Download App
HomeOur StoryMethodologyLearnFAQs

UTI Short Term Fund

Short DurationModerateOPEN-ENDED
Invest Now
NAV as on 25 Sep 2026
₹33.69-0.07%1 day
Return since launch
6.6%
52-week range
₹32.18 — ₹33.78
AUM
₹1,798 Cr

UTI Short Term Fund is a Short Duration debt fund from UTI Mutual Fund with ₹1,798 Cr under management, launched in 2007. Over three years it has returned 6.1% a year, against 6.7% for its category. The expense ratio is 0.84% 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 +4.7% against +4.8% for its category.

Performance

Returns

How the fund has done against its category and its benchmark.

Trailing returns
PeriodFundvs categoryCategoryBenchmark
1Y4.6%0.0 pts4.7%4.8%
2Y5.4%0.0 pts5.4%5.5%
3Y6.1%−0.6 pts6.7%6.2%
5Y6.4%+0.4 pts6.0%6.3%
7Y6.6%+0.4 pts6.2%6.0%
10Y6.2%−0.2 pts6.3%6.3%

Fund against category

1Y
Fund4.6%
Category4.7%
3Y
Fund6.1%
Category6.7%
5Y
Fund6.4%
Category6.0%

Since launch (28 Aug 2007): 6.6%

Calendar-year returns

Category average
Show as a table
Calendar-year returns
PeriodFundvs categoryCategory
20257.3%−0.7 pts8.1%
20247.8%−0.5 pts8.3%
20236.9%−0.4 pts7.3%
20223.8%−1.2 pts5.0%
20218.4%+3.8 pts4.5%
202010.5%+0.7 pts9.8%

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 25 Sep 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.

Moderate

Your principal is treated as being at moderate risk — typically medium duration debt and conservative hybrid schemes.

Risk ratios
RatioFundCategory avgRead 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.
Sharpe0.780.94Return earned for each unit of total risk taken. Higher is better.
Sortino1.221.59Return earned for each unit of downside risk. Higher is better.
Std. deviation1.291.35How 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 31 Aug 2026

Asset allocation

  • Debt92.0%
  • Other8.0%

Top holdings

HoldingSectorWeightValue3M chg6M chg1Y chg
OthersOthers8.51%₹153 Cr+1.14%+0.88%+0.80%
REC Ltd.Financial8.37%₹151 Cr+6.33%+5.02%+4.62%
LIC Housing Finance Ltd.Financial7.01%₹126 Cr+4.23%+3.36%+3.18%
Small Industries Devp. Bank of India Ltd.Financial6.90%₹124 Cr+4.15%+3.26%+10.80%
Poonawalla Fincorp Ltd.Financial5.54%₹99.65 Cr+6.19%+4.85%+4.57%
Vedanta Ltd.Metals & Mining5.48%₹98.51 Cr+4.03%——
Indian Railway Finance Corporation Ltd.Financial4.16%₹74.73 Cr+4.14%+3.29%+1.51%
360 ONE Wealth Ltd.Financial4.15%₹74.66 Cr+3.09%+2.43%—
Piramal Finance Pvt. Ltd.Financial3.34%₹60.06 Cr+4.13%+3.24%—
GOISovereign2.84%₹51.08 Cr+2.03%+1.67%+0.78%

Sectors

  • Financial69.2%
  • Others16.4%
  • Sovereign7.5%
  • Metals & Mining5.5%
  • Communication1.4%

Instruments

  • Debenture22.2%
  • Non Convertible Debenture20.3%
  • Bonds16.5%
  • Net Current Assets8.0%
  • Bonds/NCDs7.5%
  • GOI Securities7.5%
  • Certificate of Deposit5.5%
  • Securitised Debt4.5%

Recent changes

HoldingFromToWeight
Others5.37%0.52%-4.85%
National Housing Bank2.46%0.00%-2.46%
Bharti Telecom Ltd.1.22%0.00%-1.22%
Vedanta Ltd.4.85%5.48%+0.63%
Bihar State0.49%0.00%-0.49%
Poonawalla Fincorp Ltd.3.67%4.16%+0.49%
LIC Housing Finance Ltd.3.69%4.17%+0.48%
360 ONE Wealth Ltd.3.67%4.15%+0.48%
Small Industries Devp. Bank of India Ltd.3.68%4.15%+0.47%
Axis Bank Ltd.2.39%2.73%+0.34%
Indusind Bank Ltd.2.39%2.73%+0.34%
Bajaj Housing Finance Ltd.2.45%2.78%+0.33%
National Bank For Agriculture & Rural Development2.46%2.78%+0.33%
GOI2.52%2.84%+0.32%
Indian Railway Finance Corporation Ltd.2.48%2.79%+0.31%
REC Ltd.2.51%2.82%+0.31%
Siddhivinayak Securitisation Trust2.41%2.72%+0.31%
Export-Import Bank Of India2.45%2.75%+0.30%
Power Finance Corporation Ltd.2.48%2.77%+0.29%
Piramal Finance Ltd.1.23%1.40%+0.16%
Summit Digitel Infrastructure Pvt. Ltd.1.23%1.38%+0.16%
Bajaj Finance Ltd.1.21%1.37%+0.16%
Uttar Pradesh State1.23%1.38%+0.15%
India Universal Trust AL11.27%1.42%+0.15%
Maharashtra State1.23%1.38%+0.15%
Piramal Finance Pvt. Ltd.3.44%3.34%-0.10%
Karnataka State0.55%0.62%+0.07%

Compare

Similar funds

The rest of the category, so this fund’s numbers have something to sit against.

FundAUMExpense1Y3Y5Y
Category average₹11,181 Cr0.91%5.1%6.5%6.7%
ICICI Prudential Short Term Fund₹19,403 Cr1.05%5.1%6.6%6.8%
HDFC Short Term Fund₹14,486 Cr0.72%4.8%6.4%6.7%
Bandhan Short Term Fund₹8,731 Cr0.87%5.8%6.7%6.7%
Axis Short Term Fund₹7,501 Cr0.93%5.0%6.6%6.7%
Aditya Birla Sun Life Short Term Fund₹5,782 Cr0.96%4.7%6.3%6.5%

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).
Scheme information document

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 pastTotal investmentWould’ve becomeGrowthReturns
6 months2.95% absolute₹60,000₹61,7702.95%
1 year4.68% annualised₹1,20,000₹1,23,0862.57%
3 years6.76% annualised₹3,60,000₹4,00,10611.14%
5 years6.44% annualised₹6,00,000₹7,09,43418.24%

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.

What is the NAV of UTI Short Term Fund?
The NAV of UTI Short Term Fund is ₹33.69 as on 25 Sep 2026.
What is the expense ratio of UTI Short Term Fund?
The expense ratio of UTI Short Term Fund is 0.84% per year.
What is the minimum SIP amount for UTI Short Term Fund?
You can start a SIP in UTI Short Term Fund with ₹3,000 a month.
What returns has UTI Short Term Fund given?
UTI Short Term Fund has returned 4.6% over 1 year, 6.1% over 3 years and 6.4% over 5 years (annualised).
Is there a lock-in or exit load on UTI Short Term Fund?
Lock-in: None. Exit load: Exit load of 1% if redeemed within 12 months..
How risky is UTI Short Term Fund?
UTI Short Term Fund is rated Moderate on the SEBI riskometer and belongs to the Short Duration category.
Which fund house manages UTI Short Term Fund?
UTI Short Term Fund is managed by UTI Mutual Fund, which runs 66 schemes with ₹3,94,848 Cr under management.