UTI Medium Term Fund is a Medium Duration fund run by UTI Mutual Fund. On 30-09-2026, it managed ₹34 Cr of investors' money. In the 3 years to 30-10-2026, its Direct plan returned 6.6% a year and its Regular plan returned 5.9% a year. Its benchmark, NIFTY Medium Duration Debt Index A-III, returned 6.4% a year over the same 3 years.
NAV (Direct plan)
₹20.60
▼ 0.02% · 30-10-2026
NAV (Regular plan)
₹19.05
▼ 0.02% · 30-10-2026
Expense ratio
0.94%Direct1.54%Regular
0.94%
A year
Riskometer
Moderate
Set by the fund house
3 year return
6.6%Direct5.9%Regular
6.6%
A year
UTI Medium Term Fund NAV Today
NAV on 30-10-2026: Direct Plan Growth ₹20.60 (down 0.02% that day); Regular Plan Growth ₹19.05 (down 0.02% that day).
This fund (Direct plan)
₹20.6018
UTI Medium Term Fund Returns vs NIFTY Medium Duration Debt Index A-III
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)
−0.46%
−0.62%
+1.75%
+3.39%
+6.58%
+5.75%
+5.79%
This fund (Regular)
−0.51%
−0.77%
+1.43%
+2.72%
+5.88%
+5.08%
+5.10%
NIFTY Medium Duration Debt Index A-III
−0.45%
−0.64%
+1.96%
+2.80%
+6.40%
+5.32%
--
Medium Duration average
−0.34%
−0.09%
+2.51%
+4.72%
+7.66%
+6.88%
+6.78%
Best in Medium Duration
+0.04%
+0.68%
+3.33%
+7.48%
+10.39%
+12.54%
+8.95%
Worst in Medium Duration
−0.61%
−1.06%
+1.34%
+2.45%
+5.74%
+4.74%
+3.51%
Rank in Medium Duration
9/13
11/13
11/13
11/13
12/13
11/12
9/11
Category rows compare the Direct plans of 13 Medium Duration funds. Rank 1 is the highest return. The benchmark row is as on 30-09-2026, as NSE published it.
UTI Medium Term Fund Year-wise Returns
Return of each calendar year
Year
Direct
Regular
2026to date
+2.60%
+2.05%
2025
+7.21%
+6.49%
2024
+8.33%
+7.61%
2023
+7.14%
+6.45%
2022
+3.00%
+2.42%
2021
+6.94%
+6.19%
UTI Medium Term 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 2,073 periods, one for each trading day from 09-04-2018 to 30-10-2026.
0%2%4%6%8%10%
UTI Medium Term Fund (Direct)
Category average, 13 Medium Duration funds
Dec 2015 to Dec 2018May 2017 to May 2020Nov 2018 to Nov 2021Apr 2020 to Apr 2023Oct 2021 to Oct 2024Feb 2023 to Feb 2026
UTI Medium Term Fund (Direct)Category average, 13 Medium Duration funds
0%
0%
Below 0%
31%
0%
0-5%
69%
100%
5-10%
0%
0%
10-15%
0%
0%
15-20%
0%
0%
20-25%
0%
0%
Above 25%
Every holding period at a glance
Period
Periods
Median
Lowest
Highest
With a loss
Category median
Beat category
1 year
2,555
7.0%
−1.0%
12.8%
3%
7.4%
30%
2 years
2,314
6.4%
2.1%
10.8%
0%
7.4%
26%
3 years
2,073
6.3%
3.2%
9.5%
0%
7.1%
16%
5 years
1,590
5.5%
4.4%
7.5%
0%
7.2%
0%
7 years
1,103
5.7%
5.2%
6.6%
0%
7.3%
0%
10 years
377
6.5%
5.8%
6.9%
0%
7.7%
0%
Every SIP holding period at a glance
Period
Periods
Median
Lowest
Highest
With a loss
Category median
Beat category
1 year
127
6.8%
−2.5%
14.4%
4%
7.5%
28%
2 years
115
6.4%
1.3%
10.5%
0%
7.2%
22%
3 years
103
6.3%
2.6%
9.1%
0%
7.1%
18%
5 years
79
5.4%
4.1%
7.6%
0%
7.1%
0%
7 years
55
5.6%
4.8%
6.7%
0%
7.1%
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 13 Medium Duration funds (Direct plans, each weighted the same) over the same days. Past returns do not promise future returns.
