UTI Multi Asset Allocation Fund - Regular Plan - Growth Option
💡 Why Pick This Fund? Quantitative Strengths & Watch-outs
- Delivered positive returns in 99% of 3-year investment horizons.
- Strong capital defense: downside capture of 48% limits losses during market corrections.
- Generated +4.2% annualized alpha (excess return) over its benchmark.
- Cost-efficient: expense ratio of 1.83% is lower than category median (2.13%).
- Equities carry market risk; returns fluctuate and recommended investment horizon is 5+ years.
Key Statistics vs Category Median
Trailing Returns Comparison
| Period | Fund Return | Category Median | Difference |
|---|---|---|---|
| 1 Month | +4.17% | +3.61% | +0.56% |
| 3 Months | -1.86% | -1.36% | -0.50% |
| 6 Months | +1.90% | +1.77% | +0.13% |
| 1 Year | +1.31% | +6.58% | -5.27% |
| 3 Years CAGR | +13.47% | +13.86% | -0.39% |
| 5 Years CAGR | +12.19% | +12.08% | +0.11% |
| 7 Years CAGR | +12.53% | +12.65% | -0.12% |
| 10 Years CAGR | +10.44% | +10.89% | -0.45% |
| Since Inception | +12.18% | - | - |
📈 Monthly SIP vs Bank Fixed Deposit (FD) Replay
See how a regular monthly SIP in UTI Multi Asset Allocation Fund compares against a standard 7.0% p.a. Bank Fixed Deposit.
Calendar Year Returns
| Year | Fund | Category Median | Gap |
|---|---|---|---|
| 2026 | -0.67% | +2.90% | -3.57% |
| 2025 | +11.08% | +18.15% | -7.07% |
| 2024 | +20.71% | +16.05% | +4.66% |
| 2023 | +29.15% | +22.46% | +6.69% |
| 2022 | +4.42% | +5.20% | -0.78% |
| 2021 | +11.80% | +20.80% | -9.00% |
| 2020 | +13.13% | +16.12% | -2.99% |
| 2019 | +3.87% | +10.50% | -6.63% |
| 2018 | -0.55% | +1.11% | -1.66% |
| 2017 | +17.09% | +13.40% | +3.69% |
| 2016 | +7.32% | +8.03% | -0.71% |
| 2015 | -3.66% | +3.46% | -7.12% |
| 2014 | +22.68% | +17.23% | +5.45% |
| 2013 | -3.41% | +3.48% | -6.89% |
| 2012 | +24.91% | +15.54% | +9.37% |
| 2011 | -7.71% | +2.01% | -9.72% |
| 2010 | +16.74% | +10.44% | +6.30% |
| 2009 | +72.33% | +7.61% | +64.72% |
Daily Rolling Returns Summary
| Rolling Window | Minimum | Average | Median | Maximum | % Positive | % Beating Proxy |
|---|---|---|---|---|---|---|
| 1-Year Rolling | -20.45% | +11.66% | +8.89% | +76.53% | 84.3% | 44.5% |
| 3-Year Rolling | -4.65% | +10.41% | +9.45% | +27.52% | 98.8% | 25.6% |
| 5-Year Rolling | -1.24% | +9.59% | +8.51% | +21.25% | 99.9% | 12.0% |
Risk Profile & Deepest Drawdowns
Deepest Market Corrections (Depth >= 10%)
| Peak Date | Trough Date | Fall Depth | Months to Bottom | Recovery Period |
|---|---|---|---|---|
| 2020-02-19 | 2020-03-23 | -25.1% | 1 months | 4 months |
| 2010-11-09 | 2011-02-09 | -16.3% | 3 months | 17 months |
| 2015-01-28 | 2016-02-11 | -16.3% | 12 months | 6 months |
Portfolio & Asset Allocation
Statutory Asset Allocation Mandate (SEBI / SID)
| Instrument Category | Permitted Allocation Range |
|---|---|
| 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 | Per Scheme Mandate |
Investment Objective & Strategy
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.
ℹ️ Detailed monthly stock-level holdings for this scheme are updated periodically from asset management company statutory disclosures.
Fund Size Position
Currently managing Rs 6,856 cr (AMFI Daily Fund AUM as of 2026-11-11). Positioned as comfortable relative to Multi Asset Allocation schemes.
Fund Management
Cost & Capital Gains Taxation
From April 2026 the total expense ratio includes brokerage, transaction costs and statutory levies on top of the base fee.
Equity-oriented schemes: 20% short-term capital gains tax if sold within 12 months; 12.5% long-term capital gains tax on gains exceeding ₹1.25 lakh per financial year when held for more than 12 months.
Closest Multi Asset Allocation Peers by Rank
| Scheme | Score | 3Y Return | Expense | Downside | Fund Size | Compare |
|---|---|---|---|---|---|---|
| Kotak Multi Asset Allocation Fund | 6.5 | +16.15% | 1.77% | 25.3% | Rs 15,532 cr | Compare → |
| Axis Multi Asset Allocation Fund | 3.1 | +13.86% | 2.24% | 41.3% | Rs 2,758 cr | Compare → |
| Aditya Birla Sun Life Multi Asset Allocation Fund | 6.2 | +15.35% | 1.78% | 34.3% | Rs 7,836 cr | Compare → |
| Baroda BNP Paribas Multi Asset Fund | 4.4 | +13.75% | 2.04% | 52.4% | Rs 1,462 cr | Compare → |
| SBI MULTI ASSET ALLOCATION FUND | 5.6 | +13.84% | 1.37% | 23.1% | Rs 21,580 cr | Compare → |
Frequently Asked Questions about UTI Multi Asset Allocation Fund
What is the expense ratio of UTI Multi Asset Allocation Fund?
UTI Multi Asset Allocation Fund has a total expense ratio (TER) of 1.83% with a base expense ratio of 1.46%, compared to the Multi Asset Allocation category median of 2.13%.
Who manages UTI Multi Asset Allocation Fund?
UTI Multi Asset Allocation Fund is managed by Sharwan Kumar Goyal (tenure: 5.0 years since 2021-11-01).
What are the historical returns of UTI Multi Asset Allocation Fund?
UTI Multi Asset Allocation Fund delivered a 3-year CAGR of 13.47% and a 5-year CAGR of 12.19%. Its 1-year return stands at +1.31%.
How large is UTI Multi Asset Allocation Fund?
UTI Multi Asset Allocation Fund manages assets of Rs 6,856 cr, placing it in the 'comfortable' size band relative to Multi Asset Allocation peers.
How is UTI Multi Asset Allocation Fund scored on MFIQ?
UTI Multi Asset Allocation Fund holds an MFIQ Score of 4.0/10 (Weak), based on a category percentile composite across returns, risk, consistency, and cost.
How risky is UTI Multi Asset Allocation Fund?
UTI Multi Asset Allocation Fund has an official SEBI riskometer rating of Very High. Over the analyzed period, its annualized standard deviation is 9.78% with a maximum historical drawdown of -25.07%.