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

We don't give personal investment advice. UTI Dual Advantage Fixed Term Fund Series II-V (1997 Days) - Direct 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: 33.3%. 5-year CAGR: -1.79%.

UTI

UTI Dual Advantage Fixed Term Fund Series II-V (1997 Days) - Direct Plan - IDCW

Latest NAV

₹10.0001

As of

23 Jul 2021

1,345 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	-33.27%	-6.79%	-26.48	1055 / 1087	Q4
1W	-33.29%	-9.68%	-23.62	963 / 998	Q4
2W	-32.70%	-9.65%	-23.06	962 / 997	Q4
1M	-32.26%	-9.71%	-22.55	956 / 991	Q4
3M	-30.04%	-9.39%	-20.65	947 / 984	Q4
6M	-29.28%	-8.74%	-20.53	912 / 949	Q4
YTD	-28.85%	-8.86%	-19.99	911 / 949	Q4
1Y	-22.66%	-6.69%	-15.96	870 / 916	Q4
2Y	-10.14%	-2.42%	-7.71	826 / 867	Q4
3Y	-8.48%	-1.12%	-7.37	801 / 833	Q4
4Y	-5.18%	+2.93%	-8.10	138 / 140	Q4
5Y	-1.79%	+2.47%	-4.26	83 / 87	Q4
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	-0.02%	+0.48%	-0.51	689 / 1085	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	-28.85%	-4.54%	-24.30	439 / 458
2020	+8.71%	+2.15%	+6.56	184 / 625
2019	-1.76%	+3.58%	-5.34	524 / 607
2018	+1.82%	+1.75%	+0.07	192 / 314
2017	+15.22%	+2.07%	+13.15	9 / 207
2016	—	—	—	—

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

+5.55%

55 windows

min -22.7% · max 23.1%

75% positive

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

3-Year rolling

+3.64%

31 windows

min -8.5% · max 9.7%

97% positive

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

5-Year rolling

+5.56%

6 windows

min -1.8% · max 7.5%

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

21.22%

3-year · annualised

Sharpe ratio

-0.58

vs risk-free 6.5%

Sortino ratio

-0.61

Downside-only deviation

Max drawdown

-33.32%

Jul 2021 → Jul 2021

% positive months

61.1%

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 Charity Fund for Cancer Cure - IDCW Option - Direct Plan - 50% IDCW Donation Option	HDFC	₹10.0419	3 Jun 2026
NIPPON INDIA FIXED MATURITY PLAN - XLI - SERIES 8 - DIRECT Plan - IDCW Option	Nippon India	₹17.3687	3 Jun 2026
SBI Fixed Maturity Plan (FMP) - Series 1 (3668 Days) - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹17.4021	3 Jun 2026
ICICI Prudential Bond Fund - Direct Plan - Half Yearly IDCW	ICICI Prudential	₹10.7370	3 Jun 2026
BANDHAN Fixed Term Plan Series 179 DIRECT PLAN HALF YEARLY-IDCW (3652 days)	Bandhan	₹11.3171	3 Jun 2026
Aditya Birla Sun Life Fixed Term Plan - Series TI (1837 days) - Direct Plan - Payout of IDCW option	Aditya Birla Sun Life	₹13.5041	3 Jun 2026
Franklin India Medium to Long Duration Fund - Direct - IDCW	Franklin India	₹10.4993	3 Jun 2026
Kotak Bond Fund - Direct Plan - Standard IDCW option	Kotak	₹29.3456	3 Jun 2026
DSP FMP Series - 264 - 60M - 17D - Direct - IDCW	DSP	₹13.2410	3 Jun 2026
HSBC Medium to Long Duration Fund - Direct Quarterly IDCW	HSBC	₹10.3575	3 Jun 2026

Recent NAVs

Date	NAV
23 Jul 2021	₹10.0001
22 Jul 2021	₹14.9860
20 Jul 2021	₹14.9838
19 Jul 2021	₹14.9828
16 Jul 2021	₹14.9911
15 Jul 2021	₹14.9977
14 Jul 2021	₹14.9708
13 Jul 2021	₹14.9483
12 Jul 2021	₹14.8915
9 Jul 2021	₹14.8598

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 23 Jul 2021, the NAV of UTI Dual Advantage Fixed Term Fund Series II-V (1997 Days) - Direct Plan - IDCW is ₹10.0001. It's a Medium to Long Duration Fund from UTI, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

UTI Dual Advantage Fixed Term Fund Series II-V (1997 Days) - Direct Plan - IDCW has NAV history starting from 08 Feb 2016, a track record of about 10 years 3 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-V (1997 Days) - Direct 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-V (1997 Days) - Direct Plan - IDCW has delivered a absolute return of -22.66% — -15.96 pp behind the Medium to Long Duration Fund category average of -6.69%. The fund ranks #870 of 916 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, UTI Dual Advantage Fixed Term Fund Series II-V (1997 Days) - Direct Plan - IDCW has delivered a CAGR of -8.48% — -7.37 pp behind the Medium to Long Duration Fund category average of -1.12%. The fund ranks #801 of 833 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, UTI Dual Advantage Fixed Term Fund Series II-V (1997 Days) - Direct Plan - IDCW has delivered a CAGR of -1.79% — -4.26 pp behind the Medium to Long Duration Fund category average of 2.47%. The fund ranks #83 of 87 in its category — the bottom (Q4) quartile.

₹1 lakh invested in UTI Dual Advantage Fixed Term Fund Series II-V (1997 Days) - Direct Plan - IDCW exactly 5 years ago would be worth approximately ₹91,387 today — a multiplier of 0.91×, based on the 5-year CAGR of -1.79%. The category average over the same window would have grown ₹1 lakh to ₹112,999.

A ₹10,000 monthly SIP in UTI Dual Advantage Fixed Term Fund Series II-V (1997 Days) - Direct Plan - IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹473,687 today. That's an XIRR (money-weighted annualised return) of -9.23%.

UTI Dual Advantage Fixed Term Fund Series II-V (1997 Days) - Direct 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 ₹473,687 — XIRR -9.23%.

On a 5-year basis, UTI Dual Advantage Fixed Term Fund Series II-V (1997 Days) - Direct Plan - IDCW ranks #83 out of 87 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 2.47%; this fund delivered -1.79%.

The worst peak-to-trough decline UTI Dual Advantage Fixed Term Fund Series II-V (1997 Days) - Direct Plan - IDCW has experienced over the last 5-year window is 33.32% — its NAV fell from a high on 15 Jul 2021 to a low on 23 Jul 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-V (1997 Days) - Direct Plan - IDCW averaged 5.56% (best 7.50%, worst -1.79%). 83% of rolling windows ended positive. The 5-year Sharpe ratio is -0.39 — negative risk-adjusted performance.

In calendar year 2020, UTI Dual Advantage Fixed Term Fund Series II-V (1997 Days) - Direct Plan - IDCW returned 8.71% — beating the Medium to Long Duration Fund category average of 2.15% by 6.56 pp. It ranked #184 of 625 in its category that year.

UTI Dual Advantage Fixed Term Fund Series II-V (1997 Days) - Direct 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-V (1997 Days) - Direct 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: 33.3%. 5-year CAGR: -1.79%.

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