Should I invest in UTI Dual Advantage Fixed Term Fund Series II-II (1997 Days)?

We don't give personal investment advice. UTI Dual Advantage Fixed Term Fund Series II-II (1997 Days) - Direct Plan- 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: 16.7%. 5-year CAGR: 6.72%.

UTI

UTI Dual Advantage Fixed Term Fund Series II-II (1997 Days) - Direct Plan- Growth Option

Latest NAV

₹14.0746

As of

5 Mar 2021

1,343 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	+0.02%	-2.27%	+2.29	91 / 1079	Q1
1W	+0.06%	-2.66%	+2.72	786 / 945	Q4
2W	+0.15%	-2.62%	+2.77	529 / 930	Q3
1M	+0.90%	-2.43%	+3.33	26 / 924	Q1
3M	+4.41%	-1.42%	+5.84	11 / 916	Q1
6M	+9.75%	-0.05%	+9.81	8 / 876	Q1
YTD	+2.93%	-0.27%	+3.20	249 / 880	Q2
1Y	+13.48%	+3.14%	+10.34	15 / 835	Q1
2Y	+3.08%	+4.08%	-0.99	766 / 807	Q4
3Y	+3.03%	+4.43%	-1.40	771 / 800	Q4
4Y	+4.82%	+7.85%	-3.03	153 / 164	Q4
5Y	+6.72%	+7.36%	-0.64	33 / 77	Q2
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+6.45%	+5.01%	+1.44	870 / 1079	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
2021 YTD	+2.93%	-0.37%	+3.29	216 / 366
2020	+8.71%	+6.75%	+1.96	212 / 486
2019	-4.93%	+7.15%	-12.08	519 / 524
2018	+1.64%	+5.66%	-4.01	258 / 269
2017	+14.61%	+6.29%	+8.32	13 / 279
2016	+10.96%	+8.41%	+2.55	25 / 241
2015	—	—	—	—

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

+5.15%

55 windows

min -12.3% · max 17.4%

78% positive

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

3-Year rolling

+3.95%

31 windows

min -0.4% · max 9.9%

94% positive

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

5-Year rolling

+5.97%

6 windows

min 5.1% · max 6.7%

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

7.61%

3-year · annualised

Sharpe ratio

-0.43

vs risk-free 6.5%

Sortino ratio

-0.54

Downside-only deviation

Max drawdown

-16.69%

Jun 2019 → Mar 2020

% positive months

75.0%

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 Medium to Long Duration Fund

Scheme	Fund house	NAV	As of
HDFC FMP 1269D March 2023 - Growth Option - Direct Plan	HDFC	₹12.5263	3 Jun 2026
Nippon India Fixed Maturity Plan - XLIII - Series 1- Direct Plan - Growth Option	Nippon India	₹13.3582	3 Jun 2026
SBI Fixed Maturity Plan (FMP) - Series 1 (3668 Days) - Direct Plan - Growth	SBI	₹17.3852	3 Jun 2026
ICICI Prudential Bond Fund - Direct Plan - Growth	ICICI Prudential	₹43.7788	3 Jun 2026
BANDHAN Fixed Term Plan Series 179 DIRECT PLAN-GROWTH (3652 days)	Bandhan	₹17.7320	3 Jun 2026
Aditya Birla Sun Life Fixed Term Plan - Series TI (1837 days) - Direct Plan - Growth Option	Aditya Birla Sun Life	₹13.5023	3 Jun 2026
Franklin India Medium to Long Duration Fund - Direct Growth	Franklin India	₹11.0072	3 Jun 2026
Kotak Bond Fund - Growth - Direct	Kotak	₹88.1692	3 Jun 2026
DSP FMP Series - 264 - 60M - 17D - Direct - Growth	DSP	₹13.2410	3 Jun 2026
HSBC Medium to Long Duration Fund - Direct Growth	HSBC	₹47.7483	3 Jun 2026

