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3 star

UTI Ultra Short Term Fund - Regular Plan


1 Lakh

Investment Grown to
₹ 1.06 Lakh

₹ 10000

Monthly SIP Grown to
₹ 1.24 Lakh

Suitability:

"Ultra Short Duration debt funds invest in bonds maturing in three to six months. They aim to earn slightly better returns than what you can get from a bank account or a short duration fixed deposit. The risk of incurring a loss in these funds over the said timeframe is low but they do not guarantee returns or safety of capital.

Such funds are usually more suited to institutional investors. Retail investors can avoid these funds altogether. Here's why. Debt funds are very finely classified depending upon the maturity of the bonds they invest in. For instance, there's a different category of funds that invests in bonds of up to three months maturity, from the one that invests in bonds maturing in three to six months, and so on. We believe that such a nuanced classification adds little value to retail investors. They can avoid this complexity and simply invest the money they don't need for up to a year in a Liquid fund.

If you do decide to invest in them, remember that these funds usually deliver low returns which are only marginally higher than your bank account. They are not suitable if your aim is to build wealth in the long run."

Taxability of earnings:

Capital gains

  • If the mutual fund units are sold after 3 years from the date of investment, gains are taxed at the rate of 20% after providing the benefit of inflation indexation.
  • If the mutual fund units are sold within 3 years from the date of investment, entire amount of gain is added to the investors' income and taxed according to the applicable slab rate.
  • No tax is to be paid as long as you continue to hold the units.

Dividends

  • Dividends are added to the income of the investors and taxed according to their respective tax slabs. Further, if an investor's dividend income exceeds Rs. 5,000 in a financial year, the fund house also deducts a TDS of 10% before distributing the dividend.

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(₹)
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Trailing Returns (%)

YTD 1-Day 1-W 1-M 3-M 6-M 1-Y 3-Y 5-Y 7-Y 10-Y
Fund 0.17 -0.01 0.05 0.30 0.75 4.36 6.16 4.78 5.57 6.47 7.27
CCIL T Bill Liquidity Weight 0.08 -0.01 0.02 0.17 0.50 1.03 2.09 3.08 3.50 3.91 4.42
Debt: Ultra Short Duration 0.18 -0.01 0.05 0.31 0.79 1.73 3.64 5.24 5.45 6.19 7.34
Rank within category 19 21 15 19 17 1 2 15 8 7 7
Number of funds in category 27 27 27 27 27 27 26 20 14 14 12

As on 19-Jan-2022

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
UTI Ultra Short Term Fund - Regular Plan  | Invest Online
3 star
Aug-03 6.16 4.78 5.57 0.95% 2,161
Aditya Birla Sun Life Savings Fund  | Invest Online
5 star
Nov-01 4.12 6.34 6.73 0.48% 14,743
HDFC Ultra Short Term Fund - Regular Plan  | Invest Online
4 star
Sep-18 3.66 5.80 -- 0.64% 13,642
ICICI Prudential Ultra Short Term Fund  | Invest Now
5 star
May-11 4.12 6.20 6.57 0.91% 11,500
Kotak Savings Fund Regular Plan  | Invest Online
4 star
Aug-04 3.38 5.51 6.14 0.77% 11,223

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 1.48 27-Sep-2021 - 04-Oct-2021 -3.57 03-Jun-2019 - 10-Jun-2019
Month 3.02 20-Sep-2021 - 20-Oct-2021 -3.22 03-Jun-2019 - 03-Jul-2019
Quarter 3.59 15-Jul-2021 - 14-Oct-2021 -2.43 31-May-2019 - 30-Aug-2019
Year 9.88 05-Apr-2013 - 07-Apr-2014 1.80 25-Mar-2019 - 24-Mar-2020

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 4.80 2.66 0.40 0.37 -0.42 0.82
CCIL T Bill Liquidity Weight 3.13 0.39 -1.53 -4.65 -- --
Debt: Ultra Short Duration 5.21 1.13 1.74 4.46 1.12 2.16
Rank within category 15 18 18 19 2 20
Number of funds in category 20 20 20 20 20 20

The Risk Measures have been calculated using calendar month returns for the last three years.

As on 31-Dec-2021

Portfolio Aggregates

Fund 1Y High 1Y Low Category
Number of Securities 52 67 41 36
Modified Duration (yrs) 0.28 0.51 0.28 0.38
Average Maturity (yrs) 0.30 0.51 0.23 0.43
Yield to Maturity (%) 4.05 4.86 3.81 4.65
Avg Credit Rating AAA -- -- --

