Should I invest in UTI Dynamic Bond Fund?

We don't give personal investment advice. UTI Dynamic Bond Fund - 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: 1.6%. 5-year CAGR: 9.38%.

UTI

UTI Dynamic Bond Fund - Direct Plan - Growth Option

Latest NAV

₹34.9468

As of

3 Jun 2026

3,236 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	+0.04%	+11.82%	-11.78	13 / 25	Q3
1W	+0.17%	+3.69%	-3.51	15 / 27	Q3
2W	+0.29%	+7.92%	-7.63	18 / 26	Q3
1M	+0.15%	+7.80%	-7.65	16 / 26	Q3
3M	+0.72%	+8.21%	-7.49	7 / 26	Q2
6M	+1.80%	+9.49%	-7.69	8 / 26	Q2
YTD	+1.66%	+8.54%	-6.88	6 / 26	Q1
1Y	+3.07%	+11.20%	-8.13	8 / 26	Q2
2Y	+6.76%	+9.56%	-2.80	9 / 25	Q2
3Y	+7.15%	+6.58%	+0.57	6 / 24	Q1
4Y	+7.07%	+7.03%	+0.04	13 / 23	Q3
5Y	+9.38%	+6.23%	+3.15	1 / 22	Q1
7Y	+8.09%	+6.90%	+1.19	1 / 21	Q1
10Y	+7.26%	+7.22%	+0.04	8 / 16	Q2
Inception	+7.94%	+10.91%	-2.97	10 / 25	Q2

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
2026 YTD	+1.66%	+0.90%	+0.77	4 / 22
2025	+7.02%	+6.45%	+0.56	9 / 22
2024	+9.69%	+9.50%	+0.20	9 / 22
2023	+6.91%	+2.52%	+4.40	16 / 23
2022	+10.78%	+16.46%	-5.69	2 / 23
2021	+11.38%	+3.87%	+7.51	2 / 22
2020	+6.40%	+9.74%	-3.34	20 / 21
2019	-3.06%	+8.95%	-12.01	21 / 21
2018	+5.97%	+6.33%	-0.37	12 / 19
2017	+4.23%	+4.33%	-0.10	8 / 18
2016	+15.49%	+13.83%	+1.66	5 / 18

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

+8.21%

152 windows

min -4.4% · max 19.7%

93% positive

3-Year rolling

+7.85%

127 windows

min 1.4% · max 13.4%

100% positive

5-Year rolling

+7.30%

103 windows

min 4.3% · max 10.2%

100% positive

7-Year rolling

+6.95%

79 windows

min 6.0% · max 8.1%

100% positive

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

2.34%

3-year · annualised

Sharpe ratio

0.19

vs risk-free 6.5%

Sortino ratio

0.55

Downside-only deviation

Max drawdown

-1.56%

Jul 2025 → Aug 2025

% 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 Dynamic Bond Fund

Scheme	Fund house	NAV	As of
HDFC Dynamic Debt Fund - Growth Option - Direct Plan	HDFC	₹100.6129	3 Jun 2026
Nippon India Dynamic Bond Fund - Direct Plan Growth Plan - Growth Option	Nippon India	₹41.4175	3 Jun 2026
SBI Dynamic Bond Fund - DIRECT PLAN - Growth	SBI	₹40.5289	3 Jun 2026
ICICI Prudential All Seasons Bond Fund - Direct Plan - Growth	ICICI Prudential	₹41.4902	3 Jun 2026
BANDHAN Dynamic Bond Fund-Direct Plan-Growth	Bandhan	₹38.9185	3 Jun 2026
Quantum Dynamic Bond Fund - Direct Plan Growth Option	Quantum	₹22.2663	3 Jun 2026
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Direct Plan	Aditya Birla Sun Life	₹51.6266	3 Jun 2026
Franklin India Dynamic Accrual Fund - Segregated Portfolio 3 (9.50% Yes Bank Ltd CO 23Dec21) - Direct Growth Plan	Franklin India	₹0.0000	3 Jun 2026
Mirae Asset Dynamic Bond Fund -Direct Plan -Growth	Mirae Asset	₹18.6144	3 Jun 2026
Kotak Dynamic Bond Fund - Growth - Direct	Kotak	₹42.2341	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹34.9468
2 Jun 2026	₹34.9524
1 Jun 2026	₹34.9383
29 May 2026	₹34.9226
27 May 2026	₹34.9014
26 May 2026	₹34.8920
25 May 2026	₹34.8918
22 May 2026	₹34.8423
21 May 2026	₹34.8246
20 May 2026	₹34.8468

