Should I invest in UTI Conservative Hybrid Fund?

We don't give personal investment advice. UTI Conservative Hybrid Fund - Direct Plan - Growth Option is suitable for an investor whose:horizon is 3-5 years — too short for pure equity, too long for pure debtwants a single fund that automatically rebalances between equity and debtis comfortable trading some upside for lower volatility vs a pure equity fundCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 4.9%. 5-year CAGR: 8.74%.

UTI

UTI Conservative Hybrid Fund - Direct Plan - Growth Option

Latest NAV

₹77.3310

As of

17 Jul 2026

3,266 NAV records on file

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	+0.12%	+0.11%	+0.01	9 / 17	Q3
1W	-0.12%	+0.01%	-0.12	16 / 17	Q4
2W	+0.05%	+0.07%	-0.02	9 / 17	Q3
1M	+1.08%	+0.99%	+0.09	7 / 17	Q2
3M	+2.15%	+1.92%	+0.23	5 / 17	Q2
6M	+1.50%	+2.27%	-0.77	13 / 17	Q4
YTD	+0.78%	+1.77%	-0.99	14 / 17	Q4
1Y	+2.26%	+3.80%	-1.54	15 / 17	Q4
2Y	+5.16%	+5.86%	-0.69	13 / 17	Q4
3Y	+8.63%	+8.60%	+0.04	10 / 17	Q3
4Y	+9.20%	+9.12%	+0.08	11 / 17	Q3
5Y	+8.74%	+8.25%	+0.49	6 / 16	Q2
7Y	+8.96%	+8.75%	+0.21	9 / 15	Q3
10Y	+8.35%	+8.24%	+0.11	8 / 15	Q3
Inception	+9.31%	+9.10%	+0.21	8 / 16	Q2

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2026 YTD	+0.78%	+1.77%	-0.99	14 / 17
2025	+6.75%	+6.91%	-0.16	10 / 17
2024	+12.29%	+11.24%	+1.05	4 / 17
2023	+11.80%	+11.79%	+0.01	10 / 17
2022	+3.91%	+4.39%	-0.48	10 / 16
2021	+13.64%	+11.56%	+2.09	6 / 15
2020	+10.78%	+10.27%	+0.51	8 / 15
2019	+3.55%	+7.64%	-4.09	13 / 15
2018	+4.25%	+2.08%	+2.17	5 / 15
2017	+12.86%	+10.89%	+1.97	4 / 15
2016	+9.55%	+10.70%	-1.15	12 / 15

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+9.95%

153 windows

min -9.5% · max 25.9%

97% positive

3-Year rolling

+9.48%

129 windows

min 1.6% · max 15.6%

100% positive

5-Year rolling

+9.10%

105 windows

min 4.4% · max 13.9%

100% positive

7-Year rolling

+8.73%

80 windows

min 7.5% · max 10.3%

100% positive

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

4.17%

3-year · annualised

Sharpe ratio

0.46

vs risk-free 6.5%

Sortino ratio

1.03

Downside-only deviation

Max drawdown

-4.47%

Jan 2026 → Mar 2026

% positive months

72.2%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Peers in Conservative Hybrid Fund

Scheme	Fund house	NAV	As of
HDFC Hybrid Debt Fund - Growth Option - Direct Plan	HDFC	₹90.0707	17 Jul 2026
Nippon India Conservative Hybrid Fund - Direct Plan Growth Plan - Growth Option	Nippon India	₹68.7236	17 Jul 2026
SBI Conservative Hybrid Fund - Direct Plan - Growth	SBI	₹84.0111	17 Jul 2026
ICICI Prudential Regular Savings Fund - Direct Plan - Growth	ICICI Prudential	₹87.8731	17 Jul 2026
BANDHAN Conservative Hybrid Fund-Direct Plan-Growth	Bandhan	₹37.1622	17 Jul 2026
Aditya Birla Sun Life Regular Savings Fund - Growth / Payment - Direct Plan	Aditya Birla Sun Life	₹79.1779	17 Jul 2026
Franklin India Conservative Hybrid Fund - Direct - GROWTH	Franklin India	₹102.3696	17 Jul 2026
Kotak Debt Hybrid - Growth - Direct	Kotak	₹69.9432	17 Jul 2026
Parag Parikh Conservative Hybrid Fund - Direct Plan - Growth	Parag Parikh	₹16.1304	17 Jul 2026
DSP Regular Savings Fund - Direct Plan - Growth	DSP	₹69.2221	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹77.3310
16 Jul 2026	₹77.2369
15 Jul 2026	₹77.2369
14 Jul 2026	₹77.1561
13 Jul 2026	₹77.4675
10 Jul 2026	₹77.4202
9 Jul 2026	₹77.1345
8 Jul 2026	₹76.9479
7 Jul 2026	₹77.4566
6 Jul 2026	₹77.4496

