UTI Short Term Fund
- NAV as on 9 Nov 2026
- ₹33.88+0.09%1 day
- Return since launch
- 6.6%
- 52-week range
- ₹32.46 — ₹33.86
- AUM
- ₹1,770 Cr
UTI Short Term Fund is a Short Duration debt fund from UTI Mutual Fund with ₹1,770 Cr under management, launched in 2007. Over three years it has returned 5.9% a year, against 6.7% for its category. The expense ratio is 0.81% and the SEBI riskometer reading is Moderate.
Performance
UTI Short Term Fund NAV and returns
Growth of the fund against its category average over the period you pick.
Over 1Y this fund returned +4.3% against +4.3% for its category.
Performance
Returns
How the fund has done against its category and its benchmark.
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1Y | 4.5% | +0.2 pts | 4.3% | 4.5% |
| 2Y | 5.2% | +0.1 pts | 5.1% | 5.2% |
| 3Y | 5.9% | −0.8 pts | 6.7% | 6.0% |
| 5Y | 6.3% | +0.3 pts | 6.0% | 6.3% |
| 7Y | 6.6% | +0.4 pts | 6.2% | 6.0% |
| 10Y | 6.2% | −0.1 pts | 6.2% | 6.2% |
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1M | 0.6% | +0.1 pts | 0.5% | 0.5% |
| 3M | 0.4% | 0.0 pts | 0.4% | 0.4% |
| 6M | 2.7% | +0.1 pts | 2.6% | 2.7% |
| 1Y | 4.3% | 0.0 pts | 4.3% | 4.3% |
| 2Y | 6.0% | 0.0 pts | 6.0% | 6.2% |
| 3Y | 6.7% | 0.0 pts | 6.7% | 6.7% |
| 5Y | 6.0% | 0.0 pts | 6.0% | 5.8% |
| 7Y | 7.0% | +0.8 pts | 6.2% | 6.0% |
| 10Y | 5.7% | −0.5 pts | 6.2% | 6.4% |
Since launch (28 Aug 2007): 6.6%
Calendar-year returns
Category averageShow as a table
| Period | Fund | vs category | Category |
|---|---|---|---|
| 2025 | 7.3% | −0.7 pts | 8.1% |
| 2024 | 7.8% | −0.5 pts | 8.3% |
| 2023 | 6.9% | −0.4 pts | 7.3% |
| 2022 | 3.8% | −1.2 pts | 5.0% |
| 2021 | 8.4% | +3.8 pts | 4.5% |
| 2020 | 10.5% | +0.7 pts | 9.8% |
Returns over one year are annualised. Shorter periods are absolute.
Costs & terms
Costs and terms
What the fund charges each year, and the rules around putting money in and taking it out.
Costs
0.81%
Expense ratio as on 6 Nov 2026
Charged yearly and already deducted from the NAV.
- Base expense
- 0.69%
- Brokerage
- 0.01%
- Transaction charges
- 0.00%
- Statutory levies
- 0.11%
- Exit load
- Exit load of 1% if redeemed within 12 months.
- Lock-in
- None
Terms
- Min SIP
- ₹3,000
- Min lumpsum
- ₹5,000
- Plan
- GROWTH
- Fund type
- OPEN-ENDED
- Benchmark
- CRISIL Short Duration Debt A-II Index
Risk
Risk
What the riskometer means for this fund, and how its ratios sit against the category.
Your principal is treated as being at moderate risk — typically medium duration debt and conservative hybrid schemes.
