Should I invest in UTI - INDEX SELECT FUND?

We don't give personal investment advice. UTI - INDEX SELECT FUND-Growth Option is suitable for an investor whose:understands what asset class this scheme actually invests in (check the factsheet)matches that asset class's volatility profile to their goal horizonCross-check the numbers above against alternatives before deciding.

UTI

UTI - INDEX SELECT FUND-Growth Option

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	-0.03%	+0.06%	-0.09	191 / 299	Q3
1W	+15.38%	-3.61%	+18.99	2 / 303	Q1
2W	+15.61%	-4.52%	+20.13	2 / 303	Q1
1M	+21.95%	-5.64%	+27.59	2 / 302	Q1
3M	+42.97%	-4.27%	+47.24	5 / 302	Q1
6M	+49.69%	+1.48%	+48.21	11 / 307	Q1
YTD	+35.49%	-0.18%	+35.67	19 / 309	Q1
1Y	-13.27%	+7.10%	-20.38	239 / 307	Q4
2Y	+0.21%	+2.20%	-1.99	190 / 303	Q3
3Y	+9.89%	+0.76%	+9.13	93 / 264	Q2
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+6.15%	+0.51%	+5.64	123 / 310	Q2

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
2009 YTD	+35.49%	+65.86%	-30.37	208 / 238
2008	-49.02%	-52.86%	+3.84	41 / 198
2007	+46.94%	+42.91%	+4.03	59 / 137
2006	—	—	—	—

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

+3.44%

27 windows

min -47.2% · max 50.8%

59% positive

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

3-Year rolling

+4.36%

2 windows

min -1.2% · max 9.9%

50% 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

33.43%

3-year · annualised

Sharpe ratio

0.22

vs risk-free 6.5%

Sortino ratio

0.34

Downside-only deviation

Max drawdown

-55.74%

Jan 2008 → Oct 2008

% positive months

55.6%

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.

Recent NAVs

Date	NAV
20 May 2009	₹36.0000
19 May 2009	₹36.0100
15 May 2009	₹31.3200
14 May 2009	₹30.7800
13 May 2009	₹31.2000
12 May 2009	₹31.5800
11 May 2009	₹30.7700
8 May 2009	₹31.2100
7 May 2009	₹31.6900
6 May 2009	₹31.1400

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.

UTI - INDEX SELECT FUND-Growth Option is a Growth from UTI (Unknown plan, Growth option). Latest NAV isn't currently available in our feed — the AMC publishes it once per business day after market close.

UTI - INDEX SELECT FUND-Growth Option has NAV history starting from 03 Apr 2006, a track record of about 20 years 2 months. Long-tenured funds like this have weathered multiple market cycles — the 2008 crash, 2013 taper tantrum, 2020 COVID drawdown — which makes their returns more credible than a 3-year track record alone.

UTI - INDEX SELECT FUND-Growth Option is managed by UTI. It's classified by AMFI under the 'Growth' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, UTI - INDEX SELECT FUND-Growth Option has delivered a absolute return of -13.27% — -20.38 pp behind the Growth category average of 7.10%. The fund ranks #239 of 307 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, UTI - INDEX SELECT FUND-Growth Option has delivered a CAGR of 9.89% — +9.13 pp ahead of the Growth category average of 0.76%. The fund ranks #93 of 264 in its category — the second (Q2) quartile.

UTI - INDEX SELECT FUND-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 - INDEX SELECT FUND-Growth Option exactly 3 years ago would be worth approximately ₹132,695 today — a multiplier of 1.33×, based on the 3-year CAGR of 9.89%. The category average over the same window would have grown ₹1 lakh to ₹102,292.

A ₹10,000 monthly SIP in UTI - INDEX SELECT FUND-Growth Option over the last 3 years — total invested ₹360,000 — would be worth ₹391,573 today. That's an XIRR (money-weighted annualised return) of 5.53%.

UTI - INDEX SELECT FUND-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 ₹391,573 — XIRR 5.53%.

On a 3-year basis, UTI - INDEX SELECT FUND-Growth Option ranks #93 out of 264 funds in the Growth category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 0.76%; this fund delivered 9.89%.

The worst peak-to-trough decline UTI - INDEX SELECT FUND-Growth Option has experienced over the last 3-year window is 55.74% — its NAV fell from a high on 08 Jan 2008 to a low on 27 Oct 2008. 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 - INDEX SELECT FUND-Growth Option averaged 4.36% (best 9.89%, worst -1.16%). 50% of rolling windows ended positive. The 3-year Sharpe ratio is 0.22 — weak risk-adjusted performance.

In calendar year 2008, UTI - INDEX SELECT FUND-Growth Option returned -49.02% — beating the Growth category average of -52.86% by 3.84 pp. It ranked #41 of 198 in its category that year.

UTI - INDEX SELECT FUND-Growth Option doesn't fit cleanly into the standard Equity/Debt buckets in our taxonomy. Tax treatment depends on actual asset allocation as disclosed by the AMC — check the factsheet or AMFI's classification table.

We don't give personal investment advice. UTI - INDEX SELECT FUND-Growth Option is suitable for an investor whose:

understands what asset class this scheme actually invests in (check the factsheet)
matches that asset class's volatility profile to their goal horizon

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.