Should I invest in Motilal Oswal Ultra Short Term Fund (MOFUSTF)?

We don't give personal investment advice. Motilal Oswal Ultra Short Term Fund (MOFUSTF) -Direct Plan- Growth 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: 0.2%. 5-year CAGR: 5.68%.

Motilal Oswal

Motilal Oswal Ultra Short Term Fund (MOFUSTF) -Direct Plan- Growth

Latest NAV

₹18.5612

As of

17 Jul 2026

3,101 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	+0.04%	+0.05%	-0.01	25 / 27	Q4
1W	+0.09%	+0.10%	-0.02	23 / 27	Q4
2W	+0.13%	+0.12%	+0.01	7 / 27	Q2
1M	+0.57%	+0.62%	-0.05	26 / 27	Q4
3M	+1.52%	+1.70%	-0.19	26 / 27	Q4
6M	+3.28%	+3.54%	-0.26	26 / 27	Q4
YTD	+3.37%	+3.71%	-0.33	26 / 27	Q4
1Y	+6.16%	+6.56%	-0.40	25 / 27	Q4
2Y	+6.37%	+7.10%	-0.72	26 / 27	Q4
3Y	+6.48%	+7.15%	-0.67	25 / 26	Q4
4Y	+6.31%	+7.08%	-0.77	25 / 26	Q4
5Y	+5.68%	+6.52%	-0.84	25 / 25	Q4
7Y	+5.29%	+6.40%	-1.11	20 / 20	Q4
10Y	+4.10%	+6.50%	-2.40	11 / 11	Q4
Inception	+4.92%	+6.83%	-1.91	27 / 27	Q4

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	+3.37%	+3.54%	-0.17	24 / 25
2025	+6.31%	+7.21%	-0.90	25 / 25
2024	+6.57%	+7.61%	-1.04	24 / 24
2023	+6.48%	+7.20%	-0.72	23 / 24
2022	+4.11%	+4.77%	-0.65	25 / 25
2021	+3.15%	+4.42%	-1.27	23 / 23
2020	+4.34%	+5.72%	-1.38	20 / 22
2019	+6.18%	+7.27%	-1.09	15 / 18
2018	-7.81%	+6.38%	-14.19	13 / 13
2017	+6.00%	+7.15%	-1.16	13 / 13
2016	+6.84%	+8.94%	-2.10	12 / 12

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

+4.70%

145 windows

min -7.9% · max 8.7%

89% positive

3-Year rolling

+4.24%

121 windows

min 0.0% · max 7.7%

100% positive

5-Year rolling

+3.65%

96 windows

min 1.8% · max 5.8%

100% positive

7-Year rolling

+3.64%

72 windows

min 3.1% · max 5.3%

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

0.31%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.05%

Jul 2026 → Jul 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 Ultra Short Duration Fund

Scheme	Fund house	NAV	As of
HDFC Ultra Short Term Fund - Direct Plan-Growth Option	HDFC	₹16.5215	17 Jul 2026
Nippon India Ultra Short Duration Fund- Direct Plan- Growth Option	Nippon India	₹4,766.7333	17 Jul 2026
SBI ULTRA SHORT DURATION FUND - DIRECT PLAN - GROWTH	SBI	₹6,490.9293	17 Jul 2026
ICICI Prudential Ultra Short Term Fund - Direct Plan - Growth	ICICI Prudential	₹32.0719	17 Jul 2026
Invesco India Ultra Short Duration Fund - Direct Plan - Growth	Invesco	₹3,079.7706	17 Jul 2026
BANDHAN ULTRA SHORT DURATION FUND - DIRECT PLAN GROWTH	Bandhan	₹16.4531	17 Jul 2026
Aditya Birla Sun Life Savings Fund - Growth - Direct Plan	Aditya Birla Sun Life	₹597.3794	17 Jul 2026
Franklin India Ultra Short Duration Fund - Direct - Growth	Franklin India	₹11.4052	17 Jul 2026
Mirae Asset Ultra Short Duration Fund Direct Growth	Mirae Asset	₹1,415.5347	17 Jul 2026
Kotak Savings Fund-Growth - Direct	Kotak	₹48.0027	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹18.5612
16 Jul 2026	₹18.5538
15 Jul 2026	₹18.5477
14 Jul 2026	₹18.5459
13 Jul 2026	₹18.5509
10 Jul 2026	₹18.5453
9 Jul 2026	₹18.5416
8 Jul 2026	₹18.5327
7 Jul 2026	₹18.5373
6 Jul 2026	₹18.5428

