Should I invest in UTI Medium to Long Duration Fund - Quarterly IDCW?

We don't give personal investment advice. UTI Medium to Long Duration Fund - Direct Plan - Quarterly 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: 2.2%. 5-year CAGR: 8.71%.

UTI

UTI Medium to Long Duration Fund - Direct Plan - Quarterly IDCW

Latest NAV

₹26.2553

As of

17 Jul 2026

3,262 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	-0.04%	-6.86%	+6.82	657 / 1087	Q3
1W	-0.15%	-9.76%	+9.61	420 / 998	Q2
2W	-0.17%	-9.73%	+9.56	419 / 997	Q2
1M	+0.92%	-9.76%	+10.67	33 / 991	Q1
3M	+2.06%	-9.36%	+11.42	56 / 984	Q1
6M	+3.05%	-8.72%	+11.77	115 / 949	Q1
YTD	+2.50%	-8.84%	+11.34	145 / 949	Q1
1Y	+3.54%	-6.67%	+10.21	317 / 916	Q2
2Y	+6.31%	-2.45%	+8.76	229 / 867	Q2
3Y	+6.45%	-1.11%	+7.57	251 / 835	Q2
4Y	+6.89%	+2.90%	+3.99	52 / 143	Q2
5Y	+8.71%	+2.71%	+6.01	5 / 91	Q1
7Y	+6.26%	+2.61%	+3.65	13 / 54	Q1
10Y	+5.62%	+2.62%	+3.00	5 / 34	Q1
Inception	+5.72%	+0.47%	+5.25	366 / 1085	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	+2.50%	+0.83%	+1.67	47 / 112
2025	+6.16%	+4.71%	+1.45	74 / 122
2024	+8.97%	+5.86%	+3.10	12 / 127
2023	+6.70%	+4.21%	+2.49	66 / 117
2022	+10.23%	-7.69%	+17.92	7 / 273
2021	+9.85%	-4.54%	+14.39	8 / 458
2020	+0.38%	+2.15%	-1.77	440 / 625
2019	-4.71%	+3.58%	-8.29	549 / 607
2018	+4.52%	+1.75%	+2.76	146 / 314
2017	+3.83%	+2.07%	+1.76	115 / 207
2016	+14.60%	+3.56%	+11.05	5 / 167

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

+6.07%

153 windows

min -10.9% · max 17.3%

86% positive

3-Year rolling

+6.10%

129 windows

min -1.3% · max 11.7%

84% positive

5-Year rolling

+5.50%

104 windows

min 2.2% · max 9.4%

100% positive

7-Year rolling

+4.96%

80 windows

min 3.3% · max 6.5%

100% positive

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

2.24%

3-year · annualised

Sharpe ratio

-0.08

vs risk-free 6.5%

Sortino ratio

-0.28

Downside-only deviation

Max drawdown

-1.64%

May 2025 → Aug 2025

% positive months

77.8%

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 to Long Duration Fund

Scheme	Fund house	NAV	As of
HDFC Charity Fund for Cancer Cure - IDCW Option - Direct Plan - 50% IDCW Donation Option	HDFC	₹10.1159	17 Jul 2026
NIPPON INDIA FIXED MATURITY PLAN - XLI - SERIES 8 - DIRECT Plan - IDCW Option	Nippon India	₹17.7273	17 Jul 2026
SBI Fixed Maturity Plan (FMP) - Series 1 (3668 Days) - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹17.7206	17 Jul 2026
ICICI Prudential Bond Fund - Direct Plan - Half Yearly IDCW	ICICI Prudential	₹11.0090	17 Jul 2026
BANDHAN Fixed Term Plan Series 179 DIRECT PLAN HALF YEARLY-IDCW (3652 days)	Bandhan	₹11.5431	17 Jul 2026
Aditya Birla Sun Life Fixed Term Plan - Series TJ (1838 days) - Direct Plan - Payout of IDCW Option	Aditya Birla Sun Life	₹13.6183	17 Jul 2026
Franklin India Medium to Long Duration Fund - Direct - IDCW	Franklin India	₹10.6701	17 Jul 2026
Kotak Bond Fund - Direct Plan - Standard IDCW option	Kotak	₹30.1720	17 Jul 2026
DSP FMP Series - 264 - 60M - 17D - Direct - IDCW	DSP	₹13.3392	17 Jul 2026
HSBC Medium to Long Duration Fund - Direct Quarterly IDCW	HSBC	₹10.4928	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹26.2553
16 Jul 2026	₹26.2659
15 Jul 2026	₹26.2387
14 Jul 2026	₹26.2192
13 Jul 2026	₹26.2989
10 Jul 2026	₹26.2956
9 Jul 2026	₹26.2622
8 Jul 2026	₹26.2471
7 Jul 2026	₹26.3122
6 Jul 2026	₹26.3204

