UTI FTIF Series XXVIII-I (1230 Days) Option is one of the lower-rated funds in its category with a BullWiser Honest Score of 4.2/10 — below the Income category median of 5.0/10 across 707 funds. Its 3-year CAGR of 3.9% outperforms the Income category average of 3.4% by +0.5 percentage points. As a Direct plan, UTI FTIF Series XXVIII-I (1230 Days) Option eliminates the distributor commission built into Regular plans, maximising the net return to the investor.
Fund Details
Fund Name
UTI FTIF Series XXVIII-I (1230 Days) Option
Category
Plan Type
Direct · Growth
Expense Ratio
--
Verdict
❌ Poor
1Y Return
4.4%
3Y CAGR
3.9%
vs Category Average — Income
3Y CAGR
This fund+0.5% vs category avg
Expense Ratio (lower is better)
TER data not available
Honest Score
This fund-0.8 vs category avg
Category: Income · 707 Direct-plan funds compared · 0% are High Quality
Frequently Asked Questions
What is the BullWiser Honest Score of UTI FTIF Series XXVIII-I (1230 Days) Option?
UTI FTIF Series XXVIII-I (1230 Days) Option has a BullWiser Honest Score of 4.2/10 (POOR QUALITY).
The score rates the fund across four pillars: returns quality, expense ratio, risk-adjusted performance (Sharpe ratio & max drawdown), and overall fund quality (AUM, age, consistency).
What is the expense ratio of UTI FTIF Series XXVIII-I (1230 Days) Option?
The Total Expense Ratio (TER) of UTI FTIF Series XXVIII-I (1230 Days) Option Direct Plan is --.
Choosing the Direct plan saves you the distributor commission baked into Regular plans — typically 0.5–1% per year — which compounds significantly over time.
What are the returns of UTI FTIF Series XXVIII-I (1230 Days) Option?
UTI FTIF Series XXVIII-I (1230 Days) Option has delivered 4.4% 1-year returns and
3.9% 3-year CAGR. For a full NAV history and comparison with category peers,
use BullWiser's MF Analyser.
Past performance is not a guarantee of future returns.
Is UTI FTIF Series XXVIII-I (1230 Days) Option a good investment?
BullWiser rates UTI FTIF Series XXVIII-I (1230 Days) Option as POOR QUALITY (Honest Score 4.2/10).
Always match a fund to your own risk profile and investment horizon.
Use the MF Analyser to compare it with peers in the Income category.
How does Direct Plan differ from Regular Plan for UTI FTIF Series XXVIII-I (1230 Days) Option?
The Direct plan of UTI FTIF Series XXVIII-I (1230 Days) Option has a lower expense ratio than the Regular plan because no distributor commission is paid.
On a ₹10 lakh investment over 20 years, even a 0.5% lower TER can save ₹5–10 lakh in compounded wealth.
BullWiser always recommends Direct plans for cost-conscious investors.
See Full Analysis on BullWiser
NAV chart, holdings, Direct vs Regular savings, Sharpe ratio, and personalised comparison — all free.
Open in MF Analyser →Browse Income Funds
⚠️ Disclaimer: BullWiser is an independent analysis platform, not a SEBI-registered investment advisor.
Honest Scores and verdicts are algorithmic assessments based on publicly available data.
They are not buy/sell recommendations. Please consult a financial advisor before investing.
Mutual fund investments are subject to market risks. Read all scheme-related documents carefully.