Should I invest in UTI Dynamic Bond Fund - Quarterly IDCW?

We don't give personal investment advice. UTI Dynamic Bond Fund - Direct Plan - Quarterly IDCW 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 - Quarterly IDCW

Latest NAV

₹26.8930

As of

3 Jun 2026

3,234 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%	+17.32%	-17.28	34 / 68	Q2
1W	+0.17%	+14.16%	-13.99	36 / 70	Q3
2W	+0.29%	+15.97%	-15.68	43 / 69	Q3
1M	+0.15%	+15.90%	-15.75	37 / 69	Q3
3M	+0.72%	+15.94%	-15.22	17 / 69	Q1
6M	+1.80%	+17.09%	-15.29	16 / 69	Q1
YTD	+1.66%	+15.85%	-14.18	13 / 69	Q1
1Y	+3.07%	+18.41%	-15.33	16 / 69	Q1
2Y	+6.76%	+7.92%	-1.16	16 / 68	Q1
3Y	+7.15%	+2.85%	+4.30	9 / 63	Q1
4Y	+7.07%	+3.41%	+3.66	13 / 61	Q1
5Y	+9.38%	+3.09%	+6.28	2 / 56	Q1
7Y	+8.09%	+2.73%	+5.35	1 / 52	Q1
10Y	+6.47%	+2.66%	+3.81	10 / 41	Q1
Inception	+7.17%	+7.98%	-0.81	10 / 68	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
2026 YTD	+1.66%	+0.03%	+1.63	7 / 55
2025	+7.02%	+2.58%	+4.44	8 / 57
2024	+9.69%	+4.34%	+5.36	9 / 57
2023	+6.91%	+1.22%	+5.69	12 / 60
2022	+10.78%	+21.54%	-10.76	5 / 59
2021	+11.38%	+0.27%	+11.11	2 / 55
2020	+6.40%	+3.18%	+3.22	16 / 52
2019	-3.06%	+2.95%	-6.01	47 / 53
2018	+5.77%	+3.55%	+2.21	14 / 47
2017	-1.21%	-1.08%	-0.13	21 / 44
2016	+13.32%	+6.39%	+6.93	6 / 44

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

+7.55%

152 windows

min -4.4% · max 19.7%

89% positive

3-Year rolling

+7.09%

127 windows

min -0.8% · max 13.4%

98% positive

5-Year rolling

+6.47%

103 windows

min 2.7% · max 10.2%

100% positive

7-Year rolling

+6.17%

79 windows

min 5.0% · 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 - Half Yearly IDCW - Direct Plan	HDFC	₹13.6543	3 Jun 2026
NIPPON INDIA DYNAMIC BOND FUND - Direct Plan - IDCW Option	Nippon India	₹29.9231	3 Jun 2026
SBI Dynamic Bond Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹22.6379	3 Jun 2026
ICICI Prudential All Seasons Bond Fund - Direct Plan - Annual IDCW	ICICI Prudential	₹11.2620	3 Jun 2026
BANDHAN Dynamic Bond Fund-Direct Plan-Annual IDCW	Bandhan	₹11.7487	3 Jun 2026
Quantum Dynamic Bond Fund - Direct Plan Monthly IDCW	Quantum	₹10.1944	3 Jun 2026
Aditya Birla Sun Life Dynamic Bond Fund -Direct - IDCW	Aditya Birla Sun Life	₹12.9569	3 Jun 2026
Franklin India Dynamic Accrual Fund-Segregated Portfolio 3 (9.50% Yes Bank Ltd CO 23Dec21) - Direct IDCW	Franklin India	₹0.0000	3 Jun 2026
Mirae Asset Dynamic Bond Fund Direct IDCW	Mirae Asset	₹18.5922	3 Jun 2026
Kotak Dynamic Bond Fund - Direct Plan - Standard Income Distribution cum capital withdrawal option	Kotak	₹14.8223	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹26.8930
2 Jun 2026	₹26.8973
1 Jun 2026	₹26.8864
29 May 2026	₹26.8744
27 May 2026	₹26.8580
26 May 2026	₹26.8508
25 May 2026	₹26.8507
22 May 2026	₹26.8126
21 May 2026	₹26.7989
20 May 2026	₹26.8160

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 - Quarterly IDCW is ₹26.8930. It's a Dynamic Bond Fund from UTI, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

UTI Dynamic Bond Fund - Direct Plan - Quarterly IDCW has NAV history starting from 04 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 - Quarterly IDCW 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 - Quarterly IDCW has delivered a absolute return of 3.07% — -15.33 pp behind the Dynamic Bond Fund category average of 18.41%. The fund ranks #16 of 69 in its category — the top (Q1) quartile.

Over the trailing 3-year window, UTI Dynamic Bond Fund - Direct Plan - Quarterly IDCW has delivered a CAGR of 7.15% — +4.3 pp ahead of the Dynamic Bond Fund category average of 2.85%. The fund ranks #9 of 63 in its category — the top (Q1) quartile.

Over the trailing 5-year window, UTI Dynamic Bond Fund - Direct Plan - Quarterly IDCW has delivered a CAGR of 9.38% — +6.28 pp ahead of the Dynamic Bond Fund category average of 3.09%. The fund ranks #2 of 56 in its category — the top (Q1) quartile.

₹1 lakh invested in UTI Dynamic Bond Fund - Direct Plan - Quarterly IDCW exactly 10 years ago would be worth approximately ₹187,103 today — a multiplier of 1.87×, based on the 10-year CAGR of 6.47%. The category average over the same window would have grown ₹1 lakh to ₹129,961.

A ₹10,000 monthly SIP in UTI Dynamic Bond Fund - Direct Plan - Quarterly IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹727,473 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 - Quarterly IDCW = ₹1,200,000 invested. It would currently be worth ₹1,732,105 (multiplier 1.44×). XIRR: 7.13%. 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 - Quarterly IDCW ranks #2 out of 56 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 3.09%; this fund delivered 9.38%.

The worst peak-to-trough decline UTI Dynamic Bond Fund - Direct Plan - Quarterly IDCW 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 - Quarterly IDCW averaged 6.47% (best 10.16%, worst 2.72%). 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 - Quarterly IDCW returned 7.02% — beating the Dynamic Bond Fund category average of 2.58% by 4.44 pp. It ranked #8 of 57 in its category that year.

UTI Dynamic Bond Fund - Direct Plan - Quarterly IDCW 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 - Quarterly IDCW 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.