UTI Ultra Short Duration Fund

Q: What are the returns of this mutual fund scheme?

The UTI Ultra Short Duration Fund is a 22 yrs 1 m 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 6.83% 6.91% 6.12% 6.2% 6.82%

Q: How much does this mutual fund charge as expense ratio?

The UTI Ultra Short Duration Fund has an expense ratio of 0.96% , representing the annual cost of managing and operating the fund. This fee is deducted from the fund's AUM while declaring the daily NAV, reducing investor returns.

NAV as of Oct 20, 2025	Returns since inception	ET Money Rank	AUM (Fund size)
₹4316.2262+0.04% 1 day change	6.82% p.a.	App exclusive #NA View Ranked Funds	₹3,483 Cr

Historical NAV & returns

NAV: ₹4316.2262 as on Oct 20, 2025

This fund Category average

UTI Ultra Short Duration Fund overview

AUM (Fund size)	₹3,483 Cr
Exit load	0%
Lock-in Period	Nil
Age	22 yrs 1 m since Aug 27, 2003
Benchmark	NIFTY Ultra Short Duration Debt Index A-I
Min. investment	SIP: ₹500 & Lumpsum: ₹1000
Expense ratio	0.96% as on Sep 30, 2025
Plan type	Regular
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 Oct 25, 2025

Period	This fund	Category average
1 Month	0.47%	0.47%
3 Months	1.33%	1.36%
6 Months	3.04%	3.07%
1 Year	6.83%	6.88%
2 Years	7.0%	6.98%
3 Years	6.91%	6.87%
4 Years	6.07%	6.07%
5 Years	6.12%	5.57%
7 Years	5.7%	5.85%
10 Years	6.2%	6.09%

Asset allocationas on Sep 30, 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+ 49.73971167%

AAA 29.727309%

AA+ 10.2077292%

AA 6.41678346%

Top Debt Holdings

Canara Bank 7.72%

Axis Bank Ltd. 7.01%

Indian Bank 6.27%

HDFC Bank Ltd. 4.22%

Allocation by Instruments

Certificate of Deposit 37.07877049%

Debenture 22.68611284%

Commercial Paper 12.66094118%

Non Convertible Debenture 9.46986456%

Other Holdings

Others 0.36%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
UTI Ultra Short Duration Fund	0.47%	3.04%	6.83%	6.91%	6.12%	6.2%
ICICI Prudential Ultra Short Term Fund	0.5%	3.3%	7.26%	7.2%	5.93%	6.92%
Mahindra Manulife Ultra Short Duration Fund	0.47%	3.11%	7.0%	7.05%	5.63%	3.43%
WhiteOak Capital Ultra Short Duration Fund	0.43%	2.89%	6.57%	6.59%	5.38%	3.31%
HDFC Ultra Short Term Fund	0.5%	3.19%	7.14%	7.16%	5.78%	4.45%
HSBC Ultra Short Duration Fund	0.49%	3.17%	7.14%	7.17%	5.76%	3.27%

Fund name	Std. deviation	Beta	Sharpe	Sortino
UTI Ultra Short Duration Fund	0.26	0.64	1.46	2.51
ICICI Prudential Ultra Short Term Fund	0.27	0.65	2.4	4.46
Mahindra Manulife Ultra Short Duration Fund	0.24	0.57	2.18	3.83
WhiteOak Capital Ultra Short Duration Fund	0.24	0.58	0.38	0.64
HDFC Ultra Short Term Fund	0.26	0.65	2.32	4.32
HSBC Ultra Short Duration Fund	0.26	0.64	2.47	4.16

Fund name	ETM Rank	AUM	Fund age	Expense ratio
UTI Ultra Short Duration Fund	N.A.	3,483 Cr	22 yrs 1 m	0.96%
ICICI Prudential Ultra Short Term Fund	N.A.	14,697 Cr	14 yrs 6 m	0.8%
Mahindra Manulife Ultra Short Duration Fund	N.A.	208 Cr	6 yrs	0.7%
WhiteOak Capital Ultra Short Duration Fund	N.A.	531 Cr	6 yrs 5 m	1.03%
HDFC Ultra Short Term Fund	N.A.	16,700 Cr	7 yrs 1 m	0.7%
HSBC Ultra Short Duration Fund	N.A.	2,496 Cr	5 yrs 9 m	0.35%

View all Ultra Short Duration funds

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

Alpha	1.53 vs. 2.47 Underperformed at beating benchmark
Sharpe	1.46 vs. 2.73 Poor risk-adjusted returns
Beta	0.64 vs. 0.96 Less sensitive to market ups & downs
Standard deviation	0.26 vs. 0.2 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 is a Ultra Short Duration mutual fund scheme from Uti Mutual Fund. This fund has been in existence for 22 yrs 1 m, having been launched on 27/08/2003. UTI Ultra Short Duration Fund has ₹3,483 Crores worth of assets under management (AUM) as on 30/09/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of UTI Ultra Short Duration Fund as of 20/10/2025 is ₹4316.23. The fund has an expense ratio of 0.96%, which is higher than what most other Ultra Short Duration funds charge.

UTI Ultra Short Duration Fund returns of last 1-year are 6.88%. Since launch, it has delivered 6.82% average annual returns. The fund has doubled the money invested in it every 12 yrs.
UTI Ultra Short Duration Fund 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 Canara Bank, Axis Bank Ltd., Indian Bank, HDFC Bank Ltd., Nuvama Wealth Finance Ltd..

...

Fund AUM	3,483 Cr as on Sep 30, 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	3,79,176 Cr as on Sep 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 Banking & PSU Fund	N.A.	816 Cr	8.06%	7.64%
UTI Credit Risk Fund	N.A.	266 Cr	7.61%	7.48%
UTI Medium to Long Duration Fund	N.A.	322 Cr	6.44%	7.25%
UTI Gilt Fund	N.A.	566 Cr	5.49%	7.13%
UTI Medium Duration Fund	N.A.	40 Cr	6.98%	7.11%

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 plan is approximately ₹4316.2262 as of Oct 20, 2025.

What are the returns of this mutual fund scheme?

The UTI Ultra Short Duration Fund is a 22 yrs 1 m 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
6.83%	6.91%	6.12%	6.2%	6.82%

How much does this mutual fund charge as expense ratio?

The UTI Ultra Short Duration Fund has an expense ratio of 0.96%, representing the annual cost of managing and operating the fund. This fee is deducted from the fund's AUM while declaring the daily NAV, reducing investor returns.

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 3,483 Cr as on Sep 30, 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
Canara Bank	7.72%
Axis Bank Ltd.	7.01%
Indian Bank	6.27%

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+	49.73971167%
AAA	29.727309%
AA+	10.2077292%

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

Redeeming your investments in the UTI Ultra Short Duration Fund is simple. If you have invested via ET Money, just log in to the app, go to the holdings section, and submit the redemption request.

If you have invested 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.