UTI Medium to Long Term Fund - Direct Plan - Annual IDCW
The investment objective of the scheme is to generate optimal returns with adequate liquidity by investing in debt and money market instruments such that the Macaulay duration of the portfolio is between 4 years and 7 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.Read more
AMC websiteScheme documentsNAV history (AMFI)हिंदी में
- Current NAV₹13.3085
- Fund Size (AUM)₹ 303 Cr.
- Expense Ratio1.27 %
- 1Y Return+0.51%
- 3Y Return (CAGR)+2.94%
- 5Y Return (CAGR)+2.68%
- Category Rank (3Y)—
- RiskometerModerately High Risk
- Min. SIP / Lump sum₹ 500 / ₹ 20,000
More figures (11)
- Since Launch (CAGR)+2.42%
- Benchmark—
- Volatility (3Y)3.94 %
- Sharpe Ratio (3Y)-0.90
- Beta (3Y)—
- 52-week High / Low₹13.4482 / ₹12.9196
- Max Drawdown-15.1 %
- Launched4 May 2016
- Lock-inNone
- Portfolio Turnover—
- Fund ManagersAmit Sharma
Performance chart
Past performance may or may not be sustained in future.
Quick take
- Over 5 years it returned 2.7% a year.
- Volatility over 3 years was 3.9% a year, with a Sharpe ratio of -0.9.
- Its biggest fall from a peak was 15.1% (24 Nov 2016 to 23 Mar 2020).
- Across all 3-year periods since launch, yearly returns ranged from -4.4% to 7.8% and were positive 71% of the time.
- Expense ratio 1.27%, fund size ₹303 crore.
Pros
AI- Long track record of 10.4 years since 5 May 2016.
Cons
AI- Returns were negative in 29% of all 3-year periods since launch.
- Expense ratio of 1.27% is above the category median of 0.70%.
- Small fund size of ₹303 crore.
Pros and cons are generated automatically from the scheme's published figures. They are observations about past data, not a recommendation to invest, switch or redeem.
AI analysis
Plenitude AI reads the figures on this page and explains them in plain language.
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Book a free consultation Compare with other fundsReturns vs benchmark and category
| Returns (%) | 1W | 1M | 3M | 6M | YTD | 1Y | 2Y | 3Y | 5Y | 7Y | 10Y | Since launch |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| This fund | -0.21% | -0.37% | -0.39% | +1.71% | +0.27% | +0.51% | +1.72% | +2.94% | +2.68% | +2.85% | +1.75% | +2.42% |
Point-to-point NAV returns as on 16 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
| Year | 2026 YTD | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| This fund | +0.27% | +2.07% | +4.58% | +0.03% | +6.44% | +4.89% | +1.64% | -5.47% | +2.02% | -1.85% |
January to December each year; the current year is to date.
Month-by-month returns (%)
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Year |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | -0.2 | 0.8 | -3.0 | 0.8 | 0.3 | 1.9 | 0.2 | -0.1 | -0.2 | -0.3 | |||
| 2025 | 0.7 | 0.1 | -2.1 | 1.9 | 0.9 | -0.8 | 0.4 | -1.0 | 0.9 | 0.7 | 0.4 | 0.0 | 2.1 |
| 2024 | 0.8 | 1.0 | -3.3 | -0.3 | 1.4 | 0.6 | 0.9 | 0.9 | 1.3 | 0.1 | 0.6 | 0.4 | 4.6 |
| 2023 | 0.5 | 0.1 | -5.2 | 1.4 | 1.2 | -0.1 | 0.3 | 0.5 | 0.1 | -0.4 | 0.7 | 1.1 | 0.0 |
| 2022 | -0.1 | -0.2 | -3.3 | -0.7 | 7.2 | 0.0 | 0.9 | 1.2 | -0.3 | 0.4 | 1.2 | 0.3 | 6.5 |
| 2021 | -0.1 | -0.9 | -4.0 | 0.7 | 0.3 | 0.1 | 0.3 | 0.7 | 7.6 | 0.4 | 0.3 | -0.2 | 4.9 |
| 2020 | -4.4 | -2.0 | 0.5 | 1.4 | 2.5 | 1.3 | 1.1 | -1.2 | 0.7 | 1.3 | 0.4 | 0.3 | 1.7 |
| 2019 | -2.2 | 0.3 | 0.9 | -2.9 | 1.8 | -5.3 | 2.6 | -0.4 | -0.8 | -0.4 | 0.7 | 0.2 | -5.5 |
| 2018 | -0.2 | -0.5 | -0.1 | -0.6 | 0.0 | 0.0 | 0.9 | 0.3 | 0.0 | 0.4 | 0.7 | 1.2 | 2.0 |
| 2017 | 1.1 | -1.4 | -4.6 | 0.1 | 1.3 | 1.7 | 0.9 | 0.4 | -0.1 | 0.2 | -0.4 | -1.0 | -1.8 |
Change in NAV from the last business day of one month to the last business day of the next. Positive in 78 of 118 months shown (66%). "Year" is shown for complete calendar years.
