{"id":249257,"date":"2026-09-16T13:05:41","date_gmt":"2026-09-16T07:35:41","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/woc-ultra-short-term-fund-direct-growth-review-2026\/"},"modified":"2026-09-16T13:05:41","modified_gmt":"2026-09-16T07:35:41","slug":"woc-ultra-short-term-fund-direct-growth-review-2026","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/woc-ultra-short-term-fund-direct-growth-review-2026\/","title":{"rendered":"WOC Ultra Short Term Fund Direct Growth Review 2026: NAV, Returns, Portfolio &#038; Should You Invest?"},"content":{"rendered":"<p><a href=\"https:\/\/univest.in\/mutual-funds\/woc-ultra-short-term-fund-g-direct-plan\">WOC Ultra Short Term Fund Direct Growth Plan<\/a> is a Debt scheme with a \u20b91,519.6605 NAV as of 15 Sep 2026 and an AUM of \u20b9584 Cr. Its 1-year, 3-year and 5-year returns are 6.44%, 7.02% and 6.3%. The fund sits in the Low Risk category, so our view is that it fits conservative investors who want short-duration debt exposure with steadier compounding rather than sharp return swings.<\/p>\n<p>The portfolio is led by deposits, certificates of deposit and corporate debt, with a meaningful cash component as well. That mix supports the fund\u2019s lower-volatility profile, while the return record shows a fairly steady pattern over longer periods. Compared with the benchmark, it has been meaningfully ahead across the listed horizons, which strengthens the case for investors who value consistency over aggressive upside.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/woc-ultra-short-term-fund-direct-growth-review-2026\/#Quick_facts\" title=\"Quick facts\">Quick facts<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/woc-ultra-short-term-fund-direct-growth-review-2026\/#Performance\" title=\"Performance\">Performance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/woc-ultra-short-term-fund-direct-growth-review-2026\/#Should_you_BUY_or_HOLD_WOC_Ultra_Short_Term\" title=\"Should you BUY or HOLD WOC Ultra Short Term?\">Should you BUY or HOLD WOC Ultra Short Term?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/woc-ultra-short-term-fund-direct-growth-review-2026\/#Peer_comparison\" title=\"Peer comparison\">Peer comparison<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/woc-ultra-short-term-fund-direct-growth-review-2026\/#Portfolio_where_your_money_goes\" title=\"Portfolio: where your money goes\">Portfolio: where your money goes<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/woc-ultra-short-term-fund-direct-growth-review-2026\/#Who_should_invest\" title=\"Who should invest\">Who should invest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/woc-ultra-short-term-fund-direct-growth-review-2026\/#Tax_and_exit_load\" title=\"Tax and exit load\">Tax and exit load<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/woc-ultra-short-term-fund-direct-growth-review-2026\/#Frequently_asked_questions\" title=\"Frequently asked questions\">Frequently asked questions<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/woc-ultra-short-term-fund-direct-growth-review-2026\/#Bottom_line\" title=\"Bottom line\">Bottom line<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/woc-ultra-short-term-fund-direct-growth-review-2026\/#Explore_mutual_funds_with_Univest\" title=\"Explore mutual funds with Univest\">Explore mutual funds with Univest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/woc-ultra-short-term-fund-direct-growth-review-2026\/#RIA_disclosure\" title=\"RIA disclosure\">RIA disclosure<\/a><\/li><\/ul><\/nav><\/div>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Quick_facts\"><\/span>Quick facts<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Particular<\/th>\n<th>Details<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>NAV<\/td>\n<td>\u20b91,519.6605 as of 15 Sep 2026<\/td>\n<\/tr>\n<tr>\n<td>AUM<\/td>\n<td>\u20b9584 Cr<\/td>\n<\/tr>\n<tr>\n<td>Expense Ratio<\/td>\n<td>0.5%<\/td>\n<\/tr>\n<tr>\n<td>Launch Date<\/td>\n<td>06 Jun 2019<\/td>\n<\/tr>\n<tr>\n<td>Min SIP<\/td>\n<td>\u20b9500<\/td>\n<\/tr>\n<tr>\n<td>Risk Category<\/td>\n<td>Low Risk<\/td>\n<\/tr>\n<tr>\n<td>Benchmark<\/td>\n<td>Nifty 50<\/td>\n<\/tr>\n<tr>\n<td>Fund Category<\/td>\n<td>Debt<\/td>\n<\/tr>\n<tr>\n<td>Exit Load<\/td>\n<td>No exit load<\/td>\n<\/tr>\n<tr>\n<td>Fund Managers<\/td>\n<td>Piyush Baranwal<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The fund is managed by Piyush Baranwal.