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) - 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: 28.8%. 5-year CAGR: -1.62%.

UTI

UTI Dual Advantage Fixed Term Fund Series II-V (1997 Days) - Regular 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	-28.71%	-5.48%	-23.23	467 / 472	Q4
1W	-28.74%	-6.69%	-22.05	464 / 472	Q4
2W	-28.12%	-6.61%	-21.51	464 / 472	Q4
1M	-27.65%	-6.65%	-21.01	464 / 472	Q4
3M	-25.35%	-6.59%	-18.76	463 / 471	Q4
6M	-24.62%	-6.25%	-18.37	435 / 443	Q4
YTD	-24.19%	-6.33%	-17.85	443 / 452	Q4
1Y	-17.77%	-4.07%	-13.70	414 / 439	Q4
2Y	-7.57%	+0.33%	-7.89	429 / 439	Q4
3Y	-7.16%	+1.73%	-8.89	434 / 439	Q4
4Y	-4.56%	+4.16%	-8.73	64 / 64	Q4
5Y	-1.62%	+3.80%	-5.42	43 / 43	Q4
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	-0.02%	+1.99%	-2.00	265 / 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	-24.19%	-3.01%	-21.17	229 / 236
2020	+8.18%	+1.27%	+6.92	99 / 344
2019	-2.52%	+2.87%	-5.40	255 / 301
2018	+0.11%	+2.79%	-2.68	165 / 187
2017	+13.19%	+5.18%	+8.01	6 / 71
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

+4.35%

55 windows

min -17.8% · max 22.5%

69% positive

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

3-Year rolling

+2.38%

31 windows

min -7.2% · max 7.8%

87% positive

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

5-Year rolling

+4.50%

6 windows

min -1.6% · max 6.2%

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

18.93%

3-year · annualised

Sharpe ratio

-0.61

vs risk-free 6.5%

Sortino ratio

-0.65

Downside-only deviation

Max drawdown

-28.77%

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
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
23 Jul 2021	₹10.0001
22 Jul 2021	₹14.0274
20 Jul 2021	₹14.0258
19 Jul 2021	₹14.0250
16 Jul 2021	₹14.0333
15 Jul 2021	₹14.0397
14 Jul 2021	₹14.0147
13 Jul 2021	₹13.9938
12 Jul 2021	₹13.9408
9 Jul 2021	₹13.9117

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) - Regular Plan - IDCW is ₹10.0001. 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-V (1997 Days) - Regular 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) - 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-V (1997 Days) - Regular Plan - IDCW has delivered a absolute return of -17.77% — -13.7 pp behind the Medium to Long Duration Fund category average of -4.07%. The fund ranks #414 of 439 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, UTI Dual Advantage Fixed Term Fund Series II-V (1997 Days) - Regular Plan - IDCW has delivered a CAGR of -7.16% — -8.89 pp behind the Medium to Long Duration Fund category average of 1.73%. The fund ranks #434 of 439 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, UTI Dual Advantage Fixed Term Fund Series II-V (1997 Days) - Regular Plan - IDCW has delivered a CAGR of -1.62% — -5.42 pp behind the Medium to Long Duration Fund category average of 3.80%. The fund ranks #43 of 43 in its category — the bottom (Q4) quartile.

₹1 lakh invested in UTI Dual Advantage Fixed Term Fund Series II-V (1997 Days) - Regular Plan - IDCW exactly 5 years ago would be worth approximately ₹92,139 today — a multiplier of 0.92×, based on the 5-year CAGR of -1.62%. 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-V (1997 Days) - Regular Plan - IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹494,859 today. That's an XIRR (money-weighted annualised return) of -7.53%.

UTI Dual Advantage Fixed Term Fund Series II-V (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 ₹494,859 — XIRR -7.53%.

On a 5-year basis, UTI Dual Advantage Fixed Term Fund Series II-V (1997 Days) - Regular Plan - IDCW ranks #43 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 -1.62%.

The worst peak-to-trough decline UTI Dual Advantage Fixed Term Fund Series II-V (1997 Days) - Regular Plan - IDCW has experienced over the last 5-year window is 28.77% — 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) - Regular Plan - IDCW averaged 4.50% (best 6.15%, worst -1.62%). 83% of rolling windows ended positive. The 5-year Sharpe ratio is -0.45 — negative risk-adjusted performance.

In calendar year 2020, UTI Dual Advantage Fixed Term Fund Series II-V (1997 Days) - Regular Plan - IDCW returned 8.18% — beating the Medium to Long Duration Fund category average of 1.27% by 6.92 pp. It ranked #99 of 344 in its category that year.

UTI Dual Advantage Fixed Term Fund Series II-V (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-V (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: 28.8%. 5-year CAGR: -1.62%.

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