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

We don't give personal investment advice. UTI Low Duration Fund - Regular 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: 0.4%. 5-year CAGR: 7.23%.

UTI

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

Latest NAV

₹1,475.4600

As of

3 Jun 2026

2,489 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	+0.03%	+0.00%	+0.03	21 / 42	Q2
1W	+0.21%	+0.14%	+0.07	13 / 42	Q2
2W	+0.18%	+0.14%	+0.04	16 / 42	Q2
1M	+0.18%	+0.16%	+0.02	14 / 42	Q2
3M	+1.06%	+0.03%	+1.03	5 / 42	Q1
6M	+2.36%	+0.41%	+1.94	4 / 41	Q1
YTD	+1.95%	+0.33%	+1.62	4 / 41	Q1
1Y	+5.66%	+1.48%	+4.19	4 / 41	Q1
2Y	+6.99%	+1.95%	+5.04	3 / 39	Q1
3Y	+7.04%	+1.95%	+5.08	1 / 38	Q1
4Y	+6.88%	+1.91%	+4.98	2 / 34	Q1
5Y	+7.23%	+1.88%	+5.35	1 / 31	Q1
7Y	+5.98%	+1.88%	+4.11	2 / 31	Q1
10Y	+3.67%	+1.85%	+1.83	5 / 25	Q1
Inception	+3.84%	+2.56%	+1.28	6 / 42	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	+1.95%	+0.20%	+1.75	3 / 35
2025	+7.53%	+2.13%	+5.40	1 / 35
2024	+7.63%	+2.19%	+5.44	2 / 36
2023	+7.13%	+1.84%	+5.29	2 / 36
2022	+4.48%	+1.18%	+3.31	1 / 31
2021	+5.84%	+0.67%	+5.17	1 / 28
2020	+5.22%	+3.17%	+2.04	9 / 31
2019	-6.87%	-0.92%	-5.95	26 / 31
2018	+2.26%	+2.21%	+0.05	11 / 28
2017	+0.09%	+1.81%	-1.72	12 / 25
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

+3.75%

114 windows

min -9.7% · max 9.2%

85% positive

3-Year rolling

+3.46%

90 windows

min -2.8% · max 7.6%

74% positive

5-Year rolling

+3.60%

65 windows

min 0.0% · max 7.3%

100% positive

7-Year rolling

+3.39%

41 windows

min 2.2% · max 6.0%

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

0.53%

3-year · annualised

Sharpe ratio

0.61

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
BANDHAN Low Duration Fund - Regular Plan - Periodic IDCW	Bandhan	₹13.4485	3 Jun 2026
Aditya Birla Sun Life Low Duration Fund -Regular - DAILY IDCW	Aditya Birla Sun Life	₹100.0001	3 Jun 2026
Mirae Asset Low Duration Fund - Regular Plan - Quarterly IDCW	Mirae Asset	₹1,016.5220	3 Jun 2026
Kotak Low Duration Fund- Regular Plan-Standard Income Distribution cum capital withdrawal option	Kotak	₹1,251.5529	3 Jun 2026
Edelweiss Low Duration Fund - Regular Plan IDCW Payout	Edelweiss	₹1,071.2667	3 Jun 2026
DSP Low Duration Fund - Regular Plan - IDCW - Daily	DSP	₹10.1814	3 Jun 2026
HSBC Low Duration Fund - Regular Annual IDCW	HSBC	₹10.2200	3 Jun 2026
BARODA BNP PARIBAS LOW DURATION FUND - Regular Plan - DAILY IDCW OPTION	Baroda BNP Paribas	₹10.0604	3 Jun 2026
CANARA ROBECO SAVINGS FUND - REGULAR PLAN - MONTHLY IDCW (Payout/Reinvestment)	Canara Robeco	₹10.2803	3 Jun 2026
UTI Low Duration Fund - Regular Plan - Flexi IDCW	UTI	₹1,421.6197	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹1,475.4600
2 Jun 2026	₹1,475.2875
1 Jun 2026	₹1,474.8556
29 May 2026	₹1,473.7265
27 May 2026	₹1,472.6016
26 May 2026	₹1,472.1661
25 May 2026	₹1,472.2075
22 May 2026	₹1,471.3018
21 May 2026	₹1,471.0308
20 May 2026	₹1,472.2217

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 Low Duration Fund - Regular Plan - Half-Yearly IDCW is ₹1,475.4600. It's a Low Duration Fund from UTI, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

UTI Low Duration Fund - Regular Plan - Half-Yearly IDCW has NAV history starting from 12 Feb 2016, a track record of about 10 years 3 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 - Regular 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 - Regular Plan - Half-Yearly IDCW has delivered a absolute return of 5.66% — +4.19 pp ahead of the Low Duration Fund category average of 1.48%. The fund ranks #4 of 41 in its category — the top (Q1) quartile.

Over the trailing 3-year window, UTI Low Duration Fund - Regular Plan - Half-Yearly IDCW has delivered a CAGR of 7.04% — +5.08 pp ahead of the Low Duration Fund category average of 1.95%. The fund ranks #1 of 38 in its category — the top (Q1) quartile.

Over the trailing 5-year window, UTI Low Duration Fund - Regular Plan - Half-Yearly IDCW has delivered a CAGR of 7.23% — +5.35 pp ahead of the Low Duration Fund category average of 1.88%. The fund ranks #1 of 31 in its category — the top (Q1) quartile.

₹1 lakh invested in UTI Low Duration Fund - Regular Plan - Half-Yearly IDCW exactly 10 years ago would be worth approximately ₹143,453 today — a multiplier of 1.43×, based on the 10-year CAGR of 3.67%. The category average over the same window would have grown ₹1 lakh to ₹120,083.

A ₹10,000 monthly SIP in UTI Low Duration Fund - Regular Plan - Half-Yearly IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹713,573 today. That's an XIRR (money-weighted annualised return) of 6.86%.

A ₹10,000 monthly SIP for 10 years in UTI Low Duration Fund - Regular Plan - Half-Yearly IDCW = ₹1,200,000 invested. It would currently be worth ₹1,563,957 (multiplier 1.30×). XIRR: 5.17%. 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 - Half-Yearly IDCW ranks #1 out of 31 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 1.88%; this fund delivered 7.23%.

The worst peak-to-trough decline UTI Low Duration Fund - Regular Plan - Half-Yearly IDCW 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 - Half-Yearly IDCW averaged 3.60% (best 7.26%, worst 0.04%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.27 — weak risk-adjusted performance.

In calendar year 2025, UTI Low Duration Fund - Regular Plan - Half-Yearly IDCW returned 7.53% — beating the Low Duration Fund category average of 2.12% by 5.40 pp. It ranked #1 of 35 in its category that year.

UTI Low Duration Fund - Regular 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 - Regular 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: 0.4%. 5-year CAGR: 7.23%.

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