MonitorDirect · GrowthWatch before adding
UTI 10 year Constant Maturity Gilt Fund
UTI Mutual FundIncome/Debt Oriented Schemes - 10-year Constant Maturity Gilt Fund4.2 years
- NAV
- 13.1025
- 30 Oct 2026
- 1Y
- +1.5%
- Trailing CAGR
- AUM
- ₹105.04 Cr
- 30 Sept 2026
- Volatility
- Low
- 3.0% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 30 Oct 2026
Stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
In three lines
Fits if · Peak-to-trough drawdown has stayed shallower than 15%.
Prefer peers if · Prefer Bandhan 10 year Constant Maturity Gilt Fund if you want a same-category peer with stronger evidence.
Buy checklist
History depth
Watch
4.2 years - usable, still building a track record.
Engine status
Watch
Recent evidence is mixed. Compare peers before increasing exposure.
Expense ratio
Pass
0.33% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -3.3%. Ask whether you can hold through a similar fall.
Vs category
Fail
12% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
n/a
Manager not listed.
Exit load
n/a
No exit-load summary on file.
Tax / wrapper
Pass
Direct Growth, no ELSS lock flagged. Equity LTCG rules still apply after one year - not tax advice.
Portfolio concentration
Watch
Top 10 holdings ≈ 100.0% of the portfolio.
Browse category
Same-category peers are preloaded into compare when available.
Before you buy or SIP
Behaviour and wrappers - the usual India MF failure modes - not a buy instruction.
SIP discipline
Monitor is recent mixed evidence - keep the SIP unless the buying brief says prefer peers, then swap with intent.
NAV
Path not in current snapshots
n/a
Returns
Trailing CAGR and simulated monthly SIP XIRR from daily NAV. Category comparison uses the median of comparable share classes in the peer set.
Trailing CAGR
Point-to-point, calendar-day annualized
- 1Y+1.5%
- 3Y+6.5%
- 5Yn/a
- 10Yn/a
- SI+6.4%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y-0.2%
- 3Y+4.1%
- 5Yn/a
- 10Yn/a
- Since inception
- +6.4%
- Calendar-day CAGR
- Excess 1Y
- -0.2%
- Category median, same plan and option
- 3Y win rate
- +12%
- Windows beating the median
- 3Y percentile
- 50
- Vs comparable share classes
- SIP 3Y XIRR
- +4.1%
- Simulated monthly SIP
- Worst rolling 3Y
- +6.2%
- 301 daily-ending windows
- Median rolling 3Y
- +7.7%
- Calendar-day CAGR
- Positive rolling 5Y
- n/a
- 0 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -3.3%
- Worst peak-to-trough
- Current
- -2.9%
- Below last peak
- Current spell
- 77 days
- Days below latest peak
- Time below peak
- +76%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 6 days
- 106 recovered episodes
- Longest recovery
- 71 days
- Trough to prior peak
14 Aug 2026 – open
Trough 23 Oct 2026 · not recovered
-3.3%
11 Mar 2026 – 12 Jun 2026
Trough 2 Apr 2026 · recovered in 71 days
-2.7%
13 Sept 2022 – 24 Nov 2022
Trough 3 Oct 2022 · recovered in 52 days
-2.1%
28 May 2025 – 8 Oct 2025
Trough 26 Aug 2025 · recovered in 43 days
-1.7%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
50
Vs category
49
Consistency
27
Risk-adjusted
35
Drawdown
92
Mean
50
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Monitor
Buying stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
Why this status
No status reasons yet. History is still thin.
Supporting reads
- Peak-to-trough drawdown has stayed shallower than 15%.
Portfolio
30 Sept 2026 · 8 holdings · top 10 are 100.0%.
- Top 5
- 95.9%
- Top 10
- 100.0%
- Largest holding
- 56.2%
- Effective holdings
- 2.8
GOVERNMENT OF INDIA 37426 GOI 11MY36 6.94 FV RS 100
Entities
56.2%
GOVERNMENT OF INDIA 36574 GOI 06OT35 6.48 FV RS 100
Entities
13.6%
Net Current Assets
Unspecified
12.8%
GOI Sec 7.18 24/07/2037
Entities
8.5%
GOVERNMENT OF INDIA 35031 GOI 07OT34 6.79 FV RS 100
Entities
4.7%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Bandhan 10 year Constant Maturity Gilt Fund
Bandhan Mutual Fund
- 1Y
- +2.5%
- 3Y
- +7.2%
- Vol
- 3.3%
- Max DD
- -5.0%
- Sharpe
- 0.78
- 3Y win
- +62%
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
ICICI Prudential 10 year Constant Maturity Gilt Fund
ICICI Prudential Mutual Fund
- 1Y
- +2.1%
- 3Y
- +6.9%
- Vol
- 3.8%
- Max DD
- -4.7%
- Sharpe
- 0.62
- 3Y win
- +74%
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
SBI 10 YEAR CONSTANT MATURITY GILT FUND
SBI Mutual Fund
- 1Y
- +1.3%
- 3Y
- +6.5%
- Vol
- 3.1%
- Max DD
- -4.5%
- Sharpe
- 0.76
- 3Y win
- +60%
- Higher win rate vs category
- Lower TER
Caveat: Higher volatility · Deeper drawdown · Lower trailing returns
DSP 10 year Constant Maturity Gilt Fund
DSP Mutual Fund
- 1Y
- +0.2%
- 3Y
- +5.9%
- Vol
- 4.0%
- Max DD
- -5.5%
- Sharpe
- 0.29
- 3Y win
- +0%
- Lower TER
Caveat: Higher volatility · Deeper drawdown · Lower trailing returns