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

We don't give personal investment advice. UTI Short Duration Fund - Direct 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: 3.9%. 5-year CAGR: 3.90%.

UTI

UTI Short Duration Fund - Direct Plan - Annual IDCW

Latest NAV

₹13.3754

As of

3 Jun 2026

2,572 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	+0.07%	+0.03%	+0.04	20 / 70	Q2
1W	+0.22%	+0.45%	-0.23	40 / 75	Q3
2W	+0.30%	+3.30%	-2.99	36 / 73	Q2
1M	+0.18%	+3.91%	-3.73	26 / 73	Q2
3M	-2.56%	+3.67%	-6.23	65 / 73	Q4
6M	-1.56%	+4.08%	-5.64	60 / 73	Q4
YTD	-1.77%	+4.25%	-6.02	64 / 73	Q4
1Y	+1.17%	+5.25%	-4.08	32 / 73	Q2
2Y	+3.30%	+6.08%	-2.78	32 / 69	Q2
3Y	+3.35%	+5.06%	-1.72	33 / 67	Q2
4Y	+3.70%	+4.91%	-1.21	26 / 58	Q2
5Y	+3.90%	+4.32%	-0.42	24 / 53	Q2
7Y	+4.20%	+3.70%	+0.50	22 / 50	Q2
10Y	+2.59%	+3.17%	-0.58	19 / 42	Q2
Inception	+2.36%	+3.21%	-0.85	38 / 69	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	-1.77%	+0.03%	-1.80	51 / 57
2025	+3.75%	+12.93%	-9.18	30 / 62
2024	+4.16%	+3.52%	+0.65	28 / 64
2023	+5.15%	-1.39%	+6.54	23 / 65
2022	+0.92%	+1.79%	-0.87	27 / 60
2021	+3.30%	+1.60%	+1.71	17 / 49
2020	+10.89%	+4.17%	+6.72	5 / 51
2019	-7.29%	+0.83%	-8.12	46 / 50
2018	+0.77%	+1.84%	-1.07	22 / 48
2017	-0.20%	+1.67%	-1.88	38 / 47
2016	+4.09%	+4.15%	-0.06	18 / 45

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

+2.63%

118 windows

min -9.9% · max 12.6%

81% positive

3-Year rolling

+2.41%

94 windows

min -2.5% · max 5.6%

88% positive

5-Year rolling

+2.63%

70 windows

min 1.0% · max 5.0%

100% positive

7-Year rolling

+2.39%

45 windows

min 1.7% · 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

3.60%

3-year · annualised

Sharpe ratio

-0.87

vs risk-free 6.5%

Sortino ratio

-1.02

Downside-only deviation

Max drawdown

-3.88%

Mar 2024 → Mar 2024

% 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 Short Duration Fund

Scheme	Fund house	NAV	As of
HDFC Short Term Debt Fund - Fortnightly IDCW - Direct Plan	HDFC	₹10.3067	3 Jun 2026
NIPPON INDIA SHORT DURATION FUND - Direct Plan - IDCW Option	Nippon India	₹24.4258	3 Jun 2026
SBI Short Term Debt Fund - Direct Plan - Monthly Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹19.8855	3 Jun 2026
ICICI Prudential Short Term Fund - Direct Plan - Monthly IDCW	ICICI Prudential	₹12.6802	3 Jun 2026
Invesco India Short Duration Fund - Direct Plan - Daily IDCW (Reinvestment)	Invesco	₹1,023.1248	3 Jun 2026
Bandhan Short Duration Fund - Direct Plan - Annual IDCW	Bandhan	₹10.8737	3 Jun 2026
Aditya Birla Sun Life Short Term Fund - DIRECT - IDCW	Aditya Birla Sun Life	₹10.8440	3 Jun 2026
Franklin India Short term Income Plan- Retail Plan-Segregated Portfolio 3 (9.50% Yes Bank Ltd CO 23Dec21) - Direct Monthly - IDCW	Franklin India	₹0.0000	3 Jun 2026
Mirae Asset Short Duration Fund - Direct Plan - IDCW	Mirae Asset	₹17.3593	3 Jun 2026
Kotak Bond Short Term Plan - Direct - Standard Income Distribution cum capital withdrawal option	Kotak	₹15.9032	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹13.3754
2 Jun 2026	₹13.3749
1 Jun 2026	₹13.3660
29 May 2026	₹13.3582
27 May 2026	₹13.3494
26 May 2026	₹13.3450
25 May 2026	₹13.3423
22 May 2026	₹13.3218
21 May 2026	₹13.3145
20 May 2026	₹13.3264

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 Short Duration Fund - Direct Plan - Annual IDCW is ₹13.3754. It's a Short Duration Fund from UTI, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

UTI Short Duration Fund - Direct Plan - Annual IDCW has NAV history starting from 01 Oct 2015, a track record of about 10 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 Short Duration Fund - Direct Plan - Annual IDCW is managed by UTI. It's classified by AMFI under the 'Short Duration Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, UTI Short Duration Fund - Direct Plan - Annual IDCW has delivered a absolute return of 1.17% — -4.08 pp behind the Short Duration Fund category average of 5.25%. The fund ranks #32 of 73 in its category — the second (Q2) quartile.

Over the trailing 3-year window, UTI Short Duration Fund - Direct Plan - Annual IDCW has delivered a CAGR of 3.35% — -1.72 pp behind the Short Duration Fund category average of 5.06%. The fund ranks #33 of 67 in its category — the second (Q2) quartile.

Over the trailing 5-year window, UTI Short Duration Fund - Direct Plan - Annual IDCW has delivered a CAGR of 3.90% — -0.42 pp behind the Short Duration Fund category average of 4.32%. The fund ranks #24 of 53 in its category — the second (Q2) quartile.

₹1 lakh invested in UTI Short Duration Fund - Direct Plan - Annual IDCW exactly 10 years ago would be worth approximately ₹129,088 today — a multiplier of 1.29×, based on the 10-year CAGR of 2.59%. The category average over the same window would have grown ₹1 lakh to ₹136,625.

A ₹10,000 monthly SIP in UTI Short Duration Fund - Direct Plan - Annual IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹647,472 today. That's an XIRR (money-weighted annualised return) of 3.00%.

A ₹10,000 monthly SIP for 10 years in UTI Short Duration Fund - Direct Plan - Annual IDCW = ₹1,200,000 invested. It would currently be worth ₹1,387,804 (multiplier 1.16×). XIRR: 2.86%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, UTI Short Duration Fund - Direct Plan - Annual IDCW ranks #24 out of 53 funds in the Short Duration Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 4.32%; this fund delivered 3.90%.

The worst peak-to-trough decline UTI Short Duration Fund - Direct Plan - Annual IDCW has experienced over the last 5-year window is 3.88% — its NAV fell from a high on 15 Mar 2024 to a low on 20 Mar 2024. 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 Short Duration Fund - Direct Plan - Annual IDCW averaged 2.63% (best 5.04%, worst 0.95%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.68 — negative risk-adjusted performance.

In calendar year 2025, UTI Short Duration Fund - Direct Plan - Annual IDCW returned 3.75% — lagging the Short Duration Fund category average of 12.93% by 9.18 pp. It ranked #30 of 62 in its category that year.

UTI Short Duration Fund - Direct 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 Short Duration Fund - Direct 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: 3.9%. 5-year CAGR: 3.90%.

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