Should I invest in UTI Fixed Income Interval Fund ( Half Yearly Planâ€“II)?

We don't give personal investment advice. UTI Fixed Income Interval Fund ( Half Yearly Planâ€“II)- Dividend 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: 3.8%. 5-year CAGR: -0.44%.

UTI

UTI Fixed Income Interval Fund ( Half Yearly Planâ€“II)- Dividend Option

Latest NAV

₹10.0636

As of

11 May 2022

3,474 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%	-8.05%	+8.06	201 / 904	Q1
1W	+0.07%	-11.71%	+11.78	248 / 779	Q2
2W	+0.13%	-11.75%	+11.88	251 / 776	Q2
1M	+0.26%	-11.75%	+12.01	276 / 772	Q2
3M	+0.03%	-11.29%	+11.32	363 / 763	Q2
6M	+0.09%	-10.39%	+10.48	362 / 749	Q2
YTD	+0.35%	-10.45%	+10.79	355 / 747	Q2
1Y	+0.28%	-8.25%	+8.52	347 / 728	Q2
2Y	+0.21%	-5.23%	+5.44	321 / 660	Q2
3Y	-0.07%	-3.98%	+3.92	353 / 644	Q3
4Y	-0.43%	+3.39%	-3.82	118 / 134	Q4
5Y	-0.44%	+3.38%	-3.82	86 / 92	Q4
7Y	-0.39%	+3.38%	-3.76	72 / 76	Q4
10Y	-0.07%	+3.82%	-3.89	63 / 66	Q4
Inception	+0.04%	-1.09%	+1.13	548 / 904	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
2022 YTD	+0.35%	-8.21%	+8.56	140 / 224
2021	+0.18%	-6.85%	+7.03	242 / 355
2020	-0.07%	+3.44%	-3.51	369 / 433
2019	-0.05%	+4.28%	-4.33	371 / 449
2018	-2.84%	+0.48%	-3.33	166 / 205
2017	+2.89%	+1.61%	+1.28	127 / 223
2016	-0.24%	+3.44%	-3.68	179 / 223
2015	-0.04%	+2.41%	-2.45	125 / 205
2014	-0.20%	+7.92%	-8.12	90 / 107
2013	+0.41%	+4.19%	-3.78	39 / 50
2012	-0.01%	+5.17%	-5.18	30 / 34

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

-0.15%

164 windows

min -3.6% · max 2.9%

35% positive

3-Year rolling

-0.09%

140 windows

min -1.2% · max 1.2%

35% positive

5-Year rolling

-0.05%

115 windows

min -0.8% · max 0.7%

41% positive

7-Year rolling

-0.05%

91 windows

min -0.5% · max 0.5%

31% 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

1.47%

3-year · annualised

Sharpe ratio

-4.46

vs risk-free 6.5%

Sortino ratio

-5.27

Downside-only deviation

Max drawdown

-1.80%

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 - 50% IDCW Donation Option	HDFC	₹10.0419	3 Jun 2026
NIPPON INDIA FIXED MATURITY PLAN - XLI - SERIES 8 - IDCW Option	Nippon India	₹17.0046	3 Jun 2026
SBI Magnum Income Fund-Bonus	SBI	₹43.7200	3 Jun 2026
ICICI Prudential Bond Fund - Half Yearly IDCW	ICICI Prudential	₹11.0548	3 Jun 2026
Franklin India Medium to Long Duration Fund - IDCW	Franklin India	₹10.4210	3 Jun 2026
Canara Robeco Income-Growth Plan	Canara Robeco	₹55.9906	3 Jun 2026
UTI Bond Fund-Growth (for rep. After 6 months- No Load)	UTI	₹74.6017	3 Jun 2026
Birla Sun Life Income Plus (Dividend)	Birla Sun Life	₹12.9049	3 Jun 2026
IDFC - SSIF - Investment Plan - Annual Dividend	IDFC	₹11.6743	3 Jun 2026
JM Income Fund-Dividend	JM Financial	₹21.5269	3 Jun 2026

