UTI 10 year Constant Maturity Gilt Fund
UTI Mutual Fund · Gilt 10Y Constant · Regular plan, growth option
NAV (₹), 2 Oct 2026
12.9477
1-day change
-0.13%
1Y return
1.9%
3Y CAGR
6.2%
5Y CAGR
n/a
Max drawdown, 5Y
n/a
NAV history month-end NAV, ₹ · 3 Aug 2022 to 1 Oct 2026
Returns vs Gilt 10Y Constant median (5 schemes)
| Period | Scheme | Category median |
|---|---|---|
| 1 month | -1.2% | -1.2% |
| 3 months | -1.3% | -1.3% |
| 6 months | 2.2% | 2.3% |
| Year to date | 1.1% | 1.2% |
| 1 year | 1.9% | 2.2% |
| 3 years (CAGR) | 6.2% | 6.3% |
| 5 years (CAGR) | n/a | 5.3% |
| 7 years (CAGR) | n/a | 6.0% |
| 10 years (CAGR) | n/a | 7.1% |
| Since first NAV (CAGR) | 6.2% | – |
Rolling returns every business-day start date
| Measure | Scheme | Category median |
|---|---|---|
| 1Y rolling median | 7.2% | 8.1% |
| 3Y rolling median | 7.4% | 8.0% |
| 3Y rolling worst | 5.7% | 3.1% |
| 3Y periods positive | 100% | 100% |
| 3Y periods ahead of benchmark | n/a | n/a |
| 5Y rolling median | n/a | 7.8% |
| 5Y rolling worst | n/a | 4.7% |
| 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.) | 3.1% | 3.1% |
| Sharpe ratio | -0.07 | -0.01 |
| Sortino ratio | -0.09 | -0.02 |
| 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 | −2.8% | −5.1% |
| Maximum drawdown, last 10Y | n/a | −4.9% |
| Maximum drawdown, last 5Y | n/a | −4.8% |
| Current drawdown | −2.2% | −2.2% |
| Recovery time of worst fall | 71 days | – |
Longer histories include more crises, so compare the 5Y and 10Y figures across schemes of different ages.
Cost, size and riskometer as disclosed to AMFI
| Measure | Scheme | Category median |
|---|---|---|
| Expense ratio (TER), Regular plan | 0.77% | 0.77% |
| AUM, whole scheme (₹ crore) | 105 | 285 |
| Riskometer | Moderate | – |
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) | 2.5% | 1.3% TRI |
| Return, 3 years (AMFI) | 6.2% | 6.2% TRI |
| Month-ends above category median (3Y CAGR) | 0% | 0% median |
| Month-ends in category top quartile (3Y) | 0% | 0% median |
Official benchmark: CRISIL 10 Year Gilt Index (total return index, as published by AMFI). Category consistency: last 10 years of month-ends, Gilt 10Y Constant Regular plans; how it is calculated.
Calendar-year returns NAV change from 31 Dec to 31 Dec
| Year | Scheme | Benchmark | Difference |
|---|---|---|---|
| 2026 YTD | 1.1% | n/a | – |
| 2025 | 6.6% | n/a | – |
| 2024 | 9.0% | n/a | – |
| 2023 | 7.3% | 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 2 Oct 2026
| Period | Invested | Value | XIRR |
|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1,20,923 | 1.4% |
| 3 years | ₹3,60,000 | ₹3,85,627 | 4.5% |
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: Gilt 10Y Constant
Plan / option: Regular · Growth
AMFI scheme code: 150409
ISIN: INF789F1AVI6
First NAV in MFIC data: 3 Aug 2022
History: 4.2 years
Expense ratio, AUM, portfolio: see the scheme's factsheet
Schemes that behaved similarly correlation of monthly returns, last 5 years
| Scheme | Category | Correlation | 3Y CAGR |
|---|---|---|---|
| SBI 10 YEAR CONSTANT MATURITY GILT FUND | Gilt 10Y Constant | 1.00 | 6.3% |
| ICICI Prudential 10 year Constant Maturity Gilt Fund | Gilt 10Y Constant | 1.00 | 6.9% |
| DSP 10 year Constant Maturity Gilt Fund | Gilt 10Y Constant | 0.99 | 5.8% |
| Bandhan 10 year Constant Maturity Gilt Fund | Gilt 10Y Constant | 0.99 | 7.1% |
| JM Medium to Long Term Fund | Medium to Long Duration | 0.99 | 5.9% |
| Mirae Asset CRISIL IBX Gilt Index - April 2033 Index Fund | Debt Index Fund | 0.99 | 6.8% |
Questions about UTI 10 year Constant Maturity Gilt Fund
- What is the latest NAV of UTI 10 year Constant Maturity Gilt Fund?
- The NAV of the Regular plan (growth option) was ₹12.9477 on 2 Oct 2026, as published by AMFI.
- Which category is UTI 10 year Constant Maturity Gilt Fund in?
- It is classified as Gilt 10Y Constant in AMFI's daily NAV file. MFIC compares it with 5 Gilt 10Y Constant schemes (Regular plans).
- What returns has UTI 10 year Constant Maturity Gilt Fund delivered?
- Over one year the NAV changed by 1.9%. The 3-year CAGR is 6.2% (category median 6.3%). 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 7.4%, the lowest was 5.7%, and 100% of 3-year periods ended with a gain.
- What was the largest fall in UTI 10 year Constant Maturity Gilt Fund's NAV?
- The largest peak-to-trough fall in its available history was 2.8%.
- How volatile is UTI 10 year Constant Maturity Gilt Fund?
- Its annualised standard deviation of monthly returns over the last 36 months is 3.1%, which is below the Gilt 10Y Constant category median of 3.1%.
- What would a monthly SIP in UTI 10 year Constant Maturity Gilt Fund have grown to?
- A SIP of ₹10,000 on the first business day of each month for the last 3 years (36 instalments, ₹3,60,000 invested) would have been worth about ₹3,85,627 on 2 Oct 2026, an annualised return (XIRR) of 4.5%. This uses the Regular 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 10 year Constant Maturity Gilt Fund?
- The total expense ratio of the Regular plan is 0.77% a year, as disclosed to AMFI (median of Gilt 10Y Constant Regular plans: 0.77%). It is already deducted from the NAV, so every return shown is after expenses.
- How large is UTI 10 year Constant Maturity Gilt Fund?
- Assets under management of the whole scheme were ₹105 crore on 30 Sep 2026, as published by AMFI.
- What is the riskometer level of UTI 10 year Constant Maturity Gilt Fund?
- AMFI lists the scheme's riskometer as “Moderate”, 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 10 year Constant Maturity Gilt Fund and how has it compared?
- Its official benchmark is the CRISIL 10 Year Gilt Index. Over 3 years AMFI reports a return of 6.2% for this plan against 6.2% for the benchmark total return index. Past performance does not indicate future results.
- How often has UTI 10 year Constant Maturity Gilt Fund beaten its category?
- At 0% of the 14 month-ends compared over the last 10 years, its 3-year return was above the median of Gilt 10Y Constant schemes (Regular plans); it was in the top quarter at 0% of them. A typical scheme would show about 50%.
- 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 2.4% and the Regular plan's by 1.9%. 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 2 Oct 2026. Category medians use Regular 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.