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: 9.94%.

UTI

UTI India Lifestyle Fund - Dividend Option

Latest NAV

₹46.9488

As of

3 Jun 2026

4,614 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	+0.73%	+0.28%	+0.45	16 / 122	Q1
1W	-1.78%	-1.28%	-0.50	75 / 122	Q3
2W	-0.90%	+0.09%	-0.99	84 / 122	Q3
1M	-2.42%	-0.62%	-1.80	85 / 122	Q3
3M	-2.37%	+1.50%	-3.87	89 / 122	Q3
6M	-10.10%	-2.06%	-8.04	100 / 122	Q4
YTD	-9.24%	-1.85%	-7.39	98 / 122	Q4
1Y	-3.78%	+2.44%	-6.22	87 / 119	Q3
2Y	+0.89%	+3.47%	-2.58	69 / 116	Q3
3Y	+9.61%	+14.90%	-5.28	89 / 112	Q4
4Y	+10.46%	+14.65%	-4.20	82 / 105	Q4
5Y	+9.94%	+12.36%	-2.42	73 / 104	Q3
7Y	+10.23%	+13.76%	-3.53	76 / 99	Q4
10Y	+9.90%	+11.67%	-1.77	66 / 93	Q3
Inception	+8.58%	+10.81%	-2.22	82 / 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	-9.24%	-2.01%	-7.22	94 / 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

+11.52%

217 windows

min -48.1% · max 73.5%

75% positive

3-Year rolling

+11.24%

193 windows

min -2.8% · max 28.5%

99% positive

5-Year rolling

+10.92%

168 windows

min -1.2% · max 23.6%

99% positive

7-Year rolling

+10.47%

144 windows

min 6.0% · max 17.7%

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

15.39%

3-year · annualised

Sharpe ratio

0.26

vs risk-free 6.5%

Sortino ratio

0.36

Downside-only deviation

Max drawdown

-23.96%

Sep 2024 → Mar 2026

% 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 Sectoral/Thematic Fund

Scheme	Fund house	NAV	As of
HDFC Banking & Financial Services Fund - Growth Option	HDFC	₹16.8310	3 Jun 2026
Nippon India Japan Equity Fund- Growth Plan- Bonus Option	Nippon India	₹27.7005	3 Jun 2026
Magnum Equity Fund -Dividend	SBI	₹71.4772	3 Jun 2026
ICICI Prudential Active Momentum Fund - Growth	ICICI Prudential	₹10.5700	3 Jun 2026
Franklin Asian Equity Fund - Dividend Plan	Franklin Templeton	₹21.5824	3 Jun 2026
Franklin India Multi-Factor Fund- Growth	Franklin India	₹9.2801	3 Jun 2026
Kotak Infrastructure & Economic Reform Fund - Standard Plan-Growth	Kotak	₹67.0980	3 Jun 2026
Canara Robeco Infrastructure-DIVIDEND	Canara Robeco	₹64.3200	3 Jun 2026
UTI - MNC Fund (UGS 10000)-Growth Option	UTI	₹382.6597	3 Jun 2026
BANK OF INDIA Manufacturing & Infrastructure Fund-Growth	Bank of India	₹62.7500	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹46.9488
2 Jun 2026	₹47.0836
1 Jun 2026	₹46.7417
29 May 2026	₹47.3265
27 May 2026	₹48.1627
26 May 2026	₹47.9347
25 May 2026	₹48.0552
22 May 2026	₹47.5777
21 May 2026	₹47.4651
20 May 2026	₹47.5290

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 India Lifestyle Fund - Dividend Option is ₹46.9488. 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 9 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 -3.78% — -6.22 pp behind the Sectoral/Thematic Fund category average of 2.44%. The fund ranks #87 of 119 in its category — the third (Q3) quartile.

Over the trailing 3-year window, UTI India Lifestyle Fund - Dividend Option has delivered a CAGR of 9.61% — -5.28 pp behind the Sectoral/Thematic Fund category average of 14.90%. The fund ranks #89 of 112 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, UTI India Lifestyle Fund - Dividend Option has delivered a CAGR of 9.94% — -2.42 pp behind the Sectoral/Thematic Fund category average of 12.36%. The fund ranks #73 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 ₹256,928 today — a multiplier of 2.57×, based on the 10-year CAGR of 9.90%. The category average over the same window would have grown ₹1 lakh to ₹301,430.

A ₹10,000 monthly SIP in UTI India Lifestyle Fund - Dividend Option over the last 5 years — total invested ₹600,000 — would be worth ₹710,696 today. That's an XIRR (money-weighted annualised return) of 6.70%.

A ₹10,000 monthly SIP for 10 years in UTI India Lifestyle Fund - Dividend Option = ₹1,200,000 invested. It would currently be worth ₹1,932,381 (multiplier 1.61×). XIRR: 9.21%. 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 #73 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 12.36%; this fund delivered 9.94%.

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 10.92% (best 23.57%, worst -1.18%). 99% of rolling windows ended positive. The 5-year Sharpe ratio is 0.29 — 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: 9.94%.

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