Should I invest in UTI Medium Duration Fund - Flexi IDCW?

We don't give personal investment advice. UTI Medium Duration Fund - Direct Plan - Flexi 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: 4.7%. 5-year CAGR: 6.17%.

UTI

UTI Medium Duration Fund - Direct Plan - Flexi IDCW

Latest NAV

₹16.0467

As of

29 Jun 2026

2,713 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%	-0.01%	+0.01	22 / 37	Q3
1W	+0.44%	-0.08%	+0.52	1 / 37	Q1
2W	+0.60%	-0.03%	+0.63	2 / 37	Q1
1M	+1.69%	+0.49%	+1.20	2 / 37	Q1
3M	+2.63%	+1.52%	+1.10	3 / 37	Q1
6M	+2.79%	+1.61%	+1.18	14 / 37	Q2
YTD	+2.76%	+1.65%	+1.11	15 / 37	Q2
1Y	+5.10%	+2.57%	+2.54	10 / 37	Q2
2Y	+7.24%	+3.46%	+3.78	9 / 37	Q1
3Y	+7.18%	+3.33%	+3.85	9 / 37	Q1
4Y	+7.19%	+3.53%	+3.66	8 / 35	Q1
5Y	+6.17%	+3.21%	+2.97	10 / 35	Q2
7Y	+5.07%	+2.22%	+2.85	4 / 31	Q1
10Y	+4.23%	+2.19%	+2.03	4 / 28	Q1
Inception	+4.29%	+2.46%	+1.83	7 / 34	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	+2.76%	+1.35%	+1.42	13 / 30
2025	+7.21%	+3.23%	+3.98	11 / 32
2024	+8.34%	+3.99%	+4.34	10 / 32
2023	+7.03%	+3.16%	+3.87	10 / 32
2022	-0.27%	+2.38%	-2.65	24 / 33
2021	+5.52%	+3.13%	+2.39	8 / 32
2020	+0.50%	-0.27%	+0.77	16 / 33
2019	+3.37%	+0.77%	+2.60	9 / 32
2018	+0.56%	+1.73%	-1.17	20 / 32
2017	+0.97%	+1.25%	-0.28	12 / 32
2016	+5.54%	+4.35%	+1.19	12 / 31

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

+4.06%

125 windows

min -1.2% · max 10.2%

90% positive

3-Year rolling

+3.66%

101 windows

min 0.8% · max 8.1%

100% positive

5-Year rolling

+3.43%

76 windows

min 1.5% · max 6.2%

100% positive

7-Year rolling

+3.44%

52 windows

min 2.2% · max 5.1%

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

1.62%

3-year · annualised

Sharpe ratio

0.27

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.98%

Mar 2026 → Apr 2026

% positive months

91.7%

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 Medium Duration Fund

Scheme	Fund house	NAV	As of
HDFC Medium Term Debt Fund - Fortnightly IDCW Opt - Direct Plan	HDFC	₹10.0961	17 Jul 2026
NIPPON INDIA MEDIUM DURATION FUND - SEGREGATED PORTFOLIO 2 - DIRECT Plan - IDCW Option	Nippon India	₹0.0000	17 Jul 2026
SBI Medium Duration Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹23.0244	17 Jul 2026
ICICI Prudential Medium Term Bond Fund - Direct Plan - Quarterly IDCW	ICICI Prudential	₹11.5797	17 Jul 2026
Invesco India Medium Duration Fund - Direct Plan - Discretionary IDCW (Payout/Reinvestment)	Invesco	₹1,354.2957	17 Jul 2026
Bandhan Medium Duration Fund - Direct Plan - Bi Monthly IDCW	Bandhan	₹10.8072	17 Jul 2026
Aditya Birla Sun Life Medium Term Plan - DIRECT - HALF YEARLY IDCW	Aditya Birla Sun Life	₹15.0384	17 Jul 2026
Kotak Medium Term Fund - Direct - Standard Income Distribution cum capital withdrawal option	Kotak	₹27.3978	17 Jul 2026
DSP Bond Fund - Direct Plan - IDCW	DSP	₹11.7835	17 Jul 2026
HSBC Medium Duration Fund - Direct Annual IDCW	HSBC	₹11.6635	17 Jul 2026

