UTI Floating Interest Rates Fund

FloaterDirect and Regular plans, Growth and IDCW options

Data as on 30-10-2026

UTI Floating Interest Rates Fund is a Floater fund run by UTI Mutual Fund. On 30-09-2026, it managed ₹1,506 Cr of investors' money. In the 3 years to 30-10-2026, its Direct plan returned 7.0% a year and its Regular plan returned 6.5% a year.

NAV (Direct plan): ₹1,689.29; ▲ 0.02%30-10-2026
NAV (Regular plan): ₹1,605.26; ▲ 0.02%30-10-2026
Expense ratio: 0.44%Direct0.86%Regular; 0.44%; A year
Riskometer: Low to Moderate; Set by the fund house
3 year return: 7.0%Direct6.5%Regular; 7.0%; A year

UTI Floating Interest Rates Fund NAV Today

NAV on 30-10-2026: Direct Plan Growth ₹1,689.29 (up 0.02% that day); Regular Plan Growth ₹1,605.26 (up 0.02% that day).

This fund (Direct plan)

₹1,689.2856

UTI Floating Interest Rates Fund Returns vs Floater Funds

Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.

Trailing returns
Period	1M	3M	6M	1Y	3Y	5Y	10Y
This fund (Direct)	+0.15%	+0.94%	+2.71%	+5.58%	+6.95%	+6.31%	--
This fund (Regular)	+0.11%	+0.84%	+2.49%	+5.12%	+6.48%	+5.81%	--
Floater average	−0.01%	+0.56%	+2.76%	+5.43%	+7.47%	+6.73%	--
Best in Floater	+0.19%	+0.99%	+3.44%	+6.14%	+8.24%	+7.15%	--
Worst in Floater	−0.41%	−0.05%	+2.46%	+4.41%	+6.95%	+6.31%	--
Rank in Floater	2/12	2/12	5/12	6/12	12/12	12/12	--

Category rows compare the Direct plans of 12 Floater funds. Rank 1 is the highest return. This fund's benchmark is CRISIL Short Duration Debt A-II Index. Returns of that index are not available to us, so the category average is the comparison.

UTI Floating Interest Rates Fund Year-wise Returns

Return of each calendar year
Year	Direct	Regular
2026to date	+4.61%	+4.24%
2025	+7.49%	+7.04%
2024	+7.54%	+7.04%
2023	+7.32%	+6.78%
2022	+4.29%	+3.77%
2021	+3.93%	+3.16%

UTI Floating Interest Rates Fund Rolling Returns

The return of every holding period in the fund's history, not only the one that ends today

Rolling returns

Each point is the yearly return of one 3-year holding period, plotted on the day it ended. There are 1,210 periods, one for each trading day from 01-11-2021 to 30-10-2026.

0%2%4%6%8%10%

Mar 2019
to
Mar 2022Jan 2020
to
Jan 2023Dec 2020
to
Dec 2023Oct 2021
to
Oct 2024Aug 2022
to
Aug 2025Jun 2023
to
Jun 2026

UTI Floating Interest Rates Fund (Direct)Category average, 12 Floater funds

Every holding period at a glance

Period	Periods	Median	Lowest	Highest	With a loss	Category median	Beat category
1 year	1,696	7.3%	3.1%	10.3%	0%	7.8%	15%
2 years	1,450	7.0%	3.9%	9.1%	0%	7.6%	0%
3 years	1,210	6.2%	4.9%	7.6%	0%	6.7%	0%
5 years	725	6.3%	6.0%	6.7%	0%	6.8%	0%
7 years	241	6.7%	6.4%	7.0%	0%	7.1%	0%

Every SIP holding period at a glance

Period	Periods	Median	Lowest	Highest	With a loss	Category median	Beat category
1 year	85	7.2%	2.8%	10.6%	0%	7.7%	15%
2 years	73	6.8%	3.5%	9.0%	0%	7.2%	0%
3 years	61	6.5%	4.5%	8.0%	0%	7.0%	0%
5 years	37	6.7%	6.0%	7.0%	0%	7.2%	0%

Lumpsum: the yearly rate (CAGR) from the NAV on a period's first day to the NAV on its last. SIP: the XIRR of the monthly instalments and their value on the last day. "With a loss" counts the periods that ended below the money put in. "Beat category" counts the periods in which the fund did better than the average of the 12 Floater funds (Direct plans, each weighted the same) over the same days. Past returns do not promise future returns.

