Should I invest in UTI Conservative Hybrid Fund - Monthly Payment Option?

We don't give personal investment advice. UTI Conservative Hybrid Fund - Direct Plan - Monthly Payment 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: 8.47%.

UTI

UTI Conservative Hybrid Fund - Direct Plan - Monthly Payment Option

Latest NAV

₹73.9212

As of

3 Jun 2026

2,528 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	+0.16%	+28.60%	-28.44	10 / 44	Q1
1W	-0.24%	+25.50%	-25.74	23 / 45	Q3
2W	+0.18%	+25.90%	-25.72	18 / 45	Q2
1M	-0.35%	+25.25%	-25.60	25 / 44	Q3
3M	-1.19%	+27.70%	-28.89	21 / 43	Q2
6M	-1.70%	+20.63%	-22.33	15 / 41	Q2
YTD	-1.97%	+16.85%	-18.81	19 / 42	Q2
1Y	+0.27%	+22.20%	-21.93	10 / 41	Q1
2Y	+5.41%	+6.89%	-1.48	8 / 41	Q1
3Y	+8.31%	+2.36%	+5.94	4 / 38	Q1
4Y	+8.73%	+2.88%	+5.85	4 / 38	Q1
5Y	+8.47%	+2.44%	+6.03	4 / 36	Q1
7Y	+8.45%	+2.63%	+5.82	3 / 34	Q1
10Y	+8.32%	+2.19%	+6.13	1 / 32	Q1
Inception	+8.45%	+18.00%	-9.55	7 / 40	Q1

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	-1.97%	-2.43%	+0.46	14 / 35
2025	+6.75%	+0.75%	+6.00	3 / 37
2024	+12.29%	+4.66%	+7.63	1 / 37
2023	+11.80%	+5.35%	+6.45	4 / 37
2022	+3.91%	+22.58%	-18.67	7 / 38
2021	+13.64%	+1.59%	+12.05	4 / 38
2020	+10.78%	+4.76%	+6.02	4 / 35
2019	+3.55%	+0.47%	+3.08	7 / 35
2018	+4.25%	-3.59%	+7.84	2 / 35
2017	+12.86%	+4.34%	+8.52	3 / 35
2016	+9.55%	+3.67%	+5.88	3 / 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

+8.94%

116 windows

min -9.9% · max 25.0%

95% positive

3-Year rolling

+8.63%

92 windows

min 1.4% · max 13.6%

100% positive

5-Year rolling

+9.01%

67 windows

min 6.8% · max 12.9%

100% positive

7-Year rolling

+8.57%

43 windows

min 7.9% · max 9.2%

100% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

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

4.52%

3-year · annualised

Sharpe ratio

0.36

vs risk-free 6.5%

Sortino ratio

0.63

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 - 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	₹73.9212
2 Jun 2026	₹73.9967
1 Jun 2026	₹73.8809
29 May 2026	₹73.9985
27 May 2026	₹74.1788
26 May 2026	₹74.1719
25 May 2026	₹74.1945
22 May 2026	₹73.8428
21 May 2026	₹73.7612
20 May 2026	₹73.8238

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 Payment Option is ₹73.9212. 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 Payment Option has NAV history starting from 15 Dec 2015, a track record of about 10 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 Payment 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 - Monthly Payment Option has delivered a absolute return of 0.27% — -21.93 pp behind the Conservative Hybrid Fund category average of 22.20%. The fund ranks #10 of 41 in its category — the top (Q1) quartile.

Over the trailing 3-year window, UTI Conservative Hybrid Fund - Direct Plan - Monthly Payment Option has delivered a CAGR of 8.31% — +5.94 pp ahead of the Conservative Hybrid Fund category average of 2.36%. The fund ranks #4 of 38 in its category — the top (Q1) quartile.

Over the trailing 5-year window, UTI Conservative Hybrid Fund - Direct Plan - Monthly Payment Option has delivered a CAGR of 8.47% — +6.03 pp ahead of the Conservative Hybrid Fund category average of 2.44%. The fund ranks #4 of 36 in its category — the top (Q1) quartile.

₹1 lakh invested in UTI Conservative Hybrid Fund - Direct Plan - Monthly Payment Option exactly 10 years ago would be worth approximately ₹222,379 today — a multiplier of 2.22×, based on the 10-year CAGR of 8.32%. 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 Payment Option over the last 5 years — total invested ₹600,000 — would be worth ₹719,751 today. That's an XIRR (money-weighted annualised return) of 7.21%.

A ₹10,000 monthly SIP for 10 years in UTI Conservative Hybrid Fund - Direct Plan - Monthly Payment Option = ₹1,200,000 invested. It would currently be worth ₹1,825,309 (multiplier 1.52×). XIRR: 8.13%. 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 Payment Option ranks #4 out of 36 funds in the Conservative Hybrid Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 2.44%; this fund delivered 8.47%.

The worst peak-to-trough decline UTI Conservative Hybrid Fund - Direct Plan - Monthly Payment 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 - Monthly Payment Option averaged 9.01% (best 12.95%, worst 6.79%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.39 — weak risk-adjusted performance.

In calendar year 2025, UTI Conservative Hybrid Fund - Direct Plan - Monthly Payment Option returned 6.75% — beating the Conservative Hybrid Fund category average of 0.75% by 6.00 pp. It ranked #3 of 37 in its category that year.

UTI Conservative Hybrid Fund - Direct Plan - Monthly Payment 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 - Monthly Payment 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: 8.47%.

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 - Monthly Payment 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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