Should I invest in UTI - FLOATING RATE STP -Instn Weekly Dividend Option?

We don't give personal investment advice. UTI - FLOATING RATE STP -Instn Weekly Dividend Option is suitable for an investor whose:understands what asset class this scheme actually invests in (check the factsheet)matches that asset class's volatility profile to their goal horizonCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 2.1%. 5-year CAGR: 1.41%.

UTI

UTI - FLOATING RATE STP -Instn Weekly Dividend Option

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	+0.03%	-8.69%	+8.71	3 / 23	Q1
1W	+0.16%	-8.62%	+8.77	2 / 23	Q1
2W	+0.30%	-8.56%	+8.87	2 / 23	Q1
1M	+0.65%	-8.48%	+9.13	1 / 23	Q1
3M	+1.98%	-7.99%	+9.97	1 / 23	Q1
6M	+4.42%	-7.23%	+11.65	1 / 23	Q1
YTD	+3.77%	-14.84%	+18.62	4 / 25	Q1
1Y	+4.79%	-17.92%	+22.70	9 / 24	Q2
2Y	+2.88%	-17.12%	+20.00	11 / 25	Q2
3Y	+1.92%	-29.96%	+31.88	11 / 31	Q2
4Y	+1.75%	-22.63%	+24.38	11 / 28	Q2
5Y	+1.41%	-18.05%	+19.46	11 / 24	Q2
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+1.39%	-27.72%	+29.12	11 / 30	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
2014 YTD	+3.77%	+3.53%	+0.25	7 / 18
2013	+0.56%	+3.32%	-2.75	10 / 20
2012	+1.36%	+3.06%	-1.70	8 / 18
2011	+0.02%	-5.64%	+5.67	16 / 21
2010	+1.36%	-19.63%	+20.99	12 / 23
2009	—	—	—	—

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

+1.00%

51 windows

min -0.2% · max 4.8%

92% positive

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

3-Year rolling

+0.78%

27 windows

min 0.4% · max 1.9%

100% positive

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

5-Year rolling

+1.35%

2 windows

min 1.3% · max 1.4%

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

1.50%

3-year · annualised

Sharpe ratio

-3.06

vs risk-free 6.5%

Sortino ratio

-5.18

Downside-only deviation

Max drawdown

-2.13%

Feb 2013 → May 2013

% positive months

63.9%

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.

Recent NAVs

Date	NAV
11 Sep 2014	₹1,073.6934
10 Sep 2014	₹1,073.4123
9 Sep 2014	₹1,073.2177
8 Sep 2014	₹1,072.9670
5 Sep 2014	₹1,072.2342
4 Sep 2014	₹1,072.0215
3 Sep 2014	₹1,071.7888
2 Sep 2014	₹1,071.5611
1 Sep 2014	₹1,071.3518
28 Aug 2014	₹1,070.4498

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.

UTI - FLOATING RATE STP -Instn Weekly Dividend Option is a Floating Rate from UTI (Unknown plan, IDCW (dividend) option). Latest NAV isn't currently available in our feed — the AMC publishes it once per business day after market close.

UTI - FLOATING RATE STP -Instn Weekly Dividend Option has NAV history starting from 29 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 Weekly Dividend Option is managed by UTI. It's classified by AMFI under the 'Floating Rate' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, UTI - FLOATING RATE STP -Instn Weekly Dividend Option has delivered a absolute return of 4.79% — +22.7 pp ahead of the Floating Rate category average of -17.92%. The fund ranks #9 of 24 in its category — the second (Q2) quartile.

Over the trailing 3-year window, UTI - FLOATING RATE STP -Instn Weekly Dividend Option has delivered a CAGR of 1.92% — +31.88 pp ahead of the Floating Rate category average of -29.96%. The fund ranks #11 of 31 in its category — the second (Q2) quartile.

Over the trailing 5-year window, UTI - FLOATING RATE STP -Instn Weekly Dividend Option has delivered a CAGR of 1.41% — +19.46 pp ahead of the Floating Rate category average of -18.05%. The fund ranks #11 of 24 in its category — the second (Q2) quartile.

₹1 lakh invested in UTI - FLOATING RATE STP -Instn Weekly Dividend Option exactly 5 years ago would be worth approximately ₹107,233 today — a multiplier of 1.07×, based on the 5-year CAGR of 1.41%. The category average over the same window would have grown ₹1 lakh to ₹36,952.

A ₹10,000 monthly SIP in UTI - FLOATING RATE STP -Instn Weekly Dividend Option over the last 5 years — total invested ₹600,000 — would be worth ₹633,628 today. That's an XIRR (money-weighted annualised return) of 2.15%.

UTI - FLOATING RATE STP -Instn Weekly Dividend Option doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹633,628 — XIRR 2.15%.

On a 5-year basis, UTI - FLOATING RATE STP -Instn Weekly Dividend Option ranks #11 out of 24 funds in the Floating Rate category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is -18.05%; this fund delivered 1.41%.

The worst peak-to-trough decline UTI - FLOATING RATE STP -Instn Weekly Dividend Option has experienced over the last 5-year window is 2.13% — its NAV fell from a high on 01 Feb 2013 to a low on 03 May 2013. 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 Weekly Dividend Option averaged 1.35% (best 1.41%, worst 1.29%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -4.16 — negative risk-adjusted performance.

In calendar year 2013, UTI - FLOATING RATE STP -Instn Weekly Dividend Option returned 0.56% — lagging the Floating Rate category average of 3.32% by 2.75 pp. It ranked #10 of 20 in its category that year.

UTI - FLOATING RATE STP -Instn Weekly Dividend Option doesn't fit cleanly into the standard Equity/Debt buckets in our taxonomy. Tax treatment depends on actual asset allocation as disclosed by the AMC — check the factsheet or AMFI's classification table.

We don't give personal investment advice. UTI - FLOATING RATE STP -Instn Weekly Dividend Option is suitable for an investor whose:

understands what asset class this scheme actually invests in (check the factsheet)
matches that asset class's volatility profile to their goal horizon

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 2.1%. 5-year CAGR: 1.41%.

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