Should I invest in UTI - Master Index Fund?

We don't give personal investment advice. UTI - Master Index Fund-Growth Option is suitable for an investor whose:understands what asset class this scheme actually invests in (check the factsheet)matches that asset class's volatility profile to their goal horizonCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 61.2%. 5-year CAGR: 7.39%.

UTI

UTI - Master Index Fund-Growth Option

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	+0.57%	+0.06%	+0.51	62 / 299	Q1
1W	+4.45%	-3.61%	+8.06	16 / 303	Q1
2W	+0.91%	-4.52%	+5.43	90 / 303	Q2
1M	+0.70%	-5.64%	+6.34	118 / 302	Q2
3M	+12.61%	-4.27%	+16.88	20 / 302	Q1
6M	+6.90%	+1.48%	+5.42	117 / 307	Q2
YTD	+15.29%	-0.18%	+15.47	78 / 309	Q2
1Y	-0.86%	+7.10%	-7.97	192 / 307	Q3
2Y	+2.70%	+2.20%	+0.50	154 / 303	Q3
3Y	+26.26%	+0.76%	+25.51	10 / 264	Q1
4Y	+3.26%	+0.58%	+2.67	131 / 235	Q3
5Y	+7.39%	+0.02%	+7.37	82 / 208	Q2
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+7.54%	+0.51%	+7.02	103 / 310	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
2012 YTD	+15.29%	+23.57%	-8.28	163 / 190
2011	-24.22%	-23.68%	-0.54	128 / 241
2010	+17.95%	+11.69%	+6.27	73 / 256
2009	+75.35%	+65.86%	+9.49	85 / 238
2008	-52.85%	-52.86%	+0.00	70 / 198
2007	+45.03%	+42.91%	+2.12	66 / 137
2006	—	—	—	—

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

+13.58%

61 windows

min -54.7% · max 96.6%

67% positive

3-Year rolling

+8.11%

37 windows

min -6.5% · max 26.3%

95% positive

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

5-Year rolling

+7.26%

12 windows

min 2.6% · max 12.9%

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

25.99%

3-year · annualised

Sharpe ratio

0.80

vs risk-free 6.5%

Sortino ratio

1.89

Downside-only deviation

Max drawdown

-27.11%

Nov 2010 → Dec 2011

% 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.

Recent NAVs

Date	NAV
14 Mar 2012	₹55.7412
13 Mar 2012	₹55.4231
12 Mar 2012	₹54.7362
9 Mar 2012	₹54.4677
7 Mar 2012	₹53.3676
6 Mar 2012	₹53.4541
5 Mar 2012	₹54.0316
2 Mar 2012	₹54.8801
1 Mar 2012	₹54.7180
29 Feb 2012	₹55.2398

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

UTI - Master Index Fund-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 - Master Index Fund-Growth Option is managed by UTI. It's classified by AMFI under the 'Growth' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, UTI - Master Index Fund-Growth Option has delivered a absolute return of -0.86% — -7.97 pp behind the Growth category average of 7.10%. The fund ranks #192 of 307 in its category — the third (Q3) quartile.

Over the trailing 3-year window, UTI - Master Index Fund-Growth Option has delivered a CAGR of 26.26% — +25.51 pp ahead of the Growth category average of 0.76%. The fund ranks #10 of 264 in its category — the top (Q1) quartile.

Over the trailing 5-year window, UTI - Master Index Fund-Growth Option has delivered a CAGR of 7.39% — +7.37 pp ahead of the Growth category average of 0.02%. The fund ranks #82 of 208 in its category — the second (Q2) quartile.

₹1 lakh invested in UTI - Master Index Fund-Growth Option exactly 5 years ago would be worth approximately ₹142,854 today — a multiplier of 1.43×, based on the 5-year CAGR of 7.39%. The category average over the same window would have grown ₹1 lakh to ₹100,100.

A ₹10,000 monthly SIP in UTI - Master Index Fund-Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹701,277 today. That's an XIRR (money-weighted annualised return) of 6.17%.

UTI - Master Index Fund-Growth Option doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹701,277 — XIRR 6.17%.

On a 5-year basis, UTI - Master Index Fund-Growth Option ranks #82 out of 208 funds in the Growth category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 0.02%; this fund delivered 7.39%.

The worst peak-to-trough decline UTI - Master Index Fund-Growth Option has experienced over the last 5-year window is 61.21% — its NAV fell from a high on 08 Jan 2008 to a low on 09 Mar 2009. 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 - Master Index Fund-Growth Option averaged 7.26% (best 12.85%, worst 2.58%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.16 — weak risk-adjusted performance.

In calendar year 2011, UTI - Master Index Fund-Growth Option returned -24.22% — lagging the Growth category average of -23.68% by 0.54 pp. It ranked #128 of 241 in its category that year.

UTI - Master Index Fund-Growth Option doesn't fit cleanly into the standard Equity/Debt buckets in our taxonomy. Tax treatment depends on actual asset allocation as disclosed by the AMC — check the factsheet or AMFI's classification table.

We don't give personal investment advice. UTI - Master Index Fund-Growth Option is suitable for an investor whose:

understands what asset class this scheme actually invests in (check the factsheet)
matches that asset class's volatility profile to their goal horizon

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 61.2%. 5-year CAGR: 7.39%.

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