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 to Long Duration Fund - Direct Plan - Quarterly IDCW is ₹26.2553. It's a Medium to Long Duration Fund from UTI, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

UTI Medium to Long Duration Fund - Direct Plan - Quarterly IDCW has NAV history starting from 09 Jan 2013, a track record of about 13 years 6 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 to Long Duration Fund - Direct Plan - Quarterly IDCW is managed by UTI. It's classified by AMFI under the 'Medium to Long Duration Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, UTI Medium to Long Duration Fund - Direct Plan - Quarterly IDCW has delivered a absolute return of 3.54% — +10.21 pp ahead of the Medium to Long Duration Fund category average of -6.67%. The fund ranks #317 of 916 in its category — the second (Q2) quartile.

Over the trailing 3-year window, UTI Medium to Long Duration Fund - Direct Plan - Quarterly IDCW has delivered a CAGR of 6.45% — +7.57 pp ahead of the Medium to Long Duration Fund category average of -1.11%. The fund ranks #251 of 835 in its category — the second (Q2) quartile.

Over the trailing 5-year window, UTI Medium to Long Duration Fund - Direct Plan - Quarterly IDCW has delivered a CAGR of 8.71% — +6.01 pp ahead of the Medium to Long Duration Fund category average of 2.71%. The fund ranks #5 of 91 in its category — the top (Q1) quartile.

₹1 lakh invested in UTI Medium to Long Duration Fund - Direct Plan - Quarterly IDCW exactly 10 years ago would be worth approximately ₹172,722 today — a multiplier of 1.73×, based on the 10-year CAGR of 5.62%. The category average over the same window would have grown ₹1 lakh to ₹129,515.

A ₹10,000 monthly SIP in UTI Medium to Long Duration Fund - Direct Plan - Quarterly IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹715,538 today. That's an XIRR (money-weighted annualised return) of 6.98%.

A ₹10,000 monthly SIP for 10 years in UTI Medium to Long Duration Fund - Direct Plan - Quarterly IDCW = ₹1,200,000 invested. It would currently be worth ₹1,645,332 (multiplier 1.37×). XIRR: 6.15%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, UTI Medium to Long Duration Fund - Direct Plan - Quarterly IDCW ranks #5 out of 91 funds in the Medium to Long Duration Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 2.71%; this fund delivered 8.71%.

The worst peak-to-trough decline UTI Medium to Long Duration Fund - Direct Plan - Quarterly IDCW has experienced over the last 5-year window is 2.21% — its NAV fell from a high on 14 Dec 2021 to a low on 05 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 to Long Duration Fund - Direct Plan - Quarterly IDCW averaged 5.50% (best 9.44%, worst 2.21%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.41 — weak risk-adjusted performance.

In calendar year 2025, UTI Medium to Long Duration Fund - Direct Plan - Quarterly IDCW returned 6.16% — beating the Medium to Long Duration Fund category average of 4.71% by 1.45 pp. It ranked #74 of 122 in its category that year.

UTI Medium to Long Duration Fund - Direct Plan - Quarterly 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 to Long Duration Fund - Direct Plan - Quarterly 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: 2.2%. 5-year CAGR: 8.71%.

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