Should I invest in UTI Floater Fund - Annual IDCW?

We don't give personal investment advice. UTI Floater Fund - Direct 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: 1.7%. 5-year CAGR: 5.97%.

UTI

UTI Floater Fund - Direct Plan - Annual IDCW

Latest NAV

₹1,528.8444

As of

17 Jul 2026

1,865 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	+0.05%	0.00%	+0.05	1 / 41	Q1
1W	+0.11%	-0.01%	+0.12	5 / 41	Q1
2W	+0.11%	-0.06%	+0.16	5 / 41	Q1
1M	+0.64%	+0.30%	+0.35	12 / 41	Q2
3M	+1.60%	+1.01%	+0.59	18 / 41	Q2
6M	+3.43%	+1.73%	+1.70	9 / 41	Q1
YTD	+3.39%	+1.59%	+1.79	8 / 41	Q1
1Y	+6.02%	+2.57%	+3.46	6 / 41	Q1
2Y	+7.14%	+3.39%	+3.75	15 / 40	Q2
3Y	+7.18%	+3.57%	+3.61	16 / 41	Q2
4Y	+7.11%	+3.42%	+3.69	14 / 40	Q2
5Y	+5.97%	+2.95%	+3.03	15 / 40	Q2
7Y	+5.20%	+1.82%	+3.38	5 / 22	Q1
10Y	—	—	—	—	—
Inception	+5.65%	+3.07%	+2.57	16 / 41	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	+3.39%	+1.63%	+1.76	8 / 38
2025	+7.46%	+3.79%	+3.67	12 / 37
2024	+7.47%	+4.17%	+3.29	17 / 37
2023	+7.32%	+3.85%	+3.48	13 / 38
2022	+2.51%	+1.83%	+0.68	17 / 40
2021	+0.34%	-0.08%	+0.43	8 / 24
2020	+4.62%	+2.77%	+1.85	7 / 22
2019	+9.37%	+2.87%	+6.50	5 / 21
2018	—	—	—	—

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

+5.36%

82 windows

min 0.3% · max 9.7%

100% positive

3-Year rolling

+4.92%

58 windows

min 2.3% · max 7.5%

100% positive

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

5-Year rolling

+4.90%

34 windows

min 4.4% · max 6.0%

100% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

7-Year rolling

+5.42%

9 windows

min 5.2% · max 5.6%

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

0.74%

3-year · annualised

Sharpe ratio

0.62

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.34%

Jun 2025 → Jun 2025

% positive months

100.0%

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 Floater Fund

Scheme	Fund house	NAV	As of
HDFC Floating Rate Debt Fund - Direct Plan - Daily IDCW	HDFC	₹10.0686	17 Jul 2026
NIPPON INDIA FLOATER FUND - DIRECT Plan - WEEKLY IDCW Option	Nippon India	₹10.2758	17 Jul 2026
SBI Floating Rate DEBT Fund - Direct Plan - Monthly Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹14.3821	17 Jul 2026
ICICI Prudential Floating Interest Fund - Direct Plan - Daily IDCW	ICICI Prudential	₹100.2094	17 Jul 2026
BANDHAN FLOATER FUND - DIRECT PLAN DAILY IDCW	Bandhan	₹10.1177	17 Jul 2026
Aditya Birla Sun Life Floating Rate Fund-Direct - daily IDCW	Aditya Birla Sun Life	₹100.1026	17 Jul 2026
Franklin India Floating Rate Fund - Direct - IDCW	Franklin India	₹10.0639	17 Jul 2026
KOTAK FLOATING RATE FUND-DIRECT PLAN-Standard Reinvestment of Income Distribution cum capital withdrawal option	Kotak	₹1,442.9538	17 Jul 2026
DSP Floater Fund - Direct Plan - IDCW	DSP	₹14.2412	17 Jul 2026
UTI Floater Fund - Direct Plan - Flexi IDCW	UTI	₹1,573.3625	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹1,528.8444
16 Jul 2026	₹1,528.0539
15 Jul 2026	₹1,527.4117
14 Jul 2026	₹1,527.0143
13 Jul 2026	₹1,527.7120
10 Jul 2026	₹1,527.2068
9 Jul 2026	₹1,526.6976
8 Jul 2026	₹1,526.2356
7 Jul 2026	₹1,527.0272
6 Jul 2026	₹1,527.6015

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 Floater Fund - Direct Plan - Annual IDCW is ₹1,528.8444. It's a Floater Fund from UTI, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

UTI Floater Fund - Direct Plan - Annual IDCW has NAV history starting from 31 Oct 2018, a track record of about 7 years 8 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 Floater Fund - Direct Plan - Annual IDCW is managed by UTI. It's classified by AMFI under the 'Floater Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, UTI Floater Fund - Direct Plan - Annual IDCW has delivered a absolute return of 6.02% — +3.46 pp ahead of the Floater Fund category average of 2.57%. The fund ranks #6 of 41 in its category — the top (Q1) quartile.

Over the trailing 3-year window, UTI Floater Fund - Direct Plan - Annual IDCW has delivered a CAGR of 7.18% — +3.61 pp ahead of the Floater Fund category average of 3.57%. The fund ranks #16 of 41 in its category — the second (Q2) quartile.

Over the trailing 5-year window, UTI Floater Fund - Direct Plan - Annual IDCW has delivered a CAGR of 5.97% — +3.03 pp ahead of the Floater Fund category average of 2.95%. The fund ranks #15 of 40 in its category — the second (Q2) quartile.

₹1 lakh invested in UTI Floater Fund - Direct Plan - Annual IDCW exactly 5 years ago would be worth approximately ₹133,657 today — a multiplier of 1.34×, based on the 5-year CAGR of 5.97%. The category average over the same window would have grown ₹1 lakh to ₹115,636.

A ₹10,000 monthly SIP in UTI Floater Fund - Direct Plan - Annual IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹712,716 today. That's an XIRR (money-weighted annualised return) of 6.82%.

UTI Floater Fund - Direct Plan - Annual IDCW doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,039,811 — XIRR 6.00%.

On a 5-year basis, UTI Floater Fund - Direct Plan - Annual IDCW ranks #15 out of 40 funds in the Floater Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 2.95%; this fund delivered 5.97%.

The worst peak-to-trough decline UTI Floater Fund - Direct Plan - Annual IDCW has experienced over the last 5-year window is 1.69% — its NAV fell from a high on 21 Mar 2022 to a low on 23 Mar 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 Floater Fund - Direct Plan - Annual IDCW averaged 4.90% (best 5.97%, worst 4.37%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.57 — negative risk-adjusted performance.

In calendar year 2025, UTI Floater Fund - Direct Plan - Annual IDCW returned 7.46% — beating the Floater Fund category average of 3.79% by 3.67 pp. It ranked #12 of 37 in its category that year.

UTI Floater Fund - Direct 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 Floater Fund - Direct 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: 1.7%. 5-year CAGR: 5.97%.

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

UTI Floater Fund - Direct Plan - Annual IDCW

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Floater Fund

Recent NAVs

Frequently asked questions

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