| Ratio | Fund | Category avg | Read as |
|---|---|---|---|
| Alpha | — | — | Return earned above what the benchmark alone would have given. Higher is better. |
| Beta | — | — | How hard the fund moves when the market moves. Under 1 is steadier than the market. |
| Sharpe | 0.60 | 0.83 | Return earned for each unit of total risk taken. Higher is better. |
| Sortino | 0.92 | 1.36 | Return earned for each unit of downside risk. Higher is better. |
| Std. deviation | 1.38 | 1.37 | How widely monthly returns have varied around their own average. Lower is steadier. |
| Average of 5 category peers | |||
Portfolio
UTI Short Term Fund portfolio
Portfolio as of 30 Sep 2026
Asset allocation
- Debt84.5%
- Other15.5%
Top holdings
| Holding | Sector | Weight | Value | 3M chg | 6M chg | 1Y chg |
|---|---|---|---|---|---|---|
| Others | Others | 16.01% | ₹283 Cr | +1.30% | +1.15% | +0.82% |
| LIC Housing Finance Ltd. | Financial | 7.10% | ₹126 Cr | +4.82% | +4.34% | +3.25% |
| Small Industries Devp. Bank of India Ltd. | Financial | 6.99% | ₹124 Cr | +9.44% | +4.25% | +11.01% |
| REC Ltd. | Financial | 5.66% | ₹100 Cr | +4.85% | +4.33% | +3.14% |
| Poonawalla Fincorp Ltd. | Financial | 5.63% | ₹99.70 Cr | +7.04% | +6.34% | +4.65% |
| Vedanta Ltd. | Metals & Mining | 5.56% | ₹98.42 Cr | +4.64% | +2.03% | — |
| 360 ONE Wealth Ltd. | Financial | 4.22% | ₹74.64 Cr | +3.53% | +3.17% | — |
| Indian Railway Finance Corporation Ltd. | Financial | 4.21% | ₹74.44 Cr | +4.77% | +4.24% | +1.54% |
| GOI | Sovereign | 2.83% | ₹50.16 Cr | +2.42% | +2.13% | +0.80% |
| Bajaj Housing Finance Ltd. | Financial | 2.82% | ₹49.92 Cr | +2.35% | +2.11% | +1.55% |
| Axis Bank Ltd. | Financial | 2.79% | ₹49.43 Cr | +3.42% | — | +2.97% |
| Indusind Bank Ltd. | Financial | 2.79% | ₹49.39 Cr | +2.28% | — | — |
| Power Finance Corporation Ltd. | Financial | 2.79% | ₹49.36 Cr | +2.39% | +2.12% | +5.48% |
| Siddhivinayak Securitisation Trust | Others | 2.70% | ₹47.77 Cr | +2.32% | +2.08% | — |
| Piramal Finance Pvt. Ltd. | Financial | 1.98% | ₹35.04 Cr | +3.99% | +4.23% | — |
| India Universal Trust AL1 | Others | 1.42% | ₹25.14 Cr | +1.24% | +1.14% | +0.87% |
| Mankind Pharma Ltd. | Healthcare | 1.41% | ₹24.99 Cr | — | — | — |
| Summit Digitel Infrastructure Pvt. Ltd. | Communication | 1.40% | ₹24.81 Cr | +1.18% | +1.06% | +0.78% |
| Export-Import Bank Of India | Financial | 1.39% | ₹24.64 Cr | +2.36% | +3.15% | +1.51% |
| Bajaj Finance Ltd. | Financial | 1.39% | ₹24.55 Cr | +2.34% | +2.10% | +2.36% |
| Uttar Pradesh State | Others | 1.38% | ₹24.46 Cr | +1.18% | +1.05% | — |
| Maharashtra State | Others | 1.38% | ₹24.42 Cr | +1.18% | +1.04% | — |
| Karnataka State | Others | 0.62% | ₹11.00 Cr | +0.53% | +0.47% | — |
Sectors
Instruments
Recent changes
| Holding | From | To | Weight |
|---|---|---|---|
| company:6233 | 2.78% | 0.00% | -2.78% |
| Mankind Pharma Ltd. | 0.00% | 1.41% | +1.41% |
| company:896 | 1.40% | 0.00% | -1.40% |
| Export-Import Bank Of India | 2.75% | 1.39% | -1.36% |
| Piramal Finance Pvt. Ltd. | 3.34% | 1.98% | -1.36% |
| Vedanta Ltd. | 5.48% | 5.56% | +0.08% |
| Poonawalla Fincorp Ltd. | 4.16% | 4.23% | +0.07% |
