Should I invest in UTI - Short Term Income Fund -Institutional Dividend Option?

We don't give personal investment advice. UTI - Short Term Income Fund -Institutional Dividend Option 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: 1.3%. 5-year CAGR: 6.27%.

UTI

UTI - Short Term Income Fund -Institutional Dividend Option

Latest NAV

₹17.2084

As of

10 Jun 2026

4,230 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	+0.18%	-6.68%	+6.86	3 / 15	Q1
1W	+0.67%	+5.36%	-4.69	8 / 15	Q3
2W	+0.89%	+5.62%	-4.73	10 / 15	Q3
1M	+0.72%	+6.94%	-6.22	9 / 15	Q3
3M	+1.13%	+7.24%	-6.11	6 / 15	Q2
6M	+2.08%	+8.22%	-6.14	9 / 15	Q3
YTD	+1.87%	+8.27%	-6.40	6 / 15	Q2
1Y	+4.38%	+9.36%	-4.98	7 / 15	Q2
2Y	+6.88%	+2.20%	+4.67	7 / 15	Q2
3Y	+6.88%	+0.38%	+6.50	4 / 15	Q2
4Y	+6.81%	-0.11%	+6.91	4 / 15	Q2
5Y	+6.27%	-0.79%	+7.06	4 / 15	Q2
7Y	+6.28%	-1.28%	+7.56	5 / 15	Q2
10Y	+3.75%	-2.02%	+5.77	10 / 15	Q3
Inception	+2.96%	-3.40%	+6.36	8 / 13	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	+1.87%	+1.59%	+0.27	2 / 8
2025	+7.32%	+27.18%	-19.86	7 / 9
2024	+7.86%	+6.02%	+1.84	1 / 9
2023	+6.92%	+5.91%	+1.01	2 / 9
2022	+3.00%	+3.42%	-0.42	6 / 9
2021	+4.61%	+4.48%	+0.13	3 / 9
2020	+6.52%	+5.70%	+0.83	9 / 13
2019	-5.40%	+1.27%	-6.66	13 / 14
2018	+2.56%	-4.01%	+6.57	7 / 15
2017	+0.06%	+2.34%	-2.29	11 / 15
2016	+2.87%	+4.68%	-1.81	9 / 15

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

+3.25%

197 windows

min -8.4% · max 11.0%

90% positive

3-Year rolling

+2.92%

180 windows

min -1.8% · max 7.6%

94% positive

5-Year rolling

+2.69%

155 windows

min -0.4% · max 6.3%

99% positive

7-Year rolling

+2.44%

131 windows

min 0.6% · max 6.3%

100% 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

1.03%

3-year · annualised

Sharpe ratio

0.18

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.56%

Mar 2026 → Apr 2026

% positive months

100.0%

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 Short Duration Fund

Scheme	Fund house	NAV	As of
HDFC Short Term Debt Fund - Fortnightly IDCW - Direct Plan	HDFC	₹10.4005	10 Jun 2026
NIPPON INDIA SHORT DURATION FUND - Direct Plan - IDCW Option	Nippon India	₹24.6633	10 Jun 2026
SBI SHORT HORIZON DEBT FUND-SHORT TERM FUND INSTITUTIONAL DIVIDEND FORTNIGHTLY	SBI	₹15.2682	10 Jun 2026
ICICI Prudential Short Term Fund - Direct Plan - Monthly IDCW	ICICI Prudential	₹12.7804	10 Jun 2026
Invesco India Short Duration Fund - Direct Plan - Daily IDCW (Reinvestment)	Invesco	₹1,023.5520	10 Jun 2026
Bandhan Short Duration Fund - Direct Plan - Annual IDCW	Bandhan	₹10.9636	10 Jun 2026
Aditya Birla Sun Life Short Term Fund - DIRECT - IDCW	Aditya Birla Sun Life	₹10.9447	10 Jun 2026
Franklin India Short term Income Plan- Retail Plan-Segregated Portfolio 3 (9.50% Yes Bank Ltd CO 23Dec21) - Direct Monthly - IDCW	Franklin India	₹0.0000	10 Jun 2026
Mirae Asset Short Duration Fund - Direct Plan - IDCW	Mirae Asset	₹17.4967	10 Jun 2026
Kotak Bond Short Term Plan - Direct - Standard Income Distribution cum capital withdrawal option	Kotak	₹16.0405	10 Jun 2026

