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

We don't give personal investment advice. UTI Ultra 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: 2.8%. 5-year CAGR: 1.57%.

UTI

UTI Ultra Short Duration Fund - Regular Plan - Monthly IDCW

Latest NAV

₹1,109.8044

As of

3 Jun 2026

2,825 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	-0.42%	-0.01%	-0.42	68 / 68	Q4
1W	-0.27%	+0.09%	-0.36	67 / 68	Q4
2W	-0.27%	+0.08%	-0.35	67 / 68	Q4
1M	-0.62%	+0.10%	-0.72	66 / 68	Q4
3M	-0.52%	+0.66%	-1.18	67 / 68	Q4
6M	+0.26%	+1.06%	-0.80	27 / 68	Q2
YTD	-0.16%	+1.03%	-1.19	66 / 68	Q4
1Y	+2.76%	+1.67%	+1.09	22 / 68	Q2
2Y	+2.36%	+1.71%	+0.65	19 / 68	Q2
3Y	+2.67%	+1.73%	+0.94	20 / 67	Q2
4Y	+1.98%	+1.82%	+0.16	22 / 63	Q2
5Y	+1.57%	+1.74%	-0.17	23 / 61	Q2
7Y	+0.81%	+1.67%	-0.86	18 / 48	Q2
10Y	+0.51%	+1.51%	-1.00	15 / 28	Q3
Inception	+0.89%	+1.56%	-0.67	27 / 68	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	-0.16%	+0.62%	-0.78	56 / 58
2025	+4.23%	+1.68%	+2.55	13 / 58
2024	+1.62%	+2.18%	-0.56	22 / 59
2023	+2.15%	+2.14%	+0.01	23 / 60
2022	-1.68%	+1.48%	-3.16	58 / 58
2021	+0.11%	+0.94%	-0.83	26 / 51
2020	-0.64%	+1.79%	-2.43	51 / 54
2019	-2.46%	+1.35%	-3.80	40 / 44
2018	+0.70%	-1.34%	+2.04	12 / 33
2017	-0.34%	+1.37%	-1.71	31 / 32
2016	+1.68%	+2.02%	-0.35	9 / 27

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

+0.68%

131 windows

min -2.9% · max 4.7%

63% positive

3-Year rolling

+0.24%

107 windows

min -1.6% · max 2.9%

50% positive

5-Year rolling

-0.02%

82 windows

min -0.9% · max 1.6%

45% positive

7-Year rolling

-0.01%

58 windows

min -0.4% · max 0.8%

41% 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

1.01%

3-year · annualised

Sharpe ratio

-3.81

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.62%

May 2026 → Jun 2026

% positive months

86.1%

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
Invesco India Ultra Short Duration Fund - Regular Plan - Annual IDCW (Payout / Reinvestment)	Invesco	₹1,135.0363	3 Jun 2026
BANDHAN ULTRA SHORT DURATION FUND - REGULAR PLAN DAILY IDCW	Bandhan	₹10.0519	3 Jun 2026
Motilal Oswal Ultra Short Term Fund Regular - IDCW Daily Reinvestment	Motilal Oswal	₹11.4495	3 Jun 2026
Mirae Asset Ultra Short Duration Fund Regular IDCW	Mirae Asset	₹1,380.3485	3 Jun 2026
DSP BlackRock Money Manager Fund - Regular Plan - Daily Dividend Reinvest	DSP BlackRock	₹1,005.4914	3 Jun 2026
DSP Ultra Short Fund - Regular Plan - IDCW - Monthly	DSP	₹1,079.6373	3 Jun 2026
HSBC Ultra Short Duration Fund - Regular Daily IDCW	HSBC	₹1,031.7278	3 Jun 2026
Baroda BNP Paribas Ultra Short Duratio Fund- Regular Plan- Weekly IDCW	Baroda BNP Paribas	₹1,000.1417	3 Jun 2026
CANARA ROBECO ULTRA SHORT TERM FUND - REGULAR PLAN - MONTHLY IDCW (Payout/Reinvestment)	Canara Robeco	₹1,001.8780	3 Jun 2026
UTI Ultra Short Duration Fund - Regular Plan - Annual IDCW	UTI	₹1,458.4141	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹1,109.8044
2 Jun 2026	₹1,109.6075
1 Jun 2026	₹1,114.3325
29 May 2026	₹1,113.5300
27 May 2026	₹1,112.7758
26 May 2026	₹1,112.5700
25 May 2026	₹1,112.6885
22 May 2026	₹1,112.1537
21 May 2026	₹1,112.0356
20 May 2026	₹1,112.4201

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 - Regular Plan - Monthly IDCW is ₹1,109.8044. It's a Ultra Short Duration Fund from UTI, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

UTI Ultra Short Duration Fund - Regular Plan - Monthly IDCW has NAV history starting from 18 Sep 2014, a track record of about 11 years 8 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 - Regular Plan - Monthly 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 - Regular Plan - Monthly IDCW has delivered a absolute return of 2.76% — +1.09 pp ahead of the Ultra Short Duration Fund category average of 1.67%. The fund ranks #22 of 68 in its category — the second (Q2) quartile.

Over the trailing 3-year window, UTI Ultra Short Duration Fund - Regular Plan - Monthly IDCW has delivered a CAGR of 2.67% — +0.94 pp ahead of the Ultra Short Duration Fund category average of 1.73%. The fund ranks #20 of 67 in its category — the second (Q2) quartile.

Over the trailing 5-year window, UTI Ultra Short Duration Fund - Regular Plan - Monthly IDCW has delivered a CAGR of 1.57% — -0.17 pp behind the Ultra Short Duration Fund category average of 1.74%. The fund ranks #23 of 61 in its category — the second (Q2) quartile.

₹1 lakh invested in UTI Ultra Short Duration Fund - Regular Plan - Monthly IDCW exactly 10 years ago would be worth approximately ₹105,219 today — a multiplier of 1.05×, based on the 10-year CAGR of 0.51%. The category average over the same window would have grown ₹1 lakh to ₹116,126.

A ₹10,000 monthly SIP in UTI Ultra Short Duration Fund - Regular Plan - Monthly IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹631,924 today. That's an XIRR (money-weighted annualised return) of 2.04%.

A ₹10,000 monthly SIP for 10 years in UTI Ultra Short Duration Fund - Regular Plan - Monthly IDCW = ₹1,200,000 invested. It would currently be worth ₹1,261,055 (multiplier 1.05×). XIRR: 0.98%. 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 - Regular Plan - Monthly IDCW ranks #23 out of 61 funds in the Ultra Short Duration Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 1.74%; this fund delivered 1.57%.

The worst peak-to-trough decline UTI Ultra Short Duration Fund - Regular Plan - Monthly IDCW has experienced over the last 5-year window is 2.77% — its NAV fell from a high on 01 Oct 2021 to a low on 02 Nov 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 - Regular Plan - Monthly IDCW averaged -0.02% (best 1.65%, worst -0.87%). 45% of rolling windows ended positive. The 5-year Sharpe ratio is -2.70 — negative risk-adjusted performance.

In calendar year 2025, UTI Ultra Short Duration Fund - Regular Plan - Monthly IDCW returned 4.23% — beating the Ultra Short Duration Fund category average of 1.68% by 2.55 pp. It ranked #13 of 58 in its category that year.

UTI Ultra 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 Ultra 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: 2.8%. 5-year CAGR: 1.57%.

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