Should I invest in UTI - Dual Advantage Fixed Term Series II-V (1997 Days)?

We don't give personal investment advice. UTI - Dual Advantage Fixed Term Series II-V (1997 Days) - Regular Plan - Growth Option is suitable for an investor whose:time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ yearsprimary goal is capital preservation or steady accrual, not high growthtax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 16.1%. 5-year CAGR: 5.27%.

UTI

UTI - Dual Advantage Fixed Term Series II-V (1997 Days) - Regular Plan - Growth Option

Latest NAV

₹14.0308

As of

23 Jul 2021

1,345 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	+0.02%	-0.06%	+0.08	24 / 268	Q1
1W	-0.02%	0.00%	-0.02	253 / 267	Q4
2W	+0.86%	+0.08%	+0.77	1 / 267	Q1
1M	+1.51%	+0.29%	+1.22	1 / 267	Q1
3M	+4.75%	+1.16%	+3.58	3 / 267	Q1
6M	+5.76%	+2.59%	+3.17	10 / 240	Q1
YTD	+6.37%	+2.18%	+4.19	10 / 249	Q1
1Y	+15.38%	+5.87%	+9.51	4 / 236	Q1
2Y	+9.49%	+6.77%	+2.72	7 / 236	Q1
3Y	+3.94%	+6.94%	-3.00	224 / 236	Q4
4Y	+3.87%	+6.93%	-3.06	41 / 42	Q4
5Y	+5.27%	+6.66%	-1.39	20 / 20	Q4
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+6.38%	+6.36%	+0.03	181 / 268	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
2021 YTD	+6.37%	+3.46%	+2.91	18 / 120
2020	+8.18%	+7.10%	+1.09	74 / 158
2019	-2.52%	+7.06%	-9.58	142 / 146
2018	+0.11%	+5.18%	-5.08	81 / 82
2017	+13.19%	+7.89%	+5.30	4 / 36
2016	—	—	—	—

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

+4.95%

55 windows

min -13.5% · max 22.5%

71% positive

Limited basis — fund is young, so this average may be skewed by which 1Y windows happen to be available.

3-Year rolling

+2.74%

31 windows

min -1.2% · max 7.8%

90% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

+5.65%

6 windows

min 5.3% · max 6.2%

100% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

7-Year rolling

—

Insufficient history

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

10.23%

3-year · annualised

Sharpe ratio

-0.18

vs risk-free 6.5%

Sortino ratio

-0.23

Downside-only deviation

Max drawdown

-16.08%

May 2019 → Mar 2020

% 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 Medium to Long Duration Fund

Scheme	Fund house	NAV	As of
Nippon India Fixed Maturity Plan - XLIII - Series 1 - Regular Plan - Growth Option	Nippon India	₹13.2025	3 Jun 2026
SBI Fixed Maturity Plan (FMP) - Series 1 (3668 Days) - Regular Plan - Growth	SBI	₹17.1652	3 Jun 2026
BANDHAN Fixed Term Plan Series 179 REGULAR PLAN-GROWTH (3652 days)	Bandhan	₹17.4145	3 Jun 2026
Aditya Birla Sun Life Fixed Term Plan - Series TI (1837 days) - Regular Plan - Growth Option	Aditya Birla Sun Life	₹13.4359	3 Jun 2026
Kotak FMP Series 304-Regular Plan-Growth Option	Kotak	₹12.9404	3 Jun 2026
DSP FMP Series - 264 - 60M - 17D - Regular Plan - Growth	DSP	₹13.1473	3 Jun 2026
UTI Fixed Term Income Fund Series XXXVI - I (1574 Days) - Regular Plan - Growth Option	UTI	₹12.6624	3 Jun 2026
Axis Fixed Maturity Plan - Series 129 (108 Days) - Regular Plan - Growth	Axis	₹10.1904	3 Jun 2026
TRUSTMF FIXED MATURITY PLAN -SERIES II (1196 DAYS)-REGULAR PLAN -GROWTH		₹1,287.3332	3 Jun 2026
Union Fixed Maturity Plan - Series 13 - Regular Plan - Growth Option	Union	₹12.2015	15 Apr 2026

