Should I invest in UTI Low Duration Fund - Daily IDCW (Reinvestment)?

We don't give personal investment advice. UTI Low Duration Fund - Regular Plan - Daily IDCW (Reinvestment) 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: 7.38%.

UTI

UTI Low Duration Fund - Regular Plan - Daily IDCW (Reinvestment)

Latest NAV

₹1,459.8710

As of

24 Jul 2026

4,648 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%	0.00%	+0.03	6 / 24	Q1
1W	+0.10%	0.00%	+0.10	7 / 24	Q2
2W	+0.18%	+0.09%	+0.09	7 / 24	Q2
1M	+0.57%	+0.30%	+0.26	7 / 24	Q2
3M	+1.63%	+0.86%	+0.77	3 / 24	Q1
6M	+3.24%	+1.69%	+1.55	3 / 24	Q1
YTD	+3.33%	+1.72%	+1.61	3 / 24	Q1
1Y	+6.01%	+3.19%	+2.82	3 / 24	Q1
2Y	+7.15%	+4.01%	+3.14	2 / 24	Q1
3Y	+7.16%	+3.98%	+3.18	2 / 24	Q1
4Y	+7.04%	+3.87%	+3.17	2 / 24	Q1
5Y	+7.38%	+3.69%	+3.69	5 / 24	Q1
7Y	+7.12%	+3.57%	+3.54	3 / 24	Q1
10Y	+3.82%	+2.86%	+0.96	8 / 24	Q2
Inception	+1.99%	+2.54%	-0.56	10 / 23	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	+3.33%	+1.84%	+1.49	3 / 23
2025	+7.52%	+4.48%	+3.04	2 / 23
2024	+7.63%	+4.47%	+3.16	3 / 23
2023	+7.13%	+3.97%	+3.16	3 / 23
2022	+4.48%	+2.48%	+2.00	3 / 23
2021	+8.92%	+3.17%	+5.75	4 / 23
2020	+7.24%	+3.80%	+3.45	6 / 24
2019	-7.00%	+0.37%	-7.37	23 / 24
2018	+0.00%	+2.13%	-2.13	21 / 24
2017	-0.09%	+1.82%	-1.90	18 / 24
2016	+0.03%	+2.57%	-2.53	19 / 24

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

+2.02%

223 windows

min -10.7% · max 9.3%

54% positive

3-Year rolling

+1.79%

198 windows

min -3.7% · max 7.6%

76% positive

5-Year rolling

+1.54%

174 windows

min -2.2% · max 7.4%

80% positive

7-Year rolling

+1.18%

150 windows

min -1.6% · max 7.1%

87% 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

0.66%

3-year · annualised

Sharpe ratio

0.68

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
SBI Short Horizon Debt Fund - Ultra Short Term Fund - Institutional Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹1,444.5908	24 Jul 2026
Mirae Asset Low Duration Fund - Regular Plan - Daily IDCW	Mirae Asset	₹1,005.1646	24 Jul 2026
UTI Low Duration Fund - Regular Plan - Bonus Option	UTI	₹3,165.7316	24 Jul 2026
Invesco India Low Duration Fund - Daily IDCW (Reinvestment)	Religare	₹1,017.9524	24 Jul 2026
NIPPON INDIA LOW DURATION FUND - DAILY IDCW Option	Reliance	₹1,012.2377	24 Jul 2026
Birla Sun Life Cash Manager-Plan A(Institutional Daily Dividend)	Birla Sun Life	₹100.0000	19 Jun 2026

Recent NAVs

Date	NAV
24 Jul 2026	₹1,459.8710
23 Jul 2026	₹1,459.5204
22 Jul 2026	₹1,459.2568
21 Jul 2026	₹1,459.3239
20 Jul 2026	₹1,458.7180
17 Jul 2026	₹1,458.4814
16 Jul 2026	₹1,457.7912
15 Jul 2026	₹1,457.0704
14 Jul 2026	₹1,456.8083
13 Jul 2026	₹1,457.7865

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 24 Jul 2026, the NAV of UTI Low Duration Fund - Regular Plan - Daily IDCW (Reinvestment) is ₹1,459.8710. It's a Low Duration Fund from UTI, run as a Institutional plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

UTI Low Duration Fund - Regular Plan - Daily IDCW (Reinvestment) has NAV history starting from 04 May 2007, a track record of about 19 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 Low Duration Fund - Regular Plan - Daily IDCW (Reinvestment) 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 - Regular Plan - Daily IDCW (Reinvestment) has delivered a absolute return of 6.01% — +2.82 pp ahead of the Low Duration Fund category average of 3.19%. The fund ranks #3 of 24 in its category — the top (Q1) quartile.

Over the trailing 3-year window, UTI Low Duration Fund - Regular Plan - Daily IDCW (Reinvestment) has delivered a CAGR of 7.16% — +3.18 pp ahead of the Low Duration Fund category average of 3.98%. The fund ranks #2 of 24 in its category — the top (Q1) quartile.

Over the trailing 5-year window, UTI Low Duration Fund - Regular Plan - Daily IDCW (Reinvestment) has delivered a CAGR of 7.38% — +3.69 pp ahead of the Low Duration Fund category average of 3.69%. The fund ranks #5 of 24 in its category — the top (Q1) quartile.

₹1 lakh invested in UTI Low Duration Fund - Regular Plan - Daily IDCW (Reinvestment) exactly 10 years ago would be worth approximately ₹145,478 today — a multiplier of 1.45×, based on the 10-year CAGR of 3.82%. The category average over the same window would have grown ₹1 lakh to ₹132,629.

A ₹10,000 monthly SIP in UTI Low Duration Fund - Regular Plan - Daily IDCW (Reinvestment) over the last 5 years — total invested ₹600,000 — would be worth ₹716,004 today. That's an XIRR (money-weighted annualised return) of 7.00%.

A ₹10,000 monthly SIP for 10 years in UTI Low Duration Fund - Regular Plan - Daily IDCW (Reinvestment) = ₹1,200,000 invested. It would currently be worth ₹1,604,665 (multiplier 1.34×). XIRR: 5.67%. 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 - Regular Plan - Daily IDCW (Reinvestment) ranks #5 out of 24 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 3.69%; this fund delivered 7.38%.

The worst peak-to-trough decline UTI Low Duration Fund - Regular Plan - Daily IDCW (Reinvestment) has experienced over the last 5-year window is 0.36% — its NAV fell from a high on 02 May 2022 to a low on 06 May 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 - Regular Plan - Daily IDCW (Reinvestment) averaged 1.54% (best 7.38%, worst -2.23%). 80% of rolling windows ended positive. The 5-year Sharpe ratio is 0.44 — weak risk-adjusted performance.

In calendar year 2025, UTI Low Duration Fund - Regular Plan - Daily IDCW (Reinvestment) returned 7.52% — beating the Low Duration Fund category average of 4.48% by 3.04 pp. It ranked #2 of 23 in its category that year.

UTI Low Duration Fund - Regular Plan - Daily IDCW (Reinvestment) 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 - Regular Plan - Daily IDCW (Reinvestment) 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: 7.38%.

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