UTI Floating Interest Rates Fund Risk

How much it swings, and the falls an investor had to sit through

Risk and return

Measure	UTI Floating Interest Rates Fund (Direct)This fund	Category average
Return (CAGR)	+5.58%	+5.43%
Standard deviation	0.62%	0.90%
Sharpe ratio	0.53	0.20
Sortino ratio	0.77	0.29
Maximum drawdown	−0.23% (21-05-2026)	−0.32% (21-05-2026)

From daily NAVs, 30-10-2025 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls.

Measure	UTI Floating Interest Rates Fund (Direct)This fund	Category average
Return (CAGR)	+6.95%	+7.47%
Standard deviation	0.58%	0.76%
Sharpe ratio	1.60	1.92
Sortino ratio	2.55	3.05
Maximum drawdown	−0.34% (13-06-2025)	−0.32% (21-05-2026)

From daily NAVs, 30-10-2023 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls.

Measure	UTI Floating Interest Rates Fund (Direct)This fund	Category average
Return (CAGR)	+6.31%	+6.73%
Standard deviation	0.54%	0.71%
Sharpe ratio	0.94	1.32
Sortino ratio	1.40	1.99
Maximum drawdown	−0.34% (13-06-2025)	−0.51% (06-05-2022)

From daily NAVs, 29-10-2021 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls.

Measure	UTI Floating Interest Rates Fund (Direct)This fund	Category average
Return (CAGR)	+6.76%	+7.15%
Standard deviation	0.86%	0.98%
Sharpe ratio	1.77	1.94
Sortino ratio	3.50	3.54
Maximum drawdown	−1.5% (24-03-2020)	−1.8% (24-03-2020)

From daily NAVs, 31-10-2018 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls.

Drawdowns

How far below its previous high each one was on every day: the falls an investor had to sit through. 0% means it was at a new high.

−2%−1.5%−1%−0.5%0%

20192020202120222023202420252026

UTI Floating Interest Rates Fund (Direct)Category average, 12 Floater funds

	Worst fall	High before it	Bottom	Back at the high	Time to climb back	Below its high today
UTI Floating Interest Rates Fund (Direct)	−1.5%	06-03-2020	24-03-2020	27-03-2020	3 days	−0.04%
Category average	−1.8%	06-03-2020	24-03-2020	31-03-2020	7 days	−0.09%

From the Direct plan's daily NAV since 31-10-2018, adjusted for unit splits, and the average of the 12 Floater funds (Direct plans, each weighted the same) over the same days. "Time to climb back" runs from the bottom to the first day back at the old high.

UTI Floating Interest Rates Fund vs Other Floater Funds

The five Floater funds with the best three year return, and this fund. Direct plans.

Fund name	Rank	AUM (Cr)	Exp. ratio	1Y return	3Y return	3Y alpha	3Y beta	3Y Sharpe	3Y Sortino
Axis Floating Interest Rates Fund	1/12	149	0.22%	+6.06%	+8.24%	--	--	1.07	1.58	Compare
Franklin India Floating Interest Rates Fund	2/12	256	0.38%	+5.89%	+7.92%	--	--	2.37	4.00	Compare
Bandhan Floating Interest Rates Fund	3/12	224	0.14%	+5.91%	+7.65%	--	--	1.66	2.57	Compare
ICICI Prudential Floating Interest Rates Fund	4/12	8,658	0.29%	+5.56%	+7.53%	--	--	1.95	3.11	Compare
Kotak Floating Interest Rates Fund	5/12	3,240	0.24%	+5.05%	+7.49%	--	--	1.91	2.98	Compare
UTI Floating Interest Rates Fund	12/12	1,506	0.44%	+5.58%	+6.95%	--	--	1.60	2.55

AUM is each fund's size at the end of its last reported month, from its own portfolio file. We calculate the risk ratios from daily NAVs over the last three years. The risk-free return is what NSE's overnight rate index earned over the same years. Alpha and beta compare each fund with its own benchmark's TRI. "--" means we have no figure: for alpha and beta, no daily series for that benchmark.

