Should I invest in UTI Ultra Short Duration Fund - Quarterly IDCW?

We don't give personal investment advice. UTI Ultra Short Duration Fund - Direct Plan - Quarterly 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: 0.2%. 5-year CAGR: 6.94%.

UTI

UTI Ultra Short Duration Fund - Direct Plan - Quarterly IDCW

Latest NAV

₹1,996.8881

As of

3 Jun 2026

2,789 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	+0.03%	+0.00%	+0.02	37 / 102	Q2
1W	+0.19%	-1.81%	+2.01	38 / 104	Q2
2W	+0.20%	+0.12%	+0.08	22 / 102	Q1
1M	+0.33%	+0.20%	+0.13	23 / 102	Q1
3M	+1.44%	+0.79%	+0.65	29 / 102	Q2
6M	+2.88%	+1.31%	+1.57	29 / 99	Q2
YTD	+2.39%	+1.32%	+1.07	27 / 100	Q2
1Y	+6.26%	-1.59%	+7.85	20 / 103	Q1
2Y	+7.10%	-1.79%	+8.88	18 / 99	Q1
3Y	+7.24%	+2.26%	+4.98	13 / 95	Q1
4Y	+7.05%	+2.16%	+4.90	13 / 90	Q1
5Y	+6.94%	+2.02%	+4.92	3 / 89	Q1
7Y	+6.50%	+1.83%	+4.67	2 / 74	Q1
10Y	+6.63%	+2.04%	+4.59	2 / 36	Q1
Inception	+6.15%	-2.03%	+8.18	12 / 106	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	+2.39%	+0.69%	+1.70	16 / 80
2025	+7.27%	+1.97%	+5.30	8 / 80
2024	+7.77%	+2.28%	+5.50	7 / 80
2023	+7.30%	+2.52%	+4.77	13 / 78
2022	+4.79%	+1.51%	+3.28	7 / 86
2021	+6.67%	-3.45%	+10.12	4 / 82
2020	+5.80%	+0.98%	+4.83	7 / 85
2019	+3.82%	+1.58%	+2.23	18 / 72
2018	+7.57%	+0.60%	+6.96	7 / 49
2017	+7.28%	+1.82%	+5.46	6 / 49
2016	+7.34%	+1.85%	+5.48	7 / 40

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

+6.28%

129 windows

min 1.5% · max 8.8%

100% positive

3-Year rolling

+6.30%

105 windows

min 4.8% · max 7.9%

100% positive

5-Year rolling

+6.15%

81 windows

min 5.4% · max 6.9%

100% positive

7-Year rolling

+6.15%

56 windows

min 5.7% · max 6.5%

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

0.31%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.05%

May 2026 → May 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-Daily IDCW Option	HDFC	₹10.0920	3 Jun 2026
NIPPON INDIA ULTRA SHORT DURATION FUND - DIRECT Plan - DAILY IDCW OPTION	Nippon India	₹1,114.1500	3 Jun 2026
SBI Ultra Short Duration Fund - Direct Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹2,399.9423	3 Jun 2026
ICICI Prudential Ultra Short Term Fund - Direct Plan - Monthly IDCW	ICICI Prudential	₹10.7924	3 Jun 2026
Invesco India Ultra Short Duration Fund - Direct Plan - Annual IDCW (Payout / Reinvestment)	Invesco	₹2,168.5662	3 Jun 2026
BANDHAN ULTRA SHORT DURATION FUND - DIRECT PLAN -MONTHLY IDCW	Bandhan	₹10.0561	3 Jun 2026
Aditya Birla Sun Life Savings Fund-DIRECT - DAILY IDCW	Aditya Birla Sun Life	₹100.1187	3 Jun 2026
Motilal Oswal Ultra Short Term Fund Direct - IDCW Daily Reinvestment	Motilal Oswal	₹11.7326	3 Jun 2026
Franklin India Ultra Short Duration Fund - Direct - IDCW	Franklin India	₹10.7529	3 Jun 2026
Mirae Asset Ultra Short Duration Fund Direct IDCW	Mirae Asset	₹1,398.5715	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹1,996.8881
2 Jun 2026	₹1,996.5013
1 Jun 2026	₹1,995.9765
29 May 2026	₹1,994.4420
27 May 2026	₹1,993.0265
26 May 2026	₹1,992.6255
25 May 2026	₹1,992.8056
22 May 2026	₹1,991.7512
21 May 2026	₹1,991.5076
20 May 2026	₹1,992.1638

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 Ultra Short Duration Fund - Direct Plan - Quarterly IDCW is ₹1,996.8881. It's a Ultra Short Duration Fund from UTI, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

UTI Ultra Short Duration Fund - Direct Plan - Quarterly IDCW has NAV history starting from 07 Nov 2014, a track record of about 11 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 - Quarterly IDCW 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 - Quarterly IDCW has delivered a absolute return of 6.26% — +7.85 pp ahead of the Ultra Short Duration Fund category average of -1.59%. The fund ranks #20 of 103 in its category — the top (Q1) quartile.

Over the trailing 3-year window, UTI Ultra Short Duration Fund - Direct Plan - Quarterly IDCW has delivered a CAGR of 7.24% — +4.98 pp ahead of the Ultra Short Duration Fund category average of 2.26%. The fund ranks #13 of 95 in its category — the top (Q1) quartile.

Over the trailing 5-year window, UTI Ultra Short Duration Fund - Direct Plan - Quarterly IDCW has delivered a CAGR of 6.94% — +4.92 pp ahead of the Ultra Short Duration Fund category average of 2.02%. The fund ranks #3 of 89 in its category — the top (Q1) quartile.

₹1 lakh invested in UTI Ultra Short Duration Fund - Direct Plan - Quarterly IDCW exactly 10 years ago would be worth approximately ₹190,000 today — a multiplier of 1.90×, based on the 10-year CAGR of 6.63%. The category average over the same window would have grown ₹1 lakh to ₹122,390.

A ₹10,000 monthly SIP in UTI Ultra Short Duration Fund - Direct Plan - Quarterly IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹715,905 today. That's an XIRR (money-weighted annualised return) of 6.99%.

A ₹10,000 monthly SIP for 10 years in UTI Ultra Short Duration Fund - Direct Plan - Quarterly IDCW = ₹1,200,000 invested. It would currently be worth ₹1,681,047 (multiplier 1.40×). XIRR: 6.56%. 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 - Quarterly IDCW ranks #3 out of 89 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 2.02%; this fund delivered 6.94%.

The worst peak-to-trough decline UTI Ultra Short Duration Fund - Direct Plan - Quarterly IDCW 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 - Quarterly IDCW averaged 6.15% (best 6.94%, worst 5.44%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.21 — weak risk-adjusted performance.

In calendar year 2025, UTI Ultra Short Duration Fund - Direct Plan - Quarterly IDCW returned 7.27% — beating the Ultra Short Duration Fund category average of 1.97% by 5.30 pp. It ranked #8 of 80 in its category that year.

UTI Ultra Short Duration Fund - Direct Plan - Quarterly 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 Ultra Short Duration Fund - Direct Plan - Quarterly 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: 0.2%. 5-year CAGR: 6.94%.

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 - Quarterly IDCW

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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