Should I invest in UTI NIFTY SDL Plus AAA PSU Bond Apr 2026 75:25 Index Fund?

We don't give personal investment advice. UTI NIFTY SDL Plus AAA PSU Bond Apr 2026 75:25 Index Fund - Regular Plan - Growth Option is suitable for an investor whose:understands what asset class this scheme actually invests in (check the factsheet)matches that asset class's volatility profile to their goal horizonCross-check the numbers above against alternatives before deciding.

UTI

UTI NIFTY SDL Plus AAA PSU Bond Apr 2026 75:25 Index Fund - Regular Plan - Growth Option

Latest NAV

₹12.4302

As of

30 Apr 2026

773 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	+0.01%	+0.28%	-0.27	223 / 291	Q4
1W	+0.09%	-0.98%	+1.07	89 / 291	Q2
2W	+0.18%	+0.23%	-0.05	153 / 291	Q3
1M	+0.41%	-0.27%	+0.67	57 / 289	Q1
3M	+1.27%	+0.47%	+0.80	110 / 281	Q2
6M	+2.63%	-1.88%	+4.51	41 / 273	Q1
YTD	+1.65%	-2.01%	+3.66	83 / 275	Q2
1Y	+5.82%	+1.49%	+4.33	36 / 254	Q1
2Y	+6.94%	+3.75%	+3.19	48 / 159	Q2
3Y	+6.81%	+10.70%	-3.89	101 / 126	Q4
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+6.98%	+5.52%	+1.46	138 / 291	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	+1.65%	-2.06%	+3.71	81 / 273
2025	+6.99%	+5.14%	+1.85	117 / 211
2024	+7.54%	+13.66%	-6.12	125 / 136
2023	—	—	—	—

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

+7.28%

28 windows

min 5.8% · max 8.2%

100% positive

Limited basis — fund is young, so this average may be skewed by which 1Y windows happen to be available.

3-Year rolling

+7.01%

3 windows

min 6.8% · max 7.3%

100% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

—

Insufficient history

7-Year rolling

—

Insufficient history

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

0.47%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.12%

Oct 2023 → Oct 2023

% positive months

100.0%

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 Index Fund

Scheme	Fund house	NAV	As of
HDFC CRISIL-IBX Financial Services 3-6 Months Debt Index Fund - Regular Growth Plan	HDFC	₹10.7170	3 Jun 2026
Nippon India CRISIL - IBX AAA Financial Services - Dec 2026 Index Fund - Regular Plan - Growth Option	Nippon India	₹11.1921	3 Jun 2026
SBI CRISIL - IBX Financial Services 3-6 Months Debt Index Fund - Regular Plan - Growth	SBI	₹10.0571	3 Jun 2026
BANDHAN CRISIL IBX 90:10 SDL PLUS GILT - NOV 2026 INDEX FUND - REGULAR GROWTH	Bandhan	₹12.7599	3 Jun 2026
Aditya Birla Sun Life Crisil IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund-Regular Growth	Aditya Birla Sun Life	₹13.0246	3 Jun 2026
Mirae Asset CRISIL IBX Gilt Index - April 2033 Index Fund - Regular Plan - Growth	Mirae Asset	₹12.9896	3 Jun 2026
Kotak CRISIL - IBX AAA Bond Financial Services Index Dec 2026 Fund - Regular - Growth	Kotak	₹10.9305	3 Jun 2026
Edelweiss CRISIL IBX 50:50 Gilt Plus SDL April 2037 Index Fund - Regular Plan - Growth	Edelweiss	₹13.0273	3 Jun 2026
DSP CRISIL-IBX 50:50 Gilt Plus SDL - April 2033 Index Fund - Regular - Growth	DSP	₹12.6392	3 Jun 2026
HSBC CRISIL IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund - Regular - Growth	HSBC	₹12.9924	3 Jun 2026

Recent NAVs

Date	NAV
30 Apr 2026	₹12.4302
29 Apr 2026	₹12.4285
28 Apr 2026	₹12.4269
27 Apr 2026	₹12.4254
24 Apr 2026	₹12.4196
23 Apr 2026	₹12.4193
22 Apr 2026	₹12.4178
21 Apr 2026	₹12.4161
20 Apr 2026	₹12.4147
17 Apr 2026	₹12.4095

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 30 Apr 2026, the NAV of UTI NIFTY SDL Plus AAA PSU Bond Apr 2026 75:25 Index Fund - Regular Plan - Growth Option is ₹12.4302. It's a Index Fund from UTI, run as a Regular plan Growth option. NAVs update once per business day from the AMFI feed.