Recent NAVs

Date	NAV
10 Jun 2026	₹17.2084
9 Jun 2026	₹17.1982
8 Jun 2026	₹17.1672
5 Jun 2026	₹17.1381
4 Jun 2026	₹17.0940
3 Jun 2026	₹17.0836
2 Jun 2026	₹17.0833
1 Jun 2026	₹17.0721
29 May 2026	₹17.0627
27 May 2026	₹17.0519

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 - Short Term Income Fund -Institutional Dividend Option is ₹17.2084. It's a Short Duration Fund from UTI, run as a Institutional plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

UTI - Short Term Income Fund -Institutional Dividend Option has NAV history starting from 20 Nov 2007, a track record of about 18 years 6 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 - Short Term Income Fund -Institutional Dividend Option is managed by UTI. It's classified by AMFI under the 'Short Duration Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, UTI - Short Term Income Fund -Institutional Dividend Option has delivered a absolute return of 4.38% — -4.98 pp behind the Short Duration Fund category average of 9.36%. The fund ranks #7 of 15 in its category — the second (Q2) quartile.

Over the trailing 3-year window, UTI - Short Term Income Fund -Institutional Dividend Option has delivered a CAGR of 6.88% — +6.5 pp ahead of the Short Duration Fund category average of 0.38%. The fund ranks #4 of 15 in its category — the second (Q2) quartile.

Over the trailing 5-year window, UTI - Short Term Income Fund -Institutional Dividend Option has delivered a CAGR of 6.27% — +7.06 pp ahead of the Short Duration Fund category average of -0.79%. The fund ranks #4 of 15 in its category — the second (Q2) quartile.

₹1 lakh invested in UTI - Short Term Income Fund -Institutional Dividend Option exactly 10 years ago would be worth approximately ₹144,548 today — a multiplier of 1.45×, based on the 10-year CAGR of 3.75%. The category average over the same window would have grown ₹1 lakh to ₹81,568.

A ₹10,000 monthly SIP in UTI - Short Term Income Fund -Institutional Dividend Option over the last 5 years — total invested ₹600,000 — would be worth ₹707,802 today. That's an XIRR (money-weighted annualised return) of 6.54%.

A ₹10,000 monthly SIP for 10 years in UTI - Short Term Income Fund -Institutional Dividend Option = ₹1,200,000 invested. It would currently be worth ₹1,549,571 (multiplier 1.29×). XIRR: 4.99%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, UTI - Short Term Income Fund -Institutional Dividend Option ranks #4 out of 15 funds in the Short Duration Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is -0.79%; this fund delivered 6.27%.

The worst peak-to-trough decline UTI - Short Term Income Fund -Institutional Dividend Option has experienced over the last 5-year window is 1.25% — its NAV fell from a high on 14 Dec 2021 to a low on 06 May 2022. 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 - Short Term Income Fund -Institutional Dividend Option averaged 2.69% (best 6.30%, worst -0.43%). 99% of rolling windows ended positive. The 5-year Sharpe ratio is -0.20 — negative risk-adjusted performance.

In calendar year 2025, UTI - Short Term Income Fund -Institutional Dividend Option returned 7.32% — lagging the Short Duration Fund category average of 27.18% by 19.86 pp. It ranked #7 of 9 in its category that year.

UTI - Short Term Income Fund -Institutional Dividend Option 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 - Short Term Income Fund -Institutional Dividend Option 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: 1.3%. 5-year CAGR: 6.27%.

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