HealthyDirect · GrowthFit for a long SIP
UTI Dynamic Term Fund
UTI Mutual FundIncome/Debt Oriented Schemes - Dynamic Term Fund13.8 years
- NAV
- 35.4262
- 29 Oct 2026
- 1Y
- +3.7%
- Trailing CAGR
- AUM
- ₹401.14 Cr
- 31 Jul 2026
- Volatility
- Low
- 4.0% 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 · The fund beat the category median in 66% of rolling 3-year windows.
Fits if · Three-year return is above the category median.
Buy checklist
History depth
Pass
13.8 years of path to read.
Engine status
Pass
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Expense ratio
Pass
0.56% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -8.1%. Ask whether you can hold through a similar fall.
Vs category
Pass
66% 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 ≈ 80.6% 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+3.7%
- 3Y+7.2%
- 5Y+7.5%
- 10Y+6.6%
- SI+7.8%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+3.1%
- 3Y+5.6%
- 5Y+6.7%
- 10Y+7.1%
- Since inception
- +7.8%
- Calendar-day CAGR
- Excess 1Y
- +1.0%
- Category median, same plan and option
- 3Y win rate
- +66%
- Windows beating the median
- 3Y percentile
- 65
- Vs comparable share classes
- SIP 3Y XIRR
- +5.6%
- Simulated monthly SIP
- Worst rolling 3Y
- +1.0%
- 2619 daily-ending windows
- Median rolling 3Y
- +8.7%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 2136 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -8.1%
- Worst peak-to-trough
- Current
- -1.0%
- Below last peak
- Current spell
- 37 days
- Days below latest peak
- Time below peak
- +69%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 8 days
- 280 recovered episodes
- Longest recovery
- 381 days
- Trough to prior peak
26 Dec 2018 – 25 Jun 2020
Trough 10 Jun 2019 · recovered in 381 days
-8.1%
28 May 2013 – 4 Oct 2013
Trough 19 Aug 2013 · recovered in 46 days
-2.7%
24 Nov 2016 – 8 May 2017
Trough 27 Dec 2016 · recovered in 132 days
-2.2%
5 Aug 2020 – 12 Oct 2020
Trough 24 Aug 2020 · recovered in 49 days
-1.9%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
65
Vs category
56
Consistency
62
Risk-adjusted
50
Drawdown
80
Mean
62
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
- The fund beat the category median in 66% of rolling 3-year windows.
- Three-year return is above the category median.
- Peak-to-trough drawdown has stayed shallower than 15%.
Portfolio
31 Aug 2026 · 20 holdings · top 10 are 80.6%.
- Top 5
- 53.3%
- Top 10
- 80.6%
- Largest holding
- 28.3%
- Effective holdings
- 8.6
GOVERNMENT OF INDIA 35840 GOI 15AP65 6.9 FV RS 100
Entities
28.3%
BHARTI TELECOM LIMITED SR XIX 8.65 NCD 05NV27 FVRS1LAC
Technology
6.3%
MAHINDRA RURAL HOUSING FINANCE LIMITED SR MRHFLDD2023 8.45 NCD 22JN27 FVRS1LAC
Financial
6.3%
JAMNAGAR UTILITIES & POWER PRIVATE LIMITED SR PPD7 7.90 LOA 10AG28 FVRS1LAC
Industrials
6.3%
REC LIMITED SR 231A 7.64 BD 30AP27 FVRS1LAC
Financial
6.2%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Axis Dynamic Term Fund
Axis Mutual Fund
- 1Y
- +4.7%
- 3Y
- +7.3%
- Vol
- 3.3%
- Max DD
- -7.1%
- Sharpe
- 0.72
- 3Y win
- +77%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Kotak Dynamic Term Fund
Kotak Mahindra Mutual Fund
- 1Y
- +4.3%
- 3Y
- +7.6%
- Vol
- 2.4%
- Max DD
- -3.2%
- Sharpe
- 1.06
- 3Y win
- +89%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher TER
PGIM India Dynamic Term Fund
PGIM India Mutual Fund
- 1Y
- +2.0%
- 3Y
- +6.8%
- Vol
- 2.8%
- Max DD
- -4.1%
- Sharpe
- 0.70
- 3Y win
- +78%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
Caveat: Lower trailing returns
360 ONE Dynamic Term Fund
360 ONE Mutual Fund
- 1Y
- +3.3%
- 3Y
- +7.7%
- Vol
- 2.7%
- Max DD
- -8.0%
- Sharpe
- 0.50
- 3Y win
- +43%
- Lower volatility
- Shallower drawdown
- Lower TER
- Higher trailing returns
ICICI Prudential Dynamic Term Fund
ICICI Prudential Mutual Fund
- 1Y
- +3.5%
- 3Y
- +7.1%
- Vol
- 2.5%
- Max DD
- -3.6%
- Sharpe
- 1.31
- 3Y win
- +100%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
Caveat: Higher TER · Lower trailing returns