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

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

Latest NAV

₹11.1524

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

Add another fund to compare

No matches.

Compares up to 8 funds. Click any line in the legend above to hide/show it.

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%	+0.12%	-0.01	6 / 8	Q3
1W	+0.17%	+0.17%	0.00	2 / 8	Q1
2W	+0.70%	+0.82%	-0.12	5 / 8	Q3
1M	+0.57%	+0.61%	-0.04	5 / 8	Q3
3M	-3.19%	-1.29%	-1.90	7 / 8	Q4
6M	-2.50%	-0.84%	-1.66	7 / 8	Q4
YTD	-2.53%	-0.72%	-1.81	7 / 8	Q4
1Y	-1.86%	-0.49%	-1.37	6 / 8	Q3
2Y	+2.05%	+3.12%	-1.07	5 / 8	Q3
3Y	+1.76%	+3.10%	-1.34	5 / 8	Q3
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+2.74%	+3.45%	-0.71	5 / 8	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
2026 YTD	-2.53%	-0.72%	-1.81	7 / 8
2025	+2.05%	+3.60%	-1.56	5 / 8
2024	+3.72%	+5.33%	-1.61	5 / 8
2023	+5.40%	+5.10%	+0.31	5 / 8
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

+3.27%

35 windows

min -1.9% · max 6.7%

91% positive

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

3-Year rolling

+3.27%

11 windows

min 1.8% · max 4.2%

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

5.06%

3-year · annualised

Sharpe ratio

-0.91

vs risk-free 6.5%

Sortino ratio

-1.09

Downside-only deviation

Max drawdown

-5.64%

Mar 2024 → Apr 2024

% positive months

66.7%

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
IDFC GSF - Short Term - Growth	IDFC	₹47.2400	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹11.1524
2 Jun 2026	₹11.1664
1 Jun 2026	₹11.1542
29 May 2026	₹11.1621
27 May 2026	₹11.1559
26 May 2026	₹11.1475
25 May 2026	₹11.1444
22 May 2026	₹11.1004
21 May 2026	₹11.0761
20 May 2026	₹11.0891

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 - Regular Plan - Annual IDCW Option is ₹11.1524. It's a Gilt Fund with 10-year Constant Duration from UTI, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

UTI Gilt Fund with 10 year Constant Duration - Regular Plan - Annual 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 - Regular Plan - Annual 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 - Regular Plan - Annual IDCW Option has delivered a absolute return of -1.86% — -1.37 pp behind the Gilt Fund with 10-year Constant Duration category average of -0.49%. The fund ranks #6 of 8 in its category — the third (Q3) quartile.

Over the trailing 3-year window, UTI Gilt Fund with 10 year Constant Duration - Regular Plan - Annual IDCW Option has delivered a CAGR of 1.76% — -1.34 pp behind the Gilt Fund with 10-year Constant Duration category average of 3.10%. The fund ranks #5 of 8 in its category — the third (Q3) quartile.

UTI Gilt Fund with 10 year Constant Duration - Regular Plan - Annual 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 - Regular Plan - Annual IDCW Option exactly 3 years ago would be worth approximately ₹105,366 today — a multiplier of 1.05×, based on the 3-year CAGR of 1.76%. The category average over the same window would have grown ₹1 lakh to ₹109,584.

A ₹10,000 monthly SIP in UTI Gilt Fund with 10 year Constant Duration - Regular Plan - Annual IDCW Option over the last 3 years — total invested ₹360,000 — would be worth ₹364,673 today. That's an XIRR (money-weighted annualised return) of 0.84%.

UTI Gilt Fund with 10 year Constant Duration - Regular Plan - Annual 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 ₹364,673 — XIRR 0.84%.

On a 3-year basis, UTI Gilt Fund with 10 year Constant Duration - Regular Plan - Annual IDCW Option ranks #5 out of 8 funds in the Gilt Fund with 10-year Constant Duration category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 3.10%; this fund delivered 1.76%.

The worst peak-to-trough decline UTI Gilt Fund with 10 year Constant Duration - Regular Plan - Annual IDCW Option has experienced over the last 3-year window is 5.64% — its NAV fell from a high on 11 Mar 2024 to a low on 19 Apr 2024. 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 - Regular Plan - Annual IDCW Option averaged 3.27% (best 4.23%, worst 1.76%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is -0.91 — negative risk-adjusted performance.

In calendar year 2025, UTI Gilt Fund with 10 year Constant Duration - Regular Plan - Annual IDCW Option returned 2.05% — lagging the Gilt Fund with 10-year Constant Duration category average of 3.60% by 1.56 pp. It ranked #5 of 8 in its category that year.

UTI Gilt Fund with 10 year Constant Duration - Regular Plan - Annual 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 - Regular Plan - Annual 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.