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 - Growth 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 - Growth Option

Latest NAV

₹12.2771

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	+0.01%	-2.27%	+2.28	565 / 1079	Q3
1W	+0.03%	-2.66%	+2.70	866 / 945	Q4
2W	+0.42%	-2.62%	+3.04	29 / 930	Q1
1M	+0.49%	-2.43%	+2.92	293 / 924	Q2
3M	+1.72%	-1.42%	+3.14	202 / 916	Q1
6M	+1.20%	-0.05%	+1.25	780 / 876	Q4
YTD	+1.79%	-0.27%	+2.06	506 / 880	Q3
1Y	+4.84%	+3.14%	+1.70	570 / 835	Q3
2Y	+6.02%	+4.08%	+1.94	658 / 807	Q4
3Y	+5.73%	+4.43%	+1.30	707 / 800	Q4
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+6.11%	+5.01%	+1.10	919 / 1079	Q4

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	+1.79%	+6.75%	-4.96	447 / 486
2019	+7.58%	+7.15%	+0.43	339 / 524
2018	+4.79%	+5.66%	-0.87	185 / 269
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

+6.14%

31 windows

min 3.8% · max 8.8%

100% positive

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

3-Year rolling

+6.01%

6 windows

min 5.7% · max 6.4%

100% 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

1.78%

3-year · annualised

Sharpe ratio

-0.51

vs risk-free 6.5%

Sortino ratio

-1.07

Downside-only deviation

Max drawdown

-2.52%

Feb 2020 → Mar 2020

% positive months

86.1%

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 FMP 1269D March 2023 - Growth Option - Direct Plan	HDFC	₹12.5263	3 Jun 2026
Nippon India Fixed Maturity Plan - XLIII - Series 1- Direct Plan - Growth Option	Nippon India	₹13.3582	3 Jun 2026
SBI Fixed Maturity Plan (FMP) - Series 1 (3668 Days) - Direct Plan - Growth	SBI	₹17.3852	3 Jun 2026
ICICI Prudential Bond Fund - Direct Plan - Growth	ICICI Prudential	₹43.7788	3 Jun 2026
BANDHAN Fixed Term Plan Series 179 DIRECT PLAN-GROWTH (3652 days)	Bandhan	₹17.7320	3 Jun 2026
Aditya Birla Sun Life Fixed Term Plan - Series TI (1837 days) - Direct Plan - Growth Option	Aditya Birla Sun Life	₹13.5023	3 Jun 2026
Franklin India Medium to Long Duration Fund - Direct Growth	Franklin India	₹11.0072	3 Jun 2026
Kotak Bond Fund - Growth - Direct	Kotak	₹88.1692	3 Jun 2026
DSP FMP Series - 264 - 60M - 17D - Direct - Growth	DSP	₹13.2410	3 Jun 2026
HSBC Medium to Long Duration Fund - Direct Growth	HSBC	₹47.7483	3 Jun 2026

Recent NAVs

Date	NAV
28 Jul 2020	₹12.2771
27 Jul 2020	₹12.2763
24 Jul 2020	₹12.2739
23 Jul 2020	₹12.2726
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 - Growth Option is ₹12.2771. It's a Medium to Long Duration Fund from UTI, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

UTI - Dual Advantage Fixed Term Series IV-II (1278 Days) - Direct Plan - Growth 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 - Growth 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 - Growth Option has delivered a absolute return of 4.84% — +1.7 pp ahead of the Medium to Long Duration Fund category average of 3.14%. The fund ranks #570 of 835 in its category — the third (Q3) quartile.

Over the trailing 3-year window, UTI - Dual Advantage Fixed Term Series IV-II (1278 Days) - Direct Plan - Growth Option has delivered a CAGR of 5.73% — +1.3 pp ahead of the Medium to Long Duration Fund category average of 4.43%. The fund ranks #707 of 800 in its category — the bottom (Q4) quartile.

UTI - Dual Advantage Fixed Term Series IV-II (1278 Days) - Direct Plan - Growth 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 - Growth Option exactly 3 years ago would be worth approximately ₹118,192 today — a multiplier of 1.18×, based on the 3-year CAGR of 5.73%. The category average over the same window would have grown ₹1 lakh to ₹113,886.

A ₹10,000 monthly SIP in UTI - Dual Advantage Fixed Term Series IV-II (1278 Days) - Direct Plan - Growth Option over the last 3 years — total invested ₹360,000 — would be worth ₹392,165 today. That's an XIRR (money-weighted annualised return) of 5.63%.

UTI - Dual Advantage Fixed Term Series IV-II (1278 Days) - Direct Plan - Growth Option doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹392,165 — XIRR 5.63%.

On a 3-year basis, UTI - Dual Advantage Fixed Term Series IV-II (1278 Days) - Direct Plan - Growth Option ranks #707 out of 800 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 4.43%; this fund delivered 5.73%.

The worst peak-to-trough decline UTI - Dual Advantage Fixed Term Series IV-II (1278 Days) - Direct Plan - Growth Option has experienced over the last 3-year window is 2.52% — its NAV fell from a high on 20 Feb 2020 to a low on 23 Mar 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 - Growth Option averaged 6.01% (best 6.45%, worst 5.73%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is -0.51 — negative risk-adjusted performance.

In calendar year 2019, UTI - Dual Advantage Fixed Term Series IV-II (1278 Days) - Direct Plan - Growth Option returned 7.58% — beating the Medium to Long Duration Fund category average of 7.15% by 0.43 pp. It ranked #339 of 524 in its category that year.

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