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

We don't give personal investment advice. UTI Dual Advantage Fixed Term Fund Series IV-IV (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: 37.8%. 5-year CAGR: -0.58%.

UTI

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

Latest NAV

₹10.0000

As of

18 Aug 2022

1,346 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	-37.85%	-6.79%	-31.06	1058 / 1087	Q4
1W	-37.80%	-9.68%	-28.12	969 / 998	Q4
2W	-37.75%	-9.65%	-28.10	968 / 997	Q4
1M	-37.15%	-9.71%	-27.44	962 / 991	Q4
3M	-35.94%	-9.39%	-26.55	955 / 984	Q4
6M	-35.95%	-8.74%	-27.21	920 / 949	Q4
YTD	-35.62%	-8.86%	-26.76	920 / 949	Q4
1Y	-34.54%	-6.69%	-27.85	888 / 916	Q4
2Y	-11.90%	-2.42%	-9.47	833 / 867	Q4
3Y	-5.17%	-1.12%	-4.05	796 / 833	Q4
4Y	-1.76%	+2.93%	-4.69	126 / 140	Q4
5Y	-0.58%	+2.47%	-3.06	78 / 87	Q4
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	-0.02%	+0.48%	-0.50	683 / 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
2022 YTD	-35.62%	-7.69%	-27.93	262 / 273
2021	+12.20%	-4.54%	+16.74	2 / 458
2020	+14.07%	+2.15%	+11.92	1 / 625
2019	+9.94%	+3.58%	+6.35	130 / 607
2018	+4.84%	+1.75%	+3.09	137 / 314
2017	—	—	—	—

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

+9.06%

55 windows

min -34.5% · max 20.2%

98% positive

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

3-Year rolling

+9.62%

31 windows

min -5.2% · max 13.3%

97% positive

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

5-Year rolling

+7.54%

6 windows

min -0.6% · max 9.4%

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

22.05%

3-year · annualised

Sharpe ratio

-0.39

vs risk-free 6.5%

Sortino ratio

-0.40

Downside-only deviation

Max drawdown

-37.85%

Aug 2022 → Aug 2022

% positive months

77.8%

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
18 Aug 2022	₹10.0000
17 Aug 2022	₹16.0895
16 Aug 2022	₹16.0875
12 Aug 2022	₹16.0794
11 Aug 2022	₹16.0774
10 Aug 2022	₹16.0754
8 Aug 2022	₹16.0715
5 Aug 2022	₹16.0657
4 Aug 2022	₹16.0637
3 Aug 2022	₹16.0627

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 18 Aug 2022, the NAV of UTI Dual Advantage Fixed Term Fund Series IV-IV (1997 Days) - Direct Plan - IDCW is ₹10.0000. 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 IV-IV (1997 Days) - Direct Plan - IDCW has NAV history starting from 06 Mar 2017, a track record of about 9 years 2 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 IV-IV (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 IV-IV (1997 Days) - Direct Plan - IDCW has delivered a absolute return of -34.54% — -27.85 pp behind the Medium to Long Duration Fund category average of -6.69%. The fund ranks #888 of 916 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, UTI Dual Advantage Fixed Term Fund Series IV-IV (1997 Days) - Direct Plan - IDCW has delivered a CAGR of -5.17% — -4.05 pp behind the Medium to Long Duration Fund category average of -1.12%. The fund ranks #796 of 833 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, UTI Dual Advantage Fixed Term Fund Series IV-IV (1997 Days) - Direct Plan - IDCW has delivered a CAGR of -0.58% — -3.06 pp behind the Medium to Long Duration Fund category average of 2.47%. The fund ranks #78 of 87 in its category — the bottom (Q4) quartile.

₹1 lakh invested in UTI Dual Advantage Fixed Term Fund Series IV-IV (1997 Days) - Direct Plan - IDCW exactly 5 years ago would be worth approximately ₹97,112 today — a multiplier of 0.97×, based on the 5-year CAGR of -0.58%. 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 IV-IV (1997 Days) - Direct Plan - IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹484,198 today. That's an XIRR (money-weighted annualised return) of -8.37%.

UTI Dual Advantage Fixed Term Fund Series IV-IV (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 ₹484,198 — XIRR -8.37%.

On a 5-year basis, UTI Dual Advantage Fixed Term Fund Series IV-IV (1997 Days) - Direct Plan - IDCW ranks #78 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 -0.58%.

The worst peak-to-trough decline UTI Dual Advantage Fixed Term Fund Series IV-IV (1997 Days) - Direct Plan - IDCW has experienced over the last 5-year window is 37.85% — its NAV fell from a high on 17 Aug 2022 to a low on 18 Aug 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 Dual Advantage Fixed Term Fund Series IV-IV (1997 Days) - Direct Plan - IDCW averaged 7.54% (best 9.36%, worst -0.58%). 83% of rolling windows ended positive. The 5-year Sharpe ratio is -0.30 — negative risk-adjusted performance.

In calendar year 2021, UTI Dual Advantage Fixed Term Fund Series IV-IV (1997 Days) - Direct Plan - IDCW returned 12.20% — beating the Medium to Long Duration Fund category average of -4.54% by 16.74 pp. It ranked #2 of 458 in its category that year.

UTI Dual Advantage Fixed Term Fund Series IV-IV (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 IV-IV (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: 37.8%. 5-year CAGR: -0.58%.

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