UTI Multi Asset Allocation Fund
UTI Mutual Fund · Multi Asset Allocation · Direct plan, growth option
NAV (₹), 1 Oct 2026
84.8131
1-day change
-0.51%
1Y return
1.8%
3Y CAGR
14.0%
5Y CAGR
12.6%
Max drawdown, 5Y
−11.4%
NAV history month-end NAV, ₹ · 2 Jan 2013 to 1 Oct 2026
Returns vs Multi Asset Allocation median (37 schemes)
| Period | Scheme | Category median |
|---|---|---|
| 1 month | -5.0% | -3.9% |
| 3 months | -2.7% | -1.8% |
| 6 months | 3.2% | 4.0% |
| Year to date | -4.3% | 0.1% |
| 1 year | 1.8% | 6.4% |
| 3 years (CAGR) | 14.0% | 14.0% |
| 5 years (CAGR) | 12.6% | 12.7% |
| 7 years (CAGR) | 13.3% | 13.8% |
| 10 years (CAGR) | 10.8% | 11.6% |
| Since first NAV (CAGR) | 9.7% | – |
Rolling returns every business-day start date
| Measure | Scheme | Category median |
|---|---|---|
| 1Y rolling median | 9.5% | 12.5% |
| 3Y rolling median | 9.8% | 17.0% |
| 3Y rolling worst | -3.7% | 4.4% |
| 3Y periods positive | 99% | 100% |
| 3Y periods ahead of benchmark | n/a | n/a |
| 5Y rolling median | 9.3% | 13.8% |
| 5Y rolling worst | -0.4% | 1.9% |
| 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.) | 11.2% | 9.9% |
| Sharpe ratio | 0.67 | 0.76 |
| Sortino ratio | 0.98 | 1.10 |
| 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 | −25.0% | −12.0% |
| Maximum drawdown, last 10Y | −25.0% | −27.2% |
| Maximum drawdown, last 5Y | −11.4% | −10.5% |
| Current drawdown | −6.4% | −5.8% |
| Recovery time of worst fall | 122 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 1.81% a year and the Direct plan's 0.89%, a gap of 0.92%; over the last 3 years the Direct plan returned 1.20 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 ₹21,48,245.
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.
Recent disclosure changes last 120 days, as disclosed via AMFI
- 1 Oct 2026: TER reduced from 0.90% to 0.89% (AMFI TER disclosure)
- 28 Sep 2026: TER increased from 0.89% to 0.90% (AMFI TER disclosure)
Fund managers and scheme facts Scheme Summary Document via AMFI
| Fund manager | Role | Managing since |
|---|---|---|
| Sharwan Kumar Goyal | n/a | |
| amp | n/a | |
| Lokesh Kulthia | n/a | |
| Jaydeep Bhowal | n/a |
Objective: The scheme seeks to generate long term capital appreciation by investing across asset classes. However, there is no assurance or guarantee that the investment objective of the scheme will be achieved.
Stated asset allocation: Equity & equity related instruments (Including units of REITS): 65-80% Debt and Money Market instruments (including securitised debt)*: 10-25% Commodity ETFs, Exchange Traded Commodity Derivatives: 10-25% (High) Units issued by InvITs: 0-10% *The fund may invest up to 50% of its debt portfolio in securitized debt
Benchmark (tier 1): 65% BSE 200 TRI + 25% CRISIL Composite Bond Index + 7% Domestic Price of Gold + 2% Domestic Price of Silver + 1% iCOMDEX Composite Index
Exit load: (A) Redemption / Switch out within 30 days from the date of allotment – 1.00% (B) Redemption / Switch out after 30 days from the date of allotment – NIL
Minimum application: Regular Plan-Growth- Rs.5000, Regular Plan-Reinvestment of IDCW- Rs.5000, Regular Plan-Payout of IDCW- Rs.5000, Direct Plan-Growth- Rs.5000, Direct Plan-Reinvestment of IDCW- Rs.5000, Direct Plan-Payout of IDCW- Rs.5000,
Allotment date: 19 Nov 2008
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 | 0.89% | 0.85% |
| AUM, whole scheme (₹ crore) | 6,634 | 1,913 |
| Riskometer | Very 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 |
|---|---|---|
| Month-ends above category median (3Y CAGR) | 33% | 40% median |
| Month-ends in category top quartile (3Y) | 10% | 29% median |
| 7Y rolling CAGR, median (monthly windows) | 9.3% | 11.6% median |
Official benchmark: 65% BSE 200 TRI + 25% CRISIL Composite Bond Index + 7% Domestic Price of Gold + 2% Domestic Price of Silver + 1% iCOMDEX Composite Index (total return index, as published by AMFI). Category consistency: last 10 years of month-ends, Multi Asset Allocation Direct plans; how it is calculated.
