DebtFloating Interest Rates FundDirectIDCWModerate

UTI - Floater Fund

Q: What is the NAV of UTI - Floater Fund?

As of 20 Aug 2026, the NAV of UTI - Floater Fund is ₹1,530.74 per unit. NAV (net asset value) is the fund's per-unit price, published once each business day.

Q: What returns has UTI - Floater Fund delivered?

UTI - Floater Fund has returned +6.36% over 1 year, +7.19% per year over 3 years, +5.69% per year over 5 years and +5.60% 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.

Q: What is the expense ratio of UTI - Floater Fund?

UTI - Floater Fund charges an expense ratio of 0.44% per year. This annual fee is already deducted from the NAV, so the returns you see are net of it.

Q: What are the top holdings of UTI - Floater Fund?

Its largest holdings are CENTRAL GOVERNMENT LOAN 30814 GOI FRB 04OT28 FV RS 100 (6.6%), HDFC BANK LIMITED CD 14DEC26 (6.4%), CANARA BANK CD 22JAN27 (6.4%), NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 24E 7.80 BD 15MR27 FVRS1LAC (5.0%) and EXPORT IMPORT BANK OF INDIA 363D CP 25JAN27 (4.8%). Holdings are disclosed monthly and change over time.

Q: How risky is UTI - Floater Fund?

It is rated moderate on SEBI's risk-o-meter, its trailing-3Y volatility (annualised) is 0.6% and its worst peak-to-trough fall in our sample was -1.8%. Higher volatility means the NAV swings more; the drawdown shows how far it has fallen from a peak historically.

Q: What does the Sharpe ratio of 1.22 mean?

The Sharpe ratio is return earned per unit of total risk, above a 6.5% risk-free rate. UTI - Floater Fund's 1.22 means it has rewarded its volatility with excess return. Higher is better.

Q: What is the benchmark of UTI - Floater Fund?

UTI - Floater Fund is benchmarked against the CRISIL Short Duration Debt A-II Index. Its alpha and beta on this page are measured against that index.

Q: Who manages UTI - Floater Fund?

UTI - Floater Fund is managed by Pankaj Pathak at UTI.

Q: How is UTI - Floater Fund taxed?

UTI - Floater Fund 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.

UTI Mutual Fund

NAV

₹1,530.74

-0.04% 1D

as of 20 Aug 2026

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NAV history

+6.40%CAGR

52-week rangePrev NAV ₹1,531.32

Latest ₹1,530.74

Low ₹1,438.3099th percentile of its 52-week rangeHigh ₹1,531.32

Scorecard

★★★★☆4/5 vs 832 Debt 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 against all Debt funds (same plan and option) — too few funds in its own sub-category to rank within it.

Performance—

Not enough Floating Interest Rates Fund peers to rank yet

Risk—

Volatility 0.6% (no category average yet)

Cost—

0.4% expense (no category average yet)

ConsistencyHigh

100% 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

Consistent — positive in 100% of rolling 3-year windows

Concerns

No significant concerns identified.

Key Metrics

Annual fee charged by the fund, already deducted from NAV

Category —

Portfolio-weighted harmonic mean P/E across the fund's equity holdings

Category —

Excess return per unit of total volatility (rf = 6.5%)

1.22

Category —

Scheme Info

Definitions

Plan

Direct · IDCW

Period before units can be redeemed — 3 years for ELSS, none for most open-ended funds

Exit Load

Statutory levy on every mutual-fund purchase since 1 Jul 2020 (SEBI / Govt of India) — the same for every scheme

0.005%

SIP Inv.

Smallest recurring SIP instalment the scheme accepts

Smallest one-time (lumpsum) investment the scheme accepts

Benchmark

Start of our NAV history for this plan. Direct plans begin 1 Jan 2013, so this is the plan's inception — not necessarily the scheme's original launch date.

31 Oct 2018

Period returns (<1Y, absolute — not annualized)

Definitions

Absolute return over the last 1 month (not annualized)

+0.52%

Absolute return over the last 3 months (not annualized)

+2.08%

Absolute return over the last 6 months (not annualized)

+3.24%

Absolute return since 1 Jan of this year (not annualized)

+3.96%

Annualized returns (≥1Y — CAGR)

Definitions

1-year point-to-point return, annualized (CAGR)

+6.36%

3-year annualized return (CAGR)

+7.19%

5-year annualized return (CAGR)

+5.69%

10-year annualized return (CAGR)

—

Annualized return (CAGR) since the fund's inception

+5.60%

Advanced metrics — risk

Risk (trailing 3Y)

Definitions

Annualized standard deviation of daily returns

0.57%

Excess return per unit of total volatility (rf = 6.5%)

1.22

Excess return per unit of downside deviation — upside swings aren't penalized (rf = 6.5%)

1.98

Largest peak-to-trough decline over full history

-1.78%

Benchmark ratios

Not shown for Floating Interest Rates 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 (Floating Interest Rates Fund)

Period	Fund	Category avg.	Diff
1M abs	+0.52%	—	—
3M abs	+2.08%	—	—
6M abs	+3.24%	—	—
1Y CAGR	+6.36%	—	—
3Y CAGR	+7.19%	—	—
5Y CAGR	+5.69%	—	—

Category average across peers in Floating Interest Rates Fund (up to 3 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.

