ReviewPlan n/a · Option n/aPrefer peers first
UTI - Long Term Advantage Fund Series VII
- NAV
- 13.1836
- 24 Sept 2021
- 1Y
- +54.5%
- Trailing CAGR
- AUM
- ₹235.24 Cr
- 31 Aug 2026
- Volatility
- High
- 19.9% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 24 Sept 2021
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 · Maximum drawdown exceeded 35%.
Prefer peers if · Prefer Kotak India Fund Series 4 if you want a same-category peer with stronger evidence.
Buy checklist
History depth
Pass
8.6 years of path to read.
Engine status
Fail
The live read flags issues. Inspect same-category alternatives before buying.
Expense ratio
n/a
TER not on file yet.
Drawdown vs peers
Watch
Peak-to-trough -42.6%. Ask whether you can hold through a similar fall.
Vs category
Fail
0% 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 ≈ 55.1% 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.
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+54.5%
- 3Y+13.0%
- 5Yn/a
- 10Yn/a
- SI+8.2%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+43.0%
- 3Y+25.5%
- 5Yn/a
- 10Yn/a
- Since inception
- +8.2%
- Calendar-day CAGR
- Excess 1Y
- +46.6%
- Category median, same plan and option
- 3Y win rate
- 0%
- Windows beating the median
- 3Y percentile
- 43
- Vs comparable share classes
- SIP 3Y XIRR
- +25.5%
- Simulated monthly SIP
- Worst rolling 3Y
- +3.0%
- 122 daily-ending windows
- Median rolling 3Y
- +7.8%
- 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
- -42.6%
- Worst peak-to-trough
- Current
- 0.0%
- At peak
- Current spell
- 0 days
- Days below latest peak
- Time below peak
- +92%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 15 days
- 25 recovered episodes
- Longest recovery
- 255 days
- Trough to prior peak
30 Apr 2018 – 4 Dec 2020
Trough 24 Mar 2020 · recovered in 255 days
-42.6%
15 Feb 2021 – 24 May 2021
Trough 12 Apr 2021 · recovered in 42 days
-7.9%
13 Jan 2021 – 2 Feb 2021
Trough 29 Jan 2021 · recovered in 4 days
-4.8%
16 Dec 2020 – 29 Dec 2020
Trough 21 Dec 2020 · recovered in 8 days
-4.7%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
43
Vs category
100
Consistency
21
Risk-adjusted
35
Drawdown
0
Mean
40
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.
- Maximum drawdown exceeded 35%.
- AUM fell by 30% or more versus the prior observation.
Supporting reads
No supporting reads in the current evidence set.
Portfolio
31 Aug 2026 · 59 holdings · top 10 are 55.1%.
- Top 5
- 37.9%
- Top 10
- 55.1%
- Largest holding
- n/a
- Effective holdings
- n/a
Asset mix
Equity
92.7%
Cash
7.3%
Sectors
Others
100.0%
What changed
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
24 Sept 2021
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Kotak India Fund Series 4
Kotak Mahindra Mutual Fund
- 1Y
- +50.3%
- 3Y
- +25.4%
- Vol
- 17.0%
- Max DD
- -29.1%
- Sharpe
- 0.87
- 3Y win
- +100%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Kotak India Fund Series 7
Kotak Mahindra Mutual Fund
- 1Y
- +38.2%
- 3Y
- n/a
- Vol
- 19.7%
- Max DD
- -30.0%
- Sharpe
- 0.51
- 3Y win
- n/a
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Reliance Capital Builder Fund II - Series B
Nippon India Mutual Fund
- 1Y
- +2.6%
- 3Y
- +18.1%
- Vol
- 19.2%
- Max DD
- -33.5%
- Sharpe
- 0.18
- 3Y win
- +100%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Reliance Capital Builder Fund- Series A
Nippon India Mutual Fund
- 1Y
- +31.3%
- 3Y
- n/a
- Vol
- 18.4%
- Max DD
- -23.0%
- Sharpe
- 0.81
- 3Y win
- n/a
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Reliance Close Ended Equity Fund II- Series A
Nippon India Mutual Fund
- 1Y
- +1.7%
- 3Y
- +13.7%
- Vol
- 13.8%
- Max DD
- -17.4%
- Sharpe
- 0.58
- 3Y win
- +100%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns