Should I invest in UTI - FLOATING RATE STP-DAILY DIVIDEND?

We don't give personal investment advice. UTI - FLOATING RATE STP-DAILY DIVIDEND is suitable for an investor whose:time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ yearsprimary goal is capital preservation or steady accrual, not high growthtax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 0.4%. 5-year CAGR: 0.02%.

UTI

UTI - FLOATING RATE STP-DAILY DIVIDEND

Latest NAV

₹1,047.0376

As of

10 Jun 2026

4,309 NAV records on file

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	+0.06%	+0.04%	+0.02	19 / 41	Q2
1W	+0.07%	+0.18%	-0.11	27 / 41	Q3
2W	+0.09%	+0.31%	-0.22	32 / 40	Q4
1M	+0.02%	+0.32%	-0.30	32 / 40	Q4
3M	+0.02%	+0.86%	-0.85	30 / 41	Q3
6M	-0.06%	+1.35%	-1.41	38 / 41	Q4
YTD	-0.10%	+1.31%	-1.41	39 / 41	Q4
1Y	-0.13%	+2.26%	-2.38	34 / 41	Q4
2Y	+0.04%	+2.27%	-2.23	24 / 39	Q3
3Y	+0.03%	+1.87%	-1.84	23 / 36	Q3
4Y	+0.02%	+1.95%	-1.93	22 / 31	Q3
5Y	+0.02%	+1.84%	-1.83	19 / 30	Q3
7Y	+0.12%	+1.84%	-1.72	18 / 30	Q3
10Y	-0.28%	+2.20%	-2.48	20 / 20	Q4
Inception	+0.26%	+2.03%	-1.77	23 / 41	Q3

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2026 YTD	-0.10%	+0.84%	-0.94	26 / 28
2025	+0.17%	+2.08%	-1.91	15 / 28
2024	+0.00%	+2.04%	-2.04	19 / 29
2023	+0.00%	+2.06%	-2.06	19 / 29
2022	+0.00%	+1.21%	-1.21	23 / 31
2021	+0.00%	+1.04%	-1.04	17 / 30
2020	+0.00%	+1.89%	-1.89	28 / 31
2019	-2.85%	+1.34%	-4.20	35 / 35
2018	+0.00%	+2.74%	-2.74	22 / 27
2017	+0.00%	+2.51%	-2.51	17 / 26
2016	+0.00%	+3.00%	-3.00	14 / 18

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+0.22%

206 windows

min -3.4% · max 2.4%

39% positive

3-Year rolling

+0.16%

182 windows

min -1.2% · max 1.9%

39% positive

5-Year rolling

+0.05%

157 windows

min -0.7% · max 1.4%

46% positive

7-Year rolling

-0.03%

133 windows

min -0.4% · max 1.0%

36% positive

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

0.26%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.41%

Aug 2025 → May 2026

% positive months

16.7%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Peers in Ultra Short Duration Fund

Scheme	Fund house	NAV	As of
HDFC Ultra Short Term Fund - Daily IDCW Option	HDFC	₹10.1030	10 Jun 2026
NIPPON INDIA ULTRA SHORT DURATION FUND - DAILY IDCW OPTION	Nippon India	₹1,114.1500	10 Jun 2026
MAGNUM INSTA CASH FUND - DAILY DIVIDEND	SBI	₹2,379.0323	10 Jun 2026
ICICI Prudential Ultra Short Term Fund - Daily IDCW	ICICI Prudential	₹10.0696	10 Jun 2026
Franklin India Ultra Short Duration Fund - IDCW	Franklin India	₹10.7115	10 Jun 2026
Kotak Floater Long-Term-Growth	Kotak Mahindra	₹45.2773	10 Jun 2026
UTI - FLOATING RATE STP - INSTN GROWTH OPTION	UTI	₹3,202.2269	10 Jun 2026
PGIM India Ultra Short Duration Fund - Daily Dividend	PGIM India	₹10.0203	10 Jun 2026
Birla Sun Life Savings Fund - Discipline Advantage Plan	Birla Sun Life	₹332.2901	10 Jun 2026
Sundaram Ultra Short Duration Fund (Formerly Known as Principal Ultra Short Term Fund) - Income Distribution CUM Capital Withdrawal Option (IDCW)	Sundaram	₹1,069.2235	10 Jun 2026