Risk and consistency
| Risk measure | 3 years | 5 years |
|---|---|---|
| Volatility (standard deviation) ? | 3.94% | 5.97% |
| Sharpe ratio ? | -0.90 | -0.64 |
| Sortino ratio ? | -0.96 | -0.85 |
| Maximum drawdown | -4.39% | -6.31% |
Rolling 3-year returns (yearly)
Rolling 5-year returns (yearly)
Every 3- and 5-year period since launch, checked weekly. It shows how consistent returns were, whenever someone invested.
How it handled market falls
Biggest falls in this fund's NAV
| Peak | Bottom | Fall | Back to the peak on | Time to recover |
|---|---|---|---|---|
| 24 Nov 2016 | 23 Mar 2020 | -15.1% | 6 May 2022 | 25 months |
| 20 Mar 2023 | 23 Mar 2023 | -6.3% | 1 Feb 2024 | 10 months |
Falls of 5% or more from a previous high, deepest first. Time to recover runs from the bottom to the day the NAV regained its old high.
SIP returns: ₹10,000 every month
| SIP for | Invested | Value today | Gain | XIRR |
|---|---|---|---|---|
| 1Y | ₹1,20,000 | ₹1,20,668 | ₹668 | +1.03% |
| 3Y | ₹3,60,000 | ₹3,71,102 | ₹11,102 | +1.98% |
| 5Y | ₹6,00,000 | ₹6,36,646 | ₹36,646 | +2.34% |
| 10Y | ₹12,00,000 | ₹13,55,016 | ₹1,55,016 | +2.39% |
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.
What your investment would be worth
Worked out from the scheme's weekly NAVs (instalments on the first NAV of each month), so it can differ slightly from your statement. Past performance may or may not be sustained in future. Plan a future SIP.
