Should I invest in UTI Ultra Short Duration Fund?

We don't give personal investment advice. UTI Ultra Short Duration Fund - Direct Plan - 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: 0.2%. 5-year CAGR: 7.07%.

UTI

UTI Ultra Short Duration Fund - Direct Plan - Growth Option

Latest NAV

₹4,862.5579

As of

17 Jul 2026

3,267 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	+0.05%	+0.05%	0.00	14 / 27	Q3
1W	+0.09%	+0.10%	-0.01	14 / 27	Q3
2W	+0.13%	+0.12%	+0.01	9 / 27	Q2
1M	+0.65%	+0.62%	+0.03	11 / 27	Q2
3M	+1.63%	+1.70%	-0.07	8 / 27	Q2
6M	+3.44%	+3.54%	-0.10	14 / 27	Q3
YTD	+3.55%	+3.71%	-0.16	13 / 27	Q2
1Y	+6.46%	+6.56%	-0.10	12 / 27	Q2
2Y	+7.22%	+7.10%	+0.13	10 / 27	Q2
3Y	+7.32%	+7.15%	+0.16	10 / 26	Q2
4Y	+7.17%	+7.08%	+0.09	13 / 26	Q2
5Y	+7.07%	+6.52%	+0.56	2 / 25	Q1
7Y	+6.68%	+6.40%	+0.28	4 / 20	Q1
10Y	+6.62%	+6.50%	+0.12	6 / 11	Q3
Inception	+7.40%	+6.83%	+0.57	4 / 27	Q1

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	+3.55%	+3.54%	+0.00	11 / 25
2025	+7.27%	+7.21%	+0.06	11 / 25
2024	+7.77%	+7.61%	+0.16	7 / 24
2023	+7.30%	+7.20%	+0.09	12 / 24
2022	+4.79%	+4.77%	+0.02	15 / 25
2021	+6.67%	+4.42%	+2.25	3 / 23
2020	+5.80%	+5.72%	+0.08	10 / 22
2019	+3.82%	+7.27%	-3.45	16 / 18
2018	+7.56%	+6.38%	+1.18	9 / 13
2017	+7.28%	+7.15%	+0.13	5 / 13
2016	+9.42%	+8.94%	+0.48	4 / 12

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

+7.34%

153 windows

min 2.7% · max 10.4%

100% positive

3-Year rolling

+7.10%

129 windows

min 4.9% · max 9.7%

100% positive

5-Year rolling

+6.85%

105 windows

min 5.7% · max 9.1%

100% positive

7-Year rolling

+6.72%

80 windows

min 6.1% · max 8.1%

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

0.42%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.06%

Jul 2026 → Jul 2026

% positive months

100.0%

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 Ultra Short Duration Fund

Scheme	Fund house	NAV	As of
HDFC Ultra Short Term Fund - Direct Plan-Growth Option	HDFC	₹16.5215	17 Jul 2026
Nippon India Ultra Short Duration Fund- Direct Plan- Growth Option	Nippon India	₹4,766.7333	17 Jul 2026
SBI ULTRA SHORT DURATION FUND - DIRECT PLAN - GROWTH	SBI	₹6,490.9293	17 Jul 2026
ICICI Prudential Ultra Short Term Fund - Direct Plan - Growth	ICICI Prudential	₹32.0719	17 Jul 2026
Invesco India Ultra Short Duration Fund - Direct Plan - Growth	Invesco	₹3,079.7706	17 Jul 2026
BANDHAN ULTRA SHORT DURATION FUND - DIRECT PLAN GROWTH	Bandhan	₹16.4531	17 Jul 2026
Aditya Birla Sun Life Savings Fund - Growth - Direct Plan	Aditya Birla Sun Life	₹597.3794	17 Jul 2026
Motilal Oswal Ultra Short Term Fund (MOFUSTF) -Direct Plan- Growth	Motilal Oswal	₹18.5612	17 Jul 2026
Franklin India Ultra Short Duration Fund - Direct - Growth	Franklin India	₹11.4052	17 Jul 2026
Mirae Asset Ultra Short Duration Fund Direct Growth	Mirae Asset	₹1,415.5347	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹4,862.5579
16 Jul 2026	₹4,860.2346
15 Jul 2026	₹4,858.4699
14 Jul 2026	₹4,857.6418
13 Jul 2026	₹4,859.7642
10 Jul 2026	₹4,858.0867
9 Jul 2026	₹4,856.6420
8 Jul 2026	₹4,854.7165
7 Jul 2026	₹4,855.8504
6 Jul 2026	₹4,857.7467

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 Ultra Short Duration Fund - Direct Plan - Growth Option is ₹4,862.5579. It's a Ultra Short Duration Fund from UTI, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

UTI Ultra Short Duration Fund - Direct Plan - Growth Option has NAV history starting from 02 Jan 2013, a track record of about 13 years 6 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 Ultra Short Duration Fund - Direct Plan - Growth Option is managed by UTI. It's classified by AMFI under the 'Ultra Short Duration Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, UTI Ultra Short Duration Fund - Direct Plan - Growth Option has delivered a absolute return of 6.46% — -0.1 pp behind the Ultra Short Duration Fund category average of 6.56%. The fund ranks #12 of 27 in its category — the second (Q2) quartile.

Over the trailing 3-year window, UTI Ultra Short Duration Fund - Direct Plan - Growth Option has delivered a CAGR of 7.32% — +0.16 pp ahead of the Ultra Short Duration Fund category average of 7.15%. The fund ranks #10 of 26 in its category — the second (Q2) quartile.

Over the trailing 5-year window, UTI Ultra Short Duration Fund - Direct Plan - Growth Option has delivered a CAGR of 7.07% — +0.56 pp ahead of the Ultra Short Duration Fund category average of 6.52%. The fund ranks #2 of 25 in its category — the top (Q1) quartile.

₹1 lakh invested in UTI Ultra Short Duration Fund - Direct Plan - Growth Option exactly 10 years ago would be worth approximately ₹189,777 today — a multiplier of 1.90×, based on the 10-year CAGR of 6.62%. The category average over the same window would have grown ₹1 lakh to ₹187,740.

A ₹10,000 monthly SIP in UTI Ultra Short Duration Fund - Direct Plan - Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹718,129 today. That's an XIRR (money-weighted annualised return) of 7.12%.

A ₹10,000 monthly SIP for 10 years in UTI Ultra Short Duration Fund - Direct Plan - Growth Option = ₹1,200,000 invested. It would currently be worth ₹1,686,982 (multiplier 1.41×). XIRR: 6.63%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, UTI Ultra Short Duration Fund - Direct Plan - Growth Option ranks #2 out of 25 funds in the Ultra Short Duration Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 6.52%; this fund delivered 7.07%.

The worst peak-to-trough decline UTI Ultra Short Duration Fund - Direct Plan - Growth Option has experienced over the last 5-year window is 0.23% — 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 Ultra Short Duration Fund - Direct Plan - Growth Option averaged 6.85% (best 9.13%, worst 5.67%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.30 — weak risk-adjusted performance.

In calendar year 2025, UTI Ultra Short Duration Fund - Direct Plan - Growth Option returned 7.27% — beating the Ultra Short Duration Fund category average of 7.21% by 0.06 pp. It ranked #11 of 25 in its category that year.

UTI Ultra Short Duration Fund - Direct Plan - 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 Ultra Short Duration Fund - Direct Plan - 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: 0.2%. 5-year CAGR: 7.07%.

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

UTI Ultra Short Duration Fund - Direct Plan - Growth Option

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Ultra Short Duration Fund

Recent NAVs

Frequently asked questions

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