Should I invest in UTI Multi Asset Allocation Fund?

We don't give personal investment advice. UTI Multi Asset Allocation Fund - Regular 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: 14.2%. 5-year CAGR: 8.33%.

UTI

UTI Multi Asset Allocation Fund - Regular Plan - IDCW

Latest NAV

₹29.1333

As of

24 Jul 2026

4,329 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	-1.04%	-0.28%	-0.76	9 / 9	Q4
1W	-1.44%	-1.08%	-0.36	7 / 7	Q4
2W	-1.62%	-1.28%	-0.34	7 / 7	Q4
1M	-0.77%	-0.56%	-0.21	3 / 5	Q3
3M	+0.15%	-0.13%	+0.28	3 / 5	Q3
6M	-3.15%	-2.10%	-1.05	4 / 5	Q4
YTD	-4.14%	-2.85%	-1.29	4 / 5	Q4
1Y	+1.26%	+3.86%	-2.60	4 / 5	Q4
2Y	+1.83%	+4.20%	-2.37	3 / 4	Q3
3Y	+10.76%	+12.15%	-1.39	3 / 4	Q3
4Y	+11.14%	+13.39%	-2.24	3 / 4	Q3
5Y	+8.33%	+11.90%	-3.57	4 / 4	Q4
7Y	+7.91%	+11.49%	-3.57	4 / 4	Q4
10Y	+4.89%	+8.61%	-3.72	3 / 4	Q3
Inception	+6.20%	+4.29%	+1.91	4 / 9	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	-4.14%	-2.85%	-1.29	4 / 5
2025	+6.88%	+11.85%	-4.97	4 / 4
2024	+16.22%	+15.53%	+0.69	2 / 4
2023	+22.74%	+22.53%	+0.22	3 / 4
2022	-0.94%	+7.09%	-8.03	4 / 4
2021	+6.83%	+18.89%	-12.07	4 / 4
2020	+7.54%	+6.92%	+0.62	3 / 4
2019	-2.12%	+0.72%	-2.84	3 / 4
2018	-6.23%	-5.53%	-0.70	3 / 4
2017	+9.28%	+17.19%	-7.91	4 / 4
2016	+5.31%	+6.37%	-1.06	3 / 4

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

+6.24%

203 windows

min -26.3% · max 51.1%

66% positive

3-Year rolling

+4.83%

178 windows

min -7.5% · max 17.2%

77% positive

5-Year rolling

+4.02%

154 windows

min -6.4% · max 14.5%

88% positive

7-Year rolling

+3.22%

130 windows

min -1.3% · max 8.3%

92% 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

9.08%

3-year · annualised

Sharpe ratio

0.46

vs risk-free 6.5%

Sortino ratio

0.72

Downside-only deviation

Max drawdown

-11.94%

Sep 2024 → Feb 2025

% positive months

69.4%

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.

Peers in Multi Asset Allocation Fund

Scheme	Fund house	NAV	As of
ICICI Prudential Multi-Asset Fund - Growth	ICICI Prudential	₹801.5252	24 Jul 2026
Franklin India Multi Asset Allocation Fund- Growth	Franklin India	₹10.7865	24 Jul 2026
UTI Multi Asset Allocation Fund - Regular Plan - Growth Option	UTI	₹77.8855	24 Jul 2026
JM Multi Asset Allocation Fund (Direct) - Growth Option		₹9.8883	24 Jul 2026

Recent NAVs

Date	NAV
24 Jul 2026	₹29.1333
23 Jul 2026	₹29.4398
22 Jul 2026	₹29.5916
21 Jul 2026	₹29.6898
20 Jul 2026	₹29.6192
17 Jul 2026	₹29.5601
16 Jul 2026	₹29.4531
15 Jul 2026	₹29.4712
14 Jul 2026	₹29.3796
13 Jul 2026	₹29.5912

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 24 Jul 2026, the NAV of UTI Multi Asset Allocation Fund - Regular Plan - IDCW is ₹29.1333. It's a Multi Asset Allocation Fund from UTI, run as a Unknown plan Growth option. NAVs update once per business day from the AMFI feed.

UTI Multi Asset Allocation Fund - Regular Plan - IDCW has NAV history starting from 18 Dec 2008, a track record of about 17 years 7 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 Multi Asset Allocation Fund - Regular 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 - Regular Plan - IDCW has delivered a absolute return of 1.26% — -2.6 pp behind the Multi Asset Allocation Fund category average of 3.86%. The fund ranks #4 of 5 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, UTI Multi Asset Allocation Fund - Regular Plan - IDCW has delivered a CAGR of 10.76% — -1.39 pp behind the Multi Asset Allocation Fund category average of 12.15%. The fund ranks #3 of 4 in its category — the third (Q3) quartile.

Over the trailing 5-year window, UTI Multi Asset Allocation Fund - Regular Plan - IDCW has delivered a CAGR of 8.33% — -3.57 pp behind the Multi Asset Allocation Fund category average of 11.90%. The fund ranks #4 of 4 in its category — the bottom (Q4) quartile.

₹1 lakh invested in UTI Multi Asset Allocation Fund - Regular Plan - IDCW exactly 10 years ago would be worth approximately ₹161,122 today — a multiplier of 1.61×, based on the 10-year CAGR of 4.89%. The category average over the same window would have grown ₹1 lakh to ₹228,327.

A ₹10,000 monthly SIP in UTI Multi Asset Allocation Fund - Regular Plan - IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹743,944 today. That's an XIRR (money-weighted annualised return) of 8.53%.

A ₹10,000 monthly SIP for 10 years in UTI Multi Asset Allocation Fund - Regular Plan - IDCW = ₹1,200,000 invested. It would currently be worth ₹1,723,987 (multiplier 1.44×). XIRR: 7.04%. 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 - Regular Plan - IDCW ranks #4 out of 4 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 11.90%; this fund delivered 8.33%.

The worst peak-to-trough decline UTI Multi Asset Allocation Fund - Regular Plan - IDCW has experienced over the last 5-year window is 14.23% — its NAV fell from a high on 18 Oct 2021 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 - Regular Plan - IDCW averaged 4.02% (best 14.50%, worst -6.42%). 88% of rolling windows ended positive. The 5-year Sharpe ratio is 0.21 — weak risk-adjusted performance.

In calendar year 2025, UTI Multi Asset Allocation Fund - Regular Plan - IDCW returned 6.88% — lagging the Multi Asset Allocation Fund category average of 11.85% by 4.97 pp. It ranked #4 of 4 in its category that year.

UTI Multi Asset Allocation Fund - Regular 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 - Regular 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: 14.2%. 5-year CAGR: 8.33%.

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