Should I invest in UTI Services Industries Fund-Income Option?

We don't give personal investment advice. UTI Services Industries Fund-Income 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. Worst 5-year drawdown: 30.5%. 5-year CAGR: 13.12%.

UTI

UTI Services Industries Fund-Income Option

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	+0.66%	+0.06%	+0.59	54 / 299	Q1
1W	+2.20%	-3.61%	+5.81	40 / 303	Q1
2W	+4.09%	-4.52%	+8.61	28 / 303	Q1
1M	+0.96%	-5.64%	+6.60	109 / 302	Q2
3M	+8.54%	-4.27%	+12.81	65 / 302	Q1
6M	+24.11%	+1.48%	+22.63	36 / 307	Q1
YTD	+25.39%	-0.18%	+25.57	41 / 309	Q1
1Y	+54.98%	+7.10%	+47.87	21 / 307	Q1
2Y	+27.78%	+2.20%	+25.58	24 / 303	Q1
3Y	+22.21%	+0.76%	+21.45	22 / 264	Q1
4Y	+11.54%	+0.58%	+10.95	60 / 235	Q2
5Y	+13.12%	+0.02%	+13.10	38 / 208	Q1
7Y	+6.24%	+3.12%	+3.12	82 / 130	Q3
10Y	—	—	—	—	—
Inception	+3.16%	+0.51%	+2.65	191 / 310	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
2014 YTD	+25.39%	+34.59%	-9.20	98 / 133
2013	+17.78%	+0.03%	+17.76	3 / 154
2012	+32.87%	+23.57%	+9.30	44 / 190
2011	-26.57%	-23.68%	-2.89	168 / 241
2010	+15.42%	+11.69%	+3.73	102 / 256
2009	+67.89%	+65.86%	+2.03	135 / 238
2008	-63.64%	-52.86%	-10.78	163 / 198
2007	+1.87%	+42.91%	-41.05	129 / 137
2006	—	—	—	—

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

+6.44%

91 windows

min -62.2% · max 94.4%

60% positive

3-Year rolling

+1.99%

66 windows

min -22.5% · max 27.4%

59% positive

5-Year rolling

+2.55%

42 windows

min -10.9% · max 21.7%

45% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

7-Year rolling

+0.75%

18 windows

min -2.8% · max 6.2%

50% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

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

15.15%

3-year · annualised

Sharpe ratio

1.02

vs risk-free 6.5%

Sortino ratio

2.01

Downside-only deviation

Max drawdown

-15.21%

Oct 2011 → Dec 2011

% positive months

66.7%

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.

Recent NAVs

Date	NAV
22 Aug 2014	₹39.9897
21 Aug 2014	₹39.7285
20 Aug 2014	₹39.6150
19 Aug 2014	₹39.4478
18 Aug 2014	₹39.4250
14 Aug 2014	₹39.1277
13 Aug 2014	₹39.0673
12 Aug 2014	₹38.9136
11 Aug 2014	₹38.6550
8 Aug 2014	₹38.4180

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.

UTI Services Industries Fund-Income Option is a Growth from UTI (Unknown plan, Growth option). Latest NAV isn't currently available in our feed — the AMC publishes it once per business day after market close.

UTI Services Industries Fund-Income Option has NAV history starting from 03 Apr 2006, a track record of about 20 years 2 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 Services Industries Fund-Income Option is managed by UTI. It's classified by AMFI under the 'Growth' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, UTI Services Industries Fund-Income Option has delivered a absolute return of 54.98% — +47.87 pp ahead of the Growth category average of 7.10%. The fund ranks #21 of 307 in its category — the top (Q1) quartile.

Over the trailing 3-year window, UTI Services Industries Fund-Income Option has delivered a CAGR of 22.21% — +21.45 pp ahead of the Growth category average of 0.76%. The fund ranks #22 of 264 in its category — the top (Q1) quartile.

Over the trailing 5-year window, UTI Services Industries Fund-Income Option has delivered a CAGR of 13.12% — +13.1 pp ahead of the Growth category average of 0.02%. The fund ranks #38 of 208 in its category — the top (Q1) quartile.

₹1 lakh invested in UTI Services Industries Fund-Income Option exactly 5 years ago would be worth approximately ₹185,223 today — a multiplier of 1.85×, based on the 5-year CAGR of 13.12%. The category average over the same window would have grown ₹1 lakh to ₹100,100.

A ₹10,000 monthly SIP in UTI Services Industries Fund-Income Option over the last 5 years — total invested ₹600,000 — would be worth ₹933,930 today. That's an XIRR (money-weighted annualised return) of 17.72%.

UTI Services Industries Fund-Income Option doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,417,294 — XIRR 14.67%.

On a 5-year basis, UTI Services Industries Fund-Income Option ranks #38 out of 208 funds in the Growth category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 0.02%; this fund delivered 13.12%.

The worst peak-to-trough decline UTI Services Industries Fund-Income Option has experienced over the last 5-year window is 30.46% — its NAV fell from a high on 13 Oct 2010 to a low on 20 Dec 2011. 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 Services Industries Fund-Income Option averaged 2.55% (best 21.66%, worst -10.95%). 45% of rolling windows ended positive. The 5-year Sharpe ratio is 0.45 — weak risk-adjusted performance.

In calendar year 2013, UTI Services Industries Fund-Income Option returned 17.78% — beating the Growth category average of 0.03% by 17.76 pp. It ranked #3 of 154 in its category that year.

UTI Services Industries Fund-Income 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 Services Industries Fund-Income 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. Worst 5-year drawdown: 30.5%. 5-year CAGR: 13.12%.

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