Calendar-year returns NAV change from 31 Dec to 31 Dec
| Year | Scheme | Benchmark | Difference |
|---|---|---|---|
| 2026 YTD | -4.3% | n/a | – |
| 2025 | 12.4% | n/a | – |
| 2024 | 21.9% | n/a | – |
| 2023 | 30.2% | n/a | – |
| 2022 | 5.3% | n/a | – |
| 2021 | 12.7% | n/a | – |
| 2020 | 14.0% | n/a | – |
| 2019 | 4.8% | n/a | – |
| 2018 | 0.5% | n/a | – |
| 2017 | 18.2% | 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 | ₹1,17,238 | -4.2% |
| 3 years | ₹3,60,000 | ₹3,94,566 | 6.0% |
| 5 years | ₹6,00,000 | ₹8,11,517 | 12.0% |
| 10 years | ₹12,00,000 | ₹22,45,007 | 12.0% |
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: Multi Asset Allocation
Plan / option: Direct · Growth
AMFI scheme code: 120760
ISIN: INF789F01VE6
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 |
|---|---|---|---|
| Mirae Asset Multi Asset Allocation Fund | Multi Asset Allocation | 0.95 | n/a |
| Edelweiss Balanced Advantage Fund | Balanced Advantage | 0.95 | 9.8% |
| Baroda BNP Paribas Equity Savings Fund | Equity Savings | 0.95 | 8.9% |
| Canara Robeco Balanced Advantage Fund | Balanced Advantage | 0.94 | n/a |
| Tata Multi Asset Allocation Fund | Multi Asset Allocation | 0.94 | 12.0% |
| Baroda BNP Paribas Multi Asset Fund | Multi Asset Allocation | 0.94 | 13.5% |
Questions about UTI Multi Asset Allocation Fund
- What is the latest NAV of UTI Multi Asset Allocation Fund?
- The NAV of the Direct plan (growth option) was ₹84.8131 on 1 Oct 2026, as published by AMFI.
- Which category is UTI Multi Asset Allocation Fund in?
- It is classified as Multi Asset Allocation in AMFI's daily NAV file. MFIC compares it with 37 Multi Asset Allocation schemes (Direct plans).
- What returns has UTI Multi Asset Allocation Fund delivered?
- Over one year the NAV changed by 1.8%. The 3-year CAGR is 14.0% (category median 14.0%) and the 5-year CAGR is 12.6% (category median 12.7%). 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 9.8%, the lowest was -3.7%, and 99% of 3-year periods ended with a gain.
- What was the largest fall in UTI Multi Asset Allocation Fund's NAV?
- The largest peak-to-trough fall in its available history was 25.0%; within the last five years it was 11.4% (category median 10.5%).
- How volatile is UTI Multi Asset Allocation Fund?
- Its annualised standard deviation of monthly returns over the last 36 months is 11.2%, which is above the Multi Asset Allocation category median of 9.9%.
- What would a monthly SIP in UTI Multi Asset Allocation 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 ₹8,11,517 on 1 Oct 2026, an annualised return (XIRR) of 12.0%. 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 Multi Asset Allocation Fund?
- The total expense ratio of the Direct plan is 0.89% a year, as disclosed to AMFI (median of Multi Asset Allocation Direct plans: 0.85%). It is already deducted from the NAV, so every return shown is after expenses.
- How large is UTI Multi Asset Allocation Fund?
- Assets under management of the whole scheme were ₹6,634 crore on 30 Sep 2026, as published by AMFI.
- What is the riskometer level of UTI Multi Asset Allocation Fund?
- AMFI lists the scheme's riskometer as “Very High”, and its benchmark's as “Very High”. The riskometer is a label of potential risk set under SEBI rules, not a forecast.
- How often has UTI Multi Asset Allocation Fund beaten its category?
- At 33% of the 120 month-ends compared over the last 10 years, its 3-year return was above the median of Multi Asset Allocation schemes (Direct plans); it was in the top quarter at 10% of them. A typical scheme would show about 50%.
- Who manages UTI Multi Asset Allocation Fund?
- According to its Scheme Summary Document, UTI Multi Asset Allocation Fund is managed by Sharwan Kumar Goyal, amp, Lokesh Kulthia, Jaydeep Bhowal.
- What is the exit load of UTI Multi Asset Allocation Fund?
- As stated in its scheme documents: (A) Redemption / Switch out within 30 days from the date of allotment – 1.00% (B) Redemption / Switch out after 30 days from the date of allotment – NIL Check the latest Scheme Information Document before investing, as loads can change.
- What is the minimum investment in UTI Multi Asset Allocation Fund?
- The minimum application amount is Regular Plan-Growth- Rs.5000, Regular Plan-Reinvestment of IDCW- Rs.5000, Regular Plan-Payout of IDCW- Rs.5000, Direct Plan-Growth- Rs.5000, Direct Plan-Reinvestment of IDCW- Rs.5000, Direct Plan-Payout of IDCW- Rs.5000,. 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.
- 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 1.8% and the Regular plan's by 0.7%. The Regular plan includes the services of a distributor.
Reviewing your own mutual fund portfolio?
Integrato's team can walk you through how your current schemes have behaved, using the same data shown here. Integrato is an AMFI-registered Mutual Fund 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.