Should I invest in UTI FIIF Annual Interval Plan IV?

We don't give personal investment advice. UTI FIIF Annual Interval Plan IV - Direct Plan - IDCW 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: 6.9%. 5-year CAGR: -0.39%.

UTI

UTI FIIF Annual Interval Plan IV - Direct Plan - IDCW

Latest NAV

₹10.1008

As of

11 May 2022

2,027 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%	-6.79%	+6.80	220 / 1087	Q1
1W	+0.08%	-9.68%	+9.75	274 / 998	Q2
2W	+0.15%	-9.65%	+9.79	260 / 997	Q2
1M	+0.31%	-9.71%	+10.02	222 / 991	Q1
3M	+0.27%	-9.39%	+9.66	363 / 984	Q2
6M	+0.33%	-8.74%	+9.07	357 / 949	Q2
YTD	+0.65%	-8.86%	+9.51	348 / 949	Q2
1Y	+0.54%	-6.69%	+7.23	336 / 916	Q2
2Y	+0.06%	-2.42%	+2.49	348 / 867	Q2
3Y	+0.02%	-1.12%	+1.14	315 / 833	Q2
4Y	-0.39%	+2.93%	-3.32	115 / 140	Q4
5Y	-0.39%	+2.47%	-2.86	74 / 87	Q4
7Y	-0.05%	+2.67%	-2.71	40 / 52	Q4
10Y	—	—	—	—	—
Inception	+0.10%	+0.48%	-0.38	508 / 1085	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
2022 YTD	+0.65%	-7.69%	+8.34	121 / 273
2021	+0.15%	-4.54%	+4.69	234 / 458
2020	-0.04%	+2.15%	-2.19	459 / 625
2019	+0.17%	+3.58%	-3.41	445 / 607
2018	-0.10%	+1.75%	-1.85	260 / 314
2017	-0.20%	+2.07%	-2.27	143 / 207
2016	-0.17%	+3.56%	-3.73	130 / 167
2015	-0.12%	+2.26%	-2.37	77 / 131
2014	+0.18%	+7.09%	-6.92	39 / 58
2013	—	—	—	—

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

-0.04%

91 windows

min -5.4% · max 5.5%

43% positive

3-Year rolling

-0.10%

67 windows

min -2.3% · max 1.8%

39% positive

5-Year rolling

-0.13%

42 windows

min -0.5% · max 0.3%

5% positive

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

7-Year rolling

-0.08%

18 windows

min -0.3% · max 0.1%

11% 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

1.72%

3-year · annualised

Sharpe ratio

-3.75

vs risk-free 6.5%

Sortino ratio

-4.56

Downside-only deviation

Max drawdown

-1.63%

Sep 2019 → Mar 2020

% positive months

66.7%

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
HDFC Charity Fund for Cancer Cure - IDCW Option - Direct Plan - 50% IDCW Donation Option	HDFC	₹10.0419	3 Jun 2026
NIPPON INDIA FIXED MATURITY PLAN - XLI - SERIES 8 - DIRECT Plan - IDCW Option	Nippon India	₹17.3687	3 Jun 2026
SBI Fixed Maturity Plan (FMP) - Series 1 (3668 Days) - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹17.4021	3 Jun 2026
ICICI Prudential Bond Fund - Direct Plan - Half Yearly IDCW	ICICI Prudential	₹10.7370	3 Jun 2026
BANDHAN Fixed Term Plan Series 179 DIRECT PLAN HALF YEARLY-IDCW (3652 days)	Bandhan	₹11.3171	3 Jun 2026
Aditya Birla Sun Life Fixed Term Plan - Series TI (1837 days) - Direct Plan - Payout of IDCW option	Aditya Birla Sun Life	₹13.5041	3 Jun 2026
Franklin India Medium to Long Duration Fund - Direct - IDCW	Franklin India	₹10.4993	3 Jun 2026
Kotak Bond Fund - Direct Plan - Standard IDCW option	Kotak	₹29.3456	3 Jun 2026
DSP FMP Series - 264 - 60M - 17D - Direct - IDCW	DSP	₹13.2410	3 Jun 2026
HSBC Medium to Long Duration Fund - Direct Quarterly IDCW	HSBC	₹10.3575	3 Jun 2026

Recent NAVs

Date	NAV
11 May 2022	₹10.1008
10 May 2022	₹10.0998
9 May 2022	₹10.0987
6 May 2022	₹10.0953
5 May 2022	₹10.0942
4 May 2022	₹10.0931
2 May 2022	₹10.0911
29 Apr 2022	₹10.0879
28 Apr 2022	₹10.0868
27 Apr 2022	₹10.0858

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 11 May 2022, the NAV of UTI FIIF Annual Interval Plan IV - Direct Plan - IDCW is ₹10.1008. It's a Medium to Long Duration Fund from UTI, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

UTI FIIF Annual Interval Plan IV - Direct Plan - IDCW has NAV history starting from 10 Dec 2013, a track record of about 12 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 FIIF Annual Interval Plan IV - Direct Plan - IDCW 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 FIIF Annual Interval Plan IV - Direct Plan - IDCW has delivered a absolute return of 0.54% — +7.23 pp ahead of the Medium to Long Duration Fund category average of -6.69%. The fund ranks #336 of 916 in its category — the second (Q2) quartile.

Over the trailing 3-year window, UTI FIIF Annual Interval Plan IV - Direct Plan - IDCW has delivered a CAGR of 0.02% — +1.14 pp ahead of the Medium to Long Duration Fund category average of -1.12%. The fund ranks #315 of 833 in its category — the second (Q2) quartile.

Over the trailing 5-year window, UTI FIIF Annual Interval Plan IV - Direct Plan - IDCW has delivered a CAGR of -0.39% — -2.86 pp behind the Medium to Long Duration Fund category average of 2.47%. The fund ranks #74 of 87 in its category — the bottom (Q4) quartile.

₹1 lakh invested in UTI FIIF Annual Interval Plan IV - Direct Plan - IDCW exactly 5 years ago would be worth approximately ₹98,075 today — a multiplier of 0.98×, based on the 5-year CAGR of -0.39%. The category average over the same window would have grown ₹1 lakh to ₹112,999.

A ₹10,000 monthly SIP in UTI FIIF Annual Interval Plan IV - Direct Plan - IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹596,706 today. That's an XIRR (money-weighted annualised return) of -0.22%.

UTI FIIF Annual Interval Plan IV - Direct Plan - IDCW doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹835,959 — XIRR -0.14%.

On a 5-year basis, UTI FIIF Annual Interval Plan IV - Direct Plan - IDCW ranks #74 out of 87 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 2.47%; this fund delivered -0.39%.

The worst peak-to-trough decline UTI FIIF Annual Interval Plan IV - Direct Plan - IDCW has experienced over the last 5-year window is 6.92% — its NAV fell from a high on 26 Dec 2017 to a low on 24 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 FIIF Annual Interval Plan IV - Direct Plan - IDCW averaged -0.13% (best 0.32%, worst -0.47%). 5% of rolling windows ended positive. The 5-year Sharpe ratio is -1.72 — negative risk-adjusted performance.

In calendar year 2021, UTI FIIF Annual Interval Plan IV - Direct Plan - IDCW returned 0.15% — beating the Medium to Long Duration Fund category average of -4.54% by 4.69 pp. It ranked #234 of 458 in its category that year.

UTI FIIF Annual Interval Plan IV - Direct Plan - IDCW 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 FIIF Annual Interval Plan IV - Direct Plan - IDCW 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: 6.9%. 5-year CAGR: -0.39%.

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