Should I invest in UTI Floater Fund - Quarterly IDCW?

We don't give personal investment advice. UTI Floater Fund - Regular Plan - Quarterly 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: 1.1%. 5-year CAGR: 3.10%.

UTI

UTI Floater Fund - Regular Plan - Quarterly IDCW

Latest NAV

₹1,276.4601

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	16 / 26	Q3
1W	+0.22%	+0.16%	+0.06	10 / 26	Q2
2W	+0.18%	+0.19%	-0.02	14 / 26	Q3
1M	+0.16%	+0.11%	+0.05	11 / 26	Q2
3M	+0.68%	+0.25%	+0.43	13 / 26	Q2
6M	+1.20%	+1.07%	+0.13	17 / 26	Q3
YTD	+1.49%	+0.91%	+0.58	14 / 26	Q3
1Y	+2.45%	+2.52%	-0.06	17 / 26	Q3
2Y	+3.65%	+4.37%	-0.72	17 / 26	Q3
3Y	+3.64%	+4.49%	-0.85	17 / 26	Q3
4Y	+3.64%	+4.41%	-0.77	17 / 26	Q3
5Y	+3.10%	+3.75%	-0.65	17 / 26	Q3
7Y	+2.85%	+3.08%	-0.23	5 / 7	Q3
10Y	—	—	—	—	—
Inception	+3.26%	+3.75%	-0.49	17 / 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	+1.49%	+0.91%	+0.58	14 / 26
2025	+4.12%	+4.81%	-0.68	17 / 26
2024	+3.84%	+5.21%	-1.36	17 / 26
2023	+3.73%	+4.62%	-0.89	17 / 26
2022	+2.16%	+2.33%	-0.17	14 / 26
2021	-0.55%	-0.09%	-0.45	4 / 9
2020	+3.60%	+3.56%	+0.04	4 / 7
2019	+5.30%	+4.94%	+0.36	4 / 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

+2.98%

81 windows

min -0.8% · max 7.5%

91% positive

3-Year rolling

+2.62%

57 windows

min 1.2% · max 4.2%

100% positive

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

5-Year rolling

+2.63%

32 windows

min 2.2% · max 3.1%

100% positive

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

7-Year rolling

+3.08%

8 windows

min 2.8% · max 3.3%

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

1.26%

3-year · annualised

Sharpe ratio

-2.30

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-1.15%

Jun 2025 → Jun 2025

% positive months

72.2%

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	₹1,276.4601
2 Jun 2026	₹1,276.4101
1 Jun 2026	₹1,275.9936
29 May 2026	₹1,275.1709
27 May 2026	₹1,274.0450
26 May 2026	₹1,273.6259
25 May 2026	₹1,273.7577
22 May 2026	₹1,272.8135
21 May 2026	₹1,272.4687
20 May 2026	₹1,273.6767

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 - Quarterly IDCW is ₹1,276.4601. 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 - Quarterly 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 - Quarterly 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 - Quarterly IDCW has delivered a absolute return of 2.45% — -0.06 pp behind the Floater Fund category average of 2.52%. The fund ranks #17 of 26 in its category — the third (Q3) quartile.

Over the trailing 3-year window, UTI Floater Fund - Regular Plan - Quarterly IDCW has delivered a CAGR of 3.64% — -0.85 pp behind the Floater Fund category average of 4.49%. The fund ranks #17 of 26 in its category — the third (Q3) quartile.

Over the trailing 5-year window, UTI Floater Fund - Regular Plan - Quarterly IDCW has delivered a CAGR of 3.10% — -0.65 pp behind the Floater Fund category average of 3.75%. The fund ranks #17 of 26 in its category — the third (Q3) quartile.

₹1 lakh invested in UTI Floater Fund - Regular Plan - Quarterly IDCW exactly 5 years ago would be worth approximately ₹116,505 today — a multiplier of 1.17×, based on the 5-year CAGR of 3.10%. 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 - Quarterly IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹656,954 today. That's an XIRR (money-weighted annualised return) of 3.58%.

UTI Floater Fund - Regular Plan - Quarterly IDCW doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹939,498 — XIRR 3.15%.

On a 5-year basis, UTI Floater Fund - Regular Plan - Quarterly IDCW ranks #17 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 3.10%.

The worst peak-to-trough decline UTI Floater Fund - Regular Plan - Quarterly IDCW has experienced over the last 5-year window is 1.15% — 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 - Regular Plan - Quarterly IDCW averaged 2.63% (best 3.12%, worst 2.22%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -2.73 — negative risk-adjusted performance.

In calendar year 2025, UTI Floater Fund - Regular Plan - Quarterly IDCW returned 4.12% — lagging the Floater Fund category average of 4.81% by 0.68 pp. It ranked #17 of 26 in its category that year.

UTI Floater Fund - Regular Plan - Quarterly 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 - Quarterly 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: 1.1%. 5-year CAGR: 3.10%.

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

UTI Floater Fund - Regular Plan - Quarterly 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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