Should I invest in UTI FIIF Sr-2 Quarterly Interval Plan VII?

We don't give personal investment advice. UTI FIIF Sr-2 Quarterly Interval Plan VII - 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: 1.7%. 5-year CAGR: -0.02%.

UTI

UTI FIIF Sr-2 Quarterly Interval Plan VII - Direct Plan - IDCW

Latest NAV

₹10.0613

As of

11 May 2022

2,249 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%	-6.86%	+6.87	217 / 1087	Q1
1W	+0.06%	-9.76%	+9.83	288 / 998	Q2
2W	+0.12%	-9.73%	+9.86	320 / 997	Q2
1M	+0.25%	-9.76%	+10.00	371 / 991	Q2
3M	+0.03%	-9.36%	+9.39	404 / 984	Q2
6M	+0.09%	-8.72%	+8.80	379 / 949	Q2
YTD	+0.34%	-8.84%	+9.17	369 / 949	Q2
1Y	+0.26%	-6.67%	+6.93	346 / 916	Q2
2Y	+0.20%	-2.45%	+2.65	346 / 867	Q2
3Y	0.00%	-1.11%	+1.11	329 / 835	Q2
4Y	-0.01%	+2.90%	-2.91	103 / 143	Q3
5Y	-0.02%	+2.71%	-2.73	66 / 91	Q3
7Y	-0.04%	+2.61%	-2.65	40 / 54	Q3
10Y	—	—	—	—	—
Inception	+0.06%	+0.47%	-0.41	512 / 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	+0.34%	-7.69%	+8.03	127 / 273
2021	+0.16%	-4.54%	+4.71	232 / 458
2020	-1.03%	+2.15%	-3.17	513 / 625
2019	-0.37%	+3.58%	-3.95	499 / 607
2018	-0.06%	+1.75%	-1.81	257 / 314
2017	-0.16%	+2.07%	-2.23	142 / 207
2016	-0.23%	+3.56%	-3.79	133 / 167
2015	-0.14%	+2.26%	-2.40	79 / 131
2014	-0.19%	+7.09%	-7.29	49 / 58
2013	+2.17%	+0.43%	+1.74	1 / 10

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

-0.11%

102 windows

min -2.1% · max 0.3%

41% positive

3-Year rolling

-0.11%

78 windows

min -0.7% · max 0.1%

17% positive

5-Year rolling

-0.09%

53 windows

min -0.4% · max 0.2%

13% positive

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

7-Year rolling

-0.09%

29 windows

min -0.3% · max 0.0%

14% 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

1.39%

3-year · annualised

Sharpe ratio

-4.66

vs risk-free 6.5%

Sortino ratio

-5.67

Downside-only deviation

Max drawdown

-1.38%

Jul 2019 → Jul 2019

% 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	₹10.1159	17 Jul 2026
NIPPON INDIA FIXED MATURITY PLAN - XLI - SERIES 8 - DIRECT Plan - IDCW Option	Nippon India	₹17.7273	17 Jul 2026
SBI Fixed Maturity Plan (FMP) - Series 1 (3668 Days) - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹17.7206	17 Jul 2026
ICICI Prudential Bond Fund - Direct Plan - Half Yearly IDCW	ICICI Prudential	₹11.0090	17 Jul 2026
BANDHAN Fixed Term Plan Series 179 DIRECT PLAN HALF YEARLY-IDCW (3652 days)	Bandhan	₹11.5431	17 Jul 2026
Aditya Birla Sun Life Fixed Term Plan - Series TJ (1838 days) - Direct Plan - Payout of IDCW Option	Aditya Birla Sun Life	₹13.6183	17 Jul 2026
Franklin India Medium to Long Duration Fund - Direct - IDCW	Franklin India	₹10.6701	17 Jul 2026
Kotak Bond Fund - Direct Plan - Standard IDCW option	Kotak	₹30.1720	17 Jul 2026
DSP FMP Series - 264 - 60M - 17D - Direct - IDCW	DSP	₹13.3392	17 Jul 2026
HSBC Medium to Long Duration Fund - Direct Quarterly IDCW	HSBC	₹10.4928	17 Jul 2026

Recent NAVs

Date	NAV
11 May 2022	₹10.0613
10 May 2022	₹10.0604
9 May 2022	₹10.0595
6 May 2022	₹10.0568
5 May 2022	₹10.0558
4 May 2022	₹10.0549
2 May 2022	₹10.0533
29 Apr 2022	₹10.0507
28 Apr 2022	₹10.0498
27 Apr 2022	₹10.0490

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 Sr-2 Quarterly Interval Plan VII - Direct Plan - IDCW is ₹10.0613. 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 Sr-2 Quarterly Interval Plan VII - Direct Plan - IDCW has NAV history starting from 09 Jan 2013, a track record of about 13 years 6 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 Sr-2 Quarterly Interval Plan VII - 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 Sr-2 Quarterly Interval Plan VII - Direct Plan - IDCW has delivered a absolute return of 0.26% — +6.93 pp ahead of the Medium to Long Duration Fund category average of -6.67%. The fund ranks #346 of 916 in its category — the second (Q2) quartile.

Over the trailing 3-year window, UTI FIIF Sr-2 Quarterly Interval Plan VII - Direct Plan - IDCW has delivered a CAGR of 0.00% — +1.11 pp ahead of the Medium to Long Duration Fund category average of -1.11%. The fund ranks #329 of 835 in its category — the second (Q2) quartile.

Over the trailing 5-year window, UTI FIIF Sr-2 Quarterly Interval Plan VII - Direct Plan - IDCW has delivered a CAGR of -0.02% — -2.73 pp behind the Medium to Long Duration Fund category average of 2.71%. The fund ranks #66 of 91 in its category — the third (Q3) quartile.

₹1 lakh invested in UTI FIIF Sr-2 Quarterly Interval Plan VII - Direct Plan - IDCW exactly 5 years ago would be worth approximately ₹99,876 today — a multiplier of 1.00×, based on the 5-year CAGR of -0.02%. The category average over the same window would have grown ₹1 lakh to ₹114,284.

A ₹10,000 monthly SIP in UTI FIIF Sr-2 Quarterly Interval Plan VII - Direct Plan - IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹600,444 today. That's an XIRR (money-weighted annualised return) of 0.03%.

UTI FIIF Sr-2 Quarterly Interval Plan VII - 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 ₹839,916 — XIRR -0.00%.

On a 5-year basis, UTI FIIF Sr-2 Quarterly Interval Plan VII - Direct Plan - IDCW ranks #66 out of 91 funds in the Medium to Long Duration Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 2.71%; this fund delivered -0.02%.

The worst peak-to-trough decline UTI FIIF Sr-2 Quarterly Interval Plan VII - Direct Plan - IDCW has experienced over the last 5-year window is 1.72% — its NAV fell from a high on 03 Jul 2018 to a low on 04 Jul 2018. 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 Sr-2 Quarterly Interval Plan VII - Direct Plan - IDCW averaged -0.09% (best 0.22%, worst -0.37%). 13% of rolling windows ended positive. The 5-year Sharpe ratio is -3.30 — negative risk-adjusted performance.

In calendar year 2021, UTI FIIF Sr-2 Quarterly Interval Plan VII - Direct Plan - IDCW returned 0.16% — beating the Medium to Long Duration Fund category average of -4.54% by 4.71 pp. It ranked #232 of 458 in its category that year.

UTI FIIF Sr-2 Quarterly Interval Plan VII - 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 Sr-2 Quarterly Interval Plan VII - 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: 1.7%. 5-year CAGR: -0.02%.

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