Should I invest in UTI Conservative Hybrid Fund - Monthly IDCW?

We don't give personal investment advice. UTI Conservative Hybrid Fund - Direct Plan - Monthly IDCW 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: 8.2%. 5-year CAGR: 2.89%.

UTI

UTI Conservative Hybrid Fund - Direct Plan - Monthly IDCW

Latest NAV

₹18.8969

As of

3 Jun 2026

3,235 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	-0.27%	+28.60%	-28.87	42 / 44	Q4
1W	-0.66%	+25.50%	-26.16	39 / 45	Q4
2W	-0.24%	+25.90%	-26.14	36 / 45	Q4
1M	-1.19%	+25.25%	-26.43	41 / 44	Q4
3M	-2.84%	+27.70%	-30.53	36 / 43	Q4
6M	-4.12%	+20.63%	-24.75	29 / 41	Q3
YTD	-4.38%	+16.85%	-21.23	36 / 42	Q4
1Y	-4.93%	+22.20%	-27.13	31 / 41	Q4
2Y	+0.12%	+6.89%	-6.76	21 / 41	Q3
3Y	+2.96%	+2.36%	+0.60	11 / 38	Q2
4Y	+3.21%	+2.88%	+0.34	12 / 38	Q2
5Y	+2.89%	+2.44%	+0.45	11 / 36	Q2
7Y	+2.59%	+2.63%	-0.04	14 / 34	Q2
10Y	+2.33%	+2.19%	+0.14	10 / 32	Q2
Inception	+2.82%	+18.00%	-15.18	16 / 40	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	-4.38%	-2.43%	-1.96	30 / 35
2025	+1.64%	+0.75%	+0.90	14 / 37
2024	+6.73%	+4.66%	+2.07	12 / 37
2023	+5.78%	+5.35%	+0.43	14 / 37
2022	-1.76%	+22.58%	-24.34	21 / 38
2021	+7.30%	+1.59%	+5.71	12 / 38
2020	+4.40%	+4.76%	-0.36	21 / 35
2019	-2.56%	+0.47%	-3.03	26 / 35
2018	-1.76%	-3.59%	+1.82	10 / 35
2017	+6.29%	+4.34%	+1.95	10 / 35
2016	+2.84%	+3.67%	-0.83	19 / 33

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

+3.62%

152 windows

min -15.4% · max 18.2%

71% positive

3-Year rolling

+3.10%

127 windows

min -4.6% · max 8.0%

87% positive

5-Year rolling

+2.73%

103 windows

min -1.9% · max 6.8%

94% positive

7-Year rolling

+2.40%

79 windows

min 1.0% · max 3.4%

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

4.62%

3-year · annualised

Sharpe ratio

-0.75

vs risk-free 6.5%

Sortino ratio

-1.09

Downside-only deviation

Max drawdown

-6.24%

Sep 2024 → Mar 2026

% positive months

63.9%

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 - IDCW Monthly - Direct Plan	HDFC	₹14.9578	3 Jun 2026
NIPPON INDIA CONSERVATIVE HYBRID FUND - SEGREGATED PORTFOLIO 2 - DIRECT Plan - MONTHLY IDCW Option	Nippon India	₹0.0000	3 Jun 2026
SBI Conservative Hybrid Fund - Direct Plan - Quarterly Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹25.1501	3 Jun 2026
ICICI Prudential Regular Savings Fund - Direct Plan - Half Yearly IDCW	ICICI Prudential	₹16.5400	3 Jun 2026
BANDHAN Conservative Hybrid Fund-Direct Plan-IDCW	Bandhan	₹12.9865	3 Jun 2026
Aditya Birla Sun Life Regular Savings Fund - DIRECT - MONTHLY IDCW	Aditya Birla Sun Life	₹26.6729	3 Jun 2026
Franklin India Conservative Hybrid Fund - Plan A - Direct - Monthly - IDCW	Franklin India	₹14.1894	3 Jun 2026
Kotak Debt Hybrid - Monthly Payout of Income Distribution cum capital withdrawal option - Direct	Kotak	₹13.2775	3 Jun 2026
Parag Parikh Conservative Hybrid Fund - Direct Plan - Monthly IDCW	Parag Parikh	₹10.8153	3 Jun 2026
DSP Regular Savings Fund - Direct Plan - IDCW - Monthly	DSP	₹13.9942	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹18.8969
2 Jun 2026	₹18.9162
1 Jun 2026	₹18.9665
29 May 2026	₹18.9967
27 May 2026	₹19.0429
26 May 2026	₹19.0412
25 May 2026	₹19.0470
22 May 2026	₹18.9567
21 May 2026	₹18.9357
20 May 2026	₹18.9518

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 03 Jun 2026, the NAV of UTI Conservative Hybrid Fund - Direct Plan - Monthly IDCW is ₹18.8969. It's a Conservative Hybrid Fund from UTI, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

UTI Conservative Hybrid Fund - Direct Plan - Monthly IDCW has NAV history starting from 02 Jan 2013, a track record of about 13 years 5 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 - Monthly IDCW 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 - Monthly IDCW has delivered a absolute return of -4.93% — -27.13 pp behind the Conservative Hybrid Fund category average of 22.20%. The fund ranks #31 of 41 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, UTI Conservative Hybrid Fund - Direct Plan - Monthly IDCW has delivered a CAGR of 2.96% — +0.6 pp ahead of the Conservative Hybrid Fund category average of 2.36%. The fund ranks #11 of 38 in its category — the second (Q2) quartile.

Over the trailing 5-year window, UTI Conservative Hybrid Fund - Direct Plan - Monthly IDCW has delivered a CAGR of 2.89% — +0.45 pp ahead of the Conservative Hybrid Fund category average of 2.44%. The fund ranks #11 of 36 in its category — the second (Q2) quartile.

₹1 lakh invested in UTI Conservative Hybrid Fund - Direct Plan - Monthly IDCW exactly 10 years ago would be worth approximately ₹125,858 today — a multiplier of 1.26×, based on the 10-year CAGR of 2.33%. The category average over the same window would have grown ₹1 lakh to ₹124,160.

A ₹10,000 monthly SIP in UTI Conservative Hybrid Fund - Direct Plan - Monthly IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹625,847 today. That's an XIRR (money-weighted annualised return) of 1.66%.

A ₹10,000 monthly SIP for 10 years in UTI Conservative Hybrid Fund - Direct Plan - Monthly IDCW = ₹1,200,000 invested. It would currently be worth ₹1,349,619 (multiplier 1.12×). XIRR: 2.31%. 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 - Monthly IDCW ranks #11 out of 36 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 2.44%; this fund delivered 2.89%.

The worst peak-to-trough decline UTI Conservative Hybrid Fund - Direct Plan - Monthly IDCW has experienced over the last 5-year window is 8.23% — its NAV fell from a high on 14 Oct 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 - Monthly IDCW averaged 2.73% (best 6.85%, worst -1.92%). 94% of rolling windows ended positive. The 5-year Sharpe ratio is -0.76 — negative risk-adjusted performance.

In calendar year 2025, UTI Conservative Hybrid Fund - Direct Plan - Monthly IDCW returned 1.64% — beating the Conservative Hybrid Fund category average of 0.75% by 0.90 pp. It ranked #14 of 37 in its category that year.

UTI Conservative Hybrid Fund - Direct Plan - Monthly IDCW 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 - Monthly IDCW 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: 8.2%. 5-year CAGR: 2.89%.

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