Should I invest in UTI Medium Duration Fund - Half-Yearly IDCW?

We don't give personal investment advice. UTI Medium Duration Fund - Regular Plan - Half-Yearly 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. 5-year CAGR: -2.01%.

UTI

UTI Medium Duration Fund - Regular Plan - Half-Yearly IDCW

Latest NAV

₹10.0085

As of

3 Jun 2026

2,514 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%	+76.20%	-76.20	19 / 19	Q4
1W	—	—	—	—	—
2W	—	—	—	—	—
1M	—	—	—	—	—
3M	—	—	—	—	—
6M	-25.50%	+84.56%	-110.06	18 / 18	Q4
YTD	-25.61%	+75.65%	-101.27	19 / 19	Q4
1Y	-24.23%	+91.60%	-115.82	18 / 18	Q4
2Y	-8.98%	+25.99%	-34.97	18 / 18	Q4
3Y	-5.17%	+2.01%	-7.18	13 / 13	Q4
4Y	-2.29%	+3.25%	-5.54	11 / 11	Q4
5Y	-2.01%	+2.51%	-4.53	11 / 11	Q4
7Y	-1.21%	+1.67%	-2.88	9 / 9	Q4
10Y	-0.37%	+1.31%	-1.68	6 / 8	Q3
Inception	0.00%	-0.76%	+0.76	17 / 24	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	-25.61%	-2.57%	-23.05	12 / 12
2025	+6.51%	+3.45%	+3.07	3 / 13
2024	—	—	—	—
2023	—	—	—	—
2022	-1.14%	+91.44%	-92.58	14 / 16
2021	+2.85%	-4.67%	+7.52	5 / 14
2020	-0.04%	-1.67%	+1.64	3 / 9
2019	+1.21%	+2.25%	-1.04	6 / 9
2018	+1.81%	+0.61%	+1.21	3 / 9
2017	+0.02%	-0.15%	+0.17	3 / 8
2016	+2.60%	+2.02%	+0.58	2 / 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

+2.06%

112 windows

min -24.2% · max 9.6%

76% positive

3-Year rolling

+1.96%

92 windows

min -5.2% · max 6.4%

97% positive

5-Year rolling

+1.77%

68 windows

min -2.0% · max 4.1%

99% positive

7-Year rolling

+1.84%

43 windows

min -1.2% · max 3.1%

98% 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.

Peers in Medium Duration Fund

Scheme	Fund house	NAV	As of
Invesco India Medium Duration Fund - Regular Plan - Discretionary IDCW(Payout / Reinvestment))	Invesco	₹1,273.0112	3 Jun 2026
Bandhan Medium Duration Fund - Regular Plan - Periodic IDCW	Bandhan	₹14.9026	3 Jun 2026
HSBC Medium Duration Fund - Regular Annual IDCW	HSBC	₹10.3826	3 Jun 2026
UTI - Medium Term Fund (Segregated - 06032020) - Regular Plan - Annual Dividend Option	UTI	₹0.0000	3 Jun 2026
Axis Strategic Bond Fund - Regular Plan - Half Yearly IDCW	Axis	₹10.3409	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹10.0085
2 Jun 2026	₹10.0108
27 Jan 2026	₹13.4487
23 Jan 2026	₹13.4555
22 Jan 2026	₹13.4598
21 Jan 2026	₹13.4500
20 Jan 2026	₹13.4406
19 Jan 2026	₹13.4407
16 Jan 2026	₹13.4424
14 Jan 2026	₹13.4517

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 - Half-Yearly IDCW is ₹10.0085. 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 - Half-Yearly 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 - Regular Plan - Half-Yearly 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 - Half-Yearly IDCW has delivered a absolute return of -24.23% — -115.82 pp behind the Medium Duration Fund category average of 91.60%. The fund ranks #18 of 18 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, UTI Medium Duration Fund - Regular Plan - Half-Yearly IDCW has delivered a CAGR of -5.17% — -7.18 pp behind the Medium Duration Fund category average of 2.01%. The fund ranks #13 of 13 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, UTI Medium Duration Fund - Regular Plan - Half-Yearly IDCW has delivered a CAGR of -2.01% — -4.53 pp behind the Medium Duration Fund category average of 2.51%. The fund ranks #11 of 11 in its category — the bottom (Q4) quartile.

₹1 lakh invested in UTI Medium Duration Fund - Regular Plan - Half-Yearly IDCW exactly 10 years ago would be worth approximately ₹96,349 today — a multiplier of 0.96×, based on the 10-year CAGR of -0.37%. The category average over the same window would have grown ₹1 lakh to ₹113,891.

A ₹10,000 monthly SIP in UTI Medium Duration Fund - Regular Plan - Half-Yearly IDCW over the last 5 years — total invested ₹530,000 — would be worth ₹443,813 today. That's an XIRR (money-weighted annualised return) of -6.53%.

A ₹10,000 monthly SIP for 10 years in UTI Medium Duration Fund - Regular Plan - Half-Yearly IDCW = ₹1,130,000 invested. It would currently be worth ₹995,387 (multiplier 0.88×). XIRR: -2.42%. 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 - Half-Yearly IDCW ranks #11 out of 11 funds in the Medium Duration Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 2.51%; this fund delivered -2.01%.

UTI Medium Duration Fund - Regular Plan - Half-Yearly IDCW doesn't have a computed drawdown figure yet.

Across all 5-year rolling windows, UTI Medium Duration Fund - Regular Plan - Half-Yearly IDCW averaged 1.77% (best 4.07%, worst -2.01%). 99% of rolling windows ended positive.

In calendar year 2025, UTI Medium Duration Fund - Regular Plan - Half-Yearly IDCW returned 6.51% — beating the Medium Duration Fund category average of 3.45% by 3.07 pp. It ranked #3 of 13 in its category that year.

UTI Medium Duration Fund - Regular Plan - Half-Yearly 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 - Half-Yearly 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. 5-year CAGR: -2.01%.

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