Should I invest in UTI Floater Fund - Flexi IDCW?

We don't give personal investment advice. UTI Floater Fund - Direct Plan - Flexi 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: 5.85%.

UTI

UTI Floater Fund - Direct Plan - Flexi IDCW

Latest NAV

₹1,553.4742

As of

3 Jun 2026

1,834 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	+0.03%	+0.01%	+0.03	18 / 41	Q2
1W	+0.23%	+0.16%	+0.07	13 / 41	Q2
2W	+0.19%	+0.23%	-0.04	27 / 41	Q3
1M	+0.19%	+0.14%	+0.05	12 / 41	Q2
3M	+1.18%	+0.25%	+0.94	5 / 41	Q1
6M	+2.43%	+0.78%	+1.65	6 / 41	Q1
YTD	+2.07%	+0.72%	+1.35	6 / 41	Q1
1Y	+5.41%	+1.77%	+3.64	4 / 41	Q1
2Y	+6.91%	+3.19%	+3.72	16 / 40	Q2
3Y	+7.05%	+3.41%	+3.64	16 / 41	Q2
4Y	+6.92%	+3.32%	+3.60	15 / 40	Q2
5Y	+5.85%	+2.80%	+3.05	14 / 40	Q2
7Y	+5.68%	+1.82%	+3.86	2 / 22	Q1
10Y	—	—	—	—	—
Inception	+5.96%	+2.98%	+2.98	14 / 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	+2.07%	+0.69%	+1.39	5 / 38
2025	+7.46%	+3.79%	+3.67	13 / 37
2024	+7.47%	+4.17%	+3.29	16 / 37
2023	+7.32%	+3.85%	+3.48	14 / 38
2022	+2.56%	+1.83%	+0.73	16 / 40
2021	+0.44%	-0.08%	+0.52	5 / 24
2020	+7.51%	+2.77%	+4.74	3 / 22
2019	+9.37%	+2.87%	+6.50	3 / 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

+5.81%

81 windows

min 0.5% · max 9.7%

100% positive

3-Year rolling

+5.17%

57 windows

min 3.2% · max 7.6%

100% positive

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

5-Year rolling

+5.20%

32 windows

min 5.0% · max 5.9%

100% positive

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

7-Year rolling

+5.89%

8 windows

min 5.7% · 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

0.67%

3-year · annualised

Sharpe ratio

0.50

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	₹10.0800	3 Jun 2026
NIPPON INDIA FLOATER FUND - DIRECT Plan - WEEKLY IDCW Option	Nippon India	₹10.2557	3 Jun 2026
SBI Floating Rate DEBT Fund - Direct Plan - Monthly Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹14.1138	3 Jun 2026
ICICI Prudential Floating Interest Fund - Direct Plan - Daily IDCW	ICICI Prudential	₹100.1450	3 Jun 2026
BANDHAN FLOATER FUND - DIRECT PLAN DAILY IDCW	Bandhan	₹10.1312	3 Jun 2026
Aditya Birla Sun Life Floating Rate Fund-Direct - daily IDCW	Aditya Birla Sun Life	₹100.0001	3 Jun 2026
Franklin India Floating Rate Fund - Direct - IDCW	Franklin India	₹10.0589	3 Jun 2026
KOTAK FLOATING RATE FUND-DIRECT PLAN-Standard Reinvestment of Income Distribution cum capital withdrawal option	Kotak	₹1,417.9966	3 Jun 2026
DSP Floater Fund - Direct Plan - IDCW	DSP	₹13.9635	3 Jun 2026
UTI Floater Fund - Direct Plan - Annual IDCW	UTI	₹1,509.5189	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹1,553.4742
2 Jun 2026	₹1,553.3957
1 Jun 2026	₹1,552.8712
29 May 2026	₹1,551.8171
27 May 2026	₹1,550.4118
26 May 2026	₹1,549.8841
25 May 2026	₹1,550.0269
22 May 2026	₹1,548.8251
21 May 2026	₹1,548.3879
20 May 2026	₹1,549.8403

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 Floater Fund - Direct Plan - Flexi IDCW is ₹1,553.4742. 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 - Flexi IDCW has NAV history starting from 31 Oct 2018, a track record of about 7 years 7 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 - Flexi 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 - Flexi IDCW has delivered a absolute return of 5.41% — +3.64 pp ahead of the Floater Fund category average of 1.77%. The fund ranks #4 of 41 in its category — the top (Q1) quartile.

Over the trailing 3-year window, UTI Floater Fund - Direct Plan - Flexi IDCW has delivered a CAGR of 7.05% — +3.64 pp ahead of the Floater Fund category average of 3.41%. The fund ranks #16 of 41 in its category — the second (Q2) quartile.

Over the trailing 5-year window, UTI Floater Fund - Direct Plan - Flexi IDCW has delivered a CAGR of 5.85% — +3.05 pp ahead of the Floater Fund category average of 2.80%. The fund ranks #14 of 40 in its category — the second (Q2) quartile.

₹1 lakh invested in UTI Floater Fund - Direct Plan - Flexi IDCW exactly 5 years ago would be worth approximately ₹132,892 today — a multiplier of 1.33×, based on the 5-year CAGR of 5.85%. The category average over the same window would have grown ₹1 lakh to ₹114,798.

A ₹10,000 monthly SIP in UTI Floater Fund - Direct Plan - Flexi IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹708,711 today. That's an XIRR (money-weighted annualised return) of 6.59%.

UTI Floater Fund - Direct Plan - Flexi IDCW doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,037,838 — XIRR 5.95%.

On a 5-year basis, UTI Floater Fund - Direct Plan - Flexi IDCW ranks #14 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 2.80%; this fund delivered 5.85%.

The worst peak-to-trough decline UTI Floater Fund - Direct Plan - Flexi IDCW has experienced over the last 5-year window is 1.64% — 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 - Flexi IDCW averaged 5.20% (best 5.88%, worst 4.97%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.74 — negative risk-adjusted performance.

In calendar year 2025, UTI Floater Fund - Direct Plan - Flexi IDCW returned 7.46% — beating the Floater Fund category average of 3.79% by 3.67 pp. It ranked #13 of 37 in its category that year.

UTI Floater Fund - Direct Plan - Flexi 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 - Flexi 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: 5.85%.

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

UTI Floater Fund - Direct Plan - Flexi 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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