Should I invest in UTI Short Duration Fund - Half Yearly Dividend Option?

We don't give personal investment advice. UTI Short Duration Fund - Direct Plan - Half Yearly Dividend 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.

UTI

UTI Short Duration Fund - Direct Plan - Half Yearly Dividend Option

Latest NAV

₹14.4399

As of

3 Jun 2026

2,093 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	22 / 70	Q2
1W	+0.22%	+0.45%	-0.23	39 / 75	Q3
2W	+0.30%	+3.30%	-2.99	34 / 73	Q2
1M	+0.18%	+3.91%	-3.73	27 / 73	Q2
3M	+0.55%	+3.67%	-3.12	18 / 73	Q1
6M	+1.59%	+4.08%	-2.49	15 / 73	Q1
YTD	+1.37%	+4.25%	-2.88	16 / 73	Q1
1Y	+4.41%	+5.25%	-0.84	15 / 73	Q1
2Y	+6.96%	+6.08%	+0.88	24 / 69	Q2
3Y	+7.20%	+5.06%	+2.13	10 / 67	Q1
4Y	+7.19%	+4.91%	+2.28	10 / 58	Q1
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	+2.13%	+3.17%	-1.04	21 / 42	Q2
Inception	+3.18%	+3.21%	-0.02	31 / 69	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	+1.37%	+0.03%	+1.34	7 / 57
2025	+7.79%	+12.93%	-5.14	19 / 62
2024	+8.36%	+3.52%	+4.84	13 / 64
2023	+7.64%	-1.39%	+9.04	1 / 65
2022	-1.55%	+1.79%	-3.33	58 / 60
2021	—	—	—	—
2020	—	—	—	—
2019	—	—	—	—
2018	+5.45%	+1.84%	+3.62	11 / 48
2017	+6.43%	+1.67%	+4.76	4 / 47
2016	+10.51%	+4.15%	+6.37	6 / 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

+7.37%

84 windows

min -2.5% · max 11.4%

94% positive

3-Year rolling

+5.88%

41 windows

min -6.7% · max 9.7%

88% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

-2.77%

26 windows

min -3.4% · max -1.4%

0% positive

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

7-Year rolling

+0.13%

50 windows

min -0.4% · max 1.7%

52% 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

1.17%

3-year · annualised

Sharpe ratio

0.41

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.53%

Mar 2026 → Apr 2026

% positive months

97.2%

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	₹14.4399
2 Jun 2026	₹14.4394
1 Jun 2026	₹14.4298
29 May 2026	₹14.4214
27 May 2026	₹14.4119
26 May 2026	₹14.4071
25 May 2026	₹14.4041
22 May 2026	₹14.3821
21 May 2026	₹14.3742
20 May 2026	₹14.3870

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 - Half Yearly Dividend Option is ₹14.4399. 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 - Half Yearly Dividend Option has NAV history starting from 17 Sep 2014, a track record of about 11 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 - Half Yearly Dividend Option 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 - Half Yearly Dividend Option has delivered a absolute return of 4.41% — -0.84 pp behind the Short Duration Fund category average of 5.25%. The fund ranks #15 of 73 in its category — the top (Q1) quartile.

Over the trailing 3-year window, UTI Short Duration Fund - Direct Plan - Half Yearly Dividend Option has delivered a CAGR of 7.20% — +2.13 pp ahead of the Short Duration Fund category average of 5.06%. The fund ranks #10 of 67 in its category — the top (Q1) quartile.

UTI Short Duration Fund - Direct Plan - Half Yearly Dividend Option doesn't have a complete 5-year window yet (we need at least 5 year of NAVs). Check the shorter-window returns above.

₹1 lakh invested in UTI Short Duration Fund - Direct Plan - Half Yearly Dividend Option exactly 10 years ago would be worth approximately ₹123,496 today — a multiplier of 1.23×, based on the 10-year CAGR of 2.13%. 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 - Half Yearly Dividend Option over the last 5 years — total invested ₹520,000 — would be worth ₹602,268 today. That's an XIRR (money-weighted annualised return) of 6.61%.

UTI Short Duration Fund - Direct Plan - Half Yearly Dividend Option doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹602,268 — XIRR 6.61%.

On a 3-year basis, UTI Short Duration Fund - Direct Plan - Half Yearly Dividend Option ranks #10 out of 67 funds in the Short Duration Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 5.06%; this fund delivered 7.20%.

The worst peak-to-trough decline UTI Short Duration Fund - Direct Plan - Half Yearly Dividend Option has experienced over the last 3-year window is 0.53% — its NAV fell from a high on 11 Mar 2026 to a low on 02 Apr 2026. 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 - Half Yearly Dividend Option averaged -2.77% (best -1.39%, worst -3.41%). 0% of rolling windows ended positive. The 3-year Sharpe ratio is 0.41 — weak risk-adjusted performance.

In calendar year 2025, UTI Short Duration Fund - Direct Plan - Half Yearly Dividend Option returned 7.79% — lagging the Short Duration Fund category average of 12.93% by 5.14 pp. It ranked #19 of 62 in its category that year.

UTI Short Duration Fund - Direct Plan - Half Yearly Dividend 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 Short Duration Fund - Direct Plan - Half Yearly Dividend 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.

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