Compare with all Medium & Long Duration Funds (25)
| S.No. | Scheme (Direct plans, Growth) | NAV ₹ | 1M % | 6M % | 1Y % | 3Y % CAGR | 5Y % CAGR | Expense ratio % | Fund size ₹ Cr | Riskometer |
|---|---|---|---|---|---|---|---|---|---|---|
| 1. | Aditya Birla Sun Life Medium Term FundAditya Birla Sun Life Mutual Fund | ₹47.9287 | — | — | — | — | — | 0.83 | 3,370 | Moderately High Risk |
| 2. | Aditya Birla Sun Life Medium to Long Term FundAditya Birla Sun Life Mutual Fund | ₹139.1024 | — | — | — | — | — | 0.69 | 1,734 | Moderate Risk |
| 3. | Axis Medium Term FundAxis Mutual Fund | ₹33.2943 | — | — | — | — | — | 0.72 | 1,972 | Moderately High Risk |
| 4. | Bandhan Medium Term FundBandhan Mutual Fund | ₹53.4042 | — | — | — | — | — | 0.66 | 1,244 | Moderate Risk |
| 5. | Bandhan Medium to Long Term FundBandhan Mutual Fund | ₹74.9877 | — | — | — | — | — | 0.99 | 428 | Moderate Risk |
| 6. | Canara Robeco Medium To Long Term FundCanara Robeco Mutual Fund | ₹64.1360 | — | — | — | — | — | 0.78 | 111 | Moderate Risk |
| 7. | DSP Medium Term FundDSP Mutual Fund | ₹91.5889 | — | — | — | — | — | 0.41 | 249 | Moderately High Risk |
| 8. | Franklin India Medium to Long Term FundFranklin Templeton Mutual Fund | ₹11.2244 | — | — | — | — | — | 0.34 | 41 | Moderate Risk |
| 9. | HDFC Medium Term FundHDFC Mutual Fund | ₹65.9886 | — | — | — | — | — | 0.70 | 3,499 | Moderately High Risk |
| 10. | HDFC Medium to Long Term FundHDFC Mutual Fund | ₹66.7684 | — | — | — | — | — | 0.81 | 813 | Moderate Risk |
| 11. | HSBC Medium Term FundHSBC Mutual Fund | ₹23.7971 | — | — | — | — | — | 0.41 | 670 | Moderately High Risk |
| 12. | HSBC Medium to Long Term FundHSBC Mutual Fund | ₹48.6444 | — | — | — | — | — | 0.63 | 48 | Moderate Risk |
| 13. | ICICI Prudential Medium Term FundICICI Prudential Mutual Fund | ₹53.6676 | — | — | — | — | — | 0.73 | 5,331 | Moderately High Risk |
| 14. | ICICI Prudential Medium to Long Term FundICICI Prudential Mutual Fund | ₹44.4560 | — | — | — | — | — | 0.59 | 2,019 | Moderate Risk |
| 15. | Invesco India Medium Term FundInvesco Mutual Fund | ₹1,351.40 | — | — | — | — | — | 0.32 | 131 | Moderate Risk |
| 16. | JM Medium to Long Term FundJM Financial Mutual Fund | ₹71.4206 | — | — | — | — | — | 0.59 | 29 | Moderate Risk |
| 17. | Kotak Medium Term FundKotak Mahindra Mutual Fund | ₹27.4754 | — | — | — | — | — | 0.67 | 1,912 | Moderately High Risk |
| 18. | Kotak Medium to Long Term FundKotak Mahindra Mutual Fund | ₹89.9908 | — | — | — | — | — | 0.74 | 1,760 | Moderate Risk |
| 19. | LIC MF Medium to Long Term FundLIC Mutual Fund | ₹81.9127 | — | — | — | — | — | 0.22 | 173 | Moderate Risk |
| 20. | Nippon India Medium to Long Term FundNippon India Mutual Fund | ₹104.2378 | — | — | — | — | — | 0.67 | 312 | Moderate Risk |
| 21. | SBI MEDIUM TERM FUNDSBI Mutual Fund | ₹59.5077 | — | — | — | — | — | 0.72 | 6,419 | Moderately High Risk |
| 22. | SBI MEDIUM TO LONG TERM FUNDSBI Mutual Fund | ₹79.7955 | — | — | — | — | — | 0.78 | 2,036 | Moderately High Risk |
| 23. | Sundaram Medium Term Fund (Formerly Known as Sundaram Medium Duration Fund)Sundaram Mutual Fund | ₹80.2401 | — | — | — | — | — | 1.17 | 32 | Moderate Risk |
| 24. | UTI Medium Term FundUTI Mutual Fund | ₹20.6055 | — | — | — | — | — | 0.87 | 34 | Moderate Risk |
| 25. | UTI Medium to Long Term FundUTI Mutual Fund | ₹82.9058 | — | — | — | — | — | 1.27 | 303 | Moderately High Risk |
| Median: 25 schemes | — | — | — | — | — | — | 0.70 | 670 | — |
Detailed comparison with another fund About Medium & Long Duration Funds
Sorted by 3-year return; tap a heading to sort. Expense ratio and fund size are from published scheme data ("—" = not available yet). Sorting by past returns is a way to explore data, not a ranking of which fund to choose.
