Should I invest in UTI Long Term Advantage Fund Series III?

We don't give personal investment advice. UTI Long Term Advantage Fund Series III - Direct Plan - Growth 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: 47.4%. 5-year CAGR: 15.43%.

UTI

UTI Long Term Advantage Fund Series III - Direct Plan - Growth Option

Latest NAV

₹23.2926

As of

24 Sep 2021

1,353 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	+0.23%	+0.24%	-0.01	31 / 59	Q3
1W	+0.71%	-1.27%	+1.99	4 / 59	Q1
2W	+1.52%	+0.30%	+1.22	6 / 59	Q1
1M	+6.12%	-0.87%	+6.99	2 / 59	Q1
3M	+8.96%	+0.83%	+8.13	10 / 59	Q1
6M	+24.22%	-2.14%	+26.36	1 / 59	Q1
YTD	+38.90%	-1.56%	+40.45	1 / 59	Q1
1Y	+76.80%	+5.96%	+70.84	3 / 59	Q1
2Y	+30.84%	+5.58%	+25.26	1 / 58	Q1
3Y	+18.66%	+14.58%	+4.08	6 / 58	Q1
4Y	+14.29%	+14.85%	-0.56	28 / 51	Q3
5Y	+15.43%	+14.46%	+0.96	15 / 47	Q2
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+16.61%	+14.13%	+2.48	12 / 59	Q1

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
2021 YTD	+38.90%	+39.32%	-0.42	15 / 50
2020	+17.89%	+18.42%	-0.53	24 / 50
2019	+0.51%	+6.48%	-5.97	38 / 47
2018	-12.35%	-7.38%	-4.97	30 / 37
2017	+47.32%	+38.27%	+9.06	4 / 31
2016	—	—	—	—

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

+15.81%

55 windows

min -35.6% · max 95.4%

69% positive

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

3-Year rolling

+5.30%

31 windows

min -10.0% · max 18.7%

81% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

+14.57%

7 windows

min 13.3% · max 15.6%

100% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

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

31.20%

3-year · annualised

Sharpe ratio

0.53

vs risk-free 6.5%

Sortino ratio

0.70

Downside-only deviation

Max drawdown

-42.20%

May 2019 → Mar 2020

% positive months

69.4%

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 ELSS Tax saver - Growth Option - Direct Plan	HDFC	₹1,421.3430	3 Jun 2026
Nippon India ELSS Tax Saver Fund - Direct Plan Growth Plan - Growth Option	Nippon India	₹140.6038	3 Jun 2026
SBI ELSS Tax Saver FUND - DIRECT PLAN -GROWTH	SBI	₹458.2222	3 Jun 2026
ICICI Prudential ELSS Tax Saver Fund - Direct Plan - Growth	ICICI Prudential	₹990.7700	3 Jun 2026
Invesco India ELSS Tax Saver Fund - Direct Plan - Growth	Invesco	₹138.0800	3 Jun 2026
BANDHAN ELSS Tax Saver Fund - Direct Plan - Growth	Bandhan	₹173.1540	3 Jun 2026
quant ELSS Tax Saver Fund - Growth Option - Direct Plan	Quant	₹443.2149	3 Jun 2026
Aditya Birla Sun Life ELSS Tax Saver Fund - Growth - Direct Plan	Aditya Birla Sun Life	₹66.4800	3 Jun 2026
Motilal Oswal ELSS Tax Saver Fund - Direct Plan - Growth Option	Motilal Oswal	₹62.1822	3 Jun 2026
Franklin India ELSS Tax Saver Fund - Direct - Growth	Franklin India	₹1,537.4743	3 Jun 2026

Recent NAVs

Date	NAV
24 Sep 2021	₹23.2926
23 Sep 2021	₹23.2383
22 Sep 2021	₹22.9446
21 Sep 2021	₹22.9027
20 Sep 2021	₹22.8415
17 Sep 2021	₹23.1279
16 Sep 2021	₹23.2223
15 Sep 2021	₹23.1805
14 Sep 2021	₹22.9920
13 Sep 2021	₹22.9370

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 24 Sep 2021, the NAV of UTI Long Term Advantage Fund Series III - Direct Plan - Growth Option is ₹23.2926. It's a ELSS from UTI, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

UTI Long Term Advantage Fund Series III - Direct Plan - Growth Option has NAV history starting from 31 Mar 2016, a track record of about 10 years 2 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

UTI Long Term Advantage Fund Series III - Direct Plan - Growth 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 III - Direct Plan - Growth Option has delivered a absolute return of 76.80% — +70.84 pp ahead of the ELSS category average of 5.96%. The fund ranks #3 of 59 in its category — the top (Q1) quartile.

Over the trailing 3-year window, UTI Long Term Advantage Fund Series III - Direct Plan - Growth Option has delivered a CAGR of 18.66% — +4.08 pp ahead of the ELSS category average of 14.58%. The fund ranks #6 of 58 in its category — the top (Q1) quartile.

Over the trailing 5-year window, UTI Long Term Advantage Fund Series III - Direct Plan - Growth Option has delivered a CAGR of 15.43% — +0.96 pp ahead of the ELSS category average of 14.46%. The fund ranks #15 of 47 in its category — the second (Q2) quartile.

₹1 lakh invested in UTI Long Term Advantage Fund Series III - Direct Plan - Growth Option exactly 5 years ago would be worth approximately ₹204,891 today — a multiplier of 2.05×, based on the 5-year CAGR of 15.43%. The category average over the same window would have grown ₹1 lakh to ₹196,497.

A ₹10,000 monthly SIP in UTI Long Term Advantage Fund Series III - Direct Plan - Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹1,002,819 today. That's an XIRR (money-weighted annualised return) of 20.63%.

UTI Long Term Advantage Fund Series III - Direct Plan - Growth Option doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹1,002,819 — XIRR 20.63%.

On a 5-year basis, UTI Long Term Advantage Fund Series III - Direct Plan - Growth Option ranks #15 out of 47 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 14.46%; this fund delivered 15.43%.

The worst peak-to-trough decline UTI Long Term Advantage Fund Series III - Direct Plan - Growth Option has experienced over the last 5-year window is 47.43% — its NAV fell from a high on 15 Jan 2018 to a low on 23 Mar 2020. 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 III - Direct Plan - Growth Option averaged 14.57% (best 15.63%, worst 13.35%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.44 — weak risk-adjusted performance.

In calendar year 2020, UTI Long Term Advantage Fund Series III - Direct Plan - Growth Option returned 17.89% — lagging the ELSS category average of 18.42% by 0.53 pp. It ranked #24 of 50 in its category that year.

UTI Long Term Advantage Fund Series III - Direct Plan - Growth 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 III - Direct Plan - Growth 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: 47.4%. 5-year CAGR: 15.43%.

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