Should I invest in UTI Multi Asset Allocation Fund?

We don't give personal investment advice. UTI Multi Asset Allocation Fund - Direct Plan - IDCW 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: 13.5%. 5-year CAGR: 10.24%.

UTI

UTI Multi Asset Allocation Fund - Direct Plan - IDCW

Latest NAV

₹34.1671

As of

3 Jun 2026

3,300 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	+0.56%	+0.20%	+0.36	2 / 35	Q1
1W	-0.99%	-0.98%	-0.01	19 / 35	Q3
2W	-0.34%	-0.26%	-0.08	21 / 35	Q3
1M	+0.51%	+0.13%	+0.38	10 / 35	Q2
3M	-2.46%	-2.09%	-0.37	20 / 33	Q3
6M	-2.64%	+1.40%	-4.04	29 / 33	Q4
YTD	-2.93%	-0.43%	-2.50	27 / 33	Q4
1Y	+4.32%	+11.20%	-6.88	25 / 28	Q4
2Y	+4.95%	+9.60%	-4.65	21 / 24	Q4
3Y	+13.93%	+14.61%	-0.68	8 / 14	Q3
4Y	+13.54%	+14.57%	-1.03	8 / 11	Q3
5Y	+10.24%	+12.77%	-2.53	9 / 11	Q4
7Y	+9.10%	+12.78%	-3.69	6 / 8	Q3
10Y	+6.98%	+10.06%	-3.07	6 / 8	Q3
Inception	+5.05%	+11.47%	-6.42	30 / 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	-2.93%	-0.43%	-2.50	27 / 33
2025	+8.68%	+16.31%	-7.63	23 / 26
2024	+17.89%	+15.15%	+2.74	3 / 16
2023	+24.41%	+20.71%	+3.70	6 / 12
2022	+0.44%	+5.20%	-4.76	9 / 11
2021	+8.08%	+21.30%	-13.22	11 / 11
2020	+9.40%	+14.75%	-5.35	7 / 8
2019	-0.94%	+6.12%	-7.06	7 / 8
2018	-5.00%	-2.80%	-2.20	6 / 8
2017	+10.60%	+8.47%	+2.13	3 / 8
2016	+6.03%	+5.66%	+0.37	4 / 8

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

+7.08%

152 windows

min -25.3% · max 36.9%

70% positive

3-Year rolling

+5.61%

127 windows

min -7.9% · max 18.1%

81% positive

5-Year rolling

+4.99%

103 windows

min -6.5% · max 14.6%

86% positive

7-Year rolling

+4.59%

79 windows

min -0.4% · max 9.6%

97% 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

9.85%

3-year · annualised

Sharpe ratio

0.72

vs risk-free 6.5%

Sortino ratio

1.11

Downside-only deviation

Max drawdown

-11.27%

Sep 2024 → Feb 2025

% positive months

80.6%

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 - IDCW Option - Direct Plan	HDFC	₹20.9860	3 Jun 2026
NIPPON INDIA MULTI ASSET ALLOCATION FUND - DIRECT Plan - IDCW Option	Nippon India	₹25.6345	2 Jun 2026
SBI Multi Asset Allocation Fund - Direct Plan - Annual Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹42.0337	3 Jun 2026
ICICI Prudential Multi-Asset Fund - Direct Plan - IDCW	ICICI Prudential	₹58.7577	2 Jun 2026
Invesco India Multi Asset Allocation Fund - Direct Plan - IDCW	Invesco	₹12.4400	3 Jun 2026
Bandhan Multi Asset Allocation Fund - Direct Plan - IDCW	Bandhan	₹13.6390	2 Jun 2026
quant Multi Asset Allocation Fund - IDCW Option - Direct Plan	Quant	₹165.9244	3 Jun 2026
Aditya Birla Sun Life Multi Asset Allocation Fund-Direct IDCW	Aditya Birla Sun Life	₹15.5761	3 Jun 2026
Franklin India Multi Asset Allocation Fund- Direct- IDCW	Franklin India	₹10.9111	3 Jun 2026
Mirae Asset Multi Asset Allocation Fund - Direct Plan - IDCW	Mirae Asset	₹13.7070	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹34.1671
2 Jun 2026	₹34.3688
1 Jun 2026	₹34.1774
29 May 2026	₹34.4380
27 May 2026	₹34.7624
26 May 2026	₹34.7107
25 May 2026	₹34.7745
22 May 2026	₹34.5408
21 May 2026	₹34.4932
20 May 2026	₹34.4762

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 03 Jun 2026, the NAV of UTI Multi Asset Allocation Fund - Direct Plan - IDCW is ₹34.1671. It's a Multi Asset Allocation Fund from UTI, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

UTI Multi Asset Allocation Fund - Direct Plan - IDCW has NAV history starting from 02 Jan 2013, a track record of about 13 years 5 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 - IDCW 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 - IDCW has delivered a absolute return of 4.32% — -6.88 pp behind the Multi Asset Allocation Fund category average of 11.20%. The fund ranks #25 of 28 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, UTI Multi Asset Allocation Fund - Direct Plan - IDCW has delivered a CAGR of 13.93% — -0.68 pp behind the Multi Asset Allocation Fund category average of 14.61%. The fund ranks #8 of 14 in its category — the third (Q3) quartile.

Over the trailing 5-year window, UTI Multi Asset Allocation Fund - Direct Plan - IDCW has delivered a CAGR of 10.24% — -2.53 pp behind the Multi Asset Allocation Fund category average of 12.77%. The fund ranks #9 of 11 in its category — the bottom (Q4) quartile.

₹1 lakh invested in UTI Multi Asset Allocation Fund - Direct Plan - IDCW exactly 10 years ago would be worth approximately ₹196,427 today — a multiplier of 1.96×, based on the 10-year CAGR of 6.98%. The category average over the same window would have grown ₹1 lakh to ₹260,733.

A ₹10,000 monthly SIP in UTI Multi Asset Allocation Fund - Direct Plan - IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹786,358 today. That's an XIRR (money-weighted annualised return) of 10.75%.

A ₹10,000 monthly SIP for 10 years in UTI Multi Asset Allocation Fund - Direct Plan - IDCW = ₹1,200,000 invested. It would currently be worth ₹1,880,615 (multiplier 1.57×). XIRR: 8.69%. 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 - IDCW ranks #9 out of 11 funds in the Multi Asset Allocation Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 12.77%; this fund delivered 10.24%.

The worst peak-to-trough decline UTI Multi Asset Allocation Fund - Direct Plan - IDCW has experienced over the last 5-year window is 13.51% — 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 - IDCW averaged 4.99% (best 14.58%, worst -6.52%). 86% of rolling windows ended positive. The 5-year Sharpe ratio is 0.41 — weak risk-adjusted performance.

In calendar year 2025, UTI Multi Asset Allocation Fund - Direct Plan - IDCW returned 8.68% — lagging the Multi Asset Allocation Fund category average of 16.31% by 7.63 pp. It ranked #23 of 26 in its category that year.

UTI Multi Asset Allocation Fund - Direct Plan - IDCW 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 - IDCW 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: 13.5%. 5-year CAGR: 10.24%.

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