MonitorPlan n/a · Option n/aWatch before adding
UTI - Dual Advantage Fixed Term Fund Series IV-IV (1997 Days)
- NAV
- 15.2636
- 18 Aug 2022
- 1Y
- +4.8%
- Trailing CAGR
- AUM
- ₹15.26 Cr
- 30 Sept 2022
- Volatility
- Low
- 3.1% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 18 Aug 2022
Stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
In three lines
Fits if · The fund beat the category median in 85% of rolling 3-year windows.
Fits if · Three-year return is above the category median.
Prefer peers if · Prefer Kotak FMP Series 137 (371 Days) if you want a same-category peer with stronger evidence.
Buy checklist
History depth
Pass
9.7 years of path to read.
Engine status
Watch
Recent evidence is mixed. Compare peers before increasing exposure.
Expense ratio
n/a
TER not on file yet.
Drawdown vs peers
Pass
Peak-to-trough -3.9%. Ask whether you can hold through a similar fall.
Vs category
Pass
85% 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
n/a
Holdings weights not on file for this scheme yet.
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+4.8%
- 3Y+10.6%
- 5Y+8.4%
- 10Yn/a
- SI+8.1%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+5.3%
- 3Y+10.0%
- 5Y+9.7%
- 10Yn/a
- Since inception
- +8.1%
- Calendar-day CAGR
- Excess 1Y
- +0.5%
- Category median, same plan and option
- 3Y win rate
- +85%
- Windows beating the median
- 3Y percentile
- 81
- Vs comparable share classes
- SIP 3Y XIRR
- +10.0%
- Simulated monthly SIP
- Worst rolling 3Y
- +4.2%
- 607 daily-ending windows
- Median rolling 3Y
- +10.2%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 113 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -3.9%
- Worst peak-to-trough
- Current
- 0.0%
- At peak
- Current spell
- 0 days
- Days below latest peak
- Time below peak
- +68%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 6 days
- 125 recovered episodes
- Longest recovery
- 70 days
- Trough to prior peak
13 Feb 2020 – 30 Apr 2020
Trough 23 Mar 2020 · recovered in 38 days
-3.9%
18 Oct 2021 – 4 Apr 2022
Trough 7 Mar 2022 · recovered in 28 days
-3.0%
11 Apr 2022 – 20 Jul 2022
Trough 20 Jun 2022 · recovered in 30 days
-2.3%
14 Jan 2021 – 4 Feb 2021
Trough 29 Jan 2021 · recovered in 6 days
-1.9%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
81
Vs category
53
Consistency
66
Risk-adjusted
57
Drawdown
90
Mean
70
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
- AUM fell by 30% or more versus the prior observation.
Supporting reads
- The fund beat the category median in 85% of rolling 3-year windows.
- Three-year return is above the category median.
- Risk-adjusted return sits above the documented risk-free proxy.
- Peak-to-trough drawdown has stayed shallower than 15%.
No holdings or recent changes on file for this scheme yet.
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Kotak FMP Series 137 (371 Days)
Kotak Mahindra Mutual Fund
- 1Y
- +8.4%
- 3Y
- +8.8%
- Vol
- 0.5%
- Max DD
- -0.1%
- Sharpe
- 5.64
- 3Y win
- +100%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
Caveat: Lower trailing returns
Kotak FMP Series 172 (1126 Days)
Kotak Mahindra Mutual Fund
- 1Y
- +8.6%
- 3Y
- +9.7%
- Vol
- 0.8%
- Max DD
- -0.2%
- Sharpe
- 4.83
- 3Y win
- +100%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
Caveat: Lower trailing returns
Kotak FMP Series 178 (1099 Days)
Kotak Mahindra Mutual Fund
- 1Y
- +7.3%
- 3Y
- n/a
- Vol
- 0.7%
- Max DD
- -0.4%
- Sharpe
- 3.41
- 3Y win
- n/a
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
Caveat: Lower trailing returns
Nippon India Fixed Maturity Plan - XLIV - Series 1
Nippon India Mutual Fund
- 1Y
- +5.4%
- 3Y
- +7.7%
- Vol
- 1.0%
- Max DD
- -0.6%
- Sharpe
- 1.62
- 3Y win
- +100%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
Caveat: Lower trailing returns
Reliance Fixed Horizon Fund XXXI- Series 5
Nippon India Mutual Fund
- 1Y
- +7.9%
- 3Y
- +7.6%
- Vol
- 0.8%
- Max DD
- -0.5%
- Sharpe
- 2.21
- 3Y win
- +100%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
Caveat: Lower trailing returns