Scheme details
- Investment objective
- The investment objective of the scheme is to generate optimal returns with adequate liquidity by investing in debt and money market instruments such that the Macaulay duration of the portfolio is between 4 years and 7 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
- Amit Sharma
- Fund house
- UTI Mutual Fund
- Category
- Medium & Long Duration Funds · Debt
- Plan / option
- Direct · IDCW (income distribution)
- AMFI scheme code
- 139339
- ISIN
- INF789FA1T80
- 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
- UTI Medium to Long Term Fund - Direct Plan - Growth
- UTI Medium to Long Term Fund - Regular Plan - Growth
- UTI Medium to Long Term Fund - Direct Plan - Discontinued Flexi IDCW
- UTI Medium to Long Term Fund - Direct Plan - Discontinued Quarterly IDCW
- UTI Medium to Long Term Fund - Direct Plan - Half-Yearly IDCW
- UTI Medium to Long Term Fund - Regular Plan - Annual IDCW
- UTI Medium to Long Term Fund - Regular Plan - Discontinued Flexi IDCW
- UTI Medium to Long Term Fund - Regular Plan - Discontinued Quarterly IDCW
Tax on your gains
Tax treatment depends on what the fund holds: equity-oriented if at least 65% is in Indian shares (directly or through equity funds), debt-oriented if over 65% is in debt, otherwise the "other" rules.
- Dividends (IDCW option) are added to your income and taxed at your slab rate; the fund deducts 10% TDS when they exceed ₹10,000 in a year.
- Switching from one scheme or plan to another counts as selling and buying.
- Surcharge and 4% health and education cess apply on top of these rates.
| Fund type | Short-term | Long-term |
|---|---|---|
| Equity-oriented | 20% (up to 12 months) | 12.5% above ₹1.25 lakh |
| Debt-oriented (bought from Apr 2023) | Slab rate | Slab rate |
| Gold, international, other hybrid | Slab rate | 12.5% (after 12 or 24 months) |
Exit load, if any, is set out in the scheme's KIM (scheme documents). Tax rules change from time to time and depend on your situation; please confirm with your tax adviser. This is general information, not tax advice.
Fund manager
From the scheme details published by the fund house. "Also manages" lists schemes we have on record and grows as more schemes are viewed.
Latest news: UTI Mutual Fund
- UTI Mutual Fund Elevates Mohit Totlani To Head - MarketingBW Marketing World · 13 Oct
- Mohit Totlani takes charge as Head of Marketing at UTI Mutual FundBMI · 13 Oct
- UTI Mutual Fund elevates Mohit Totlani to Head of MarketingExchange4Media · 13 Oct
- Good time to increase equity allocation; risk-reward is favourable: Vetri Subramaniam, MD & CEO, UTI AMCThe Economic Times · 12 Oct
- UTI Mutual Fund files offer document for Nifty Healthcare Index FundInvestment Guru India · 8 Oct
- UTI AMC UTIAMC Reg 74(5) Certificate Q2 FY27Kalkine India · 6 Oct
- UTI AMC UTIAMC Q2 FY27 Earnings Call Date SetKalkine India · 5 Oct
- UTI AMC schedules Q2FY27 earnings call for October 27 at 4 pmscanx.trade · 5 Oct
Headlines from Google News about this fund house and its schemes over the last 30 days. Lists of "best funds" and buy or sell calls are left out. Links open the publisher's site.
Questions about this scheme
What is the NAV of UTI Medium to Long Term Fund today?
What returns has UTI Medium to Long Term Fund given?
What is the expense ratio of UTI Medium to Long Term Fund?
How risky is this fund?
What is the difference between Direct and Regular plans?
What are Medium & Long Duration Funds?
How are gains from UTI Medium to Long Term Fund taxed?
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