Recent NAVs

Date	NAV
5 Mar 2021	₹14.0746
4 Mar 2021	₹14.0712
3 Mar 2021	₹14.0704
2 Mar 2021	₹14.0696
1 Mar 2021	₹14.0688
26 Feb 2021	₹14.0663
25 Feb 2021	₹14.0654
24 Feb 2021	₹14.0645
23 Feb 2021	₹14.0541
22 Feb 2021	₹14.0549

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 05 Mar 2021, the NAV of UTI Dual Advantage Fixed Term Fund Series II-II (1997 Days) - Direct Plan- Growth Option is ₹14.0746. It's a Medium to Long Duration Fund from UTI, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

UTI Dual Advantage Fixed Term Fund Series II-II (1997 Days) - Direct Plan- Growth Option has NAV history starting from 22 Sep 2015, a track record of about 10 years 8 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.

UTI Dual Advantage Fixed Term Fund Series II-II (1997 Days) - Direct Plan- Growth Option is managed by UTI. It's classified by AMFI under the 'Medium to Long Duration Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, UTI Dual Advantage Fixed Term Fund Series II-II (1997 Days) - Direct Plan- Growth Option has delivered a absolute return of 13.48% — +10.34 pp ahead of the Medium to Long Duration Fund category average of 3.14%. The fund ranks #15 of 835 in its category — the top (Q1) quartile.

Over the trailing 3-year window, UTI Dual Advantage Fixed Term Fund Series II-II (1997 Days) - Direct Plan- Growth Option has delivered a CAGR of 3.03% — -1.4 pp behind the Medium to Long Duration Fund category average of 4.43%. The fund ranks #771 of 800 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, UTI Dual Advantage Fixed Term Fund Series II-II (1997 Days) - Direct Plan- Growth Option has delivered a CAGR of 6.72% — -0.64 pp behind the Medium to Long Duration Fund category average of 7.36%. The fund ranks #33 of 77 in its category — the second (Q2) quartile.

₹1 lakh invested in UTI Dual Advantage Fixed Term Fund Series II-II (1997 Days) - Direct Plan- Growth Option exactly 5 years ago would be worth approximately ₹138,432 today — a multiplier of 1.38×, based on the 5-year CAGR of 6.72%. The category average over the same window would have grown ₹1 lakh to ₹142,653.

A ₹10,000 monthly SIP in UTI Dual Advantage Fixed Term Fund Series II-II (1997 Days) - Direct Plan- Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹685,733 today. That's an XIRR (money-weighted annualised return) of 5.28%.

UTI Dual Advantage Fixed Term Fund Series II-II (1997 Days) - Direct Plan- Growth Option doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹685,733 — XIRR 5.28%.

On a 5-year basis, UTI Dual Advantage Fixed Term Fund Series II-II (1997 Days) - Direct Plan- Growth Option ranks #33 out of 77 funds in the Medium to Long Duration Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 7.36%; this fund delivered 6.72%.

The worst peak-to-trough decline UTI Dual Advantage Fixed Term Fund Series II-II (1997 Days) - Direct Plan- Growth Option has experienced over the last 5-year window is 16.69% — its NAV fell from a high on 03 Jun 2019 to a low on 23 Mar 2020. 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 Dual Advantage Fixed Term Fund Series II-II (1997 Days) - Direct Plan- Growth Option averaged 5.97% (best 6.72%, worst 5.12%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.04 — weak risk-adjusted performance.

In calendar year 2020, UTI Dual Advantage Fixed Term Fund Series II-II (1997 Days) - Direct Plan- Growth Option returned 8.71% — beating the Medium to Long Duration Fund category average of 6.75% by 1.96 pp. It ranked #212 of 486 in its category that year.

UTI Dual Advantage Fixed Term Fund Series II-II (1997 Days) - Direct Plan- 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 Dual Advantage Fixed Term Fund Series II-II (1997 Days) - Direct Plan- 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: 16.7%. 5-year CAGR: 6.72%.

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