Should I invest in UTI - FLOATING RATE STP - INSTN GROWTH OPTION?

We don't give personal investment advice. UTI - FLOATING RATE STP - INSTN GROWTH 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: 0.2%. 5-year CAGR: 6.50%.

UTI

UTI - FLOATING RATE STP - INSTN GROWTH OPTION

Latest NAV

₹3,202.2269

As of

10 Jun 2026

4,081 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	+0.08%	+0.04%	+0.04	15 / 41	Q2
1W	+0.27%	+0.18%	+0.09	15 / 41	Q2
2W	+0.45%	+0.31%	+0.15	13 / 40	Q2
1M	+0.46%	+0.32%	+0.14	12 / 40	Q2
3M	+1.46%	+0.86%	+0.60	10 / 41	Q1
6M	+2.74%	+1.35%	+1.39	11 / 41	Q2
YTD	+2.40%	+1.31%	+1.09	9 / 41	Q1
1Y	+5.60%	+2.26%	+3.35	10 / 41	Q1
2Y	+6.56%	+2.27%	+4.29	9 / 39	Q1
3Y	+6.75%	+1.87%	+4.88	6 / 36	Q1
4Y	+6.61%	+1.95%	+4.66	4 / 31	Q1
5Y	+6.50%	+1.84%	+4.66	1 / 30	Q1
7Y	+6.20%	+1.84%	+4.36	3 / 30	Q1
10Y	+6.22%	+2.20%	+4.01	4 / 20	Q1
Inception	+7.12%	+2.03%	+5.09	8 / 41	Q1

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	+2.40%	+0.84%	+1.56	4 / 28
2025	+6.62%	+2.08%	+4.54	5 / 28
2024	+7.30%	+2.04%	+5.26	4 / 29
2023	+6.93%	+2.06%	+4.87	4 / 29
2022	+4.40%	+1.21%	+3.19	6 / 31
2021	+6.28%	+1.04%	+5.24	1 / 30
2020	+5.41%	+1.89%	+3.52	5 / 31
2019	+3.42%	+1.34%	+2.08	8 / 35
2018	+7.19%	+2.74%	+4.45	6 / 27
2017	+6.98%	+2.51%	+4.47	2 / 26
2016	+9.05%	+3.00%	+6.05	3 / 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

+7.25%

194 windows

min 2.5% · max 10.0%

100% positive

3-Year rolling

+7.27%

170 windows

min 4.4% · max 9.6%

100% positive

5-Year rolling

+7.18%

146 windows

min 5.3% · max 9.3%

100% positive

7-Year rolling

+7.10%

121 windows

min 5.7% · max 9.0%

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

0.36%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.06%

May 2026 → May 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 - 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-DAILY DIVIDEND	UTI	₹1,047.0376	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	₹3,202.2269
9 Jun 2026	₹3,201.4459
8 Jun 2026	₹3,198.9237
5 Jun 2026	₹3,196.3878
4 Jun 2026	₹3,194.0329
3 Jun 2026	₹3,193.4301
2 Jun 2026	₹3,192.8636
1 Jun 2026	₹3,192.0760
29 May 2026	₹3,189.7772
27 May 2026	₹3,187.6168

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 - INSTN GROWTH OPTION is ₹3,202.2269. 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 - INSTN GROWTH OPTION has NAV history starting from 15 Jul 2009, a track record of about 16 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 - INSTN GROWTH OPTION 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 - INSTN GROWTH OPTION has delivered a absolute return of 5.60% — +3.35 pp ahead of the Ultra Short Duration Fund category average of 2.26%. The fund ranks #10 of 41 in its category — the top (Q1) quartile.

Over the trailing 3-year window, UTI - FLOATING RATE STP - INSTN GROWTH OPTION has delivered a CAGR of 6.75% — +4.88 pp ahead of the Ultra Short Duration Fund category average of 1.87%. The fund ranks #6 of 36 in its category — the top (Q1) quartile.

Over the trailing 5-year window, UTI - FLOATING RATE STP - INSTN GROWTH OPTION has delivered a CAGR of 6.50% — +4.66 pp ahead of the Ultra Short Duration Fund category average of 1.84%. The fund ranks #1 of 30 in its category — the top (Q1) quartile.

₹1 lakh invested in UTI - FLOATING RATE STP - INSTN GROWTH OPTION exactly 10 years ago would be worth approximately ₹182,781 today — a multiplier of 1.83×, based on the 10-year CAGR of 6.22%. 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 - INSTN GROWTH OPTION over the last 5 years — total invested ₹600,000 — would be worth ₹707,535 today. That's an XIRR (money-weighted annualised return) of 6.52%.

A ₹10,000 monthly SIP for 10 years in UTI - FLOATING RATE STP - INSTN GROWTH OPTION = ₹1,200,000 invested. It would currently be worth ₹1,644,106 (multiplier 1.37×). XIRR: 6.13%. 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 - INSTN GROWTH OPTION ranks #1 out of 30 funds in the Ultra Short Duration Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 1.84%; this fund delivered 6.50%.

The worst peak-to-trough decline UTI - FLOATING RATE STP - INSTN GROWTH OPTION has experienced over the last 5-year window is 0.24% — its NAV fell from a high on 02 May 2022 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 - FLOATING RATE STP - INSTN GROWTH OPTION averaged 7.18% (best 9.28%, worst 5.28%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.15 — negative risk-adjusted performance.

In calendar year 2025, UTI - FLOATING RATE STP - INSTN GROWTH OPTION returned 6.62% — beating the Ultra Short Duration Fund category average of 2.08% by 4.54 pp. It ranked #5 of 28 in its category that year.

UTI - FLOATING RATE STP - INSTN GROWTH 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 - FLOATING RATE STP - INSTN GROWTH 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: 0.2%. 5-year CAGR: 6.50%.

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

UTI - FLOATING RATE STP - INSTN GROWTH 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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