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

We don't give personal investment advice. UTI Long Term Advantage Fund Series VII - 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 VII - Regular Plan - Growth Option

Latest NAV

₹12.7370

As of

24 Sep 2021

861 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	+0.04%	+0.19%	-0.15	25 / 42	Q3
1W	+0.36%	-1.12%	+1.48	1 / 42	Q1
2W	+2.05%	+0.20%	+1.85	2 / 42	Q1
1M	+6.95%	+0.29%	+6.66	1 / 42	Q1
3M	+7.79%	+2.20%	+5.59	8 / 42	Q1
6M	+16.96%	+2.09%	+14.87	8 / 41	Q1
YTD	+24.29%	-0.80%	+25.09	1 / 41	Q1
1Y	+53.95%	+12.75%	+41.20	4 / 38	Q1
2Y	+25.31%	+7.07%	+18.24	3 / 37	Q1
3Y	+11.94%	+12.23%	-0.29	21 / 33	Q3
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+7.10%	+10.40%	-3.31	31 / 42	Q3

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	+24.29%	+26.78%	-2.48	11 / 19
2020	+19.49%	+17.92%	+1.57	7 / 21
2019	-5.88%	+9.49%	-15.37	21 / 21
2018	—	—	—	—

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

+9.81%

31 windows

min -34.4% · max 78.7%

52% positive

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

3-Year rolling

+6.38%

7 windows

min 2.6% · max 11.9%

100% 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

29.51%

3-year · annualised

Sharpe ratio

0.34

vs risk-free 6.5%

Sortino ratio

0.45

Downside-only deviation

Max drawdown

-38.87%

Apr 2019 → Mar 2020

% positive months

58.3%

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 Flexi Cap Fund

Scheme	Fund house	NAV	As of
Nippon India Flexi Cap Fund - Regular Plan - Growth Plan - Growth Option	Nippon India	₹15.9186	3 Jun 2026
Invesco India Flexi Cap Fund - Regular Plan - Growth	Invesco	₹17.8200	3 Jun 2026
Motilal Oswal Flexi Cap Fund Regular Plan-Growth Option	Motilal Oswal	₹56.6317	3 Jun 2026
Mirae Asset Flexi Cap Fund - Regular Plan - Growth	Mirae Asset	₹15.4570	3 Jun 2026
Parag Parikh Flexi Cap Fund - Regular Plan - Growth	Parag Parikh	₹81.9366	2 Jun 2026
Edelweiss Flexi Cap Fund - Regular Plan - Growth Option	Edelweiss	₹37.2740	2 Jun 2026
DSP BlackRock Equity Fund - Regular Plan - Dividend	DSP BlackRock	₹55.4440	3 Jun 2026
Baroda BNP Paribas Flexi Cap Fund - Regular Plan - Growth Option	Baroda BNP Paribas	₹15.3812	3 Jun 2026
PGIM India Flexi Cap Fund - Regular Plan - Growth Option	PGIM India	₹34.7300	3 Jun 2026
Axis Flexi Cap Fund - Regular Plan - Growth	Axis	₹25.7800	3 Jun 2026

Recent NAVs

Date	NAV
24 Sep 2021	₹12.7370
23 Sep 2021	₹12.7324
22 Sep 2021	₹12.5587
21 Sep 2021	₹12.5680
20 Sep 2021	₹12.5245
17 Sep 2021	₹12.6907
16 Sep 2021	₹12.7282
15 Sep 2021	₹12.6232
14 Sep 2021	₹12.5120
13 Sep 2021	₹12.4789

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 VII - Regular Plan - Growth Option is ₹12.7370. It's a Flexi Cap Fund 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 VII - Regular Plan - Growth Option has NAV history starting from 28 Mar 2018, a track record of about 8 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 VII - Regular Plan - Growth Option is managed by UTI. It's classified by AMFI under the 'Flexi Cap Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, UTI Long Term Advantage Fund Series VII - Regular Plan - Growth Option has delivered a absolute return of 53.95% — +41.2 pp ahead of the Flexi Cap Fund category average of 12.75%. The fund ranks #4 of 38 in its category — the top (Q1) quartile.

Over the trailing 3-year window, UTI Long Term Advantage Fund Series VII - Regular Plan - Growth Option has delivered a CAGR of 11.94% — -0.29 pp behind the Flexi Cap Fund category average of 12.23%. The fund ranks #21 of 33 in its category — the third (Q3) quartile.

UTI Long Term Advantage Fund Series VII - 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 VII - Regular Plan - Growth Option exactly 3 years ago would be worth approximately ₹140,277 today — a multiplier of 1.40×, based on the 3-year CAGR of 11.94%. The category average over the same window would have grown ₹1 lakh to ₹141,359.

A ₹10,000 monthly SIP in UTI Long Term Advantage Fund Series VII - Regular Plan - Growth Option over the last 3 years — total invested ₹360,000 — would be worth ₹517,594 today. That's an XIRR (money-weighted annualised return) of 24.99%.

UTI Long Term Advantage Fund Series VII - 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 ₹517,594 — XIRR 24.99%.

On a 3-year basis, UTI Long Term Advantage Fund Series VII - Regular Plan - Growth Option ranks #21 out of 33 funds in the Flexi Cap Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 12.23%; this fund delivered 11.94%.

The worst peak-to-trough decline UTI Long Term Advantage Fund Series VII - Regular Plan - Growth Option has experienced over the last 3-year window is 38.87% — its NAV fell from a high on 16 Apr 2019 to a low on 24 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 VII - Regular Plan - Growth Option averaged 6.38% (best 11.94%, worst 2.63%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is 0.34 — weak risk-adjusted performance.

In calendar year 2020, UTI Long Term Advantage Fund Series VII - Regular Plan - Growth Option returned 19.49% — beating the Flexi Cap Fund category average of 17.92% by 1.57 pp. It ranked #7 of 21 in its category that year.

UTI Long Term Advantage Fund Series VII - 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 VII - 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.