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) - Regular 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: 8.37%.

UTI

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

Latest NAV

₹15.2636

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%	-0.06%	+0.07	107 / 268	Q2
1W	+0.08%	-0.01%	+0.09	129 / 267	Q2
2W	+0.16%	+0.08%	+0.07	144 / 267	Q3
1M	+1.10%	+0.31%	+0.79	4 / 267	Q1
3M	+2.96%	+1.23%	+1.73	5 / 267	Q1
6M	+2.83%	+2.66%	+0.17	75 / 240	Q2
YTD	+3.29%	+2.32%	+0.97	43 / 249	Q1
1Y	+4.84%	+5.93%	-1.09	162 / 236	Q3
2Y	+11.24%	+6.76%	+4.47	3 / 236	Q1
3Y	+10.60%	+6.97%	+3.63	1 / 236	Q1
4Y	+9.90%	+6.86%	+3.04	1 / 43	Q1
5Y	+8.37%	+6.61%	+1.76	1 / 24	Q1
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+8.05%	+6.37%	+1.68	30 / 268	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	+3.29%	+2.01%	+1.28	5 / 71
2021	+11.67%	+3.46%	+8.21	1 / 120
2020	+13.53%	+7.10%	+6.43	1 / 158
2019	+9.04%	+7.06%	+1.98	61 / 146
2018	+3.02%	+5.18%	-2.16	67 / 82
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

+8.79%

55 windows

min 1.2% · max 19.7%

100% positive

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

3-Year rolling

+9.20%

31 windows

min 4.8% · max 12.6%

100% positive

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

5-Year rolling

+8.16%

6 windows

min 7.8% · max 8.4%

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

0.86

vs risk-free 6.5%

Sortino ratio

1.85

Downside-only deviation

Max drawdown

-3.90%

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
Nippon India Fixed Maturity Plan-XLIII-Series 5- Regular Plan-Growth Option	Nippon India	₹13.3689	17 Jul 2026
SBI Fixed Maturity Plan (FMP) - Series 1 (3668 Days) - Regular Plan - Growth	SBI	₹17.4778	17 Jul 2026
BANDHAN Fixed Term Plan Series 179 REGULAR PLAN-GROWTH (3652 days)	Bandhan	₹17.7557	17 Jul 2026
Aditya Birla Sun Life Fixed Term Plan - Series TJ (1838 days) - Regular Plan - Growth Option	Aditya Birla Sun Life	₹13.5537	17 Jul 2026
Kotak FMP Series 304-Regular Plan-Growth Option	Kotak	₹13.2821	17 Jul 2026
DSP FMP Series - 264 - 60M - 17D - Regular Plan - Growth	DSP	₹13.2422	17 Jul 2026
UTI Fixed Term Income Fund Series XXXVI - I (1574 Days) - Regular Plan - Growth Option	UTI	₹12.7817	17 Jul 2026
Axis Fixed Term Plan - Series 113 (1228 Days) - Regular Plan - Growth	Axis	₹12.5758	17 Jul 2026
TRUSTMF FIXED MATURITY PLAN -SERIES II (1196 DAYS)-REGULAR PLAN -GROWTH		₹1,294.2584	9 Jul 2026

Recent NAVs

Date	NAV
18 Aug 2022	₹15.2636
17 Aug 2022	₹15.2619
16 Aug 2022	₹15.2602
12 Aug 2022	₹15.2533
11 Aug 2022	₹15.2516
10 Aug 2022	₹15.2499
8 Aug 2022	₹15.2465
5 Aug 2022	₹15.2416
4 Aug 2022	₹15.2399
3 Aug 2022	₹15.2392

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) - Regular Plan - Growth Option is ₹15.2636. It's a Medium to Long Duration Fund from UTI, run as a Regular plan Growth option. NAVs update once per business day from the AMFI feed.

UTI - Dual Advantage Fixed Term Series IV-IV (1997 Days) - Regular 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) - Regular 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) - Regular Plan - Growth Option has delivered a absolute return of 4.84% — -1.09 pp behind the Medium to Long Duration Fund category average of 5.93%. The fund ranks #162 of 236 in its category — the third (Q3) quartile.

Over the trailing 3-year window, UTI - Dual Advantage Fixed Term Series IV-IV (1997 Days) - Regular Plan - Growth Option has delivered a CAGR of 10.60% — +3.63 pp ahead of the Medium to Long Duration Fund category average of 6.97%. The fund ranks #1 of 236 in its category — the top (Q1) quartile.

Over the trailing 5-year window, UTI - Dual Advantage Fixed Term Series IV-IV (1997 Days) - Regular Plan - Growth Option has delivered a CAGR of 8.37% — +1.76 pp ahead of the Medium to Long Duration Fund category average of 6.61%. The fund ranks #1 of 24 in its category — the top (Q1) quartile.

₹1 lakh invested in UTI - Dual Advantage Fixed Term Series IV-IV (1997 Days) - Regular Plan - Growth Option exactly 5 years ago would be worth approximately ₹149,444 today — a multiplier of 1.49×, based on the 5-year CAGR of 8.37%. The category average over the same window would have grown ₹1 lakh to ₹137,711.

A ₹10,000 monthly SIP in UTI - Dual Advantage Fixed Term Series IV-IV (1997 Days) - Regular Plan - Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹765,902 today. That's an XIRR (money-weighted annualised return) of 9.69%.

UTI - Dual Advantage Fixed Term Series IV-IV (1997 Days) - Regular 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 ₹765,902 — XIRR 9.69%.

On a 5-year basis, UTI - Dual Advantage Fixed Term Series IV-IV (1997 Days) - Regular Plan - Growth Option ranks #1 out of 24 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 6.61%; this fund delivered 8.37%.

The worst peak-to-trough decline UTI - Dual Advantage Fixed Term Series IV-IV (1997 Days) - Regular Plan - Growth Option has experienced over the last 5-year window is 3.90% — 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) - Regular Plan - Growth Option averaged 8.16% (best 8.37%, worst 7.82%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.45 — weak risk-adjusted performance.

In calendar year 2021, UTI - Dual Advantage Fixed Term Series IV-IV (1997 Days) - Regular Plan - Growth Option returned 11.67% — beating the Medium to Long Duration Fund category average of 3.46% by 8.21 pp. It ranked #1 of 120 in its category that year.

UTI - Dual Advantage Fixed Term Series IV-IV (1997 Days) - Regular 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) - Regular 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: 8.37%.

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) - Regular 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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