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

We don't give personal investment advice. UTI Dual Advantage Fixed Term Fund Series II-IV (1997 Days) - Regular Plan - IDCW 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: 36.1%. 5-year CAGR: -1.02%.

UTI

UTI Dual Advantage Fixed Term Fund Series II-IV (1997 Days) - Regular Plan - IDCW

Latest NAV

₹10.0002

As of

10 Jun 2021

1,344 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	-35.97%	-5.48%	-30.49	472 / 472	Q4
1W	-35.99%	-6.69%	-29.30	472 / 472	Q4
2W	-36.02%	-6.61%	-29.41	472 / 472	Q4
1M	-35.26%	-6.65%	-28.62	472 / 472	Q4
3M	-34.59%	-6.59%	-28.00	471 / 471	Q4
6M	-31.59%	-6.25%	-25.33	442 / 443	Q4
YTD	-32.37%	-6.33%	-26.03	452 / 452	Q4
1Y	-24.56%	-4.07%	-20.49	435 / 439	Q4
2Y	-13.24%	+0.33%	-13.56	439 / 439	Q4
3Y	-7.23%	+1.73%	-8.96	436 / 439	Q4
4Y	-4.40%	+4.16%	-8.56	63 / 64	Q4
5Y	-1.02%	+3.80%	-4.82	40 / 43	Q4
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	-0.02%	+1.99%	-2.01	294 / 472	Q3

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	-32.37%	-3.01%	-29.35	236 / 236
2020	+8.16%	+1.27%	+6.89	101 / 344
2019	+7.49%	+2.87%	+4.62	114 / 301
2018	+0.70%	+2.79%	-2.09	128 / 187
2017	+13.00%	+5.18%	+7.82	8 / 71
2016	+10.87%	+8.01%	+2.86	7 / 35
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

+6.78%

55 windows

min -24.6% · max 20.1%

87% positive

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

3-Year rolling

+5.55%

31 windows

min -7.2% · max 8.8%

97% positive

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

5-Year rolling

+7.03%

6 windows

min -1.0% · max 9.3%

83% 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

21.08%

3-year · annualised

Sharpe ratio

-0.53

vs risk-free 6.5%

Sortino ratio

-0.54

Downside-only deviation

Max drawdown

-36.06%

May 2021 → Jun 2021

% positive months

69.4%

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
Nippon India Fixed Maturity Plan - XLIII - Series 1 - Regular Plan - Income Distribution cum Capital Withdrawal Plan	Nippon India	₹13.2025	3 Jun 2026
SBI Fixed Maturity Plan (FMP) - Series 1 (3668 Days) - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹17.1653	3 Jun 2026
BANDHAN Fixed Term Plan Series 179 REGULAR PLAN PERIODIC-IDCW (3652 days)	Bandhan	₹15.0027	3 Jun 2026
Aditya Birla Sun Life Fixed Term Plan - Series TI (1837 days) - Regular Plan - Payout of IDCW option	Aditya Birla Sun Life	₹13.4359	3 Jun 2026
Kotak Bond-Regular-Annual Dividend	Kotak Mahindra	₹47.6827	3 Jun 2026
Kotak FMP Series 304-Regular Plan-Payout of IDCW	Kotak	₹12.9404	3 Jun 2026
DSP FMP Series - 264 - 60M - 17D - Regular - IDCW	DSP	₹13.1466	3 Jun 2026
HSBC Income Fund - Investment - Regular - Dividend	HSBC	₹10.5254	3 Jun 2026
UTI Fixed Term Income Fund Series XXXVI - I (1574 Days) - Regular Plan - Payout of IDCW Option	UTI	₹12.1075	3 Jun 2026
Axis Fixed Maturity Plan - Series 129 (108 Days) - Regular Plan - IDCW	Axis	₹10.1904	3 Jun 2026

Recent NAVs

Date	NAV
10 Jun 2021	₹10.0002
9 Jun 2021	₹15.6188
8 Jun 2021	₹15.6178
7 Jun 2021	₹15.6169
4 Jun 2021	₹15.6127
3 Jun 2021	₹15.6218
2 Jun 2021	₹15.6060
1 Jun 2021	₹15.6179
31 May 2021	₹15.6392
28 May 2021	₹15.6054

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 2021, the NAV of UTI Dual Advantage Fixed Term Fund Series II-IV (1997 Days) - Regular Plan - IDCW is ₹10.0002. It's a Medium to Long Duration Fund from UTI, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

UTI Dual Advantage Fixed Term Fund Series II-IV (1997 Days) - Regular Plan - IDCW has NAV history starting from 28 Dec 2015, a track record of about 10 years 5 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-IV (1997 Days) - Regular Plan - IDCW 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-IV (1997 Days) - Regular Plan - IDCW has delivered a absolute return of -24.56% — -20.49 pp behind the Medium to Long Duration Fund category average of -4.07%. The fund ranks #435 of 439 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, UTI Dual Advantage Fixed Term Fund Series II-IV (1997 Days) - Regular Plan - IDCW has delivered a CAGR of -7.23% — -8.96 pp behind the Medium to Long Duration Fund category average of 1.73%. The fund ranks #436 of 439 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, UTI Dual Advantage Fixed Term Fund Series II-IV (1997 Days) - Regular Plan - IDCW has delivered a CAGR of -1.02% — -4.82 pp behind the Medium to Long Duration Fund category average of 3.80%. The fund ranks #40 of 43 in its category — the bottom (Q4) quartile.

₹1 lakh invested in UTI Dual Advantage Fixed Term Fund Series II-IV (1997 Days) - Regular Plan - IDCW exactly 5 years ago would be worth approximately ₹95,015 today — a multiplier of 0.95×, based on the 5-year CAGR of -1.02%. The category average over the same window would have grown ₹1 lakh to ₹120,496.

A ₹10,000 monthly SIP in UTI Dual Advantage Fixed Term Fund Series II-IV (1997 Days) - Regular Plan - IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹472,061 today. That's an XIRR (money-weighted annualised return) of -9.36%.

UTI Dual Advantage Fixed Term Fund Series II-IV (1997 Days) - Regular Plan - IDCW doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹472,061 — XIRR -9.36%.

On a 5-year basis, UTI Dual Advantage Fixed Term Fund Series II-IV (1997 Days) - Regular Plan - IDCW ranks #40 out of 43 funds in the Medium to Long Duration Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 3.80%; this fund delivered -1.02%.

The worst peak-to-trough decline UTI Dual Advantage Fixed Term Fund Series II-IV (1997 Days) - Regular Plan - IDCW has experienced over the last 5-year window is 36.06% — its NAV fell from a high on 31 May 2021 to a low on 10 Jun 2021. 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-IV (1997 Days) - Regular Plan - IDCW averaged 7.03% (best 9.28%, worst -1.02%). 83% of rolling windows ended positive. The 5-year Sharpe ratio is -0.35 — negative risk-adjusted performance.

In calendar year 2020, UTI Dual Advantage Fixed Term Fund Series II-IV (1997 Days) - Regular Plan - IDCW returned 8.16% — beating the Medium to Long Duration Fund category average of 1.27% by 6.89 pp. It ranked #101 of 344 in its category that year.

UTI Dual Advantage Fixed Term Fund Series II-IV (1997 Days) - Regular Plan - IDCW 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-IV (1997 Days) - Regular Plan - IDCW 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: 36.1%. 5-year CAGR: -1.02%.

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