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UTI Medium Term Fund - Direct Plan - Annual IDCW

UTI Mutual FundMedium & Long Duration FundsDirect · IDCW (income distribution)Riskometer: Moderate Risk
NAV · 15 Oct 2026₹15.2563▼ 0.01% (1 day)
Fund size (AUM) ₹34 Cr
Expense ratio 0.87%
1Y return+3.40%
3Y return (CAGR)+5.43%
5Y return (CAGR)+4.06%
Since launch (CAGR)+3.72%
Category rank (3Y) —
Volatility (3Y) 2.32%
Sharpe ratio (3Y) -0.46
Beta (3Y) —
52-week range₹14.7520 – ₹15.4267
Min. SIP / lump sum₹500 / ₹20,000
Launched31 Mar 2015
Lock-inNone
Portfolio turnover —
Max drawdown -6.1%

Performance chart

Past performance may or may not be sustained in future.

Quick take

  • Over 5 years it returned 4.1% a year.
  • Volatility over 3 years was 2.3% a year, with a Sharpe ratio of -0.46.
  • Its biggest fall from a peak was 6.1% (22 Mar 2017 to 23 Mar 2017).
  • Across all 3-year periods since launch, yearly returns ranged from -0.3% to 6.4% and were positive 100% of the time.
  • Expense ratio 0.87%, fund size ₹34 crore.

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Returns vs benchmark and category

Returns (%)1W1M3M6MYTD1Y2Y3Y5Y7Y10YSince launch
This fund-0.34%-0.61%-0.35%+1.55%+2.58%+3.40%+5.53%+5.43%+4.06%+3.83%+3.26%+3.72%

Point-to-point NAV returns as on 15 Oct 2026; over 1 year, yearly compounded (CAGR). Category: Direct Growth plans in Medium & Long Duration Funds. Q1 = top quarter by return over that period.

Calendar-year returns

Year2026 YTD2025202420232022202120202019201820172016
This fund+2.58%+7.21%+4.72%+5.65%-0.26%+5.60%+0.56%+3.31%+0.61%+1.13%+5.62%

January to December each year; the current year is to date.

Risk and consistency

Risk measure3 years5 years
Volatility (standard deviation) ?2.32%2.55%
Sharpe ratio ?-0.46-0.96
Sortino ratio ?-0.49-1.01
Maximum drawdown-3.42%-4.68%

Rolling 3-year returns (yearly)

Lowest-0.26%
Median+2.82%
Highest+6.37%
Positive100% of periods
Above 12% a year0% of periods

Rolling 5-year returns (yearly)

Lowest+1.47%
Median+2.96%
Highest+5.18%
Positive100% of periods
Above 12% a year0% of periods

Every 3- and 5-year period since launch, checked weekly. It shows how consistent returns were, whenever someone invested.

SIP returns: ₹10,000 every month

SIP forInvestedValue todayGainXIRR
1Y₹1,20,000₹1,21,687₹1,687+2.61%
3Y₹3,60,000₹3,88,525₹28,525+5.01%
5Y₹6,00,000₹6,80,717₹80,717+4.99%
10Y₹12,00,000₹14,78,978₹2,78,978+4.10%

A ₹10,000 instalment on the same date every month, valued at the latest NAV. XIRR is the yearly return on those dated instalments. Try the SIP calculator.

Compare with all Medium & Long Duration Funds (25)

