ReviewDirect · GrowthPrefer peers first
UTI Medium Term Fund
UTI Mutual FundIncome/Debt Oriented Schemes - Medium Term Fund11.6 years
- NAV
- 20.6054
- 29 Oct 2026
- 1Y
- +3.4%
- Trailing CAGR
- AUM
- ₹33.97 Cr
- 30 Sept 2026
- Volatility
- Low
- 2.1% 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
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 · Three-year return sits below the 25th percentile of comparable share classes.
Prefer peers if · Prefer Bandhan Medium Term Fund if you want a same-category peer with stronger evidence.
Buy checklist
History depth
Pass
11.6 years of path to read.
Engine status
Fail
The live read flags issues. Inspect same-category alternatives before buying.
Expense ratio
Pass
0.94% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -5.3%. Ask whether you can hold through a similar fall.
Vs category
Fail
23% 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 ≈ 89.5% 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+3.4%
- 3Y+6.6%
- 5Y+5.8%
- 10Y+5.8%
- SI+6.4%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+2.6%
- 3Y+5.3%
- 5Y+6.0%
- 10Y+5.7%
- Since inception
- +6.4%
- Calendar-day CAGR
- Excess 1Y
- -1.7%
- Category median, same plan and option
- 3Y win rate
- +23%
- Windows beating the median
- 3Y percentile
- 9
- Vs comparable share classes
- SIP 3Y XIRR
- +5.3%
- Simulated monthly SIP
- Worst rolling 3Y
- +3.2%
- 2074 daily-ending windows
- Median rolling 3Y
- +6.3%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 1592 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -5.3%
- Worst peak-to-trough
- Current
- -1.1%
- Below last peak
- Current spell
- 76 days
- Days below latest peak
- Time below peak
- +57%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 6 days
- 285 recovered episodes
- Longest recovery
- 286 days
- Trough to prior peak
14 Feb 2020 – 4 Jan 2021
Trough 24 Mar 2020 · recovered in 286 days
-5.3%
30 Mar 2022 – 2 Aug 2022
Trough 9 May 2022 · recovered in 85 days
-1.7%
3 Jun 2019 – 8 Jul 2019
Trough 10 Jun 2019 · recovered in 28 days
-1.5%
14 Aug 2026 – open
Trough 23 Oct 2026 · not recovered
-1.3%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
9
Vs category
39
Consistency
25
Risk-adjusted
39
Drawdown
87
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.
- Three-year return sits below the 25th percentile of comparable share classes.
Supporting reads
- Peak-to-trough drawdown has stayed shallower than 15%.
Portfolio
30 Sept 2026 · 16 holdings · top 10 are 89.5%.
- Top 5
- 63.3%
- Top 10
- 89.5%
- Largest holding
- 19.2%
- Effective holdings
- 9.5
GOI Sec 7.18 14/08/2033
Entities
19.2%
Net Current Assets
Unspecified
14.6%
GOVERNMENT OF INDIA 31909 GOI 22AG32 7.26 FV RS 100
Entities
11.9%
STATE DEVELOPMENT LOAN 32803 UP 29MR33 7.79 FV RS 100
Unspecified
9.0%
BAJAJ FINANCE LIMITED NCD 7.38 28JU30 FVRS1LAC
Financial
8.6%
What changed
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
28 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
27 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
26 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
23 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
22 Oct 2026
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Bandhan Medium Term Fund
Bandhan Mutual Fund
- 1Y
- +5.2%
- 3Y
- +7.5%
- Vol
- 2.0%
- Max DD
- -3.6%
- Sharpe
- 0.83
- 3Y win
- +29%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
HDFC Medium Term Fund
HDFC Mutual Fund
- 1Y
- +5.3%
- 3Y
- +7.7%
- Vol
- 1.7%
- Max DD
- -3.5%
- Sharpe
- 1.24
- 3Y win
- +65%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
HSBC Medium Term Fund
HSBC Mutual Fund
- 1Y
- +4.3%
- 3Y
- +7.5%
- Vol
- 1.2%
- Max DD
- -1.0%
- Sharpe
- 1.25
- 3Y win
- +87%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
ICICI Prudential Medium Term Fund
ICICI Prudential Mutual Fund
- 1Y
- +5.6%
- 3Y
- +8.1%
- Vol
- 1.9%
- Max DD
- -5.1%
- Sharpe
- 1.29
- 3Y win
- +80%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Invesco India Medium Term Fund
Invesco Mutual Fund
- 1Y
- +3.6%
- 3Y
- +6.9%
- Vol
- 1.5%
- Max DD
- -2.3%
- Sharpe
- -0.00
- 3Y win
- 0%
- Lower volatility
- Shallower drawdown
- Lower TER
- Higher trailing returns