ReviewDirect · GrowthPrefer peers first
UTI CRISIL SDL Maturity April 2033 Index Fund
UTI Mutual FundIndex Funds - Debt Funds3.9 years
The scheme seeks to track the Index by investing in securities as represented by CRISIL IBX SDL Index - April 2033, subject to tracking errors
- NAV
- 12.861
- 29 Oct 2026
- 1Y
- +2.5%
- Trailing CAGR
- AUM
- ₹266.17 Cr
- 30 Sept 2026
- Volatility
- Low
- 2.3% 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
Prefer peers first
The live read flags issues. Inspect same-category alternatives before buying.
In three lines
Watch if · Long-term category-relative performance remains stronger than the most recent rolling 1-year windows, which have deteriorated across multiple periods.
Watch if · Three-year return sits below the 25th percentile of comparable share classes.
Prefer peers if · Prefer Baroda BNP Paribas NIFTY SDL December 2028 Index Fund if you want a same-category peer with stronger evidence.
Buy checklist
History depth
Watch
3.9 years - usable, still building a track record.
Engine status
Fail
The live read flags issues. Inspect same-category alternatives before buying.
Expense ratio
Pass
0.17% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -2.6%. Ask whether you can hold through a similar fall.
Vs category
Fail
32% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
Watch
Jaydeep Bhowal · 1.0 years on the scheme.
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 ≈ 66.8% 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.
Drawdown rehearsal
This scheme’s worst fall on file is about 3%. Before you SIP, ask whether you would keep contributing through a similar drop - pausing on fear is the usual India MF failure mode.
SIP discipline
Review does not mean stop the SIP tomorrow - compare peers first. Stopping on a red label often locks in the worst path.
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+2.5%
- 3Y+6.8%
- 5Yn/a
- 10Yn/a
- SI+6.7%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+1.3%
- 3Y+4.7%
- 5Yn/a
- 10Yn/a
- Since inception
- +6.7%
- Calendar-day CAGR
- Excess 1Y
- -2.6%
- Category median, same plan and option
- 3Y win rate
- +32%
- Windows beating the median
- 3Y percentile
- 0
- Vs comparable share classes
- SIP 3Y XIRR
- +4.7%
- Simulated monthly SIP
- Worst rolling 3Y
- +6.5%
- 207 daily-ending windows
- Median rolling 3Y
- +7.5%
- 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
- -2.6%
- Worst peak-to-trough
- Current
- -2.4%
- Below last peak
- Current spell
- 77 days
- Days below latest peak
- Time below peak
- +71%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 5 days
- 108 recovered episodes
- Longest recovery
- 71 days
- Trough to prior peak
13 Aug 2026 – open
Trough 28 Oct 2026 · not recovered
-2.6%
27 May 2025 – 13 Nov 2025
Trough 3 Sept 2025 · recovered in 71 days
-2.2%
9 Mar 2026 – 9 Jun 2026
Trough 6 Apr 2026 · recovered in 64 days
-1.8%
22 Sept 2023 – 11 Dec 2023
Trough 23 Oct 2023 · recovered in 49 days
-1.0%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
0
Vs category
34
Consistency
44
Risk-adjusted
45
Drawdown
94
Mean
43
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Review
Buying stance
Prefer peers first
The live read flags issues. Inspect same-category alternatives before buying.
Why this status
- Long-term category-relative performance remains stronger than the most recent rolling 1-year windows, which have deteriorated across multiple periods.
- Three-year return sits below the 25th percentile of comparable share classes.
Supporting reads
- The fund beat the category median in 57% of rolling 1-year windows.
- Peak-to-trough drawdown has stayed shallower than 15%.
Portfolio
30 Sept 2026 · 29 holdings · top 10 are 66.8%.
- Top 5
- 44.4%
- Top 10
- 66.8%
- Largest holding
- 9.4%
- Effective holdings
- 17.1
STATE DEVELOPMENT LOAN 32797 RAJ 29MR33 7.78 FV RS 100
Unspecified
9.4%
STATE DEVELOPMENT LOAN 32786 HAR 29MR33 7.77 FV RS 100
Unspecified
9.4%
STATE DEVELOPMENT LOAN 32706 MH 08MR33 7.7 FV RS 100
Unspecified
9.4%
STATE DEVELOPMENT LOAN 33981 KAR 21FB33 7.48 FV RS 100
Unspecified
8.7%
STATE DEVELOPMENT LOAN 32569 MP 01FB33 7.67 FV RS 100
Unspecified
7.5%
What changed
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
29 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
28 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
27 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
26 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
23 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
22 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
21 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
19 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
16 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
24 Sept 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
23 Sept 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
22 Sept 2026
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Baroda BNP Paribas NIFTY SDL December 2028 Index Fund
Baroda BNP Paribas Mutual Fund
- 1Y
- +4.1%
- 3Y
- +7.4%
- Vol
- 1.6%
- Max DD
- -1.2%
- Sharpe
- 0.88
- 3Y win
- +68%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher TER
HSBC CRISIL IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund
HSBC Mutual Fund
- 1Y
- +4.7%
- 3Y
- +7.4%
- Vol
- 1.5%
- Max DD
- -2.4%
- Sharpe
- 0.46
- 3Y win
- +71%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher TER
Mirae Asset Nifty SDL June 2028 Index Fund
Mirae Asset Mutual Fund
- 1Y
- +4.8%
- 3Y
- +7.6%
- Vol
- 1.3%
- Max DD
- -0.9%
- Sharpe
- 1.08
- 3Y win
- +99%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher TER
UTI CRISIL SDL Maturity June 2027 Index Fund
UTI Mutual Fund
- 1Y
- +5.6%
- 3Y
- +7.6%
- Vol
- 0.9%
- Max DD
- -0.4%
- Sharpe
- 1.56
- 3Y win
- +55%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher TER
UTI NIFTY SDL Plus AAA PSU Bond Apr 2028- 75:25 Index Fund
UTI Mutual Fund
- 1Y
- +4.8%
- 3Y
- +7.4%
- Vol
- 1.2%
- Max DD
- -0.7%
- Sharpe
- 1.27
- 3Y win
- +70%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher TER