UTI Medium to Long Term Fund
UTI Mutual Fund · Medium to Long Duration · Direct plan, growth option
NAV (₹), 1 Oct 2026
83.0977
1-day change
-0.07%
1Y return
3.4%
3Y CAGR
6.3%
5Y CAGR
7.0%
Max drawdown, 5Y
−2.2%
NAV history month-end NAV, ₹ · 2 Jan 2013 to 1 Oct 2026
Returns vs Medium to Long Duration median (13 schemes)
| Period | Scheme | Category median |
|---|---|---|
| 1 month | -0.3% | -0.4% |
| 3 months | -0.1% | -0.3% |
| 6 months | 3.0% | 3.3% |
| Year to date | 2.4% | 2.7% |
| 1 year | 3.4% | 3.9% |
| 3 years (CAGR) | 6.3% | 6.6% |
| 5 years (CAGR) | 7.0% | 5.8% |
| 7 years (CAGR) | 6.6% | 6.4% |
| 10 years (CAGR) | 5.3% | 6.5% |
| Since first NAV (CAGR) | 6.7% | – |
Rolling returns every business-day start date
| Measure | Scheme | Category median |
|---|---|---|
| 1Y rolling median | 7.1% | 7.3% |
| 3Y rolling median | 7.7% | 7.6% |
| 3Y rolling worst | -1.8% | 3.6% |
| 3Y periods positive | 91% | 100% |
| 3Y periods ahead of benchmark | n/a | n/a |
| 5Y rolling median | 5.4% | 7.3% |
| 5Y rolling worst | 2.3% | 5.1% |
| 5Y periods ahead of benchmark | n/a | n/a |
Benchmark: none available in MFIC's free data for this category.
Risk 36 months, monthly returns, Rf 6.5%
| Measure | Scheme | Category median |
|---|---|---|
| Standard deviation (ann.) | 2.5% | 2.7% |
| Sharpe ratio | -0.04 | 0.07 |
| Sortino ratio | -0.05 | 0.10 |
| Beta | n/a | n/a |
| Alpha (ann.) | n/a | n/a |
| Upside capture | n/a | n/a |
| Downside capture | n/a | n/a |
Drawdowns peak-to-trough falls in NAV
| Measure | Scheme | Category median |
|---|---|---|
| Maximum drawdown, full history | −13.1% | −9.9% |
| Maximum drawdown, last 10Y | −13.1% | −4.5% |
| Maximum drawdown, last 5Y | −2.2% | −2.3% |
| Current drawdown | −0.8% | −1.1% |
| Recovery time of worst fall | 548 days | – |
Longer histories include more crises, so compare the 5Y and 10Y figures across schemes of different ages.
Direct or Regular for this scheme?
The Regular plan's expense ratio is 1.64% a year and the Direct plan's 1.32%, a gap of 0.32%; over the last 3 years the Direct plan returned 0.41 percentage points a year more. On a ₹25,000 monthly SIP for 20 years (illustration at 12% a year before costs) the gap adds up to about ₹7,34,398.
With the Regular plan, that cost pays a distributor to help you plan, choose and review funds, and stay invested when markets fall. Whether it is worth it depends on how much of that you will do yourself.
TER: AMFI TER disclosure. Returns: AMFI NAVs. Illustration, not a guaranteed saving or return.
Fund managers and scheme facts Scheme Summary Document via AMFI
| Fund manager | Role | Managing since |
|---|---|---|
| Amit Sharma | 3 Nov 2025 | |
| Not Applicable | 3 Nov 2025 | |
| Not Applicable | 3 Nov 2025 |
Objective: The investment objective of the scheme is to generate optimal returns with adequate liquidity by investing in debt and money market instruments such that the Macaulay duration of the portfolio is between 4 years and 7 years. However there can be no assurance that the investment objective of the Scheme will be achieved. The Scheme does not guarantee / indicate any returns.
