Should I invest in UTI - Master Share?

We don't give personal investment advice. UTI - Master Share-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. Worst 5-year drawdown: 19.5%. 5-year CAGR: 8.70%.

UTI

UTI - Master Share-Growth Option

Latest NAV

₹266.1697

As of

17 Jul 2026

4,989 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	+0.87%	+0.70%	+0.17	9 / 35	Q2
1W	+0.63%	+0.36%	+0.27	5 / 35	Q1
2W	+0.95%	+0.42%	+0.53	5 / 35	Q1
1M	+1.58%	+1.48%	+0.10	23 / 35	Q3
3M	+0.70%	+1.06%	-0.37	26 / 35	Q3
6M	-4.90%	-3.79%	-1.11	24 / 35	Q3
YTD	-6.17%	-5.15%	-1.02	24 / 35	Q3
1Y	-2.89%	-2.74%	-0.15	22 / 35	Q3
2Y	-0.91%	-1.60%	+0.69	20 / 35	Q3
3Y	+8.01%	+7.90%	+0.12	22 / 35	Q3
4Y	+10.20%	+10.56%	-0.36	23 / 34	Q3
5Y	+8.70%	+8.42%	+0.28	22 / 34	Q3
7Y	+12.16%	+10.25%	+1.91	18 / 34	Q3
10Y	+11.07%	+8.69%	+2.38	16 / 34	Q2
Inception	+10.98%	+8.44%	+2.53	15 / 35	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
2026 YTD	-6.17%	-5.48%	-0.69	23 / 34
2025	+8.03%	+5.20%	+2.83	9 / 34
2024	+11.29%	+12.60%	-1.31	24 / 34
2023	+20.18%	+21.38%	-1.20	22 / 34
2022	-1.79%	+0.25%	-2.05	24 / 34
2021	+29.25%	+23.62%	+5.63	5 / 34
2020	+18.64%	+11.04%	+7.60	1 / 34
2019	+10.35%	+7.65%	+2.71	16 / 35
2018	+0.34%	-3.82%	+4.16	11 / 35
2017	+28.24%	+24.19%	+4.04	15 / 35
2016	+3.23%	+0.01%	+3.22	8 / 33

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

+13.98%

236 windows

min -51.6% · max 84.0%

78% positive

3-Year rolling

+12.32%

211 windows

min -1.4% · max 27.4%

98% positive

5-Year rolling

+12.17%

187 windows

min 0.7% · max 22.6%

100% positive

7-Year rolling

+12.03%

163 windows

min 6.9% · max 17.7%

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

11.82%

3-year · annualised

Sharpe ratio

0.17

vs risk-free 6.5%

Sortino ratio

0.26

Downside-only deviation

Max drawdown

-16.92%

Sep 2024 → Mar 2026

% positive months

61.1%

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 Large Cap Fund

Scheme	Fund house	NAV	As of
HDFC Top 200 Fund - Dividend Option	HDFC	₹52.1620	17 Jul 2026
SBI BLUE CHIP FUND-DIVIDEND	SBI	₹53.6607	17 Jul 2026
Franklin India Bluechip Fund-Dividend	Franklin Templeton	₹42.7106	17 Jul 2026
Mirae Asset India Opportunities Fund - Dividend Plan	Mirae Asset	₹28.9130	17 Jul 2026
Kotak Large Cap Fund - Growth	Kotak	₹569.5770	17 Jul 2026
Edelweiss Diversified Growth Equity (E.D.G.E) Fund -Plan A - Growth option	Edelweiss	₹83.3100	17 Jul 2026
HSBC Equity Fund - Dividend	HSBC	₹42.0344	17 Jul 2026
UTI - Master Share-Income Option	UTI	₹52.4497	17 Jul 2026
PGIM India Large Cap Fund - Growth	PGIM India	₹332.7000	17 Jul 2026
Birla Sun Life Frontline Equity Fund-Plan A (Divivdend)	Birla Sun Life	₹38.6800	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹266.1697
16 Jul 2026	₹263.8651
15 Jul 2026	₹263.6652
14 Jul 2026	₹262.8717
13 Jul 2026	₹264.7567
10 Jul 2026	₹264.5143
9 Jul 2026	₹261.7629
8 Jul 2026	₹260.5613
7 Jul 2026	₹265.6970
6 Jul 2026	₹265.0479

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 17 Jul 2026, the NAV of UTI - Master Share-Growth Option is ₹266.1697. It's a Large Cap Fund from UTI, run as a Unknown plan Growth option. NAVs update once per business day from the AMFI feed.

UTI - Master Share-Growth Option has NAV history starting from 03 Apr 2006, a track record of about 20 years 3 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 Share-Growth Option is managed by UTI. It's classified by AMFI under the 'Large Cap Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, UTI - Master Share-Growth Option has delivered a absolute return of -2.89% — -0.15 pp behind the Large Cap Fund category average of -2.74%. The fund ranks #22 of 35 in its category — the third (Q3) quartile.

Over the trailing 3-year window, UTI - Master Share-Growth Option has delivered a CAGR of 8.01% — +0.12 pp ahead of the Large Cap Fund category average of 7.90%. The fund ranks #22 of 35 in its category — the third (Q3) quartile.

Over the trailing 5-year window, UTI - Master Share-Growth Option has delivered a CAGR of 8.70% — +0.28 pp ahead of the Large Cap Fund category average of 8.42%. The fund ranks #22 of 34 in its category — the third (Q3) quartile.

₹1 lakh invested in UTI - Master Share-Growth Option exactly 10 years ago would be worth approximately ₹285,751 today — a multiplier of 2.86×, based on the 10-year CAGR of 11.07%. The category average over the same window would have grown ₹1 lakh to ₹230,064.

A ₹10,000 monthly SIP in UTI - Master Share-Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹711,755 today. That's an XIRR (money-weighted annualised return) of 6.76%.

A ₹10,000 monthly SIP for 10 years in UTI - Master Share-Growth Option = ₹1,200,000 invested. It would currently be worth ₹2,090,176 (multiplier 1.74×). XIRR: 10.69%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, UTI - Master Share-Growth Option ranks #22 out of 34 funds in the Large Cap Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 8.42%; this fund delivered 8.70%.

The worst peak-to-trough decline UTI - Master Share-Growth Option has experienced over the last 5-year window is 19.52% — its NAV fell from a high on 17 Jan 2022 to a low on 17 Jun 2022. 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 Share-Growth Option averaged 12.17% (best 22.55%, worst 0.67%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.19 — weak risk-adjusted performance.

In calendar year 2025, UTI - Master Share-Growth Option returned 8.03% — beating the Large Cap Fund category average of 5.20% by 2.83 pp. It ranked #9 of 34 in its category that year.

UTI - Master Share-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 - Master Share-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. Worst 5-year drawdown: 19.5%. 5-year CAGR: 8.70%.

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