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

As of 17 Jul 2026, the NAV of UTI Conservative Hybrid Fund - Direct Plan - Growth Option is ₹77.3310. It's a Conservative Hybrid Fund from UTI, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

UTI Conservative Hybrid Fund - Direct Plan - Growth Option has NAV history starting from 02 Jan 2013, a track record of about 13 years 6 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

UTI Conservative Hybrid Fund - Direct Plan - Growth Option is managed by UTI. It's classified by AMFI under the 'Conservative Hybrid Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, UTI Conservative Hybrid Fund - Direct Plan - Growth Option has delivered a absolute return of 2.26% — -1.54 pp behind the Conservative Hybrid Fund category average of 3.80%. The fund ranks #15 of 17 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, UTI Conservative Hybrid Fund - Direct Plan - Growth Option has delivered a CAGR of 8.63% — +0.04 pp ahead of the Conservative Hybrid Fund category average of 8.60%. The fund ranks #10 of 17 in its category — the third (Q3) quartile.

Over the trailing 5-year window, UTI Conservative Hybrid Fund - Direct Plan - Growth Option has delivered a CAGR of 8.74% — +0.49 pp ahead of the Conservative Hybrid Fund category average of 8.25%. The fund ranks #6 of 16 in its category — the second (Q2) quartile.

₹1 lakh invested in UTI Conservative Hybrid Fund - Direct Plan - Growth Option exactly 10 years ago would be worth approximately ₹222,959 today — a multiplier of 2.23×, based on the 10-year CAGR of 8.35%. The category average over the same window would have grown ₹1 lakh to ₹220,638.

A ₹10,000 monthly SIP in UTI Conservative Hybrid Fund - Direct Plan - Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹732,181 today. That's an XIRR (money-weighted annualised return) of 7.89%.

A ₹10,000 monthly SIP for 10 years in UTI Conservative Hybrid Fund - Direct Plan - Growth Option = ₹1,200,000 invested. It would currently be worth ₹1,859,779 (multiplier 1.55×). XIRR: 8.48%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, UTI Conservative Hybrid Fund - Direct Plan - Growth Option ranks #6 out of 16 funds in the Conservative Hybrid Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 8.25%; this fund delivered 8.74%.

The worst peak-to-trough decline UTI Conservative Hybrid Fund - Direct Plan - Growth Option has experienced over the last 5-year window is 4.87% — its NAV fell from a high on 16 Nov 2021 to a low on 17 Jun 2022. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, UTI Conservative Hybrid Fund - Direct Plan - Growth Option averaged 9.10% (best 13.86%, worst 4.43%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.42 — weak risk-adjusted performance.

In calendar year 2025, UTI Conservative Hybrid Fund - Direct Plan - Growth Option returned 6.75% — lagging the Conservative Hybrid Fund category average of 6.91% by 0.16 pp. It ranked #10 of 17 in its category that year.

UTI Conservative Hybrid Fund - Direct Plan - Growth Option is a Hybrid scheme. Tax treatment follows its actual equity allocation as disclosed by the AMC: at least 65% equity behaves like an equity fund (12.5% LTCG over 12 months, 20% STCG); 35-65% equity often gets an equity-style treatment with a 24-month threshold; under 35% equity is taxed at slab rate like a debt fund. Check the AMC's latest factsheet for the current classification.

We don't give personal investment advice. UTI Conservative Hybrid Fund - Direct Plan - Growth Option is suitable for an investor whose:

horizon is 3-5 years — too short for pure equity, too long for pure debt
wants a single fund that automatically rebalances between equity and debt
is comfortable trading some upside for lower volatility vs a pure equity fund

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 4.9%. 5-year CAGR: 8.74%.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.

UTI Conservative Hybrid Fund - Direct Plan - Growth Option

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Conservative Hybrid Fund

Recent NAVs

Frequently asked questions

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