Should I invest in ITI Ultra Short Term Fund - Monthly IDCW Option?

We don't give personal investment advice. ITI Ultra Short Term Fund - Regular Plan - Monthly IDCW 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: 0.8%. 5-year CAGR: 0.02%.

ITI

ITI Ultra Short Term Fund - Regular Plan - Monthly IDCW Option

Latest NAV

₹1,004.7720

As of

24 Jul 2026

1,263 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	+0.02%	+0.01%	+0.01	11 / 68	Q1
1W	+0.11%	-0.05%	+0.15	20 / 68	Q2
2W	+0.19%	+0.00%	+0.19	17 / 68	Q1
1M	-0.32%	+0.02%	-0.33	61 / 68	Q4
3M	-0.34%	+0.65%	-0.99	65 / 68	Q4
6M	+0.14%	+1.19%	-1.06	35 / 68	Q3
YTD	+0.30%	+1.27%	-0.97	34 / 68	Q2
1Y	-0.30%	+1.69%	-1.98	65 / 68	Q4
2Y	-0.07%	+1.68%	-1.74	63 / 68	Q4
3Y	-0.04%	+1.76%	-1.79	62 / 67	Q4
4Y	+0.01%	+1.81%	-1.80	44 / 63	Q3
5Y	+0.02%	+1.76%	-1.74	41 / 61	Q3
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+0.09%	+1.56%	-1.48	47 / 68	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	+0.30%	+0.91%	-0.60	27 / 58
2025	-0.08%	+1.68%	-1.76	53 / 58
2024	+0.02%	+2.18%	-2.17	41 / 59
2023	-0.01%	+2.14%	-2.16	53 / 60
2022	+0.04%	+1.48%	-1.45	40 / 58
2021	—	—	—	—

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

+0.05%

52 windows

min -0.5% · max 0.5%

67% positive

Limited basis — fund is young, so this average may be skewed by which 1Y windows happen to be available.

3-Year rolling

+0.05%

28 windows

min -0.1% · max 0.2%

86% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

+0.05%

3 windows

min 0.0% · max 0.1%

100% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

7-Year rolling

—

Insufficient history

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

0.65%

3-year · annualised

Sharpe ratio

-10.01

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.78%

Jun 2025 → May 2026

% positive months

38.9%

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
Invesco India Ultra Short Duration Fund - Regular Plan - Annual IDCW (Payout / Reinvestment)	Invesco	₹1,148.4205	24 Jul 2026
BANDHAN ULTRA SHORT DURATION FUND - REGULAR PLAN DAILY IDCW	Bandhan	₹10.0519	24 Jul 2026
Motilal Oswal Ultra Short Term Fund Regular - IDCW Daily Reinvestment	Motilal Oswal	₹11.4495	24 Jul 2026
Mirae Asset Ultra Short Duration Fund Regular IDCW	Mirae Asset	₹1,397.6150	24 Jul 2026
DSP Ultra Short Fund - Regular Plan - Growth	DSP BlackRock	₹3,620.4285	24 Jul 2026
DSP Ultra Short Fund - Regular Plan - IDCW - Monthly	DSP	₹1,083.5494	24 Jul 2026
HSBC Ultra Short Duration Fund - Regular Daily IDCW	HSBC	₹1,031.7278	24 Jul 2026
Baroda BNP Paribas Ultra Short Duratio Fund- Regular Plan- Weekly IDCW	Baroda BNP Paribas	₹1,001.3821	24 Jul 2026
CANARA ROBECO ULTRA SHORT TERM FUND - REGULAR PLAN - MONTHLY IDCW (Payout/Reinvestment)	Canara Robeco	₹1,005.4638	24 Jul 2026
UTI Ultra Short Duration Fund - Regular Plan - Annual IDCW	UTI	₹1,475.3589	24 Jul 2026

Recent NAVs

Date	NAV
24 Jul 2026	₹1,004.7720
23 Jul 2026	₹1,004.5344
22 Jul 2026	₹1,004.2992
21 Jul 2026	₹1,004.2915
20 Jul 2026	₹1,003.9005
17 Jul 2026	₹1,003.6926
16 Jul 2026	₹1,003.2791
15 Jul 2026	₹1,002.9806
14 Jul 2026	₹1,002.8514
13 Jul 2026	₹1,003.1666

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 24 Jul 2026, the NAV of ITI Ultra Short Term Fund - Regular Plan - Monthly IDCW Option is ₹1,004.7720. It's a Ultra Short Duration Fund from ITI, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

ITI Ultra Short Term Fund - Regular Plan - Monthly IDCW Option has NAV history starting from 06 May 2021, a track record of about 5 years 2 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

ITI Ultra Short Term Fund - Regular Plan - Monthly IDCW Option is managed by ITI. 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, ITI Ultra Short Term Fund - Regular Plan - Monthly IDCW Option has delivered a absolute return of -0.30% — -1.98 pp behind the Ultra Short Duration Fund category average of 1.69%. The fund ranks #65 of 68 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, ITI Ultra Short Term Fund - Regular Plan - Monthly IDCW Option has delivered a CAGR of -0.04% — -1.79 pp behind the Ultra Short Duration Fund category average of 1.76%. The fund ranks #62 of 67 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, ITI Ultra Short Term Fund - Regular Plan - Monthly IDCW Option has delivered a CAGR of 0.02% — -1.74 pp behind the Ultra Short Duration Fund category average of 1.76%. The fund ranks #41 of 61 in its category — the third (Q3) quartile.

₹1 lakh invested in ITI Ultra Short Term Fund - Regular Plan - Monthly IDCW Option exactly 5 years ago would be worth approximately ₹100,113 today — a multiplier of 1.00×, based on the 5-year CAGR of 0.02%. The category average over the same window would have grown ₹1 lakh to ₹109,110.

A ₹10,000 monthly SIP in ITI Ultra Short Term Fund - Regular Plan - Monthly IDCW Option over the last 5 years — total invested ₹600,000 — would be worth ₹599,727 today. That's an XIRR (money-weighted annualised return) of -0.02%.

ITI Ultra Short Term Fund - Regular Plan - Monthly IDCW Option doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹599,727 — XIRR -0.02%.

On a 5-year basis, ITI Ultra Short Term Fund - Regular Plan - Monthly IDCW Option ranks #41 out of 61 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 1.76%; this fund delivered 0.02%.

The worst peak-to-trough decline ITI Ultra Short Term Fund - Regular Plan - Monthly IDCW Option has experienced over the last 5-year window is 0.78% — its NAV fell from a high on 25 Jun 2025 to a low on 26 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, ITI Ultra Short Term Fund - Regular Plan - Monthly IDCW Option averaged 0.05% (best 0.10%, worst 0.02%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -11.75 — negative risk-adjusted performance.

In calendar year 2025, ITI Ultra Short Term Fund - Regular Plan - Monthly IDCW Option returned -0.08% — lagging the Ultra Short Duration Fund category average of 1.68% by 1.76 pp. It ranked #53 of 58 in its category that year.

ITI Ultra Short Term Fund - Regular Plan - Monthly IDCW 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. ITI Ultra Short Term Fund - Regular Plan - Monthly IDCW 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: 0.8%. 5-year CAGR: 0.02%.

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

ITI Ultra Short Term Fund - Regular Plan - Monthly IDCW Option

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Ultra Short Duration Fund

Recent NAVs

Frequently asked questions

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