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

We don't give personal investment advice. UTI Conservative Hybrid Fund - Regular 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: 8.8%. 5-year CAGR: 1.80%.

UTI

UTI Conservative Hybrid Fund - Regular Plan - Monthly IDCW

Latest NAV

₹16.9050

As of

24 Jul 2026

4,918 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	-0.01%	-0.01%	+0.00	14 / 33	Q2
1W	-0.56%	-0.45%	-0.11	29 / 33	Q4
2W	-0.68%	-0.51%	-0.18	27 / 33	Q4
1M	-0.34%	-0.32%	-0.02	21 / 33	Q3
3M	+0.50%	+0.84%	-0.34	21 / 33	Q3
6M	-1.51%	+0.30%	-1.82	23 / 33	Q3
YTD	-3.33%	-0.83%	-2.51	26 / 33	Q4
1Y	-4.37%	-1.21%	-3.15	23 / 33	Q3
2Y	-1.28%	+0.99%	-2.28	22 / 33	Q3
3Y	+1.80%	+3.62%	-1.82	18 / 33	Q3
4Y	+2.13%	+4.07%	-1.94	18 / 33	Q3
5Y	+1.80%	+3.33%	-1.53	17 / 33	Q3
7Y	+1.94%	+3.99%	-2.05	20 / 33	Q3
10Y	+1.17%	+3.05%	-1.89	20 / 33	Q3
Inception	+1.70%	+3.74%	-2.04	18 / 33	Q3

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	-3.33%	-0.83%	-2.51	26 / 33
2025	+0.42%	+1.83%	-1.41	20 / 33
2024	+5.47%	+6.68%	-1.21	20 / 33
2023	+4.59%	+6.65%	-2.06	20 / 33
2022	-2.80%	-0.18%	-2.62	22 / 33
2021	+6.22%	+6.74%	-0.53	18 / 33
2020	+3.33%	+5.49%	-2.17	23 / 33
2019	-3.52%	+2.15%	-5.67	30 / 33
2018	-2.67%	-3.43%	+0.76	16 / 33
2017	+5.30%	+4.29%	+1.02	14 / 33
2016	+1.94%	+4.98%	-3.05	23 / 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

+2.13%

236 windows

min -16.1% · max 20.3%

62% positive

3-Year rolling

+2.10%

211 windows

min -4.8% · max 7.4%

78% positive

5-Year rolling

+1.92%

187 windows

min -2.4% · max 5.7%

90% positive

7-Year rolling

+1.83%

163 windows

min 0.1% · max 4.2%

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

4.02%

3-year · annualised

Sharpe ratio

-1.15

vs risk-free 6.5%

Sortino ratio

-1.66

Downside-only deviation

Max drawdown

-7.93%

Sep 2024 → Mar 2026

% positive months

55.6%

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 Plan	HDFC	₹83.7369	24 Jul 2026
NIPPON INDIA CONSERVATIVE HYBRID FUND - SEGREGATED PORTFOLIO 2 - MONTHLY IDCW Option	Nippon India	₹0.0000	24 Jul 2026
SBI Conservative Hybrid Fund - Regular Plan - Annual Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹26.8982	24 Jul 2026
ICICI Prudential Regular Savings Fund - Plan - Monthly IDCW	ICICI Prudential	₹13.7621	24 Jul 2026
Franklin India Conservative Hybrid Fund - Growth	Franklin Templeton	₹92.1044	24 Jul 2026
Kotak Debt Hybrid - Monthly Payout of Income Distribution cum capital withdrawal option	Kotak	₹12.1922	24 Jul 2026
DSP Regular Savings Fund - Regular Plan - IDCW - Monthly	DSP BlackRock	₹10.9906	24 Jul 2026
HSBC Conservative Hybrid Fund - Regular Growth	HSBC	₹63.4001	24 Jul 2026
CANARA ROBECO CONSERVATIVE HYBRID FUND - REGULAR PLAN - GROWTH OPTION	Canara Robeco	₹98.9873	24 Jul 2026
UTI Conservative Hybrd Fund - Regular Plan - Monthly Payment Option	UTI	₹70.6727	24 Jul 2026

Recent NAVs

Date	NAV
24 Jul 2026	₹16.9050
23 Jul 2026	₹16.9062
22 Jul 2026	₹16.9423
21 Jul 2026	₹16.9921
20 Jul 2026	₹16.9821
17 Jul 2026	₹17.0001
16 Jul 2026	₹16.9797
15 Jul 2026	₹16.9799
14 Jul 2026	₹16.9624
13 Jul 2026	₹17.0311

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 24 Jul 2026, the NAV of UTI Conservative Hybrid Fund - Regular Plan - Monthly IDCW is ₹16.9050. It's a Conservative Hybrid Fund from UTI, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

UTI Conservative Hybrid Fund - Regular Plan - Monthly IDCW has NAV history starting from 03 Apr 2006, a track record of about 20 years 3 months. Long-tenured funds like this have weathered multiple market cycles — the 2008 crash, 2013 taper tantrum, 2020 COVID drawdown — which makes their returns more credible than a 3-year track record alone.

UTI Conservative Hybrid Fund - Regular 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 - Regular Plan - Monthly IDCW has delivered a absolute return of -4.37% — -3.15 pp behind the Conservative Hybrid Fund category average of -1.21%. The fund ranks #23 of 33 in its category — the third (Q3) quartile.

Over the trailing 3-year window, UTI Conservative Hybrid Fund - Regular Plan - Monthly IDCW has delivered a CAGR of 1.80% — -1.82 pp behind the Conservative Hybrid Fund category average of 3.62%. The fund ranks #18 of 33 in its category — the third (Q3) quartile.

Over the trailing 5-year window, UTI Conservative Hybrid Fund - Regular Plan - Monthly IDCW has delivered a CAGR of 1.80% — -1.53 pp behind the Conservative Hybrid Fund category average of 3.33%. The fund ranks #17 of 33 in its category — the third (Q3) quartile.

₹1 lakh invested in UTI Conservative Hybrid Fund - Regular Plan - Monthly IDCW exactly 10 years ago would be worth approximately ₹112,283 today — a multiplier of 1.12×, based on the 10-year CAGR of 1.17%. The category average over the same window would have grown ₹1 lakh to ₹135,098.

A ₹10,000 monthly SIP in UTI Conservative Hybrid Fund - Regular Plan - Monthly IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹615,539 today. That's an XIRR (money-weighted annualised return) of 1.01%.

A ₹10,000 monthly SIP for 10 years in UTI Conservative Hybrid Fund - Regular Plan - Monthly IDCW = ₹1,200,000 invested. It would currently be worth ₹1,292,113 (multiplier 1.08×). XIRR: 1.46%. 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 - Regular Plan - Monthly IDCW ranks #17 out of 33 funds in the Conservative Hybrid Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 3.33%; this fund delivered 1.80%.

The worst peak-to-trough decline UTI Conservative Hybrid Fund - Regular Plan - Monthly IDCW has experienced over the last 5-year window is 8.85% — 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 - Regular Plan - Monthly IDCW averaged 1.92% (best 5.74%, worst -2.38%). 90% of rolling windows ended positive. The 5-year Sharpe ratio is -1.07 — negative risk-adjusted performance.

In calendar year 2025, UTI Conservative Hybrid Fund - Regular Plan - Monthly IDCW returned 0.42% — lagging the Conservative Hybrid Fund category average of 1.83% by 1.41 pp. It ranked #20 of 33 in its category that year.

UTI Conservative Hybrid Fund - Regular 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 - Regular 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: 8.8%. 5-year CAGR: 1.80%.

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