DebtLong Term FundDirectIDCWModerate

UTI Long Duration Fund

Q: What is the NAV of UTI Long Duration Fund?

As of 20 Aug 2026, the NAV of UTI Long Duration Fund is ₹12.24 per unit. NAV (net asset value) is the fund's per-unit price, published once each business day.

Q: What returns has UTI Long Duration Fund delivered?

UTI Long Duration Fund has returned +3.74% over 1 year and +4.80% per year since inception. Figures beyond one year are annualised (CAGR) and are computed from AMFI NAV history, so they may differ slightly from other portals.

Q: What is the expense ratio of UTI Long Duration Fund?

UTI Long Duration Fund charges an expense ratio of 0.79% per year. This annual fee is already deducted from the NAV, so the returns you see are net of it.

Q: What are the top holdings of UTI Long Duration Fund?

Its largest holdings are GOVERNMENT OF INDIA 35840 GOI 15AP65 6.9 FV RS 100 (46.0%), STATE DEVELOPMENT LOAN 37361 CHT 15AP31 7.37 FV RS 100 (14.5%), GOVERNMENT OF INDIA 34733 GOI 05AG54 7.09 FV RS 100 (13.8%), STATE DEVELOPMENT LOAN 37290 RAJ 25MR36 7.65 FV RS 100 (13.0%) and GOVERNMENT OF INDIA 34238 GOI 22AP64 7.34 FV RS 100 (2.8%). Holdings are disclosed monthly and change over time.

Q: How risky is UTI Long Duration Fund?

It is rated moderate on SEBI's risk-o-meter, its trailing-3Y volatility (annualised) is 4.0% and its worst peak-to-trough fall in our sample was -5.7%. Higher volatility means the NAV swings more; the drawdown shows how far it has fallen from a peak historically.

Q: What does the Sharpe ratio of -0.68 mean?

The Sharpe ratio is return earned per unit of total risk, above a 6.5% risk-free rate. UTI Long Duration Fund's -0.68 means it has not compensated investors for its volatility over the window. Higher is better.

Q: What is the benchmark of UTI Long Duration Fund?

UTI Long Duration Fund is benchmarked against the NIFTY Long Duration Debt Index A-III. Its alpha and beta on this page are measured against that index.

Q: Who manages UTI Long Duration Fund?

UTI Long Duration Fund is managed by Pankaj Pathak at UTI.

Q: How is UTI Long Duration Fund taxed?

UTI Long Duration Fund is a debt / non-equity fund. Since April 2023 there is no long-term or indexation benefit — capital gains are added to your income and taxed at your income-tax slab rate regardless of how long you held the units.

UTI Mutual Fund

This is the Direct plan of UTI Long Duration Fund — bought from the fund house, with no distributor commission in its expense ratio. Income is distributed at a frequency the investor picks, which is why this NAV sits below the growth plan of the same fund.

NAV

₹12.24

-0.45% 1D

as of 20 Aug 2026

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NAV history

+3.91%CAGR

52-week rangePrev NAV ₹12.30

Latest ₹12.24

Low ₹11.6083rd percentile of its 52-week rangeHigh ₹12.37

Key Metrics

Annual fee charged by the fund, already deducted from NAV

Category —

Portfolio-weighted harmonic mean P/E across the fund's equity holdings

Category —

Excess return per unit of total volatility (rf = 6.5%)

-0.68

Category —

Scheme Info

Definitions

Plan

Direct · IDCW

Period before units can be redeemed — 3 years for ELSS, none for most open-ended funds

Exit Load

Statutory levy on every mutual-fund purchase since 1 Jul 2020 (SEBI / Govt of India) — the same for every scheme

0.005%

SIP Inv.

Smallest recurring SIP instalment the scheme accepts

Smallest one-time (lumpsum) investment the scheme accepts

Benchmark

Start of our NAV history for this plan. Direct plans begin 1 Jan 2013, so this is the plan's inception — not necessarily the scheme's original launch date.

