UTI Ultra Short Duration Fund Regular-Growth

Q: What are the returns of UTI Ultra Short Duration Fund?

The UTI Ultra Short Duration Fund is a 22 yrs old fund and has delivered average annual returns of 6.82% since inception. UTI Ultra Short Duration Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 7.04% 6.82% 6.1% 6.26% 6.82%

Previously called: UTI Ultra Short Term Reg-G

NAV as of Sep 03, 2025	Returns since inception	ET Money Rank	AUM (Fund size)
₹4284.1921+0.01% 1 day change	6.82% p.a.	App exclusive #NA View Ranked Funds	₹4,351 Cr

Historical NAV & returns

NAV: ₹4284.1921 as on Sep 03, 2025

This fund Category average

UTI Ultra Short Duration Fund overview

Expense ratio	0.97% as on Aug 31, 2025
Plan type	Regular
Exit load	0%
AUM (Fund size)	₹4,351 Cr
Lock-in Period	Nil
Age	22 yrs since Aug 27, 2003
Benchmark	NIFTY Ultra Short Duration Debt Index A-I
Min. investment	SIP: ₹2500 & Lumpsum: ₹5000
Risk	Moderate
Tax on your gains	Profits are added to your income and taxed as per your slab rate

UTI Ultra Short Duration Fund Returns calculator

Investment type

Monthly investment

₹ 10,000

Investment period

Lumpsum investment

₹1 lakh

Investment period

Disclaimer: Products compared like fixed deposits may provide fixed guaranteed returns. Mutual Funds investments are subject to market risk, read all scheme related documents carefully. Past performance is not an indicator of future returns.

Total investment ₹ 12 lakh
Profit ₹12 lakhs
Total corpus ₹1 lakh
Absolute return 52.69%

Trailing returns as on Sep 04, 2025

Period	This fund	Category average
1 Month	0.39%	0.4%
3 Months	1.46%	1.48%
6 Months	3.58%	3.62%
1 Year	7.04%	7.09%
2 Years	7.04%	7.01%
3 Years	6.82%	6.79%
4 Years	6.68%	5.99%
5 Years	6.1%	5.52%
7 Years	5.7%	5.71%
10 Years	6.26%	6.14%

Asset allocationas on May 31, 2025

Large Cap 0%

Mid Cap 0%

Small Cap 0%

Other Cap 0%

Top holdings

Bifurcation by Holding is not available for this fund

Top sectors

Bifurcation by Sector is not available for this fund

A1+ 52.22167189%

AAA 18.79151295%

AA+ 10.33700553%

SOV 7.9428443%

Top Debt Holdings

Reserve Bank of India 7.94%

Canara Bank 7.79%

Axis Bank Ltd. 6.7%

Small Industries Devp. Bank of India Ltd. 4.15%

Allocation by Instruments

Bifurcation by Instrument is not available for this fund

Other Holdings

Others 6.89%

Detailed portfolio analysis

Peer comparison

Fund name	ETM Rank	AUM	Fund age	Expense ratio
UTI Ultra Short Duration Fund	N.A.	4,351 Cr	22 yrs	0.97%
ICICI Prudential Ultra Short Term Fund	N.A.	16,269 Cr	14 yrs 4 m	0.8%
Sundaram Ultra Short Duration Fund	N.A.	2,551 Cr	17 yrs 8 m	1.48%
Axis Ultra Short Duration Fund	N.A.	6,122 Cr	7 yrs	1.2%
WhiteOak Capital Ultra Short Duration Fund	N.A.	475 Cr	6 yrs 3 m	1.02%
Tata Ultra Short Term Fund	N.A.	4,684 Cr	6 yrs 7 m	1.14%

Fund name	1M	6M	1Y	3Y	5Y	10Y
UTI Ultra Short Duration Fund	0.39%	3.58%	7.04%	6.82%	6.1%	6.26%
ICICI Prudential Ultra Short Term Fund	0.42%	3.84%	7.43%	7.1%	5.93%	6.99%
Sundaram Ultra Short Duration Fund	0.34%	3.27%	6.38%	6.14%	4.75%	5.18%
Axis Ultra Short Duration Fund	0.38%	3.59%	6.98%	6.67%	5.38%	4.05%
WhiteOak Capital Ultra Short Duration Fund	0.38%	3.45%	6.83%	6.53%	5.31%	3.23%
Tata Ultra Short Term Fund	0.41%	3.52%	7.0%	6.63%	5.3%	3.66%

Fund name	Std. deviation	Beta	Sharpe	Sortino
UTI Ultra Short Duration Fund	0.29	0.71	1.03	1.39
ICICI Prudential Ultra Short Term Fund	0.3	0.72	1.86	2.82
Sundaram Ultra Short Duration Fund	0.28	0.67	-1.21	-1.89
Axis Ultra Short Duration Fund	0.29	0.72	0.57	0.83
WhiteOak Capital Ultra Short Duration Fund	0.27	0.65	0.07	0.1
Tata Ultra Short Term Fund	0.27	0.68	0.44	0.59

View all Ultra Short Duration funds

Key risk & return ratios Compared to other funds in the category

Alpha	1.62 vs. 2.72 Underperformed at beating benchmark
Sharpe	1.03 vs. 2.23 Poor risk-adjusted returns
Beta	0.71 vs. 0.98 Less sensitive to market ups & downs
Standard deviation	0.29 vs. 0.23 More volatile performance

Compare UTI Ultra Short Duration Fund in detail with

About this fund

About UTI Ultra Short Duration Fund

UTI Ultra Short Duration Fund Regular-Growth is a Ultra Short Duration mutual fund scheme from Uti Mutual Fund. This fund has been in existence for 22 yrs, having been launched on 27/08/2003. UTI Ultra Short Duration Fund Regular-Growth has ₹4,351 Crores worth of assets under management (AUM) as on 31/05/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of UTI Ultra Short Duration Fund Regular-Growth as of 03/09/2025 is ₹4284.19. The fund has an expense ratio of 0.97%, which is higher than what most other Ultra Short Duration funds charge.

