Should I invest in UTI Floater Fund - Half-Yearly IDCW?

We don't give personal investment advice. UTI Floater 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: 2.2%. 5-year CAGR: 5.01%.

UTI

UTI Floater Fund - Regular Plan - Half-Yearly IDCW

Latest NAV

₹1,386.2205

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%	+0.03%	+0.01	15 / 26	Q3
1W	+0.22%	+0.16%	+0.06	9 / 26	Q2
2W	+0.18%	+0.19%	-0.02	13 / 26	Q2
1M	+0.16%	+0.11%	+0.05	10 / 26	Q2
3M	+1.08%	+0.25%	+0.82	3 / 26	Q1
6M	+2.20%	+1.07%	+1.13	5 / 26	Q1
YTD	+1.89%	+0.91%	+0.98	5 / 26	Q1
1Y	+4.94%	+2.52%	+2.42	5 / 26	Q1
2Y	+6.46%	+4.37%	+2.08	15 / 26	Q3
3Y	+6.57%	+4.49%	+2.08	15 / 26	Q3
4Y	+6.42%	+4.41%	+2.01	15 / 26	Q3
5Y	+5.01%	+3.75%	+1.26	16 / 26	Q3
7Y	+4.07%	+3.08%	+0.99	4 / 7	Q3
10Y	—	—	—	—	—
Inception	+4.38%	+3.75%	+0.64	16 / 26	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	+1.89%	+0.91%	+0.98	5 / 26
2025	+7.02%	+4.81%	+2.21	13 / 26
2024	+6.98%	+5.21%	+1.77	16 / 26
2023	+6.79%	+4.62%	+2.17	13 / 26
2022	+1.88%	+2.33%	-0.45	17 / 26
2021	-1.02%	-0.09%	-0.93	5 / 9
2020	+1.68%	+3.56%	-1.89	5 / 7
2019	+7.28%	+4.94%	+2.34	3 / 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

+4.15%

81 windows

min -1.0% · max 8.4%

81% positive

3-Year rolling

+3.68%

57 windows

min 0.6% · max 7.1%

100% positive

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

5-Year rolling

+3.71%

32 windows

min 3.0% · max 5.0%

100% positive

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

7-Year rolling

+4.25%

8 windows

min 4.1% · max 4.4%

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

-0.18

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.35%

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
SBI Floating Rate DEBT Fund - Regular Plan - Monthly Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹13.9703	3 Jun 2026
BANDHAN FLOATER FUND - REGULAR PLAN ANNUAL IDCW	Bandhan	₹10.2200	3 Jun 2026
Aditya Birla Sun Life Floating Rate Fund-Regular - DAILY IDCW	Aditya Birla Sun Life	₹100.0928	3 Jun 2026
KOTAK FLOATING RATE FUND-REGULAR PLAN-STANDARD Reinvestment of Income Distribution cum capital withdrawal option	Kotak	₹1,412.0106	3 Jun 2026
DSP Floater Fund - Regular Plan - IDCW	DSP	₹13.7638	3 Jun 2026
UTI Floater Fund - Regular Plan - Annual IDCW	UTI	₹1,490.6606	3 Jun 2026
Axis Floater Fund - Regular Plan - Annual IDCW	Axis	₹1,323.4355	3 Jun 2026
Tata Floating Rate Fund-Regular Plan-IDCW Monthly Dividend Reinvestment	Tata	₹13.3713	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹1,386.2205
2 Jun 2026	₹1,386.1662
1 Jun 2026	₹1,385.7140
29 May 2026	₹1,384.8204
27 May 2026	₹1,383.5977
26 May 2026	₹1,383.1425
25 May 2026	₹1,383.2857
22 May 2026	₹1,382.2604
21 May 2026	₹1,381.8858
20 May 2026	₹1,383.1978

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 - Regular Plan - Half-Yearly IDCW is ₹1,386.2205. It's a Floater Fund from UTI, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

UTI Floater Fund - Regular Plan - Half-Yearly 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 - Regular Plan - Half-Yearly 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 - Regular Plan - Half-Yearly IDCW has delivered a absolute return of 4.94% — +2.42 pp ahead of the Floater Fund category average of 2.52%. The fund ranks #5 of 26 in its category — the top (Q1) quartile.

Over the trailing 3-year window, UTI Floater Fund - Regular Plan - Half-Yearly IDCW has delivered a CAGR of 6.57% — +2.08 pp ahead of the Floater Fund category average of 4.49%. The fund ranks #15 of 26 in its category — the third (Q3) quartile.

Over the trailing 5-year window, UTI Floater Fund - Regular Plan - Half-Yearly IDCW has delivered a CAGR of 5.01% — +1.26 pp ahead of the Floater Fund category average of 3.75%. The fund ranks #16 of 26 in its category — the third (Q3) quartile.

₹1 lakh invested in UTI Floater Fund - Regular Plan - Half-Yearly IDCW exactly 5 years ago would be worth approximately ₹127,716 today — a multiplier of 1.28×, based on the 5-year CAGR of 5.01%. The category average over the same window would have grown ₹1 lakh to ₹120,212.

A ₹10,000 monthly SIP in UTI Floater Fund - Regular Plan - Half-Yearly IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹699,248 today. That's an XIRR (money-weighted annualised return) of 6.06%.

UTI Floater Fund - Regular Plan - Half-Yearly IDCW doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,006,315 — XIRR 5.08%.

On a 5-year basis, UTI Floater Fund - Regular Plan - Half-Yearly IDCW ranks #16 out of 26 funds in the Floater Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 3.75%; this fund delivered 5.01%.

The worst peak-to-trough decline UTI Floater Fund - Regular Plan - Half-Yearly IDCW has experienced over the last 5-year window is 2.21% — its NAV fell from a high on 21 Sep 2021 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 - Regular Plan - Half-Yearly IDCW averaged 3.71% (best 5.03%, worst 2.96%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -1.20 — negative risk-adjusted performance.

In calendar year 2025, UTI Floater Fund - Regular Plan - Half-Yearly IDCW returned 7.02% — beating the Floater Fund category average of 4.81% by 2.21 pp. It ranked #13 of 26 in its category that year.

UTI Floater 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 Floater 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: 2.2%. 5-year CAGR: 5.01%.

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

UTI Floater Fund - Regular Plan - Half-Yearly 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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