MonitorDirect · GrowthWatch before adding
UTI Long Term Fund
UTI Mutual FundIncome/Debt Oriented Schemes - Long Term Fund3.6 years
The scheme aims to generate optimal returns with adequate liquidity by investing in a portfolio of debt and money market instruments. However, there can be no assurance that the investment objective of the Scheme will be achieved. The Scheme does not guarantee / indicate any returns.
- NAV
- 12.0749
- 29 Oct 2026
- 1Y
- -0.4%
- Trailing CAGR
- AUM
- ₹59.71 Cr
- 30 Sept 2026
- Volatility
- Low
- 3.9% 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
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
In three lines
Fits if · Peak-to-trough drawdown has stayed shallower than 15%.
Prefer peers if · Prefer Aditya Birla Sun Life Long Term Fund if you want a same-category peer with stronger evidence.
Buy checklist
History depth
Watch
3.6 years - usable, still building a track record.
Engine status
Watch
Recent evidence is mixed. Compare peers before increasing exposure.
Expense ratio
Pass
0.09% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -5.7%. 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
Watch
Pankaj Pathak · 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 ≈ 100.0% 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
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-0.4%
- 3Y+5.2%
- 5Yn/a
- 10Yn/a
- SI+5.3%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y-1.0%
- 3Y+2.0%
- 5Yn/a
- 10Yn/a
- Since inception
- +5.3%
- Calendar-day CAGR
- Excess 1Y
- -0.1%
- Category median, same plan and option
- 3Y win rate
- 0%
- Windows beating the median
- 3Y percentile
- 0
- Vs comparable share classes
- SIP 3Y XIRR
- +2.0%
- Simulated monthly SIP
- Worst rolling 3Y
- +4.8%
- 148 daily-ending windows
- Median rolling 3Y
- +5.6%
- 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
- -5.7%
- Worst peak-to-trough
- Current
- -3.6%
- Below last peak
- Current spell
- 76 days
- Days below latest peak
- Time below peak
- +83%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 8 days
- 52 recovered episodes
- Longest recovery
- 132 days
- Trough to prior peak
16 May 2025 – 12 Aug 2026
Trough 2 Apr 2026 · recovered in 132 days
-5.7%
14 Aug 2026 – open
Trough 23 Oct 2026 · not recovered
-4.1%
14 Sept 2023 – 15 Nov 2023
Trough 9 Oct 2023 · recovered in 37 days
-1.9%
27 Jan 2025 – 12 Mar 2025
Trough 4 Mar 2025 · recovered in 8 days
-1.3%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
0
Vs category
50
Consistency
9
Risk-adjusted
19
Drawdown
86
Mean
33
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
- Three-year return sits below the 25th percentile of comparable share classes.
- Risk-adjusted return (Sharpe) is negative over the available daily history.
Supporting reads
- Peak-to-trough drawdown has stayed shallower than 15%.
Portfolio
30 Sept 2026 · 7 holdings · top 10 are 100.0%.
- Top 5
- 99.2%
- Top 10
- 100.0%
- Largest holding
- 45.1%
- Effective holdings
- 3.0
GOVERNMENT OF INDIA 35840 GOI 15AP65 6.9 FV RS 100
Entities
45.1%
GOVERNMENT OF INDIA 36320 GOI 18AG55 7.24 FV RS 100
Entities
31.8%
GOVERNMENT OF INDIA 34733 GOI 05AG54 7.09 FV RS 100
Entities
15.7%
Net Current Assets
Unspecified
5.0%
GOI Sec 7.23 15/04/2039
Entities
1.7%
What changed
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
8 Sept 2026
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Aditya Birla Sun Life Long Term Fund
Aditya Birla Sun Life Mutual Fund
- 1Y
- +0.8%
- 3Y
- +6.4%
- Vol
- 3.1%
- Max DD
- -3.3%
- Sharpe
- 0.30
- 3Y win
- +100%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher TER
SBI Long Term Fund
SBI Mutual Fund
- 1Y
- +0.8%
- 3Y
- +6.1%
- Vol
- 3.7%
- Max DD
- -4.4%
- Sharpe
- 0.10
- 3Y win
- +80%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher TER
Franklin India Long Term Fund
Franklin Templeton Mutual Fund
- 1Y
- +1.9%
- 3Y
- n/a
- Vol
- 3.4%
- Max DD
- -4.3%
- Sharpe
- -0.53
- 3Y win
- n/a
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
Caveat: Higher TER · Lower trailing returns
BANDHAN LONG TERM FUND
Bandhan Mutual Fund
- 1Y
- +1.6%
- 3Y
- n/a
- Vol
- 4.0%
- Max DD
- -4.6%
- Sharpe
- -0.32
- 3Y win
- n/a
- Shallower drawdown
- Higher win rate vs category
Caveat: Higher volatility · Higher TER · Lower trailing returns
HDFC Long Term Fund
HDFC Mutual Fund
- 1Y
- -0.5%
- 3Y
- +5.7%
- Vol
- 4.2%
- Max DD
- -6.0%
- Sharpe
- -0.04
- 3Y win
- +11%
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown · Higher TER