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 15 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Performance\"><\/span>Performance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Period<\/th>\n<th>Fund return<\/th>\n<th>Benchmark return<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>1M<\/td>\n<td>0.5%<\/td>\n<td>-4.81%<\/td>\n<\/tr>\n<tr>\n<td>3M<\/td>\n<td>1.74%<\/td>\n<td>-3.63%<\/td>\n<\/tr>\n<tr>\n<td>1Y<\/td>\n<td>6.44%<\/td>\n<td>-8.27%<\/td>\n<\/tr>\n<tr>\n<td>3Y<\/td>\n<td>7.02%<\/td>\n<td>5.59%<\/td>\n<\/tr>\n<tr>\n<td>5Y<\/td>\n<td>6.3%<\/td>\n<td>5.58%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The short-term pattern is constructive. Over 1M and 3M, the fund has kept positive returns while the benchmark has remained negative, which tells us the scheme has preserved a smoother return path in the most recent stretch. That matters for ultra-short duration debt investors, because the day-to-day objective is usually stability first and return second.<\/p>\n<p>Over 1Y, the fund\u2019s 6.44% return is well ahead of the benchmark\u2019s -8.27%. That gap is large, but it should be read in the context of the benchmark chosen here, which has been weak across the same period. Even so, the fund has clearly held up better than the benchmark through the year.<\/p>\n<p>The longer view is more balanced. At 3Y, the fund\u2019s 7.02% return remains ahead of the benchmark\u2019s 5.59%, and the 5Y figure of 6.3% is also above the benchmark\u2019s 5.58%. The trajectory in the longer window looks steady rather than erratic, which is consistent with a debt portfolio designed to limit volatility. Our view is that the recent stretch supports the same message the longer record already gives: the fund has been able to compound without sharp drawdowns in the observed periods.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 15 Sep 2026<\/small><\/p>\n<section class=\"univest-mf-premium-cta\" style=\"margin:28px 0;padding:24px;border-radius:10px;border:1px solid #d8e3f0;background:#f7faff\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Should_you_BUY_or_HOLD_WOC_Ultra_Short_Term\"><\/span>Should you BUY or HOLD WOC Ultra Short Term?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A fund&#8217;s past returns alone don&#8217;t tell you whether you should buy it today or continue holding it.<\/p>\n<p>The right decision depends on factors such as your current allocation, purchase price, risk profile, investment horizon and the role this fund plays in your overall portfolio.<\/p>\n<p><strong>Already holding WOC Ultra Short Term? Thinking of investing now?<\/strong><\/p>\n<p><a href=\"https:\/\/univest.in\/mutual-funds\" style=\"font-weight:700;text-decoration:none\">Get your portfolio analysed for FREE by SEBI-registered Investment Adviser (RIA) through Univest MF Premium<\/a><\/p>\n<\/section>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Peer_comparison\"><\/span>Peer comparison<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Fund<\/th>\n<th>1Y return<\/th>\n<th>3Y return<\/th>\n<th>5Y return<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/woc-ultra-short-term-fund-g-direct-plan\">WOC Ultra Short Term Fund Direct Growth Plan<\/a><\/td>\n<td>6.44%<\/td>\n<td>7.02%<\/td>\n<td>6.3%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/nippon-india-ultra-short-term-fund-g-direct-plan\">Nippon India Ultra Short Term Fund Direct Growth Plan<\/a><\/td>\n<td>7.02%<\/td>\n<td>7.58%<\/td>\n<td>6.97%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/axis-ultra-short-term-fund-g-direct-plan\">Axis Ultra Short Term Fund Direct Growth Plan<\/a><\/td>\n<td>6.86%<\/td>\n<td>7.46%<\/td>\n<td>6.76%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/invesco-india-ultra-short-term-fund-g-direct-plan\">Invesco India Ultra Short Term Fund Direct Growth Plan<\/a><\/td>\n<td>6.8%<\/td>\n<td>7.34%<\/td>\n<td>6.6%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/dsp-ultra-short-term-fund-g-direct-plan\">DSP Ultra Short Term Fund Direct Growth Plan<\/a><\/td>\n<td>6.8%<\/td>\n<td>7.44%<\/td>\n<td>6.65%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/uti-ultra-short-term-fund-g-direct-plan\">UTI Ultra Short Term Fund Direct Growth Plan<\/a><\/td>\n<td>6.74%<\/td>\n<td>7.34%<\/td>\n<td>7.18%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>This assessment is prepared by Uniapps Investment Adviser Pvt. Ltd. under SEBI Registered Investment Adviser registration INA000017639.