Should I invest in UTI Low Duration Fund - Bonus Option?

We don't give personal investment advice. UTI Low Duration Fund - Direct Plan - Bonus 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: 12.0%. 5-year CAGR: 5.13%.

UTI

UTI Low Duration Fund - Direct Plan - Bonus Option

Latest NAV

₹2,199.7192

As of

1 Mar 2021

1,672 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	+0.00%	+0.02%	-0.02	79 / 87	Q4
1W	+0.04%	-4.24%	+4.28	82 / 91	Q4
2W	+0.15%	-2.10%	+2.25	48 / 89	Q3
1M	+0.25%	-2.19%	+2.44	9 / 87	Q1
3M	+0.63%	-2.06%	+2.69	29 / 87	Q2
6M	+2.05%	-1.60%	+3.65	27 / 86	Q2
YTD	+0.32%	-1.70%	+2.02	34 / 86	Q2
1Y	+6.41%	-0.19%	+6.59	5 / 86	Q1
2Y	+1.13%	+2.47%	-1.34	29 / 81	Q2
3Y	+3.26%	+2.22%	+1.03	25 / 76	Q2
4Y	+4.13%	+2.25%	+1.88	24 / 73	Q2
5Y	+5.13%	+2.13%	+3.00	19 / 69	Q2
7Y	+6.14%	+2.14%	+4.01	11 / 69	Q1
10Y	—	—	—	—	—
Inception	+6.35%	+1.88%	+4.47	8 / 86	Q1

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
2021 YTD	+0.32%	+1.54%	-1.21	26 / 69
2020	+7.33%	+3.37%	+3.96	11 / 69
2019	-3.98%	-1.02%	-2.96	57 / 69
2018	+7.37%	+1.75%	+5.62	7 / 65
2017	+7.17%	+2.28%	+4.89	5 / 62
2016	+9.05%	+2.32%	+6.73	4 / 61
2015	+8.88%	+3.51%	+5.37	1 / 3
2014	—	—	—	—
2013	—	—	—	—

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

+6.16%

74 windows

min -5.2% · max 9.5%

84% positive

3-Year rolling

+6.18%

50 windows

min 3.1% · max 9.3%

100% positive

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

5-Year rolling

+5.97%

26 windows

min 5.1% · max 8.5%

100% positive

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

7-Year rolling

+6.47%

1 window

min 6.5% · max 6.5%

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

6.35%

3-year · annualised

Sharpe ratio

-0.48

vs risk-free 6.5%

Sortino ratio

-0.51

Downside-only deviation

Max drawdown

-12.00%

Jun 2019 → Jun 2019

% 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 Low Duration Fund

Scheme	Fund house	NAV	As of
HDFC Low Duration Fund - Direct Plan - Daily IDCW	HDFC	₹10.0655	3 Jun 2026
NIPPON INDIA LOW DURATION FUND - DIRECT Plan - DAILY IDCW Option	Nippon India	₹1,012.2892	3 Jun 2026
SBI Low Duration Fund - Direct Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹1,473.8948	3 Jun 2026
ICICI Prudential Savings Fund - Direct Plan - Daily IDCW	ICICI Prudential	₹105.7358	3 Jun 2026
Invesco India Low Duration Fund - Direct Plan - Discretionary IDCW (Payout / Reinvestment)	Invesco	₹4,153.7681	3 Jun 2026
BANDHAN Low Duration Fund-Direct Plan-Daily IDCW	Bandhan	₹10.1108	3 Jun 2026
Aditya Birla Sun Life Low Duration Fund -Direct - daily IDCW	Aditya Birla Sun Life	₹100.0001	3 Jun 2026
Franklin India Low Duration Fund-Direct-IDCW	Franklin India	₹10.5878	3 Jun 2026
Mirae Asset Low Duration Fund - Direct Plan - Daily IDCW	Mirae Asset	₹1,208.9337	3 Jun 2026
Kotak Low Duration Fund - Direct Plan - Monthly - Reinvestment & Payout of Income Distribution cum Capital Withdrawal Option	Kotak	₹1,000.2840	3 Jun 2026

Recent NAVs

Date	NAV
1 Mar 2021	₹2,199.7192
26 Feb 2021	₹2,199.1713
25 Feb 2021	₹2,199.0814
24 Feb 2021	₹2,198.8366
23 Feb 2021	₹2,198.5369
22 Feb 2021	₹2,198.7475
18 Feb 2021	₹2,198.2544
17 Feb 2021	₹2,197.5456
16 Feb 2021	₹2,197.2665
15 Feb 2021	₹2,196.4233

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 01 Mar 2021, the NAV of UTI Low Duration Fund - Direct Plan - Bonus Option is ₹2,199.7192. It's a Low Duration Fund from UTI, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

UTI Low Duration Fund - Direct Plan - Bonus Option has NAV history starting from 27 Nov 2013, a track record of about 12 years 6 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 Low Duration Fund - Direct Plan - Bonus Option is managed by UTI. It's classified by AMFI under the 'Low Duration Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, UTI Low Duration Fund - Direct Plan - Bonus Option has delivered a absolute return of 6.41% — +6.59 pp ahead of the Low Duration Fund category average of -0.19%. The fund ranks #5 of 86 in its category — the top (Q1) quartile.

Over the trailing 3-year window, UTI Low Duration Fund - Direct Plan - Bonus Option has delivered a CAGR of 3.26% — +1.03 pp ahead of the Low Duration Fund category average of 2.22%. The fund ranks #25 of 76 in its category — the second (Q2) quartile.

Over the trailing 5-year window, UTI Low Duration Fund - Direct Plan - Bonus Option has delivered a CAGR of 5.13% — +3 pp ahead of the Low Duration Fund category average of 2.13%. The fund ranks #19 of 69 in its category — the second (Q2) quartile.

₹1 lakh invested in UTI Low Duration Fund - Direct Plan - Bonus Option exactly 5 years ago would be worth approximately ₹128,429 today — a multiplier of 1.28×, based on the 5-year CAGR of 5.13%. The category average over the same window would have grown ₹1 lakh to ₹111,103.

A ₹10,000 monthly SIP in UTI Low Duration Fund - Direct Plan - Bonus Option over the last 5 years — total invested ₹600,000 — would be worth ₹663,415 today. That's an XIRR (money-weighted annualised return) of 3.97%.

UTI Low Duration Fund - Direct Plan - Bonus Option doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹984,910 — XIRR 4.88%.

On a 5-year basis, UTI Low Duration Fund - Direct Plan - Bonus Option ranks #19 out of 69 funds in the Low Duration Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 2.13%; this fund delivered 5.13%.

The worst peak-to-trough decline UTI Low Duration Fund - Direct Plan - Bonus Option has experienced over the last 5-year window is 12.00% — its NAV fell from a high on 03 Jun 2019 to a low on 07 Jun 2019. 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 Low Duration Fund - Direct Plan - Bonus Option averaged 5.97% (best 8.46%, worst 5.13%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.27 — negative risk-adjusted performance.

In calendar year 2020, UTI Low Duration Fund - Direct Plan - Bonus Option returned 7.33% — beating the Low Duration Fund category average of 3.37% by 3.96 pp. It ranked #11 of 69 in its category that year.

UTI Low Duration Fund - Direct Plan - Bonus 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 Low Duration Fund - Direct Plan - Bonus 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: 12.0%. 5-year CAGR: 5.13%.

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

UTI Low Duration Fund - Direct Plan - Bonus Option

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Low Duration Fund

Recent NAVs

Frequently asked questions

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