MonitorDirect · GrowthWatch before adding
Motilal Oswal Ultra Short Term Fund
Motilal Oswal Mutual FundDebt Scheme - Ultra Short Duration Fund13.1 years
The Scheme seeks to generate optimal returns consistent with moderate levels of risk and liquidity by investing in debt securities and money market securities.
- NAV
- 18.855
- 30 Oct 2026
- 1Y
- +6.0%
- Trailing CAGR
- AUM
- ₹533.87 Cr
- 30 Sept 2026
- Volatility
- Low
- 2.6% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 30 Oct 2026
Stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
In three lines
Fits if · Peak-to-trough drawdown has stayed shallower than 15%.
Prefer peers if · Prefer Tata Ultra Short Term Fund if you want a same-category peer with stronger evidence.
Buy checklist
History depth
Pass
13.1 years of path to read.
Engine status
Watch
Recent evidence is mixed. Compare peers before increasing exposure.
Expense ratio
Pass
0.37% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -12.0%. Ask whether you can hold through a similar fall.
Vs category
Fail
0% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
Pass
Rakesh Shetty · 3.9 years on the scheme.
Exit load
n/a
No exit-load summary on file.
Tax / wrapper
Pass
Direct Growth, no ELSS lock flagged. Equity LTCG rules still apply after one year - not tax advice.
Portfolio concentration
Pass
Top 10 holdings ≈ 54.2% of the portfolio.
Browse category
Same-category peers are preloaded into compare when available.
Before you buy or SIP
Behaviour and wrappers - the usual India MF failure modes - not a buy instruction.
SIP discipline
Monitor is recent mixed evidence - keep the SIP unless the buying brief says prefer peers, then swap with intent.
NAV
Path not in current snapshots
n/a
Returns
Trailing CAGR and simulated monthly SIP XIRR from daily NAV. Category comparison uses the median of comparable share classes in the peer set.
Trailing CAGR
Point-to-point, calendar-day annualized
- 1Y+6.0%
- 3Y+6.4%
- 5Y+5.8%
- 10Y+4.1%
- SI+4.9%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+6.1%
- 3Y+6.2%
- 5Y+6.2%
- 10Y+5.0%
- Since inception
- +4.9%
- Calendar-day CAGR
- Excess 1Y
- -0.3%
- Category median, same plan and option
- 3Y win rate
- 0%
- Windows beating the median
- 3Y percentile
- 0
- Vs comparable share classes
- SIP 3Y XIRR
- +6.2%
- Simulated monthly SIP
- Worst rolling 3Y
- -0.0%
- 2454 daily-ending windows
- Median rolling 3Y
- +4.5%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 1970 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -12.0%
- Worst peak-to-trough
- Current
- 0.0%
- At peak
- Current spell
- 0 days
- Days below latest peak
- Time below peak
- +27%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 18 days
- 66 recovered episodes
- Longest recovery
- 1001 days
- Trough to prior peak
7 Sept 2018 – 20 Sept 2021
Trough 24 Dec 2018 · recovered in 1001 days
-12.0%
2 May 2022 – 30 May 2022
Trough 11 May 2022 · recovered in 19 days
-0.2%
19 Oct 2026 – 26 Oct 2026
Trough 22 Oct 2026 · recovered in 4 days
-0.1%
6 Dec 2016 – 13 Dec 2016
Trough 7 Dec 2016 · recovered in 6 days
-0.1%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
0
Vs category
48
Consistency
0
Risk-adjusted
9
Drawdown
70
Mean
25
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Monitor
Buying stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
Why this status
- Three-year return sits below the 25th percentile of comparable share classes.
- Risk-adjusted return (Sharpe) is negative over the available daily history.
Supporting reads
- Peak-to-trough drawdown has stayed shallower than 15%.
Portfolio
30 Sept 2026 · 21 holdings · top 10 are 54.2%.
- Top 5
- 31.3%
- Top 10
- 54.2%
- Largest holding
- 9.2%
- Effective holdings
- 18.9
364 Days T Bill 04-02-2027
Financial
9.2%
Reverse Repo
Unspecified
8.3%
BAJAJ FINANCE LIMITED 365D CP 06NOV26
Financial
4.7%
BANK OF BARODA CD 11JAN27
Financial
4.6%
KOTAK MAHINDRA BANK LIMITED CD 08JAN27
Financial
4.6%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Tata Ultra Short Term Fund
Tata Mutual Fund
- 1Y
- +6.8%
- 3Y
- +7.4%
- Vol
- 0.5%
- Max DD
- -0.7%
- Sharpe
- 1.23
- 3Y win
- +67%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Franklin India Ultra Short Bond Fund (no. of segregated portfolio-1)
Franklin Templeton Mutual Fund
- 1Y
- +13.7%
- 3Y
- +8.7%
- Vol
- 1.6%
- Max DD
- -4.4%
- Sharpe
- 1.77
- 3Y win
- +100%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
HDFC Ultra Short Term Fund
HDFC Mutual Fund
- 1Y
- +6.1%
- 3Y
- +7.1%
- Vol
- 0.6%
- Max DD
- -1.0%
- Sharpe
- 1.26
- 3Y win
- +38%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher TER
ICICI Prudential Ultra Short term Fund
ICICI Prudential Mutual Fund
- 1Y
- +6.4%
- 3Y
- +7.3%
- Vol
- 1.7%
- Max DD
- -7.5%
- Sharpe
- 1.16
- 3Y win
- +100%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher TER
Kotak Treasury Advantage
Kotak Mahindra Mutual Fund
- 1Y
- 0.0%
- 3Y
- 0.0%
- Vol
- 0.4%
- Max DD
- -0.9%
- Sharpe
- -15.62
- 3Y win
- +14%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
Caveat: Lower trailing returns