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

We don't give personal investment advice. UTI Medium Duration Fund - Regular 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: 5.1%. 5-year CAGR: 5.38%.

UTI

UTI Medium Duration Fund - Regular Plan - Flexi IDCW

Latest NAV

₹14.1545

As of

17 Jul 2026

2,285 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	7 / 14	Q2
1W	-0.08%	-0.06%	-0.02	7 / 14	Q2
2W	+0.06%	+0.01%	+0.05	5 / 14	Q2
1M	+0.74%	+0.63%	+0.11	7 / 14	Q2
3M	+1.87%	+1.53%	+0.34	5 / 12	Q2
6M	+2.76%	-0.52%	+3.28	6 / 13	Q2
YTD	+2.64%	-0.47%	+3.11	4 / 14	Q2
1Y	+4.30%	+0.01%	+4.29	4 / 13	Q2
2Y	+6.41%	+2.44%	+3.98	4 / 13	Q2
3Y	+6.40%	+2.49%	+3.90	4 / 13	Q2
4Y	+6.45%	+3.39%	+3.06	3 / 11	Q2
5Y	+5.38%	+2.78%	+2.60	3 / 11	Q2
7Y	+4.16%	+1.69%	+2.47	2 / 9	Q1
10Y	—	—	—	—	—
Inception	+3.64%	+1.70%	+1.94	2 / 14	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	+2.64%	-1.12%	+3.76	3 / 12
2025	+6.50%	+3.45%	+3.05	5 / 13
2024	+7.64%	+3.67%	+3.97	2 / 12
2023	+6.37%	+2.86%	+3.51	2 / 12
2022	-1.14%	+0.16%	-1.30	10 / 11
2021	+4.63%	+1.56%	+3.07	4 / 9
2020	-0.06%	-1.67%	+1.62	5 / 9
2019	+2.22%	+2.25%	-0.03	4 / 9
2018	+0.54%	+0.61%	-0.07	5 / 9
2017	—	—	—	—
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

+3.44%

105 windows

min -3.7% · max 9.4%

82% positive

3-Year rolling

+3.28%

80 windows

min 0.2% · max 7.3%

100% positive

5-Year rolling

+3.17%

55 windows

min 1.0% · max 5.4%

100% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

7-Year rolling

+3.32%

32 windows

min 2.3% · max 4.2%

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

1.47%

3-year · annualised

Sharpe ratio

-0.17

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-1.03%

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
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	₹14.1545
16 Jul 2026	₹14.1540
15 Jul 2026	₹14.1430
14 Jul 2026	₹14.1308
13 Jul 2026	₹14.1590
10 Jul 2026	₹14.1660
9 Jul 2026	₹14.1521
8 Jul 2026	₹14.1459
7 Jul 2026	₹14.1569
6 Jul 2026	₹14.1570

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 - Flexi IDCW is ₹14.1545. 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 - Flexi IDCW has NAV history starting from 25 Oct 2016, a track record of about 9 years 8 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 - 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 - Regular Plan - Flexi 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 #4 of 13 in its category — the second (Q2) quartile.

Over the trailing 3-year window, UTI Medium Duration Fund - Regular Plan - Flexi IDCW has delivered a CAGR of 6.40% — +3.9 pp ahead of the Medium Duration Fund category average of 2.49%. The fund ranks #4 of 13 in its category — the second (Q2) quartile.

Over the trailing 5-year window, UTI Medium Duration Fund - Regular Plan - Flexi IDCW has delivered a CAGR of 5.38% — +2.6 pp ahead of the Medium Duration Fund category average of 2.78%. The fund ranks #3 of 11 in its category — the second (Q2) quartile.

₹1 lakh invested in UTI Medium Duration Fund - Regular Plan - Flexi IDCW exactly 5 years ago would be worth approximately ₹129,957 today — a multiplier of 1.30×, based on the 5-year CAGR of 5.38%. The category average over the same window would have grown ₹1 lakh to ₹114,684.

A ₹10,000 monthly SIP in UTI Medium Duration Fund - Regular Plan - Flexi IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹696,934 today. That's an XIRR (money-weighted annualised return) of 5.93%.

UTI Medium Duration Fund - Regular Plan - Flexi IDCW doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,012,349 — XIRR 5.25%.

On a 5-year basis, UTI Medium Duration Fund - Regular Plan - Flexi IDCW ranks #3 out of 11 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 2.78%; this fund delivered 5.38%.

The worst peak-to-trough decline UTI Medium Duration Fund - Regular Plan - Flexi IDCW has experienced over the last 5-year window is 5.08% — 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 - Flexi IDCW averaged 3.17% (best 5.38%, worst 1.00%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.43 — negative risk-adjusted performance.

In calendar year 2025, UTI Medium Duration Fund - Regular Plan - Flexi IDCW returned 6.50% — beating the Medium Duration Fund category average of 3.45% by 3.05 pp. It ranked #5 of 13 in its category that year.

UTI Medium Duration Fund - Regular 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 - Regular 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: 5.1%. 5-year CAGR: 5.38%.

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

UTI Medium Duration Fund - Regular 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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