Should I invest in UTI Medium Duration Fund?

We don't give personal investment advice. UTI Medium Duration Fund - Regular Plan - Growth Option 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: 1.8%. 5-year CAGR: 5.84%.

UTI

UTI Medium Duration Fund - Regular Plan - Growth Option

Latest NAV

₹18.8182

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%	+57.99%	-57.95	5 / 5	Q4
1W	+0.10%	+31.81%	-31.72	5 / 6	Q4
2W	+0.31%	+58.52%	-58.21	5 / 5	Q4
1M	+0.11%	+58.72%	-58.61	5 / 5	Q4
3M	+0.05%	+60.11%	-60.06	4 / 5	Q4
6M	+0.97%	+63.08%	-62.10	4 / 5	Q4
YTD	+0.84%	+59.33%	-58.50	4 / 5	Q4
1Y	+2.70%	+69.50%	-66.80	4 / 5	Q4
2Y	+5.84%	+22.88%	-17.04	4 / 5	Q4
3Y	+5.96%	+6.50%	-0.54	4 / 4	Q4
4Y	+6.18%	+6.58%	-0.39	2 / 3	Q3
5Y	+5.84%	+5.76%	+0.08	2 / 3	Q3
7Y	+4.86%	+6.05%	-1.19	2 / 2	Q4
10Y	+5.52%	+6.45%	-0.93	2 / 2	Q4
Inception	+5.82%	+2.98%	+2.84	4 / 6	Q3

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	+0.84%	+1.08%	-0.24	3 / 4
2025	+6.50%	+7.34%	-0.84	4 / 4
2024	+7.62%	+8.11%	-0.49	4 / 4
2023	+6.37%	+6.65%	-0.29	3 / 4
2022	+2.42%	+75.06%	-72.64	3 / 4
2021	+6.10%	-1.54%	+7.63	1 / 3
2020	-0.05%	+5.18%	-5.22	2 / 2
2019	+6.13%	+6.60%	-0.48	2 / 2
2018	+5.40%	+5.98%	-0.58	2 / 2
2017	+6.73%	+6.91%	-0.19	2 / 2
2016	+10.93%	+11.24%	-0.30	2 / 2

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

+5.91%

124 windows

min -1.2% · max 11.7%

95% positive

3-Year rolling

+5.36%

100 windows

min 2.6% · max 8.6%

100% positive

5-Year rolling

+4.98%

76 windows

min 3.7% · max 6.7%

100% positive

7-Year rolling

+5.06%

51 windows

min 4.7% · max 5.8%

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

-0.45

vs risk-free 6.5%

Sortino ratio

-1.18

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 - Growth	Invesco	₹1,273.0046	3 Jun 2026
HSBC Medium Duration Fund - Regular Growth	HSBC	₹21.2783	3 Jun 2026
UTI - Medium Term Fund (Segregated - 06032020) - Regular Plan - Growth Option	UTI	₹0.0000	3 Jun 2026
Axis Strategic Bond Fund - Regular Plan - Growth Option	Axis	₹29.3838	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹18.8182
2 Jun 2026	₹18.8225
1 Jun 2026	₹18.8137
29 May 2026	₹18.8148
27 May 2026	₹18.8038
26 May 2026	₹18.8043
25 May 2026	₹18.7948
22 May 2026	₹18.7682
21 May 2026	₹18.7513
20 May 2026	₹18.7631

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 - Regular Plan - Growth Option is ₹18.8182. It's a Medium Duration Fund from UTI, run as a Regular plan Growth option. NAVs update once per business day from the AMFI feed.

UTI Medium Duration Fund - Regular Plan - Growth Option 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 - Regular Plan - Growth Option 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 - Growth Option has delivered a absolute return of 2.70% — -66.8 pp behind the Medium Duration Fund category average of 69.50%. The fund ranks #4 of 5 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, UTI Medium Duration Fund - Regular Plan - Growth Option has delivered a CAGR of 5.96% — -0.54 pp behind the Medium Duration Fund category average of 6.50%. The fund ranks #4 of 4 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, UTI Medium Duration Fund - Regular Plan - Growth Option has delivered a CAGR of 5.84% — +0.08 pp ahead of the Medium Duration Fund category average of 5.76%. The fund ranks #2 of 3 in its category — the third (Q3) quartile.

₹1 lakh invested in UTI Medium Duration Fund - Regular Plan - Growth Option exactly 10 years ago would be worth approximately ₹171,061 today — a multiplier of 1.71×, based on the 10-year CAGR of 5.52%. The category average over the same window would have grown ₹1 lakh to ₹186,771.

A ₹10,000 monthly SIP in UTI Medium Duration Fund - Regular Plan - Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹693,421 today. That's an XIRR (money-weighted annualised return) of 5.72%.

A ₹10,000 monthly SIP for 10 years in UTI Medium Duration Fund - Regular Plan - Growth Option = ₹1,200,000 invested. It would currently be worth ₹1,565,985 (multiplier 1.30×). XIRR: 5.20%. 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 - Growth Option ranks #2 out of 3 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 5.76%; this fund delivered 5.84%.

The worst peak-to-trough decline UTI Medium Duration Fund - Regular Plan - Growth Option has experienced over the last 5-year window is 1.82% — its NAV fell from a high on 30 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 - Growth Option averaged 4.98% (best 6.69%, worst 3.74%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.38 — negative risk-adjusted performance.

In calendar year 2025, UTI Medium Duration Fund - Regular Plan - Growth Option returned 6.50% — lagging the Medium Duration Fund category average of 7.34% by 0.84 pp. It ranked #4 of 4 in its category that year.

UTI Medium Duration Fund - Regular Plan - Growth Option 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 - Growth Option 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: 1.8%. 5-year CAGR: 5.84%.

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 - Growth Option

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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