Should I invest in UTI - FLOATING RATE STP-DAILY DIVIDEND?

We don't give personal investment advice. UTI - FLOATING RATE STP-DAILY DIVIDEND 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: 0.4%. 5-year CAGR: 0.07%.

UTI

UTI - FLOATING RATE STP-DAILY DIVIDEND

Latest NAV

₹1,050.0578

As of

17 Jul 2026

4,335 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	+0.04%	+0.03%	+0.01	22 / 42	Q3
1W	+0.03%	+0.07%	-0.05	31 / 42	Q3
2W	-0.07%	+0.08%	-0.15	34 / 41	Q4
1M	+0.22%	+0.22%	+0.00	18 / 40	Q2
3M	+0.12%	+0.79%	-0.66	18 / 41	Q2
6M	+0.34%	+1.43%	-1.09	19 / 41	Q2
YTD	+0.20%	+1.39%	-1.19	22 / 41	Q3
1Y	+0.33%	+2.34%	-2.01	20 / 41	Q2
2Y	+0.19%	+2.30%	-2.11	19 / 40	Q2
3Y	+0.12%	+1.87%	-1.74	16 / 36	Q2
4Y	+0.09%	+1.94%	-1.85	15 / 31	Q2
5Y	+0.07%	+1.84%	-1.76	13 / 30	Q2
7Y	+0.06%	+1.81%	-1.74	20 / 30	Q3
10Y	-0.25%	+2.21%	-2.46	20 / 20	Q4
Inception	+0.27%	+1.97%	-1.70	22 / 42	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	+0.20%	+0.95%	-0.75	14 / 28
2025	+0.17%	+2.08%	-1.91	15 / 28
2024	+0.00%	+2.04%	-2.04	19 / 29
2023	+0.00%	+2.06%	-2.06	19 / 29
2022	+0.00%	+1.21%	-1.21	23 / 31
2021	+0.00%	+1.04%	-1.04	17 / 30
2020	+0.00%	+1.89%	-1.89	28 / 31
2019	-2.85%	+1.34%	-4.20	35 / 35
2018	+0.00%	+2.74%	-2.74	22 / 27
2017	+0.00%	+2.51%	-2.51	17 / 26
2016	+0.00%	+3.00%	-3.00	14 / 18

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

+0.22%

207 windows

min -3.3% · max 2.4%

37% positive

3-Year rolling

+0.16%

183 windows

min -1.1% · max 1.8%

41% positive

5-Year rolling

+0.05%

159 windows

min -0.7% · max 1.5%

45% positive

7-Year rolling

-0.04%

134 windows

min -0.5% · max 1.0%

37% positive

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

0.33%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.41%

Aug 2025 → May 2026

% positive months

22.2%

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 Ultra Short Duration Fund

Scheme	Fund house	NAV	As of
HDFC Ultra Short Term Fund - Daily IDCW Option	HDFC	₹10.1030	17 Jul 2026
NIPPON INDIA ULTRA SHORT DURATION FUND - DAILY IDCW OPTION	Nippon India	₹1,114.1500	17 Jul 2026
MAGNUM INSTA CASH FUND - DAILY DIVIDEND	SBI	₹2,397.3330	17 Jul 2026
ICICI Prudential Ultra Short Term Fund - Daily IDCW	ICICI Prudential	₹10.0730	17 Jul 2026
Franklin India Ultra Short Duration Fund - IDCW	Franklin India	₹10.6628	17 Jul 2026
Kotak Floater Long-Term-Growth	Kotak Mahindra	₹45.6025	17 Jul 2026
UTI - FLOATING RATE STP - INSTN GROWTH OPTION	UTI	₹3,226.4587	17 Jul 2026
PGIM India Ultra Short Duration Fund - Daily Dividend	PGIM India	₹10.0203	17 Jul 2026
Birla Sun Life Savings Fund-Insititutional Plan- Daily Dividend	Birla Sun Life	₹100.0000	17 Jul 2026
Invesco India Ultra Short Duration Fund - Regular Plan - Weekly IDCW (Payout / Reinvestment)		₹1,146.1071	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹1,050.0578
16 Jul 2026	₹1,049.6476
15 Jul 2026	₹1,049.3101
14 Jul 2026	₹1,049.1483
13 Jul 2026	₹1,049.8099
10 Jul 2026	₹1,049.7575
9 Jul 2026	₹1,049.6198
8 Jul 2026	₹1,049.3275
7 Jul 2026	₹1,049.7939
6 Jul 2026	₹1,050.5337

