Should I invest in UTI - Floater Fund?

We don't give personal investment advice. UTI - Floater Fund - Direct Plan - Growth Option 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: 0.3%. 5-year CAGR: 6.21%.

UTI

UTI - Floater Fund - Direct Plan - Growth Option

Latest NAV

₹1,648.9902

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

Add another fund to compare

No matches.

Compares up to 8 funds. Click any line in the legend above to hide/show it.

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%	+0.03%	+0.00	8 / 12	Q3
1W	+0.23%	+0.19%	+0.04	5 / 12	Q2
2W	+0.19%	+0.23%	-0.04	7 / 12	Q3
1M	+0.19%	+0.16%	+0.03	6 / 12	Q2
3M	+1.18%	+0.82%	+0.36	1 / 12	Q1
6M	+2.43%	+2.18%	+0.25	4 / 12	Q2
YTD	+2.07%	+1.84%	+0.23	3 / 12	Q1
1Y	+5.41%	+5.18%	+0.24	5 / 12	Q2
2Y	+6.91%	+7.42%	-0.51	12 / 12	Q4
3Y	+7.05%	+7.61%	-0.56	12 / 12	Q4
4Y	+6.92%	+7.45%	-0.54	12 / 12	Q4
5Y	+6.21%	+6.61%	-0.40	12 / 12	Q4
7Y	+6.58%	+7.04%	-0.46	7 / 7	Q4
10Y	—	—	—	—	—
Inception	+6.80%	+7.11%	-0.31	8 / 12	Q3

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%	+1.84%	+0.23	3 / 12
2025	+7.46%	+8.03%	-0.57	11 / 12
2024	+7.47%	+8.56%	-1.09	12 / 12
2023	+7.32%	+7.74%	-0.42	11 / 12
2022	+4.29%	+4.50%	-0.22	8 / 12
2021	+3.91%	+4.08%	-0.17	6 / 8
2020	+8.47%	+9.54%	-1.06	6 / 7
2019	+9.37%	+8.93%	+0.44	2 / 6
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

+6.75%

81 windows

min 3.2% · max 10.2%

100% positive

3-Year rolling

+6.27%

57 windows

min 4.9% · 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

+6.31%

32 windows

min 6.0% · max 6.7%

100% positive

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

7-Year rolling

+6.79%

8 windows

min 6.6% · max 6.9%

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 - Growth Option	HDFC	₹53.6722	3 Jun 2026
Nippon India Floater Fund - Direct Plan Growth Plan - Growth Option	Nippon India	₹49.8068	3 Jun 2026
SBI Floating Rate Debt Fund - Direct Plan - Growth	SBI	₹14.1147	3 Jun 2026
ICICI Prudential Floating Interest Fund - Direct Plan - Growth	ICICI Prudential	₹490.3965	3 Jun 2026
BANDHAN FLOATER FUND - DIRECT PLAN GROWTH	Bandhan	₹13.8592	3 Jun 2026
Aditya Birla Sun Life Floating Rate Fund-Direct Plan-Growth	Aditya Birla Sun Life	₹376.8756	3 Jun 2026
Franklin India Floating Rate Fund - Direct - Growth	Franklin India	₹47.1024	3 Jun 2026
KOTAK FLOATING RATE FUND-DIRECT PLAN-GROWTH OPTION	Kotak	₹1,627.7214	3 Jun 2026
DSP Floater Fund - Direct Plan - Growth	DSP	₹13.9635	3 Jun 2026
Axis Floater Fund - Direct Plan - Growth	Axis	₹1,382.0774	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹1,648.9902
2 Jun 2026	₹1,648.9069
1 Jun 2026	₹1,648.3501
29 May 2026	₹1,647.2311
27 May 2026	₹1,645.7394
26 May 2026	₹1,645.1792
25 May 2026	₹1,645.3308
22 May 2026	₹1,644.0551
21 May 2026	₹1,643.5909
20 May 2026	₹1,645.1327

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 - Growth Option is ₹1,648.9902. It's a Floater Fund from UTI, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

UTI - Floater Fund - Direct Plan - Growth Option 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 - Growth Option 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 - Growth Option has delivered a absolute return of 5.41% — +0.24 pp ahead of the Floater Fund category average of 5.18%. The fund ranks #5 of 12 in its category — the second (Q2) quartile.

Over the trailing 3-year window, UTI - Floater Fund - Direct Plan - Growth Option has delivered a CAGR of 7.05% — -0.56 pp behind the Floater Fund category average of 7.61%. The fund ranks #12 of 12 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, UTI - Floater Fund - Direct Plan - Growth Option has delivered a CAGR of 6.21% — -0.4 pp behind the Floater Fund category average of 6.61%. The fund ranks #12 of 12 in its category — the bottom (Q4) quartile.

₹1 lakh invested in UTI - Floater Fund - Direct Plan - Growth Option exactly 5 years ago would be worth approximately ₹135,136 today — a multiplier of 1.35×, based on the 5-year CAGR of 6.21%. The category average over the same window would have grown ₹1 lakh to ₹137,688.

A ₹10,000 monthly SIP in UTI - Floater Fund - Direct Plan - Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹710,921 today. That's an XIRR (money-weighted annualised return) of 6.71%.

UTI - Floater Fund - Direct Plan - Growth Option doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,057,584 — XIRR 6.48%.

On a 5-year basis, UTI - Floater Fund - Direct Plan - Growth Option ranks #12 out of 12 funds in the Floater Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 6.61%; this fund delivered 6.21%.

The worst peak-to-trough decline UTI - Floater Fund - Direct Plan - Growth Option has experienced over the last 5-year window is 0.34% — its NAV fell from a high on 06 Jun 2025 to a low on 13 Jun 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 - Floater Fund - Direct Plan - Growth Option averaged 6.31% (best 6.69%, worst 6.04%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.61 — negative risk-adjusted performance.

In calendar year 2025, UTI - Floater Fund - Direct Plan - Growth Option returned 7.46% — lagging the Floater Fund category average of 8.03% by 0.57 pp. It ranked #11 of 12 in its category that year.

UTI - Floater Fund - Direct Plan - Growth Option 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 - Growth Option 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: 0.3%. 5-year CAGR: 6.21%.

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

UTI - Floater Fund - Direct Plan - Growth Option

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

More from UTI