UTI Medium Term Fund Risk
How much it swings, and the falls an investor had to sit through
Risk and return
Measure
UTI Medium Term Fund (Direct)This fund
Category average
Return (CAGR)
+3.39%
+4.71%
Standard deviation
1.41%
1.39%
Sharpe ratio
-1.31
-0.38
Sortino ratio
-1.78
-0.54
Maximum drawdown
−1.3%
(23-10-2026)
−0.87%
(23-10-2026)
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 Medium Term Fund (Direct)This fund
Category average
Return (CAGR)
+6.58%
+7.66%
Standard deviation
1.18%
1.18%
Sharpe ratio
0.47
1.39
Sortino ratio
0.67
2.08
Maximum drawdown
−1.3%
(23-10-2026)
−0.87%
(23-10-2026)
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 Medium Term Fund (Direct)This fund
Category average
Return (CAGR)
+5.75%
+6.88%
Standard deviation
1.28%
1.43%
Sharpe ratio
-0.04
0.76
Sortino ratio
-0.06
1.14
Maximum drawdown
−1.8%
(09-05-2022)
−1.8%
(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 Medium Term Fund (Direct)This fund
Category average
Return (CAGR)
+5.79%
+7.03%
Standard deviation
2.20%
1.86%
Sharpe ratio
0.18
0.88
Sortino ratio
0.23
1.32
Maximum drawdown
−5.3%
(24-03-2020)
−3.3%
(23-03-2020)
From daily NAVs, 28-10-2016 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 Medium Term Fund (Direct)This fund
Category average
Return (CAGR)
+6.44%
+7.46%
Standard deviation
2.08%
1.81%
Sharpe ratio
0.40
1.02
Sortino ratio
0.51
1.55
Maximum drawdown
−5.3%
(24-03-2020)
−3.3%
(23-03-2020)
From daily NAVs, 09-04-2015 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.
−6%−5%−4%−3%−2%−1%0%
UTI Medium Term Fund (Direct)
Category average, 13 Medium Duration funds
201620182020202220242026
UTI Medium Term Fund (Direct)Category average, 13 Medium Duration funds
Worst fall
High before it
Bottom
Back at the high
Time to climb back
Below its high today
UTI Medium Term Fund (Direct)
−5.3%
14-02-2020
24-03-2020
04-01-2021
9 months
−1.1%
Category average
−3.3%
04-03-2020
23-03-2020
26-05-2020
2 months
−0.70%
From the Direct plan's daily NAV since 09-04-2015, adjusted for unit splits, and the average of the 13 Medium Duration 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 Medium Term Fund vs Other Medium Duration Funds
The five Medium Duration funds with the best three year return, and this fund. Direct plans.
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 Medium Term Fund Expense Ratio and Costs
What each plan charges a year, in force from 30-09-2026
Plan
Base expense ratio
Brokerage
Transaction costs
Levies and GST
Total expense ratio
Medium Duration median
Cost rank (1 = cheapest)
Direct
0.80%
0.00%
0.00%
0.14%
0.94%
0.70%
12/13
Regular
1.33%
0.00%
0.00%
0.21%
1.54%
1.32%
10/13
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 Medium Duration 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
2.72%
3.39%
0.67%
₹1,02,720
₹1,03,390
3 years
5.88%
6.58%
0.70% a year
₹1,18,698
₹1,21,067
5 years
5.08%
5.75%
0.67% a year
₹1,28,115
₹1,32,252
10 years
5.10%
5.79%
0.69% a year
₹1,64,447
₹1,75,568
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 Medium Term 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
Step up each year
PeriodFor
₹10,000 on the first trading day of every month, from 09-04-2015 to 30-10-2026: 139 instalments, ₹13,90,000 in all.
