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 - 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 Gilt Fund with 10 year Constant Duration - Regular Plan - Growth Option

Latest NAV

₹13.1496

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%	+0.00	1 / 2	Q2
1W	-0.29%	-0.30%	+0.00	1 / 2	Q2
2W	+0.05%	-0.04%	+0.09	1 / 2	Q2
1M	+1.26%	+1.18%	+0.08	1 / 2	Q2
3M	+2.61%	+2.45%	+0.16	1 / 2	Q2
6M	+2.90%	+2.62%	+0.28	1 / 2	Q2
YTD	+2.57%	+2.25%	+0.32	1 / 2	Q2
1Y	+3.39%	+2.87%	+0.52	1 / 2	Q2
2Y	+6.68%	+6.41%	+0.27	1 / 2	Q2
3Y	+6.74%	+6.58%	+0.16	1 / 2	Q2
4Y	+6.91%	+7.01%	-0.10	2 / 2	Q4
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+6.98%	+7.05%	-0.07	2 / 2	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	+2.57%	+2.25%	+0.32	1 / 2
2025	+6.70%	+6.50%	+0.20	1 / 2
2024	+9.15%	+9.12%	+0.03	1 / 2
2023	+7.20%	+7.45%	-0.25	2 / 2
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

+7.33%

37 windows

min 0.1% · max 12.0%

100% positive

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

3-Year rolling

+7.26%

12 windows

min 5.8% · max 8.4%

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

0.05

vs risk-free 6.5%

Sortino ratio

0.13

Downside-only deviation

Max drawdown

-2.77%

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
UTI Gilt Fund with 10 year Constant Duration - Direct Plan - Growth Option	UTI	₹13.4022	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹13.1496
16 Jul 2026	₹13.1673
15 Jul 2026	₹13.1594
14 Jul 2026	₹13.1260
13 Jul 2026	₹13.1838
10 Jul 2026	₹13.1884
9 Jul 2026	₹13.1477
8 Jul 2026	₹13.1401
7 Jul 2026	₹13.1829
6 Jul 2026	₹13.1854

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 - Regular Plan - Growth Option is ₹13.1496. It's a Gilt Fund with 10-year Constant Duration from UTI, run as a Regular plan Growth option. NAVs update once per business day from the AMFI feed.

UTI Gilt Fund with 10 year Constant Duration - Regular 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 - Regular 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 - Regular Plan - Growth Option has delivered a absolute return of 3.39% — +0.52 pp ahead of the Gilt Fund with 10-year Constant Duration category average of 2.87%. The fund ranks #1 of 2 in its category — the second (Q2) quartile.

Over the trailing 3-year window, UTI Gilt Fund with 10 year Constant Duration - Regular Plan - Growth Option has delivered a CAGR of 6.74% — +0.16 pp ahead of the Gilt Fund with 10-year Constant Duration category average of 6.58%. The fund ranks #1 of 2 in its category — the second (Q2) quartile.

UTI Gilt Fund with 10 year Constant Duration - 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 Gilt Fund with 10 year Constant Duration - Regular Plan - Growth Option exactly 3 years ago would be worth approximately ₹121,626 today — a multiplier of 1.22×, based on the 3-year CAGR of 6.74%. The category average over the same window would have grown ₹1 lakh to ₹121,067.

A ₹10,000 monthly SIP in UTI Gilt Fund with 10 year Constant Duration - Regular Plan - Growth Option over the last 3 years — total invested ₹360,000 — would be worth ₹396,784 today. That's an XIRR (money-weighted annualised return) of 6.42%.

UTI Gilt Fund with 10 year Constant Duration - 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 ₹396,784 — XIRR 6.42%.

On a 3-year basis, UTI Gilt Fund with 10 year Constant Duration - Regular Plan - Growth Option ranks #1 out of 2 funds in the Gilt Fund with 10-year Constant Duration category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 6.58%; this fund delivered 6.74%.

The worst peak-to-trough decline UTI Gilt Fund with 10 year Constant Duration - Regular Plan - Growth Option has experienced over the last 3-year window is 2.77% — 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 - Regular Plan - Growth Option averaged 7.26% (best 8.36%, worst 5.78%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is 0.04 — weak risk-adjusted performance.

In calendar year 2025, UTI Gilt Fund with 10 year Constant Duration - Regular Plan - Growth Option returned 6.70% — beating the Gilt Fund with 10-year Constant Duration category average of 6.50% by 0.20 pp. It ranked #1 of 2 in its category that year.

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