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 - 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: 52.9%. 5-year CAGR: 12.21%.

UTI

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

Latest NAV

₹19.9881

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%	+0.08%	+0.15	20 / 54	Q2
1W	+0.71%	-1.32%	+2.03	3 / 54	Q1
2W	+1.52%	-0.04%	+1.55	3 / 54	Q1
1M	+6.11%	-1.07%	+7.18	2 / 54	Q1
3M	+8.92%	+0.01%	+8.91	8 / 54	Q1
6M	+24.13%	-3.68%	+27.80	1 / 54	Q1
YTD	+38.74%	-2.63%	+41.37	1 / 54	Q1
1Y	+76.54%	+2.41%	+74.13	3 / 54	Q1
2Y	+30.63%	+3.07%	+27.56	1 / 53	Q1
3Y	+18.32%	+9.94%	+8.38	2 / 53	Q1
4Y	+10.90%	+10.02%	+0.88	18 / 47	Q2
5Y	+12.21%	+10.19%	+2.02	15 / 43	Q2
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+13.41%	+9.79%	+3.62	10 / 54	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%	+33.70%	+5.04	12 / 46
2020	+17.70%	+14.03%	+3.66	12 / 46
2019	+0.21%	+5.87%	-5.67	34 / 44
2018	-21.53%	-7.23%	-14.30	30 / 35
2017	+44.61%	+27.76%	+16.86	2 / 28
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

+12.38%

55 windows

min -35.7% · max 95.1%

62% positive

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

3-Year rolling

+2.05%

31 windows

min -13.8% · max 18.3%

58% positive

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

5-Year rolling

+11.26%

7 windows

min 10.0% · max 12.3%

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 - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹38.4097	3 Jun 2026
Quantum ELSS Tax Saver Fund - Regular Plan IDCW	Quantum	₹114.6800	3 Jun 2026
Mirae Asset ELSS Tax Saver Fund - Regular Plan - IDCW	Mirae Asset	₹21.5970	3 Jun 2026
HSBC ELSS Tax saver Fund - Regular IDCW Payout	HSBC	₹25.8533	3 Jun 2026
BARODA BNP PARIBAS ELSS Tax Saver Fund- Regular - IDCW Option	Baroda BNP Paribas	₹20.8212	3 Jun 2026
PGIM India ELSS Tax Saver Fund - Regular Plan - Dividend Option	PGIM India	₹15.4900	3 Jun 2026
Axis ELSS Tax Saver Fund - Regular Plan - IDCW	Axis	₹22.2921	3 Jun 2026
360 ONE ELSS Tax Saver Nifty 50 Index Fund - Regular Plan - IDCW Payout	360 ONE	₹13.1353	3 Jun 2026
BAJAJ FINSERV ELSS TAX SAVER FUND - REGULAR - IDCW	Bajaj Finserv	₹11.0910	3 Jun 2026
BANK OF INDIA Mid Cap Tax Fund Series 1 Regular Plan IDCW	Bank of India	₹28.1500	3 Jun 2026

Recent NAVs

Date	NAV
24 Sep 2021	₹19.9881
23 Sep 2021	₹19.9415
22 Sep 2021	₹19.6896
21 Sep 2021	₹19.6538
20 Sep 2021	₹19.6013
17 Sep 2021	₹19.8473
16 Sep 2021	₹19.9285
15 Sep 2021	₹19.8926
14 Sep 2021	₹19.7310
13 Sep 2021	₹19.6838

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 - IDCW is ₹19.9881. It's a ELSS from UTI, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

UTI Long Term Advantage Fund Series III - Regular 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 - Regular 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 - Regular Plan - IDCW has delivered a absolute return of 76.54% — +74.13 pp ahead of the ELSS category average of 2.41%. The fund ranks #3 of 54 in its category — the top (Q1) quartile.

Over the trailing 3-year window, UTI Long Term Advantage Fund Series III - Regular Plan - IDCW has delivered a CAGR of 18.32% — +8.38 pp ahead of the ELSS category average of 9.94%. The fund ranks #2 of 53 in its category — the top (Q1) quartile.

Over the trailing 5-year window, UTI Long Term Advantage Fund Series III - Regular Plan - IDCW has delivered a CAGR of 12.21% — +2.02 pp ahead of the ELSS category average of 10.19%. The fund ranks #15 of 43 in its category — the second (Q2) quartile.

₹1 lakh invested in UTI Long Term Advantage Fund Series III - Regular Plan - IDCW exactly 5 years ago would be worth approximately ₹177,871 today — a multiplier of 1.78×, based on the 5-year CAGR of 12.21%. The category average over the same window would have grown ₹1 lakh to ₹162,436.

A ₹10,000 monthly SIP in UTI Long Term Advantage Fund Series III - Regular Plan - IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹964,077 today. That's an XIRR (money-weighted annualised return) of 19.01%.

UTI Long Term Advantage Fund Series III - Regular 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 ₹964,077 — XIRR 19.01%.

On a 5-year basis, UTI Long Term Advantage Fund Series III - Regular Plan - IDCW ranks #15 out of 43 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 10.19%; this fund delivered 12.21%.

The worst peak-to-trough decline UTI Long Term Advantage Fund Series III - Regular Plan - IDCW has experienced over the last 5-year window is 52.94% — 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 - Regular Plan - IDCW averaged 11.26% (best 12.29%, worst 9.95%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.33 — weak risk-adjusted performance.

In calendar year 2020, UTI Long Term Advantage Fund Series III - Regular Plan - IDCW returned 17.70% — beating the ELSS category average of 14.03% by 3.66 pp. It ranked #12 of 46 in its category that year.

UTI Long Term Advantage Fund Series III - Regular 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 - Regular 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: 52.9%. 5-year CAGR: 12.21%.

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