<\/p>\n<p>On the listed returns, the fund trails the stronger peer figures in the 1-year window, where the peers cluster between 6.74% and 7.02% versus this fund\u2019s 6.44%. The same pattern continues over 3 years, where the peer set sits in a narrower higher band, while this fund stays at 7.02%. Over 5 years, the gap is smaller, but several peers still sit above this scheme, which suggests the long-run compounding pace is respectable rather than standout.<\/p>\n<p>The interesting part is that the short-term and longer-term comparisons tell a slightly different story. The fund has been ahead of the benchmark across all listed periods, yet relative to peers it looks more moderate on the available return data. That makes the fund more of a stability-first option inside the ultra-short duration space than a return-chasing one.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 15 Sep 2026<\/small><\/p>\n<div class=\"univest-peer-login-cta\" style=\"margin:20px 0;padding:16px 18px;border:1px solid #d8e3f0;border-radius:8px;background:#f7faff\">\n<p style=\"margin:0\"><strong>Want to know more?<\/strong> <a href=\"https:\/\/univest.in\/user\/log-in\" style=\"font-weight:700;text-decoration:none\">Log in to Univest<\/a> for more mutual fund insights.<\/p>\n<\/div>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Portfolio_where_your_money_goes\"><\/span>Portfolio: where your money goes<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Holding<\/th>\n<th>Sector<\/th>\n<th>Weight<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Indian Bank (04\/12\/2026) #<\/td>\n<td>Certificate of Deposit<\/td>\n<td>8.42%<\/td>\n<\/tr>\n<tr>\n<td>National Bank for Agriculture and Rural Development (17\/02\/2027) #<\/td>\n<td>Certificate of Deposit<\/td>\n<td>8.3%<\/td>\n<\/tr>\n<tr>\n<td>Bank of Baroda (08\/03\/2027) ** #<\/td>\n<td>Certificate of Deposit<\/td>\n<td>7.94%<\/td>\n<\/tr>\n<tr>\n<td>Clearing Corporation of India Ltd<\/td>\n<td>Cash &amp; Cash Equivalents and Net Assets<\/td>\n<td>6.01%<\/td>\n<\/tr>\n<tr>\n<td>7.9% LIC Housing Finance Limited (23\/06\/2027) **<\/td>\n<td>Corporate Debt<\/td>\n<td>4.29%<\/td>\n<\/tr>\n<tr>\n<td>8.9% Muthoot Finance Limited (17\/06\/2027) **<\/td>\n<td>Corporate Debt<\/td>\n<td>4.29%<\/td>\n<\/tr>\n<tr>\n<td>7.14% Bajaj Housing Finance Limited (26\/02\/2027) **<\/td>\n<td>Corporate Debt<\/td>\n<td>4.27%<\/td>\n<\/tr>\n<tr>\n<td>Canara Bank (14\/09\/2026) ** #<\/td>\n<td>Certificate of Deposit<\/td>\n<td>4.27%<\/td>\n<\/tr>\n<tr>\n<td>Punjab National Bank (15\/09\/2026) #<\/td>\n<td>Certificate of Deposit<\/td>\n<td>4.27%<\/td>\n<\/tr>\n<tr>\n<td>Axis Bank Limited (07\/12\/2026) ** #<\/td>\n<td>Certificate of Deposit<\/td>\n<td>4.21%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The largest holding is Indian Bank at 8.42%, and the decline after that is gradual rather than abrupt. By the tenth holding, the weight is still 4.21%, so the top slice remains fairly tight, with no single position dominating the visible book.<\/p>\n<p>The top 10 holdings together account for approximately 56.27% of the portfolio. That suggests a meaningful level of concentration in a relatively small group of short-term debt instruments and cash-like positions, while the disclosed portfolio still extends to 25 holdings overall. Our view is that this structure may help balance liquidity, credit exposure and reinvestment flexibility, but the top names are still likely to have greater influence on the fund\u2019s behaviour than the long tail.<\/p>\n<p>The mix is led by certificates of deposit, with corporate debt and cash equivalents also present. That combination is consistent with a short-duration debt strategy and may support a more measured return pattern, especially when compared with funds that lean more heavily into lower-quality or longer-duration assets.<\/p>\n<p>To see all holdings, visit the <a href=\"https:\/\/univest.in\/mutual-funds\/woc-ultra-short-term-fund-g-direct-plan\">WOC Ultra Short Term Fund Direct Growth Plan<\/a> page<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 15 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Who_should_invest\"><\/span>Who should invest<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>This fund is best suited to investors with a conservative risk tolerance who want debt exposure with relatively low volatility. The Low Risk label and the short-term return pattern point to a scheme that is designed more for steadiness than for aggressive capital growth.