Stated asset allocation: (1) The Portfolio Macaulay duration would be between 4 year to 7 years: Debt Instruments (including securitised debt)*: 50- 100% Money Market Instruments (including Triparty Repos on Government Securities or treasury bill & Repo): 0-50% (2) The Portfolio Macaulay duration under anticipated adverse situation is 1 year to 7 years: Debt Instruments (including securitised debt)*: 50-100% Money Market Instruments (including Triparty Repos on Government Securities or treasury bill & Repo): 0-50% *Debt securities will also include Securitised Debt, which may go up to 50% of the portfolio
Benchmark (tier 1): CRISIL Medium to Long Duration Debt A-III Index
Minimum application: Regular Plan-Half-yearly Reinvestment of IDCW- Rs.20000, Regular Plan-Half-yearly Payout of IDCW- Rs.20000, Regular Plan-Growth- Rs.500, Regular Plan-Flexi Reinvestment of IDCW- Rs.20000, Regular Plan-Flexi Payout of IDCW- Rs.20000, Regular Plan-Quarterly Reinvestment of IDCW- Rs.20000, Regular Plan-Quarterly Payout of IDCW- Rs.20000, Direct Plan-Flexi Reinvestment of IDCW- Rs.20000, Direct Plan-Flexi Payout of IDCW- Rs.20000, Direct Plan-Half-yearly Reinvestment of IDCW- Rs.20000, Direct Plan-Half-yearly Payout of IDCW- Rs.20000, Direct Plan-Annual Reinvestment of IDCW- Rs.20000, Direct Plan-Annual Payout of IDCW- Rs.20000, Direct Plan-Growth- Rs.500, Direct Plan-Quarterly Reinvestment of IDCW- Rs.20000, Direct Plan-Quarterly Payout of IDCW- Rs.20000, Regular Plan-Annual Reinvestment of IDCW- Rs.20000, Regular Plan-Annual Payout of IDCW- Rs.20000, "Note - Fresh subscriptions in Income Distribution Cum Capital Withdrawal (IDCW) option through all modes such as Lump Sum mode (including Switches) and fresh registration of Systematic Investment Plan (SIP) and/or Systematic Transfer Plan (STP) registration, special products/features in the scheme is discontinued w.e.f. September 04, 2026:"
Allotment date: 4 May 1998
Documents: Scheme Information Document · Scheme Summary Document. Read the scheme documents before investing.
Cost, size and riskometer as disclosed to AMFI
| Measure | Scheme | Category median |
|---|---|---|
| Expense ratio (TER), Direct plan | 1.32% | 0.69% |
| AUM, whole scheme (₹ crore) | 303 | 312 |
| Riskometer | Moderately High | – |
TER: AMFI, TER of MF Schemes. AUM and riskometer: AMFI, Fund Performance, 30 Sep 2026.
Official benchmark and category consistency
| Measure | Scheme | Benchmark / category |
|---|---|---|
| Return, 1 year (AMFI) | 3.6% | 3.3% TRI |
| Return, 3 years (AMFI) | 6.3% | 6.5% TRI |
| Return, 5 years (AMFI) | 7.0% | 5.5% TRI |
| Month-ends above category median (3Y CAGR) | 52% | 53% median |
| Month-ends in category top quartile (3Y) | 47% | 25% median |
| 7Y rolling CAGR, median (monthly windows) | 5.6% | 7.3% median |
Official benchmark: CRISIL Medium to Long Duration Debt A-III Index (total return index, as published by AMFI). Category consistency: last 10 years of month-ends, Medium to Long Duration Direct plans; how it is calculated.
Calendar-year returns NAV change from 31 Dec to 31 Dec
| Year | Scheme | Benchmark | Difference |
|---|---|---|---|
| 2026 YTD | 2.4% | n/a | – |
| 2025 | 6.1% | n/a | – |
| 2024 | 8.9% | n/a | – |
| 2023 | 6.8% | n/a | – |
| 2022 | 10.2% | n/a | – |
| 2021 | 9.8% | n/a | – |
| 2020 | 1.6% | n/a | – |
| 2019 | -4.9% | n/a | – |
| 2018 | 4.7% | n/a | – |
| 2017 | 4.4% | n/a | – |
No free benchmark proxy for this category. The first year starts from the first 31 December in the scheme's history.