Value Research Fund Style

Credit Rating vis-à-vis Category

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Top Holdings

Company Instrument Credit Rating 1Y Range % Assets
equal HDFC Bank 21/03/2022 Certificate of Deposit A1+ 0.00 - 6.89 6.89
up 2.00% Tata Steel 23/04/2022 Debenture AA+ 0.00 - 5.93 5.93
equal Reliance Jio Infocomm 91-D 17/01/2022 Commercial Paper A1+ 0.00 - 4.62 4.62
equal 7.60% Nat. Highways Authority 18/03/2022 Bonds AAA 0.00 - 3.94 3.50
equal Reliance Retail Ventures 91-D 02/02/2022 Commercial Paper A1+ 0.00 - 3.46 3.46
equal Export-Import Bank 196-D 24/03/2022 Certificate of Deposit A1+ 0.00 - 5.08 3.44
equal 7.70% National Bank Agr. Rur. Devp 20-D 13/06/2022 Non Convertible Debenture AAA 0.00 - 2.65 2.35
equal 8.30% Reliance Industries 2022 Debenture AAA 0.00 - 4.53 2.33
new 8.60% National Bank Agr. Rur. Devp 31/01/2022 Debenture AAA 0.00 - 2.32 2.32
equal Vedanta 91-D 21/01/2022 Commercial Paper A1+ 0.00 - 2.31 2.31
new 4.60% National Bank Agr. Rur. Devp 29/07/2024 Debenture AAA 0.00 - 2.31 2.31
up 5.63% GOI 2026 GOI Securities SOV 0.00 - 2.30 2.30
equal Bajaj Finance 365-D 22/02/2022 Commercial Paper A1+ 0.00 - 2.55 2.30
equal Export-Import Bank 181-D 30/03/2022 Certificate of Deposit A1+ 0.00 - 2.29 2.29
new ICICI Securities 189-D 10/06/2022 Commercial Paper A1+ 0.00 - 2.27 2.27
equal Shriram Transport Finance Company 28/04/2023 Debenture AA+ 0.00 - 2.18 1.97
equal 8.58% HDFC 18/03/2022 Debenture AAA 0.00 - 2.11 1.87
new 9.95% Food Corporation of India 2022 Bonds AAA 0.00 - 1.87 1.87
equal KEC International 172-D 07/01/2022 Commercial Paper A1+ 0.00 - 1.28 1.16
equal JM Financial Products 365-D 04/03/2022 Commercial Paper A1+ 0.00 - 1.26 1.15
equal ICICI Securities 222-D 16/03/2022 Commercial Paper A1+ 0.00 - 1.27 1.15
equal Piramal Enterprises 144-D 04/02/2022 Commercial Paper A1+ 0.00 - 1.26 1.15
equal National Bank Agr. Rur. Devp 171-D 31/01/2022 Commercial Paper A1+ 0.00 - 1.28 1.15
equal ICICI Securities 269-D 25/03/2022 Commercial Paper A1+ 0.00 - 1.27 1.15
new Astec Lifesciences 62-D 14/02/2022 Commercial Paper A1+ 0.00 - 1.15 1.15

up down equal Indicates an increase or decrease or no change in holding since last portfolio
new Indicates a new holding since last portfolio

As on 31-Dec-2021

Fund Manager

— Ritesh Nambiar since 01-Jul-2015

Education: Mr. Nambiar is an MMS (Finance), CFA and FRM holder.

Experience: Prior to joining UTI AMC in March 2008, he was a Fixed Income Analyst with CRISIL Research (January 2007 - March 2008) and a Fixed Income Trader with Eurex, LIFFE and CBOE Desk )(May 2005 - October 2006).

Funds Managed:


-0.01%

Change from previous, NAV as on 19-Jan-2022

Growth: ₹ 3,435.7620

IDCW Yearly: ₹ 1,164.0658

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IDCW Weekly: ₹ 1,100.4155

IDCW Quarterly: ₹ 1,123.4495

IDCW Monthly: ₹ 1,040.3163

IDCW Half Yearly: ₹ 1,148.9905

IDCW Fortnightly: ₹ 1,320.1941

IDCW Daily: ₹ 1,046.0605

Flexi IDCW: ₹ 1,366.0810


Investment Strategy

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

Investment Details

Min. Investment (₹) 500
Min. Addl Investment (₹) 500
Min. SIP Investment (₹) 500
Min. No of Cheques 6
Min. Withdrawal (₹) 500
Min. Balance (₹) --
Lock-in Period Not Applicable
Exit Load 0

Basic Details

Fund House: UTI Mutual Fund
Launch Date: 29-Aug-2003
Return Since Launch: 6.94%
Benchmark: CRISIL Ultra Short Term Debt Index
Riskometer: Low to Moderate
Type: Open-ended
Assets: ₹ 2,161 Cr (As on 31-Dec-2021)
Expense: 0.95% (As on 30-Nov-2021)
Risk Grade: Above Average
Return Grade: Average

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW Daily18-Jan-20220.0680

 17-Jan-20220.3125
 14-Jan-20220.1112
 13-Jan-20220.1405
 12-Jan-20220.0997
 11-Jan-20220.1109
 10-Jan-20220.2356
 07-Jan-20220.1632
 06-Jan-20220.0743
 05-Jan-20220.1373
 04-Jan-20220.0590
 03-Jan-20220.3356
 31-Dec-20210.1545
 30-Dec-20210.1208
 29-Dec-20210.1179
 28-Dec-20210.0544
 27-Dec-20210.2924
 24-Dec-20210.1498
 23-Dec-20210.1875
 22-Dec-20210.0238
 20-Dec-20210.2241
 17-Dec-20210.0166
 15-Dec-20210.0689
 13-Dec-20210.2974
 10-Dec-20210.0868
IDCW Fortnightly10-Jan-20221.8331

