Should I invest in UTI-Long Term Advantage Fund Series-II?

We don't give personal investment advice. UTI-Long Term Advantage Fund Series-II - 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: 21.0%. 5-year CAGR: 14.23%.

UTI

UTI-Long Term Advantage Fund Series-II - 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	+0.00%	-1.86%	+1.86	65 / 90	Q3
1W	+0.13%	-3.45%	+3.58	24 / 87	Q2
2W	-0.59%	-4.75%	+4.17	23 / 87	Q2
1M	-2.46%	-5.79%	+3.33	60 / 87	Q3
3M	-5.37%	-4.65%	-0.72	66 / 87	Q4
6M	+5.06%	-3.61%	+8.67	20 / 89	Q1
YTD	-5.37%	-5.38%	+0.01	36 / 89	Q2
1Y	+10.69%	+0.15%	+10.54	20 / 87	Q1
2Y	+17.39%	-0.30%	+17.69	14 / 86	Q1
3Y	+5.72%	+5.90%	-0.19	66 / 81	Q4
4Y	+13.47%	+8.17%	+5.30	27 / 78	Q2
5Y	+14.23%	+6.75%	+7.49	12 / 77	Q1
7Y	+10.04%	+8.81%	+1.23	40 / 75	Q3
10Y	+10.96%	+8.08%	+2.88	32 / 69	Q2
Inception	+10.99%	+5.84%	+5.15	31 / 91	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
2018 YTD	-5.37%	-9.68%	+4.31	20 / 61
2017	+33.41%	+29.95%	+3.46	28 / 65
2016	-4.22%	-0.31%	-3.91	50 / 70
2015	+1.51%	-1.16%	+2.67	8 / 24
2014	+43.97%	+42.05%	+1.92	11 / 27
2013	+4.38%	+2.38%	+1.99	11 / 27
2012	+29.38%	+28.66%	+0.71	12 / 27
2011	-22.92%	-28.62%	+5.71	12 / 25
2010	+18.34%	+14.25%	+4.08	16 / 30
2009	+71.14%	+64.74%	+6.40	15 / 25
2008	—	—	—	—

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

+16.59%

110 windows

min -21.4% · max 83.8%

76% positive

3-Year rolling

+12.20%

85 windows

min -2.1% · max 25.4%

96% positive

5-Year rolling

+12.53%

61 windows

min 7.2% · max 17.7%

100% positive

7-Year rolling

+12.04%

37 windows

min 8.0% · max 17.4%

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

12.66%

3-year · annualised

Sharpe ratio

-0.01

vs risk-free 6.5%

Sortino ratio

-0.01

Downside-only deviation

Max drawdown

-21.04%

Aug 2015 → Mar 2016

% positive months

58.3%

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
2 Apr 2018	₹28.3700
28 Mar 2018	₹28.3531
27 Mar 2018	₹28.3344
26 Mar 2018	₹28.3322
23 Mar 2018	₹28.3326
22 Mar 2018	₹28.5276
21 Mar 2018	₹28.5734
20 Mar 2018	₹28.5445
19 Mar 2018	₹28.5372
16 Mar 2018	₹28.6664

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 Series-II - 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 Series-II - Dividend Option has NAV history starting from 15 Apr 2008, a track record of about 18 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 Series-II - 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 Series-II - Dividend Option has delivered a absolute return of 10.69% — +10.54 pp ahead of the ELSS category average of 0.15%. The fund ranks #20 of 87 in its category — the top (Q1) quartile.

Over the trailing 3-year window, UTI-Long Term Advantage Fund Series-II - Dividend Option has delivered a CAGR of 5.72% — -0.19 pp behind the ELSS category average of 5.90%. The fund ranks #66 of 81 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, UTI-Long Term Advantage Fund Series-II - Dividend Option has delivered a CAGR of 14.23% — +7.49 pp ahead of the ELSS category average of 6.75%. The fund ranks #12 of 77 in its category — the top (Q1) quartile.

₹1 lakh invested in UTI-Long Term Advantage Fund Series-II - Dividend Option exactly 10 years ago would be worth approximately ₹282,852 today — a multiplier of 2.83×, based on the 10-year CAGR of 10.96%. 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 Series-II - Dividend Option over the last 5 years — total invested ₹600,000 — would be worth ₹810,336 today. That's an XIRR (money-weighted annualised return) of 11.96%.

UTI-Long Term Advantage Fund Series-II - 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 ₹1,304,288 — XIRR 12.35%.

On a 5-year basis, UTI-Long Term Advantage Fund Series-II - Dividend Option ranks #12 out of 77 funds in the ELSS category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 6.75%; this fund delivered 14.23%.

The worst peak-to-trough decline UTI-Long Term Advantage Fund Series-II - Dividend Option has experienced over the last 5-year window is 21.04% — 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 Series-II - Dividend Option averaged 12.53% (best 17.75%, worst 7.25%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.55 — reasonable risk-adjusted performance.

In calendar year 2017, UTI-Long Term Advantage Fund Series-II - Dividend Option returned 33.41% — beating the ELSS category average of 29.95% by 3.46 pp. It ranked #28 of 65 in its category that year.

UTI-Long Term Advantage Fund Series-II - 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 Series-II - 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: 21.0%. 5-year CAGR: 14.23%.

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