Monthly SIP of ₹10,000 first business day of each month, ending 1 Oct 2026
| Period | Invested | Value | XIRR |
|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1,22,226 | 3.5% |
| 3 years | ₹3,60,000 | ₹3,89,152 | 5.1% |
| 5 years | ₹6,00,000 | ₹7,01,839 | 6.2% |
| 10 years | ₹12,00,000 | ₹16,33,664 | 6.0% |
Uses this plan's NAVs; ignores stamp duty, exit loads and taxes. One historical path only — the interactive SIP analyzer shows outcomes across every start date.
Scheme facts
AMC: UTI Mutual Fund
Category: Medium to Long Duration
Plan / option: Direct · Growth
AMFI scheme code: 120689
ISIN: INF789F01SQ6
First NAV in MFIC data: 2 Jan 2013
History: 13.7 years
Portfolio holdings: see the scheme's monthly portfolio disclosure on the fund house website
Schemes that behaved similarly correlation of monthly returns, last 5 years
| Scheme | Category | Correlation | 3Y CAGR |
|---|---|---|---|
| UTI Dynamic Term Fund | Dynamic Bond | 0.98 | 7.2% |
| Aditya Birla Sun Life Long Term Fund | Long Duration | 0.97 | 6.5% |
| Nippon India Nifty G-Sec Jun 2036 Maturity Index Fund | Debt Index Fund | 0.97 | 7.3% |
| UTI 10 year Constant Maturity Gilt Fund | Gilt 10Y Constant | 0.97 | 6.7% |
| HDFC Nifty G-Sec Jun 2036 Index Fund | Debt Index Fund | 0.97 | 7.2% |
| SBI CRISIL IBX Gilt Index - June 2036 Fund | Debt Index Fund | 0.97 | 7.2% |
Questions about UTI Medium to Long Term Fund
- What is the latest NAV of UTI Medium to Long Term Fund?
- The NAV of the Direct plan (growth option) was ₹83.0977 on 1 Oct 2026, as published by AMFI.
- Which category is UTI Medium to Long Term Fund in?
- It is classified as Medium to Long Duration in AMFI's daily NAV file. MFIC compares it with 13 Medium to Long Duration schemes (Direct plans).
- What returns has UTI Medium to Long Term Fund delivered?
- Over one year the NAV changed by 3.4%. The 3-year CAGR is 6.3% (category median 6.6%) and the 5-year CAGR is 7.0% (category median 5.8%). Returns are after expenses and before tax. Past performance may or may not be sustained in future.
- How consistent have its 3-year returns been?
- Measuring a 3-year CAGR from every business day in its history, the median was 7.7%, the lowest was -1.8%, and 91% of 3-year periods ended with a gain.
- What was the largest fall in UTI Medium to Long Term Fund's NAV?
- The largest peak-to-trough fall in its available history was 13.1%; within the last five years it was 2.2% (category median 2.3%).
- How volatile is UTI Medium to Long Term Fund?
- Its annualised standard deviation of monthly returns over the last 36 months is 2.5%, which is below the Medium to Long Duration category median of 2.7%.
- What would a monthly SIP in UTI Medium to Long Term Fund have grown to?
- A SIP of ₹10,000 on the first business day of each month for the last 5 years (60 instalments, ₹6,00,000 invested) would have been worth about ₹7,01,839 on 1 Oct 2026, an annualised return (XIRR) of 6.2%. This uses the Direct plan's NAVs, ignores taxes and exit loads, and past performance may or may not be sustained in future.
- What is the expense ratio (TER) of UTI Medium to Long Term Fund?
- The total expense ratio of the Direct plan is 1.32% a year, as disclosed to AMFI (median of Medium to Long Duration Direct plans: 0.69%). It is already deducted from the NAV, so every return shown is after expenses.
- How large is UTI Medium to Long Term Fund?
- Assets under management of the whole scheme were ₹303 crore on 30 Sep 2026, as published by AMFI.
- What is the riskometer level of UTI Medium to Long Term Fund?
