Should I invest in UTI Energy Fund-Income Option?

We don't give personal investment advice. UTI Energy Fund-Income Option is suitable for an investor whose:understands what asset class this scheme actually invests in (check the factsheet)matches that asset class's volatility profile to their goal horizonCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 33.3%. 5-year CAGR: 0.23%.

UTI

UTI Energy Fund-Income Option

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	+1.28%	+0.06%	+1.22	37 / 299	Q1
1W	+6.39%	-3.61%	+10.00	7 / 303	Q1
2W	+1.89%	-4.52%	+6.41	70 / 303	Q1
1M	-4.16%	-5.64%	+1.48	217 / 302	Q3
3M	-11.13%	-4.27%	-6.86	243 / 302	Q4
6M	-6.41%	+1.48%	-7.89	218 / 307	Q3
YTD	-12.59%	-0.18%	-12.41	237 / 309	Q4
1Y	-17.16%	+7.10%	-24.26	250 / 307	Q4
2Y	+9.92%	+2.20%	+7.72	124 / 303	Q2
3Y	+5.76%	+0.76%	+5.00	128 / 264	Q2
4Y	+2.38%	+0.58%	+1.80	142 / 235	Q3
5Y	+0.23%	+0.02%	+0.21	149 / 208	Q3
7Y	+8.66%	+3.12%	+5.55	49 / 130	Q2
10Y	-5.14%	+7.20%	-12.34	67 / 68	Q4
Inception	-5.18%	+0.51%	-5.70	267 / 310	Q4

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
2016 YTD	-12.59%	+1.07%	-13.66	86 / 88
2015	-1.96%	-3.94%	+1.98	53 / 99
2014	+34.99%	+34.59%	+0.40	67 / 133
2013	-6.03%	+0.03%	-6.05	126 / 154
2012	+14.12%	+23.57%	-9.45	168 / 190
2011	-28.51%	-23.68%	-4.83	189 / 241
2010	+3.23%	+11.69%	-8.46	201 / 256
2009	+71.76%	+65.86%	+5.90	104 / 238
2008	-57.96%	-52.86%	-5.10	114 / 198
2007	-5.67%	+42.91%	-48.58	131 / 137
2006	—	—	—	—

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

+0.91%

109 windows

min -58.5% · max 86.9%

38% positive

3-Year rolling

-2.02%

85 windows

min -27.7% · max 19.3%

41% positive

5-Year rolling

-2.64%

61 windows

min -14.1% · max 8.5%

44% positive

7-Year rolling

-2.14%

36 windows

min -10.7% · max 10.1%

36% 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

24.65%

3-year · annualised

Sharpe ratio

0.08

vs risk-free 6.5%

Sortino ratio

0.15

Downside-only deviation

Max drawdown

-25.50%

Jun 2014 → Feb 2016

% positive months

50.0%

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.

Recent NAVs

Date	NAV
3 Mar 2016	₹11.8431
2 Mar 2016	₹11.6935
1 Mar 2016	₹11.5124
29 Feb 2016	₹11.1305
26 Feb 2016	₹11.2310
25 Feb 2016	₹11.1321
24 Feb 2016	₹11.3098
23 Feb 2016	₹11.3995
22 Feb 2016	₹11.6269
19 Feb 2016	₹11.5892

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.

UTI Energy Fund-Income Option is a Growth from UTI (Unknown plan, Growth option). Latest NAV isn't currently available in our feed — the AMC publishes it once per business day after market close.

UTI Energy Fund-Income Option has NAV history starting from 03 Apr 2006, a track record of about 20 years 2 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 Energy Fund-Income Option is managed by UTI. It's classified by AMFI under the 'Growth' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, UTI Energy Fund-Income Option has delivered a absolute return of -17.16% — -24.26 pp behind the Growth category average of 7.10%. The fund ranks #250 of 307 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, UTI Energy Fund-Income Option has delivered a CAGR of 5.76% — +5 pp ahead of the Growth category average of 0.76%. The fund ranks #128 of 264 in its category — the second (Q2) quartile.

Over the trailing 5-year window, UTI Energy Fund-Income Option has delivered a CAGR of 0.23% — +0.21 pp ahead of the Growth category average of 0.02%. The fund ranks #149 of 208 in its category — the third (Q3) quartile.

₹1 lakh invested in UTI Energy Fund-Income Option exactly 10 years ago would be worth approximately ₹58,980 today — a multiplier of 0.59×, based on the 10-year CAGR of -5.14%. The category average over the same window would have grown ₹1 lakh to ₹200,432.

A ₹10,000 monthly SIP in UTI Energy Fund-Income Option over the last 5 years — total invested ₹600,000 — would be worth ₹626,760 today. That's an XIRR (money-weighted annualised return) of 1.72%.

UTI Energy Fund-Income Option doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹876,730 — XIRR 1.21%.

On a 5-year basis, UTI Energy Fund-Income Option ranks #149 out of 208 funds in the Growth category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 0.02%; this fund delivered 0.23%.

The worst peak-to-trough decline UTI Energy Fund-Income Option has experienced over the last 5-year window is 33.26% — its NAV fell from a high on 06 Apr 2011 to a low on 06 Aug 2013. 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 Energy Fund-Income Option averaged -2.64% (best 8.54%, worst -14.10%). 44% of rolling windows ended positive. The 5-year Sharpe ratio is -0.18 — negative risk-adjusted performance.

In calendar year 2015, UTI Energy Fund-Income Option returned -1.96% — beating the Growth category average of -3.94% by 1.98 pp. It ranked #53 of 99 in its category that year.

UTI Energy Fund-Income Option doesn't fit cleanly into the standard Equity/Debt buckets in our taxonomy. Tax treatment depends on actual asset allocation as disclosed by the AMC — check the factsheet or AMFI's classification table.

We don't give personal investment advice. UTI Energy Fund-Income Option is suitable for an investor whose:

understands what asset class this scheme actually invests in (check the factsheet)
matches that asset class's volatility profile to their goal horizon

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 33.3%. 5-year CAGR: 0.23%.

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