UTI Floating Interest Rates Fund Expense Ratio and Costs

What each plan charges a year, in force from 03-09-2026

Plan	Base expense ratio	Brokerage	Transaction costs	Levies and GST	Total expense ratio	Floater median	Cost rank (1 = cheapest)
Direct	0.37%	0.01%	0.00%	0.06%	0.44%	0.28%	12/12
Regular	0.75%	0.01%	0.00%	0.10%	0.86%	0.64%	11/12

The expense ratio comes out of the fund's assets every day, so every return on this page is already after it. Base expense ratio: the fund house's own fee. The total adds brokerage, the cost of executing trades, and statutory levies with GST. From AMFI's expense ratio file. Cost rank: where this plan comes when the Floater funds' plans of the same type are sorted from the lowest total expense ratio to the highest.

Direct vs Regular: what the gap cost

Both plans own the same portfolio, so the difference in what they earned is the Regular plan's extra cost, taken out of its NAV.

Over the last	Regular	Direct	Direct earned more by	₹1 lakh became (Regular)	₹1 lakh became (Direct)
1 year	5.12%	5.58%	0.46%	₹1,05,120	₹1,05,580
3 years	6.48%	6.95%	0.47% a year	₹1,20,727	₹1,22,333
5 years	5.81%	6.31%	0.50% a year	₹1,32,627	₹1,35,791

Returns over more than 1 year are a rate a year (CAGR). ₹1 lakh invested once at the start of each period, valued on the last NAV.

UTI Floating Interest Rates Fund SIP Calculator

What a one-time or monthly investment in this fund would be worth today, from its own NAV history

Growth of an investment

Every month₹

Step up each year

PeriodFor

₹10,000 on the first trading day of every month, from 31-10-2018 to 30-10-2026: 97 instalments, ₹9,70,000 in all.

Investment	Invested	Value now	Gain	Return a year
Direct planUTI Floating Interest Rates Fund (Direct)	₹9,70,000	₹12,66,727	₹2,96,727	6.5%
Regular planUTI Floating Interest Rates Fund (Regular)	₹9,70,000	₹12,37,830	₹2,67,830	5.9%
Category averageCategory average, 12 Floater funds	₹9,70,000	₹12,88,979	₹3,18,979	6.9%

₹0₹5.0 L₹10.0 L₹15.0 L

20192020202120222023202420252026

Direct planUTI Floating Interest Rates Fund (Direct)Regular planUTI Floating Interest Rates Fund (Regular)Category averageCategory average, 12 Floater fundsAmount invested

From each plan's published NAV (Growth option) and the category average, over the same days. Return a year: XIRR for a SIP, CAGR for a lumpsum, shown for a year or more. It does not include exit load, stamp duty or tax. Past returns do not promise future returns.

UTI Floating Interest Rates Fund Asset Allocation

Asset allocation as on 30-09-2026

What the fund holds

92.5%Debt

Asset	Fund	Category
Debt	92.5%	93.1%
Cash and others	7.5%	6.9%

Credit rating

Bonds and money market papers by credit rating, % of the fund. Category: the average of 12 Floater funds.

