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 - IDCW 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: 52.1%. 5-year CAGR: 13.24%.

UTI

UTI Long Term Advantage Fund Series III - Direct Plan - IDCW

Latest NAV

₹21.1683

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%	+0.12%	+0.12	29 / 76	Q2
1W	+0.71%	-1.31%	+2.03	4 / 76	Q1
2W	+1.52%	+0.08%	+1.44	6 / 76	Q1
1M	+6.12%	-0.99%	+7.11	2 / 76	Q1
3M	+8.96%	-0.23%	+9.19	9 / 76	Q1
6M	+24.22%	-4.25%	+28.48	1 / 76	Q1
YTD	+38.90%	-3.63%	+42.53	1 / 76	Q1
1Y	+76.80%	+1.70%	+75.10	3 / 76	Q1
2Y	+30.84%	+3.10%	+27.74	1 / 75	Q1
3Y	+18.66%	+10.95%	+7.70	4 / 75	Q1
4Y	+11.59%	+11.02%	+0.57	24 / 69	Q2
5Y	+13.24%	+10.65%	+2.59	16 / 65	Q1
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+14.60%	+10.74%	+3.86	11 / 76	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%	+33.28%	+5.62	13 / 68
2020	+17.89%	+13.91%	+3.99	20 / 68
2019	+0.51%	+5.99%	-5.48	50 / 66
2018	-20.34%	-7.59%	-12.75	51 / 56
2017	+47.32%	+29.87%	+17.45	2 / 50
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

+13.48%

55 windows

min -35.6% · max 95.4%

64% positive

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

3-Year rolling

+3.00%

31 windows

min -12.8% · max 18.7%

61% positive

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

5-Year rolling

+12.40%

7 windows

min 11.2% · max 13.4%

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 - IDCW Option - Direct Plan	HDFC	₹88.8430	3 Jun 2026
NIPPON INDIA ELSS TAX SAVER FUND - DIRECT Plan - ANNUAL IDCW Option	Nippon India	₹21.9652	3 Jun 2026
SBI ELSS Tax Saver Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹113.4965	3 Jun 2026
ICICI Prudential ELSS Tax Saver Fund - Direct Plan - IDCW	ICICI Prudential	₹43.2500	3 Jun 2026
Invesco India ELSS Tax Saver Fund - Direct Plan - IDCW Payout	Invesco	₹30.0200	3 Jun 2026
BANDHAN ELSS Tax Saver Fund - Direct Plan - IDCW	Bandhan	₹40.0710	3 Jun 2026
quant ELSS Tax Saver Fund - IDCW Option - Direct Plan	Quant	₹59.0826	3 Jun 2026
Aditya Birla Sun Life ELSS Tax Saver Fund-DIRECT - IDCW	Aditya Birla Sun Life	₹417.8400	3 Jun 2026
Motilal Oswal ELSS Tax Saver Fund Direct - IDCW Payout	Motilal Oswal	₹38.4424	3 Jun 2026
Franklin India ELSS Tax Saver Fund - Direct - IDCW	Franklin India	₹67.3238	3 Jun 2026

Recent NAVs

Date	NAV
24 Sep 2021	₹21.1683
23 Sep 2021	₹21.1189
22 Sep 2021	₹20.8520
21 Sep 2021	₹20.8139
20 Sep 2021	₹20.7583
17 Sep 2021	₹21.0185
16 Sep 2021	₹21.1044
15 Sep 2021	₹21.0664
14 Sep 2021	₹20.8950
13 Sep 2021	₹20.8451

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 - IDCW is ₹21.1683. It's a ELSS from UTI, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

UTI Long Term Advantage Fund Series III - Direct Plan - IDCW 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 - IDCW 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 - IDCW has delivered a absolute return of 76.80% — +75.1 pp ahead of the ELSS category average of 1.70%. The fund ranks #3 of 76 in its category — the top (Q1) quartile.

Over the trailing 3-year window, UTI Long Term Advantage Fund Series III - Direct Plan - IDCW has delivered a CAGR of 18.66% — +7.7 pp ahead of the ELSS category average of 10.95%. The fund ranks #4 of 75 in its category — the top (Q1) quartile.

Over the trailing 5-year window, UTI Long Term Advantage Fund Series III - Direct Plan - IDCW has delivered a CAGR of 13.24% — +2.59 pp ahead of the ELSS category average of 10.65%. The fund ranks #16 of 65 in its category — the top (Q1) quartile.

₹1 lakh invested in UTI Long Term Advantage Fund Series III - Direct Plan - IDCW exactly 5 years ago would be worth approximately ₹186,204 today — a multiplier of 1.86×, based on the 5-year CAGR of 13.24%. The category average over the same window would have grown ₹1 lakh to ₹165,837.

A ₹10,000 monthly SIP in UTI Long Term Advantage Fund Series III - Direct Plan - IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹976,134 today. That's an XIRR (money-weighted annualised return) of 19.52%.

UTI Long Term Advantage Fund Series III - Direct Plan - IDCW doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹976,134 — XIRR 19.52%.

On a 5-year basis, UTI Long Term Advantage Fund Series III - Direct Plan - IDCW ranks #16 out of 65 funds in the ELSS category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 10.65%; this fund delivered 13.24%.

The worst peak-to-trough decline UTI Long Term Advantage Fund Series III - Direct Plan - IDCW has experienced over the last 5-year window is 52.08% — its NAV fell from a high on 09 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 - IDCW averaged 12.40% (best 13.44%, worst 11.20%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.37 — weak risk-adjusted performance.

In calendar year 2020, UTI Long Term Advantage Fund Series III - Direct Plan - IDCW returned 17.89% — beating the ELSS category average of 13.91% by 3.99 pp. It ranked #20 of 68 in its category that year.

UTI Long Term Advantage Fund Series III - Direct Plan - IDCW 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 - IDCW 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: 52.1%. 5-year CAGR: 13.24%.

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