Rolling returns

Return for every possible 1Y holding period, not just today’s

Average

+5.3%

Median

+6.5%

Best

+8.7%

Worst

+0.1%

Positive periods

100.0%

82 overlapping 1Y windows, sampled monthly across the fund’s history.

Calendar-year returns

What the fund actually returned in each year, not the smoothed average.

Year	Fund
2026part	+4.00%
2025	+7.49%
2024	+7.54%
2023	+7.31%
2022	+2.50%
2021	+0.82%
2020	+4.71%
2019	+8.37%
2018part	+1.10%

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 · AMFI

₹1,161Cr

April - June 2026

-1%

since January - March 2026

At or near its largest, ₹1,172Cr in January - March 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.

Monthly investment (₹)

Period

Invested

₹6.00L

Current value

₹7.09L

Absolute

+18.24%

XIRR

+6.85%

Value vs. invested

60 monthly installments of ₹10,000 into UTI - Floater Fund, valued at the latest NAV. XIRR annualizes for each installment’s timing.

History points

1,889

Expense ratio

AUM

Portfolio turnover

Exit load

Taxation

Taxed as debt

This 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.

Any holding period

30%

Short- and long-term alike

Your income-tax slab — no LTCG or indexation benefit

Your income-tax slab

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.

Peer comparison · Floating Interest Rates Fund

Compare all


UTI - Floater FundThis fund UTI	★★★★☆ CAT	+6.36%	+7.19%	+5.69%	—	0.44%	₹1,161Cr
UTI - Floater Fund UTI	★★★★☆ CAT	+6.36%	+7.19%	+5.97%	—	0.44%	₹1,161Cr
UTI - Floater Fund - Direct Plan - Flexi UTI	★★★★☆ CAT	+6.36%	+7.19%	+5.98%	—	0.44%	₹15.79L
UTI - Floater Fund UTI	★★★★☆ CAT	+4.46%	+4.66%	+3.94%	—	0.44%	₹1,161Cr
UTI - Floater Fund UTI	★★☆☆☆ CAT	+6.36%	+7.19%	+6.33%	—	0.44%	₹1,161Cr
UTI - Floater Fund UTI	★★★★☆ CAT	+5.88%	+6.72%	+5.47%	—	0.85%	₹1,161Cr

UTI in the news

Headlines about the fund house, not this scheme in particular — highlights only; tap through to read the full story at the source.

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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 to governments and companies and earn interest. They're generally steadier than equity funds and are used for shorter horizons and stability.

Frequently asked questions

What is the NAV of UTI - Floater Fund?

As of 20 Aug 2026, the NAV of UTI - Floater Fund is ₹1,530.74 per unit. NAV (net asset value) is the fund's per-unit price, published once each business day.

What returns has UTI - Floater Fund delivered?

UTI - Floater Fund has returned +6.36% over 1 year, +7.19% per year over 3 years, +5.69% per year over 5 years and +5.60% 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 - Floater Fund?

UTI - Floater Fund charges an expense ratio of 0.44% 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 - Floater Fund?

Its largest holdings are CENTRAL GOVERNMENT LOAN 30814 GOI FRB 04OT28 FV RS 100 (6.6%), HDFC BANK LIMITED CD 14DEC26 (6.4%), CANARA BANK CD 22JAN27 (6.4%), NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 24E 7.80 BD 15MR27 FVRS1LAC (5.0%) and EXPORT IMPORT BANK OF INDIA 363D CP 25JAN27 (4.8%). Holdings are disclosed monthly and change over time.

How risky is UTI - Floater Fund?

It is rated moderate on SEBI's risk-o-meter, its trailing-3Y volatility (annualised) is 0.6% and its worst peak-to-trough fall in our sample was -1.8%. Higher volatility means the NAV swings more; the drawdown shows how far it has fallen from a peak historically.

What does the Sharpe ratio of 1.22 mean?

The Sharpe ratio is return earned per unit of total risk, above a 6.5% risk-free rate. UTI - Floater Fund's 1.22 means it has rewarded its volatility with excess return. Higher is better.

What is the benchmark of UTI - Floater Fund?

UTI - Floater Fund is benchmarked against the CRISIL Short Duration Debt A-II Index. Its alpha and beta on this page are measured against that index.

Who manages UTI - Floater Fund?

UTI - Floater Fund is managed by Pankaj Pathak at UTI.

How is UTI - Floater Fund taxed?

UTI - Floater Fund 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.