Investment
Invested
Value now
Gain
Return a year
Direct planUTI Medium Term Fund (Direct)
₹13,90,000
₹19,71,423
₹5,81,423
5.9%
Regular planUTI Medium Term Fund (Regular)
₹13,90,000
₹18,90,046
₹5,00,046
5.2%
Category averageCategory average, 13 Medium Duration funds
₹13,90,000
₹21,32,545
₹7,42,545
7.1%
₹0₹5.0 L₹10.0 L₹15.0 L₹20.0 L₹25.0 L
Direct planUTI Medium Term Fund (Direct)
Regular planUTI Medium Term Fund (Regular)
Category averageCategory average, 13 Medium Duration funds
Amount invested
201620182020202220242026
Direct planUTI Medium Term Fund (Direct)Regular planUTI Medium Term Fund (Regular)Category averageCategory average, 13 Medium Duration 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 Medium Term Fund Asset Allocation
Asset allocation as on 30-09-2026
What the fund holds
100.0%Cash and others
Asset
Fund
Category
Cash and others
100.0%
17.3%
UTI Medium Term Fund Portfolio Holdings
As on 30-09-2026 · 2 holdings · from the fund house's monthly portfolio
Holdings
Rating
Weight%
NCD YES BANK LTD. BASEL3AT1 · Bond
ICRA-D
0.00%
NCD YES BANK LTD. BASEL3AT1 · Bond
ICRA-D
0.00%
UTI Medium Term Fund Overview
Fund facts from the scheme summary document, as on 16-10-2026
Expense ratio (Direct)
0.94%
Expense ratio (Regular)
1.54%
Category
Medium Duration
Risk
Moderate
Benchmark
NIFTY Medium Duration Debt Index A-III
Launch date
31-03-2015
AUM
₹33.97 Cr (30-09-2026)
Lock in
None
Scheme code (Direct)
134503
ISIN (Direct)
INF789FB1KE6
Scheme code (Regular)
134499
ISIN (Regular)
INF789FB1JU4
NAV history
From 09-04-2015, 11.6 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-Monthly Reinvestment of IDCW- Rs.200
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-Monthly Reinvestment of IDCW-Rs.500, Regular Pla
Exit load
For units in excess of 10% of the investment,1% will be charged for redemption within 365 days
Tax on UTI Medium Term Fund returns
UTI Medium Term 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
₹20.6018
30-10-2026
direct
Annual IDCW
₹15.2592
30-10-2026
direct
Half Yearly IDCW
₹15.4312
30-10-2026
direct
Monthly IDCW
₹10.3201
30-10-2026
direct
Discontinued Quarterly IDCW
₹15.4147
30-10-2026
regular
Growth
₹19.0457
30-10-2026
regular
Annual IDCW
₹13.9692
30-10-2026
regular
Discontinued Flexi IDCW
₹14.0703
30-10-2026
regular
Half Yearly IDCW
₹10.1297
30-10-2026
regular
Monthly IDCW
₹13.7353
30-10-2026
About UTI Medium Term Fund
UTI Medium Term Fund is a mutual fund from UTI Mutual Fund. Its category is Medium Duration. It was launched on 31-03-2015. Its benchmark is NIFTY Medium Duration Debt Index A-III. At the end of September 2026 it held 2 securities.
Frequently Asked Questions for UTI Medium Term Fund
What is the current NAV of UTI Medium Term Fund?
The Direct plan NAV is ₹20.6018. The Regular plan NAV is ₹19.0457, as on 30-10-2026.
What are the returns of UTI Medium Term Fund?
The Direct plan returned +3.39% in 1 year, +6.58% a year over 3 years, +5.75% a year over 5 years. The Regular plan returned +2.72% in 1 year, +5.88% a year over 3 years, +5.08% a year over 5 years. These figures are as on 30-10-2026.
What is the expense ratio of UTI Medium Term Fund?
The Direct plan charges 0.94% a year. The Regular plan charges 1.54% a year. This is the figure the fund house reported to AMFI, in force from 30-09-2026.
What is the AUM of UTI Medium Term Fund?
UTI Medium Term Fund managed ₹33.97 Cr on 30-09-2026, as its fund house reported in its monthly portfolio.
What are the top holdings of UTI Medium Term Fund?
At the end of September 2026 the largest holdings were NCD YES BANK LTD. BASEL3AT1 (0.00%), NCD YES BANK LTD. BASEL3AT1 (0.00%). The fund held 2 securities in all.
How do I invest in UTI Medium Term 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-Monthly Reinvestment of IDCW- Rs.200. You can invest once or through a monthly SIP.
Who is the fund manager of UTI Medium Term Fund?
Anurag Mittal FM 1, Not Applicable FM 2, Not Applicable FM 3, Not Applicable FM 4.
What is the exit load of UTI Medium Term Fund?
For units in excess of 10% of the investment,1% will be charged for redemption within 365 days
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.
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