| 360 ONE Wealth Ltd. | 4.15% | 4.22% | +0.07% |
| Axis Bank Ltd. | 2.73% | 2.79% | +0.06% |
| Indusind Bank Ltd. | 2.73% | 2.79% | +0.06% |
| LIC Housing Finance Ltd. | 4.17% | 4.23% | +0.06% |
| Small Industries Devp. Bank of India Ltd. | 4.15% | 4.20% | +0.05% |
| Bajaj Housing Finance Ltd. | 2.78% | 2.82% | +0.05% |
| REC Ltd. | 2.82% | 2.86% | +0.04% |
| Indian Railway Finance Corporation Ltd. | 2.79% | 2.82% | +0.03% |
| Summit Digitel Infrastructure Pvt. Ltd. | 1.38% | 1.40% | +0.02% |
| Bajaj Finance Ltd. | 1.37% | 1.39% | +0.02% |
| Power Finance Corporation Ltd. | 2.77% | 2.79% | +0.02% |
| Siddhivinayak Securitisation Trust | 2.72% | 2.70% | -0.02% |
| Others | 0.52% | 0.53% | +0.01% |
| GOI | 2.84% | 2.83% | -0.01% |
| Uttar Pradesh State | 1.38% | 1.38% | 0.00% |
| Karnataka State | 0.62% | 0.62% | 0.00% |
| Maharashtra State | 1.38% | 1.38% | 0.00% |
| India Universal Trust AL1 | 1.42% | 1.42% | 0.00% |
Compare
Similar funds
The rest of the category, so this fund’s numbers have something to sit against.
| Fund | AUM | Expense | 1Y | 3Y | 5Y |
|---|---|---|---|---|---|
| Category average | ₹7,266 Cr | 0.78% | 5.1% | 6.3% | 6.6% |
 ICICI Prudential Short Term Fund | ₹18,468 Cr | 1.03% | 4.7% | 6.3% | 6.7% |
 Bandhan Short Term Fund | ₹8,628 Cr | 0.86% | 5.3% | 6.4% | 6.6% |
 Axis Short Term Fund | ₹7,395 Cr | 0.95% | 5.0% | 6.5% | 6.7% |
 Kotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index Fund | ₹1,651 Cr | 0.33% | 6.0% | — | — |
 Sundaram Short Term Fund | ₹190 Cr | 0.73% | 4.7% | 6.0% | 6.3% |
About
About this fund
The scheme’s own words, its benchmark and the people running it.
Investment objective
The scheme seeks to generate reasonable income, with low risk and high level of liquidity from a portfolio of debt & money market instruments.
Fund managers
- Anurag MittalMr. Mittal is B.Com. (Hons), CA and M.Sc. in Accounting and Finance (specialization in Finance) from London School of Economics & Political Science.Prior to joining UTI Mutual Fund, he worked with IDFC AMC, HDFC AMC ( Sept. 2012 - Oct. 2015), Axis AMC (July 2009 - Sept. 2012), ICICI Prudential Life Insurance Company Ltd. as Credit Research Analyst (2008-2009) and with Bank of America in Corporate Banking (2006-2008).
Tools
Return calculator
What ₹10,000 a month in this fund would have grown to over each period, based on its past returns.
| Over the past | Total investment | Would’ve become | Growth | Returns |
|---|---|---|---|---|
| 6 months2.68% absolute | ₹60,000 | ₹61,608 | 2.68% | |
| 1 year4.33% annualised | ₹1,20,000 | ₹1,22,852 | 2.38% | |
| 3 years6.74% annualised | ₹3,60,000 | ₹3,99,980 | 11.11% | |
| 5 years6.01% annualised | ₹6,00,000 | ₹7,01,375 | 16.90% |
Returns for 1 year and longer are annualised (CAGR); 6-month figures are absolute. Past returns are not a forecast.
How this is calculated
Each monthly instalment grows at the fund’s annualised return ÷ 12 per month until the end of the period, the same formula as our SIP calculator.
The amount compounds once a year at the fund’s CAGR for that period, the same formula as our lumpsum calculator.
Questions
Frequently asked questions
The things people ask about this scheme.