Sharpe ratio
0.40Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+5.74%1Y Absolute Return
+0.01%1D
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Past performance is not an indicator of future returns.
Returns calculator comparison
Compare an illustrative investment outcome across return assumptions.
| Asset | Projected corpus | Total invested | Gain | Annual return |
|---|---|---|---|---|
| UTI - Floater Fund - Direct Plan - Growth OptionFund 5Y annualised return | ₹8,54,654 | ₹7,32,612 | ₹1,22,042 | +6.39% |
| EPFIllustrative annual assumption | ₹8,95,132 | ₹7,32,612 | ₹1,62,520 | +8.25% |
| Residential propertyIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| PPFIllustrative annual assumption | ₹8,69,819 | ₹7,32,612 | ₹1,37,207 | +7.10% |
| Bank fixed depositIllustrative annual assumption | ₹8,56,981 | ₹7,32,612 | ₹1,24,369 | +6.50% |
| GoldIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| Savings accountIllustrative annual assumption | ₹7,86,827 | ₹7,32,612 | ₹54,215 | +3.00% |
Illustration only. Fund results use the available NAV-derived annualised return and can be negative. Reference rows are assumptions, not current quoted rates or guaranteed returns; property excludes transaction costs, taxes, and liquidity constraints. Mutual fund investments are subject to market risk.
Wealth multiple
₹1 became₹1.07
₹1 Lakh since launch₹1.07 Lakh
Fund age8.0 yrs
Fund information
Scheme code145295
ISININF789F1ACX5
BenchmarkCRISIL Short Duration Debt A-II Index
CategoryDebt Scheme - Floater Fund
Expense ratio0.42%
Exit loadNil
Minimum SIP₹500 SIP
Return comparison
14th / 100 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +5.61% | — | — |
| 3M | +4.21% | — | — |
| 6M | +6.28% | — | — |
| 1Y | +5.74% | — | +3.13% |
| 3Y | +7.01% | — | +4.47% |
| 5Y | +6.39% | — | +3.97% |
| Since Launch | +6.79% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
1.01Return earned while limiting downside risk.
Good
Good downside protection with strong returns.
Standard deviation
0.63%How much the fund’s returns fluctuate over time.
Low volatility
Returns have been relatively stable.
Beta
—How closely the fund moves with the market.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Alpha
—Extra return generated above the benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Treynor ratio
—Return earned for each unit of market risk taken.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Calmar ratio
4.64How well the fund rewarded investors relative to its biggest decline.
Excellent
Excellent balance between returns and drawdowns.
Information ratio
—How consistently the fund outperformed its benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Portfolio allocation
Latest disclosed portfolio mix
Asset allocation
Portfolio100%
Debt96.55%
Cash3.45%
Market cap allocation
Market-cap classifications were not present in the latest portfolio disclosure.
Sector allocation
Equity exposure by sector
Top holdings
10 of 44 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| CENTRAL GOVERNMENT LOAN 30814 GOI FRB 04OT28 FV RS 100 | Entities | GOI Securities | 6.4764% |
| HDFC BANK LIMITED CD 14DEC26 | Financial | Certificate of Deposit | 6.2299% |
| CANARA BANK CD 22JAN27 | Financial | Certificate of Deposit | 6.1854% |
| EXPORT IMPORT BANK OF INDIA 363D CP 25JAN27 | Financial | Commercial Paper | 4.6356% |
| Net Current Assets | Unspecified | Net Current Assets | 3.4491% |
| SUMMIT DIGITEL INFRASTRUCTURE LIMITED 8.06 NCD 29JN29 FVRS1LAC | Technology | Debenture | 3.2663% |
| NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 24E 7.80 BD 15MR27 FVRS1LAC | Financial | Debenture | 3.2224% |
| REC LIMITED SR 231A 7.64 BD 30AP27 FVRS1LAC | Financial | Non Convertible Debenture | 3.2201% |
| INDIAN RAILWAY FINANCE CORPORATION LIMITED SR 171 7.23 BD 15OT26 FVRS1LAC | Financial | Debenture | 3.2135% |
| SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA SR II 7.44 BD 04SP26 FVRS1LAC | Financial | Debenture | 3.2129% |
Fund management
PA
Pankaj Pathak
Since 2025 · Prior to joining UTI AMC, he has worked with Quantum Asset Management Company and Bank of Maharashtra in Treasury Department.
Mr. Pankaj is a CFA (CFA Institute, USA) and PG Diploma in Banking & Finance (NIBM, Pune).
Compare similar funds
No comparable category funds are available yet.
Summary
A low to moderate-risk debt scheme - floater fund. Losses and swings stayed contained — worst fall -1.5%, volatility 0.6%. Financial makes up 68% — trouble in that sector hits the whole fund.
Strengths
- Losses and swings stayed contained — worst fall -1.5%, volatility 0.6%.
- Recovered from its worst fall in 0 months.
- Ranks 14 of 100 in its category over 1 year.
Weaknesses
- None
Ideal investor
- Needs a 1–3 years depending on duration horizon to ride out its low to moderate risk level.
Risk drivers
- Financial makes up 68% — trouble in that sector hits the whole fund.