 27-Dec-20211.5910
 10-Dec-20211.7675
 25-Nov-20211.6018
 10-Nov-20211.7838
 25-Oct-20212.7202
 11-Oct-202120.4369
 27-Sep-202116.9663
 13-Sep-20212.2951
 25-Aug-20212.2232
 11-Aug-20211.6420
 26-Jul-20211.8632
 12-Jul-20212.0996
 25-Jun-20211.3769
 10-Jun-20212.1715
 25-May-20211.6900
 10-May-20211.5321
 26-Apr-20212.1369
 12-Apr-20212.4144
 25-Mar-20211.9918
 10-Mar-20211.1149
 25-Feb-20212.2413
 10-Feb-20211.9705
 25-Jan-20210.9354
 11-Jan-20211.7857
IDCW Monthly03-Jan-20225.0000

 01-Dec-20215.0000
 01-Nov-20215.0000
 01-Oct-20215.0000
 01-Sep-20215.0000
 02-Aug-20215.0000
 01-Jul-20215.0000
 01-Jun-20215.0000
 03-May-20215.0000
 05-Apr-20215.0000
 01-Mar-20215.0000
 01-Feb-20215.0000
 01-Jan-20215.0000
 01-Dec-20205.0000
 02-Nov-20205.0000
 01-Oct-20205.0000
 01-Sep-20205.0000
 03-Aug-20205.0000
 01-Jul-20205.0000
 01-Jun-20205.0000
 04-May-20205.0000
 03-Apr-20205.0000
 02-Mar-20203.6016
 03-Feb-20203.6016
 01-Jan-20203.6016
IDCW Quarterly23-Dec-202115.0000

 22-Sep-20217.5000
 23-Jun-20212.5000
 22-Mar-202115.0000
 21-Dec-20207.5000
 23-Sep-202010.0000
 24-Jun-20207.5000
 26-Mar-20203.6016
 26-Dec-20197.2032
 25-Mar-201914.4064
 26-Dec-20187.2032
 25-Sep-20187.2032
 26-Jun-20187.2032
 26-Mar-201810.8340
 26-Dec-201710.8340
 25-Sep-201710.8340
 28-Jun-201710.8340
 22-Mar-201718.0566
 26-Dec-201610.8340
 26-Sep-201610.8340
 27-Jun-201610.8340
 28-Mar-201614.4453
 28-Dec-201510.8340
 28-Sep-201510.8340
 25-Jun-201510.8340
IDCW Weekly20-Oct-20211.1250

 12-Oct-20212.3806
 05-Oct-202119.3506
 28-Sep-20214.4681
 03-Aug-20210.4445
 27-Jul-20210.6173
 20-Jul-20210.8595
 13-Jul-20210.8954
 06-Jul-20210.7036
 29-Jun-20210.6564
 22-Jun-20210.4559
 15-Jun-20210.7057
 08-Jun-20210.8781
 01-Jun-20210.5732
 25-May-20210.7008
 18-May-20210.5859
 11-May-20210.6339
 04-May-20210.6488
 27-Apr-20210.8780
 20-Apr-20210.5286
 15-Apr-20210.8398
 06-Apr-20210.8696
 30-Mar-20211.1369
 23-Mar-20210.9292
 16-Mar-20210.3942
IDCW Half Yearly22-Sep-202110.0000

 22-Mar-202132.5000
 23-Sep-20207.5000
 26-Mar-20203.6016
 25-Mar-201921.6097
 25-Sep-201814.4064
 26-Mar-201821.6679
 25-Sep-201721.6679
 22-Mar-201728.8906
 26-Sep-201621.6679
 28-Mar-201625.2793
 28-Sep-201510.8340
Flexi IDCW22-Mar-202140.0000

 26-Mar-20203.6016
 25-Mar-201936.0161
 26-Mar-201843.3359
 22-Mar-201750.5585
 28-Mar-201643.3359
 26-Mar-201525.4053
 25-Sep-201429.2227
IDCW Yearly22-Mar-202140.0000

 26-Mar-20203.6016
 25-Mar-201936.0161
 26-Mar-201843.3359
 22-Mar-201750.5585
 28-Mar-201621.6679

Contact Information

AMC: UTI Asset Management Company Ltd

Address: UTI Tower, 'GN' Block, Bandra-Kurla Complex, Bandra (East), Mumbai - 400051

Phone: 022- 66786666 / 66786354 / 1800-22-1230

Fax: 022-26523031

Email: [email protected]

Website: http://www.utimf.com

Registrar & Transfer Agent: KFin Technologies Pvt Ltd.

Address: 303, Vamsee Estates, Opp. Big Bazaar, Ameerpet, Hyderabad - 500016

Phone: 040-44857874

Email: [email protected]

Website: www.karvymfs.com

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