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 03 Jun 2026, the NAV of UTI Dynamic Bond Fund - Direct Plan - Growth Option is ₹34.9468. It's a Dynamic Bond Fund from UTI, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

UTI Dynamic Bond Fund - Direct Plan - Growth Option has NAV history starting from 02 Jan 2013, a track record of about 13 years 5 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 Dynamic Bond Fund - Direct Plan - Growth Option is managed by UTI. It's classified by AMFI under the 'Dynamic Bond Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, UTI Dynamic Bond Fund - Direct Plan - Growth Option has delivered a absolute return of 3.07% — -8.13 pp behind the Dynamic Bond Fund category average of 11.20%. The fund ranks #8 of 26 in its category — the second (Q2) quartile.

Over the trailing 3-year window, UTI Dynamic Bond Fund - Direct Plan - Growth Option has delivered a CAGR of 7.15% — +0.57 pp ahead of the Dynamic Bond Fund category average of 6.58%. The fund ranks #6 of 24 in its category — the top (Q1) quartile.

Over the trailing 5-year window, UTI Dynamic Bond Fund - Direct Plan - Growth Option has delivered a CAGR of 9.38% — +3.15 pp ahead of the Dynamic Bond Fund category average of 6.23%. The fund ranks #1 of 22 in its category — the top (Q1) quartile.

₹1 lakh invested in UTI Dynamic Bond Fund - Direct Plan - Growth Option exactly 10 years ago would be worth approximately ₹201,567 today — a multiplier of 2.02×, based on the 10-year CAGR of 7.26%. The category average over the same window would have grown ₹1 lakh to ₹200,801.

A ₹10,000 monthly SIP in UTI Dynamic Bond Fund - Direct Plan - Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹727,468 today. That's an XIRR (money-weighted annualised return) of 7.63%.

A ₹10,000 monthly SIP for 10 years in UTI Dynamic Bond Fund - Direct Plan - Growth Option = ₹1,200,000 invested. It would currently be worth ₹1,747,977 (multiplier 1.46×). XIRR: 7.30%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, UTI Dynamic Bond Fund - Direct Plan - Growth Option ranks #1 out of 22 funds in the Dynamic Bond Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 6.23%; this fund delivered 9.38%.

The worst peak-to-trough decline UTI Dynamic Bond Fund - Direct Plan - Growth Option has experienced over the last 5-year window is 1.56% — its NAV fell from a high on 21 Jul 2025 to a low on 26 Aug 2025. 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 Dynamic Bond Fund - Direct Plan - Growth Option averaged 7.30% (best 10.16%, worst 4.27%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.50 — reasonable risk-adjusted performance.

In calendar year 2025, UTI Dynamic Bond Fund - Direct Plan - Growth Option returned 7.02% — beating the Dynamic Bond Fund category average of 6.45% by 0.56 pp. It ranked #9 of 22 in its category that year.

UTI Dynamic Bond Fund - 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 Dynamic Bond Fund - 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: 1.6%. 5-year CAGR: 9.38%.

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

UTI Dynamic Bond Fund - Direct Plan - Growth Option

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Dynamic Bond Fund

Recent NAVs

Frequently asked questions

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