UTI NIFTY SDL Plus AAA PSU Bond Apr 2026 75:25 Index Fund - Regular Plan - Growth Option has NAV history starting from 13 Feb 2023, a track record of about 3 years 3 months. It's a relatively new scheme. With under 5 years of NAVs, peer comparison is the best yardstick — point-to-point returns can be skewed by entry timing.

UTI NIFTY SDL Plus AAA PSU Bond Apr 2026 75:25 Index Fund - Regular Plan - Growth Option is managed by UTI. It's classified by AMFI under the 'Index Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, UTI NIFTY SDL Plus AAA PSU Bond Apr 2026 75:25 Index Fund - Regular Plan - Growth Option has delivered a absolute return of 5.82% — +4.33 pp ahead of the Index Fund category average of 1.49%. The fund ranks #36 of 254 in its category — the top (Q1) quartile.

Over the trailing 3-year window, UTI NIFTY SDL Plus AAA PSU Bond Apr 2026 75:25 Index Fund - Regular Plan - Growth Option has delivered a CAGR of 6.81% — -3.89 pp behind the Index Fund category average of 10.70%. The fund ranks #101 of 126 in its category — the bottom (Q4) quartile.

UTI NIFTY SDL Plus AAA PSU Bond Apr 2026 75:25 Index Fund - Regular Plan - Growth Option doesn't have a complete 5-year window yet (we need at least 5 year of NAVs). Check the shorter-window returns above.

₹1 lakh invested in UTI NIFTY SDL Plus AAA PSU Bond Apr 2026 75:25 Index Fund - Regular Plan - Growth Option exactly 3 years ago would be worth approximately ₹121,850 today — a multiplier of 1.22×, based on the 3-year CAGR of 6.81%. The category average over the same window would have grown ₹1 lakh to ₹135,665.

A ₹10,000 monthly SIP in UTI NIFTY SDL Plus AAA PSU Bond Apr 2026 75:25 Index Fund - Regular Plan - Growth Option over the last 3 years — total invested ₹360,000 — would be worth ₹398,327 today. That's an XIRR (money-weighted annualised return) of 6.67%.

UTI NIFTY SDL Plus AAA PSU Bond Apr 2026 75:25 Index Fund - Regular Plan - Growth Option doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹398,327 — XIRR 6.67%.

On a 3-year basis, UTI NIFTY SDL Plus AAA PSU Bond Apr 2026 75:25 Index Fund - Regular Plan - Growth Option ranks #101 out of 126 funds in the Index Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 10.70%; this fund delivered 6.81%.

The worst peak-to-trough decline UTI NIFTY SDL Plus AAA PSU Bond Apr 2026 75:25 Index Fund - Regular Plan - Growth Option has experienced over the last 3-year window is 0.12% — its NAV fell from a high on 05 Oct 2023 to a low on 06 Oct 2023. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 3-year rolling windows, UTI NIFTY SDL Plus AAA PSU Bond Apr 2026 75:25 Index Fund - Regular Plan - Growth Option averaged 7.01% (best 7.25%, worst 6.81%). 100% of rolling windows ended positive.

In calendar year 2025, UTI NIFTY SDL Plus AAA PSU Bond Apr 2026 75:25 Index Fund - Regular Plan - Growth Option returned 6.99% — beating the Index Fund category average of 5.14% by 1.85 pp. It ranked #117 of 211 in its category that year.

UTI NIFTY SDL Plus AAA PSU Bond Apr 2026 75:25 Index Fund - Regular Plan - Growth Option doesn't fit cleanly into the standard Equity/Debt buckets in our taxonomy. Tax treatment depends on actual asset allocation as disclosed by the AMC — check the factsheet or AMFI's classification table.

We don't give personal investment advice. UTI NIFTY SDL Plus AAA PSU Bond Apr 2026 75:25 Index Fund - Regular Plan - Growth Option is suitable for an investor whose:

understands what asset class this scheme actually invests in (check the factsheet)
matches that asset class's volatility profile to their goal horizon

Cross-check the numbers above against alternatives before deciding.

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