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  • UTI Short Term Income Fund Inc Dist cum Cap Wdrl (RIDCW-Q)

Formerly UTI S/T Income Reg Qt DR

UTI Mutual Fund

UTI Short Term Income Fund Inc Dist cum Cap Wdrl (RIDCW-Q)

DebtShort Term

Top Ranked

13.2777

NAV (Oct 21)

5%
3 Year CAGR
Scripbox Opinion

Top Ranked

These are the top-ranked funds within short term mutual funds.However, Scripbox does not recommend investing in short term mutual funds.Short Term Funds invest in debt and money market instruments such that the duration of the portfolio is between 1 to 3 years.This exposes them to higher variations when interest rates change.

The category is one of the largest categories within the Debt Segment (9% of the total assets).

We assess the credit quality of funds in this category as relatively poor.We do not recommend funds in this category since we believe that the potential incremental return is not justified by the higher credit risk and higher interest rate risk.

Scripbox does not recommend investing in the dividend option of a fund because dividends are taxable at a higher rate than withdrawals.

Our analysis of this fundLearn how we rate funds ->

Track Record

14 Years. The Fund has Sufficient history for analysis and the track record is good.

Relative Size

3,837 Cr. Large within the category

Impact of Interest Rate Changes

High Interest Rate Risk. The impact on fund value is high when interest rates change

Credit Quality Of Fund's Portfolio

Low Credit Risk. The fund has a high credit quality compared to other debt funds

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Short Term Money

Short Term Money

Invest in a scientifically curated set of debt mutual funds which are best aligned towards achieving any short term objectives you may have.

  • graph-icon-gray
    Historical growth rate of 6.5% per annum
  • graph-icon-gray
    Recommended Duration 1 - 5 years
  • graph-icon-gray
    No Lock-in
  • graph-icon-gray
    Expert Investing Only, Car, Down Payment

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Historical NAV

13.2777

NAV (Oct 21)

Fund Returns

Last 1Y
9.2%
Last 3Y
5%
Last 5Y
4.8%
Last 10Y
6.5%
Since Inception
5.5%
6 Month CAGR
7.4%
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Scheme Information

Investment Objective

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. However there can be no assurance that the investment objective of the Scheme will be achieved. The Scheme does not guarantee / indicate any returns.

Low

Low to Moderate

Moderate

Moderately High

High

Very High

risk-indicator-arrow.svg

Low to Moderate Risk

Expense Ratio
0.95
Launched (14y ago)
Nov 19, 2007
AUM in Crores
3836.499
ISIN
INF789FA1R58
Lock-in
No Lock-in
Benchmark
CRISIL Short Term Bond Fund TR INR
SIP Minimum
1000
Lumpsum Min.
20000
Fund Managers
user-avatar

Sudhir Agarwal

Fund Manager

calculator

Returns Calculator Comparison

of

for

with step up of

InstrumentReturnsTotal CorpusGainsAnnualised %
Mutual Fund70%₹ 9,65,796 ₹ 2,33,18411.25%
EPF70% ₹ 9,00,761 ₹ 1,68,1498.50%
Property70% ₹ 8,67,662 ₹ 1,35,0507.00%
PPF70% ₹ 8,69,819 ₹ 1,37,2077.10%
Bank FD70% ₹ 8,46,471 ₹ 1,13,8596.00%
Gold70% ₹ 8,46,471 ₹ 1,13,8596.00%
Savings Bank70% ₹ 8,25,950 ₹ 93,3385.00%

Disclaimer: Products compared like fixed deposits may provide fixed guaranteed returns. Mutual Funds investments are subject to market risk, read all scheme related documents carefully before investing. Past performance is not an indicator of future returns.

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Short Term Money

Invest in a scientifically curated set of debt mutual funds which are best aligned towards achieving any short term objectives you may have.

