Should I invest in UTI - FLOATING RATE STP?

We don't give personal investment advice. UTI - FLOATING RATE STP-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: 1.9%. 5-year CAGR: 5.43%.

UTI

UTI - FLOATING RATE STP-DIVIDEND

Unit split applied to historical metrics

This scheme had a 100× unit consolidation on 13 Apr 2006. Returns, SIP simulations and risk metrics on this page are split-adjusted — they reflect what a real investor's portfolio experienced (a consolidation doesn't change portfolio value, only the unit count and per-unit NAV).

Latest NAV

₹1,410.4239

As of

3 Jun 2026

5,100 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	+0.02%	+0.01%	+0.01	12 / 41	Q2
1W	+0.18%	+0.13%	+0.05	13 / 41	Q2
2W	+0.18%	+0.13%	+0.05	8 / 40	Q1
1M	+0.28%	+0.20%	+0.08	9 / 40	Q1
3M	+1.28%	+0.76%	+0.52	10 / 41	Q1
6M	+2.55%	+1.24%	+1.32	11 / 41	Q2
YTD	+2.12%	+1.17%	+0.95	9 / 41	Q1
1Y	+4.33%	-6.85%	+11.19	14 / 45	Q2
2Y	+5.81%	-7.29%	+13.10	12 / 43	Q2
3Y	+6.18%	+1.84%	+4.34	10 / 36	Q2
4Y	+6.12%	+1.91%	+4.21	7 / 31	Q1
5Y	+5.43%	+1.84%	+3.60	8 / 30	Q2
7Y	+3.84%	+1.81%	+2.04	9 / 30	Q2
10Y	+2.40%	+2.19%	+0.21	8 / 20	Q2
Inception	+1.66%	-7.05%	+8.71	14 / 45	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	+2.12%	+0.64%	+1.49	4 / 28
2025	+5.35%	+2.08%	+3.27	8 / 28
2024	+7.15%	+2.04%	+5.10	6 / 29
2023	+6.73%	+2.06%	+4.68	6 / 29
2022	+4.22%	+1.21%	+3.01	7 / 31
2021	+1.48%	-10.85%	+12.33	8 / 34
2020	+0.00%	-0.52%	+0.52	26 / 35
2019	-2.75%	+1.34%	-4.10	34 / 35
2018	+0.03%	+2.74%	-2.71	19 / 27
2017	-0.06%	+2.51%	-2.57	23 / 26
2016	-0.05%	+3.00%	-3.05	16 / 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

+1.67%

234 windows

min -3.4% · max 7.5%

76% positive

3-Year rolling

+1.42%

210 windows

min -1.2% · max 6.9%

70% positive

5-Year rolling

+1.11%

185 windows

min -0.7% · max 5.4%

74% positive

7-Year rolling

+0.88%

161 windows

min -0.4% · max 3.8%

77% 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

0.79%

3-year · annualised

Sharpe ratio

-0.61

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-1.16%

Nov 2025 → Nov 2025

% positive months

97.2%

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	3 Jun 2026
NIPPON INDIA ULTRA SHORT DURATION FUND - DAILY IDCW OPTION	Nippon India	₹1,114.1500	3 Jun 2026
MAGNUM INSTA CASH FUND - DAILY DIVIDEND	SBI	₹2,371.0627	3 Jun 2026
ICICI Prudential Ultra Short Term Fund - Daily IDCW	ICICI Prudential	₹10.0696	3 Jun 2026
Franklin India Ultra Short Duration Fund - IDCW	Franklin India	₹10.6803	3 Jun 2026
Kotak Floater Long-Term-Growth	Kotak Mahindra	₹45.1033	3 Jun 2026
UTI - FLOATING RATE STP - INSTN GROWTH OPTION	UTI	₹3,193.4301	3 Jun 2026
PGIM India Ultra Short Duration Fund - Daily Dividend	PGIM India	₹10.0203	3 Jun 2026
Birla Sun Life Savings Fund - Discipline Advantage Plan	Birla Sun Life	₹330.9646	3 Jun 2026
Sundaram Ultra Short Duration Fund (Formerly Known as Principal Ultra Short Term Fund) - Income Distribution CUM Capital Withdrawal Option (IDCW)	Sundaram	₹1,066.5205	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹1,410.4239
2 Jun 2026	₹1,410.1737
1 Jun 2026	₹1,409.8259
29 May 2026	₹1,408.8105
27 May 2026	₹1,407.8564
26 May 2026	₹1,407.5960
25 May 2026	₹1,407.7459
22 May 2026	₹1,407.0693
21 May 2026	₹1,406.9199
20 May 2026	₹1,407.4063

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 - FLOATING RATE STP-DIVIDEND is ₹1,410.4239. 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-DIVIDEND has NAV history starting from 01 Apr 2006, a track record of about 20 years 2 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-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-DIVIDEND has delivered a absolute return of 4.33% — +11.19 pp ahead of the Ultra Short Duration Fund category average of -6.85%. The fund ranks #14 of 45 in its category — the second (Q2) quartile.

Over the trailing 3-year window, UTI - FLOATING RATE STP-DIVIDEND has delivered a CAGR of 6.18% — +4.34 pp ahead of the Ultra Short Duration Fund category average of 1.84%. The fund ranks #10 of 36 in its category — the second (Q2) quartile.

Over the trailing 5-year window, UTI - FLOATING RATE STP-DIVIDEND has delivered a CAGR of 5.43% — +3.6 pp ahead of the Ultra Short Duration Fund category average of 1.84%. The fund ranks #8 of 30 in its category — the second (Q2) quartile.

₹1 lakh invested in UTI - FLOATING RATE STP-DIVIDEND exactly 10 years ago would be worth approximately ₹126,725 today — a multiplier of 1.27×, based on the 10-year CAGR of 2.40%. The category average over the same window would have grown ₹1 lakh to ₹124,194.

A ₹10,000 monthly SIP in UTI - FLOATING RATE STP-DIVIDEND over the last 5 years — total invested ₹600,000 — would be worth ₹695,386 today. That's an XIRR (money-weighted annualised return) of 5.84%.

A ₹10,000 monthly SIP for 10 years in UTI - FLOATING RATE STP-DIVIDEND = ₹1,200,000 invested. It would currently be worth ₹1,463,780 (multiplier 1.22×). XIRR: 3.89%. 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-DIVIDEND ranks #8 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 5.43%.

The worst peak-to-trough decline UTI - FLOATING RATE STP-DIVIDEND has experienced over the last 5-year window is 1.85% — its NAV fell from a high on 05 Oct 2021 to a low on 13 Oct 2021. 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-DIVIDEND averaged 1.11% (best 5.43%, worst -0.72%). 74% of rolling windows ended positive. The 5-year Sharpe ratio is -0.78 — negative risk-adjusted performance.

In calendar year 2025, UTI - FLOATING RATE STP-DIVIDEND returned 5.35% — beating the Ultra Short Duration Fund category average of 2.08% by 3.27 pp. It ranked #8 of 28 in its category that year.

UTI - FLOATING RATE STP-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-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: 1.9%. 5-year CAGR: 5.43%.

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