Should I invest in UTI Dynamic Bond Fund - Half-Yearly IDCW?

We don't give personal investment advice. UTI Dynamic Bond Fund - Regular Plan - Half-Yearly 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: 4.8%. 5-year CAGR: 7.70%.

UTI

UTI Dynamic Bond Fund - Regular Plan - Half-Yearly IDCW

Latest NAV

₹15.9449

As of

17 Jul 2026

2,499 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	7 / 44	Q1
1W	+0.00%	-0.13%	+0.14	4 / 44	Q1
2W	-0.02%	-0.12%	+0.10	10 / 44	Q1
1M	+0.61%	+0.59%	+0.01	23 / 44	Q3
3M	+1.43%	+1.45%	-0.02	23 / 44	Q3
6M	+2.91%	+1.96%	+0.95	13 / 44	Q2
YTD	+2.73%	+1.47%	+1.26	10 / 44	Q1
1Y	+3.67%	+2.14%	+1.53	10 / 44	Q1
2Y	+6.29%	+3.06%	+3.22	9 / 44	Q1
3Y	+6.53%	+3.08%	+3.45	9 / 44	Q1
4Y	+6.48%	+3.39%	+3.09	7 / 42	Q1
5Y	+7.70%	+3.49%	+4.21	4 / 37	Q1
7Y	+5.74%	+2.92%	+2.81	9 / 33	Q2
10Y	+4.19%	+3.51%	+0.68	12 / 25	Q2
Inception	+4.59%	+2.69%	+1.90	15 / 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	+2.73%	+1.43%	+1.30	9 / 41
2025	+6.13%	+2.27%	+3.86	8 / 43
2024	+8.71%	+4.07%	+4.65	10 / 43
2023	+6.07%	+2.84%	+3.23	13 / 43
2022	+5.48%	+1.74%	+3.73	4 / 36
2021	+7.86%	+1.29%	+6.57	2 / 32
2020	+2.96%	+2.67%	+0.30	15 / 33
2019	-4.54%	+2.75%	-7.29	30 / 33
2018	+4.48%	+3.81%	+0.68	14 / 27
2017	-2.91%	+1.05%	-3.96	20 / 25
2016	—	—	—	—

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

+4.19%

114 windows

min -6.4% · max 13.5%

79% positive

3-Year rolling

+4.08%

90 windows

min -1.9% · max 9.8%

81% positive

5-Year rolling

+4.23%

66 windows

min 0.4% · max 7.7%

100% positive

7-Year rolling

+4.05%

41 windows

min 2.4% · max 6.0%

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

2.03%

3-year · annualised

Sharpe ratio

-0.05

vs risk-free 6.5%

Sortino ratio

-0.16

Downside-only deviation

Max drawdown

-1.64%

Jul 2025 → Aug 2025

% positive months

83.3%

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 - Annual IDCW	UTI	₹13.8838	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	₹15.9449
16 Jul 2026	₹15.9417
15 Jul 2026	₹15.9334
14 Jul 2026	₹15.9254
13 Jul 2026	₹15.9457
10 Jul 2026	₹15.9445
9 Jul 2026	₹15.9350
8 Jul 2026	₹15.9308
7 Jul 2026	₹15.9458
6 Jul 2026	₹15.9520

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 - Half-Yearly IDCW is ₹15.9449. 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 - Half-Yearly IDCW has NAV history starting from 16 Mar 2016, a track record of about 10 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 Dynamic Bond Fund - Regular Plan - Half-Yearly 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 - Half-Yearly IDCW has delivered a absolute return of 3.67% — +1.53 pp ahead of the Dynamic Bond Fund category average of 2.14%. The fund ranks #10 of 44 in its category — the top (Q1) quartile.

Over the trailing 3-year window, UTI Dynamic Bond Fund - Regular Plan - Half-Yearly IDCW has delivered a CAGR of 6.53% — +3.45 pp ahead of the Dynamic Bond Fund category average of 3.08%. The fund ranks #9 of 44 in its category — the top (Q1) quartile.

Over the trailing 5-year window, UTI Dynamic Bond Fund - Regular Plan - Half-Yearly IDCW has delivered a CAGR of 7.70% — +4.21 pp ahead of the Dynamic Bond Fund category average of 3.49%. The fund ranks #4 of 37 in its category — the top (Q1) quartile.

₹1 lakh invested in UTI Dynamic Bond Fund - Regular Plan - Half-Yearly IDCW exactly 10 years ago would be worth approximately ₹150,761 today — a multiplier of 1.51×, based on the 10-year CAGR of 4.19%. 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 - Half-Yearly IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹708,036 today. That's an XIRR (money-weighted annualised return) of 6.56%.

A ₹10,000 monthly SIP for 10 years in UTI Dynamic Bond Fund - Regular Plan - Half-Yearly IDCW = ₹1,200,000 invested. It would currently be worth ₹1,578,395 (multiplier 1.32×). XIRR: 5.35%. 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 - Half-Yearly IDCW ranks #4 out of 37 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 3.49%; this fund delivered 7.70%.

The worst peak-to-trough decline UTI Dynamic Bond Fund - Regular Plan - Half-Yearly IDCW has experienced over the last 5-year window is 4.81% — its NAV fell from a high on 14 Dec 2021 to a low on 05 May 2022. 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 - Half-Yearly IDCW averaged 4.22% (best 7.70%, worst 0.41%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.20 — weak risk-adjusted performance.

In calendar year 2025, UTI Dynamic Bond Fund - Regular Plan - Half-Yearly IDCW returned 6.13% — beating the Dynamic Bond Fund category average of 2.27% by 3.86 pp. It ranked #8 of 43 in its category that year.

UTI Dynamic Bond Fund - Regular Plan - Half-Yearly 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 - Half-Yearly 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: 4.8%. 5-year CAGR: 7.70%.

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