Sharpe ratio
0.18Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+5.86%1Y Absolute Return
-0.01%1D
Loading NAV history…
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 Low Duration Fund - Direct Plan - Growth OptionFund 5Y annualised return | ₹8,58,254 | ₹7,32,612 | ₹1,25,642 | +6.56% |
| 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 age13.9 yrs
Fund information
Scheme code120735
ISININF789F01XI3
BenchmarkNIFTY Low Duration Debt Index A-I
CategoryDebt Scheme - Low Duration Fund
Expense ratio0.33%
Exit loadNil
Minimum SIP₹500 SIP
Return comparison
27th / 226 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +5.24% | — | — |
| 3M | +4.75% | — | — |
| 6M | +6.57% | — | — |
| 1Y | +5.86% | — | +2.45% |
| 3Y | +7.17% | — | +3.20% |
| 5Y | +6.56% | — | +3.00% |
| 10Y | +5.99% | — | — |
| Since Launch | +6.91% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
0.20Return earned while limiting downside risk.
Moderate
Moderate downside risk-adjusted performance.
Standard deviation
0.61%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
0.57How well the fund rewarded investors relative to its biggest decline.
Good
Good return relative to the drawdowns experienced.
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%
Debt95.08%
Cash4.92%
Market cap allocation
Market-cap classifications were not present in the latest portfolio disclosure.
Sector allocation
Equity exposure by sector
Top holdings
10 of 45 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 24E 7.80 BD 15MR27 FVRS1LAC | Financial | Debenture | 8.1609% |
| GOVERNMENT OF INDIA 36814 364 DAYS TBILL 10DC26 FV RS 100 | Financial | Treasury Bills | 7.9405% |
| REC LIMITED SR 230-A 7.71 BD 26FB27 FVRS1LAC | Financial | Bonds | 5.7078% |
| Net Current Assets | Unspecified | Net Current Assets | 4.9216% |
| EMBASSY OFFICE PARKS REIT SR V TR B 7.05 NCD 18OT26 FVRS10LAC | Real Estate | Non Convertible Debenture | 4.8758% |
| MAHINDRA RURAL HOUSING FINANCE LIMITED SR MRHFLDD2023 8.45 NCD 22JN27 FVRS1LAC | Financial | Debenture | 4.0854% |
| JAMNAGAR UTILITIES & POWER PRIVATE LIMITED SR PPD 6 6.40 LOA 29SP26 FVRS10LAC | Industrials | Non Convertible Debenture | 4.0579% |
| SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA CD 28JAN27 | Financial | Certificate of Deposit | 3.9091% |
| EMBASSY OFFICE PARKS REIT SR IV TR I 6.80 NCD 07SP26 FVRS10LAC | Real Estate | Non Convertible Debenture | 3.6561% |
| POONAWALLA FINCORP LIMITED SR G1 TR 1 7.55 NCD 25MR27 FVRS1LAC | Financial | Debenture | 3.0438% |
Fund management
AN
Anurag Mittal
Since 2021 · Prior to joining UTI Mutual Fund, he worked with IDFC AMC, HDFC AMC ( Sept. 2012 - Oct. 2015), Axis AMC (July 2009 - Sept. 2012), ICICI Prudential Life Insurance Company Ltd. as Credit Research Analyst (2008-2009) and with Bank of America in Corporate Banking (2006-2008).
Mr. Mittal is B.Com. (Hons), CA and M.Sc. in Accounting and Finance (specialization in Finance) from London School of Economics & Political Science.
Compare similar funds
No comparable category funds are available yet.
Summary
A low to moderate-risk debt scheme - low duration fund. Ranks 27 of 226 in its category over 1 year. Has fallen sharply before — down -12.1% at its worst.
Strengths
- Ranks 27 of 226 in its category over 1 year.
Weaknesses
- Has fallen sharply before — down -12.1% at its worst.
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 66% — trouble in that sector hits the whole fund.