UTI Dynamic Term Fund
Fund basics
Returns
Returns for this scheme are not computed yet — we need at least three years of published NAV. The NAV above is today's, straight from AMFI.
Regular vs Direct — same portfolio, two prices
The same fund, the same manager, the same shares. The only difference is the distributor commission inside the Regular plan's expense ratio — charged every year, on the whole balance.
| Plan | NAV | 1y | 3y | 5y |
|---|---|---|---|---|
| Regular (this page) | 32.4777 | — | — | — |
| Direct | 35.6354 | — | — | — |
The two NAVs are 8.9% apart today. They started life at the same ₹10 — the whole of that gap is what the commission has taken out of the Regular plan since launch.
Everything the NAV says
Computed from 3,905 published NAVs between 25 Jun 2010 and 27 Aug 2026 — 16.2 years of history. Nothing here is an estimate; it is arithmetic on what the fund actually printed.
How it has moved
Return over time (%)
| Fund name | 1M | 3M | 6M | 1Y | 3Y | 5Y | 7Y | 10Y | Since launch |
|---|---|---|---|---|---|---|---|---|---|
| UTI Dynamic Term Fund Regular | 0.12 | 1.81 | 2.29 | 5.44 | 6.53 | 8.75 | 7.21 | 6.14 | 7.55 |
Anything over a year is annualised (CAGR); shorter windows are absolute. The benchmark row is the index fund named below, priced daily by AMFI like every other scheme here. The category row is the median Regular plan in Income/Debt Oriented Schemes - Dynamic Term Fund — the middle fund, not a ranking, and a median rather than an average so that one mis-stated scheme cannot move it. As on 25 Aug 2026.
Risk measures
| Fund name | Volatility | Sharpe | Sortino | Beta | Alpha | Max fall |
|---|---|---|---|---|---|---|
| UTI Dynamic Term Fund Regular | 3.70 | 0.01 | 0.02 | — | — | -8.43 |
Risk measures use a risk-free rate of 6.5% and are stated so they can be checked — a ratio quoted without its risk-free rate cannot be. Beta and alpha need an index, so they are blank for the benchmark row itself.
Risk
| Volatility | Downside volatility | Sharpe | Sortino |
|---|---|---|---|
| 3.7% | 2.1% | 0.01 | 0.02 |
Sharpe and Sortino use a risk-free rate of 6.5%, roughly the 10-year government bond. Both are stated so the figure can be checked — a ratio quoted without its risk-free rate cannot be.
The worst it has been
| Deepest fall | Time to recover | Today, from its peak |
|---|---|---|
| -8.4% | 13 months | At a high |
A drawdown is the fall from a previous high to the low that followed it. It is the number that decides whether somebody stays invested — a fund can have an excellent ten-year return and still have been unbearable to hold in year four.
Every one-year period it has lived through
| Best year | Median year | Worst year | Losing years |
|---|---|---|---|
| 19.2% | 7.9% | -6.5% | 6% |
Rolling returns ask a fairer question than a single five-year figure: not "what did it do from this one start date", but "what happened across every start date". A fund whose worst year is −45% is a different proposition from one whose worst is −8%, even if the averages match.
Calendar years
If you had run a SIP
₹10,000 every month for five years — ₹600,000 invested in all — would be worth ₹708,921 today, an XIRR of 6.61% a year.
XIRR, not CAGR. A SIP's money arrives over sixty months, so most of it has been invested for far less than five years — which is why this figure normally sits below the five-year CAGR above in a rising market, and above it in a falling one. It is the return the investor got, not the return the fund got.
What a Income/Debt Oriented Schemes - Dynamic Term Fund scheme is
A SEBI-classified mutual fund scheme.
Compare this scheme with others →
Questions people ask
What is the NAV of UTI Dynamic Term Fund — Regular Plan — Growth?
₹32.4777 as on 25 Aug 2026, from AMFI's daily NAV file. NAV is declared once each business day after markets close, so the figure here is the most recent one published.
What is the difference between the Direct and Regular plan of UTI Dynamic Term Fund?
They hold the identical portfolio, run by the same manager. A Regular plan pays a distributor commission out of the fund, inside its expense ratio — commonly 0.5% to 1.2% a year more than Direct. That difference is charged on the whole balance, every year, so it compounds: on ₹1,00,000 held ten years a gap of 1.5 percentage points is roughly ₹1.4 lakh of ending value. Direct is the same fund without the commission.
What does the Growth option mean?
Growth reinvests everything the fund earns back into the NAV. Nothing is paid out, so the NAV rises with returns and you are taxed only when you sell. For anybody who does not need income from the investment, Growth is the simpler and usually the more tax-efficient option.
What kind of scheme is this?
A SEBI-classified mutual fund scheme.