Should I invest in UTI Multi Asset Allocation Fund?

We don't give personal investment advice. UTI Multi Asset Allocation Fund - Direct Plan - Growth Option is suitable for an investor whose:horizon is 3-5 years — too short for pure equity, too long for pure debtwants a single fund that automatically rebalances between equity and debtis comfortable trading some upside for lower volatility vs a pure equity fundCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 11.4%. 5-year CAGR: 14.35%.

UTI

UTI Multi Asset Allocation Fund - Direct Plan - Growth Option

Latest NAV

₹87.8246

As of

17 Jul 2026

3,331 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	+0.37%	+0.15%	+0.22	4 / 35	Q1
1W	-0.16%	-0.24%	+0.08	14 / 35	Q2
2W	-0.38%	-0.37%	-0.01	19 / 35	Q3
1M	-0.21%	+0.08%	-0.30	23 / 35	Q3
3M	+0.60%	+0.91%	-0.31	20 / 35	Q3
6M	-0.98%	+1.12%	-2.10	29 / 33	Q4
YTD	-0.47%	+2.11%	-2.58	26 / 33	Q4
1Y	+6.34%	+11.74%	-5.40	26 / 30	Q4
2Y	+6.41%	+9.73%	-3.32	23 / 24	Q4
3Y	+16.44%	+15.50%	+0.94	7 / 13	Q3
4Y	+18.05%	+17.50%	+0.55	4 / 8	Q2
5Y	+14.35%	+15.03%	-0.69	4 / 8	Q2
7Y	+13.96%	+16.69%	-2.73	5 / 6	Q4
10Y	+11.38%	+13.79%	-2.41	6 / 6	Q4
Inception	+10.14%	+12.75%	-2.61	28 / 35	Q4

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	-0.47%	+2.11%	-2.58	26 / 33
2025	+12.07%	+17.52%	-5.45	22 / 26
2024	+21.85%	+16.83%	+5.02	2 / 15
2023	+30.00%	+22.93%	+7.07	1 / 9
2022	+5.34%	+7.52%	-2.18	6 / 8
2021	+12.50%	+25.85%	-13.35	8 / 8
2020	+13.89%	+17.95%	-4.07	5 / 6
2019	+4.68%	+10.15%	-5.47	6 / 6
2018	+0.63%	+1.16%	-0.53	4 / 6
2017	+17.78%	+14.77%	+3.01	2 / 6
2016	+7.71%	+9.99%	-2.28	5 / 6

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

+12.15%

153 windows

min -11.5% · max 43.0%

87% positive

3-Year rolling

+11.23%

129 windows

min -0.8% · max 23.6%

98% positive

5-Year rolling

+10.45%

105 windows

min 1.6% · max 20.9%

100% positive

7-Year rolling

+10.07%

80 windows

min 5.2% · max 14.7%

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

8.39%

3-year · annualised

Sharpe ratio

1.09

vs risk-free 6.5%

Sortino ratio

2.13

Downside-only deviation

Max drawdown

-11.03%

Jan 2026 → Mar 2026

% positive months

72.2%

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 Multi Asset Allocation Fund

Scheme	Fund house	NAV	As of
HDFC Multi-Asset Fund - Growth Option - Direct Plan	HDFC	₹84.2300	17 Jul 2026
Nippon India Multi Asset Allocation Fund - Direct Plan - Growth Option	Nippon India	₹26.6486	17 Jul 2026
SBI MULTI ASSET ALLOCATION FUND - DIRECT PLAN - GROWTH	SBI	₹74.5817	17 Jul 2026
ICICI Prudential Multi-Asset Fund - Direct Plan - Growth	ICICI Prudential	₹899.7555	17 Jul 2026
Invesco India Multi Asset Allocation Fund - Direct Plan - Growth	Invesco	₹12.6100	17 Jul 2026
Bandhan Multi Asset Allocation Fund - Direct Plan - Growth	Bandhan	₹14.6315	17 Jul 2026
quant Multi Asset Allocation Fund-GROWTH OPTION-Direct Plan	Quant	₹184.9035	17 Jul 2026
Quantum Multi Asset Allocation Fund - Direct Plan Growth Option	Quantum	₹12.2600	17 Jul 2026
Aditya Birla Sun Life Multi Asset Allocation Fund-Direct Growth	Aditya Birla Sun Life	₹17.6792	17 Jul 2026
Franklin India Multi Asset Allocation Fund- Direct-Growth	Franklin India	₹11.0754	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹87.8246
16 Jul 2026	₹87.5039
15 Jul 2026	₹87.5552
14 Jul 2026	₹87.2804
13 Jul 2026	₹87.9065
10 Jul 2026	₹87.9643
9 Jul 2026	₹87.3634
8 Jul 2026	₹86.7712
7 Jul 2026	₹88.1549
6 Jul 2026	₹88.3592

