UTI Gilt Fund
Direct · Growth ₹67.73
02 Nov 2026
NAV
8.1%
3Y CAGR
7.8%
5Y CAGR
8.0%
10Y CAGR
8.1%
Weighted CAGR
?
Weighted Mean CAGR
Gives more importance to longer time periods (10Y, 20Y) than shorter ones (1Y, 3Y). This balances out recent outperformance and gives a more realistic picture of what long-term returns might look like.
Gives more importance to longer time periods (10Y, 20Y) than shorter ones (1Y, 3Y). This balances out recent outperformance and gives a more realistic picture of what long-term returns might look like.
2.92
Sharpe
-8.1%
Max Drawdown
?
Max Drawdown
The largest peak-to-trough decline in the fund's NAV. Shows the worst-case loss an investor would have experienced at any point in the fund's history.
The largest peak-to-trough decline in the fund's NAV. Shows the worst-case loss an investor would have experienced at any point in the fund's history.
0.42%
TER
If you invested ₹1,00,000 every month via SIP, here's how this fund has historically performed across different time horizons.
| Duration | Invested | Median Value | XIRR | Min XIRR | Max XIRR |
|---|---|---|---|---|---|
| 1 Year | ₹12.00 L | ₹12.40 L | 8.2% | -3.4% | 30.6% |
| 3 Years | ₹36.00 L | ₹40.11 L | 8.0% | 3.0% | 16.1% |
| 5 Years | ₹60.00 L | ₹71.17 L | 7.5% | 5.3% | 10.9% |
| 7 Years | ₹84.00 L | ₹1.06 Cr | 7.4% | 5.3% | 10.9% |
| 10 Years | ₹1.20 Cr | ₹1.73 Cr | 7.1% | 5.9% | 7.7% |
| 12 Years | ₹1.44 Cr | ₹2.26 Cr | 7.3% | 6.4% | 8.1% |
SIP returns vs benchmark & category
Annualised SIP return (XIRR) over each rolling horizon — like-for-like, not lump-sum.
| Duration | Fund SIP XIRR | Category avg |
|---|---|---|
| 1 Year | 8.2% | 5.2% |
| 3 Years | 8.0% | 7.2% |
| 5 Years | 7.5% | 7.4% |
| 7 Years | 7.4% | 7.9% |
| 10 Years | 7.1% | 7.6% |
| 12 Years | 7.3% | 7.7% |
| Duration | Mean | Median | Min | Max | Sharpe | Sortino | % Positive | Cat. Mean | Cat. Median |
|---|---|---|---|---|---|---|---|---|---|
| 1 Year | 8.2% | 7.4% | -0.4% | 24.4% | 0.32 | 0.75 | 100% | — | — |
| 3 Years | 8.1% | 8.2% | 3.6% | 14.8% | 0.66 | 2.08 | 100% | — | — |
| 5 Years | 7.8% | 7.3% | 5.2% | 11.3% | 0.78 | 3.74 | 100% | — | — |
| 10 Years | 8.0% | 8.0% | 6.7% | 9.0% | 2.92 | — | 100% | — | — |
-8.1%
Max Drawdown
3 mo
Drawdown Duration
9 mo
Recovery Time
-0.7%
Avg Drawdown
Calmar Ratio by Duration
1.01
1Y
1.00
3Y
0.97
5Y
0.99
7Y
0.99
10Y
1.02
12Y