Recent NAVs

Date	NAV
11 May 2022	₹10.0636
10 May 2022	₹10.0627
9 May 2022	₹10.0617
6 May 2022	₹10.0589
5 May 2022	₹10.0580
4 May 2022	₹10.0570
2 May 2022	₹10.0553
29 Apr 2022	₹10.0526
28 Apr 2022	₹10.0517
27 Apr 2022	₹10.0508

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 Fixed Income Interval Fund ( Half Yearly Planâ€“II)- Dividend Option is ₹10.0636. It's a Medium to Long Duration Fund from UTI, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

UTI Fixed Income Interval Fund ( Half Yearly Planâ€“II)- Dividend Option has NAV history starting from 12 Dec 2007, a track record of about 18 years 5 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 Fixed Income Interval Fund ( Half Yearly Planâ€“II)- Dividend 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 Fixed Income Interval Fund ( Half Yearly Planâ€“II)- Dividend Option has delivered a absolute return of 0.28% — +8.52 pp ahead of the Medium to Long Duration Fund category average of -8.25%. The fund ranks #347 of 728 in its category — the second (Q2) quartile.

Over the trailing 3-year window, UTI Fixed Income Interval Fund ( Half Yearly Planâ€“II)- Dividend Option has delivered a CAGR of -0.07% — +3.92 pp ahead of the Medium to Long Duration Fund category average of -3.98%. The fund ranks #353 of 644 in its category — the third (Q3) quartile.

Over the trailing 5-year window, UTI Fixed Income Interval Fund ( Half Yearly Planâ€“II)- Dividend Option has delivered a CAGR of -0.44% — -3.82 pp behind the Medium to Long Duration Fund category average of 3.38%. The fund ranks #86 of 92 in its category — the bottom (Q4) quartile.

₹1 lakh invested in UTI Fixed Income Interval Fund ( Half Yearly Planâ€“II)- Dividend Option exactly 10 years ago would be worth approximately ₹99,262 today — a multiplier of 0.99×, based on the 10-year CAGR of -0.07%. The category average over the same window would have grown ₹1 lakh to ₹145,412.

A ₹10,000 monthly SIP in UTI Fixed Income Interval Fund ( Half Yearly Planâ€“II)- Dividend Option over the last 5 years — total invested ₹600,000 — would be worth ₹598,956 today. That's an XIRR (money-weighted annualised return) of -0.07%.

A ₹10,000 monthly SIP for 10 years in UTI Fixed Income Interval Fund ( Half Yearly Planâ€“II)- Dividend Option = ₹1,200,000 invested. It would currently be worth ₹1,192,182 (multiplier 0.99×). XIRR: -0.13%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, UTI Fixed Income Interval Fund ( Half Yearly Planâ€“II)- Dividend Option ranks #86 out of 92 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 3.38%; this fund delivered -0.44%.

The worst peak-to-trough decline UTI Fixed Income Interval Fund ( Half Yearly Planâ€“II)- Dividend Option has experienced over the last 5-year window is 3.79% — its NAV fell from a high on 30 Jun 2017 to a low on 03 Jul 2017. 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 Fixed Income Interval Fund ( Half Yearly Planâ€“II)- Dividend Option averaged -0.05% (best 0.73%, worst -0.76%). 41% of rolling windows ended positive. The 5-year Sharpe ratio is -2.45 — negative risk-adjusted performance.

In calendar year 2021, UTI Fixed Income Interval Fund ( Half Yearly Planâ€“II)- Dividend Option returned 0.18% — beating the Medium to Long Duration Fund category average of -6.85% by 7.03 pp. It ranked #242 of 355 in its category that year.

UTI Fixed Income Interval Fund ( Half Yearly Planâ€“II)- Dividend 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 Fixed Income Interval Fund ( Half Yearly Planâ€“II)- Dividend 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: 3.8%. 5-year CAGR: -0.44%.

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