UTI Ultra Short Duration Fund Regular-Growth returns of last 1-year are 7.11%. Since launch, it has delivered 6.83% average annual returns. The fund has doubled the money invested in it every 12 yrs.
UTI Ultra Short Duration Fund Regular-Growth scheme's ability to deliver returns consistently is in-line with most funds of its category. Its ability to control losses in a falling market is average.
The fund's credit profile is high indicating it has lent to borrowers whose quality is great. Most funds in this category lend to better borrowers and hence the risk of default in this fund is higher than the category.
The fund's top holdings are in Reserve Bank of India, Canara Bank, Axis Bank Ltd., Small Industries Devp. Bank of India Ltd., HDFC Bank Ltd..

...

Fund AUM	4,351 Cr as on May 31, 2025
Scheme document	View Scheme Document

Fund managers

Anurag Mittal

Mr. Mittal is B.Com. (Hons), CA and M.Sc. in Accounting and Finance (specialization in Finance) from London School of Economics & Political Science. 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).

Investment objective

The scheme seeks to generate reasonable income with low volatility through investment in a portfolio comprising of debt & money market instruments

UTI Mutual Fund details

No. of schemes	63 view all schemes
Total AUM	3,61,295 Cr as on Jun 30, 2025
Address	UTI Tower, Plot C-1, GN Block, Banrda Kurla Complex, Bandra (East) Mumbai, 400051
Phone	0263 2296993

More funds from UTI Mutual Fund

Fund name	ETM Rank	AUM	1Y	3Y
UTI Credit Risk Fund	N.A.	285 Cr	7.54%	7.17%
UTI Banking & PSU Fund	N.A.	800 Cr	8.1%	7.06%
UTI Medium to Long Duration Fund	N.A.	334 Cr	6.1%	6.75%
UTI Medium Duration Fund	N.A.	41 Cr	6.92%	6.69%
UTI Gilt Fund	N.A.	670 Cr	4.68%	6.68%

See all Debt funds from this AMC

Frequently asked questions

What is the current NAV of UTI Ultra Short Duration Fund?

The current Net Asset Value (NAV) of the UTI Ultra Short Duration Fund - Direct Growth plan is approximately ₹4284.1921 as of Sep 03, 2025.

What are the returns of this mutual fund scheme?

The UTI Ultra Short Duration Fund is a 22 yrs old fund and has delivered average annual returns of 6.82% since inception.

UTI Ultra Short Duration Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
7.04%	6.82%	6.1%	6.26%	6.82%

How much does this mutual fund charge as expense ratio?

The UTI Ultra Short Duration Fund - Direct Growth has an expense ratio of 0.97%, which reflects the fund's management and operating costs. This percentage is subtracted from the fund's annual returns, impacting net returns for investors.

What is the AUM or fund size of this mutual fund?

The UTI Ultra Short Duration Fund currently has assets under management (AUM) or fund size valued at approximately 4,351 Cr as on May 31, 2025.

To whom does UTI Ultra Short Duration Fund lend to?

The top 3 debt holdings of UTI Ultra Short Duration Fund are as follows

Holding Name	Percentage of Portfolio
Reserve Bank of India	7.94%
Canara Bank	7.79%
Axis Bank Ltd.	6.7%

What is the quality of borrowers this mutual fund scheme lends to?

The credit rating of the instruments in which the fund invests represents the quality of the borrower.

The UTI Ultra Short Duration Fund allocation by credit quality is given below

Credit Quality	Percentage of Portfolio
A1+	52.22167189%
AAA	18.79151295%
AA+	10.33700553%

What is risk level of UTI Ultra Short Duration Fund?

This is a Ultra Short Duration fund comes with Moderate risk.

Is there any lock-in period in this mutual fund?

No, this fund does not have any lock-in period.

How do I invest in UTI Ultra Short Duration Fund?

UTI Ultra Short Duration Fund Regular-Growth is the regular plan of the fund. For this plan of you pay 0.97% as annual charges. On the other hand if you go for the direct plan available on ET Money, you pay 0.33%. That's 0.6399999999999999% less.

Regular plans charge more because when you buy them, the fund pays commission to the agent. This is an additional expense for the fund and to cover this expense, the fund takes a bigger share from the returns generated by your investments.

So, the lower annual cost of the direct plan means you will earn 0.6399999999999999% if you opt for direct plan of UTI Ultra Short Duration Fund

How can I redeem my investments in UTI Ultra Short Duration Fund?

Redeeming your investments in UTI Ultra Short Duration Fund is super easy. If you have invested in this fund via ET Money, just login into the app, go to the investment section and put the redemption request.

If you have invested in UTI Ultra Short Duration Fund from anywhere else, you can go to the fund house website and put a request through it.

ET Money rank

App exclusive

in Ultra Short Duration

#NA

Return Outperformance: This fund has generated highest return amongst Ultra Short Duration funds in the last 5 Years.
Exit Load: This fund has no exit load.
Volatility Protection: This fund ranks lower in terms of protecting against volatility within its category.
Return/Risk: The fund is performing poorly than its category.