Rating	Fund	Category
Sovereign	6.7%	20.1%
AAA and A1+	85.8%	63.2%

UTI Floating Interest Rates Fund Portfolio Holdings

As on 30-09-2026 · 40 holdings · from the fund house's monthly portfolio

Holdings	Rating	Weight%
NCD SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA · Bond	CRISIL-AAA	6.57%
GOI FRB - MAT 04/10/2028 · Government security	SOV	5.01%
NCD NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT · Bond	ICRA-AAA	4.99%
CD - CANARA BANK - 22/01/2027 · Certificate of deposit	CRISIL-A1+	4.88%
NCD INDIAN RAILWAY FINANCE CORPORATION LIMITED · Bond	CRISIL-AAA	3.33%
NCD SUMMIT DIGITEL INFRASTRUCTURE LTD · Bond	CRISIL-AAA	3.33%
NCD REC LTD · Bond	ICRA-AAA	3.31%
NCD MAHINDRA AND MAHINDRA FINANCIAL SERVICES LTD · Bond	CRISIL-AAA	3.31%
NCD TATA CAPITAL HOUSING FINANCE LTD · Bond	CRISIL-AAA	3.30%
NCD BHARTI TELECOM LTD. · Bond	CRISIL-AAA	3.29%
NCD REC LTD · Bond	CRISIL-AAA	3.23%
07.80% XIRR PTC- SIDDHIVINAYAK SECURITISATION TRUST-28/09/2030	CRISIL-AAA(SO)	3.17%
NCD MINDSPACE BUSINESS PARKS REIT · Bond	CRISIL-AAA	2.33%
NCD POWER FINANCE CORPORATION LTD. · Bond	CRISIL-AAA	2.31%
NCD POONAWALLA FINCORP LTD. · Bond	CRISIL-AAA	2.15%
NCD CANFIN HOMES LTD. · Bond	ICRA-AAA	2.00%
07.72% MAHARASTRA GOVT. 01/03/2031 · State government security	SOV	1.68%
NCD POWER FINANCE CORPORATION LTD. · Bond	CRISIL-AAA	1.67%
NCD POONAWALLA FINCORP LTD. · Bond	CRISIL-AAA	1.66%
NCD MAHINDRA AND MAHINDRA FINANCIAL SERVICES LTD · Bond	CRISIL-AAA	1.66%
NCD JAMNAGAR UTILITIES AND POWER PRIVATE LIMITED · Bond	CRISIL-AAA	1.66%
NCD SIKKA PORTS AND TERMINALS LIMITED · Bond	CRISIL-AAA	1.66%
NCD NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT · Bond	ICRA-AAA	1.66%
NCD REC LTD · Bond	CRISIL-AAA	1.66%
NCD TATA CAPITAL HOUSING FINANCE LTD · Bond	CRISIL-AAA	1.66%
NCD EMBASSY OFFICE PARKS REIT · Bond	CRISIL-AAA	1.66%
NCD LIC HOUSING FINANCE LTD. · Bond	CRISIL-AAA	1.66%
NCD LIC HOUSING FINANCE LTD. · Bond	CRISIL-AAA	1.66%
NCD POWER FINANCE CORPORATION LTD. · Bond	CRISIL-AAA	1.66%
NCD BAJAJ FINANCE LTD. · Bond	CRISIL-AAA	1.65%
NCD SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA · Bond	CRISIL-AAA	1.65%
NCD BHARTI TELECOM LTD. · Bond	CRISIL-AAA	1.65%
NCD POWER FINANCE CORPORATION LTD. · Bond	CRISIL-AAA	1.64%
NCD BAJAJ FINANCE LTD. · Bond	CRISIL-AAA	1.64%
NCD NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT · Bond	ICRA-AAA	1.63%
CD - HDFC Bank Ltd - 12/03/2027 · Certificate of deposit	CRISIL-A1+	1.61%
07.66% XIRR PTC- RADHAKRISHNA SECURITISATION TRUST-28/09/2028	CRISIL-AAA(SO)	1.58%
08.20% PTC- INDIA UNIVERSAL TRUST AL1-SERIES A3	IND-AAA(SO)	1.11%
CORPORATE DEBT MARKET DEVT FUND - A2 UNITS	-	0.34%
08.12% PTC - INDIA UNIVERSAL TRUST AL1 - SERIES-A2	IND-AAA(SO)	0.26%

