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

We don't give personal investment advice. UTI Dynamic Bond Fund - Regular Plan - Annual 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: 6.2%. 5-year CAGR: 4.46%.

UTI

UTI Dynamic Bond Fund - Regular Plan - Annual IDCW

Latest NAV

₹13.8838

As of

17 Jul 2026

2,767 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	+0.02%	-0.08%	+0.10	6 / 44	Q1
1W	+0.00%	-0.13%	+0.14	6 / 44	Q1
2W	-0.02%	-0.12%	+0.10	9 / 44	Q1
1M	+0.61%	+0.59%	+0.01	22 / 44	Q2
3M	+1.43%	+1.45%	-0.02	24 / 44	Q3
6M	+0.69%	+1.96%	-1.27	39 / 44	Q4
YTD	+0.51%	+1.47%	-0.96	36 / 44	Q4
1Y	+1.43%	+2.14%	-0.70	23 / 44	Q3
2Y	+3.20%	+3.06%	+0.14	21 / 44	Q2
3Y	+3.12%	+3.08%	+0.05	21 / 44	Q2
4Y	+2.25%	+3.39%	-1.14	22 / 42	Q3
5Y	+4.46%	+3.49%	+0.97	19 / 37	Q3
7Y	+3.47%	+2.92%	+0.55	15 / 33	Q2
10Y	+2.65%	+3.51%	-0.86	13 / 25	Q3
Inception	+2.91%	+2.69%	+0.22	18 / 44	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	+0.51%	+1.43%	-0.92	33 / 41
2025	+2.27%	+2.27%	0.00	20 / 43
2024	+4.61%	+4.07%	+0.54	20 / 43
2023	-0.58%	+2.84%	-3.42	42 / 43
2022	+5.58%	+1.74%	+3.84	3 / 36
2021	+5.99%	+1.29%	+4.70	4 / 32
2020	+5.78%	+2.67%	+3.11	11 / 33
2019	-5.15%	+2.75%	-7.90	32 / 33
2018	+2.44%	+3.81%	-1.36	17 / 27
2017	-2.79%	+1.05%	-3.84	19 / 25
2016	+9.79%	+6.59%	+3.20	5 / 24

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

+2.94%

128 windows

min -7.0% · max 14.2%

70% positive

3-Year rolling

+2.56%

104 windows

min -2.7% · max 6.5%

85% positive

5-Year rolling

+2.68%

79 windows

min 0.5% · max 4.8%

100% positive

7-Year rolling

+2.61%

55 windows

min 1.2% · max 3.7%

100% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

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

3.14%

3-year · annualised

Sharpe ratio

-1.06

vs risk-free 6.5%

Sortino ratio

-1.40

Downside-only deviation

Max drawdown

-4.30%

Mar 2024 → Apr 2024

% positive months

75.0%

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
ICICI Prudential Long Term Plan- Regular Dividend	ICICI Prudential	₹10.9272	17 Jul 2026
BANDHAN Dynamic Bond Fund - Regular Plan B - Annual IDCW	Bandhan	₹11.5799	17 Jul 2026
Quantum Dynamic Bond Fund - Regular Plan Monthly IDCW	Quantum	₹10.4821	17 Jul 2026
Aditya Birla Sun Life Dynamic Bond Fund -Regular - IDCW	Aditya Birla Sun Life	₹12.1627	17 Jul 2026
Mirae Asset Dynamic Bond Fund Regular IDCW	Mirae Asset	₹17.0470	17 Jul 2026
Kotak Dynamic Bond Fund Regular Plan - Standard Income Distribution cum capital withdrawal option	Kotak	₹14.8769	17 Jul 2026
HSBC Dynamic Bond Fund - Regular Annual IDCW	HSBC	₹10.2710	17 Jul 2026
Baroda BNP Paribas Dynamic Bond Fund - Regular Plan - Daily IDCW Option	Baroda BNP Paribas	₹10.0832	17 Jul 2026
UTI Dynamic Bond Fund - Regular Plan - Flexi IDCW	UTI	₹17.1507	17 Jul 2026
Axis Dynamic Bond Fund - Regular Plan - Half Yearly IDCW	Axis	₹11.9670	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹13.8838
16 Jul 2026	₹13.8810
15 Jul 2026	₹13.8738
14 Jul 2026	₹13.8669
13 Jul 2026	₹13.8845
10 Jul 2026	₹13.8835
9 Jul 2026	₹13.8752
8 Jul 2026	₹13.8716
7 Jul 2026	₹13.8846
6 Jul 2026	₹13.8900

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 17 Jul 2026, the NAV of UTI Dynamic Bond Fund - Regular Plan - Annual IDCW is ₹13.8838. It's a Dynamic Bond Fund from UTI, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

UTI Dynamic Bond Fund - Regular Plan - Annual IDCW has NAV history starting from 04 Feb 2015, a track record of about 11 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 - Regular Plan - Annual 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 - Regular Plan - Annual IDCW has delivered a absolute return of 1.43% — -0.7 pp behind the Dynamic Bond Fund category average of 2.14%. The fund ranks #23 of 44 in its category — the third (Q3) quartile.

Over the trailing 3-year window, UTI Dynamic Bond Fund - Regular Plan - Annual IDCW has delivered a CAGR of 3.12% — +0.05 pp ahead of the Dynamic Bond Fund category average of 3.08%. The fund ranks #21 of 44 in its category — the second (Q2) quartile.

Over the trailing 5-year window, UTI Dynamic Bond Fund - Regular Plan - Annual IDCW has delivered a CAGR of 4.46% — +0.97 pp ahead of the Dynamic Bond Fund category average of 3.49%. The fund ranks #19 of 37 in its category — the third (Q3) quartile.

₹1 lakh invested in UTI Dynamic Bond Fund - Regular Plan - Annual IDCW exactly 10 years ago would be worth approximately ₹129,912 today — a multiplier of 1.30×, based on the 10-year CAGR of 2.65%. The category average over the same window would have grown ₹1 lakh to ₹141,243.

A ₹10,000 monthly SIP in UTI Dynamic Bond Fund - Regular Plan - Annual IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹644,073 today. That's an XIRR (money-weighted annualised return) of 2.80%.

A ₹10,000 monthly SIP for 10 years in UTI Dynamic Bond Fund - Regular Plan - Annual IDCW = ₹1,200,000 invested. It would currently be worth ₹1,385,937 (multiplier 1.15×). XIRR: 2.83%. 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 - Regular Plan - Annual IDCW ranks #19 out of 37 funds in the Dynamic Bond Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 3.49%; this fund delivered 4.46%.

The worst peak-to-trough decline UTI Dynamic Bond Fund - Regular Plan - Annual IDCW has experienced over the last 5-year window is 6.24% — its NAV fell from a high on 21 Mar 2023 to a low on 23 Mar 2023. 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 - Regular Plan - Annual IDCW averaged 2.68% (best 4.78%, worst 0.49%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.29 — negative risk-adjusted performance.

In calendar year 2025, UTI Dynamic Bond Fund - Regular Plan - Annual IDCW returned 2.27% — lagging the Dynamic Bond Fund category average of 2.27% by 0.00 pp. It ranked #20 of 43 in its category that year.

UTI Dynamic Bond Fund - Regular Plan - Annual 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 - Regular Plan - Annual 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: 6.2%. 5-year CAGR: 4.46%.

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