Should I invest in UTI - MIS-Income?

We don't give personal investment advice. UTI - MIS-Income 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: 8.8%. 5-year CAGR: 0.35%.

UTI

UTI - MIS-Income

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	326 / 1129	Q2
1W	-0.50%	-13.04%	+12.54	498 / 1151	Q2
2W	-1.13%	-13.18%	+12.05	577 / 1149	Q3
1M	-1.06%	-13.26%	+12.20	584 / 1137	Q3
3M	-2.91%	-13.15%	+10.23	842 / 1116	Q4
6M	-3.82%	-15.45%	+11.63	638 / 906	Q3
YTD	-2.34%	-15.77%	+13.44	650 / 952	Q3
1Y	-2.45%	-13.09%	+10.63	629 / 820	Q4
2Y	+0.33%	-12.72%	+13.05	243 / 446	Q3
3Y	-0.73%	-11.01%	+10.28	299 / 385	Q4
4Y	+0.95%	-6.52%	+7.47	170 / 339	Q3
5Y	+0.35%	-7.36%	+7.71	184 / 314	Q3
7Y	+0.21%	+2.53%	-2.32	172 / 234	Q3
10Y	+0.53%	+3.14%	-2.61	73 / 101	Q3
Inception	+0.82%	-13.63%	+14.45	425 / 1199	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
2018 YTD	-2.34%	+1.30%	-3.64	83 / 90
2017	+0.18%	+1.63%	-1.45	78 / 137
2016	+1.85%	+3.02%	-1.18	85 / 181
2015	-2.30%	+2.22%	-4.52	206 / 216
2014	+7.01%	+5.51%	+1.50	112 / 240
2013	-2.64%	-1.95%	-0.69	243 / 276
2012	+3.41%	+1.38%	+2.03	153 / 295
2011	-5.74%	-3.16%	-2.58	286 / 317
2010	+0.45%	-5.78%	+6.23	209 / 377
2009	+11.08%	-12.86%	+23.94	76 / 713
2008	-6.44%	-2.02%	-4.42	304 / 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

+1.31%

136 windows

min -9.8% · max 14.8%

56% positive

3-Year rolling

+1.17%

111 windows

min -2.7% · max 4.2%

73% positive

5-Year rolling

+0.85%

87 windows

min -0.3% · max 2.2%

91% positive

7-Year rolling

+0.84%

63 windows

min 0.1% · max 2.1%

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

3.20%

3-year · annualised

Sharpe ratio

-2.28

vs risk-free 6.5%

Sortino ratio

-2.97

Downside-only deviation

Max drawdown

-5.78%

May 2015 → Feb 2016

% positive months

44.4%

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	₹11.9856
27 Apr 2018	₹12.0486
26 Apr 2018	₹12.0376
25 Apr 2018	₹12.0460
24 Apr 2018	₹12.0769
23 Apr 2018	₹12.0686
20 Apr 2018	₹12.0712
19 Apr 2018	₹12.0940
18 Apr 2018	₹12.1228
17 Apr 2018	₹12.1340

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 - MIS-Income 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 - MIS-Income 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 - MIS-Income 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 - MIS-Income has delivered a absolute return of -2.45% — +10.63 pp ahead of the Income category average of -13.09%. The fund ranks #629 of 820 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, UTI - MIS-Income has delivered a CAGR of -0.73% — +10.28 pp ahead of the Income category average of -11.01%. The fund ranks #299 of 385 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, UTI - MIS-Income has delivered a CAGR of 0.35% — +7.71 pp ahead of the Income category average of -7.36%. The fund ranks #184 of 314 in its category — the third (Q3) quartile.

₹1 lakh invested in UTI - MIS-Income exactly 10 years ago would be worth approximately ₹105,392 today — a multiplier of 1.05×, based on the 10-year CAGR of 0.53%. The category average over the same window would have grown ₹1 lakh to ₹136,244.

A ₹10,000 monthly SIP in UTI - MIS-Income over the last 5 years — total invested ₹600,000 — would be worth ₹597,890 today. That's an XIRR (money-weighted annualised return) of -0.14%.

A ₹10,000 monthly SIP for 10 years in UTI - MIS-Income = ₹1,200,000 invested. It would currently be worth ₹1,218,094 (multiplier 1.02×). XIRR: 0.30%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, UTI - MIS-Income ranks #184 out of 314 funds in the Income category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is -7.36%; this fund delivered 0.35%.

The worst peak-to-trough decline UTI - MIS-Income has experienced over the last 5-year window is 8.76% — 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 - MIS-Income averaged 0.85% (best 2.23%, worst -0.30%). 91% of rolling windows ended positive. The 5-year Sharpe ratio is -1.63 — negative risk-adjusted performance.

In calendar year 2017, UTI - MIS-Income returned 0.18% — lagging the Income category average of 1.63% by 1.45 pp. It ranked #78 of 137 in its category that year.

UTI - MIS-Income 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 - MIS-Income 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: 8.8%. 5-year CAGR: 0.35%.

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