  • Inflation beating returns
    Inflation beating returns
  • Expert Investing Only, Car, Down Payment
    Expert Investing Only, Car, Down Payment
  • One click investing  tracking
    One click investing tracking
comparison

Comparison with Debt Funds

Fund NameScripbox OpinionFund SizeTrack Record

Kotak Savings Fund (G)

recommended-badge

₹ 13,509 cr

5

recommended-badge

₹ 33,192 cr

5

recommended-badge

₹ 11,590 cr

5

recommended-badge

₹ 33,722 cr

5

recommended-badge

₹ 22,849 cr

5

amc-icon

About the AMC

UTI Asset Management Company Ltd

UTI Asset Management Co Ltd manages assets worth 186,049 crores and was set up on 3 December 1993. It's current offering of mutual fund schemes includes 59 equity,485 debt and 34 hybrid funds.

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  • tel-amc-about
    022-62278000
  • mail-amc-about
    invest@utico.in
  • Fund NameScripbox Opinion
    Till Date CAGR
    recommended-badge

    21.8%

    12.2%

    top-ranked-badge

    21.8%

    12.2%

    top-ranked-badge

    21.8%

    12.2%

    top-ranked-badge

    4.3%

    7.4%

    top-ranked-badge

    5%

    7%

    growth

    Short Term Money

    Invest in a scientifically curated set of debt mutual funds which are best aligned towards achieving any short term objectives you may have.

    • graph-icon-gray
      Historical growth rate of 6.5% per annum
    • graph-icon-gray
      Recommended Duration 1 - 5 years
    • graph-icon-gray
      No Lock-in
    • graph-icon-gray
      Expert Investing Only, Car, Down Payment
    • graph-icon-gray
      One-click investing and tracking
    • graph-icon-gray
      Zero fees for all your investments
    Kotak Savings Fund (Growth)

    Kotak Savings Fund (Growth)

    Debt

    Ultra Short

    ICICI Prudential Savings Fund (Growth)

    ICICI Prudential Savings Fund (Growth)

    Debt

    Low Duration

    Tata Liquid Fund (Growth)

    Tata Liquid Fund (Growth)

    Debt

    Liquid

    How does Scripbox rate funds?

    Proprietary 4-step system to rate mutual funds

    We use a proprietary system to rate mutual funds and based on that make a recommendation or rate the fund as top ranked.

    What Scripbox recommendations mean?
    Scripbox algorithm recommends 2-4 funds for investment for an investment asset class such as large cap, diversified, liquid etc. When you invest for an objective, the algorithm suggests the appropriate asset class and funds.
    Track Record

    Track Record

    We look at consistent and long historical performance for our analysis.

    Fund Size

    Fund Size

    We look at the size of the fund with respect to other funds in the category. Larger funds are preferred.

    Sub-asset Class View

    Sub-asset Class View

    We check if the sub-category of the fund is recommended by us.

    Fund Performance

    Fund Performance

    Consistency of performance over various tenures is analysed for a relative performance stack.

    Track Record

    Track Record

    We look at consistent and long historical performance for our analysis.

    Fund Size

    Fund Size

    We look at the size of the fund with respect to other funds in the category. Larger funds are preferred.

    Impact of Interest Rates

    Impact of Interest Rates

    We check the relative interest rate risk of the sub-category of the fund. Lower the better.

    Credit Attractiveness

    Credit Attractiveness

    We check the credit quality of the underlying instruments present in the fund. Higher the better.

    Equity Funds

    Debt Funds

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    TRUST

    1. 4100+Crores
    2. 2500+Cities
    3. 7200+Customers
    We manage to deliver better strategies to people who trust us.

    We thrive on trust. You don’t need to just take our word for it! Get started with your wealth creation without worry.

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    Investing has helped me dream bigger for my life
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    About UTI Short Term Income Fund Inc Dist cum Cap Wdrl (RIDCW-Q)

    About UTI Short Term Income Fund Inc Dist cum Cap Wdrl (RIDCW-Q)

    UTI Short Term Income Fund Inc Dist cum Cap Wdrl (RIDCW-Q) is a Short Term Debt fund and has delivered an annualised return of 5.5% over a period of 13 years. The fund was previously known as UTI S/T Income Reg Qt DR . The fund is managed by UTI Asset Management Co Ltd. The fund manager’s name is Sudhir Agarwal

    UTI Short Term Income Fund Inc Dist cum Cap Wdrl (RIDCW-Q) Investment Objective

    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. However there can be no assurance that the investment objective of the Scheme will be achieved. The Scheme does not guarantee / indicate any returns. . However, there is no assurance that the objective of the scheme will be realized.

