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MF Analyser

UTI Short Term Fund

Regular Plan · Annual IDCW · Mutual fund · Scheme code 134517

NAV₹14.9082as on 24 Sep 2026
Fund houseUTI Mutual Fund
CategoryMutual fund
Plan & optionRegular · Annual IDCW
History11.4 years

Returns (%)

 1M3M6M1Y3Y5Y7Y10YLaunch
This scheme 0.021.182.71 4.976.866.21 5.833.313.52

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

Risk

 VolatilitySharpeSortinoBetaAlphaMax fallR²
This scheme 4.9% 0.07 0.08 — — -15.5% —

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

93113133153201620182020202220242026MF Analyser

Drawdown from peak (%)

0%-5%-10%-16%201620182020202220242026

Every one-year period it has lived through

WindowsWorstMedianBestPeriods that lost money
505 -9.0% 3.9% 12.1% 22%

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 · Annual IDCW

Allocation

By asset

Debt94.60%
Cash & Equivalents5.38%

By market cap

Concentration

Number of stocks44
Top 5 stocks23.26%
Top 10 stocks39.07%
Top 20 stocks63.75%
Lines in the filing46
Largest holding6.13%
Largest sectorCRISIL-AAA 51.38%
Effective stocks36.4
Sectors held11
Cash5.38%

Effective stocks is what the concentration works out to: a fund holding 44 names but most of its money in a few behaves like a fund of 36. Cash includes repo and TREPS, which every fund parks money in overnight.

Sector split

CRISIL-AAA — 51.4%SOV — 12.6%ICRA-AAA — 7.4%Cash & Equivalents — 5.4%CRISIL-AA+ — 4.9%CRISIL-A1+ — 4.8%ICRA-AA — 4.4%ICRA-AA+ — 3.4%Other — 5.8%CRISIL-AAA51.4%SOV12.6%ICRA-AAA7.4%Cash & Equivalents5.4%CRISIL-AA+4.9%CRISIL-A1+4.8%ICRA-AA4.4%ICRA-AA+3.4%Other5.8%
CRISIL-AAA51.38%
SOV12.60%
ICRA-AAA7.37%
Cash & Equivalents5.38%
CRISIL-AA+4.85%
CRISIL-A1+4.78%
ICRA-AA4.40%
ICRA-AA+3.44%
CRISIL-AAA(SO)2.41%
IND-AAA(SO)1.69%
CARE-AA+1.23%
-0.45%
MF Analyser

UTI Short Term Fund

Regular Plan · Annual IDCW · holdings

Top 30 holdings

#CompanySectorShares held Value
₹ cr		% of fund
1 NCD EXPORT IMPORT BANK OF INDIA CRISIL-AAA 12,500 — 6.13%
2 NET CURRENT ASSETS Unclassified — — 5.37%
3 NCD NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT CRISIL-AAA 10,000 — 4.91%
4 NCD VEDANTA LTD CRISIL-AA+ 9,800 — 4.85%
5 NCD LIC HOUSING FINANCE LTD. CRISIL-AAA 7,500 — 3.69%
6 NCD SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA CRISIL-AAA 7,500 — 3.68%
7 NCD 360 ONE PRIME LTD ICRA-AA 7,500 — 3.67%
8 NCD POONAWALLA FINCORP LTD. CRISIL-AAA 7,500 — 3.67%
9 NCD PIRAMAL FINANCE LIMITED ICRA-AA+ 7,000 — 3.44%
10 07.18% GSEC MAT -14/08/2033 SOV 500,000,000 — 2.52%
11 NCD REC LTD CRISIL-AAA 500 — 2.51%
12 NCD LIC HOUSING FINANCE LTD. CRISIL-AAA 500 — 2.51%
13 NCD POWER FINANCE CORPORATION LTD. CRISIL-AAA 5,000 — 2.48%
14 NCD INDIAN RAILWAY FINANCE CORPORATION LIMITED CRISIL-AAA 5,000 — 2.48%
15 06.94% GSEC Mat- 11/05/2036 SOV 500,000,000 — 2.47%
16 NCD NATIONAL HOUSING BANK CRISIL-AAA 5,000 — 2.46%
17 NCD NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT ICRA-AAA 5,000 — 2.46%
18 NCD SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA CRISIL-AAA 5,000 — 2.46%
19 NCD REC LTD ICRA-AAA 5,000 — 2.46%
20 NCD SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA CRISIL-AAA 5,000 — 2.45%
21 NCD BAJAJ HOUSING FINANCE LTD CRISIL-AAA 5,000 — 2.45%
22 NCD EXPORT IMPORT BANK OF INDIA ICRA-AAA 5,000 — 2.45%
23 6.28% GSEC MAT- 14/07/2032 SOV 500,000,000 — 2.42%
24 07.80% XIRR PTC- SIDDHIVINAYAK SECURITISATION TRUST-28/09/2030 CRISIL-AAA(SO) 50 — 2.41%
25 CD - AXIS BANK - 07/12/2026 CRISIL-A1+ 500,000,000 — 2.39%
26 CD - INDUS IND BANK - 07/12/2026 CRISIL-A1+ 500,000,000 — 2.39%
27 08.20% PTC- INDIA UNIVERSAL TRUST AL1-SERIES A3 IND-AAA(SO) 30 — 1.27%
28 NCD NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT CRISIL-AAA 2,500 — 1.23%
29 7.54% MAHARASHTRA SGS Mat - 04/02/2037 SOV 250,000,000 — 1.23%
30 7.57% UTTARPRADESH SGS Mat - 04/02/2036 SOV 250,000,000 — 1.23%
MF Analyser

UTI Short Term Fund

Regular Plan · Annual IDCW · where the money sits

A ₹10,000 monthly SIP over five years

InvestedValueGainXIRR
₹600,000 ₹704,109 ₹104,109 6.34%

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. InvestVerdict 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 25 Sep 2026.