Should I invest in UTI - MNC Fund (UGS 10000)-Income Option?

We don't give personal investment advice. UTI - MNC Fund (UGS 10000)-Income 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: 21.9%. 5-year CAGR: 9.30%.

UTI

UTI - MNC Fund (UGS 10000)-Income Option

Latest NAV

₹205.1556

As of

17 Jul 2026

4,987 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	-0.39%	-0.07%	-0.32	88 / 122	Q3
1W	-0.21%	-0.15%	-0.07	68 / 122	Q3
2W	-0.18%	-0.13%	-0.05	62 / 122	Q3
1M	+1.68%	+1.33%	+0.35	56 / 122	Q2
3M	+4.29%	+3.32%	+0.96	41 / 122	Q2
6M	-0.22%	+2.87%	-3.08	74 / 122	Q3
YTD	-1.45%	+1.43%	-2.88	78 / 122	Q3
1Y	+0.83%	+2.53%	-1.70	67 / 120	Q3
2Y	-1.54%	+1.69%	-3.23	70 / 116	Q3
3Y	+9.34%	+13.72%	-4.38	90 / 114	Q4
4Y	+10.54%	+15.46%	-4.92	85 / 106	Q4
5Y	+9.30%	+12.16%	-2.87	76 / 104	Q3
7Y	+11.32%	+15.00%	-3.68	78 / 99	Q4
10Y	+8.72%	+11.50%	-2.78	71 / 93	Q4
Inception	+9.71%	+11.17%	-1.45	69 / 122	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
2026 YTD	-1.45%	+1.37%	-2.83	75 / 118
2025	+2.91%	+3.20%	-0.28	49 / 115
2024	+16.38%	+19.60%	-3.22	71 / 113
2023	+23.26%	+31.56%	-8.30	86 / 108
2022	-1.44%	+2.19%	-3.62	63 / 104
2021	+23.86%	+32.41%	-8.55	63 / 102
2020	+9.29%	+18.32%	-9.03	67 / 100
2019	-1.28%	+5.50%	-6.78	77 / 97
2018	+0.09%	-10.07%	+10.16	15 / 94
2017	+30.81%	+30.10%	+0.71	48 / 93
2016	-7.19%	-0.25%	-6.94	78 / 93

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

+13.25%

236 windows

min -48.3% · max 95.3%

74% positive

3-Year rolling

+12.76%

211 windows

min -13.5% · max 34.6%

98% positive

5-Year rolling

+12.63%

187 windows

min -1.2% · max 23.6%

99% positive

7-Year rolling

+12.47%

163 windows

min 4.2% · max 25.5%

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

12.91%

3-year · annualised

Sharpe ratio

0.25

vs risk-free 6.5%

Sortino ratio

0.37

Downside-only deviation

Max drawdown

-21.86%

Oct 2024 → Apr 2025

% 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 Sectoral/Thematic Fund

Scheme	Fund house	NAV	As of
HDFC Banking & Financial Services Fund - Growth Option	HDFC	₹18.4020	17 Jul 2026
Nippon India Japan Equity Fund- Growth Plan- Bonus Option	Nippon India	₹27.0439	17 Jul 2026
Magnum Equity Fund -Dividend	SBI	₹75.2678	17 Jul 2026
ICICI Prudential Active Momentum Fund - Growth	ICICI Prudential	₹10.7400	17 Jul 2026
Franklin Asian Equity Fund - Dividend Plan	Franklin Templeton	₹20.5340	17 Jul 2026
Franklin India Multi-Factor Fund- Growth	Franklin India	₹9.5442	17 Jul 2026
Kotak Infrastructure & Economic Reform Fund - Standard Plan-Growth	Kotak	₹68.7640	17 Jul 2026
Canara Robeco Infrastructure-DIVIDEND	Canara Robeco	₹64.5500	17 Jul 2026
UTI - MNC Fund (UGS 10000)-Growth Option	UTI	₹397.9086	17 Jul 2026
BANK OF INDIA Manufacturing & Infrastructure Fund-Growth	Bank of India	₹66.3400	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹205.1556
16 Jul 2026	₹205.9672
15 Jul 2026	₹204.5954
14 Jul 2026	₹204.2537
13 Jul 2026	₹205.4501
10 Jul 2026	₹205.5962
9 Jul 2026	₹203.5460
8 Jul 2026	₹202.1381
7 Jul 2026	₹205.7731
6 Jul 2026	₹206.0548

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 - MNC Fund (UGS 10000)-Income Option is ₹205.1556. It's a Sectoral/Thematic Fund from UTI, run as a Unknown plan Growth option. NAVs update once per business day from the AMFI feed.

UTI - MNC Fund (UGS 10000)-Income 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 - MNC Fund (UGS 10000)-Income Option is managed by UTI. It's classified by AMFI under the 'Sectoral/Thematic Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, UTI - MNC Fund (UGS 10000)-Income Option has delivered a absolute return of 0.83% — -1.7 pp behind the Sectoral/Thematic Fund category average of 2.53%. The fund ranks #67 of 120 in its category — the third (Q3) quartile.

Over the trailing 3-year window, UTI - MNC Fund (UGS 10000)-Income Option has delivered a CAGR of 9.34% — -4.38 pp behind the Sectoral/Thematic Fund category average of 13.72%. The fund ranks #90 of 114 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, UTI - MNC Fund (UGS 10000)-Income Option has delivered a CAGR of 9.30% — -2.87 pp behind the Sectoral/Thematic Fund category average of 12.16%. The fund ranks #76 of 104 in its category — the third (Q3) quartile.

₹1 lakh invested in UTI - MNC Fund (UGS 10000)-Income Option exactly 10 years ago would be worth approximately ₹230,719 today — a multiplier of 2.31×, based on the 10-year CAGR of 8.72%. The category average over the same window would have grown ₹1 lakh to ₹297,061.

A ₹10,000 monthly SIP in UTI - MNC Fund (UGS 10000)-Income Option over the last 5 years — total invested ₹600,000 — would be worth ₹743,149 today. That's an XIRR (money-weighted annualised return) of 8.49%.

A ₹10,000 monthly SIP for 10 years in UTI - MNC Fund (UGS 10000)-Income Option = ₹1,200,000 invested. It would currently be worth ₹1,972,708 (multiplier 1.64×). XIRR: 9.60%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, UTI - MNC Fund (UGS 10000)-Income Option ranks #76 out of 104 funds in the Sectoral/Thematic Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 12.16%; this fund delivered 9.30%.

The worst peak-to-trough decline UTI - MNC Fund (UGS 10000)-Income Option has experienced over the last 5-year window is 21.86% — its NAV fell from a high on 01 Oct 2024 to a low on 07 Apr 2025. 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 - MNC Fund (UGS 10000)-Income Option averaged 12.63% (best 23.64%, worst -1.21%). 99% of rolling windows ended positive. The 5-year Sharpe ratio is 0.24 — weak risk-adjusted performance.

In calendar year 2025, UTI - MNC Fund (UGS 10000)-Income Option returned 2.91% — lagging the Sectoral/Thematic Fund category average of 3.20% by 0.28 pp. It ranked #49 of 115 in its category that year.

UTI - MNC Fund (UGS 10000)-Income 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 - MNC Fund (UGS 10000)-Income 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: 21.9%. 5-year CAGR: 9.30%.

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