UTI Floating Interest Rates Fund Portfolio Overlap

Funds with the most similar portfolios, across every fund house and category

Fund	Overlap	Holdings in common
HDFC Ultra Short to Short Term FundLow Duration · HDFC	16.9%	13	Compare
UTI Ultra Short to Short Term FundLow Duration · UTI	15.5%	9	Compare
DSP Corporate Bond FundCorporate Bond · DSP	14.8%	7	Compare
Mahindra Manulife Ultra Short Term FundUltra Short · Mahindra Manulife	13.9%	6	Compare
Nippon India Ultra Short to Short Term FundLow Duration · Nippon India	13.1%	10	Compare
ICICI Prudential Ultra Short to Short Term FundLow Duration · ICICI Prudential	12.2%	13	Compare
ICICI Prudential Banking and PSU Debt FundBanking & PSU · ICICI Prudential	12.2%	11	Compare
DSP Ultra Short to Short Term FundLow Duration · DSP	11.7%	10	Compare

Overlap: for each holding both funds own, the smaller of its two weights, added up. 40% means 40% of each fund's money sits in positions the other also holds. From each fund's latest monthly portfolio, matched by ISIN. Cash and hedged positions are left out. Funds that overlap under 10% are not listed. A high overlap does not make two funds the same: their costs, lock-in and category can differ.

UTI Floating Interest Rates Fund Overview

Fund facts from the scheme summary document, as on 16-10-2026

Expense ratio (Direct): 0.44%
Expense ratio (Regular): 0.86%
Category: Floater
Risk: Low to Moderate
Benchmark: CRISIL Short Duration Debt A-II Index
Launch date: 30-10-2018
AUM: ₹1,506.08 Cr (30-09-2026)
Lock in: None
Scheme code (Direct): 145295
ISIN (Direct): INF789F1ACX5
Scheme code (Regular): 145287
ISIN (Regular): INF789F1ACO4
NAV history: From 31-10-2018, 8.0 years

Minimum investment: Regular Plan-Quarterly Reinvestment of IDCW- Rs.20000, Regular Plan-Quarterly Payout of IDCW- Rs.20000, Direct Plan-Quarterly Reinvestment of IDCW- Rs.20000, Direct Plan-Quarterly Payout of IDCW- Rs.20000, Regular Plan-Half-yearly Reinvestment of IDCW- Rs
Minimum additional investment: Regular Plan-Quarterly Reinvestment of IDCW-Rs.500, Regular Plan-Quarterly Payout of IDCW-Rs.500, Direct Plan-Quarterly Reinvestment of IDCW-Rs.500, Direct Plan-Quarterly Payout of IDCW-Rs.500, Regular Plan-Half-yearly Reinvestment of IDCW-Rs.500, Regular
Exit load: Nil

Tax on UTI Floating Interest Rates Fund returns

UTI Floating Interest Rates Fund is taxed as a debt fund: 65% or more of it is in bonds and money market papers.
For units bought on or after 01-04-2023, the gain is added to your income and taxed at your slab rate, however long you hold the units.
IDCW (dividend) payouts are added to your income and taxed at your slab rate.
A stamp duty of 0.005% is deducted when you invest.

Rules in force from 23-07-2024 (Finance Act 2024). Tax depends on your own income; this is general information, not tax advice.

All plans and options

Plan	Option	NAV	As on
direct	Growth	₹1,689.2856	30-10-2026
direct	Annual IDCW	₹1,546.4073	30-10-2026
direct	Flexi IDCW	₹1,591.4334	30-10-2026
direct	Half Yearly IDCW	₹1,539.7823	30-10-2026
direct	Quarterly IDCW	₹1,438.6076	30-10-2026
regular	Growth	₹1,605.255	30-10-2026
regular	Annual IDCW	₹1,524.4963	30-10-2026
regular	Flexi IDCW	₹1,467.4865	30-10-2026
regular	Half Yearly IDCW	₹1,417.6853	30-10-2026
regular	Quarterly IDCW	₹1,300.3457	30-10-2026

About UTI Floating Interest Rates Fund

UTI Floating Interest Rates Fund is a mutual fund from UTI Mutual Fund. Its category is Floater. It was launched on 30-10-2018. Its benchmark is CRISIL Short Duration Debt A-II Index. At the end of September 2026 it held 40 securities.