Recent NAVs

Date	NAV
10 Jun 2026	₹1,047.0376
9 Jun 2026	₹1,046.9660
8 Jun 2026	₹1,046.3683
5 Jun 2026	₹1,046.2313
4 Jun 2026	₹1,046.3007
3 Jun 2026	₹1,046.2306
2 Jun 2026	₹1,046.2268
1 Jun 2026	₹1,046.1845
29 May 2026	₹1,046.1477
27 May 2026	₹1,046.1477

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

As of 10 Jun 2026, the NAV of UTI - FLOATING RATE STP-DAILY DIVIDEND is ₹1,047.0376. It's a Ultra Short Duration Fund from UTI, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

UTI - FLOATING RATE STP-DAILY DIVIDEND has NAV history starting from 25 Jul 2008, a track record of about 17 years 10 months. Long-tenured funds like this have weathered multiple market cycles — the 2008 crash, 2013 taper tantrum, 2020 COVID drawdown — which makes their returns more credible than a 3-year track record alone.

UTI - FLOATING RATE STP-DAILY DIVIDEND is managed by UTI. It's classified by AMFI under the 'Ultra Short Duration Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, UTI - FLOATING RATE STP-DAILY DIVIDEND has delivered a absolute return of -0.13% — -2.38 pp behind the Ultra Short Duration Fund category average of 2.26%. The fund ranks #34 of 41 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, UTI - FLOATING RATE STP-DAILY DIVIDEND has delivered a CAGR of 0.03% — -1.84 pp behind the Ultra Short Duration Fund category average of 1.87%. The fund ranks #23 of 36 in its category — the third (Q3) quartile.

Over the trailing 5-year window, UTI - FLOATING RATE STP-DAILY DIVIDEND has delivered a CAGR of 0.02% — -1.83 pp behind the Ultra Short Duration Fund category average of 1.84%. The fund ranks #19 of 30 in its category — the third (Q3) quartile.

₹1 lakh invested in UTI - FLOATING RATE STP-DAILY DIVIDEND exactly 10 years ago would be worth approximately ₹97,222 today — a multiplier of 0.97×, based on the 10-year CAGR of -0.28%. The category average over the same window would have grown ₹1 lakh to ₹124,336.

A ₹10,000 monthly SIP in UTI - FLOATING RATE STP-DAILY DIVIDEND over the last 5 years — total invested ₹600,000 — would be worth ₹600,300 today. That's an XIRR (money-weighted annualised return) of 0.02%.

A ₹10,000 monthly SIP for 10 years in UTI - FLOATING RATE STP-DAILY DIVIDEND = ₹1,200,000 invested. It would currently be worth ₹1,190,625 (multiplier 0.99×). XIRR: -0.16%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, UTI - FLOATING RATE STP-DAILY DIVIDEND ranks #19 out of 30 funds in the Ultra Short Duration Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 1.84%; this fund delivered 0.02%.

The worst peak-to-trough decline UTI - FLOATING RATE STP-DAILY DIVIDEND has experienced over the last 5-year window is 0.41% — its NAV fell from a high on 21 Aug 2025 to a low on 21 May 2026. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, UTI - FLOATING RATE STP-DAILY DIVIDEND averaged 0.05% (best 1.41%, worst -0.70%). 46% of rolling windows ended positive.

In calendar year 2025, UTI - FLOATING RATE STP-DAILY DIVIDEND returned 0.17% — lagging the Ultra Short Duration Fund category average of 2.08% by 1.91 pp. It ranked #15 of 28 in its category that year.

UTI - FLOATING RATE STP-DAILY DIVIDEND is classified as a Debt fund. For units acquired on or after 1 April 2023, all gains are taxed at your income-tax slab rate regardless of holding period — there's no LTCG concession or indexation. For pre-April-2023 units, the old rules with indexation still apply on long-term gains.

We don't give personal investment advice. UTI - FLOATING RATE STP-DAILY DIVIDEND is suitable for an investor whose:

time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ years
primary goal is capital preservation or steady accrual, not high growth
tax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 0.4%. 5-year CAGR: 0.02%.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.