Recent NAVs

Date	NAV
29 Jun 2026	₹16.0467
25 Jun 2026	₹16.0285
24 Jun 2026	₹16.0107
23 Jun 2026	₹15.9860
22 Jun 2026	₹15.9763
19 Jun 2026	₹15.9697
18 Jun 2026	₹15.9676
17 Jun 2026	₹15.9566
16 Jun 2026	₹15.9558
15 Jun 2026	₹15.9511

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 29 Jun 2026, the NAV of UTI Medium Duration Fund - Direct Plan - Flexi IDCW is ₹16.0467. It's a Medium Duration Fund from UTI, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

UTI Medium Duration Fund - Direct Plan - Flexi IDCW has NAV history starting from 09 Apr 2015, a track record of about 11 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 Medium Duration Fund - Direct Plan - Flexi IDCW is managed by UTI. It's classified by AMFI under the 'Medium Duration Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, UTI Medium Duration Fund - Direct Plan - Flexi IDCW has delivered a absolute return of 5.10% — +2.54 pp ahead of the Medium Duration Fund category average of 2.57%. The fund ranks #10 of 37 in its category — the second (Q2) quartile.

Over the trailing 3-year window, UTI Medium Duration Fund - Direct Plan - Flexi IDCW has delivered a CAGR of 7.18% — +3.85 pp ahead of the Medium Duration Fund category average of 3.33%. The fund ranks #9 of 37 in its category — the top (Q1) quartile.

Over the trailing 5-year window, UTI Medium Duration Fund - Direct Plan - Flexi IDCW has delivered a CAGR of 6.17% — +2.97 pp ahead of the Medium Duration Fund category average of 3.21%. The fund ranks #10 of 35 in its category — the second (Q2) quartile.

₹1 lakh invested in UTI Medium Duration Fund - Direct Plan - Flexi IDCW exactly 10 years ago would be worth approximately ₹151,283 today — a multiplier of 1.51×, based on the 10-year CAGR of 4.23%. The category average over the same window would have grown ₹1 lakh to ₹124,227.

A ₹10,000 monthly SIP in UTI Medium Duration Fund - Direct Plan - Flexi IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹709,877 today. That's an XIRR (money-weighted annualised return) of 6.66%.

A ₹10,000 monthly SIP for 10 years in UTI Medium Duration Fund - Direct Plan - Flexi IDCW = ₹1,200,000 invested. It would currently be worth ₹1,555,262 (multiplier 1.30×). XIRR: 5.06%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, UTI Medium Duration Fund - Direct Plan - Flexi IDCW ranks #10 out of 35 funds in the Medium Duration Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 3.21%; this fund delivered 6.17%.

The worst peak-to-trough decline UTI Medium Duration Fund - Direct Plan - Flexi IDCW has experienced over the last 5-year window is 4.68% — its NAV fell from a high on 21 Mar 2022 to a low on 09 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 Medium Duration Fund - Direct Plan - Flexi IDCW averaged 3.43% (best 6.17%, worst 1.48%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.18 — negative risk-adjusted performance.

In calendar year 2025, UTI Medium Duration Fund - Direct Plan - Flexi IDCW returned 7.21% — beating the Medium Duration Fund category average of 3.23% by 3.98 pp. It ranked #11 of 32 in its category that year.

UTI Medium Duration Fund - Direct Plan - Flexi 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 Medium Duration Fund - Direct Plan - Flexi 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: 4.7%. 5-year CAGR: 6.17%.

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

UTI Medium Duration Fund - Direct Plan - Flexi IDCW

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Medium Duration Fund

Recent NAVs

Frequently asked questions

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