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 - Regular 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: 48.2%. 5-year CAGR: 14.46%.

UTI

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

Latest NAV

₹22.0771

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%	+0.26%	-0.03	22 / 39	Q3
1W	+0.71%	-1.20%	+1.91	3 / 39	Q1
2W	+1.52%	+0.29%	+1.23	4 / 39	Q1
1M	+6.11%	-0.80%	+6.91	2 / 39	Q1
3M	+8.92%	+1.50%	+7.41	9 / 39	Q1
6M	+24.13%	-1.37%	+25.50	1 / 39	Q1
YTD	+38.74%	-0.13%	+38.87	1 / 39	Q1
1Y	+76.54%	+7.59%	+68.95	3 / 39	Q1
2Y	+30.63%	+5.80%	+24.83	1 / 38	Q1
3Y	+18.32%	+13.52%	+4.80	3 / 38	Q1
4Y	+13.69%	+13.95%	-0.26	16 / 31	Q3
5Y	+14.46%	+14.19%	+0.28	11 / 27	Q2
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+15.48%	+12.52%	+2.96	8 / 39	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	+38.74%	+41.08%	-2.34	12 / 30
2020	+17.70%	+17.81%	-0.11	13 / 30
2019	+0.21%	+3.04%	-2.84	17 / 27
2018	-13.33%	-11.14%	-2.19	13 / 18
2017	+44.61%	+37.20%	+7.41	3 / 11
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

+14.76%

55 windows

min -35.7% · max 95.1%

69% positive

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

3-Year rolling

+4.41%

31 windows

min -10.8% · max 18.3%

71% positive

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

5-Year rolling

+13.49%

7 windows

min 12.2% · max 14.5%

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

0.52

vs risk-free 6.5%

Sortino ratio

0.69

Downside-only deviation

Max drawdown

-42.27%

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
SBI Long Term Advantage Fund - Series IV - Regular Plan - Growth	SBI	₹45.3372	3 Jun 2026
Quantum ELSS Tax Saver Fund - Regular Plan Growth Option	Quantum	₹115.4600	3 Jun 2026
Motilal Oswal ELSS Tax Saver Fund - Regular Plan - Growth Option	Motilal Oswal	₹53.7245	3 Jun 2026
Mirae Asset ELSS Tax Saver Fund - Regular Plan - Growth	Mirae Asset	₹48.1190	3 Jun 2026
Parag Parikh ELSS Tax Saver Fund- Regular Growth	Parag Parikh	₹28.8835	3 Jun 2026
HSBC ELSS Tax saver Fund - Regular Growth	HSBC	₹134.2196	3 Jun 2026
BARODA BNP PARIBAS ELSS Tax Saver Fund - Regular - Growth Option	Baroda BNP Paribas	₹94.7276	3 Jun 2026
PGIM India ELSS Tax Saver Fund - Regular Plan - Growth Option	PGIM India	₹32.4100	3 Jun 2026
Axis ELSS Tax Saver Fund - Regular Plan - Growth	Axis	₹91.0469	3 Jun 2026
360 ONE ELSS Tax Saver Nifty 50 Index Fund - Regular Plan - Growth	360 ONE	₹13.1353	3 Jun 2026

Recent NAVs

Date	NAV
24 Sep 2021	₹22.0771
23 Sep 2021	₹22.0257
22 Sep 2021	₹21.7475
21 Sep 2021	₹21.7078
20 Sep 2021	₹21.6499
17 Sep 2021	₹21.9216
16 Sep 2021	₹22.0112
15 Sep 2021	₹21.9716
14 Sep 2021	₹21.7930
13 Sep 2021	₹21.7410

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 - Regular Plan - Growth Option is ₹22.0771. It's a ELSS from UTI, run as a Regular plan Growth option. NAVs update once per business day from the AMFI feed.

UTI Long Term Advantage Fund Series III - Regular 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 - Regular 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 - Regular Plan - Growth Option has delivered a absolute return of 76.54% — +68.95 pp ahead of the ELSS category average of 7.59%. The fund ranks #3 of 39 in its category — the top (Q1) quartile.

Over the trailing 3-year window, UTI Long Term Advantage Fund Series III - Regular Plan - Growth Option has delivered a CAGR of 18.32% — +4.8 pp ahead of the ELSS category average of 13.52%. The fund ranks #3 of 38 in its category — the top (Q1) quartile.

Over the trailing 5-year window, UTI Long Term Advantage Fund Series III - Regular Plan - Growth Option has delivered a CAGR of 14.46% — +0.28 pp ahead of the ELSS category average of 14.19%. The fund ranks #11 of 27 in its category — the second (Q2) quartile.

₹1 lakh invested in UTI Long Term Advantage Fund Series III - Regular Plan - Growth Option exactly 5 years ago would be worth approximately ₹196,461 today — a multiplier of 1.96×, based on the 5-year CAGR of 14.46%. The category average over the same window would have grown ₹1 lakh to ₹194,111.

A ₹10,000 monthly SIP in UTI Long Term Advantage Fund Series III - Regular Plan - Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹990,958 today. That's an XIRR (money-weighted annualised return) of 20.14%.

UTI Long Term Advantage Fund Series III - Regular 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 ₹990,958 — XIRR 20.14%.

On a 5-year basis, UTI Long Term Advantage Fund Series III - Regular Plan - Growth Option ranks #11 out of 27 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 14.19%; this fund delivered 14.46%.

The worst peak-to-trough decline UTI Long Term Advantage Fund Series III - Regular Plan - Growth Option has experienced over the last 5-year window is 48.17% — 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 - Regular Plan - Growth Option averaged 13.49% (best 14.54%, worst 12.16%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.41 — weak risk-adjusted performance.

In calendar year 2020, UTI Long Term Advantage Fund Series III - Regular Plan - Growth Option returned 17.70% — lagging the ELSS category average of 17.81% by 0.11 pp. It ranked #13 of 30 in its category that year.

UTI Long Term Advantage Fund Series III - Regular 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 - Regular 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: 48.2%. 5-year CAGR: 14.46%.

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