Sharpe ratio
0.36Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+0.81%1Y Absolute Return
-0.55%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 Multi Asset Allocation Fund - Direct Plan - Growth OptionFund 5Y annualised return | ₹10,11,383 | ₹7,32,612 | ₹2,78,771 | +13.04% |
| 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₹1.10
₹1 Lakh since launch₹1.10 Lakh
Fund age13.9 yrs
Fund information
Scheme code120760
ISININF789F01VE6
BenchmarkGROWWEH
CategoryHybrid Scheme - Multi Asset Allocation
Expense ratio0.79%
Exit loadExit load of 1%, if redeemed within 30 days.
Minimum SIP₹500 SIP
Return comparison
92nd / 124 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +46.77% | — | — |
| 3M | -8.04% | — | — |
| 6M | +2.91% | — | — |
| 1Y | +0.81% | — | +3.20% |
| 3Y | +14.25% | — | +13.01% |
| 5Y | +13.04% | — | +10.73% |
| 10Y | +11.39% | — | — |
| Since Launch | +9.93% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
0.50Return earned while limiting downside risk.
Moderate
Moderate downside risk-adjusted performance.
Standard deviation
11.91%How much the fund’s returns fluctuate over time.
Moderate volatility
Returns can move up and down noticeably.
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
0.40How well the fund rewarded investors relative to its biggest decline.
Low
Returns have been modest compared 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%
Equity66.57%
Commodities12.35%
Debt11.25%
Real Estate5.04%
Cash4.79%
Market cap allocation
Sector allocation
Equity exposure by sector
Top holdings
10 of 136 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| UTI Gold Exchange Traded Fund | Unspecified | Mutual Fund | 12.4988% |
| Net Current Assets | Unspecified | Net Current Assets | 4.6211% |
| ICICI Bank Ltd | Financial | Equity | 3.2326% |
| HDFC Bank Ltd | Financial | Equity | 2.8923% |
| Kotak Mahindra Bank Ltd | Financial | Equity | 2.8425% |
| ITC Ltd | Consumer Staples | Equity | 2.7187% |
| Nestle India Ltd | Consumer Staples | Equity | 2.6513% |
| Tata Consultancy Services Ltd | Technology | Equity | 2.2585% |
| Bharat Electronics Ltd | Industrials | Equity | 1.864% |
| Interglobe Aviation Ltd | Industrials | Equity | 1.7568% |
Fund management
SH
Sharwan Kumar Goyal
Since 2021 · He began his career with UTI in June 2006 and has 15 years of overall experience in Risk / Fund management. Presently he is working as Equity Fund Manager.
Mr.Goyal is B.Com, CFA and MMS.
JA
Jaydeep Bhowal
Since 2024 · 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
LO
Lokesh Kulthia
Since 2026 · Mr. Kulthia is associated with Equity Research team as a Manager since the year 2021. He joined UTI AMC as Assistance Manager at Dept of Sales. He has over 4 years of experience in the field of Research.
BCom (Hons), MBA (Finance), PGPFM
Compare similar funds
No comparable category funds are available yet.
Summary
A very high-risk hybrid scheme - multi asset allocation fund. Ahead of its category average over 3Y by 1.2 points. Has fallen sharply before — down -25.0% at its worst.
Strengths
- Ahead of its category average over 3Y by 1.2 points.
- Recovered from its worst fall in 4 months.
- Well spread out — top 10 holdings are only 24% of the portfolio.
Weaknesses
- Has fallen sharply before — down -25.0% at its worst.
- Ranks 92 of 124 in its category over 1 year.
Ideal investor
- Needs a 4–5+ years horizon to ride out its very high risk level.
- Good fit for SIPs — spreading purchases smooths out 11.9% volatility.
Risk drivers
- None