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2 star

UTI Short Term Income Fund - Regular Plan


Debt: Short Duration

1 Lakh

Investment Grown to
₹ 1.09 Lakh

₹ 10000

Monthly SIP Grown to
₹ 1.27 Lakh

Suitability:

"Short Duration debt funds invest mainly in bonds maturing in a period of one to three years. They are suitable for investment horizons of one to three years, or for the fixed-income allocation in your longer-term portfolio. You can expect to earn higher returns than what a bank fixed deposit can fetch.

The risk of incurring a loss in these funds is low, but they do not guarantee returns or safety of capital like a bank deposit. There have been instances when short duration funds have incurred losses.

Remember, their returns may not be substantially higher than inflation. They are meant to deliver steady, but low to moderate returns and are not suitable 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 8.22 0.00 0.03 0.24 5.27 6.84 8.65 4.99 5.15 6.47 7.65
CCIL T Bill Liquidity Weight 1.88 0.03 0.04 0.17 0.43 1.08 2.05 3.24 3.53 3.99 4.48
Debt: Short Duration 3.98 0.00 0.06 0.37 1.32 2.69 4.34 6.37 5.90 6.85 7.61
Rank within category 3 12 24 27 3 3 3 20 19 17 14
Number of funds in category 26 28 28 28 28 27 26 25 23 23 21

As on 03-Dec-2021

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
UTI Short Term Income Fund - Regular Plan  | Invest Online
2 star
Aug-07 8.65 4.99 5.15 0.95% 4,063
ICICI Prudential Short Term Fund  | Invest Now
5 star
Oct-01 4.30 8.29 7.02 1.13% 20,584
HDFC Short Term Debt Fund  | Invest Online
5 star
Jun-10 4.28 8.38 7.57 0.75% 19,407
Kotak Bond - Short Term Regular Fund  | Invest Online
4 star
May-02 3.59 7.84 6.76 1.16% 17,142
IDFC Bond Fund Short Term Plan - Regular Plan
4 star
Dec-00 3.52 7.80 6.94 0.77% 12,688

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 2.36 15-Sep-2021 - 22-Sep-2021 -13.17 03-Jun-2019 - 10-Jun-2019
Month 4.88 14-Sep-2021 - 14-Oct-2021 -12.37 10-May-2019 - 10-Jun-2019
Quarter 6.48 26-Mar-2020 - 25-Jun-2020 -11.42 11-Mar-2019 - 10-Jun-2019
Year 13.18 18-May-2012 - 20-May-2013 -6.65 08-Jun-2018 - 10-Jun-2019

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 5.19 7.51 0.19 0.12 -1.61 0.42
CCIL T Bill Liquidity Weight 3.18 0.40 -1.54 -4.30 -- --
Debt: Short Duration 6.28 3.54 1.37 2.53 0.61 2.87
Rank within category 20 21 21 21 5 21
Number of funds in category 25 25 25 25 25 25

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

As on 30-Nov-2021

Portfolio Aggregates

Fund 1Y High 1Y Low Category
Number of Securities 57 57 46 59
Modified Duration (yrs) 1.17 3.11 1.17 --
Average Maturity (yrs) 2.40 3.61 1.44 --
Yield to Maturity (%) 4.89 5.13 4.70 --
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 GOI 22/09/2033 GOI Securities Floating Rate Bond SOV 0.00 - 9.50 7.24
new Reserve Bank of India 182-D 02/12/2021 Treasury Bills SOV 0.00 - 4.66 4.66
equal Axis Finance 24/05/2024 Debenture AAA 0.00 - 4.94 3.94
up 4.60% National Bank Agr. Rur. Devp 29/07/2024 Debenture AAA 0.00 - 3.87 3.70
equal 4.95% HDFC 2022 Non Convertible Debenture AAA 2.85 - 3.88 3.08
equal 6.99% Housing & Urban Development Corporation 2022 Debenture AAA 2.52 - 3.51 2.52
equal 6.09% Power Finance Corporation 27/08/2026 Non Convertible Debenture AAA 0.00 - 2.77 2.46
equal 4.79% Hindustan Petroleum Corporation 23/10/2023 Debenture AAA 2.46 - 3.38 2.46
equal 8.24% Tamilnadu State 2025 State Development Loan SOV 0.00 - 2.70 2.14
equal 6.75% Piramal Capital & Housing Finance 26/09/2031 Debenture AA 0.00 - 2.03 2.03
equal India Grid Trust 28/06/2024 Non Convertible Debenture AAA 1.88 - 2.52 1.88
equal 7.05% Mahindra Rural Housing Finance 26/09/2024 Non Convertible Debenture AA+ 0.00 - 2.00 1.72
equal Reserve Bank of India 182-D 16/12/2021 Treasury Bills SOV 0.00 - 1.79 1.59
equal 7.15% Tata Motors Finance 25/06/2024 Non Convertible Debenture AA- 0.00 - 1.74 1.48
equal 8.45% Sikka Ports and Terminals 2023 Debenture AAA 1.30 - 1.81 1.30
equal 7.68% GOI 15/12/2023 GOI Securities SOV 1.30 - 5.30 1.30
equal 9.15% ICICI Bank Additional Tier 1 Bond AA+ 1.29 - 1.78 1.29
equal 7.16% GOI 20/05/2023 Central Government Loan SOV 1.28 - 1.79 1.28
equal 7.24% REC 31/12/2022 Non Convertible Debenture AAA 1.27 - 1.77 1.27
equal 6.92% REC 22/04/2023 Non Convertible Debenture AAA 1.26 - 1.75 1.26
equal 6.70% National Bank Agr. Rur. Devp 2022 Debenture AAA 1.26 - 1.75 1.26
equal 8.27% Rajasthan State 23/06/2022 State Development Loan SOV 1.26 - 1.77 1.26
equal 9.95% Food Corporation of India 2022 Bonds AAA 0.00 - 4.84 1.26
equal HDFC 19/05/2022 Non Convertible Debenture AAA 0.00 - 1.58 1.25
equal 8.58% HDFC 18/03/2022 Debenture AAA 0.00 - 1.60 1.25