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 - FLOATING RATE STP-DAILY DIVIDEND is ₹1,050.0578. It's a Ultra Short Duration Fund from UTI, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

UTI - FLOATING RATE STP-DAILY DIVIDEND has NAV history starting from 25 Jul 2008, a track record of about 17 years 11 months. Long-tenured funds like this have weathered multiple market cycles — the 2008 crash, 2013 taper tantrum, 2020 COVID drawdown — which makes their returns more credible than a 3-year track record alone.

UTI - FLOATING RATE STP-DAILY DIVIDEND is managed by UTI. It's classified by AMFI under the 'Ultra Short Duration Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, UTI - FLOATING RATE STP-DAILY DIVIDEND has delivered a absolute return of 0.33% — -2.01 pp behind the Ultra Short Duration Fund category average of 2.34%. The fund ranks #20 of 41 in its category — the second (Q2) quartile.

Over the trailing 3-year window, UTI - FLOATING RATE STP-DAILY DIVIDEND has delivered a CAGR of 0.12% — -1.74 pp behind the Ultra Short Duration Fund category average of 1.87%. The fund ranks #16 of 36 in its category — the second (Q2) quartile.

Over the trailing 5-year window, UTI - FLOATING RATE STP-DAILY DIVIDEND has delivered a CAGR of 0.07% — -1.76 pp behind the Ultra Short Duration Fund category average of 1.84%. The fund ranks #13 of 30 in its category — the second (Q2) quartile.

₹1 lakh invested in UTI - FLOATING RATE STP-DAILY DIVIDEND exactly 10 years ago would be worth approximately ₹97,509 today — a multiplier of 0.98×, based on the 10-year CAGR of -0.25%. The category average over the same window would have grown ₹1 lakh to ₹124,383.

A ₹10,000 monthly SIP in UTI - FLOATING RATE STP-DAILY DIVIDEND over the last 5 years — total invested ₹600,000 — would be worth ₹602,046 today. That's an XIRR (money-weighted annualised return) of 0.13%.

A ₹10,000 monthly SIP for 10 years in UTI - FLOATING RATE STP-DAILY DIVIDEND = ₹1,200,000 invested. It would currently be worth ₹1,194,428 (multiplier 1.00×). XIRR: -0.09%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, UTI - FLOATING RATE STP-DAILY DIVIDEND ranks #13 out of 30 funds in the Ultra Short Duration Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 1.84%; this fund delivered 0.07%.

The worst peak-to-trough decline UTI - FLOATING RATE STP-DAILY DIVIDEND has experienced over the last 5-year window is 0.41% — its NAV fell from a high on 21 Aug 2025 to a low on 21 May 2026. 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 - FLOATING RATE STP-DAILY DIVIDEND averaged 0.05% (best 1.49%, worst -0.67%). 45% of rolling windows ended positive.

In calendar year 2025, UTI - FLOATING RATE STP-DAILY DIVIDEND returned 0.17% — lagging the Ultra Short Duration Fund category average of 2.08% by 1.91 pp. It ranked #15 of 28 in its category that year.

UTI - FLOATING RATE STP-DAILY DIVIDEND 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 - FLOATING RATE STP-DAILY DIVIDEND 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: 0.4%. 5-year CAGR: 0.07%.

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