Should I invest in UTI Long Term Advantage Fund?

We don't give personal investment advice. UTI Long Term Advantage 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: 22.4%. 5-year CAGR: 11.74%.

UTI

UTI Long Term Advantage Fund - Dividend Option

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	+0.01%	-1.86%	+1.87	47 / 90	Q3
1W	+0.08%	-3.45%	+3.53	30 / 87	Q2
2W	-0.98%	-4.75%	+3.77	27 / 87	Q2
1M	+1.06%	-5.79%	+6.85	9 / 87	Q1
3M	+12.40%	-4.65%	+17.05	1 / 87	Q1
6M	+6.87%	-3.61%	+10.48	19 / 89	Q1
YTD	+11.02%	-5.38%	+16.40	13 / 89	Q1
1Y	+21.12%	+0.15%	+20.98	11 / 87	Q1
2Y	+1.58%	-0.30%	+1.88	34 / 86	Q2
3Y	+12.80%	+5.90%	+6.89	32 / 81	Q2
4Y	+13.37%	+8.17%	+5.19	31 / 78	Q2
5Y	+11.74%	+6.75%	+4.99	24 / 77	Q2
7Y	+7.37%	+8.81%	-1.44	58 / 75	Q4
10Y	+7.30%	+8.08%	-0.78	48 / 69	Q3
Inception	+7.34%	+5.84%	+1.49	49 / 91	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
2017 YTD	+11.02%	+29.95%	-18.93	61 / 65
2016	-5.70%	-0.31%	-5.39	55 / 70
2015	+1.45%	-1.16%	+2.61	9 / 24
2014	+43.55%	+42.05%	+1.51	13 / 27
2013	+0.78%	+2.38%	-1.61	20 / 27
2012	+30.48%	+28.66%	+1.82	7 / 27
2011	-26.70%	-28.62%	+1.92	14 / 25
2010	+14.20%	+14.25%	-0.05	18 / 30
2009	+79.46%	+64.74%	+14.72	7 / 25
2008	-57.17%	-57.48%	+0.31	9 / 18
2007	—	—	—	—

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

+8.98%

110 windows

min -58.2% · max 108.1%

58% positive

3-Year rolling

+9.47%

85 windows

min -4.3% · max 24.5%

89% positive

5-Year rolling

+7.97%

61 windows

min -2.5% · max 17.8%

95% positive

7-Year rolling

+9.10%

37 windows

min 3.2% · max 17.3%

100% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

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

13.64%

3-year · annualised

Sharpe ratio

0.48

vs risk-free 6.5%

Sortino ratio

0.80

Downside-only deviation

Max drawdown

-22.35%

Aug 2015 → Mar 2016

% 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 ELSS

Scheme	Fund house	NAV	As of
HDFC TaxSaver-Dividend Plan	HDFC	₹63.4950	10 Jun 2026
NIPPON INDIA ELSS TAX SAVER FUND - ANNUAL IDCW Option	Nippon India	₹19.8315	10 Jun 2026
SBI MAGNUM TAXGAIN SCHEME 1993 - DIVIDEND	SBI	₹84.7997	10 Jun 2026
ICICI Prudential Long Term Wealth Enhancement Fund - IDCW Option	ICICI Prudential	₹27.2000	10 Jun 2026
Quantum Tax Saving Fund - Dividend	Quantum	₹120.2000	10 Jun 2026
Motilal Oswal ELSS Tax Saver Fund - IDCW Payout	Motilal Oswal	₹29.4537	10 Jun 2026
Franklin India Taxshield-Dividend	Franklin Templeton	₹57.5323	10 Jun 2026
Kotak Tax Saver-Scheme-Dividend	Kotak Mahindra	₹41.0930	10 Jun 2026
EDELWEISS ELSS FUND - Dividend Option	Edelweiss	₹29.0400	10 Jun 2026
DSP BlackRock Tax Saver Fund - Dividend	DSP BlackRock	₹21.2240	10 Jun 2026

Recent NAVs

Date	NAV
30 Mar 2017	₹20.3795
29 Mar 2017	₹20.3779
28 Mar 2017	₹20.3759
27 Mar 2017	₹20.3742
24 Mar 2017	₹20.3727
23 Mar 2017	₹20.3628
22 Mar 2017	₹20.3617
21 Mar 2017	₹20.4328
20 Mar 2017	₹20.4473
17 Mar 2017	₹20.5544

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 Long Term Advantage Fund - Dividend Option is a ELSS from UTI (Unknown plan, IDCW (dividend) option). Latest NAV isn't currently available in our feed — the AMC publishes it once per business day after market close.

UTI Long Term Advantage Fund - Dividend Option has NAV history starting from 17 Apr 2007, a track record of about 19 years 1 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 Long Term Advantage Fund - Dividend Option is managed by UTI. It's classified by AMFI under the 'ELSS' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, UTI Long Term Advantage Fund - Dividend Option has delivered a absolute return of 21.12% — +20.98 pp ahead of the ELSS category average of 0.15%. The fund ranks #11 of 87 in its category — the top (Q1) quartile.

Over the trailing 3-year window, UTI Long Term Advantage Fund - Dividend Option has delivered a CAGR of 12.80% — +6.89 pp ahead of the ELSS category average of 5.90%. The fund ranks #32 of 81 in its category — the second (Q2) quartile.

Over the trailing 5-year window, UTI Long Term Advantage Fund - Dividend Option has delivered a CAGR of 11.74% — +4.99 pp ahead of the ELSS category average of 6.75%. The fund ranks #24 of 77 in its category — the second (Q2) quartile.

₹1 lakh invested in UTI Long Term Advantage Fund - Dividend Option exactly 10 years ago would be worth approximately ₹202,378 today — a multiplier of 2.02×, based on the 10-year CAGR of 7.30%. The category average over the same window would have grown ₹1 lakh to ₹217,539.

A ₹10,000 monthly SIP in UTI Long Term Advantage Fund - Dividend Option over the last 5 years — total invested ₹600,000 — would be worth ₹798,056 today. That's an XIRR (money-weighted annualised return) of 11.35%.

UTI Long Term Advantage Fund - Dividend Option doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,201,232 — XIRR 10.04%.

On a 5-year basis, UTI Long Term Advantage Fund - Dividend Option ranks #24 out of 77 funds in the ELSS category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 6.75%; this fund delivered 11.74%.

The worst peak-to-trough decline UTI Long Term Advantage Fund - Dividend Option has experienced over the last 5-year window is 22.35% — its NAV fell from a high on 06 Aug 2015 to a low on 04 Mar 2016. 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 Long Term Advantage Fund - Dividend Option averaged 7.97% (best 17.79%, worst -2.50%). 95% of rolling windows ended positive. The 5-year Sharpe ratio is 0.40 — weak risk-adjusted performance.

In calendar year 2016, UTI Long Term Advantage Fund - Dividend Option returned -5.70% — lagging the ELSS category average of -0.31% by 5.39 pp. It ranked #55 of 70 in its category that year.

UTI Long Term Advantage 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 Long Term Advantage 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: 22.4%. 5-year CAGR: 11.74%.

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