+91-22-48913909Top 8 Best Debt Funds by UTI Mutual Fund 2025
UTI Mutual Fund’s debt funds are one of the best ways to earn optimal returns. The fund aims to generate accrual Income by Investing predominantly in money market instruments.
You can choose funds from a host of schemes like Liquid Funds, ultra short term funds, short term funds, Gilt Funds, etc. Debt fund schemes like liquid, ultra short and short term funds are a great way to plan your short to mid term Financial goals. Investors planning to invest can choose funds from the below-listed top 8 Best Debt Funds by UTI Mutual Fund. These funds have been shortlisted by undertaking certain parameters like AUM, NAV, past performances, average maturity, duration, etc.
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Best UTI Debt Mutual Funds
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2024 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity UTI Banking & PSU Debt Fund Growth ₹22.1644
↓ 0.00 ₹810 1.2 4.7 8.3 7.1 7.6 6.47% 1Y 9M 11D 2Y 11D UTI Dynamic Bond Fund Growth ₹30.9082
↓ -0.01 ₹482 -0.9 3.3 6.6 6.9 8.6 6.85% 6Y 11M 12D 13Y 9M 14D UTI Short Term Income Fund Growth ₹32.0141
↓ 0.00 ₹3,296 1 4.4 8.2 7.4 7.9 6.75% 2Y 6M 29D 3Y 3M 4D UTI Treasury Advantage Fund Growth ₹3,586.67
↑ 0.29 ₹3,211 1.6 4.2 8.1 7.4 7.7 6.55% 10M 13D 12M UTI Money Market Fund Growth ₹3,119.31
↑ 0.53 ₹20,554 1.7 4.2 8 7.6 7.7 6.16% 6M 20D 6M 20D UTI Ultra Short Term Fund Growth ₹4,278.03
↑ 0.58 ₹4,337 1.6 3.6 7.2 6.8 7.2 6.42% 5M 19D 6M 10D UTI Bond Fund Growth ₹73.1121
↓ -0.04 ₹330 -1.3 3.1 6.5 6.9 8.5 6.99% 6Y 2M 1D 9Y 4M 17D UTI Gilt Fund Growth ₹62.1473
↓ -0.02 ₹615 -2.4 2.3 5 6.9 8.9 6.86% 9Y 22D 20Y 8M 26D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 22 Aug 25 Research Highlights & Commentary of 8 Funds showcased
Commentary UTI Banking & PSU Debt Fund UTI Dynamic Bond Fund UTI Short Term Income Fund UTI Treasury Advantage Fund UTI Money Market Fund UTI Ultra Short Term Fund UTI Bond Fund UTI Gilt Fund Point 1 Lower mid AUM (₹810 Cr). Bottom quartile AUM (₹482 Cr). Upper mid AUM (₹3,296 Cr). Upper mid AUM (₹3,211 Cr). Highest AUM (₹20,554 Cr). Top quartile AUM (₹4,337 Cr). Bottom quartile AUM (₹330 Cr). Lower mid AUM (₹615 Cr). Point 2 Established history (11+ yrs). Established history (15+ yrs). Established history (17+ yrs). Established history (18+ yrs). Established history (16+ yrs). Established history (22+ yrs). Oldest track record among peers (27 yrs). Established history (23+ yrs). Point 3 Top rated. Rating: 5★ (top quartile). Rating: 4★ (upper mid). Rating: 4★ (upper mid). Rating: 4★ (lower mid). Rating: 4★ (lower mid). Rating: 4★ (bottom quartile). Rating: 4★ (bottom quartile). Point 4 Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderately Low. Risk profile: Low. Risk profile: Moderately Low. Risk profile: Moderate. Risk profile: Moderate. Point 5 1Y return: 8.29% (top quartile). 1Y return: 6.58% (lower mid). 1Y return: 8.19% (top quartile). 1Y return: 8.08% (upper mid). 1Y return: 7.98% (upper mid). 1Y return: 7.18% (lower mid). 1Y return: 6.45% (bottom quartile). 1Y return: 5.00% (bottom quartile). Point 6 1M return: 0.20% (upper mid). 1M return: -1.14% (bottom quartile). 1M return: 0.08% (lower mid). 1M return: 0.41% (upper mid). 1M return: 0.47% (top quartile). 1M return: 0.43% (top quartile). 1M return: -1.02% (lower mid). 1M return: -2.10% (bottom quartile). Point 7 Sharpe: 1.86 (upper mid). Sharpe: 0.74 (lower mid). Sharpe: 1.77 (lower mid). Sharpe: 2.95 (top quartile). Sharpe: 3.26 (top quartile). Sharpe: 2.14 (upper mid). Sharpe: 0.58 (bottom quartile). Sharpe: 0.31 (bottom quartile). Point 8 Information ratio: 0.00 (top quartile). Information ratio: 0.00 (top quartile). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (bottom quartile). Information ratio: 0.00 (bottom quartile). Point 9 Yield to maturity (debt): 6.47% (lower mid). Yield to maturity (debt): 6.85% (upper mid). Yield to maturity (debt): 6.75% (upper mid). Yield to maturity (debt): 6.55% (lower mid). Yield to maturity (debt): 6.16% (bottom quartile). Yield to maturity (debt): 6.42% (bottom quartile). Yield to maturity (debt): 6.99% (top quartile). Yield to maturity (debt): 6.86% (top quartile). Point 10 Modified duration: 1.78 yrs (upper mid). Modified duration: 6.95 yrs (bottom quartile). Modified duration: 2.58 yrs (lower mid). Modified duration: 0.87 yrs (upper mid). Modified duration: 0.56 yrs (top quartile). Modified duration: 0.47 yrs (top quartile). Modified duration: 6.17 yrs (lower mid). Modified duration: 9.06 yrs (bottom quartile). UTI Banking & PSU Debt Fund
UTI Dynamic Bond Fund
