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

We don't give personal investment advice. UTI Short Duration Fund - Regular 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: 6.10%.

UTI

UTI Short Duration Fund - Regular Plan - Annual IDCW

Latest NAV

₹14.5997

As of

3 Jun 2026

2,694 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%	+0.02%	+0.04	10 / 49	Q1
1W	+0.22%	+0.16%	+0.06	21 / 49	Q2
2W	+0.29%	+0.23%	+0.06	23 / 49	Q2
1M	+0.15%	+0.06%	+0.09	16 / 49	Q2
3M	+0.44%	-0.24%	+0.68	9 / 49	Q1
6M	+1.36%	+0.21%	+1.15	8 / 49	Q1
YTD	+1.18%	+0.32%	+0.86	8 / 49	Q1
1Y	+3.94%	+1.44%	+2.50	9 / 49	Q1
2Y	+6.49%	+3.02%	+3.47	9 / 48	Q1
3Y	+6.66%	+3.13%	+3.53	8 / 46	Q1
4Y	+6.63%	+3.46%	+3.17	8 / 36	Q1
5Y	+6.10%	+3.23%	+2.87	6 / 32	Q1
7Y	+5.61%	+2.76%	+2.85	7 / 29	Q1
10Y	+3.45%	+2.30%	+1.15	7 / 23	Q2
Inception	+3.42%	+2.83%	+0.59	20 / 49	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	+1.18%	-0.19%	+1.38	3 / 41
2025	+7.32%	+3.43%	+3.88	6 / 44
2024	+7.86%	+3.72%	+4.15	9 / 46
2023	+6.92%	+3.07%	+3.84	3 / 44
2022	+0.23%	+2.80%	-2.57	23 / 40
2021	+2.59%	+1.23%	+1.36	10 / 29
2020	+10.39%	+4.49%	+5.90	2 / 31
2019	-7.72%	-0.31%	-7.41	26 / 29
2018	+0.70%	+1.82%	-1.12	10 / 25
2017	-0.68%	+1.56%	-2.25	18 / 24
2016	+4.36%	+4.09%	+0.27	9 / 23

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

+3.34%

124 windows

min -10.4% · max 12.1%

77% positive

3-Year rolling

+2.81%

100 windows

min -2.9% · max 7.7%

88% positive

5-Year rolling

+2.79%

75 windows

min 0.5% · max 6.2%

100% positive

7-Year rolling

+2.60%

51 windows

min 1.3% · max 5.6%

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

1.17%

3-year · annualised

Sharpe ratio

-0.02

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.56%

Mar 2026 → Apr 2026

% positive months

94.4%

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
Invesco India Short Duration Fund - Regular Plan - Daily IDCW (Reinvestment)	Invesco	₹1,035.9173	3 Jun 2026
Bandhan Short Duration Fund - Regular Plan - Annual IDCW	Bandhan	₹10.6563	3 Jun 2026
Aditya Birla Sun Life Short Term Fund - REGULAR - Quarterly IDCW	Aditya Birla Sun Life	₹10.3522	3 Jun 2026
Mirae Asset Short Duration Fund - Regular Plan - IDCW	Mirae Asset	₹16.2857	3 Jun 2026
Kotak Bond Short Term Plan - Regular Plan - Normal Dividend	Kotak	₹12.0068	3 Jun 2026
HSBC Short Duration Fund - Regular Plan - Monthly IDCW	HSBC	₹11.0462	3 Jun 2026
Baroda BNP Paribas Short Duration Fund - Regular Plan - Monthly IDCW Option	Baroda BNP Paribas	₹10.0788	3 Jun 2026
CANARA ROBECO SHORT DURATION FUND - REGULAR PLAN - MONTHLY IDCW (Payout/Reinvestment)	Canara Robeco	₹15.6572	3 Jun 2026
UTI Short Duration Fund - Regular Plan - Flexi IDCW	UTI	₹18.8511	3 Jun 2026
Axis Short Duration Fund - Regular Plan - Monthly IDCW	Axis	₹10.0459	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹14.5997
2 Jun 2026	₹14.5994
1 Jun 2026	₹14.5898
29 May 2026	₹14.5818
27 May 2026	₹14.5725
26 May 2026	₹14.5678
25 May 2026	₹14.5650
22 May 2026	₹14.5433
21 May 2026	₹14.5355
20 May 2026	₹14.5485

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 - Regular Plan - Annual IDCW is ₹14.5997. It's a Short Duration Fund from UTI, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

UTI Short Duration Fund - Regular Plan - Annual IDCW has NAV history starting from 13 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 Short Duration Fund - Regular 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 - Regular Plan - Annual IDCW has delivered a absolute return of 3.94% — +2.5 pp ahead of the Short Duration Fund category average of 1.44%. The fund ranks #9 of 49 in its category — the top (Q1) quartile.

Over the trailing 3-year window, UTI Short Duration Fund - Regular Plan - Annual IDCW has delivered a CAGR of 6.66% — +3.53 pp ahead of the Short Duration Fund category average of 3.13%. The fund ranks #8 of 46 in its category — the top (Q1) quartile.

Over the trailing 5-year window, UTI Short Duration Fund - Regular Plan - Annual IDCW has delivered a CAGR of 6.10% — +2.87 pp ahead of the Short Duration Fund category average of 3.23%. The fund ranks #6 of 32 in its category — the top (Q1) quartile.

₹1 lakh invested in UTI Short Duration Fund - Regular Plan - Annual IDCW exactly 10 years ago would be worth approximately ₹140,389 today — a multiplier of 1.40×, based on the 10-year CAGR of 3.45%. The category average over the same window would have grown ₹1 lakh to ₹125,550.

A ₹10,000 monthly SIP in UTI Short Duration Fund - Regular Plan - Annual IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹701,481 today. That's an XIRR (money-weighted annualised return) of 6.18%.

A ₹10,000 monthly SIP for 10 years in UTI Short Duration Fund - Regular Plan - Annual IDCW = ₹1,200,000 invested. It would currently be worth ₹1,513,871 (multiplier 1.26×). XIRR: 4.54%. 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 - Regular Plan - Annual IDCW ranks #6 out of 32 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 3.23%; this fund delivered 6.10%.

The worst peak-to-trough decline UTI Short Duration Fund - Regular Plan - Annual IDCW has experienced over the last 5-year window is 3.87% — its NAV fell from a high on 21 Mar 2022 to a low on 06 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 Short Duration Fund - Regular Plan - Annual IDCW averaged 2.79% (best 6.15%, worst 0.53%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.20 — negative risk-adjusted performance.

In calendar year 2025, UTI Short Duration Fund - Regular Plan - Annual IDCW returned 7.32% — beating the Short Duration Fund category average of 3.43% by 3.88 pp. It ranked #6 of 44 in its category that year.

UTI Short Duration Fund - Regular 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 - Regular 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: 6.10%.

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