Should I invest in UTI India Lifestyle Fund?

We don't give personal investment advice. UTI India Lifestyle Fund - Dividend Option is suitable for an investor whose:time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a lossrisk tolerance accepts seeing the portfolio fall sharply without panic-sellinggoal isn't capital preservation in the short termCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 24.0%. 5-year CAGR: 10.20%.

UTI

UTI India Lifestyle Fund - Dividend Option

Latest NAV

₹49.7783

As of

17 Jul 2026

4,645 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	+0.22%	-0.07%	+0.29	49 / 122	Q2
1W	-0.60%	-0.15%	-0.45	91 / 122	Q3
2W	-0.52%	-0.13%	-0.38	76 / 122	Q3
1M	+1.46%	+1.33%	+0.13	61 / 122	Q2
3M	+3.20%	+3.32%	-0.12	56 / 122	Q2
6M	-1.52%	+2.87%	-4.38	92 / 122	Q4
YTD	-4.04%	+1.43%	-5.47	92 / 122	Q4
1Y	-0.44%	+2.53%	-2.97	77 / 120	Q3
2Y	-1.30%	+1.69%	-2.99	66 / 116	Q3
3Y	+10.34%	+13.72%	-3.38	82 / 114	Q3
4Y	+11.09%	+15.46%	-4.36	81 / 106	Q4
5Y	+10.20%	+12.16%	-1.96	67 / 104	Q3
7Y	+12.15%	+15.00%	-2.85	72 / 99	Q3
10Y	+9.97%	+11.50%	-1.53	63 / 93	Q3
Inception	+8.84%	+11.17%	-2.33	80 / 122	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	-4.04%	+1.37%	-5.41	88 / 118
2025	+3.42%	+3.20%	+0.23	45 / 115
2024	+20.37%	+19.60%	+0.76	45 / 113
2023	+22.89%	+31.56%	-8.66	90 / 108
2022	-2.33%	+2.19%	-4.51	69 / 104
2021	+17.91%	+32.41%	-14.50	83 / 102
2020	+15.21%	+18.32%	-3.11	42 / 100
2019	+6.04%	+5.50%	+0.54	35 / 97
2018	-1.79%	-10.07%	+8.27	22 / 94
2017	+31.68%	+30.10%	+1.58	47 / 93
2016	+2.88%	-0.25%	+3.13	30 / 93

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

+11.71%

218 windows

min -46.9% · max 84.8%

75% positive

3-Year rolling

+11.42%

194 windows

min -1.1% · max 30.7%

99% positive

5-Year rolling

+10.95%

170 windows

min 0.5% · max 21.1%

100% positive

7-Year rolling

+10.54%

145 windows

min 5.5% · max 17.4%

100% positive

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

14.13%

3-year · annualised

Sharpe ratio

0.30

vs risk-free 6.5%

Sortino ratio

0.46

Downside-only deviation

Max drawdown

-23.96%

Sep 2024 → Mar 2026

% positive months

63.9%

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 Sectoral/Thematic Fund

Scheme	Fund house	NAV	As of
HDFC Banking & Financial Services Fund - Growth Option	HDFC	₹18.4020	17 Jul 2026
Nippon India Japan Equity Fund- Growth Plan- Bonus Option	Nippon India	₹27.0439	17 Jul 2026
Magnum Equity Fund -Dividend	SBI	₹75.2678	17 Jul 2026
ICICI Prudential Active Momentum Fund - Growth	ICICI Prudential	₹10.7400	17 Jul 2026
Franklin Asian Equity Fund - Dividend Plan	Franklin Templeton	₹20.5340	17 Jul 2026
Franklin India Multi-Factor Fund- Growth	Franklin India	₹9.5442	17 Jul 2026
Kotak Infrastructure & Economic Reform Fund - Standard Plan-Growth	Kotak	₹68.7640	17 Jul 2026
Canara Robeco Infrastructure-DIVIDEND	Canara Robeco	₹64.5500	17 Jul 2026
UTI - MNC Fund (UGS 10000)-Growth Option	UTI	₹397.9086	17 Jul 2026
BANK OF INDIA Manufacturing & Infrastructure Fund-Growth	Bank of India	₹66.3400	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹49.7783
16 Jul 2026	₹49.6712
15 Jul 2026	₹49.6765
14 Jul 2026	₹49.5247
13 Jul 2026	₹49.8635
10 Jul 2026	₹50.0801
9 Jul 2026	₹49.8445
8 Jul 2026	₹49.5276
7 Jul 2026	₹50.4573
6 Jul 2026	₹50.4792

