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

We don't give personal investment advice. UTI - Dual Advantage Fixed Term Series IV-IV (1997 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. Worst 5-year drawdown: 3.9%. 5-year CAGR: 9.34%.

UTI

UTI - Dual Advantage Fixed Term Series IV-IV (1997 Days) - Direct Plan - Growth Option

Latest NAV

₹16.0915

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	+0.01%	-2.27%	+2.28	330 / 1079	Q2
1W	+0.09%	-2.67%	+2.76	454 / 945	Q2
2W	+0.17%	-2.63%	+2.80	471 / 930	Q3
1M	+1.14%	-2.40%	+3.54	26 / 924	Q1
3M	+3.08%	-1.35%	+4.43	25 / 916	Q1
6M	+3.07%	+0.02%	+3.05	359 / 876	Q2
YTD	+3.60%	-0.17%	+3.76	184 / 880	Q1
1Y	+5.34%	+3.22%	+2.12	529 / 835	Q3
2Y	+11.76%	+4.01%	+7.75	14 / 807	Q1
3Y	+11.12%	+4.45%	+6.68	6 / 800	Q1
4Y	+10.65%	+7.85%	+2.80	5 / 166	Q1
5Y	+9.34%	+7.41%	+1.93	9 / 81	Q1
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+9.09%	+5.01%	+4.08	94 / 1079	Q1

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	+3.60%	-1.01%	+4.61	40 / 220
2021	+12.20%	-0.37%	+12.56	2 / 366
2020	+14.07%	+6.75%	+7.32	1 / 486
2019	+9.94%	+7.15%	+2.78	184 / 524
2018	+4.84%	+5.66%	-0.82	182 / 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

+9.78%

55 windows

min 3.0% · max 20.2%

100% positive

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

3-Year rolling

+10.14%

31 windows

min 6.2% · max 13.3%

100% positive

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

5-Year rolling

+9.19%

6 windows

min 8.8% · max 9.4%

100% 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

4.30%

3-year · annualised

Sharpe ratio

0.97

vs risk-free 6.5%

Sortino ratio

2.14

Downside-only deviation

Max drawdown

-3.85%

Feb 2020 → Mar 2020

% positive months

80.6%

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	₹12.6069	17 Jul 2026
Nippon India Fixed Maturity Plan XLI - Series 8 - Direct Plan - Growth Option	Nippon India	₹17.7273	17 Jul 2026
SBI Fixed Maturity Plan (FMP) - Series 1 (3668 Days) - Direct Plan - Growth	SBI	₹17.7027	17 Jul 2026
ICICI Prudential Bond Fund - Direct Plan - Growth	ICICI Prudential	₹44.8881	17 Jul 2026
BANDHAN Fixed Term Plan Series 179 DIRECT PLAN-GROWTH (3652 days)	Bandhan	₹18.0849	17 Jul 2026
Aditya Birla Sun Life Fixed Term Plan - Series TJ (1838 days) - Direct Plan - Growth Option	Aditya Birla Sun Life	₹13.6165	17 Jul 2026
Franklin India Medium to Long Duration Fund - Direct Growth	Franklin India	₹11.2815	17 Jul 2026
Kotak Bond Fund - Growth - Direct	Kotak	₹90.6522	17 Jul 2026
DSP FMP Series - 264 - 60M - 17D - Direct - Growth	DSP	₹13.3392	17 Jul 2026
HSBC Medium to Long Duration Fund - Direct Growth	HSBC	₹48.8567	17 Jul 2026

Recent NAVs

Date	NAV
18 Aug 2022	₹16.0915
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	₹16.0656
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 Series IV-IV (1997 Days) - Direct Plan - Growth Option is ₹16.0915. 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-IV (1997 Days) - Direct Plan - Growth Option has NAV history starting from 06 Mar 2017, a track record of about 9 years 4 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-IV (1997 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-IV (1997 Days) - Direct Plan - Growth Option has delivered a absolute return of 5.34% — +2.12 pp ahead of the Medium to Long Duration Fund category average of 3.22%. The fund ranks #529 of 835 in its category — the third (Q3) quartile.

Over the trailing 3-year window, UTI - Dual Advantage Fixed Term Series IV-IV (1997 Days) - Direct Plan - Growth Option has delivered a CAGR of 11.12% — +6.68 pp ahead of the Medium to Long Duration Fund category average of 4.45%. The fund ranks #6 of 800 in its category — the top (Q1) quartile.

Over the trailing 5-year window, UTI - Dual Advantage Fixed Term Series IV-IV (1997 Days) - Direct Plan - Growth Option has delivered a CAGR of 9.34% — +1.93 pp ahead of the Medium to Long Duration Fund category average of 7.41%. The fund ranks #9 of 81 in its category — the top (Q1) quartile.

₹1 lakh invested in UTI - Dual Advantage Fixed Term Series IV-IV (1997 Days) - Direct Plan - Growth Option exactly 5 years ago would be worth approximately ₹156,268 today — a multiplier of 1.56×, based on the 5-year CAGR of 9.34%. The category average over the same window would have grown ₹1 lakh to ₹142,953.

A ₹10,000 monthly SIP in UTI - Dual Advantage Fixed Term Series IV-IV (1997 Days) - Direct Plan - Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹779,148 today. That's an XIRR (money-weighted annualised return) of 10.38%.

UTI - Dual Advantage Fixed Term Series IV-IV (1997 Days) - Direct Plan - Growth Option doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹779,148 — XIRR 10.38%.

On a 5-year basis, UTI - Dual Advantage Fixed Term Series IV-IV (1997 Days) - Direct Plan - Growth Option ranks #9 out of 81 funds in the Medium to Long Duration Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 7.41%; this fund delivered 9.34%.

The worst peak-to-trough decline UTI - Dual Advantage Fixed Term Series IV-IV (1997 Days) - Direct Plan - Growth Option has experienced over the last 5-year window is 3.85% — its NAV fell from a high on 13 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 5-year rolling windows, UTI - Dual Advantage Fixed Term Series IV-IV (1997 Days) - Direct Plan - Growth Option averaged 9.19% (best 9.36%, worst 8.83%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.71 — reasonable risk-adjusted performance.

In calendar year 2021, UTI - Dual Advantage Fixed Term Series IV-IV (1997 Days) - Direct Plan - Growth Option returned 12.20% — beating the Medium to Long Duration Fund category average of -0.37% by 12.56 pp. It ranked #2 of 366 in its category that year.

UTI - Dual Advantage Fixed Term Series IV-IV (1997 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-IV (1997 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. Worst 5-year drawdown: 3.9%. 5-year CAGR: 9.34%.

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

UTI - Dual Advantage Fixed Term Series IV-IV (1997 Days) - Direct Plan - Growth Option

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Medium to Long Duration Fund

Recent NAVs

Frequently asked questions

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