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: 5.85%.

UTI

UTI Medium Duration Fund - Direct Plan - Flexi IDCW

Latest NAV

₹15.7843

As of

3 Jun 2026

2,696 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%	+52.33%	-52.29	31 / 45	Q3
1W	+0.11%	+32.00%	-31.89	36 / 52	Q3
2W	+0.34%	+49.51%	-49.17	30 / 46	Q3
1M	+0.16%	+49.76%	-49.60	36 / 46	Q4
3M	+0.21%	+50.68%	-50.47	27 / 46	Q3
6M	+1.30%	+52.99%	-51.69	22 / 46	Q2
YTD	+1.11%	+49.92%	-48.82	24 / 46	Q3
1Y	+3.35%	+58.11%	-54.75	21 / 46	Q2
2Y	+6.54%	+18.22%	-11.68	20 / 45	Q2
3Y	+6.65%	+3.00%	+3.65	11 / 37	Q2
4Y	+6.85%	+3.75%	+3.11	12 / 35	Q2
5Y	+5.85%	+3.25%	+2.59	9 / 35	Q2
7Y	+4.87%	+2.19%	+2.68	4 / 31	Q1
10Y	+4.15%	+2.16%	+1.99	4 / 28	Q1
Inception	+4.16%	+6.67%	-2.50	15 / 47	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	+1.11%	-0.03%	+1.14	11 / 30
2025	+7.21%	+3.23%	+3.98	11 / 32
2024	+8.34%	+3.99%	+4.34	10 / 32
2023	+7.03%	+0.03%	+7.00	10 / 33
2022	-0.27%	+59.88%	-60.15	32 / 41
2021	+5.52%	-0.67%	+6.19	8 / 40
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

+4.03%

124 windows

min -1.5% · max 10.0%

90% positive

3-Year rolling

+3.62%

100 windows

min 1.0% · max 8.1%

100% positive

5-Year rolling

+3.40%

76 windows

min 1.7% · max 5.9%

100% positive

7-Year rolling

+3.41%

51 windows

min 2.2% · max 4.9%

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

1.54%

3-year · annualised

Sharpe ratio

-0.02

vs risk-free 6.5%

Sortino ratio

-0.06

Downside-only deviation

Max drawdown

-0.98%

Mar 2026 → Apr 2026

% positive months

94.4%

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	₹10.1151	3 Jun 2026
NIPPON INDIA MEDIUM DURATION FUND - SEGREGATED PORTFOLIO 2 - DIRECT Plan - IDCW Option	Nippon India	₹0.0000	3 Jun 2026
SBI Medium Duration Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹22.5440	3 Jun 2026
ICICI Prudential Medium Term Bond Fund - Direct Plan - Quarterly IDCW	ICICI Prudential	₹11.4292	3 Jun 2026
Invesco India Medium Duration Fund - Direct Plan - Discretionary IDCW (Payout/Reinvestment)	Invesco	₹1,326.0991	3 Jun 2026
Bandhan Medium Duration Fund - Direct Plan - Bi Monthly IDCW	Bandhan	₹10.5750	3 Jun 2026
Aditya Birla Sun Life Medium Term Plan - DIRECT - HALF YEARLY IDCW	Aditya Birla Sun Life	₹14.7184	3 Jun 2026
Kotak Medium Term Fund - Direct - Standard Income Distribution cum capital withdrawal option	Kotak	₹26.7908	3 Jun 2026
DSP Bond Fund - Direct Plan - IDCW	DSP	₹11.5232	3 Jun 2026
HSBC Medium Duration Fund - Direct Annual IDCW	HSBC	₹11.4485	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹15.7843
2 Jun 2026	₹15.7876
1 Jun 2026	₹15.7800
29 May 2026	₹15.7800
27 May 2026	₹15.7702
26 May 2026	₹15.7704
25 May 2026	₹15.7621
22 May 2026	₹15.7390
21 May 2026	₹15.7245
20 May 2026	₹15.7341

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 Medium Duration Fund - Direct Plan - Flexi IDCW is ₹15.7843. 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 1 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 3.35% — -54.75 pp behind the Medium Duration Fund category average of 58.11%. The fund ranks #21 of 46 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 6.65% — +3.65 pp ahead of the Medium Duration Fund category average of 3.00%. The fund ranks #11 of 37 in its category — the second (Q2) quartile.

Over the trailing 5-year window, UTI Medium Duration Fund - Direct Plan - Flexi IDCW has delivered a CAGR of 5.85% — +2.59 pp ahead of the Medium Duration Fund category average of 3.25%. The fund ranks #9 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 ₹150,126 today — a multiplier of 1.50×, based on the 10-year CAGR of 4.15%. The category average over the same window would have grown ₹1 lakh to ₹123,815.

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 ₹701,242 today. That's an XIRR (money-weighted annualised return) of 6.17%.

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 ₹1,533,710 (multiplier 1.28×). XIRR: 4.79%. 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 #9 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 3.25%; this fund delivered 5.85%.

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 3.40% (best 5.92%, worst 1.70%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.30 — 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: 5.85%.

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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