Should I invest in UTI - Dual Advantage Fixed Term Series IV-II (1278 Days)?

We don't give personal investment advice. UTI - Dual Advantage Fixed Term Series IV-II (1278 Days) - Direct Plan - Dividend 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.

UTI

UTI - Dual Advantage Fixed Term Series IV-II (1278 Days) - Direct Plan - Dividend Option

Latest NAV

₹10.0000

As of

28 Jul 2020

852 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	-18.54%	-6.79%	-11.75	906 / 1087	Q4
1W	-18.52%	-9.68%	-8.84	740 / 998	Q3
2W	-18.20%	-9.65%	-8.56	733 / 997	Q3
1M	-18.15%	-9.71%	-8.44	727 / 991	Q3
3M	-17.14%	-9.39%	-7.76	716 / 984	Q3
6M	-17.57%	-8.74%	-8.83	727 / 949	Q4
YTD	-17.09%	-8.86%	-8.23	710 / 949	Q3
1Y	-14.60%	-6.69%	-7.91	701 / 916	Q4
2Y	-4.32%	-2.42%	-1.89	652 / 867	Q4
3Y	-1.26%	-1.12%	-0.14	736 / 833	Q4
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+0.02%	+0.48%	-0.47	547 / 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
2020 YTD	-17.09%	+2.15%	-19.24	580 / 625
2019	+7.58%	+3.58%	+4.00	278 / 607
2018	+4.79%	+1.75%	+3.04	139 / 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

+5.51%

31 windows

min -14.6% · max 8.8%

97% positive

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

3-Year rolling

+4.85%

6 windows

min -1.3% · max 6.4%

83% positive

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

5-Year rolling

—

Insufficient history

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

10.74%

3-year · annualised

Sharpe ratio

-0.66

vs risk-free 6.5%

Sortino ratio

-0.68

Downside-only deviation

Max drawdown

-18.54%

Jul 2020 → Jul 2020

% positive months

83.3%

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
28 Jul 2020	₹10.0000
27 Jul 2020	₹12.2763
24 Jul 2020	₹12.2739
23 Jul 2020	₹12.2727
22 Jul 2020	₹12.2716
21 Jul 2020	₹12.2730
20 Jul 2020	₹12.2671
17 Jul 2020	₹12.2599
16 Jul 2020	₹12.2510
15 Jul 2020	₹12.2382

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 28 Jul 2020, the NAV of UTI - Dual Advantage Fixed Term Series IV-II (1278 Days) - Direct Plan - Dividend Option 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 Series IV-II (1278 Days) - Direct Plan - Dividend Option has NAV history starting from 08 Feb 2017, a track record of about 9 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 Series IV-II (1278 Days) - Direct Plan - Dividend 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 Series IV-II (1278 Days) - Direct Plan - Dividend Option has delivered a absolute return of -14.60% — -7.91 pp behind the Medium to Long Duration Fund category average of -6.69%. The fund ranks #701 of 916 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, UTI - Dual Advantage Fixed Term Series IV-II (1278 Days) - Direct Plan - Dividend Option has delivered a CAGR of -1.26% — -0.14 pp behind the Medium to Long Duration Fund category average of -1.12%. The fund ranks #736 of 833 in its category — the bottom (Q4) quartile.

UTI - Dual Advantage Fixed Term Series IV-II (1278 Days) - Direct Plan - Dividend Option doesn't have a complete 5-year window yet (we need at least 5 year of NAVs). Check the shorter-window returns above.

₹1 lakh invested in UTI - Dual Advantage Fixed Term Series IV-II (1278 Days) - Direct Plan - Dividend Option exactly 3 years ago would be worth approximately ₹96,270 today — a multiplier of 0.96×, based on the 3-year CAGR of -1.26%. The category average over the same window would have grown ₹1 lakh to ₹96,678.

A ₹10,000 monthly SIP in UTI - Dual Advantage Fixed Term Series IV-II (1278 Days) - Direct Plan - Dividend Option over the last 3 years — total invested ₹360,000 — would be worth ₹319,428 today. That's an XIRR (money-weighted annualised return) of -7.60%.

UTI - Dual Advantage Fixed Term Series IV-II (1278 Days) - Direct Plan - Dividend Option doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹319,428 — XIRR -7.60%.

On a 3-year basis, UTI - Dual Advantage Fixed Term Series IV-II (1278 Days) - Direct Plan - Dividend Option ranks #736 out of 833 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 -1.12%; this fund delivered -1.26%.

The worst peak-to-trough decline UTI - Dual Advantage Fixed Term Series IV-II (1278 Days) - Direct Plan - Dividend Option has experienced over the last 3-year window is 18.54% — its NAV fell from a high on 27 Jul 2020 to a low on 28 Jul 2020. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 3-year rolling windows, UTI - Dual Advantage Fixed Term Series IV-II (1278 Days) - Direct Plan - Dividend Option averaged 4.85% (best 6.45%, worst -1.26%). 83% of rolling windows ended positive. The 3-year Sharpe ratio is -0.66 — negative risk-adjusted performance.

In calendar year 2019, UTI - Dual Advantage Fixed Term Series IV-II (1278 Days) - Direct Plan - Dividend Option returned 7.58% — beating the Medium to Long Duration Fund category average of 3.58% by 4.00 pp. It ranked #278 of 607 in its category that year.

UTI - Dual Advantage Fixed Term Series IV-II (1278 Days) - Direct Plan - Dividend 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 Series IV-II (1278 Days) - Direct Plan - Dividend 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.

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