HealthyDirect · GrowthFit for a long SIP
UTI Annual Interval Fund - I
UTI Mutual FundClose Ended Schemes(Income/Debt Oriented Schemes - Other Debt Scheme13.2 years
- NAV
- 37.2239
- 29 Oct 2026
- 1Y
- +5.2%
- Trailing CAGR
- AUM
- ₹5.16 Cr
- 30 Jun 2026
- Volatility
- Low
- 1.7% 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
Pass
13.2 years of path to read.
Engine status
Pass
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Expense ratio
n/a
TER not on file yet.
Drawdown vs peers
Pass
Peak-to-trough -6.6%. Ask whether you can hold through a similar fall.
Vs category
n/a
Category relative read still thin.
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
n/a
Holdings weights not on file for this scheme yet.
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+5.2%
- 3Y+6.1%
- 5Y+5.8%
- 10Y+5.5%
- SI+6.4%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+5.1%
- 3Y+5.7%
- 5Y+5.9%
- 10Y+5.6%
- Since inception
- +6.4%
- Calendar-day CAGR
- Excess 1Y
- n/a
- Category median, same plan and option
- 3Y win rate
- n/a
- Windows beating the median
- 3Y percentile
- n/a
- Vs comparable share classes
- SIP 3Y XIRR
- +5.7%
- Simulated monthly SIP
- Worst rolling 3Y
- +3.0%
- 2470 daily-ending windows
- Median rolling 3Y
- +6.1%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 1986 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -6.6%
- Worst peak-to-trough
- Current
- 0.0%
- At peak
- Current spell
- 0 days
- Days below latest peak
- Time below peak
- +15%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 8 days
- 86 recovered episodes
- Longest recovery
- 448 days
- Trough to prior peak
3 Jun 2019 – 27 Aug 2020
Trough 6 Jun 2019 · recovered in 448 days
-6.6%
26 Aug 2013 – 4 Sept 2013
Trough 28 Aug 2013 · recovered in 7 days
-0.3%
28 Nov 2013 – 10 Dec 2013
Trough 29 Nov 2013 · recovered in 11 days
-0.3%
13 Sept 2022 – 3 Oct 2022
Trough 27 Sept 2022 · recovered in 6 days
-0.2%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
37
Vs category
n/a
Consistency
n/a
Risk-adjusted
41
Drawdown
83
Mean
54
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%.
No holdings or recent changes on file for this scheme yet.