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MF Analyser

UTI Short Term Fund

Regular Plan · Discontinued Dividend Sub Option · Mutual fund · Scheme code 106383

NAV₹25.2124as on 9 Nov 2026
Fund houseUTI Mutual Fund
CategoryMutual fund
Plan & optionRegular · Discontinued Dividend Sub Option
History19.2 years

Returns (%)

 1M3M6M1Y3Y5Y7Y10YLaunch
This scheme 0.500.422.68 4.396.605.80 6.795.194.72

Over a year annualised (CAGR), under a year absolute. Computed from AMFI's published NAV history for this scheme.

Risk

 VolatilitySharpeSortinoBetaAlphaMax fallR²
This scheme 1.4% 0.07 0.11 — — -13.2% —

Risk-free rate 6.5%. Beta, alpha and R² are regressed on the — months this scheme and its benchmark share.

Growth of ₹100 since launch

871431982542008201020122014201620182020202220242026MF Analyser

Drawdown from peak (%)

0%-4%-8%-13%2008201020122014201620182020202220242026

Every one-year period it has lived through

WindowsWorstMedianBestPeriods that lost money
4,390 -7.0% 4.7% 12.2% 5%

Every one-year holding period in this scheme's history, not just the last one — the spread a real investor would have met depending only on when they started.

MF Analyser

UTI Short Term Fund

Regular Plan · Discontinued Dividend Sub Option

Allocation

By asset

Debt84.51%
Cash & Equivalents15.48%

By market cap

Unclassified84.51%

Concentration

Number of stocks36
Top 5 stocks25.17%
Top 10 stocks40.75%
Top 20 stocks66.35%
Lines in the filing38
Largest holding6.93%
Largest sectorCRISIL-AAA 47.71%
Effective stocks36.6
Sectors held10
Cash15.48%

Effective stocks is what the concentration works out to: a fund holding 36 names but most of its money in a few behaves like a fund of 37. Cash includes repo and TREPS, which every fund parks money in overnight.

Sector split

CRISIL-AAA — 47.7%Cash & Equivalents — 15.5%SOV — 10.8%CRISIL-AA+ — 7.0%CRISIL-A1+ — 5.6%ICRA-AA — 5.1%Other — 8.4%CRISIL-AAA47.7%Cash & Equivalents15.5%SOV10.8%CRISIL-AA+7.0%CRISIL-A1+5.6%ICRA-AA5.1%Other8.4%
CRISIL-AAA47.71%
Cash & Equivalents15.48%
SOV10.83%
CRISIL-AA+6.97%
CRISIL-A1+5.58%
ICRA-AA5.07%
CRISIL-AAA(SO)2.70%
ICRA-AA+1.98%
IND-AAA(SO)1.75%
ICRA-AAA1.39%
-0.53%
MF Analyser

UTI Short Term Fund

Regular Plan · Discontinued Dividend Sub Option · holdings as on 30 Sep 2026

Top 30 holdings

#CompanySectorShares held Value
₹ cr		% of fund
1 NET CURRENT ASSETS Unclassified — — 15.46%
2 NCD EXPORT IMPORT BANK OF INDIA CRISIL-AAA 12,500 — 6.93%
3 NCD VEDANTA LTD CRISIL-AA+ 9,800 — 5.56%
4 NCD POONAWALLA FINCORP LTD. CRISIL-AAA 7,500 — 4.23%
5 NCD LIC HOUSING FINANCE LTD. CRISIL-AAA 7,500 — 4.23%
6 NCD 360 ONE PRIME LTD ICRA-AA 7,500 — 4.22%
7 NCD SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA CRISIL-AAA 7,500 — 4.20%
8 NCD LIC HOUSING FINANCE LTD. CRISIL-AAA 500 — 2.87%
9 NCD REC LTD CRISIL-AAA 500 — 2.86%
10 07.18% GSEC MAT -14/08/2033 SOV 500,000,000 — 2.83%
11 NCD INDIAN RAILWAY FINANCE CORPORATION LIMITED CRISIL-AAA 5,000 — 2.82%
12 NCD BAJAJ HOUSING FINANCE LTD CRISIL-AAA 5,000 — 2.82%
13 NCD REC LTD CRISIL-AAA 5,000 — 2.80%
14 NCD POWER FINANCE CORPORATION LTD. CRISIL-AAA 5,000 — 2.79%
15 CD - AXIS BANK - 07/12/2026 CRISIL-A1+ 500,000,000 — 2.79%
16 CD - INDUS IND BANK - 07/12/2026 CRISIL-A1+ 500,000,000 — 2.79%
17 NCD SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA CRISIL-AAA 5,000 — 2.79%
18 6.28% GSEC MAT- 14/07/2032 SOV 500,000,000 — 2.72%
19 07.80% XIRR PTC- SIDDHIVINAYAK SECURITISATION TRUST-28/09/2030 CRISIL-AAA(SO) 50 — 2.70%
20 NCD PIRAMAL FINANCE LIMITED ICRA-AA+ 3,500 — 1.98%
21 08.20% PTC- INDIA UNIVERSAL TRUST AL1-SERIES A3 IND-AAA(SO) 30 — 1.42%
22 NCD MANKIND PHARMA LTD CRISIL-AA+ 2,500 — 1.41%
23 NCD POONAWALLA FINCORP LTD. CRISIL-AAA 2,500 — 1.41%
24 NCD SUMMIT DIGITEL INFRASTRUCTURE LTD CRISIL-AAA 250 — 1.40%
25 NCD REC LTD CRISIL-AAA 2,500 — 1.39%
26 NCD EXPORT IMPORT BANK OF INDIA ICRA-AAA 2,500 — 1.39%
27 NCD BAJAJ HOUSING FINANCE LTD CRISIL-AAA 2,500 — 1.39%
28 NCD INDIAN RAILWAY FINANCE CORPORATION LIMITED CRISIL-AAA 2,500 — 1.39%
29 NCD BAJAJ FINANCE LTD. CRISIL-AAA 2,500 — 1.39%
30 7.57% UTTARPRADESH SGS Mat - 04/02/2036 SOV 250,000,000 — 1.38%
MF Analyser

UTI Short Term Fund

Regular Plan · Discontinued Dividend Sub Option · where the money sits

A ₹10,000 monthly SIP over five years

InvestedValueGainXIRR
₹600,000 ₹701,603 ₹101,603 6.19%

XIRR, not CAGR — a SIP's money arrives over sixty months, so each instalment has been invested for a different length of time.

Not investment advice. MF Analyser is not a SEBI-registered Investment Adviser or Research Analyst. Every figure is computed from AMFI's published NAV history and the portfolio the AMC filed with AMFI; none of it is a recommendation to buy, hold or sell. Past returns do not predict future ones. Generated 10 Nov 2026.