- AMFI lists the scheme's riskometer as “Moderately High”, and its benchmark's as “Moderate”. The riskometer is a label of potential risk set under SEBI rules, not a forecast.
- What is the benchmark of UTI Medium to Long Term Fund and how has it compared?
- Its official benchmark is the CRISIL Medium to Long Duration Debt A-III Index. Over 3 years AMFI reports a return of 6.3% for this plan against 6.5% for the benchmark total return index; over 5 years 7.0% against 5.5%. Past performance does not indicate future results.
- How often has UTI Medium to Long Term Fund beaten its category?
- At 52% of the 120 month-ends compared over the last 10 years, its 3-year return was above the median of Medium to Long Duration schemes (Direct plans); it was in the top quarter at 47% of them. A typical scheme would show about 50%.
- Who manages UTI Medium to Long Term Fund?
- According to its Scheme Summary Document, UTI Medium to Long Term Fund is managed by Amit Sharma (since 3 Nov 2025), Not Applicable (since 3 Nov 2025), Not Applicable (since 3 Nov 2025).
- What is the minimum investment in UTI Medium to Long Term Fund?
- The minimum application amount is Regular Plan-Half-yearly Reinvestment of IDCW- Rs.20000, Regular Plan-Half-yearly Payout of IDCW- Rs.20000, Regular Plan-Growth- Rs.500, Regular Plan-Flexi Reinvestment of IDCW- Rs.20000, Regular Plan-Flexi Payout of IDCW- Rs.20000, Regular Plan-Quarterly Reinvestment of IDCW- Rs.20000, Regular Plan-Quarterly Payout of IDCW- Rs.20000, Direct Plan-Flexi Reinvestment of IDCW- Rs.20000, Direct Plan-Flexi Payout of IDCW- Rs.20000, Direct Plan-Half-yearly Reinvestment of IDCW- Rs.20000, Direct Plan-Half-yearly Payout of IDCW- Rs.20000, Direct Plan-Annual Reinvestment of IDCW- Rs.20000, Direct Plan-Annual Payout of IDCW- Rs.20000, Direct Plan-Growth- Rs.500, Direct Plan-Quarterly Reinvestment of IDCW- Rs.20000, Direct Plan-Quarterly Payout of IDCW- Rs.20000, Regular Plan-Annual Reinvestment of IDCW- Rs.20000, Regular Plan-Annual Payout of IDCW- Rs.20000, "Note - Fresh subscriptions in Income Distribution Cum Capital Withdrawal (IDCW) option through all modes such as Lump Sum mode (including Switches) and fresh registration of Systematic Investment Plan (SIP) and/or Systematic Transfer Plan (STP) registration, special products/features in the scheme is discontinued w.e.f. September 04, 2026:". SIP details: SIP - D-500/W-500/M-500/Q-1500 SWP - M-500/Q-500/H-500/Y-500 STP - D-100/W-1000/M-1000/Q-3000 Flexi STP - D- 100/W-1000/M-1000/Q-3000 "Note - Fresh subscriptions in Income Distribution Cum Capital Withdrawal (IDCW) option through all modes such as Lump Sum mode (including Switches) and fresh registration of Systematic Investment Plan (SIP) and/or Systematic Transfer Plan (STP) registration, special products/features in the scheme is discontinued w.e.f. September 04, 2026:".
- What is the difference between the Direct and Regular plans?
- Both plans hold the same portfolio; the Regular plan includes distribution costs in its expense ratio. Over one year the Direct plan's NAV changed by 3.4% and the Regular plan's by 3.0%. The Regular plan includes the services of a distributor.
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Data & disclosure. Source: AMFI daily NAV file and historical NAVs via mfapi.in; calculations by MFIC, as of 1 Oct 2026. Category medians use Direct plans in the same AMFI category. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Past performance may or may not be sustained in future. This page is for research and education only and is not investment advice or a recommendation to buy, sell or hold any scheme. Integrato Financial Services Pvt. Ltd. is an AMFI-registered Mutual Fund Distributor (ARN-173155). Methodology.