Should I invest in UTI Low Duration Fund - Quarterly IDCW?

We don't give personal investment advice. UTI Low Duration Fund - Regular Plan - Quarterly 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: 0.8%. 5-year CAGR: 4.79%.

UTI

UTI Low Duration Fund - Regular Plan - Quarterly IDCW

Latest NAV

₹1,441.9078

As of

17 Jul 2026

3,409 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%	-0.08%	+0.13	16 / 42	Q2
1W	+0.08%	-0.12%	+0.20	9 / 42	Q1
2W	+0.08%	-0.15%	+0.23	8 / 42	Q1
1M	+0.65%	+0.03%	+0.62	6 / 42	Q1
3M	+1.20%	+0.29%	+0.92	13 / 42	Q2
6M	+2.50%	+0.63%	+1.87	11 / 41	Q2
YTD	+2.50%	+0.56%	+1.94	10 / 41	Q1
1Y	+3.98%	+1.52%	+2.47	12 / 41	Q2
2Y	+4.70%	+1.98%	+2.72	10 / 39	Q2
3Y	+4.60%	+2.01%	+2.59	10 / 38	Q2
4Y	+4.42%	+1.90%	+2.51	10 / 34	Q2
5Y	+4.79%	+1.94%	+2.85	8 / 31	Q2
7Y	+4.53%	+1.88%	+2.65	6 / 31	Q1
10Y	+2.68%	+1.80%	+0.88	7 / 24	Q2
Inception	+2.45%	+2.53%	-0.08	11 / 42	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	+2.50%	+0.47%	+2.04	9 / 35
2025	+4.72%	+2.13%	+2.60	10 / 35
2024	+4.77%	+2.19%	+2.58	10 / 36
2023	+4.33%	+1.84%	+2.49	9 / 36
2022	+2.57%	+1.18%	+1.39	8 / 31
2021	+4.77%	+0.67%	+4.10	2 / 28
2020	+4.46%	+3.17%	+1.28	10 / 31
2019	-5.86%	-0.92%	-4.95	25 / 31
2018	+3.09%	+2.21%	+0.88	9 / 28
2017	+0.57%	+1.81%	-1.24	10 / 25
2016	+1.76%	+2.00%	-0.24	7 / 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

+2.56%

160 windows

min -8.3% · max 8.4%

91% positive

3-Year rolling

+2.31%

139 windows

min -2.0% · max 5.4%

89% positive

5-Year rolling

+2.08%

114 windows

min -0.6% · max 4.8%

96% positive

7-Year rolling

+1.88%

90 windows

min 0.8% · max 4.6%

100% 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

1.03%

3-year · annualised

Sharpe ratio

-1.92

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.82%

Jun 2025 → Jun 2025

% positive months

75.0%

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	₹13.6178	17 Jul 2026
Aditya Birla Sun Life Low Duration Fund -Regular - DAILY IDCW	Aditya Birla Sun Life	₹99.9879	17 Jul 2026
Mirae Asset Low Duration Fund - Regular Plan - Quarterly IDCW	Mirae Asset	₹1,001.1851	17 Jul 2026
Kotak Low Duration Fund- Regular Plan-Standard Income Distribution cum capital withdrawal option	Kotak	₹1,267.8923	17 Jul 2026
Edelweiss Low Duration Fund - Regular Plan IDCW Payout	Edelweiss	₹1,083.4106	17 Jul 2026
DSP Low Duration Fund - Regular Plan - IDCW - Daily	DSP	₹10.1813	17 Jul 2026
HSBC Low Duration Fund - Regular Annual IDCW	HSBC	₹10.3418	17 Jul 2026
BARODA BNP PARIBAS LOW DURATION FUND - Regular Plan - DAILY IDCW OPTION	Baroda BNP Paribas	₹10.0604	17 Jul 2026
CANARA ROBECO SAVINGS FUND - REGULAR PLAN - MONTHLY IDCW (Payout/Reinvestment)	Canara Robeco	₹10.3068	17 Jul 2026
UTI Low Duration Fund - Regular Plan - Flexi IDCW	UTI	₹1,439.2649	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹1,441.9078
16 Jul 2026	₹1,441.2255
15 Jul 2026	₹1,440.5129
14 Jul 2026	₹1,440.2537
13 Jul 2026	₹1,441.2208
10 Jul 2026	₹1,440.7354
9 Jul 2026	₹1,440.1494
8 Jul 2026	₹1,439.4660
7 Jul 2026	₹1,440.7452
6 Jul 2026	₹1,441.1801

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 - Regular Plan - Quarterly IDCW is ₹1,441.9078. 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 - Quarterly IDCW has NAV history starting from 20 Jun 2011, a track record of about 15 years. 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 - Quarterly 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 - Quarterly IDCW has delivered a absolute return of 3.98% — +2.47 pp ahead of the Low Duration Fund category average of 1.52%. The fund ranks #12 of 41 in its category — the second (Q2) quartile.

Over the trailing 3-year window, UTI Low Duration Fund - Regular Plan - Quarterly IDCW has delivered a CAGR of 4.60% — +2.59 pp ahead of the Low Duration Fund category average of 2.01%. The fund ranks #10 of 38 in its category — the second (Q2) quartile.

Over the trailing 5-year window, UTI Low Duration Fund - Regular Plan - Quarterly IDCW has delivered a CAGR of 4.79% — +2.85 pp ahead of the Low Duration Fund category average of 1.94%. The fund ranks #8 of 31 in its category — the second (Q2) quartile.

₹1 lakh invested in UTI Low Duration Fund - Regular Plan - Quarterly IDCW exactly 10 years ago would be worth approximately ₹130,237 today — a multiplier of 1.30×, based on the 10-year CAGR of 2.68%. The category average over the same window would have grown ₹1 lakh to ₹119,533.

A ₹10,000 monthly SIP in UTI Low Duration Fund - Regular Plan - Quarterly IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹671,712 today. That's an XIRR (money-weighted annualised return) of 4.46%.

A ₹10,000 monthly SIP for 10 years in UTI Low Duration Fund - Regular Plan - Quarterly IDCW = ₹1,200,000 invested. It would currently be worth ₹1,438,367 (multiplier 1.20×). XIRR: 3.55%. 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 - Quarterly IDCW ranks #8 out of 31 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 1.94%; this fund delivered 4.79%.

The worst peak-to-trough decline UTI Low Duration Fund - Regular Plan - Quarterly IDCW has experienced over the last 5-year window is 0.85% — its NAV fell from a high on 22 Sep 2021 to a low on 24 Sep 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 Low Duration Fund - Regular Plan - Quarterly IDCW averaged 2.08% (best 4.79%, worst -0.62%). 96% of rolling windows ended positive. The 5-year Sharpe ratio is -0.89 — negative risk-adjusted performance.

In calendar year 2025, UTI Low Duration Fund - Regular Plan - Quarterly IDCW returned 4.72% — beating the Low Duration Fund category average of 2.12% by 2.60 pp. It ranked #10 of 35 in its category that year.

UTI Low Duration Fund - Regular Plan - Quarterly 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 - Quarterly 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: 0.8%. 5-year CAGR: 4.79%.

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