About Medium & Long Duration Funds
Scheme (Direct plans, Growth)NAV1M6M1Y3Y5Y
Aditya Birla Sun Life Medium Term Fund - Direct Plan - GROWTHAditya Birla Sun Life Mutual Fund₹47.9283—————
Aditya Birla Sun Life Medium to Long Term Fund - Direct Plan - GROWTHAditya Birla Sun Life Mutual Fund₹139.0618—————
Axis Medium Term Fund - Direct Plan - Growth OptionAxis Mutual Fund₹33.2852—————
Bandhan Medium Term Fund - Direct Plan - GrowthBandhan Mutual Fund₹53.4098—————
Bandhan Medium to Long Term Fund - Direct Plan - GrowthBandhan Mutual Fund₹74.9970—————
Canara Robeco Medium To Long Term Fund - Direct Plan - GROWTH OPTIONCanara Robeco Mutual Fund₹64.0745—————
DSP Medium Term Fund - Direct Plan - GrowthDSP Mutual Fund₹91.5765—————
Franklin India Medium to Long Term Fund - Direct Plan - GrowthFranklin Templeton Mutual Fund₹11.2150—————
HDFC Medium Term Fund - Direct Plan - Growth OptionHDFC Mutual Fund₹65.9631—————
HDFC Medium to Long Term Fund - Direct Plan - Growth OptionHDFC Mutual Fund₹66.7332—————
HSBC Medium Term Fund - Direct Plan - GrowthHSBC Mutual Fund₹23.7868—————
HSBC Medium to Long Term Fund - Direct Plan - GrowthHSBC Mutual Fund₹48.6176—————
ICICI Prudential Medium Term Fund - Direct Plan - GrowthICICI Prudential Mutual Fund₹53.6475—————
ICICI Prudential Medium to Long Term Fund - Direct Plan - GrowthICICI Prudential Mutual Fund₹44.4140—————
Invesco India Medium Term Fund - Direct Plan - GrowthInvesco Mutual Fund₹1,350.88—————
JM Medium to Long Term Fund - Direct Plan - Growth OptionJM Financial Mutual Fund₹71.4111—————
Kotak Medium Term Fund - Direct Plan - GrowthKotak Mahindra Mutual Fund₹27.4779—————
Kotak Medium to Long Term Fund - Direct Plan - GrowthKotak Mahindra Mutual Fund₹89.9078—————
LIC MF Medium to Long Term Fund - Direct Plan - GrowthLIC Mutual Fund₹81.8577—————
Nippon India Medium to Long Term Fund - Direct Plan - Growth OptionNippon India Mutual Fund₹104.1639—————
SBI MEDIUM TERM FUND - Direct Plan - GrowthSBI Mutual Fund₹59.4919—————
SBI MEDIUM TO LONG TERM FUND - Direct Plan - GrowthSBI Mutual Fund₹79.7311—————
Sundaram Medium Term Fund (Formerly Known as Sundaram Medium Duration Fund) - Direct Plan - GROWTHSundaram Mutual Fund₹80.2381—————
UTI Medium Term Fund - Direct Plan - GrowthUTI Mutual Fund₹20.5977—————
UTI Medium to Long Term Fund - Direct Plan - GrowthUTI Mutual Fund₹82.8199—————

Sorted by 3-year return; tap a heading to sort. Sorting by past returns is a way to explore data, not a ranking of which fund to choose. 3Y and 5Y are yearly (CAGR).

Scheme details

Investment objective
The investment objective of the scheme is to generate reasonable income by investing in debt & money market securities such that the Macaulay duration of the portfolio is between 3 to 4 years. However there can be no assurance that the investment objective of the Scheme will be achieved. The Scheme does not guarantee / indicate any returns.
Fund manager
Anurag Mittal
Fund house
UTI Mutual Fund
Category
Medium & Long Duration Funds · Debt
Plan / option
Direct · IDCW (income distribution)
AMFI scheme code
134505
ISIN
INF789FB1KL1, INF789FB1KM9
Scheme documents
SID, KIM and factsheets (fund house website) · exit load and full portfolio are in these documents.

About Medium & Long Duration Funds

Medium & Long Duration Funds hold debt with a longer duration (3 years and more), so their value is more sensitive to interest-rate changes.

Generally used by investors with a 3+ year horizon who understand interest-rate risk.

Other plans of this scheme

Questions about this scheme

What is the NAV of UTI Medium Term Fund today?
The latest NAV of UTI Medium Term Fund - Direct Plan - Annual IDCW is ₹15.2563 as on 15 Oct 2026, as published by AMFI. NAVs are updated every business day evening.
What returns has UTI Medium Term Fund given?
As on 15 Oct 2026: 1 year +3.40%, 3 years +5.43% a year, 5 years +4.06% a year. Past returns may or may not be sustained in future.
What is the expense ratio of UTI Medium Term Fund?
The expense ratio of the Direct plan is 0.87% (as of Aug 2026). It is already deducted in the NAV.
How risky is this fund?
Its riskometer level is Moderate Risk. Over 3 years its volatility was 2.3% a year and its biggest fall from a peak was 3.4%. Mutual fund investments are subject to market risks.
What is the difference between Direct and Regular plans?
Both plans hold the same portfolio. A Direct plan is bought straight from the fund house and has a lower expense ratio. A Regular plan is bought through a distributor, who is paid a commission from the expense ratio, so its NAV grows slightly slower.
What are Medium & Long Duration Funds?
Medium & Long Duration Funds hold debt with a longer duration (3 years and more), so their value is more sensitive to interest-rate changes.
Important. NAVs are from AMFI and mfapi.in; benchmark closes from Yahoo Finance; expense ratio, fund size and managers from published scheme data (Kuvera). Figures may be delayed; confirm with the fund house before transacting. Ranks and quartiles are positions by past return and are not a rating or recommendation. Mutual fund investments are subject to market risks; read all scheme-related documents carefully before investing. Plenitude Connect Private Limited is an AMFI-registered Mutual Fund Distributor (ARN-130934) and earns commission from fund houses on Regular plans (see Disclosures).
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