Should I invest in UTI Low Duration Fund - Half-Yearly IDCW?

We don't give personal investment advice. UTI Low Duration Fund - Direct 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: 2.6%. 5-year CAGR: 6.64%.

UTI

UTI Low Duration Fund - Direct Plan - Half-Yearly IDCW

Latest NAV

₹1,488.8830

As of

17 Jul 2026

2,293 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	+0.05%	0.00%	+0.05	34 / 87	Q2
1W	+0.08%	-0.01%	+0.09	29 / 87	Q2
2W	+0.08%	-0.06%	+0.14	11 / 87	Q1
1M	+0.66%	+0.06%	+0.60	13 / 87	Q1
3M	+1.59%	+0.44%	+1.15	14 / 85	Q1
6M	+3.28%	+1.05%	+2.23	15 / 84	Q1
YTD	+3.29%	+0.97%	+2.32	13 / 84	Q1
1Y	+6.15%	+2.29%	+3.86	14 / 84	Q1
2Y	+7.28%	+2.52%	+4.76	10 / 81	Q1
3Y	+7.27%	+2.27%	+5.00	11 / 76	Q1
4Y	+7.14%	+2.26%	+4.87	9 / 73	Q1
5Y	+6.64%	+2.18%	+4.46	6 / 69	Q1
7Y	+5.90%	+2.14%	+3.76	15 / 69	Q1
10Y	—	—	—	—	—
Inception	+3.50%	+1.91%	+1.60	18 / 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
2026 YTD	+3.29%	+0.86%	+2.43	11 / 75
2025	+7.63%	+2.26%	+5.37	4 / 73
2024	+7.71%	+2.19%	+5.52	12 / 76
2023	+7.24%	+2.09%	+5.15	12 / 76
2022	+1.88%	+1.51%	+0.37	24 / 73
2021	+4.63%	+1.54%	+3.09	7 / 69
2020	+5.36%	+3.37%	+1.99	25 / 69
2019	-8.30%	-1.02%	-7.28	64 / 69
2018	+2.61%	+1.75%	+0.86	17 / 65
2017	—	—	—	—
2016	—	—	—	—

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

+3.53%

104 windows

min -9.9% · max 8.8%

85% positive

3-Year rolling

+3.49%

81 windows

min -0.9% · max 7.6%

74% positive

5-Year rolling

+3.47%

56 windows

min 0.6% · max 6.6%

100% positive

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

7-Year rolling

+3.26%

32 windows

min 1.9% · max 5.9%

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

0.63%

3-year · annualised

Sharpe ratio

0.87

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.20%

May 2026 → May 2026

% 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 Low Duration Fund

Scheme	Fund house	NAV	As of
HDFC Low Duration Fund - Direct Plan - Daily IDCW	HDFC	₹10.0655	17 Jul 2026
NIPPON INDIA LOW DURATION FUND - DIRECT Plan - DAILY IDCW Option	Nippon India	₹1,012.3553	17 Jul 2026
SBI Low Duration Fund - Direct Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹1,492.8573	17 Jul 2026
ICICI Prudential Savings Fund - Direct Plan - Daily IDCW	ICICI Prudential	₹105.7358	17 Jul 2026
Invesco India Low Duration Fund - Direct Plan - Discretionary IDCW (Payout / Reinvestment)	Invesco	₹4,203.3146	17 Jul 2026
BANDHAN Low Duration Fund-Direct Plan-Daily IDCW	Bandhan	₹10.1111	17 Jul 2026
Aditya Birla Sun Life Low Duration Fund -Direct - daily IDCW	Aditya Birla Sun Life	₹100.0000	17 Jul 2026
Franklin India Low Duration Fund-Direct-IDCW	Franklin India	₹10.5950	17 Jul 2026
Mirae Asset Low Duration Fund - Direct Plan - Daily IDCW	Mirae Asset	₹1,208.9337	17 Jul 2026
Kotak Low Duration Fund - Direct Plan - Monthly - Reinvestment & Payout of Income Distribution cum Capital Withdrawal Option	Kotak	₹1,014.4328	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹1,488.8830
16 Jul 2026	₹1,488.1727
15 Jul 2026	₹1,487.4315
14 Jul 2026	₹1,487.1595
13 Jul 2026	₹1,488.1540
10 Jul 2026	₹1,487.6374
9 Jul 2026	₹1,487.0273
8 Jul 2026	₹1,486.3181
7 Jul 2026	₹1,487.6330
6 Jul 2026	₹1,488.0791

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 Low Duration Fund - Direct Plan - Half-Yearly IDCW is ₹1,488.8830. 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 - Half-Yearly IDCW has NAV history starting from 30 Dec 2014, a track record of about 11 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 - Half-Yearly IDCW 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 - Half-Yearly IDCW has delivered a absolute return of 6.15% — +3.86 pp ahead of the Low Duration Fund category average of 2.29%. The fund ranks #14 of 84 in its category — the top (Q1) quartile.

Over the trailing 3-year window, UTI Low Duration Fund - Direct Plan - Half-Yearly IDCW has delivered a CAGR of 7.27% — +5 pp ahead of the Low Duration Fund category average of 2.27%. The fund ranks #11 of 76 in its category — the top (Q1) quartile.

Over the trailing 5-year window, UTI Low Duration Fund - Direct Plan - Half-Yearly IDCW has delivered a CAGR of 6.64% — +4.46 pp ahead of the Low Duration Fund category average of 2.18%. The fund ranks #6 of 69 in its category — the top (Q1) quartile.

₹1 lakh invested in UTI Low Duration Fund - Direct Plan - Half-Yearly IDCW exactly 5 years ago would be worth approximately ₹137,881 today — a multiplier of 1.38×, based on the 5-year CAGR of 6.64%. The category average over the same window would have grown ₹1 lakh to ₹111,364.

A ₹10,000 monthly SIP in UTI Low Duration Fund - Direct Plan - Half-Yearly IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹714,579 today. That's an XIRR (money-weighted annualised return) of 6.92%.

A ₹10,000 monthly SIP for 10 years in UTI Low Duration Fund - Direct Plan - Half-Yearly IDCW = ₹1,140,000 invested. It would currently be worth ₹1,461,360 (multiplier 1.28×). XIRR: 5.11%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, UTI Low Duration Fund - Direct Plan - Half-Yearly IDCW ranks #6 out of 69 funds in the Low Duration Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 2.18%; this fund delivered 6.64%.

The worst peak-to-trough decline UTI Low Duration Fund - Direct Plan - Half-Yearly IDCW has experienced over the last 5-year window is 2.60% — its NAV fell from a high on 22 Mar 2022 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 Low Duration Fund - Direct Plan - Half-Yearly IDCW averaged 3.47% (best 6.64%, worst 0.61%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.02 — negative risk-adjusted performance.

In calendar year 2025, UTI Low Duration Fund - Direct Plan - Half-Yearly IDCW returned 7.63% — beating the Low Duration Fund category average of 2.26% by 5.37 pp. It ranked #4 of 73 in its category that year.

UTI Low Duration Fund - Direct 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 Low Duration Fund - Direct 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: 2.6%. 5-year CAGR: 6.64%.

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