Should I invest in UTI - Short Term Income Fund?

We don't give personal investment advice. UTI - Short Term Income Fund - 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: 0.7%. 5-year CAGR: 6.68%.

UTI

UTI - Short Term Income Fund - Growth Option

Latest NAV

₹46.8119

As of

10 Jun 2026

4,535 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	+0.18%	+0.10%	+0.08	19 / 39	Q2
1W	+0.67%	+15.32%	-14.65	23 / 40	Q3
2W	+0.89%	+15.45%	-14.55	24 / 40	Q3
1M	+0.72%	+17.24%	-16.52	21 / 40	Q3
3M	+1.13%	+17.60%	-16.47	23 / 40	Q3
6M	+2.08%	+18.43%	-16.35	21 / 40	Q3
YTD	+1.87%	+18.07%	-16.21	15 / 40	Q2
1Y	+4.38%	+19.68%	-15.30	17 / 40	Q2
2Y	+6.79%	+8.40%	-1.61	18 / 40	Q2
3Y	+6.70%	+5.83%	+0.87	17 / 40	Q2
4Y	+6.59%	+4.99%	+1.60	17 / 39	Q2
5Y	+6.68%	+4.15%	+2.52	11 / 38	Q2
7Y	+7.17%	+2.95%	+4.22	9 / 37	Q1
10Y	+5.74%	+4.99%	+0.75	13 / 27	Q2
Inception	+7.21%	+1.95%	+5.26	10 / 40	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	+1.87%	+1.16%	+0.71	7 / 21
2025	+7.32%	+34.44%	-27.12	11 / 25
2024	+7.50%	+3.79%	+3.71	9 / 25
2023	+6.59%	+4.24%	+2.35	13 / 25
2022	+3.45%	+2.62%	+0.83	7 / 26
2021	+7.99%	+3.74%	+4.25	6 / 26
2020	+9.95%	+3.74%	+6.21	4 / 30
2019	-4.31%	+2.23%	-6.54	27 / 30
2018	+5.50%	+2.73%	+2.77	11 / 30
2017	+5.51%	+2.37%	+3.15	8 / 37
2016	+9.60%	+5.27%	+4.33	10 / 37

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

+7.26%

217 windows

min -5.4% · max 12.5%

94% positive

3-Year rolling

+7.13%

193 windows

min 2.0% · max 10.1%

100% positive

5-Year rolling

+7.12%

169 windows

min 4.2% · max 9.9%

100% positive

7-Year rolling

+6.96%

144 windows

min 4.7% · max 9.2%

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

1.02%

3-year · annualised

Sharpe ratio

0.01

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.56%

Mar 2026 → Apr 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 Short Duration Fund

Scheme	Fund house	NAV	As of
HDFC Short Term Debt Fund - Fortnightly IDCW Option	HDFC	₹10.2906	10 Jun 2026
NIPPON INDIA SHORT DURATION FUND - IDCW Option	Nippon India	₹22.5972	10 Jun 2026
SBI SHORT HORIZON DEBT FUND-SHORT TERM FUND INSTTUTIONAL GROWTH	SBI	₹33.7077	10 Jun 2026
ICICI Prudential Short Term Plan - Div. Option	ICICI Prudential	₹12.1610	10 Jun 2026
Kotak Bond Short Term Plan-(Growth)	Kotak Mahindra	₹54.5407	10 Jun 2026
DSP BlackRock Short Term Fund-Dividend	DSP BlackRock	₹12.1872	10 Jun 2026
HSBC Short Duration Fund - Bonus	HSBC	₹27.7824	10 Jun 2026
UTI - Short Term Income Fund - Dividend Option	UTI	₹24.7470	10 Jun 2026
IDFC - SSIF - Short Term - Plan A - Fortnightly Dividend	IDFC	₹10.4962	10 Jun 2026
Reliance Short Term Fund-Dividend Re-investment Plan	Reliance	₹11.6195	10 Jun 2026

Recent NAVs

Date	NAV
10 Jun 2026	₹46.8119
9 Jun 2026	₹46.7841
8 Jun 2026	₹46.6998
5 Jun 2026	₹46.6204
4 Jun 2026	₹46.5007
3 Jun 2026	₹46.4723
2 Jun 2026	₹46.4713
1 Jun 2026	₹46.4409
29 May 2026	₹46.4155
27 May 2026	₹46.3860

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 - Short Term Income Fund - Growth Option is ₹46.8119. It's a Short Duration Fund from UTI, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

UTI - Short Term Income Fund - Growth Option has NAV history starting from 28 Aug 2007, a track record of about 18 years 9 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 - Short Term Income Fund - Growth Option is managed by UTI. It's classified by AMFI under the 'Short Duration Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, UTI - Short Term Income Fund - Growth Option has delivered a absolute return of 4.38% — -15.3 pp behind the Short Duration Fund category average of 19.68%. The fund ranks #17 of 40 in its category — the second (Q2) quartile.

Over the trailing 3-year window, UTI - Short Term Income Fund - Growth Option has delivered a CAGR of 6.70% — +0.87 pp ahead of the Short Duration Fund category average of 5.83%. The fund ranks #17 of 40 in its category — the second (Q2) quartile.

Over the trailing 5-year window, UTI - Short Term Income Fund - Growth Option has delivered a CAGR of 6.68% — +2.52 pp ahead of the Short Duration Fund category average of 4.15%. The fund ranks #11 of 38 in its category — the second (Q2) quartile.

₹1 lakh invested in UTI - Short Term Income Fund - Growth Option exactly 10 years ago would be worth approximately ₹174,768 today — a multiplier of 1.75×, based on the 10-year CAGR of 5.74%. The category average over the same window would have grown ₹1 lakh to ₹162,787.

A ₹10,000 monthly SIP in UTI - Short Term Income Fund - Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹706,936 today. That's an XIRR (money-weighted annualised return) of 6.49%.

A ₹10,000 monthly SIP for 10 years in UTI - Short Term Income Fund - Growth Option = ₹1,200,000 invested. It would currently be worth ₹1,629,532 (multiplier 1.36×). XIRR: 5.96%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, UTI - Short Term Income Fund - Growth Option ranks #11 out of 38 funds in the Short Duration Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 4.15%; this fund delivered 6.68%.

The worst peak-to-trough decline UTI - Short Term Income Fund - Growth Option has experienced over the last 5-year window is 0.72% — 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 - Short Term Income Fund - Growth Option averaged 7.12% (best 9.86%, worst 4.21%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.01 — weak risk-adjusted performance.

In calendar year 2025, UTI - Short Term Income Fund - Growth Option returned 7.32% — lagging the Short Duration Fund category average of 34.44% by 27.12 pp. It ranked #11 of 25 in its category that year.

UTI - Short Term Income Fund - 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 - Short Term Income Fund - 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: 0.7%. 5-year CAGR: 6.68%.

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

UTI - Short Term Income Fund - Growth Option

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Short Duration Fund

Recent NAVs

Frequently asked questions

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