Should I invest in UTI Long Duration Fund?

We don't give personal investment advice. UTI Long Duration Fund - 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 Long Duration Fund - Regular Plan - Growth Option

Latest NAV

₹12.0122

As of

17 Jul 2026

801 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	-0.17%	-0.17%	+0.01	3 / 7	Q2
1W	-0.45%	-0.55%	+0.11	2 / 7	Q2
2W	-0.41%	-0.56%	+0.15	1 / 7	Q1
1M	+1.29%	+1.69%	-0.40	7 / 7	Q4
3M	+2.25%	+2.63%	-0.39	6 / 7	Q4
6M	+2.35%	+3.05%	-0.70	7 / 7	Q4
YTD	+1.61%	+2.31%	-0.71	7 / 7	Q4
1Y	+0.50%	+1.65%	-1.15	7 / 7	Q4
2Y	+3.24%	+4.45%	-1.21	6 / 6	Q4
3Y	+4.95%	+5.78%	-0.83	4 / 4	Q4
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+5.61%	+5.69%	-0.08	5 / 7	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	+1.61%	+2.31%	-0.71	7 / 7
2025	+2.05%	+3.23%	-1.17	7 / 7
2024	+10.56%	+11.07%	-0.51	4 / 4
2023	—	—	—	—

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

+5.50%

29 windows

min -4.6% · max 12.4%

86% positive

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

3-Year rolling

+4.82%

5 windows

min 3.9% · max 5.5%

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

4.28%

3-year · annualised

Sharpe ratio

-0.35

vs risk-free 6.5%

Sortino ratio

-0.57

Downside-only deviation

Max drawdown

-6.43%

May 2025 → Apr 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 Long Duration Fund

Scheme	Fund house	NAV	As of
SBI Long Duration Fund - Regular Plan - Growth	SBI	₹12.6272	17 Jul 2026
Bandhan Long Duration Fund - Regular Plan - Growth	Bandhan	₹11.4026	17 Jul 2026
Aditya Birla Sun Life Long Duration Fund-Regular Growth	Aditya Birla Sun Life	₹13.1413	17 Jul 2026
Mirae Asset Long Duration Fund - Regular Plan - Growth	Mirae Asset	₹10.5109	17 Jul 2026
Kotak Long Duration Fund - Regular Plan - Growth	Kotak	₹11.2507	17 Jul 2026
Axis Long Duration Fund - Regular Plan - Growth	Axis	₹1,252.6007	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹12.0122
16 Jul 2026	₹12.0321
15 Jul 2026	₹12.0140
14 Jul 2026	₹12.0043
13 Jul 2026	₹12.0507
10 Jul 2026	₹12.0660
9 Jul 2026	₹12.0442
8 Jul 2026	₹12.0333
7 Jul 2026	₹12.0707
6 Jul 2026	₹12.0697

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 Long Duration Fund - Regular Plan - Growth Option is ₹12.0122. It's a Long Duration Fund from UTI, run as a Regular plan Growth option. NAVs update once per business day from the AMFI feed.

UTI Long Duration Fund - Regular Plan - Growth Option has NAV history starting from 21 Mar 2023, a track record of about 3 years 3 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 Long Duration Fund - Regular Plan - Growth Option is managed by UTI. It's classified by AMFI under the 'Long Duration Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, UTI Long Duration Fund - Regular Plan - Growth Option has delivered a absolute return of 0.50% — -1.15 pp behind the Long Duration Fund category average of 1.65%. The fund ranks #7 of 7 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, UTI Long Duration Fund - Regular Plan - Growth Option has delivered a CAGR of 4.95% — -0.83 pp behind the Long Duration Fund category average of 5.78%. The fund ranks #4 of 4 in its category — the bottom (Q4) quartile.

UTI Long Duration Fund - 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 Long Duration Fund - Regular Plan - Growth Option exactly 3 years ago would be worth approximately ₹115,592 today — a multiplier of 1.16×, based on the 3-year CAGR of 4.95%. The category average over the same window would have grown ₹1 lakh to ₹118,366.

A ₹10,000 monthly SIP in UTI Long Duration Fund - Regular Plan - Growth Option over the last 3 years — total invested ₹360,000 — would be worth ₹381,290 today. That's an XIRR (money-weighted annualised return) of 3.77%.

UTI Long Duration Fund - 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 ₹381,290 — XIRR 3.77%.

On a 3-year basis, UTI Long Duration Fund - Regular Plan - Growth Option ranks #4 out of 4 funds in the Long Duration Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 5.78%; this fund delivered 4.95%.

The worst peak-to-trough decline UTI Long Duration Fund - Regular Plan - Growth Option has experienced over the last 3-year window is 6.43% — its NAV fell from a high on 16 May 2025 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 Long Duration Fund - Regular Plan - Growth Option averaged 4.82% (best 5.50%, worst 3.87%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is -0.35 — negative risk-adjusted performance.

In calendar year 2025, UTI Long Duration Fund - Regular Plan - Growth Option returned 2.05% — lagging the Long Duration Fund category average of 3.23% by 1.17 pp. It ranked #7 of 7 in its category that year.

UTI Long Duration Fund - 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 Long Duration Fund - 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.