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-Oct-2021

Fund Manager

— Sudhir Agrawal since 09-Jul-2012

Education: Mr.Sudhir Agrawal is a M.Com, PGDBA (Finance) and a CFA.

Experience: Prior to joining UTI he has worked with TATA Asset Management Ltd., Tramp Value Pvt. Ltd. and CARE Ratings.

Interviews:

Funds Managed:


0.00%

Change from previous, NAV as on 03-Dec-2021

Growth: ₹ 25.3406

IDCW Yearly: ₹ 11.6032

More

IDCW Quarterly: ₹ 13.3122

IDCW Monthly: ₹ 11.4166

IDCW Half Yearly: ₹ 11.2515

Flexi IDCW: ₹ 14.8664


Investment Strategy

The scheme seeks to generate reasonable income, with low risk and high level of liquidity from a portfolio of debt & money market instruments.

Investment Details

Minimum Investment (₹) 500
Minimum Addl Investment (₹) 500
Minimum SIP Investment (₹) 500
Minimum No of Cheques 6
Minimum Withdrawal (₹) 500
Minimum Balance (₹) --
Lock-in Period Not Applicable
Exit Load 1% for redemption within 365 days

Basic Details

Fund House: UTI Mutual Fund
Launch Date: 28-Aug-2007
Return Since Launch: 7.69%
Benchmark: CRISIL Short-Term Bond Index
Riskometer: Low to Moderate
Type: Open-ended
Assets: ₹ 4,063 Cr (As on 31-Oct-2021)
Expense: 0.95% (As on 31-Oct-2021)
Risk Grade: Above Average
Return Grade: Below Average

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW Half Yearly22-Sep-20210.2000

 22-Mar-20210.3500
 23-Sep-20200.2500
 25-Mar-20190.2161
 25-Sep-20180.0936
 26-Mar-20180.1806
 25-Sep-20170.2167
 22-Mar-20170.2889
 26-Sep-20160.2167
IDCW Quarterly22-Sep-20210.1250

 23-Jun-20210.0750
 22-Mar-20210.1500
 21-Dec-20200.1500
 23-Sep-20200.1500
 24-Jun-20200.1500
 25-Mar-20190.1441
 26-Dec-20180.0864
 25-Sep-20180.0720
 26-Jun-20180.0216
 26-Mar-20180.1083
 26-Dec-20170.1083
 25-Sep-20170.1083
 28-Jun-20170.1083
 22-Mar-20170.1806
 26-Dec-20160.1083
 26-Sep-20160.1083
 27-Jun-20160.1083
 28-Mar-20160.2528
 28-Dec-20150.0722
 28-Sep-20150.0722
 25-Jun-20150.0722
 26-Mar-20150.1452
 29-Dec-20140.1815
 25-Sep-20140.1948
Flexi IDCW22-Mar-20210.6000

 25-Mar-20190.3241
 25-Sep-20140.0264
 03-Sep-20140.5954
IDCW Yearly22-Mar-20210.6000

 25-Mar-20190.3241
 26-Mar-20180.3972
 22-Mar-20170.5056
 28-Mar-20160.3972
IDCW Monthly03-Jun-20190.0432

 02-May-20190.0432
 02-Apr-20190.0432
 01-Mar-20190.0432
 01-Feb-20190.0432
 01-Jan-20190.0432
 03-Dec-20180.0432
 01-Nov-20180.0432
 01-Oct-20180.0432
 03-Sep-20180.0432
 01-Aug-20180.0432
 02-Jul-20180.0432
 01-Jun-20180.0432
 02-May-20180.0432
 03-Apr-20180.0504
 01-Mar-20180.0506
 01-Feb-20180.0506
 01-Jan-20180.0506
 04-Dec-20170.0506
 01-Nov-20170.0506
 03-Oct-20170.0506
 01-Sep-20170.0506
 01-Aug-20170.0506
 03-Jul-20170.0506
 01-Jun-20170.0506

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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