MF Gyan
otherModerate risk14 years oldSteady vs its 3-year pace

UTI - CRTS 81 - Dividend Option- Direct

A specialised fund. Check the scheme details for what it invests in. From UTI Mutual Fund. It's been running since 9 Jan 2013.

Latest price per unit
₹154.2543
▲ 0.21% today
As of 2 May 2018 · updated once each business day

What ₹1 lakh would have become

Based on past returns
Invested 1 year ago
₹100.0k
▼ ₹23 loss · -0.0% / year
Invested 3 years ago
₹1.01 L
▲ ₹1.4k gain · 0.5% / year
Invested 5 years ago
₹1.12 L
▲ ₹11.8k gain · 2.3% / year

These are calculations from the fund's past prices, not a prediction. Real future returns can and often do differ.

SIP simulator

Play with a monthly investment

Slide the amount and switch the duration. Left column uses real past prices. Right column projects forward using this fund's historical rate — a calculation, not a prediction.

₹5.0k
Looking back · real
You would have invested₹1.80 L
Value today₹1.84 L
Gain / loss+₹3.9k
XIRR (annualised)1.46%
Looking forward · hypothetical
You would invest₹1.80 L
Would become*₹1.84 L
Projected gain*+₹4.1k
*at this fund's historical rate of 1.46% per year. Actual future returns can be different — sometimes very different.
Value Cumulative invested
Reality check. The backward SIP is real math on real past NAVs. The forward projection assumes the fund keeps up its historical rate — which rarely happens exactly. Past performance is not a promise. MF Gyan does not recommend any specific investment.
How it compares to peers

Vs 500 other funds in Income

Same plan
1-year return
-0.02%median 4.49% (-4.51%)
Rank #328 of 501Beats 24% of peers
3-year return
0.46%median 6.00% (-5.54%)
Rank #147 of 501Beats 31% of peers
5-year return
2.26%median 4.91% (-2.65%)
Rank #44 of 501Beats 39% of peers
Bumpiness (3Y)
7.50%median 5.00% (+2.51%)
Rank #297 of 501Less risky than 40% of peers
Worst-ever drop
-12.18%median -6.85% (-5.33%)
Rank #170 of 501Less risky than 66% of peers

Descriptive rankings within the same category and plan. Not a recommendation — one fund beating another historically does not mean it will continue to do so.

Year by year

Calendar-year returns. 4 of last 6 years were positive.

-2%
2013
+12%
2014
-3%
2015
+1%
2016
+3%
2017
+2%
2018
Best year
2014 · 11.68%
Worst year
2015 · -3.37%

Price over time

How the per-unit price has moved. Tap a range to zoom in.

Bumpiness & worst drops

Day-to-day bumpiness
7.5%

The value swings roughly 8% up or down in a typical year. Finance-speak calls this volatility.

Worst drop ever
-12.18%

A lump sum invested at the previous peak would have temporarily lost about this much before recovering. Finance-speak calls this max drawdown.

Similar funds you might want to look at

Same category, same plan, sorted by 3-year return. Not recommendations — just neighbours.

Head-to-head comparisons

Side-by-side comparisons of UTI - CRTS 81 - Dividend Option- Direct against other other funds.

Technical details (for the pros)
CAGR — 1 year-0.02%
CAGR — 3 years0.46%
CAGR — 5 years2.26%
CAGR — since launch2.44%
Volatility — 1 year (annualised)6.68%
Volatility — 3 years (annualised)7.50%
Max drawdown — 1 year-5.44%
Max drawdown — 3 years-11.30%
Sharpe ratio — 1 year (rf=6%)-0.90
Sharpe ratio — 3 years (rf=6%)-0.76

Fund info

Fund house
UTI Mutual Fund
Category
Income
Plan
Direct
Option
Dividend
ISIN (Growth)
—
ISIN (Div re-invest)
—
Fund code
120787
First price on record
9 Jan 2013 · 1,275 daily prices

About UTI - CRTS 81 - Dividend Option- Direct

UTI - CRTS 81 - Dividend Option- Direct is a Income offered by UTI Mutual Fund under the Direct plan with the Dividend option. It has approximately 14 years of NAV track record. The fund falls in the other category — A specialised fund. Check the scheme details for what it invests in.

The current NAV of UTI - CRTS 81 - Dividend Option- Direct is ₹154.2543 (as of 2 May 2018). Historically, it has delivered -0.02% over the last year, 0.46% CAGR over 3 years, 2.26% CAGR over 5 years. Returns are historical and don't predict future performance.

Over the last three years, the fund's prices have moved with 7.5% annualised volatility — a "moderate" level of bumpiness; its deepest peak-to-trough fall on record was 12.2%. Being mentally prepared for drawdowns of this size is what separates long-term investors from reactive traders.

Frequently asked

What is the latest NAV of UTI - CRTS 81 - Dividend Option- Direct?+

The latest NAV of UTI - CRTS 81 - Dividend Option- Direct is ₹154.2543 as of 2 May 2018, up 0.21% from the previous day. NAV is updated once a business day after the market close.

What are the returns of UTI - CRTS 81 - Dividend Option- Direct?+

UTI - CRTS 81 - Dividend Option- Direct has delivered 1-year return -0.02%, 3-year CAGR 0.46%, 5-year CAGR 2.26%, since-inception CAGR 2.44%. Returns are historical and don't predict future performance — markets move in cycles.

What category does UTI - CRTS 81 - Dividend Option- Direct belong to?+

UTI - CRTS 81 - Dividend Option- Direct is categorised as Income. A specialised fund. Check the scheme details for what it invests in.

How risky is UTI - CRTS 81 - Dividend Option- Direct?+

Based on its 3-year annualised volatility of 7.5%, UTI - CRTS 81 - Dividend Option- Direct sits in the "moderate" risk bucket. Volatility measures how much prices swing — higher means bigger ups and downs along the way.

Is UTI - CRTS 81 - Dividend Option- Direct a direct plan?+

UTI - CRTS 81 - Dividend Option- Direct is a Direct plan (no distributor commission — lower expense ratio) with the IDCW option (periodic distributions, taxable at your slab rate).

How old is UTI - CRTS 81 - Dividend Option- Direct?+

UTI - CRTS 81 - Dividend Option- Direct has NAV history available from 9 Jan 2013 — approximately 14 years of track record and 1,275 daily NAV observations.

Numbers are computed from stored daily prices from mfapi.in/AMFI. This is descriptive analytics, not investment advice. Past performance is not indicative of future returns.