Should I invest in UTI - Short Term Income Fund -Institutional Growth Option?

We don't give personal investment advice. UTI - Short Term Income Fund -Institutional Growth 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. Worst 5-year drawdown: 0.7%. 5-year CAGR: 6.84%.

UTI

UTI - Short Term Income Fund -Institutional Growth Option

Latest NAV

₹33.0138

As of

3 Jun 2026

4,240 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%	-6.69%	+6.76	5 / 15	Q2
1W	+0.22%	+5.12%	-4.91	11 / 15	Q3
2W	+0.29%	+5.30%	-5.01	10 / 15	Q3
1M	+0.15%	+6.64%	-6.50	8 / 15	Q3
3M	+0.44%	+6.86%	-6.42	6 / 15	Q2
6M	+1.36%	+7.80%	-6.44	6 / 15	Q2
YTD	+1.18%	+7.91%	-6.72	6 / 15	Q2
1Y	+3.94%	+9.10%	-5.17	6 / 15	Q2
2Y	+6.49%	+2.01%	+4.49	7 / 15	Q2
3Y	+6.66%	+0.26%	+6.40	4 / 15	Q2
4Y	+6.63%	-0.19%	+6.82	3 / 15	Q1
5Y	+6.84%	-0.84%	+7.68	3 / 15	Q1
7Y	+6.97%	-1.39%	+8.36	3 / 15	Q1
10Y	+6.01%	-2.05%	+8.06	6 / 15	Q2
Inception	+6.59%	-3.41%	+10.00	4 / 13	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%	+0.91%	+0.28	2 / 8
2025	+7.32%	+27.18%	-19.86	8 / 9
2024	+7.86%	+6.02%	+1.84	2 / 9
2023	+6.92%	+5.91%	+1.01	1 / 9
2022	+3.77%	+3.42%	+0.36	2 / 9
2021	+8.34%	+4.48%	+3.86	2 / 9
2020	+10.39%	+5.70%	+4.70	1 / 13
2019	-3.89%	+1.27%	-5.16	11 / 14
2018	+5.91%	-4.01%	+9.92	2 / 15
2017	+5.92%	+2.34%	+3.58	2 / 15
2016	+9.97%	+4.68%	+5.29	2 / 15

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

+7.46%

196 windows

min -6.6% · max 12.8%

94% positive

3-Year rolling

+7.21%

179 windows

min 2.3% · max 10.7%

100% positive

5-Year rolling

+7.17%

155 windows

min 4.6% · max 10.2%

100% positive

7-Year rolling

+6.97%

130 windows

min 5.2% · max 9.7%

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

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
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 HORIZON DEBT FUND-SHORT TERM FUND INSTITUTIONAL DIVIDEND FORTNIGHTLY	SBI	₹15.1445	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	₹33.0138
2 Jun 2026	₹33.0131
1 Jun 2026	₹32.9914
29 May 2026	₹32.9734
27 May 2026	₹32.9525
26 May 2026	₹32.9418
25 May 2026	₹32.9355
22 May 2026	₹32.8863
21 May 2026	₹32.8686
20 May 2026	₹32.8982

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 Term Income Fund -Institutional Growth Option is ₹33.0138. It's a Short Duration Fund from UTI, run as a Institutional plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

UTI - Short Term Income Fund -Institutional Growth Option has NAV history starting from 19 Sep 2007, a track record of about 18 years 8 months. Long-tenured funds like this have weathered multiple market cycles — the 2008 crash, 2013 taper tantrum, 2020 COVID drawdown — which makes their returns more credible than a 3-year track record alone.

UTI - Short Term Income Fund -Institutional Growth 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 Term Income Fund -Institutional Growth Option has delivered a absolute return of 3.94% — -5.17 pp behind the Short Duration Fund category average of 9.10%. The fund ranks #6 of 15 in its category — the second (Q2) quartile.

Over the trailing 3-year window, UTI - Short Term Income Fund -Institutional Growth Option has delivered a CAGR of 6.66% — +6.4 pp ahead of the Short Duration Fund category average of 0.26%. The fund ranks #4 of 15 in its category — the second (Q2) quartile.

Over the trailing 5-year window, UTI - Short Term Income Fund -Institutional Growth Option has delivered a CAGR of 6.84% — +7.68 pp ahead of the Short Duration Fund category average of -0.84%. The fund ranks #3 of 15 in its category — the top (Q1) quartile.

₹1 lakh invested in UTI - Short Term Income Fund -Institutional Growth Option exactly 10 years ago would be worth approximately ₹179,321 today — a multiplier of 1.79×, based on the 10-year CAGR of 6.01%. The category average over the same window would have grown ₹1 lakh to ₹81,309.

A ₹10,000 monthly SIP in UTI - Short Term Income Fund -Institutional Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹706,046 today. That's an XIRR (money-weighted annualised return) of 6.44%.

A ₹10,000 monthly SIP for 10 years in UTI - Short Term Income Fund -Institutional Growth Option = ₹1,200,000 invested. It would currently be worth ₹1,641,564 (multiplier 1.37×). XIRR: 6.10%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, UTI - Short Term Income Fund -Institutional Growth Option ranks #3 out of 15 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 -0.84%; this fund delivered 6.84%.

The worst peak-to-trough decline UTI - Short Term Income Fund -Institutional Growth Option has experienced over the last 5-year window is 0.72% — its NAV fell from a high on 02 May 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 Term Income Fund -Institutional Growth Option averaged 7.17% (best 10.22%, worst 4.60%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.08 — weak risk-adjusted performance.

In calendar year 2025, UTI - Short Term Income Fund -Institutional Growth Option returned 7.32% — lagging the Short Duration Fund category average of 27.18% by 19.86 pp. It ranked #8 of 9 in its category that year.

UTI - Short Term Income Fund -Institutional Growth 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 Term Income Fund -Institutional Growth 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. Worst 5-year drawdown: 0.7%. 5-year CAGR: 6.84%.

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

UTI - Short Term Income Fund -Institutional Growth Option

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Short Duration Fund

Recent NAVs

Frequently asked questions

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