UTI Low Duration Fund - Regular Plan - Half Yearly
NAV history
Scorecard
★★★★★5/5 vs 90 of 91 Low Duration Fund peers- Performance 60%
- Risk 15%
- Cost 10%
- Downside 15%
How this is computed
Each verdict is computed from this fund's own metrics against its sub-category — the number behind it is shown, not a black-box rating. The stars weight the same ground 60/15/10/15 (performance/risk/cost/downside) across every fund in the peer group. Ranked within Low Duration Fund (same plan and option). 90 of the 91 Low Duration Funds in this cohort carry the full record the stars need, so they are the ones ranked against.
3Y CAGR +7.19% · ranks 1 of 91 Low Duration Funds
Volatility 0.5% vs 1.4% category avg
0.4% expense vs 0.8% category avg
75% of rolling 3Y windows were positive
Strengths & concerns
Generated from this fund's own numbers against its sub-category — each point names the figure behind it.
Strengths
- Ahead of the Low Duration Fund average on 3M/6M/1Y — 1Y by 4.65pp
- 3-year return (+7.19%) beats the Low Duration Fund average (+2.03%)
- 5-year return (+7.39%) beats the Low Duration Fund average (+1.96%)
- Ranks #8 of 91 on 1-year return in its Low Duration Fund cohort
- Less volatile than its Low Duration Fund peers (0.5% vs 1.4%)
Concerns
No significant concerns identified.
Key Metrics
Scheme Info
DefinitionsPeriod returns (<1Y, absolute — not annualized)
DefinitionsAnnualized returns (≥1Y — CAGR)
DefinitionsAdvanced metrics — risk
Risk (trailing 3Y)
DefinitionsBenchmark ratios
Not shown for Low Duration Fund — a debt, arbitrage or cash-like fund isn't measured against an equity index, so alpha/beta vs one would be noise rather than signal.
Fund vs category average (Low Duration Fund)
| Period | Fund | Category avg. | Diff |
|---|---|---|---|
| 1M abs | +0.54% | +0.10% | +0.44% |
| 3M abs | +2.03% | +0.59% | +1.44% |
| 6M abs | +3.08% | +0.59% | +2.49% |
| 1Y CAGR | +6.13% | +1.48% | +4.65% |
| 3Y CAGR | +7.19% | +2.03% | +5.16% |
| 5Y CAGR | +7.39% | +1.96% | +5.43% |
Category average across peers in Low Duration Fund (up to 91 funds with data), same plan and option, excluding this fund. Under-1-year figures are absolute; 1Y and beyond are annualised (CAGR).
Not sure what a figure means? The glossary explains every metric, and the methodology shows the formulas.
Category rank
Vs 91 peers in Low Duration Fund
Rolling returns
Return for every possible 1Y holding period, not just today’s
115 overlapping 1Y windows, sampled monthly across the fund’s history.
Worst falls, and the wait to get back
How far this fund has dropped from a high, and how long it took to reclaim it.
- -13.6%25 Mar 2019 → 07 Jun 2019
Fell over 2 months, back to the old high on 29 Sep 2021 — 2.3 years under water after the low.
Measured on this fund’s own NAV history, peak to trough to the day it regained the peak. Falls shallower than 5% are left out. A recovery date is when the NAV got back, not when any particular investor did — that depends on when they bought.
Calendar-year returns
What the fund actually returned in each year, not the smoothed average.
| Year | Fund | |
|---|---|---|
| 2026part | +3.83% | |
| 2025 | +7.56% | |
| 2024 | +7.69% | |
| 2023 | +7.12% | |
| 2022 | +4.48% | |
| 2021 | +5.87% | |
| 2020 | +5.26% | |
| 2019 | -6.85% | |
| 2018 | +2.33% | |
| 2017 | +0.13% |
January–December, from this fund's NAV history. Absolute return, not annualised. “part” marks a year the fund didn't run end to end — its first year, the current year so far, or one it stopped reporting in.