<\/p>\n<p>A medium to long horizon can still make sense, but the fund is especially relevant for parking money over periods where stability and liquidity matter more than maximizing upside. The main trade-off is that returns are likely to remain modest compared with more credit- or duration-heavy debt funds, even though the fund has stayed ahead of the benchmark across the listed periods.<\/p>\n<p>Within the ultra-short duration space, the portfolio mix of CDs, corporate debt and cash equivalents may appeal to investors who prefer a relatively disciplined credit profile and do not want large swings in value.<\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Tax_and_exit_load\"><\/span>Tax and exit load<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Holding period<\/th>\n<th>Tax rate<\/th>\n<th>Description<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Units held less than 1 year<\/td>\n<td>20%<\/td>\n<td>Short-term capital gains tax<\/td>\n<\/tr>\n<tr>\n<td>Units held more than 1 year<\/td>\n<td>12.5%<\/td>\n<td>Long-term capital gains tax<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>Exit load:<\/strong> No exit load.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 15 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Frequently_asked_questions\"><\/span>Frequently asked questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>What is the current NAV of WOC Ultra Short Term Fund Direct Growth Plan?<\/strong><br \/>The NAV is \u20b91,519.6605 as of 15 Sep 2026.<\/p>\n<p><strong>What are the fund\u2019s 1-year, 3-year and 5-year returns?<\/strong><br \/>The fund\u2019s 1-year, 3-year and 5-year returns are 6.44%, 7.02% and 6.3%.<\/p>\n<p><strong>How has the fund performed against its benchmark?<\/strong><br \/>It has stayed ahead of the benchmark across the listed 1M, 3M, 1Y, 3Y and 5Y periods. The gap is especially wide over 1 year, while the longer periods still show a clear lead.<\/p>\n<p><strong>How does it compare with peer funds on available returns?<\/strong><br \/>It trails several peers on the available 1-year, 3-year and 5-year figures. The difference is not dramatic in every case, but the peer set generally shows slightly stronger compounding on the numbers available here.<\/p>\n<p><strong>What is the minimum SIP amount?<\/strong><br \/>The minimum SIP amount is \u20b9500.<\/p>\n<p><strong>What are the fund\u2019s risk profile, holdings mix and exit load?<\/strong><br \/>It is classified as Low Risk. The portfolio is led by certificates of deposit, corporate debt and cash equivalents, and the fund has no exit load. The fund is managed by Piyush Baranwal.<\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Bottom_line\"><\/span>Bottom line<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>This fund\u2019s recent performance is steady rather than flashy, and its longer-term return path supports that same reading. It has stayed ahead of the benchmark across the listed periods, but several peers show a slightly stronger return profile on the available numbers. The Low Risk label and the CD-heavy portfolio point to a conservative debt strategy, while the cash and corporate debt mix may help keep behaviour measured. Our view is that it suits investors who want short-duration debt exposure with a preference for consistency over higher, less predictable returns.<\/p>\n<p class=\"univest-posted-at\" style=\"font-size:14px;color:#666;margin:20px 0 8px\">Published on 16 September 2026 at 1:05 PM IST<\/p>\n<section class=\"univest-login-cta\" style=\"margin:28px 0;padding:24px;border-radius:10px;background:#eef5ff;border:1px solid #cddff7;text-align:center\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Explore_mutual_funds_with_Univest\"><\/span>Explore mutual funds with Univest<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Review mutual fund data, compare performance and explore fund insights on Univest.<\/p>\n<p><a href=\"https:\/\/univest.in\/user\/log-in\" style=\"display:inline-block;padding:11px 20px;border-radius:6px;background:#1f4e79;color:#fff !important;text-decoration:none;font-weight:700\">Explore Univest<\/a><\/p>\n<\/section>\n<section class=\"univest-disclaimer\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"RIA_disclosure\"><\/span>RIA disclosure<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. This review is prepared by Uniapps Investment Adviser Pvt. Ltd. (earlier known as Uniapps Global Research Pvt. Ltd.) under SEBI Registered Investment Adviser registration INA000017639 for general informational purposes and is not personalized investment advice.