Should I invest in UTI Mahila Unit Scheme?

We don't give personal investment advice. UTI Mahila Unit Scheme - Growth Option is suitable for an investor whose:time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ yearsprimary goal is capital preservation or steady accrual, not high growthtax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 8.3%. 5-year CAGR: 10.26%.

UTI

UTI Mahila Unit Scheme - Growth Option

Unit split applied to historical metrics

This scheme had a 0.5× unit consolidation on 5 Apr 2010. Returns, SIP simulations and risk metrics on this page are split-adjusted — they reflect what a real investor's portfolio experienced (a consolidation doesn't change portfolio value, only the unit count and per-unit NAV).

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	+0.00%	-9.99%	+9.99	328 / 1129	Q2
1W	+0.46%	-13.04%	+13.50	85 / 1151	Q1
2W	+0.36%	-13.18%	+13.55	110 / 1149	Q1
1M	+0.94%	-13.26%	+14.21	91 / 1137	Q1
3M	+1.34%	-13.15%	+14.49	226 / 1116	Q1
6M	+2.36%	-15.45%	+17.81	321 / 906	Q2
YTD	+1.64%	-15.77%	+17.42	282 / 952	Q2
1Y	+7.67%	-13.09%	+20.75	211 / 820	Q2
2Y	+9.96%	-12.72%	+22.68	13 / 446	Q1
3Y	+8.32%	-11.01%	+19.33	36 / 385	Q1
4Y	+11.10%	-6.52%	+17.62	2 / 339	Q1
5Y	+10.26%	-7.36%	+17.62	7 / 314	Q1
7Y	+8.83%	+2.53%	+6.30	13 / 234	Q1
10Y	+9.00%	+3.14%	+5.86	4 / 101	Q1
Inception	+9.97%	-13.63%	+23.60	42 / 1199	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
2018 YTD	+1.64%	+1.30%	+0.34	32 / 90
2017	+12.25%	+1.63%	+10.63	2 / 137
2016	+7.88%	+3.02%	+4.86	39 / 181
2015	+6.10%	+2.22%	+3.88	65 / 216
2014	+20.57%	+5.51%	+15.06	3 / 240
2013	+3.40%	-1.95%	+5.35	102 / 276
2012	+14.21%	+1.38%	+12.83	6 / 295
2011	-4.27%	-3.16%	-1.11	281 / 317
2010	+9.26%	-5.78%	+15.05	4 / 377
2009	+23.42%	-12.86%	+36.27	8 / 713
2008	-8.48%	-2.02%	-6.46	322 / 380

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

+10.00%

136 windows

min -9.3% · max 26.7%

93% positive

3-Year rolling

+9.47%

111 windows

min 2.6% · max 14.1%

100% positive

5-Year rolling

+8.90%

87 windows

min 6.3% · max 10.9%

100% positive

7-Year rolling

+8.90%

63 windows

min 7.7% · max 10.7%

100% positive

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

3.47%

3-year · annualised

Sharpe ratio

0.50

vs risk-free 6.5%

Sortino ratio

1.48

Downside-only deviation

Max drawdown

-4.77%

Oct 2015 → Feb 2016

% positive months

75.0%

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.

Recent NAVs

Date	NAV
2 May 2018	₹37.3872
27 Apr 2018	₹37.3136
26 Apr 2018	₹37.3108
25 Apr 2018	₹37.2175
24 Apr 2018	₹37.3041
23 Apr 2018	₹37.2615
20 Apr 2018	₹37.1975
19 Apr 2018	₹37.2211
18 Apr 2018	₹37.2516
17 Apr 2018	₹37.3230

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.

UTI Mahila Unit Scheme - Growth Option is a Income from UTI (Unknown plan, IDCW (dividend) option). Latest NAV isn't currently available in our feed — the AMC publishes it once per business day after market close.

UTI Mahila Unit Scheme - Growth Option has NAV history starting from 03 Apr 2006, a track record of about 20 years 2 months. Long-tenured funds like this have weathered multiple market cycles — the 2008 crash, 2013 taper tantrum, 2020 COVID drawdown — which makes their returns more credible than a 3-year track record alone.

UTI Mahila Unit Scheme - Growth Option is managed by UTI. It's classified by AMFI under the 'Income' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, UTI Mahila Unit Scheme - Growth Option has delivered a absolute return of 7.67% — +20.75 pp ahead of the Income category average of -13.09%. The fund ranks #211 of 820 in its category — the second (Q2) quartile.

Over the trailing 3-year window, UTI Mahila Unit Scheme - Growth Option has delivered a CAGR of 8.32% — +19.33 pp ahead of the Income category average of -11.01%. The fund ranks #36 of 385 in its category — the top (Q1) quartile.

Over the trailing 5-year window, UTI Mahila Unit Scheme - Growth Option has delivered a CAGR of 10.26% — +17.62 pp ahead of the Income category average of -7.36%. The fund ranks #7 of 314 in its category — the top (Q1) quartile.

₹1 lakh invested in UTI Mahila Unit Scheme - Growth Option exactly 10 years ago would be worth approximately ₹236,695 today — a multiplier of 2.37×, based on the 10-year CAGR of 9.00%. The category average over the same window would have grown ₹1 lakh to ₹136,244.

A ₹10,000 monthly SIP in UTI Mahila Unit Scheme - Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹768,509 today. That's an XIRR (money-weighted annualised return) of 9.84%.

A ₹10,000 monthly SIP for 10 years in UTI Mahila Unit Scheme - Growth Option = ₹1,200,000 invested. It would currently be worth ₹1,948,374 (multiplier 1.62×). XIRR: 9.37%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, UTI Mahila Unit Scheme - Growth Option ranks #7 out of 314 funds in the Income category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is -7.36%; this fund delivered 10.26%.

The worst peak-to-trough decline UTI Mahila Unit Scheme - Growth Option has experienced over the last 5-year window is 8.28% — its NAV fell from a high on 17 May 2013 to a low on 19 Aug 2013. 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 Mahila Unit Scheme - Growth Option averaged 8.90% (best 10.87%, worst 6.28%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.67 — reasonable risk-adjusted performance.

In calendar year 2017, UTI Mahila Unit Scheme - Growth Option returned 12.25% — beating the Income category average of 1.63% by 10.63 pp. It ranked #2 of 137 in its category that year.

UTI Mahila Unit Scheme - Growth Option is classified as a Debt fund. For units acquired on or after 1 April 2023, all gains are taxed at your income-tax slab rate regardless of holding period — there's no LTCG concession or indexation. For pre-April-2023 units, the old rules with indexation still apply on long-term gains.

We don't give personal investment advice. UTI Mahila Unit Scheme - Growth Option is suitable for an investor whose:

time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ years
primary goal is capital preservation or steady accrual, not high growth
tax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 8.3%. 5-year CAGR: 10.26%.

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

UTI Mahila Unit Scheme - Growth Option

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Recent NAVs

Frequently asked questions

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