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

We don't give personal investment advice. UTI Long Term Advantage Fund Series IV - 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.

UTI

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

Latest NAV

₹16.4953

As of

24 Sep 2021

1,147 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

Add another fund to compare

No matches.

Compares up to 8 funds. Click any line in the legend above to hide/show it.

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	+0.22%	+0.12%	+0.10	31 / 76	Q2
1W	+0.66%	-1.31%	+1.97	5 / 76	Q1
2W	+1.50%	+0.08%	+1.42	7 / 76	Q1
1M	+5.83%	-0.99%	+6.82	4 / 76	Q1
3M	+6.64%	-0.23%	+6.87	13 / 76	Q1
6M	+23.26%	-4.25%	+27.51	3 / 76	Q1
YTD	+37.07%	-3.63%	+40.70	3 / 76	Q1
1Y	+78.49%	+1.70%	+76.79	1 / 76	Q1
2Y	+26.18%	+3.10%	+23.09	3 / 75	Q1
3Y	+16.72%	+10.95%	+5.77	8 / 75	Q1
4Y	+10.03%	+11.02%	-0.99	36 / 69	Q3
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+11.29%	+10.74%	+0.55	31 / 76	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
2021 YTD	+37.07%	+33.28%	+3.79	17 / 68
2020	+11.68%	+13.91%	-2.22	34 / 68
2019	-0.92%	+5.99%	-6.92	53 / 66
2018	-14.43%	-7.59%	-6.84	43 / 56
2017	—	—	—	—

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

+8.37%

45 windows

min -36.9% · max 87.8%

53% positive

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

3-Year rolling

+0.64%

21 windows

min -12.7% · max 16.7%

48% positive

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

5-Year rolling

—

Insufficient history

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

32.59%

3-year · annualised

Sharpe ratio

0.46

vs risk-free 6.5%

Sortino ratio

0.62

Downside-only deviation

Max drawdown

-43.97%

May 2019 → Mar 2020

% positive months

63.9%

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	₹16.4953
23 Sep 2021	₹16.4591
22 Sep 2021	₹16.2425
21 Sep 2021	₹16.2109
20 Sep 2021	₹16.1673
17 Sep 2021	₹16.3875
16 Sep 2021	₹16.4533
15 Sep 2021	₹16.4094
14 Sep 2021	₹16.2871
13 Sep 2021	₹16.2556

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 IV - Direct Plan - IDCW is ₹16.4953. 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 IV - Direct Plan - IDCW has NAV history starting from 31 Jan 2017, a track record of about 9 years 4 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 IV - 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 IV - Direct Plan - IDCW has delivered a absolute return of 78.49% — +76.79 pp ahead of the ELSS category average of 1.70%. The fund ranks #1 of 76 in its category — the top (Q1) quartile.

Over the trailing 3-year window, UTI Long Term Advantage Fund Series IV - Direct Plan - IDCW has delivered a CAGR of 16.72% — +5.77 pp ahead of the ELSS category average of 10.95%. The fund ranks #8 of 75 in its category — the top (Q1) quartile.

UTI Long Term Advantage Fund Series IV - Direct Plan - IDCW doesn't have a complete 5-year window yet (we need at least 5 year of NAVs). Check the shorter-window returns above.

₹1 lakh invested in UTI Long Term Advantage Fund Series IV - Direct Plan - IDCW exactly 3 years ago would be worth approximately ₹159,011 today — a multiplier of 1.59×, based on the 3-year CAGR of 16.72%. The category average over the same window would have grown ₹1 lakh to ₹136,582.

A ₹10,000 monthly SIP in UTI Long Term Advantage Fund Series IV - Direct Plan - IDCW over the last 3 years — total invested ₹360,000 — would be worth ₹559,394 today. That's an XIRR (money-weighted annualised return) of 30.74%.

UTI Long Term Advantage Fund Series IV - Direct Plan - IDCW doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹559,394 — XIRR 30.74%.

On a 3-year basis, UTI Long Term Advantage Fund Series IV - Direct Plan - IDCW ranks #8 out of 75 funds in the ELSS category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 10.95%; this fund delivered 16.72%.

The worst peak-to-trough decline UTI Long Term Advantage Fund Series IV - Direct Plan - IDCW has experienced over the last 3-year window is 43.97% — its NAV fell from a high on 30 May 2019 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 3-year rolling windows, UTI Long Term Advantage Fund Series IV - Direct Plan - IDCW averaged 0.64% (best 16.72%, worst -12.69%). 48% of rolling windows ended positive. The 3-year Sharpe ratio is 0.46 — weak risk-adjusted performance.

In calendar year 2020, UTI Long Term Advantage Fund Series IV - Direct Plan - IDCW returned 11.68% — lagging the ELSS category average of 13.91% by 2.22 pp. It ranked #34 of 68 in its category that year.

UTI Long Term Advantage Fund Series IV - 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 IV - 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.

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