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 17 Jul 2026, the NAV of Motilal Oswal Ultra Short Term Fund (MOFUSTF) -Direct Plan- Growth is ₹18.5612. It's a Ultra Short Duration Fund from Motilal Oswal, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

Motilal Oswal Ultra Short Term Fund (MOFUSTF) -Direct Plan- Growth has NAV history starting from 10 Sep 2013, a track record of about 12 years 10 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.

Motilal Oswal Ultra Short Term Fund (MOFUSTF) -Direct Plan- Growth is managed by Motilal Oswal. 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, Motilal Oswal Ultra Short Term Fund (MOFUSTF) -Direct Plan- Growth has delivered a absolute return of 6.16% — -0.4 pp behind the Ultra Short Duration Fund category average of 6.56%. The fund ranks #25 of 27 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Motilal Oswal Ultra Short Term Fund (MOFUSTF) -Direct Plan- Growth has delivered a CAGR of 6.48% — -0.67 pp behind the Ultra Short Duration Fund category average of 7.15%. The fund ranks #25 of 26 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Motilal Oswal Ultra Short Term Fund (MOFUSTF) -Direct Plan- Growth has delivered a CAGR of 5.68% — -0.84 pp behind the Ultra Short Duration Fund category average of 6.52%. The fund ranks #25 of 25 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Motilal Oswal Ultra Short Term Fund (MOFUSTF) -Direct Plan- Growth exactly 10 years ago would be worth approximately ₹149,491 today — a multiplier of 1.49×, based on the 10-year CAGR of 4.10%. The category average over the same window would have grown ₹1 lakh to ₹187,740.

A ₹10,000 monthly SIP in Motilal Oswal Ultra Short Term Fund (MOFUSTF) -Direct Plan- Growth over the last 5 years — total invested ₹600,000 — would be worth ₹702,173 today. That's an XIRR (money-weighted annualised return) of 6.22%.

A ₹10,000 monthly SIP for 10 years in Motilal Oswal Ultra Short Term Fund (MOFUSTF) -Direct Plan- Growth = ₹1,200,000 invested. It would currently be worth ₹1,538,372 (multiplier 1.28×). XIRR: 4.85%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Motilal Oswal Ultra Short Term Fund (MOFUSTF) -Direct Plan- Growth ranks #25 out of 25 funds in the Ultra Short Duration Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 6.52%; this fund delivered 5.68%.

The worst peak-to-trough decline Motilal Oswal Ultra Short Term Fund (MOFUSTF) -Direct Plan- Growth has experienced over the last 5-year window is 0.18% — its NAV fell from a high on 02 May 2022 to a low on 11 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, Motilal Oswal Ultra Short Term Fund (MOFUSTF) -Direct Plan- Growth averaged 3.65% (best 5.75%, worst 1.81%). 100% of rolling windows ended positive.

In calendar year 2025, Motilal Oswal Ultra Short Term Fund (MOFUSTF) -Direct Plan- Growth returned 6.31% — lagging the Ultra Short Duration Fund category average of 7.21% by 0.90 pp. It ranked #25 of 25 in its category that year.

Motilal Oswal Ultra Short Term Fund (MOFUSTF) -Direct Plan- Growth 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. Motilal Oswal Ultra Short Term Fund (MOFUSTF) -Direct Plan- Growth 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: 0.2%. 5-year CAGR: 5.68%.

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

Motilal Oswal Ultra Short Term Fund (MOFUSTF) -Direct Plan- Growth

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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