Fund size over time
Quarterly average AUM · AMFIAt or near its largest, ₹2,900Cr in April - June 2026. Size matters most where the mandate is narrow — a large small-cap or a very large flexi-cap book is harder to move without moving the price.
Backtest this fund
What a SIP or one-time investment would have grown to over this fund’s real NAV history.
60 monthly installments of ₹10,000 into UTI Low Duration Fund - Regular Plan - Half Yearly, valued at the latest NAV. XIRR annualizes for each installment’s timing.
Taxation
Taxed as debtThis is a debt / non-equity fund. Since April 2023 there is no long-term or indexation benefit — every rupee of gain is added to your income and taxed at your income-tax slab rate, whatever the holding period.
Your income-tax slab — no LTCG or indexation benefit
Pick your slab to see the rate that applies to you.
Applies to capital gains on redemption. Excludes IDCW/dividend tax, STT, surcharge and cess, and pre-2018 equity grandfathering. For research only — consult a tax advisor before filing.
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Returns and risk are computed from NAV history and may differ slightly from other portals due to methodology (rolling vs point-to-point, dividend treatment). For research only — not investment advice.
About Debt funds
Debt funds lend money to governments and companies and earn interest. They're generally steadier than equity funds; their risk comes from interest-rate moves and, for some, the creditworthiness of borrowers.
Frequently asked questions
What is the NAV of UTI Low Duration Fund - Regular Plan - Half Yearly?
As of 20 Aug 2026, the NAV of UTI Low Duration Fund - Regular Plan - Half Yearly is ₹1,502.13 per unit. NAV (net asset value) is the fund's per-unit price, published once each business day.
What returns has UTI Low Duration Fund - Regular Plan - Half Yearly delivered?
UTI Low Duration Fund - Regular Plan - Half Yearly has returned +6.13% over 1 year, +7.19% per year over 3 years, +7.39% per year over 5 years and +3.94% per year since inception. Figures beyond one year are annualised (CAGR) and are computed from AMFI NAV history, so they may differ slightly from other portals.
What is the expense ratio of UTI Low Duration Fund - Regular Plan - Half Yearly?
UTI Low Duration Fund - Regular Plan - Half Yearly charges an expense ratio of 0.43% per year. This annual fee is already deducted from the NAV, so the returns you see are net of it.
What are the top holdings of UTI Low Duration Fund - Regular Plan - Half Yearly?
Its largest holdings are GOVERNMENT OF INDIA 36814 364 DAYS TBILL 10DC26 FV RS 100 (8.2%), REC LIMITED SR 230-A 7.71 BD 26FB27 FVRS1LAC (5.9%), NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 24E 7.80 BD 15MR27 FVRS1LAC (5.3%), MAHINDRA RURAL HOUSING FINANCE LIMITED SR MRHFLDD2023 8.45 NCD 22JN27 FVRS1LAC (4.2%) and HDFC BANK LIMITED CD 19NOV26 (4.1%). Holdings are disclosed monthly and change over time.
How risky is UTI Low Duration Fund - Regular Plan - Half Yearly?
It is rated low to moderate on SEBI's risk-o-meter, its trailing-3Y volatility (annualised) is 0.5% and its worst peak-to-trough fall in our sample was -13.6%. Higher volatility means the NAV swings more; the drawdown shows how far it has fallen from a peak historically.
What is the benchmark of UTI Low Duration Fund - Regular Plan - Half Yearly?
UTI Low Duration Fund - Regular Plan - Half Yearly is benchmarked against the Nifty Low Duration Debt Index A-I. Its alpha and beta on this page are measured against that index.
Who manages UTI Low Duration Fund - Regular Plan - Half Yearly?
UTI Low Duration Fund - Regular Plan - Half Yearly is managed by Anurag Mittal at UTI.
How is UTI Low Duration Fund - Regular Plan - Half Yearly taxed?
UTI Low Duration Fund - Regular Plan - Half Yearly is a debt / non-equity fund. Since April 2023 there is no long-term or indexation benefit — capital gains are added to your income and taxed at your income-tax slab rate regardless of how long you held the units.