HealthyDirect · GrowthFit for a long SIP
UTI 10 year Constant Maturity Gilt Fund
UTI Mutual FundIncome/Debt Oriented Schemes - 10-year Constant Maturity Gilt Fund4.2 years
- NAV
- 13.1245
- 29 Oct 2026
- 1Y
- +1.4%
- 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 29 Oct 2026
Stance
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
In three lines
Fits if · Peak-to-trough drawdown has stayed shallower than 15%.
Buy checklist
History depth
Watch
4.2 years - usable, still building a track record.
Engine status
Pass
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
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.
Evidence supports a shortlist - confirm with peers before you buy elsewhere.
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+1.4%
- 3Y+6.6%
- 5Yn/a
- 10Yn/a
- SI+6.5%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+0.2%
- 3Y+4.3%
- 5Yn/a
- 10Yn/a
- Since inception
- +6.5%
- Calendar-day CAGR
- Excess 1Y
- +0.0%
- Category median, same plan and option
- 3Y win rate
- +12%
- Windows beating the median
- 3Y percentile
- 50
- Vs comparable share classes
- SIP 3Y XIRR
- +4.3%
- Simulated monthly SIP
- Worst rolling 3Y
- +6.2%
- 300 daily-ending windows
- Median rolling 3Y
- +7.8%
- 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
- -2.7%
- Below last peak
- Current spell
- 76 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
50
Consistency
27
Risk-adjusted
36
Drawdown
92
Mean
51
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Healthy
Buying stance
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Why this status
- No material deterioration, cost shock, or persistent category underperformance in the current evidence set.
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
- +2.6%
- 3Y
- +7.3%
- Vol
- 3.3%
- Max DD
- -5.0%
- Sharpe
- 0.79
- 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
- +2.0%
- 3Y
- +6.9%
- Vol
- 3.8%
- Max DD
- -4.7%
- Sharpe
- 0.63
- 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
- 0.78
- 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
- +0.1%
- 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