HealthyDirect · GrowthFit for a long SIP
UTI Fixed Term Income Fund Series XXXVI - I (1574 Days)
UTI Mutual FundClose Ended Schemes(Income/Debt Oriented Schemes - Fixed Term Plan3.7 years
- NAV
- 13.1039
- 26 Oct 2026
- 1Y
- +5.3%
- Trailing CAGR
- AUM
- ₹47.98 Cr
- 30 Jun 2026
- Volatility
- Low
- 1.2% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 26 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 · Risk-adjusted return sits above the documented risk-free proxy.
Fits if · Peak-to-trough drawdown has stayed shallower than 15%.
Buy checklist
History depth
Watch
3.7 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
n/a
TER not on file yet.
Drawdown vs peers
Pass
Peak-to-trough -0.6%. 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+5.3%
- 3Y+7.7%
- 5Yn/a
- 10Yn/a
- SI+7.6%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+5.1%
- 3Y+6.8%
- 5Yn/a
- 10Yn/a
- Since inception
- +7.6%
- 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
- +6.8%
- Simulated monthly SIP
- Worst rolling 3Y
- +7.3%
- 157 daily-ending windows
- Median rolling 3Y
- +7.6%
- 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
- -0.6%
- Worst peak-to-trough
- Current
- 0.0%
- At peak
- Current spell
- 0 days
- Days below latest peak
- Time below peak
- +43%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 3 days
- 136 recovered episodes
- Longest recovery
- 22 days
- Trough to prior peak
27 Sept 2023 – 31 Oct 2023
Trough 9 Oct 2023 · recovered in 22 days
-0.6%
27 Jun 2023 – 13 Jul 2023
Trough 7 Jul 2023 · recovered in 6 days
-0.4%
4 Aug 2025 – 1 Sept 2025
Trough 12 Aug 2025 · recovered in 20 days
-0.3%
6 Jun 2025 – 24 Jun 2025
Trough 13 Jun 2025 · recovered in 11 days
-0.3%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
42
Vs category
n/a
Consistency
n/a
Risk-adjusted
100
Drawdown
99
Mean
80
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
- 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.