Should I invest in UTI Gilt Fund with 10 year Constant Duration?

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

Latest NAV

₹13.4022

As of

17 Jul 2026

955 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	-0.13%	-0.14%	+0.01	2 / 5	Q2
1W	-0.29%	-0.30%	+0.02	2 / 5	Q2
2W	+0.07%	+0.00%	+0.07	2 / 5	Q2
1M	+1.30%	+1.30%	+0.00	4 / 5	Q4
3M	+2.73%	+2.78%	-0.05	4 / 5	Q4
6M	+3.14%	+3.29%	-0.15	4 / 5	Q4
YTD	+2.83%	+2.98%	-0.15	4 / 5	Q4
1Y	+3.88%	+4.03%	-0.15	4 / 5	Q4
2Y	+7.19%	+7.30%	-0.11	4 / 5	Q4
3Y	+7.25%	+7.33%	-0.07	4 / 5	Q4
4Y	+7.41%	+7.78%	-0.36	4 / 5	Q4
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+7.50%	+8.14%	-0.64	4 / 5	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
2026 YTD	+2.83%	+2.98%	-0.15	4 / 5
2025	+7.21%	+7.31%	-0.10	3 / 5
2024	+9.68%	+9.67%	+0.01	3 / 5
2023	+7.72%	+7.72%	+0.00	3 / 5
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

+7.84%

37 windows

min 0.6% · max 12.5%

100% positive

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

3-Year rolling

+7.78%

12 windows

min 6.3% · max 8.9%

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

2.74%

3-year · annualised

Sharpe ratio

0.22

vs risk-free 6.5%

Sortino ratio

0.65

Downside-only deviation

Max drawdown

-2.74%

Mar 2026 → Apr 2026

% positive months

80.6%

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 - GROWTH	SBI	₹69.5613	17 Jul 2026
ICICI Prudential Constant Maturity Gilt Fund - Direct Plan - Growth	ICICI Prudential	₹26.7037	17 Jul 2026
Bandhan Gilt Fund with 10 year constant duration Fund - Direct Plan - Growth	Bandhan	₹49.3490	17 Jul 2026
DSP 10Y G-Sec Fund - Direct Plan - Growth	DSP	₹23.1356	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹13.4022
16 Jul 2026	₹13.4200
15 Jul 2026	₹13.4118
14 Jul 2026	₹13.3776
13 Jul 2026	₹13.4364
10 Jul 2026	₹13.4405
9 Jul 2026	₹13.3989
8 Jul 2026	₹13.3909
7 Jul 2026	₹13.4343
6 Jul 2026	₹13.4368

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 17 Jul 2026, the NAV of UTI Gilt Fund with 10 year Constant Duration - Direct Plan - Growth Option is ₹13.4022. It's a Gilt Fund with 10-year Constant Duration from UTI, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

UTI Gilt Fund with 10 year Constant Duration - Direct Plan - Growth Option has NAV history starting from 03 Aug 2022, a track record of about 3 years 11 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 - Growth 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 - Growth Option has delivered a absolute return of 3.88% — -0.15 pp behind the Gilt Fund with 10-year Constant Duration category average of 4.03%. The fund ranks #4 of 5 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, UTI Gilt Fund with 10 year Constant Duration - Direct Plan - Growth Option has delivered a CAGR of 7.25% — -0.07 pp behind the Gilt Fund with 10-year Constant Duration category average of 7.33%. The fund ranks #4 of 5 in its category — the bottom (Q4) quartile.

UTI Gilt Fund with 10 year Constant Duration - Direct 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 Gilt Fund with 10 year Constant Duration - Direct Plan - Growth Option exactly 3 years ago would be worth approximately ₹123,375 today — a multiplier of 1.23×, based on the 3-year CAGR of 7.25%. The category average over the same window would have grown ₹1 lakh to ₹123,624.

A ₹10,000 monthly SIP in UTI Gilt Fund with 10 year Constant Duration - Direct Plan - Growth Option over the last 3 years — total invested ₹360,000 — would be worth ₹399,786 today. That's an XIRR (money-weighted annualised return) of 6.93%.

UTI Gilt Fund with 10 year Constant Duration - Direct 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 ₹399,786 — XIRR 6.93%.

On a 3-year basis, UTI Gilt Fund with 10 year Constant Duration - Direct Plan - Growth Option ranks #4 out of 5 funds in the Gilt Fund with 10-year Constant Duration category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 7.33%; this fund delivered 7.25%.

The worst peak-to-trough decline UTI Gilt Fund with 10 year Constant Duration - Direct Plan - Growth 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 - Growth Option averaged 7.78% (best 8.89%, worst 6.29%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is 0.22 — weak risk-adjusted performance.

In calendar year 2025, UTI Gilt Fund with 10 year Constant Duration - Direct Plan - Growth Option returned 7.21% — lagging the Gilt Fund with 10-year Constant Duration category average of 7.31% by 0.10 pp. It ranked #3 of 5 in its category that year.

UTI Gilt Fund with 10 year Constant Duration - Direct 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 Gilt Fund with 10 year Constant Duration - Direct 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.