Fund Manager

Pankaj Pathak FM 1
Fund manager of UTI Floating Interest Rates Fund
Not Applicable FM 2
Fund manager of UTI Floating Interest Rates Fund
Not Applicable FM 3
Fund manager of UTI Floating Interest Rates Fund
Not Applicable FM 4
Fund manager of UTI Floating Interest Rates Fund

See all funds of UTI Mutual Fund

AUM change

September 2026: ₹1,506.08 Cr; −4.35% from August 2026
August 2026: ₹1,574.57 Cr; +3.63% from July 2026
July 2026: ₹1,519.48 Cr; −2.43% from June 2026

AUM moves with money invested or taken out, and with the value of what the fund holds.

Compare UTI Floating Interest Rates Fund with Other Funds

Returns, risk, costs and the stocks they share, side by side

Compare with any other fund

Frequently Asked Questions for UTI Floating Interest Rates Fund

What is the current NAV of UTI Floating Interest Rates Fund?

The Direct plan NAV is ₹1,689.2856. The Regular plan NAV is ₹1,605.255, as on 30-10-2026.

What are the returns of UTI Floating Interest Rates Fund?

The Direct plan returned +5.58% in 1 year, +6.95% a year over 3 years, +6.31% a year over 5 years. The Regular plan returned +5.12% in 1 year, +6.48% a year over 3 years, +5.81% a year over 5 years. These figures are as on 30-10-2026.

What is the expense ratio of UTI Floating Interest Rates Fund?

The Direct plan charges 0.44% a year. The Regular plan charges 0.86% a year. This is the figure the fund house reported to AMFI, in force from 03-09-2026.

What is the AUM of UTI Floating Interest Rates Fund?

UTI Floating Interest Rates Fund managed ₹1,506.08 Cr on 30-09-2026, as its fund house reported in its monthly portfolio.

What are the top holdings of UTI Floating Interest Rates Fund?

At the end of September 2026 the largest holdings were NCD SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA (6.57%), GOI FRB - MAT 04/10/2028 (5.01%), NCD NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT (4.99%), CD - CANARA BANK - 22/01/2027 (4.88%), NCD INDIAN RAILWAY FINANCE CORPORATION LIMITED (3.33%). The fund held 40 securities in all.

How do I invest in UTI Floating Interest Rates Fund?

Through UTI Mutual Fund's website or app, a mutual fund distributor, or an investment platform. Choose the Direct plan to pay no distributor commission, or the Regular plan to invest through a distributor. The first investment is at least Regular Plan-Quarterly Reinvestment of IDCW- Rs.20000, Regular Plan-Quarterly Payout of IDCW- Rs.20000, Direct Plan-Quarterly Reinvestment of IDCW- Rs.20000, Direct Plan-Quarterly Payout of IDCW- Rs.20000, Regular Plan-Half-yearly Reinvestment of IDCW- Rs. You can invest once or through a monthly SIP.

Who is the fund manager of UTI Floating Interest Rates Fund?

Pankaj Pathak FM 1, Not Applicable FM 2, Not Applicable FM 3, Not Applicable FM 4.

What is the exit load of UTI Floating Interest Rates Fund?

Nil

Sources: NAV and expense ratio from AMFI. Holdings from the fund house's monthly portfolio statement. Fund facts from its scheme summary document, as on 16-10-2026.

This page is information, not investment advice. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Past returns do not promise future returns. Figures come from AMFI, NSE, BSE and each fund house's own documents.