    UTI Short Term Income Fund Inc Dist cum Cap Wdrl (RIDCW-Q) NAV,AUM,Risk

    The UTI Short Term Income Fund Inc Dist cum Cap Wdrl (RIDCW-Q) fund was launched on Nov 19, 2007. The NAV (Net Asset Value) of this Short Term Debt fund as of 2021-10-21 is ₹13.28. The total AUM (Asset Under Management) of the fund as of 22/10/2021 is ₹3836.499. The category risk of the UTI Short Term Income Fund Inc Dist cum Cap Wdrl (RIDCW-Q) fund is Low to Moderate Risk. The fund charges 0.95 % as expense ratio.

    UTI Short Term Income Fund Inc Dist cum Cap Wdrl (RIDCW-Q) Holdings

    The fund’s highest allocation is towards Debt and has invested 75.3% in this asset class. The top three holdings of the fund are , net current assets , govt stock , axis finance limited , national bank for agriculture and rural development , housing development finance corporation limited , housing and urban development corporation limited (hudco) , hindustan petroleum corporation limited , power finance corporation ltd. , 6.10% govt stock 2031 , 8.24% tamil nadu sdl 2025 , piramal capital & housing finance ltd , india grid trust , mahindra rural housing finance limited , 182 dtb 16122021 , tata motors finance limited , 7.68% govt stock 2023 , reliance ports and terminals limited , icici bank limited , 7.16% govt stock 2023 , 05.82 br sdl 2026 , rural electrification corporation limited , 08.27% rj sdl spl 2022 , national bank for agriculture and rural development , food corporation of india , housing development finance corporation limited , housing development finance corporation limited , bank of baroda , rural electrification corporation limited , national bank for agriculture and rural development , punjab national bank , indian railway finance corporation limited , shriram transport finance company limited , indian railway finance corporation limited , mahindra & mahindra financial services limited , shining metal trust ii , rural electrification corporation limited , muthoot finance limited , bajaj finance limited , 7.68% mp sdl spl 2023 , indian oil corporation limited , 8.15% govt stock 2022 , 8.18% hr sdl spl 2022 , 8.35% govt stock 2022 , the indian hotels company limited , 05.39 gj sdl 2024 , food corporation of india , sundaram home finance limited , cholamandalam investment and fin. co. ltd (cholamandalam dbs finance ltd) , sikka port and terminal limited , state bank of india , export-import bank of india , housing and urban development corporation limited (hudco) , 5.15% govt stock 2025 , rec limited , larsen and toubro limited , clearing corporation of india ltd. std - 91 daysmargin deposit

    UTI Short Term Income Fund Inc Dist cum Cap Wdrl (RIDCW-Q) Sip

    The minimum SIP (Systematic Investment Plan) amount for this is ₹1000 and you can increase this in multiples of ₹ 100. In case you want to invest a lump sum, the minimum amount to be invested is ₹ 20000.

    UTI Short Term Income Fund Inc Dist cum Cap Wdrl (RIDCW-Q) Investment volatility and Horizon

    This fund is suited for investors looking to invest for 1-4 years. The asset class is less volatile than equity and the fund is likely to provide stable but slow growth. The fund is benchmarked to CRISIL Short Term Bond Fund TR INR.

    UTI Short Term Income Fund Inc Dist cum Cap Wdrl (RIDCW-Q) Review

    UTI Short Term Income Fund Inc Dist cum Cap Wdrl (RIDCW-Q) has a score of 4 on a scale of 5. The fund has a score of 4 out of 5 based on historical performance. As compared to the other funds in its category, UTI Short Term Income Fund Inc Dist cum Cap Wdrl (RIDCW-Q) has a score of 4out of 5 The credit risk of the fund is 4 out of 5 as compared to other debt funds.

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