Should I invest in UTI Gilt Fund with 10 year Constant Duration - Flexi IDCW Option?

We don't give personal investment advice. UTI Gilt Fund with 10 year Constant Duration - Direct Plan - Flexi IDCW 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 Gilt Fund with 10 year Constant Duration - Direct Plan - Flexi IDCW Option

Latest NAV

₹13.0519

As of

3 Jun 2026

924 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	+0.11%	+0.06%	+0.05	9 / 16	Q3
1W	+0.18%	+0.02%	+0.16	7 / 16	Q2
2W	+0.72%	+0.70%	+0.02	11 / 16	Q3
1M	+0.61%	+0.53%	+0.08	10 / 16	Q3
3M	-0.49%	-0.15%	-0.34	8 / 16	Q2
6M	+0.33%	-0.45%	+0.79	4 / 16	Q1
YTD	+0.27%	-0.34%	+0.61	4 / 16	Q1
1Y	+1.23%	-0.41%	+1.64	4 / 16	Q1
2Y	+6.23%	+1.86%	+4.37	3 / 15	Q1
3Y	+6.48%	+1.79%	+4.69	3 / 15	Q1
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+7.04%	+2.55%	+4.49	2 / 16	Q1

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
2026 YTD	+0.27%	-0.41%	+0.67	4 / 13
2025	+7.21%	+3.38%	+3.82	2 / 13
2024	+9.67%	+3.86%	+5.81	4 / 12
2023	+7.73%	+3.79%	+3.94	1 / 12
2022	—	—	—	—

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

+7.89%

35 windows

min 1.2% · 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

+7.82%

11 windows

min 6.5% · max 8.7%

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

3.07%

3-year · annualised

Sharpe ratio

-0.05

vs risk-free 6.5%

Sortino ratio

-0.10

Downside-only deviation

Max drawdown

-2.74%

Mar 2026 → Apr 2026

% positive months

75.0%

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 Gilt Fund with 10-year Constant Duration

Scheme	Fund house	NAV	As of
SBI Constant Maturity 10 Year Gilt Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹22.0454	3 Jun 2026
ICICI Prudential Constant Maturity Gilt Fund - Direct Plan - Quarterly IDCW	ICICI Prudential	₹11.5552	3 Jun 2026
Bandhan Gilt Fund with 10 year constant duration Fund - Direct Plan - Monthly IDCW	Bandhan	₹10.4595	3 Jun 2026
DSP 10Y G-Sec Fund - Direct Plan - IDCW	DSP	₹10.5983	3 Jun 2026
UTI Gilt Fund with 10 year Constant Duration - Direct Plan - Annual IDCW Option	UTI	₹11.3787	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹13.0519
2 Jun 2026	₹13.0681
1 Jun 2026	₹13.0536
29 May 2026	₹13.0624
27 May 2026	₹13.0548
26 May 2026	₹13.0448
25 May 2026	₹13.0410
22 May 2026	₹12.9891
21 May 2026	₹12.9605
20 May 2026	₹12.9756

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 03 Jun 2026, the NAV of UTI Gilt Fund with 10 year Constant Duration - Direct Plan - Flexi IDCW Option is ₹13.0519. It's a Gilt Fund with 10-year Constant Duration from UTI, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

UTI Gilt Fund with 10 year Constant Duration - Direct Plan - Flexi IDCW Option has NAV history starting from 03 Aug 2022, a track record of about 3 years 10 months. It's a relatively new scheme. With under 5 years of NAVs, peer comparison is the best yardstick — point-to-point returns can be skewed by entry timing.

UTI Gilt Fund with 10 year Constant Duration - Direct Plan - Flexi IDCW Option is managed by UTI. It's classified by AMFI under the 'Gilt Fund with 10-year Constant Duration' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, UTI Gilt Fund with 10 year Constant Duration - Direct Plan - Flexi IDCW Option has delivered a absolute return of 1.23% — +1.64 pp ahead of the Gilt Fund with 10-year Constant Duration category average of -0.41%. The fund ranks #4 of 16 in its category — the top (Q1) quartile.

Over the trailing 3-year window, UTI Gilt Fund with 10 year Constant Duration - Direct Plan - Flexi IDCW Option has delivered a CAGR of 6.48% — +4.69 pp ahead of the Gilt Fund with 10-year Constant Duration category average of 1.79%. The fund ranks #3 of 15 in its category — the top (Q1) quartile.

UTI Gilt Fund with 10 year Constant Duration - Direct Plan - Flexi IDCW 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 Gilt Fund with 10 year Constant Duration - Direct Plan - Flexi IDCW Option exactly 3 years ago would be worth approximately ₹120,736 today — a multiplier of 1.21×, based on the 3-year CAGR of 6.48%. The category average over the same window would have grown ₹1 lakh to ₹105,475.

A ₹10,000 monthly SIP in UTI Gilt Fund with 10 year Constant Duration - Direct Plan - Flexi IDCW Option over the last 3 years — total invested ₹360,000 — would be worth ₹393,257 today. That's an XIRR (money-weighted annualised return) of 5.82%.

UTI Gilt Fund with 10 year Constant Duration - Direct Plan - Flexi IDCW Option doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹393,257 — XIRR 5.82%.

On a 3-year basis, UTI Gilt Fund with 10 year Constant Duration - Direct Plan - Flexi IDCW Option ranks #3 out of 15 funds in the Gilt Fund with 10-year Constant Duration category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 1.79%; this fund delivered 6.48%.

The worst peak-to-trough decline UTI Gilt Fund with 10 year Constant Duration - Direct Plan - Flexi IDCW Option has experienced over the last 3-year window is 2.74% — its NAV fell from a high on 11 Mar 2026 to a low on 02 Apr 2026. 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 Gilt Fund with 10 year Constant Duration - Direct Plan - Flexi IDCW Option averaged 7.82% (best 8.73%, worst 6.48%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is -0.05 — negative risk-adjusted performance.

In calendar year 2025, UTI Gilt Fund with 10 year Constant Duration - Direct Plan - Flexi IDCW Option returned 7.21% — beating the Gilt Fund with 10-year Constant Duration category average of 3.38% by 3.82 pp. It ranked #2 of 13 in its category that year.

UTI Gilt Fund with 10 year Constant Duration - Direct Plan - Flexi IDCW 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 Gilt Fund with 10 year Constant Duration - Direct Plan - Flexi IDCW 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.