Should I invest in Motilal Oswal Ultra Short Term Fund Regular?

We don't give personal investment advice. Motilal Oswal Ultra Short Term Fund Regular - IDCW Monthly Payout/Reinvestment 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: 3.03%.

Motilal Oswal

Motilal Oswal Ultra Short Term Fund Regular - IDCW Monthly Payout/Reinvestment

Latest NAV

₹11.4918

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%	+0.03%	+0.00	47 / 68	Q3
1W	+0.07%	+0.04%	+0.03	38 / 68	Q3
2W	+0.10%	+0.03%	+0.07	17 / 68	Q1
1M	-0.22%	+0.13%	-0.36	61 / 68	Q4
3M	-0.35%	+0.70%	-1.05	64 / 68	Q4
6M	+0.06%	+1.29%	-1.23	49 / 68	Q3
YTD	+0.12%	+1.33%	-1.21	38 / 68	Q3
1Y	-0.07%	+1.79%	-1.86	54 / 68	Q4
2Y	+0.70%	+1.74%	-1.05	28 / 68	Q2
3Y	+2.44%	+1.80%	+0.64	20 / 67	Q2
4Y	+3.14%	+1.83%	+1.31	17 / 63	Q2
5Y	+3.03%	+1.78%	+1.25	17 / 61	Q2
7Y	+3.33%	+1.67%	+1.66	12 / 48	Q1
10Y	+1.35%	+1.51%	-0.16	11 / 28	Q2
Inception	+1.08%	+1.57%	-0.49	23 / 68	Q2

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	+0.12%	+0.97%	-0.85	30 / 58
2025	+0.00%	+1.68%	-1.68	31 / 58
2024	+4.55%	+2.18%	+2.36	16 / 59
2023	+5.80%	+2.14%	+3.66	19 / 60
2022	+3.61%	+1.48%	+2.13	16 / 58
2021	+2.37%	+0.94%	+1.43	14 / 51
2020	+4.33%	+1.79%	+2.54	16 / 54
2019	+6.18%	+1.35%	+4.83	6 / 44
2018	-11.80%	-1.34%	-10.46	30 / 33
2017	-0.10%	+1.37%	-1.47	24 / 32
2016	+0.53%	+2.02%	-1.50	13 / 27

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

+1.15%

145 windows

min -12.2% · max 6.1%

65% positive

3-Year rolling

+1.26%

121 windows

min -4.3% · max 4.9%

60% positive

5-Year rolling

+1.06%

96 windows

min -2.6% · max 4.5%

57% positive

7-Year rolling

+1.13%

72 windows

min -0.5% · max 3.8%

76% 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

0.94%

3-year · annualised

Sharpe ratio

-4.34

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.84%

May 2026 → May 2026

% positive months

61.1%

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	₹1,147.1096	17 Jul 2026
BANDHAN ULTRA SHORT DURATION FUND - REGULAR PLAN DAILY IDCW	Bandhan	₹10.0519	17 Jul 2026
Motilal Oswal Ultra Short Term Fund Regular - IDCW Daily Reinvestment	Motilal Oswal	₹11.4495	17 Jul 2026
Mirae Asset Ultra Short Duration Fund Regular IDCW	Mirae Asset	₹1,396.2209	17 Jul 2026
DSP BlackRock Money Manager Fund - Regular Plan - Daily Dividend Reinvest	DSP BlackRock	₹1,005.4914	17 Jul 2026
DSP Ultra Short Fund - Regular Plan - IDCW - Monthly	DSP	₹1,082.2831	17 Jul 2026
HSBC Ultra Short Duration Fund - Regular Daily IDCW	HSBC	₹1,031.7278	17 Jul 2026
Baroda BNP Paribas Ultra Short Duratio Fund- Regular Plan- Weekly IDCW	Baroda BNP Paribas	₹1,001.4535	17 Jul 2026
CANARA ROBECO ULTRA SHORT TERM FUND - REGULAR PLAN - MONTHLY IDCW (Payout/Reinvestment)	Canara Robeco	₹1,004.4697	17 Jul 2026
UTI Ultra Short Duration Fund - Regular Plan - Annual IDCW	UTI	₹1,473.4979	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹11.4918
16 Jul 2026	₹11.4875
15 Jul 2026	₹11.4840
14 Jul 2026	₹11.4832
13 Jul 2026	₹11.4866
10 Jul 2026	₹11.4840
9 Jul 2026	₹11.4820
8 Jul 2026	₹11.4768
7 Jul 2026	₹11.4799
6 Jul 2026	₹11.4836

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 Regular - IDCW Monthly Payout/Reinvestment is ₹11.4918. It's a Ultra Short Duration Fund from Motilal Oswal, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Motilal Oswal Ultra Short Term Fund Regular - IDCW Monthly Payout/Reinvestment 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 Regular - IDCW Monthly Payout/Reinvestment 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 Regular - IDCW Monthly Payout/Reinvestment has delivered a absolute return of -0.07% — -1.86 pp behind the Ultra Short Duration Fund category average of 1.79%. The fund ranks #54 of 68 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Motilal Oswal Ultra Short Term Fund Regular - IDCW Monthly Payout/Reinvestment has delivered a CAGR of 2.44% — +0.64 pp ahead of the Ultra Short Duration Fund category average of 1.80%. The fund ranks #20 of 67 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Motilal Oswal Ultra Short Term Fund Regular - IDCW Monthly Payout/Reinvestment has delivered a CAGR of 3.03% — +1.25 pp ahead of the Ultra Short Duration Fund category average of 1.78%. The fund ranks #17 of 61 in its category — the second (Q2) quartile.

₹1 lakh invested in Motilal Oswal Ultra Short Term Fund Regular - IDCW Monthly Payout/Reinvestment exactly 10 years ago would be worth approximately ₹114,357 today — a multiplier of 1.14×, based on the 10-year CAGR of 1.35%. The category average over the same window would have grown ₹1 lakh to ₹116,136.

A ₹10,000 monthly SIP in Motilal Oswal Ultra Short Term Fund Regular - IDCW Monthly Payout/Reinvestment over the last 5 years — total invested ₹600,000 — would be worth ₹636,334 today. That's an XIRR (money-weighted annualised return) of 2.32%.

A ₹10,000 monthly SIP for 10 years in Motilal Oswal Ultra Short Term Fund Regular - IDCW Monthly Payout/Reinvestment = ₹1,200,000 invested. It would currently be worth ₹1,347,501 (multiplier 1.12×). XIRR: 2.28%. 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 Regular - IDCW Monthly Payout/Reinvestment ranks #17 out of 61 funds in the Ultra Short Duration Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 1.78%; this fund delivered 3.03%.

The worst peak-to-trough decline Motilal Oswal Ultra Short Term Fund Regular - IDCW Monthly Payout/Reinvestment has experienced over the last 5-year window is 0.84% — its NAV fell from a high on 27 May 2026 to a low on 29 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, Motilal Oswal Ultra Short Term Fund Regular - IDCW Monthly Payout/Reinvestment averaged 1.06% (best 4.46%, worst -2.61%). 57% of rolling windows ended positive. The 5-year Sharpe ratio is -4.32 — negative risk-adjusted performance.

In calendar year 2025, Motilal Oswal Ultra Short Term Fund Regular - IDCW Monthly Payout/Reinvestment returned 0.00% — lagging the Ultra Short Duration Fund category average of 1.68% by 1.68 pp. It ranked #31 of 58 in its category that year.

Motilal Oswal Ultra Short Term Fund Regular - IDCW Monthly Payout/Reinvestment 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 Regular - IDCW Monthly Payout/Reinvestment 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: 3.03%.

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