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 Multi Asset Allocation Fund - Direct Plan - Growth Option is ₹87.8246. It's a Multi Asset Allocation Fund from UTI, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

UTI Multi Asset Allocation Fund - Direct Plan - Growth Option has NAV history starting from 02 Jan 2013, a track record of about 13 years 6 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

UTI Multi Asset Allocation Fund - Direct Plan - Growth Option is managed by UTI. It's classified by AMFI under the 'Multi Asset Allocation Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, UTI Multi Asset Allocation Fund - Direct Plan - Growth Option has delivered a absolute return of 6.34% — -5.4 pp behind the Multi Asset Allocation Fund category average of 11.74%. The fund ranks #26 of 30 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, UTI Multi Asset Allocation Fund - Direct Plan - Growth Option has delivered a CAGR of 16.44% — +0.94 pp ahead of the Multi Asset Allocation Fund category average of 15.50%. The fund ranks #7 of 13 in its category — the third (Q3) quartile.

Over the trailing 5-year window, UTI Multi Asset Allocation Fund - Direct Plan - Growth Option has delivered a CAGR of 14.35% — -0.69 pp behind the Multi Asset Allocation Fund category average of 15.03%. The fund ranks #4 of 8 in its category — the second (Q2) quartile.

₹1 lakh invested in UTI Multi Asset Allocation Fund - Direct Plan - Growth Option exactly 10 years ago would be worth approximately ₹293,832 today — a multiplier of 2.94×, based on the 10-year CAGR of 11.38%. The category average over the same window would have grown ₹1 lakh to ₹363,959.

A ₹10,000 monthly SIP in UTI Multi Asset Allocation Fund - Direct Plan - Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹861,793 today. That's an XIRR (money-weighted annualised return) of 14.46%.

A ₹10,000 monthly SIP for 10 years in UTI Multi Asset Allocation Fund - Direct Plan - Growth Option = ₹1,200,000 invested. It would currently be worth ₹2,372,278 (multiplier 1.98×). XIRR: 13.07%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, UTI Multi Asset Allocation Fund - Direct Plan - Growth Option ranks #4 out of 8 funds in the Multi Asset Allocation Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 15.03%; this fund delivered 14.35%.

The worst peak-to-trough decline UTI Multi Asset Allocation Fund - Direct Plan - Growth Option has experienced over the last 5-year window is 11.44% — its NAV fell from a high on 17 Jan 2022 to a low on 20 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 Multi Asset Allocation Fund - Direct Plan - Growth Option averaged 10.45% (best 20.89%, worst 1.63%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.81 — reasonable risk-adjusted performance.

In calendar year 2025, UTI Multi Asset Allocation Fund - Direct Plan - Growth Option returned 12.07% — lagging the Multi Asset Allocation Fund category average of 17.52% by 5.45 pp. It ranked #22 of 26 in its category that year.

UTI Multi Asset Allocation Fund - Direct Plan - Growth Option is a Hybrid scheme. Tax treatment follows its actual equity allocation as disclosed by the AMC: at least 65% equity behaves like an equity fund (12.5% LTCG over 12 months, 20% STCG); 35-65% equity often gets an equity-style treatment with a 24-month threshold; under 35% equity is taxed at slab rate like a debt fund. Check the AMC's latest factsheet for the current classification.

We don't give personal investment advice. UTI Multi Asset Allocation Fund - Direct Plan - Growth Option is suitable for an investor whose:

horizon is 3-5 years — too short for pure equity, too long for pure debt
wants a single fund that automatically rebalances between equity and debt
is comfortable trading some upside for lower volatility vs a pure equity fund

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 11.4%. 5-year CAGR: 14.35%.

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