Should I invest in UTI Fixed Term Income fund - Series XXX - I (1104 DAYS) - Flexi IDCW?

We don't give personal investment advice. UTI Fixed Term Income fund - Series XXX - I (1104 DAYS) - Regular Plan - Flexi 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.

UTI

UTI Fixed Term Income fund - Series XXX - I (1104 DAYS) - Regular Plan - Flexi IDCW

Latest NAV

₹10.0000

As of

31 Aug 2021

728 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	-17.30%	-5.48%	-11.82	379 / 472	Q4
1W	-17.27%	-6.69%	-10.58	358 / 472	Q4
2W	-17.23%	-6.61%	-10.62	358 / 472	Q4
1M	-17.11%	-6.65%	-10.46	358 / 472	Q4
3M	-16.23%	-6.59%	-9.64	355 / 471	Q4
6M	-11.28%	-6.25%	-5.03	307 / 443	Q3
YTD	-10.04%	-6.33%	-3.71	311 / 452	Q3
1Y	-6.53%	-4.07%	-2.46	301 / 439	Q3
2Y	-2.84%	+0.33%	-3.16	330 / 439	Q4
3Y	-0.02%	+1.73%	-1.76	181 / 439	Q2
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	-0.04%	+1.99%	-2.02	337 / 472	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	-10.04%	-3.01%	-7.03	193 / 236
2020	+10.42%	+1.27%	+9.16	18 / 344
2019	-1.07%	+2.87%	-3.94	245 / 301
2018	—	—	—	—

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

+5.07%

25 windows

min -6.5% · max 15.4%

64% positive

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

3-Year rolling

-0.02%

1 window

min 0.0% · max 0.0%

0% positive

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

5-Year rolling

—

Insufficient history

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

11.31%

3-year · annualised

Sharpe ratio

-0.51

vs risk-free 6.5%

Sortino ratio

-0.55

Downside-only deviation

Max drawdown

-17.30%

Aug 2021 → Aug 2021

% positive months

86.1%

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 - Income Distribution cum Capital Withdrawal Plan	Nippon India	₹13.2025	3 Jun 2026
SBI Fixed Maturity Plan (FMP) - Series 1 (3668 Days) - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹17.1653	3 Jun 2026
BANDHAN Fixed Term Plan Series 179 REGULAR PLAN PERIODIC-IDCW (3652 days)	Bandhan	₹15.0027	3 Jun 2026
Aditya Birla Sun Life Fixed Term Plan - Series TI (1837 days) - Regular Plan - Payout of IDCW option	Aditya Birla Sun Life	₹13.4359	3 Jun 2026
Kotak Bond-Regular-Annual Dividend	Kotak Mahindra	₹47.6827	3 Jun 2026
Kotak FMP Series 304-Regular Plan-Payout of IDCW	Kotak	₹12.9404	3 Jun 2026
DSP FMP Series - 264 - 60M - 17D - Regular - IDCW	DSP	₹13.1466	3 Jun 2026
HSBC Income Fund - Investment - Regular - Dividend	HSBC	₹10.5254	3 Jun 2026
UTI Fixed Term Income Fund Series XXXVI - I (1574 Days) - Regular Plan - Payout of IDCW Option	UTI	₹12.1075	3 Jun 2026
Axis Fixed Maturity Plan - Series 129 (108 Days) - Regular Plan - IDCW	Axis	₹10.1904	3 Jun 2026

Recent NAVs

Date	NAV
31 Aug 2021	₹10.0000
30 Aug 2021	₹12.0920
27 Aug 2021	₹12.0895
26 Aug 2021	₹12.0886
25 Aug 2021	₹12.0878
24 Aug 2021	₹12.0869
23 Aug 2021	₹12.0861
20 Aug 2021	₹12.0835
18 Aug 2021	₹12.0818
17 Aug 2021	₹12.0810

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 31 Aug 2021, the NAV of UTI Fixed Term Income fund - Series XXX - I (1104 DAYS) - Regular Plan - Flexi IDCW is ₹10.0000. It's a Medium to Long Duration Fund from UTI, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

UTI Fixed Term Income fund - Series XXX - I (1104 DAYS) - Regular Plan - Flexi IDCW has NAV history starting from 27 Aug 2018, a track record of about 7 years 9 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 Fixed Term Income fund - Series XXX - I (1104 DAYS) - Regular Plan - Flexi 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 Fixed Term Income fund - Series XXX - I (1104 DAYS) - Regular Plan - Flexi IDCW has delivered a absolute return of -6.53% — -2.46 pp behind the Medium to Long Duration Fund category average of -4.07%. The fund ranks #301 of 439 in its category — the third (Q3) quartile.

Over the trailing 3-year window, UTI Fixed Term Income fund - Series XXX - I (1104 DAYS) - Regular Plan - Flexi IDCW has delivered a CAGR of -0.02% — -1.76 pp behind the Medium to Long Duration Fund category average of 1.73%. The fund ranks #181 of 439 in its category — the second (Q2) quartile.

UTI Fixed Term Income fund - Series XXX - I (1104 DAYS) - Regular Plan - Flexi IDCW doesn't have a complete 5-year window yet (we need at least 5 year of NAVs). Check the shorter-window returns above.

₹1 lakh invested in UTI Fixed Term Income fund - Series XXX - I (1104 DAYS) - Regular Plan - Flexi IDCW exactly 3 years ago would be worth approximately ₹99,931 today — a multiplier of 1.00×, based on the 3-year CAGR of -0.02%. The category average over the same window would have grown ₹1 lakh to ₹105,294.

A ₹10,000 monthly SIP in UTI Fixed Term Income fund - Series XXX - I (1104 DAYS) - Regular Plan - Flexi IDCW over the last 3 years — total invested ₹360,000 — would be worth ₹339,691 today. That's an XIRR (money-weighted annualised return) of -3.72%.

UTI Fixed Term Income fund - Series XXX - I (1104 DAYS) - Regular Plan - Flexi IDCW doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹339,691 — XIRR -3.72%.

On a 3-year basis, UTI Fixed Term Income fund - Series XXX - I (1104 DAYS) - Regular Plan - Flexi IDCW ranks #181 out of 439 funds in the Medium to Long Duration Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 1.73%; this fund delivered -0.02%.

The worst peak-to-trough decline UTI Fixed Term Income fund - Series XXX - I (1104 DAYS) - Regular Plan - Flexi IDCW has experienced over the last 3-year window is 17.30% — its NAV fell from a high on 30 Aug 2021 to a low on 31 Aug 2021. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 3-year rolling windows, UTI Fixed Term Income fund - Series XXX - I (1104 DAYS) - Regular Plan - Flexi IDCW averaged -0.02% (best -0.02%, worst -0.02%). 0% of rolling windows ended positive. The 3-year Sharpe ratio is -0.51 — negative risk-adjusted performance.

In calendar year 2020, UTI Fixed Term Income fund - Series XXX - I (1104 DAYS) - Regular Plan - Flexi IDCW returned 10.42% — beating the Medium to Long Duration Fund category average of 1.27% by 9.16 pp. It ranked #18 of 344 in its category that year.

UTI Fixed Term Income fund - Series XXX - I (1104 DAYS) - Regular Plan - Flexi 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 Fixed Term Income fund - Series XXX - I (1104 DAYS) - Regular Plan - Flexi 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.

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