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 - 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.

UTI

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

Latest NAV

₹15.7183

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%	+0.04%	+0.18	18 / 39	Q2
1W	+0.66%	-0.11%	+0.77	6 / 39	Q1
2W	+1.49%	+0.32%	+1.17	4 / 39	Q1
1M	+5.82%	+1.31%	+4.51	4 / 39	Q1
3M	+6.60%	+3.44%	+3.17	11 / 39	Q2
6M	+23.17%	+3.63%	+19.54	3 / 39	Q1
YTD	+36.93%	+3.50%	+33.42	3 / 39	Q1
1Y	+78.25%	+8.03%	+70.22	1 / 39	Q1
2Y	+25.91%	+4.68%	+21.23	3 / 38	Q1
3Y	+16.21%	+13.16%	+3.05	9 / 38	Q1
4Y	+9.14%	+14.96%	-5.82	30 / 31	Q4
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+10.15%	+12.99%	-2.85	33 / 39	Q4

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	+36.93%	+41.08%	-4.15	14 / 30
2020	+11.42%	+17.81%	-6.38	27 / 30
2019	-1.48%	+3.04%	-4.52	18 / 27
2018	-15.87%	-11.14%	-4.74	14 / 18
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

+7.43%

45 windows

min -37.1% · max 87.5%

47% positive

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

3-Year rolling

-0.27%

21 windows

min -13.9% · max 16.2%

43% 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

32.60%

3-year · annualised

Sharpe ratio

0.45

vs risk-free 6.5%

Sortino ratio

0.60

Downside-only deviation

Max drawdown

-44.14%

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
SBI Long Term Advantage Fund - Series IV - Regular Plan - Growth	SBI	₹47.5639	17 Jul 2026
Quantum ELSS Tax Saver Fund - Regular Plan Growth Option	Quantum	₹119.4900	17 Jul 2026
Motilal Oswal ELSS Tax Saver Fund - Regular Plan - Growth Option	Motilal Oswal	₹54.9959	17 Jul 2026
Mirae Asset ELSS Tax Saver Fund - Regular Plan - Growth	Mirae Asset	₹50.5940	17 Jul 2026
Parag Parikh ELSS Tax Saver Fund- Regular Growth	Parag Parikh	₹29.6471	17 Jul 2026
HSBC ELSS Tax saver Fund - Regular Growth	HSBC	₹139.9704	17 Jul 2026
BARODA BNP PARIBAS ELSS Tax Saver Fund - Regular - Growth Option	Baroda BNP Paribas	₹99.2178	17 Jul 2026
PGIM India ELSS Tax Saver Fund - Regular Plan - Growth Option	PGIM India	₹34.4500	17 Jul 2026
Axis ELSS Tax Saver Fund - Regular Plan - Growth	Axis	₹96.5764	17 Jul 2026
360 ONE ELSS Tax Saver Nifty 50 Index Fund - Regular Plan - Growth	360 ONE	₹13.6989	17 Jul 2026

Recent NAVs

Date	NAV
24 Sep 2021	₹15.7183
23 Sep 2021	₹15.6839
22 Sep 2021	₹15.4775
21 Sep 2021	₹15.4474
20 Sep 2021	₹15.4059
17 Sep 2021	₹15.6160
16 Sep 2021	₹15.6787
15 Sep 2021	₹15.6369
14 Sep 2021	₹15.5204
13 Sep 2021	₹15.4904

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 - Regular Plan - Growth Option is ₹15.7183. 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 IV - Regular Plan - Growth Option has NAV history starting from 31 Jan 2017, a track record of about 9 years 5 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 - 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 IV - Regular Plan - Growth Option has delivered a absolute return of 78.25% — +70.22 pp ahead of the ELSS category average of 8.03%. The fund ranks #1 of 39 in its category — the top (Q1) quartile.

Over the trailing 3-year window, UTI Long Term Advantage Fund Series IV - Regular Plan - Growth Option has delivered a CAGR of 16.21% — +3.05 pp ahead of the ELSS category average of 13.16%. The fund ranks #9 of 38 in its category — the top (Q1) quartile.

UTI Long Term Advantage Fund Series IV - Regular Plan - Growth Option 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 - Regular Plan - Growth Option exactly 3 years ago would be worth approximately ₹156,954 today — a multiplier of 1.57×, based on the 3-year CAGR of 16.21%. The category average over the same window would have grown ₹1 lakh to ₹144,917.

A ₹10,000 monthly SIP in UTI Long Term Advantage Fund Series IV - Regular Plan - Growth Option over the last 3 years — total invested ₹360,000 — would be worth ₹557,219 today. That's an XIRR (money-weighted annualised return) of 30.45%.

UTI Long Term Advantage Fund Series IV - Regular Plan - Growth Option doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹557,219 — XIRR 30.45%.

On a 3-year basis, UTI Long Term Advantage Fund Series IV - Regular Plan - Growth Option ranks #9 out of 38 funds in the ELSS category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 13.16%; this fund delivered 16.21%.

The worst peak-to-trough decline UTI Long Term Advantage Fund Series IV - Regular Plan - Growth Option has experienced over the last 3-year window is 44.14% — 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 - Regular Plan - Growth Option averaged -0.27% (best 16.21%, worst -13.88%). 43% of rolling windows ended positive. The 3-year Sharpe ratio is 0.45 — weak risk-adjusted performance.

In calendar year 2020, UTI Long Term Advantage Fund Series IV - Regular Plan - Growth Option returned 11.42% — lagging the ELSS category average of 17.81% by 6.38 pp. It ranked #27 of 30 in its category that year.

UTI Long Term Advantage Fund Series IV - 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 IV - 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.

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