Investment Objective and Approach

The investment objective of the scheme is to generate reasonable income, with low risk and high level of liquidity from a portfolio of debt & money market instruments. Short Duration debt funds invest mainly in bonds maturing in a period of one to three years. They are suitable for investment horizons of one to three years, or for the fixed-income allocation in your longer-term portfolio.

The fund primarily invests in:

- Debt securities with maturity between 1-3 years

- Money market instruments

- Corporate bonds and government securities

- Commercial papers and certificates of deposit

You can expect to earn higher returns than what a bank fixed deposit can fetch. The risk of incurring a loss in these funds is low, but they do not guarantee returns or safety of capital like a bank deposit.

Fund Managers

The fund manager's name is Sudhir Agrawal. Sudhir Agrawal did his PGDBA from K J Somaiya Institute of Management Studies & Research. He worked at Credit Analysis & Research, Transparent Value and TATA Mutual Fund before joining UTI Mutual Fund as the Executive Vice President & Fund Manager.

About the Fund House (AMC)

UTI Mutual Fund has a rich history in the Indian mutual fund industry. UTI Mutual Fund was launched after carving out the former Unit Trust of India by repealing the Unit Trust of India Act 1963. UTI was subsequently bifurcated into UTI Mutual Fund and SUUTI. It was registered with SEBI or the Securities and Exchange Board of India on 01 February 2003.

UTI has four sponsors namely the State Bank of India (SBI), Life Insurance Corporation of India (LIC), Punjab National Bank and the Bank of Baroda. The 4 big partners- State Bank of India, the PNB or Punjab National Bank, Bank of Baroda, and the Life Insurance Corporation of India each holds 18.24% of the shares in the UTIMF. A significant share of 26% is held by the T Rowe Price Group Inc, also known as the TRP Group, and controlled by its subsidiary - T Rowe Price Global Investment Services Ltd.

Its investors number nearly 11 million and there are over 250 plans currently operational with a total AuM of nearly Rs 238790 Crores. The fund managers at UTI Asset Management, which manages the Mutual Funds, have divested widely and are involved in a wide array of businesses, including retirement solutions, portfolio management solutions, International Banking and alternative assets management.

Should I Invest in UTI Short Duration Fund?

UTI Short Duration Fund can be suitable for investors with specific requirements:

Ideal for:

- Conservative investors seeking steady returns

- Investors with 1-3 year investment horizon

- Those looking for better returns than fixed deposits

- Investors wanting fixed-income allocation in their portfolio

- Those requiring high liquidity with reasonable returns

Key Considerations:

- Remember, their returns may not be substantially higher than inflation. They are meant to deliver steady, but low to moderate returns and are not suitable to build wealth in the long run.

- There have been instances when short duration funds have incurred losses.

- Suitable for risk-averse investors who prioritize capital preservation over high returns

Investment Details:

- Minimum Investment Amount: Lump sum minimum amount for UTI Short Duration Fund is ₹500 and for SIP, it is ₹500.

- Expense ratio 0.81% (as of July 2025)

- AUM (Fund size) ₹3,280.85 Crore (as of July 2025)

FAQs

What is today's NAV of UTI Short Duration Fund?

The latest NAV is ₹31.9175 for the Regular Plan (as of July 2025). NAV is updated daily and varies between Direct and Regular plans.

What is the AUM of UTI Short Duration Fund?

The AUM (Fund size) is ₹3,280.85 Crore as of July 2025. AUM indicates the total assets managed by the fund.

What is the expense ratio of UTI Short Duration Fund?

The expense ratio is 0.81% for the Regular Plan as of July 2025. Direct plans typically have lower expense ratios.

What are the returns of UTI Short Duration Fund since inception?

Returns since inception are 6.73% p.a. as of July 2025. Past performance doesn't guarantee future returns.

What is the minimum SIP amount to invest in UTI Short Duration Fund?

The minimum SIP amount is ₹500. You can also invest a lump sum with the same minimum amount.

How do I invest in UTI Short Duration Fund?

You can invest through Allvest platform, AMC website, or other registered mutual fund distributors. Complete your KYC and choose between Direct or Regular plans.

How to start a SIP in UTI Short Duration Fund?

Register with Allvest or any mutual fund platform, complete your KYC, select the fund, choose SIP option, set amount and frequency, and authorize auto-debit.

How do I automate an SIP in UTI Short Duration Fund?

Set up auto-debit mandate through Allvest by providing bank details and authorizing automatic monthly deductions. E-NACH or bank mandate makes it hassle-free.

How can I withdraw/redeem my investment in UTI Short Duration Fund?

You can redeem through Allvest platform, AMC website, or by submitting redemption forms. There's no exit load, making redemption flexible anytime.