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

We don't give personal investment advice. UTI Short Duration Fund - Regular Plan - Monthly 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: 2.6%. 5-year CAGR: 2.17%.

UTI

UTI Short Duration Fund - Regular Plan - Monthly IDCW

Latest NAV

₹11.9725

As of

17 Jul 2026

2,849 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	+0.01%	+0.01%	+0.00	27 / 49	Q3
1W	+0.00%	-0.02%	+0.02	14 / 49	Q2
2W	-0.06%	-0.07%	+0.02	17 / 49	Q2
1M	+0.18%	+0.14%	+0.04	27 / 49	Q3
3M	+0.20%	+0.97%	-0.77	33 / 49	Q3
6M	-0.02%	+1.27%	-1.29	40 / 49	Q4
YTD	-0.74%	+1.12%	-1.86	44 / 49	Q4
1Y	-1.14%	+2.14%	-3.27	44 / 49	Q4
2Y	+0.67%	+3.26%	-2.59	30 / 48	Q3
3Y	+0.67%	+3.35%	-2.68	30 / 46	Q3
4Y	+0.86%	+3.62%	-2.76	26 / 37	Q3
5Y	+2.17%	+3.31%	-1.13	20 / 35	Q3
7Y	+3.82%	+2.97%	+0.85	14 / 29	Q2
10Y	+1.30%	+2.32%	-1.02	11 / 23	Q2
Inception	+1.53%	+2.91%	-1.38	30 / 49	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	-0.74%	+0.76%	-1.50	36 / 41
2025	+1.09%	+3.43%	-2.35	28 / 44
2024	+1.49%	+3.72%	-2.23	27 / 46
2023	+0.53%	+3.07%	-2.54	30 / 44
2022	+2.18%	+2.80%	-0.61	13 / 40
2021	+8.34%	+1.23%	+7.10	1 / 29
2020	+10.39%	+4.49%	+5.90	1 / 31
2019	-7.26%	-0.31%	-6.95	25 / 29
2018	-1.62%	+1.82%	-3.43	25 / 25
2017	-2.15%	+1.56%	-3.71	22 / 24
2016	+1.54%	+4.09%	-2.55	14 / 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

+1.45%

132 windows

min -11.6% · max 11.7%

70% positive

3-Year rolling

+1.50%

108 windows

min -4.6% · max 8.9%

68% positive

5-Year rolling

+1.89%

83 windows

min -1.9% · max 5.4%

83% positive

7-Year rolling

+1.81%

59 windows

min 1.2% · max 4.0%

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

1.22%

3-year · annualised

Sharpe ratio

-4.76

vs risk-free 6.5%

Sortino ratio

-8.29

Downside-only deviation

Max drawdown

-2.59%

Jun 2025 → Jun 2026

% positive months

58.3%

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	₹1,034.9007	17 Jul 2026
Bandhan Short Duration Fund - Regular Plan - Annual IDCW	Bandhan	₹10.8583	17 Jul 2026
Aditya Birla Sun Life Short Term Fund - REGULAR - Quarterly IDCW	Aditya Birla Sun Life	₹10.4222	17 Jul 2026
Mirae Asset Short Duration Fund - Regular Plan - IDCW	Mirae Asset	₹16.5630	17 Jul 2026
Kotak Bond Short Term Plan - Regular Plan - Normal Dividend	Kotak	₹12.2090	17 Jul 2026
HSBC Short Duration Fund - Regular Plan - Monthly IDCW	HSBC	₹11.0829	17 Jul 2026
Baroda BNP Paribas Short Duration Fund - Regular Plan - Monthly IDCW Option	Baroda BNP Paribas	₹10.1848	17 Jul 2026
CANARA ROBECO SHORT DURATION FUND - REGULAR PLAN - MONTHLY IDCW (Payout/Reinvestment)	Canara Robeco	₹15.8038	17 Jul 2026
UTI Short Duration Fund - Regular Plan - Annual IDCW	UTI	₹14.8347	17 Jul 2026
Axis Short Duration Fund - Regular Plan - Monthly IDCW	Axis	₹10.0936	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹11.9725
16 Jul 2026	₹11.9710
15 Jul 2026	₹11.9617
14 Jul 2026	₹11.9556
13 Jul 2026	₹11.9754
10 Jul 2026	₹11.9725
9 Jul 2026	₹11.9627
8 Jul 2026	₹11.9592
7 Jul 2026	₹11.9794
6 Jul 2026	₹11.9840

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 Short Duration Fund - Regular Plan - Monthly IDCW is ₹11.9725. 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 - Monthly IDCW has NAV history starting from 29 Sep 2014, a track record of about 11 years 9 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 - Monthly 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 - Monthly IDCW has delivered a absolute return of -1.14% — -3.27 pp behind the Short Duration Fund category average of 2.14%. The fund ranks #44 of 49 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, UTI Short Duration Fund - Regular Plan - Monthly IDCW has delivered a CAGR of 0.67% — -2.68 pp behind the Short Duration Fund category average of 3.35%. The fund ranks #30 of 46 in its category — the third (Q3) quartile.

Over the trailing 5-year window, UTI Short Duration Fund - Regular Plan - Monthly IDCW has delivered a CAGR of 2.17% — -1.13 pp behind the Short Duration Fund category average of 3.31%. The fund ranks #20 of 35 in its category — the third (Q3) quartile.

₹1 lakh invested in UTI Short Duration Fund - Regular Plan - Monthly IDCW exactly 10 years ago would be worth approximately ₹113,740 today — a multiplier of 1.14×, based on the 10-year CAGR of 1.30%. The category average over the same window would have grown ₹1 lakh to ₹125,744.

A ₹10,000 monthly SIP in UTI Short Duration Fund - Regular Plan - Monthly IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹612,996 today. That's an XIRR (money-weighted annualised return) of 0.84%.

A ₹10,000 monthly SIP for 10 years in UTI Short Duration Fund - Regular Plan - Monthly IDCW = ₹1,200,000 invested. It would currently be worth ₹1,314,649 (multiplier 1.10×). XIRR: 1.80%. 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 - Monthly IDCW ranks #20 out of 35 funds in the Short Duration Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 3.31%; this fund delivered 2.17%.

The worst peak-to-trough decline UTI Short Duration Fund - Regular Plan - Monthly IDCW has experienced over the last 5-year window is 2.59% — its NAV fell from a high on 02 Jun 2025 to a low on 02 Jun 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 - Regular Plan - Monthly IDCW averaged 1.89% (best 5.39%, worst -1.87%). 83% of rolling windows ended positive. The 5-year Sharpe ratio is -1.81 — negative risk-adjusted performance.

In calendar year 2025, UTI Short Duration Fund - Regular Plan - Monthly IDCW returned 1.09% — lagging the Short Duration Fund category average of 3.43% by 2.35 pp. It ranked #28 of 44 in its category that year.

UTI Short Duration Fund - Regular Plan - Monthly 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 - Monthly 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: 2.6%. 5-year CAGR: 2.17%.

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