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 India Lifestyle Fund - Dividend Option is ₹49.7783. It's a Sectoral/Thematic Fund from UTI, run as a Unknown plan Growth option. NAVs update once per business day from the AMFI feed.

UTI India Lifestyle Fund - Dividend Option has NAV history starting from 29 Aug 2007, a track record of about 18 years 10 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 India Lifestyle Fund - Dividend Option is managed by UTI. It's classified by AMFI under the 'Sectoral/Thematic Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, UTI India Lifestyle Fund - Dividend Option has delivered a absolute return of -0.44% — -2.97 pp behind the Sectoral/Thematic Fund category average of 2.53%. The fund ranks #77 of 120 in its category — the third (Q3) quartile.

Over the trailing 3-year window, UTI India Lifestyle Fund - Dividend Option has delivered a CAGR of 10.34% — -3.38 pp behind the Sectoral/Thematic Fund category average of 13.72%. The fund ranks #82 of 114 in its category — the third (Q3) quartile.

Over the trailing 5-year window, UTI India Lifestyle Fund - Dividend Option has delivered a CAGR of 10.20% — -1.96 pp behind the Sectoral/Thematic Fund category average of 12.16%. The fund ranks #67 of 104 in its category — the third (Q3) quartile.

₹1 lakh invested in UTI India Lifestyle Fund - Dividend Option exactly 10 years ago would be worth approximately ₹258,783 today — a multiplier of 2.59×, based on the 10-year CAGR of 9.97%. The category average over the same window would have grown ₹1 lakh to ₹297,061.

A ₹10,000 monthly SIP in UTI India Lifestyle Fund - Dividend Option over the last 5 years — total invested ₹600,000 — would be worth ₹741,305 today. That's an XIRR (money-weighted annualised return) of 8.39%.

A ₹10,000 monthly SIP for 10 years in UTI India Lifestyle Fund - Dividend Option = ₹1,200,000 invested. It would currently be worth ₹2,021,464 (multiplier 1.68×). XIRR: 10.06%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, UTI India Lifestyle Fund - Dividend Option ranks #67 out of 104 funds in the Sectoral/Thematic Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 12.16%; this fund delivered 10.20%.

The worst peak-to-trough decline UTI India Lifestyle Fund - Dividend Option has experienced over the last 5-year window is 23.95% — its NAV fell from a high on 26 Sep 2024 to a low on 23 Mar 2026. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, UTI India Lifestyle Fund - Dividend Option averaged 10.95% (best 21.08%, worst 0.53%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.28 — weak risk-adjusted performance.

In calendar year 2025, UTI India Lifestyle Fund - Dividend Option returned 3.42% — beating the Sectoral/Thematic Fund category average of 3.20% by 0.23 pp. It ranked #45 of 115 in its category that year.

UTI India Lifestyle Fund - Dividend Option is classified as an Equity fund (at least 65% equity exposure). Tax rules (post Budget 2024): if you hold 12 months or more, gains are Long-Term and taxed at 12.5% on the amount exceeding ₹1.25 lakh per financial year. Held for under 12 months, gains are Short-Term and taxed at 20%. The ₹1.25 L exemption is per PAN per FY across all equity LTCG.

We don't give personal investment advice. UTI India Lifestyle Fund - Dividend Option is suitable for an investor whose:

time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a loss
risk tolerance accepts seeing the portfolio fall sharply without panic-selling
goal isn't capital preservation in the short term

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 24.0%. 5-year CAGR: 10.20%.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.