<\/p>\n<\/section>\n<p><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"InvestmentFund\",\"name\":\"WOC Ultra Short Term Fund Direct Growth Plan\",\"identifier\":\"woc-ultra-short-term-fund-g-direct-plan\",\"category\":\"Debt\",\"dateCreated\":\"06 Jun 2019\",\"isAccessibleForFree\":true,\"additionalProperty\":[{\"@type\":\"PropertyValue\",\"name\":\"NAV\",\"value\":1519.6605,\"valueReference\":\"as of 15 Sep 2026\"},{\"@type\":\"PropertyValue\",\"name\":\"AUM\",\"value\":\"584 Cr\"},{\"@type\":\"PropertyValue\",\"name\":\"Expense Ratio\",\"value\":\"0.5\"},{\"@type\":\"PropertyValue\",\"name\":\"Benchmark\",\"value\":\"Nifty 50\"},{\"@type\":\"PropertyValue\",\"name\":\"1Y Return\",\"value\":6.44},{\"@type\":\"PropertyValue\",\"name\":\"3Y Return\",\"value\":7.02},{\"@type\":\"PropertyValue\",\"name\":\"5Y Return\",\"value\":6.3},{\"@type\":\"PropertyValue\",\"name\":\"Fund Managers\",\"value\":\"Piyush Baranwal\"}]}<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is the current NAV of WOC Ultra Short Term Fund Direct Growth Plan?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The NAV is \u20b91,519.6605 as of 15 Sep 2026.\"}},{\"@type\":\"Question\",\"name\":\"What are the fund\u2019s 1-year, 3-year and 5-year returns?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The fund\u2019s 1-year, 3-year and 5-year returns are 6.44%, 7.02% and 6.3%.\"}},{\"@type\":\"Question\",\"name\":\"How has the fund performed against its benchmark?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It has stayed ahead of the benchmark across the listed 1M, 3M, 1Y, 3Y and 5Y periods. The gap is especially wide over 1 year, while the longer periods still show a clear lead.\"}},{\"@type\":\"Question\",\"name\":\"How does it compare with peer funds on available returns?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It trails several peers on the available 1-year, 3-year and 5-year figures. The difference is not dramatic in every case, but the peer set generally shows slightly stronger compounding on the numbers available here.\"}},{\"@type\":\"Question\",\"name\":\"What is the minimum SIP amount?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The minimum SIP amount is \u20b9500.\"}},{\"@type\":\"Question\",\"name\":\"What are the fund\u2019s risk profile, holdings mix and exit load?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It is classified as Low Risk. The portfolio is led by certificates of deposit, corporate debt and cash equivalents, and the fund has no exit load. The fund is managed by Piyush Baranwal.\"}}]}<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"Organization\",\"name\":\"Uniapps Investment Adviser Pvt. Ltd.\",\"description\":\"SEBI Registered Investment Adviser INA000017639\"}<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>WOC Ultra Short Term Fund Direct Growth Plan has a \u20b91,519.6605 NAV as of 15 Sep 2026, \u20b9584 Cr AUM, Low Risk profile and 1Y\/3Y\/5Y returns of 6.44%\/7.02%\/6.3%.<\/p>\n","protected":false},"author":38,"featured_media":249256,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3841],"tags":[],"class_list":["post-249257","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mutual-funds"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["249256"],"rank_math_title":["WOC Ultra Short Term Fund Review 2026 | NAV &amp; Returns"],"rank_math_description":["WOC Ultra Short Term Fund Direct Growth Plan NAV is \u20b91,519.6605 as of 15 Sep 2026; 1Y return is 6.44% and 3Y return is 7.02%."],"rank_math_focus_keyword":["WOC Ultra Short Term Fund Direct Growth Plan review"],"rank_math_robots":["a:2:{i:0;s:7:\"noindex\";i:1;s:8:\"nofollow\";}"]},"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/univest.in\/blogs-2\/wp-content\/uploads\/2026\/09\/WOC_Ultra_Short_Term_Fund_Direct_Growth_Review_2026_NAV_Returns_Portfolio_Should_You_Invest_neutral.png","_links":{"self":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/249257","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/users\/38"}],"replies":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/comments?post=249257"}],"version-history":[{"count":0,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/249257\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media\/249256"}],"wp:attachment":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media?parent=249257"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/categories?post=249257"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/tags?post=249257"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}