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

We don't give personal investment advice. UTI Medium Duration Fund - Regular Plan - Annual 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: 4.9%. 5-year CAGR: 4.34%.

UTI

UTI Medium Duration Fund - Regular Plan - Annual IDCW

Latest NAV

₹14.0527

As of

17 Jul 2026

2,727 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%	+0.00%	+0.00	5 / 14	Q2
1W	-0.08%	-0.06%	-0.02	8 / 14	Q3
2W	+0.06%	+0.01%	+0.05	6 / 14	Q2
1M	+0.74%	+0.63%	+0.10	9 / 14	Q3
3M	+1.87%	+1.53%	+0.34	7 / 12	Q3
6M	+2.76%	-0.52%	+3.28	5 / 13	Q2
YTD	+2.64%	-0.47%	+3.11	6 / 14	Q2
1Y	+4.30%	+0.01%	+4.29	3 / 13	Q1
2Y	+6.41%	+2.44%	+3.98	5 / 13	Q2
3Y	+5.11%	+2.49%	+2.62	6 / 13	Q2
4Y	+5.10%	+3.39%	+1.71	6 / 11	Q3
5Y	+4.34%	+2.78%	+1.56	6 / 11	Q3
7Y	+3.43%	+1.69%	+1.74	4 / 9	Q2
10Y	+2.90%	+1.36%	+1.54	3 / 8	Q2
Inception	+3.05%	+1.70%	+1.35	4 / 14	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	+2.64%	-1.12%	+3.76	5 / 12
2025	+6.50%	+3.45%	+3.05	4 / 13
2024	+3.78%	+3.67%	+0.11	6 / 12
2023	+4.81%	+2.86%	+1.94	6 / 12
2022	-1.00%	+0.16%	-1.16	8 / 11
2021	+4.70%	+1.56%	+3.15	3 / 9
2020	-0.05%	-1.67%	+1.63	4 / 9
2019	+2.38%	+2.25%	+0.13	3 / 9
2018	-0.18%	+0.61%	-0.79	6 / 9
2017	+0.09%	-0.15%	+0.24	2 / 8
2016	+4.77%	+2.02%	+2.76	1 / 7

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

+2.74%

126 windows

min -3.5% · max 9.3%

79% positive

3-Year rolling

+2.30%

101 windows

min -1.0% · max 5.5%

99% positive

5-Year rolling

+2.24%

77 windows

min 0.9% · max 4.3%

100% positive

7-Year rolling

+2.23%

53 windows

min 1.4% · max 3.5%

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

2.49%

3-year · annualised

Sharpe ratio

-0.58

vs risk-free 6.5%

Sortino ratio

-0.83

Downside-only deviation

Max drawdown

-3.67%

Mar 2024 → Mar 2024

% positive months

88.9%

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
Invesco India Medium Duration Fund - Regular Plan - Discretionary IDCW(Payout / Reinvestment))	Invesco	₹1,298.8009	17 Jul 2026
Bandhan Medium Duration Fund - Regular Plan - Periodic IDCW	Bandhan	₹15.2169	17 Jul 2026
HSBC Medium Duration Fund - Regular Annual IDCW	HSBC	₹10.5685	17 Jul 2026
UTI - Medium Term Fund (Segregated - 06032020) - Regular Plan - Annual Dividend Option	UTI	₹0.0000	17 Jul 2026
Axis Strategic Bond Fund - Regular Plan - Half Yearly IDCW	Axis	₹10.5456	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹14.0527
16 Jul 2026	₹14.0522
15 Jul 2026	₹14.0413
14 Jul 2026	₹14.0292
13 Jul 2026	₹14.0572
10 Jul 2026	₹14.0642
9 Jul 2026	₹14.0504
8 Jul 2026	₹14.0443
7 Jul 2026	₹14.0551
6 Jul 2026	₹14.0552

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 Medium Duration Fund - Regular Plan - Annual IDCW is ₹14.0527. It's a Medium Duration Fund from UTI, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

UTI Medium Duration Fund - Regular Plan - Annual 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 - Regular Plan - Annual 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 - Regular Plan - Annual IDCW has delivered a absolute return of 4.30% — +4.29 pp ahead of the Medium Duration Fund category average of 0.01%. The fund ranks #3 of 13 in its category — the top (Q1) quartile.

Over the trailing 3-year window, UTI Medium Duration Fund - Regular Plan - Annual IDCW has delivered a CAGR of 5.11% — +2.62 pp ahead of the Medium Duration Fund category average of 2.49%. The fund ranks #6 of 13 in its category — the second (Q2) quartile.

Over the trailing 5-year window, UTI Medium Duration Fund - Regular Plan - Annual IDCW has delivered a CAGR of 4.34% — +1.56 pp ahead of the Medium Duration Fund category average of 2.78%. The fund ranks #6 of 11 in its category — the third (Q3) quartile.

₹1 lakh invested in UTI Medium Duration Fund - Regular Plan - Annual IDCW exactly 10 years ago would be worth approximately ₹133,135 today — a multiplier of 1.33×, based on the 10-year CAGR of 2.90%. The category average over the same window would have grown ₹1 lakh to ₹114,456.

A ₹10,000 monthly SIP in UTI Medium Duration Fund - Regular Plan - Annual IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹679,095 today. That's an XIRR (money-weighted annualised return) of 4.90%.

A ₹10,000 monthly SIP for 10 years in UTI Medium Duration Fund - Regular Plan - Annual IDCW = ₹1,200,000 invested. It would currently be worth ₹1,440,781 (multiplier 1.20×). XIRR: 3.59%. 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 - Regular Plan - Annual IDCW ranks #6 out of 11 funds in the Medium Duration Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 2.78%; this fund delivered 4.34%.

The worst peak-to-trough decline UTI Medium Duration Fund - Regular Plan - Annual IDCW has experienced over the last 5-year window is 4.94% — 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 - Regular Plan - Annual IDCW averaged 2.24% (best 4.34%, worst 0.93%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.69 — negative risk-adjusted performance.

In calendar year 2025, UTI Medium Duration Fund - Regular Plan - Annual IDCW returned 6.50% — beating the Medium Duration Fund category average of 3.45% by 3.05 pp. It ranked #4 of 13 in its category that year.

UTI Medium Duration Fund - Regular Plan - Annual 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 - Regular Plan - Annual 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: 4.9%. 5-year CAGR: 4.34%.

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