13 May 2024

Period returns (<1Y, absolute — not annualized)

Definitions

Absolute return over the last 1 month (not annualized)

+0.17%

Absolute return over the last 3 months (not annualized)

+3.20%

Absolute return over the last 6 months (not annualized)

+2.58%

Absolute return since 1 Jan of this year (not annualized)

+2.15%

Annualized returns (≥1Y — CAGR)

Definitions

1-year point-to-point return, annualized (CAGR)

+3.74%

3-year annualized return (CAGR)

—

5-year annualized return (CAGR)

—

10-year annualized return (CAGR)

—

Annualized return (CAGR) since the fund's inception

+4.80%

Advanced metrics — risk

Risk (trailing 3Y)

Definitions

Annualized standard deviation of daily returns

4.05%

Excess return per unit of total volatility (rf = 6.5%)

-0.68

Excess return per unit of downside deviation — upside swings aren't penalized (rf = 6.5%)

-0.92

Largest peak-to-trough decline over full history

-5.68%

Benchmark ratios

Not shown for Long Term Fund — a debt, arbitrage or cash-like fund isn't measured against an equity index, so alpha/beta vs one would be noise rather than signal.

Fund vs category average (Long Term Fund)

Period	Fund	Category avg.	Diff
1M abs	+0.17%	—	—
3M abs	+3.20%	—	—
6M abs	+2.58%	—	—
1Y CAGR	+3.74%	—	—
3Y CAGR	—	—	—
5Y CAGR	—	—	—

Category average across peers in Long Term Fund (up to 4 funds with data), same plan and option, excluding this fund. Under-1-year figures are absolute; 1Y and beyond are annualised (CAGR).

Not sure what a figure means? The glossary explains every metric, and the methodology shows the formulas.

Rolling returns

Return for every possible 1Y holding period, not just today’s

Average

+2.9%

Median

+2.6%

Best

+11.3%

Worst

-3.5%

Positive periods

81.3%

16 overlapping 1Y windows, sampled monthly across the fund’s history.

Backtest this fund

What a SIP or one-time investment would have grown to over this fund’s real NAV history.

Monthly investment (₹)

Period

Invested

₹1.20L

Current value

₹1.22L

Absolute

+2.08%

XIRR

+4.57%

Value vs. invested

12 monthly installments of ₹10,000 into UTI Long Duration Fund, valued at the latest NAV. XIRR annualizes for each installment’s timing.

Calendar-year returns

What the fund actually returned in each year, not the smoothed average.

Year	Fund
2026part	+2.16%
2025	+2.77%
2024part	+5.94%

January–December, from this fund's NAV history. Absolute return, not annualised. “part” marks a year the fund didn't run end to end — its first year, the current year so far, or one it stopped reporting in.

History points

553

Expense ratio

AUM

Portfolio turnover

Exit load

Taxation

Taxed as debt

This is a debt / non-equity fund. Since April 2023 there is no long-term or indexation benefit — every rupee of gain is added to your income and taxed at your income-tax slab rate, whatever the holding period.

Any holding period

30%

Short- and long-term alike

Your income-tax slab — no LTCG or indexation benefit

Your income-tax slab

Pick your slab to see the rate that applies to you.

Applies to capital gains on redemption. Excludes IDCW/dividend tax, STT, surcharge and cess, and pre-2018 equity grandfathering. For research only — consult a tax advisor before filing.

Peer comparison · Long Term Fund

Compare all


UTI Long Duration FundThis fund UTI	★★★★★ 1Y	+3.74%	—	—	—	0.79%	₹2.82L
UTI Long Duration Fund UTI	★★★★☆	+3.73%	+6.12%	—	—	0.79%	₹68.75Cr
UTI Long Duration Fund UTI	★★★☆☆	+3.73%	+6.12%	—	—	0.79%	₹68.75Cr
UTI Long Duration Fund UTI	★☆☆☆☆	+3.74%	+3.29%	—	—	0.79%	₹68.75Cr
Mirae Asset Long Duration Fund Mirae Asset	★★☆☆☆ 1Y	+3.70%	—	—	—	0.20%	₹17.75Cr
UTI Long Duration Fund UTI	★☆☆☆☆ CAT	+3.73%	+6.12%	—	—	0.79%	₹68.75Cr

Worst falls, and the wait to get back

How far this fund has dropped from a high, and how long it took to reclaim it.

