Should I invest in UTI FTIF Series XXVIII-III (1203 Days)?

We don't give personal investment advice. UTI FTIF Series XXVIII-III (1203 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 FTIF Series XXVIII-III (1203 Days) - Regular Plan - Growth Option

Latest NAV

₹11.7835

As of

15 Apr 2021

792 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	+0.00%	-0.06%	+0.06	248 / 268	Q4
1W	+0.05%	0.00%	+0.05	233 / 267	Q4
2W	-1.36%	+0.08%	-1.44	258 / 267	Q4
1M	-1.20%	+0.29%	-1.48	258 / 267	Q4
3M	-0.55%	+1.16%	-1.71	257 / 267	Q4
6M	+0.75%	+2.59%	-1.84	232 / 240	Q4
YTD	-0.38%	+2.18%	-2.56	241 / 249	Q4
1Y	+5.26%	+5.87%	-0.61	141 / 236	Q3
2Y	+4.37%	+6.77%	-2.39	222 / 236	Q4
3Y	+4.94%	+6.94%	-1.99	214 / 236	Q4
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+5.14%	+6.36%	-1.22	217 / 268	Q4

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	-0.38%	+3.46%	-3.84	114 / 120
2020	+7.82%	+7.10%	+0.73	82 / 158
2019	+3.78%	+7.06%	-3.28	114 / 146
2018	+5.65%	+5.18%	+0.47	54 / 82

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

+5.85%

28 windows

min 2.0% · max 9.8%

100% positive

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

3-Year rolling

+5.58%

4 windows

min 4.9% · max 5.9%

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

2.51%

3-year · annualised

Sharpe ratio

-0.65

vs risk-free 6.5%

Sortino ratio

-0.93

Downside-only deviation

Max drawdown

-3.23%

Apr 2019 → Jun 2019

% 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 - 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
15 Apr 2021	₹11.7835
12 Apr 2021	₹11.7810
9 Apr 2021	₹11.7785
8 Apr 2021	₹11.7777
7 Apr 2021	₹11.7770
6 Apr 2021	₹11.7762
5 Apr 2021	₹11.9513
31 Mar 2021	₹11.9454
30 Mar 2021	₹11.9441
26 Mar 2021	₹11.9392

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 15 Apr 2021, the NAV of UTI FTIF Series XXVIII-III (1203 Days) - Regular Plan - Growth Option is ₹11.7835. 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 FTIF Series XXVIII-III (1203 Days) - Regular Plan - Growth Option has NAV history starting from 03 Jan 2018, a track record of about 8 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 FTIF Series XXVIII-III (1203 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 FTIF Series XXVIII-III (1203 Days) - Regular Plan - Growth Option has delivered a absolute return of 5.26% — -0.61 pp behind the Medium to Long Duration Fund category average of 5.87%. The fund ranks #141 of 236 in its category — the third (Q3) quartile.

Over the trailing 3-year window, UTI FTIF Series XXVIII-III (1203 Days) - Regular Plan - Growth Option has delivered a CAGR of 4.94% — -1.99 pp behind the Medium to Long Duration Fund category average of 6.94%. The fund ranks #214 of 236 in its category — the bottom (Q4) quartile.

UTI FTIF Series XXVIII-III (1203 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 FTIF Series XXVIII-III (1203 Days) - Regular Plan - Growth Option exactly 3 years ago would be worth approximately ₹115,567 today — a multiplier of 1.16×, based on the 3-year CAGR of 4.94%. The category average over the same window would have grown ₹1 lakh to ₹122,282.

A ₹10,000 monthly SIP in UTI FTIF Series XXVIII-III (1203 Days) - Regular Plan - Growth Option over the last 3 years — total invested ₹360,000 — would be worth ₹388,814 today. That's an XIRR (money-weighted annualised return) of 5.06%.

UTI FTIF Series XXVIII-III (1203 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 ₹388,814 — XIRR 5.06%.

On a 3-year basis, UTI FTIF Series XXVIII-III (1203 Days) - Regular Plan - Growth Option ranks #214 out of 236 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 6.94%; this fund delivered 4.94%.

The worst peak-to-trough decline UTI FTIF Series XXVIII-III (1203 Days) - Regular Plan - Growth Option has experienced over the last 3-year window is 3.23% — its NAV fell from a high on 16 Apr 2019 to a low on 28 Jun 2019. 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 FTIF Series XXVIII-III (1203 Days) - Regular Plan - Growth Option averaged 5.58% (best 5.87%, worst 4.94%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is -0.65 — negative risk-adjusted performance.

In calendar year 2020, UTI FTIF Series XXVIII-III (1203 Days) - Regular Plan - Growth Option returned 7.82% — beating the Medium to Long Duration Fund category average of 7.10% by 0.73 pp. It ranked #82 of 158 in its category that year.

UTI FTIF Series XXVIII-III (1203 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 FTIF Series XXVIII-III (1203 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.