Should I invest in UTI - Fixed Term Income Fund Series XXXI-I (1209 Days)?

We don't give personal investment advice. UTI - Fixed Term Income Fund Series XXXI-I (1209 Days) - Regular Plan - Growth 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.

UTI

UTI - Fixed Term Income Fund Series XXXI-I (1209 Days) - Regular Plan - Growth Option

Latest NAV

₹12.7752

As of

19 Apr 2022

799 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%	-0.06%	+0.07	137 / 268	Q3
1W	+0.07%	0.00%	+0.07	164 / 267	Q3
2W	+0.13%	+0.08%	+0.04	173 / 267	Q3
1M	+0.27%	+0.29%	-0.02	187 / 267	Q3
3M	+0.85%	+1.16%	-0.31	200 / 267	Q3
6M	+1.78%	+2.59%	-0.81	175 / 240	Q3
YTD	+1.04%	+2.18%	-1.14	224 / 249	Q4
1Y	+3.98%	+5.87%	-1.89	180 / 236	Q4
2Y	+6.03%	+6.77%	-0.74	184 / 236	Q4
3Y	+7.35%	+6.94%	+0.42	90 / 236	Q2
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+7.65%	+6.36%	+1.30	74 / 268	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	+1.04%	+2.01%	-0.97	67 / 71
2021	+4.10%	+3.46%	+0.63	43 / 120
2020	+9.95%	+7.10%	+2.86	22 / 158
2019	+10.12%	+7.06%	+3.05	38 / 146
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

+7.94%

29 windows

min 4.0% · max 11.8%

100% positive

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

3-Year rolling

+7.67%

4 windows

min 7.4% · max 8.0%

100% 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

2.40%

3-year · annualised

Sharpe ratio

0.27

vs risk-free 6.5%

Sortino ratio

0.58

Downside-only deviation

Max drawdown

-2.27%

Mar 2020 → Mar 2020

% positive months

97.2%

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 - Growth Option	Nippon India	₹13.2025	3 Jun 2026
SBI Fixed Maturity Plan (FMP) - Series 1 (3668 Days) - Regular Plan - Growth	SBI	₹17.1652	3 Jun 2026
BANDHAN Fixed Term Plan Series 179 REGULAR PLAN-GROWTH (3652 days)	Bandhan	₹17.4145	3 Jun 2026
Aditya Birla Sun Life Fixed Term Plan - Series TI (1837 days) - Regular Plan - Growth Option	Aditya Birla Sun Life	₹13.4359	3 Jun 2026
Kotak FMP Series 304-Regular Plan-Growth Option	Kotak	₹12.9404	3 Jun 2026
DSP FMP Series - 264 - 60M - 17D - Regular Plan - Growth	DSP	₹13.1473	3 Jun 2026
UTI Fixed Term Income Fund Series XXXVI - I (1574 Days) - Regular Plan - Growth Option	UTI	₹12.6624	3 Jun 2026
Axis Fixed Maturity Plan - Series 129 (108 Days) - Regular Plan - Growth	Axis	₹10.1904	3 Jun 2026
TRUSTMF FIXED MATURITY PLAN -SERIES II (1196 DAYS)-REGULAR PLAN -GROWTH		₹1,287.3332	3 Jun 2026
Union Fixed Maturity Plan - Series 13 - Regular Plan - Growth Option	Union	₹12.2015	15 Apr 2026

Recent NAVs

Date	NAV
19 Apr 2022	₹12.7752
18 Apr 2022	₹12.7741
13 Apr 2022	₹12.7681
12 Apr 2022	₹12.7669
11 Apr 2022	₹12.7657
8 Apr 2022	₹12.7624
7 Apr 2022	₹12.7613
6 Apr 2022	₹12.7602
5 Apr 2022	₹12.7590
4 Apr 2022	₹12.7579

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 19 Apr 2022, the NAV of UTI - Fixed Term Income Fund Series XXXI-I (1209 Days) - Regular Plan - Growth Option is ₹12.7752. It's a Medium to Long Duration Fund from UTI, run as a Regular plan Growth option. NAVs update once per business day from the AMFI feed.

UTI - Fixed Term Income Fund Series XXXI-I (1209 Days) - Regular Plan - Growth Option has NAV history starting from 31 Dec 2018, a track record of about 7 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 - Fixed Term Income Fund Series XXXI-I (1209 Days) - Regular Plan - Growth 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 Term Income Fund Series XXXI-I (1209 Days) - Regular Plan - Growth Option has delivered a absolute return of 3.98% — -1.89 pp behind the Medium to Long Duration Fund category average of 5.87%. The fund ranks #180 of 236 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, UTI - Fixed Term Income Fund Series XXXI-I (1209 Days) - Regular Plan - Growth Option has delivered a CAGR of 7.35% — +0.42 pp ahead of the Medium to Long Duration Fund category average of 6.94%. The fund ranks #90 of 236 in its category — the second (Q2) quartile.

UTI - Fixed Term Income Fund Series XXXI-I (1209 Days) - Regular Plan - Growth Option 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 XXXI-I (1209 Days) - Regular Plan - Growth Option exactly 3 years ago would be worth approximately ₹123,724 today — a multiplier of 1.24×, based on the 3-year CAGR of 7.35%. The category average over the same window would have grown ₹1 lakh to ₹122,282.

A ₹10,000 monthly SIP in UTI - Fixed Term Income Fund Series XXXI-I (1209 Days) - Regular Plan - Growth Option over the last 3 years — total invested ₹360,000 — would be worth ₹393,268 today. That's an XIRR (money-weighted annualised return) of 5.82%.

UTI - Fixed Term Income Fund Series XXXI-I (1209 Days) - Regular Plan - Growth Option doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹393,268 — XIRR 5.82%.

On a 3-year basis, UTI - Fixed Term Income Fund Series XXXI-I (1209 Days) - Regular Plan - Growth Option ranks #90 out of 236 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 6.94%; this fund delivered 7.35%.

The worst peak-to-trough decline UTI - Fixed Term Income Fund Series XXXI-I (1209 Days) - Regular Plan - Growth Option has experienced over the last 3-year window is 2.27% — its NAV fell from a high on 04 Mar 2020 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 3-year rolling windows, UTI - Fixed Term Income Fund Series XXXI-I (1209 Days) - Regular Plan - Growth Option averaged 7.67% (best 8.00%, worst 7.35%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is 0.27 — weak risk-adjusted performance.

In calendar year 2021, UTI - Fixed Term Income Fund Series XXXI-I (1209 Days) - Regular Plan - Growth Option returned 4.10% — beating the Medium to Long Duration Fund category average of 3.46% by 0.63 pp. It ranked #43 of 120 in its category that year.

UTI - Fixed Term Income Fund Series XXXI-I (1209 Days) - Regular Plan - Growth 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 Term Income Fund Series XXXI-I (1209 Days) - Regular Plan - Growth 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.

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