-5.7%16 May 2025 → 02 Apr 2026
Fell over 11 months, back to the old high on 12 Aug 2026 — 4 months under water after the low.

Measured on this fund’s own NAV history, peak to trough to the day it regained the peak. Falls shallower than 5% are left out. A recovery date is when the NAV got back, not when any particular investor did — that depends on when they bought.

Fund size over time

Quarterly average AUM · AMFI

₹2.82L

April - June 2026

-1%

since January - March 2026

At or near its largest, ₹2.84L in January - March 2026. Size matters most where the mandate is narrow — a large small-cap or a very large flexi-cap book is harder to move without moving the price.

UTI in the news

Headlines about the fund house, not this scheme in particular — highlights only; tap through to read the full story at the source.

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Returns and risk are computed from NAV history and may differ slightly from other portals due to methodology (rolling vs point-to-point, dividend treatment). For research only — not investment advice.

About Debt funds

Debt funds lend to governments and companies and earn interest. They're generally steadier than equity funds and are used for shorter horizons and stability.

Frequently asked questions

What is the NAV of UTI Long Duration Fund?

As of 20 Aug 2026, the NAV of UTI Long Duration Fund is ₹12.24 per unit. NAV (net asset value) is the fund's per-unit price, published once each business day.

What returns has UTI Long Duration Fund delivered?

UTI Long Duration Fund has returned +3.74% over 1 year and +4.80% per year since inception. Figures beyond one year are annualised (CAGR) and are computed from AMFI NAV history, so they may differ slightly from other portals.

What is the expense ratio of UTI Long Duration Fund?

UTI Long Duration Fund charges an expense ratio of 0.79% per year. This annual fee is already deducted from the NAV, so the returns you see are net of it.

What are the top holdings of UTI Long Duration Fund?

Its largest holdings are GOVERNMENT OF INDIA 35840 GOI 15AP65 6.9 FV RS 100 (46.0%), STATE DEVELOPMENT LOAN 37361 CHT 15AP31 7.37 FV RS 100 (14.5%), GOVERNMENT OF INDIA 34733 GOI 05AG54 7.09 FV RS 100 (13.8%), STATE DEVELOPMENT LOAN 37290 RAJ 25MR36 7.65 FV RS 100 (13.0%) and GOVERNMENT OF INDIA 34238 GOI 22AP64 7.34 FV RS 100 (2.8%). Holdings are disclosed monthly and change over time.

How risky is UTI Long Duration Fund?

It is rated moderate on SEBI's risk-o-meter, its trailing-3Y volatility (annualised) is 4.0% and its worst peak-to-trough fall in our sample was -5.7%. Higher volatility means the NAV swings more; the drawdown shows how far it has fallen from a peak historically.

What does the Sharpe ratio of -0.68 mean?

The Sharpe ratio is return earned per unit of total risk, above a 6.5% risk-free rate. UTI Long Duration Fund's -0.68 means it has not compensated investors for its volatility over the window. Higher is better.

What is the benchmark of UTI Long Duration Fund?

UTI Long Duration Fund is benchmarked against the NIFTY Long Duration Debt Index A-III. Its alpha and beta on this page are measured against that index.

Who manages UTI Long Duration Fund?

UTI Long Duration Fund is managed by Pankaj Pathak at UTI.

How is UTI Long Duration Fund taxed?

UTI Long Duration Fund is a debt / non-equity fund. Since April 2023 there is no long-term or indexation benefit — capital gains are added to your income and taxed at your income-tax slab rate regardless of how long you held the units.