Sharpe ratio
0.59Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+1.29%1Y Absolute Return
-0.25%1D
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Past performance is not an indicator of future returns.
Returns calculator comparison
Compare an illustrative investment outcome across return assumptions.
| Asset | Projected corpus | Total invested | Gain | Annual return |
|---|---|---|---|---|
| UTI Conservative Hybrid Fund - Direct Plan - Growth OptionFund 5Y annualised return | ₹8,65,941 | ₹7,32,612 | ₹1,33,329 | +6.92% |
| EPFIllustrative annual assumption | ₹8,95,132 | ₹7,32,612 | ₹1,62,520 | +8.25% |
| Residential propertyIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| PPFIllustrative annual assumption | ₹8,69,819 | ₹7,32,612 | ₹1,37,207 | +7.10% |
| Bank fixed depositIllustrative annual assumption | ₹8,56,981 | ₹7,32,612 | ₹1,24,369 | +6.50% |
| GoldIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| Savings accountIllustrative annual assumption | ₹7,86,827 | ₹7,32,612 | ₹54,215 | +3.00% |
Illustration only. Fund results use the available NAV-derived annualised return and can be negative. Reference rows are assumptions, not current quoted rates or guaranteed returns; property excludes transaction costs, taxes, and liquidity constraints. Mutual fund investments are subject to market risk.
Wealth multiple
₹1 became₹1.09
₹1 Lakh since launch₹1.09 Lakh
Fund age13.9 yrs
Fund information
Scheme code120779
ISININF789F01UJ7
BenchmarkNIFTY 50 Hybrid Composite Debt 15:85 Conservative
CategoryHybrid Scheme - Conservative Hybrid Fund
Expense ratio1.28%
Exit loadExit Load for units in excess of 10% of the investment,1% will be charged for redemption within 12 months.
Minimum SIP₹500 SIP
Return comparison
34th / 104 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +31.30% | — | — |
| 3M | -1.84% | — | — |
| 6M | +6.12% | — | — |
| 1Y | +1.29% | — | -0.90% |
| 3Y | +7.89% | — | +3.51% |
| 5Y | +6.92% | — | +2.85% |
| 10Y | +8.08% | — | — |
| Since Launch | +9.09% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
0.82Return earned while limiting downside risk.
Moderate
Moderate downside risk-adjusted performance.
Standard deviation
4.45%How much the fund’s returns fluctuate over time.
Low volatility
Returns have been relatively stable.
Beta
—How closely the fund moves with the market.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Alpha
—Extra return generated above the benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Treynor ratio
—Return earned for each unit of market risk taken.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Calmar ratio
0.63How well the fund rewarded investors relative to its biggest decline.
Good
Good return relative to the drawdowns experienced.
Information ratio
—How consistently the fund outperformed its benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Portfolio allocation
Latest disclosed portfolio mix
Asset allocation
Portfolio100%
Debt72.76%
Equity24.52%
Cash2.72%
Market cap allocation
Sector allocation
Equity exposure by sector
Top holdings
10 of 120 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 25D 7.40 BD 29AP30 FVRS1LAC | Financial | Bonds | 4.5422% |
| HDFC BANK LIMITED SR US006 7.75 NCD 13JU33 FVRS1LAC | Financial | Debenture | 3.0492% |
| STATE DEVELOPMENT LOAN 37106 WB 18FB44 7.74 FV RS 100 | Unspecified | State Development Loan | 3.0329% |
| LIC HOUSING FINANCE LTD TR 452 7.645 NCD 21FB30 FVRS1LAC | Financial | Bonds | 3.0256% |
| JIO CREDIT LIMITED SR II 7.08 NCD 26MY28 FVRS1LAC | Financial | Debenture | 2.9796% |
| SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA SR II 6.74 BD 10JN29 FVRS1LAC | Financial | Debenture | 2.9793% |
| GOVERNMENT OF INDIA 34238 GOI 22AP64 7.34 FV RS 100 | Entities | GOI Securities | 2.9744% |
| SIDDHIVINAYAK SECURITISATION TRUST SD TRUST PTC 15SEPT25 | Unspecified | Securitised Debt | 2.9717% |
| Union Bank of India (16/03/2027) ** # | Financial | Commercial Paper | 2.8728% |
| Net Current Assets | Unspecified | Net Current Assets | 2.7169% |
Fund management
AM
Amit Kumar Premchandani
Since 2022 · Prior to joining UTI Mutual Fund, he has worked in Deutsche Equities India, JP Morgan and Peerless General Finance and Investment. In UTI he has been associated with Dept. of Securities Research and Dept. of Fund Management for more than 11 years.
Mr. Premchandani is a Chartered Accountant, MBA and CFA degree holder.
JA
Jaydeep Bhowal
Since 2023 · He began his career with UTI Mutual Fund in November 2009. He has more than 10 years of experience and had been involved in various roles at UTI. Presently he is working as Dealer in Department of Fund Management - Fixed Income. Prior to joining the AMC he was associated with SJ & A.
He has done B.Com, CA from ICAI and PGDFM from Welingkar Institute of Management, Mumbai
Compare similar funds
No comparable category funds are available yet.
Summary
A moderately high-risk hybrid scheme - conservative hybrid fund. Ahead of its category average over 3Y by 4.4 points. Has fallen sharply before — down -14.4% at its worst.
Strengths
- Ahead of its category average over 3Y by 4.4 points.
- Recovered from its worst fall in 5 months.
- Well spread out — top 10 holdings are only 4% of the portfolio.
Weaknesses
- Has fallen sharply before — down -14.4% at its worst.
Ideal investor
- Needs a 2–3+ years horizon to ride out its moderately high risk level.
Risk drivers
- None