Recent NAVs

Date	NAV
23 Jul 2021	₹14.0308
22 Jul 2021	₹14.0274
20 Jul 2021	₹14.0258
19 Jul 2021	₹14.0250
16 Jul 2021	₹14.0333
15 Jul 2021	₹14.0397
14 Jul 2021	₹14.0147
13 Jul 2021	₹13.9938
12 Jul 2021	₹13.9408
9 Jul 2021	₹13.9117

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 23 Jul 2021, the NAV of UTI - Dual Advantage Fixed Term Series II-V (1997 Days) - Regular Plan - Growth Option is ₹14.0308. It's a Medium to Long Duration Fund from UTI, run as a Regular plan Growth option. NAVs update once per business day from the AMFI feed.

UTI - Dual Advantage Fixed Term Series II-V (1997 Days) - Regular Plan - Growth Option has NAV history starting from 08 Feb 2016, a track record of about 10 years 3 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 - Dual Advantage Fixed Term Series II-V (1997 Days) - Regular Plan - Growth Option is managed by UTI. It's classified by AMFI under the 'Medium to Long Duration Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, UTI - Dual Advantage Fixed Term Series II-V (1997 Days) - Regular Plan - Growth Option has delivered a absolute return of 15.38% — +9.51 pp ahead of the Medium to Long Duration Fund category average of 5.87%. The fund ranks #4 of 236 in its category — the top (Q1) quartile.

Over the trailing 3-year window, UTI - Dual Advantage Fixed Term Series II-V (1997 Days) - Regular Plan - Growth Option has delivered a CAGR of 3.94% — -3 pp behind the Medium to Long Duration Fund category average of 6.94%. The fund ranks #224 of 236 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, UTI - Dual Advantage Fixed Term Series II-V (1997 Days) - Regular Plan - Growth Option has delivered a CAGR of 5.27% — -1.39 pp behind the Medium to Long Duration Fund category average of 6.66%. The fund ranks #20 of 20 in its category — the bottom (Q4) quartile.

₹1 lakh invested in UTI - Dual Advantage Fixed Term Series II-V (1997 Days) - Regular Plan - Growth Option exactly 5 years ago would be worth approximately ₹129,277 today — a multiplier of 1.29×, based on the 5-year CAGR of 5.27%. The category average over the same window would have grown ₹1 lakh to ₹138,047.

A ₹10,000 monthly SIP in UTI - Dual Advantage Fixed Term Series II-V (1997 Days) - Regular Plan - Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹694,320 today. That's an XIRR (money-weighted annualised return) of 5.78%.

UTI - Dual Advantage Fixed Term Series II-V (1997 Days) - Regular Plan - Growth Option doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹694,320 — XIRR 5.78%.

On a 5-year basis, UTI - Dual Advantage Fixed Term Series II-V (1997 Days) - Regular Plan - Growth Option ranks #20 out of 20 funds in the Medium to Long Duration Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 6.66%; this fund delivered 5.27%.

The worst peak-to-trough decline UTI - Dual Advantage Fixed Term Series II-V (1997 Days) - Regular Plan - Growth Option has experienced over the last 5-year window is 16.08% — its NAV fell from a high on 27 May 2019 to a low on 23 Mar 2020. 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 - Dual Advantage Fixed Term Series II-V (1997 Days) - Regular Plan - Growth Option averaged 5.65% (best 6.15%, worst 5.27%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.11 — negative risk-adjusted performance.

In calendar year 2020, UTI - Dual Advantage Fixed Term Series II-V (1997 Days) - Regular Plan - Growth Option returned 8.18% — beating the Medium to Long Duration Fund category average of 7.10% by 1.09 pp. It ranked #74 of 158 in its category that year.

UTI - Dual Advantage Fixed Term Series II-V (1997 Days) - Regular Plan - Growth Option is classified as a Debt fund. For units acquired on or after 1 April 2023, all gains are taxed at your income-tax slab rate regardless of holding period — there's no LTCG concession or indexation. For pre-April-2023 units, the old rules with indexation still apply on long-term gains.

We don't give personal investment advice. UTI - Dual Advantage Fixed Term Series II-V (1997 Days) - Regular Plan - Growth Option is suitable for an investor whose:

time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ years
primary goal is capital preservation or steady accrual, not high growth
tax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 16.1%. 5-year CAGR: 5.27%.

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