UTI Short Term Income Fund
UTI Treasury Advantage Fund
UTI Money Market Fund
UTI Ultra Short Term Fund
UTI Bond Fund
UTI Gilt Fund
The investment objective of the scheme is to generate steady and reasonable income, with low risk and high level of liquidity from a portfolio of predominantly debt & money market securities by Banks and Public Sector Undertakings (PSUs). Below is the key information for UTI Banking & PSU Debt Fund Returns up to 1 year are on The investment objective of the scheme is to generate optimal returns with adequate liquidity through active management of the portfolio, by investing in debt and money market instruments. However, there can be no assurance that the investment objective of the scheme will be realized. Research Highlights for UTI Dynamic Bond Fund Below is the key information for UTI Dynamic Bond Fund Returns up to 1 year are on To generate steady and reasonable income with low risk and high level of liquidity from a portfolio of money market securities and high quality debt. Research Highlights for UTI Short Term Income Fund Below is the key information for UTI Short Term Income Fund Returns up to 1 year are on The scheme will endeavour to generate an attractive return for its investors consistent with capital preservation and liquidity by investing in a portfolio of quality debt securities, money market instruments and structured obligations. Research Highlights for UTI Treasury Advantage Fund Below is the key information for UTI Treasury Advantage Fund Returns up to 1 year are on To provide highest possible current income consistent with preservation of capital and providing liquidity from investing in a diversified portfolio of short term money market securities. Research Highlights for UTI Money Market Fund Below is the key information for UTI Money Market Fund Returns up to 1 year are on (Erstwhile UTI - Floating Rate Fund - Short Term Plan) To generate regular income through investment in a portfolio comprising substantially of floating rate debt / money market instruments, fixed rate debt / money market instruments swapped for floating rate returns. The Scheme may also invest a portion of its net assets in fixed rate debt securities and 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. Research Highlights for UTI Ultra Short Term Fund Below is the key information for UTI Ultra Short Term Fund Returns up to 1 year are on (Erstwhile UTI - Bond Fund) The Scheme will retain the flexibility to invest in the entire range of debt and money market instruments. The flexibility is being retained to adjust the portfolio in response to a change in the risk to return equation for asset classes under investment, with a view to maintain risks within manageable limits. Research Highlights for UTI Bond Fund Below is the key information for UTI Bond Fund Returns up to 1 year are on (Erstwhile UTI Gilt Advantage Fund- LTP) To generate credit risk-free return through investment in sovereign securities issued by the Central Government and / or a State Government and / or any security unconditionally guaranteed by the Central Government and / or a State Government for repayment of principal and interest. However there can be no assurance that the investment objective of the Scheme will be achieved. Research Highlights for UTI Gilt Fund Below is the key information for UTI Gilt Fund Returns up to 1 year are on 1. UTI Banking & PSU Debt Fund
UTI Banking & PSU Debt Fund
Growth Launch Date 3 Feb 14 NAV (22 Aug 25) ₹22.1644 ↓ 0.00 (-0.01 %) Net Assets (Cr) ₹810 on 31 Jul 25 Category Debt - Banking & PSU Debt AMC UTI Asset Management Company Ltd Rating ☆☆☆☆☆ Risk Moderate Expense Ratio 0.54 Sharpe Ratio 1.86 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.47% Effective Maturity 2 Years 11 Days Modified Duration 1 Year 9 Months 11 Days Sub Cat. Banking & PSU Debt Growth of 10,000 investment over the years.
Date Value 31 Jul 20 ₹10,000 31 Jul 21 ₹10,349 31 Jul 22 ₹11,315 31 Jul 23 ₹12,023 31 Jul 24 ₹12,884 31 Jul 25 ₹13,997 Returns for UTI Banking & PSU Debt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Aug 25 Duration Returns 1 Month 0.2% 3 Month 1.2% 6 Month 4.7% 1 Year 8.3% 3 Year 7.1% 5 Year 7.1% 10 Year 15 Year Since launch 7.1% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.6% 2023 6.7% 2022 10.3% 2021 2.8% 2020 8.9% 2019 -1% 2018 6.8% 2017 6.4% 2016 11.7% 2015 8.6% Fund Manager information for UTI Banking & PSU Debt Fund
Name Since Tenure Anurag Mittal 1 Dec 21 3.67 Yr. Data below for UTI Banking & PSU Debt Fund as on 31 Jul 25
Asset Allocation
Asset Class Value Cash 4.47% Debt 95.2% Other 0.33% Debt Sector Allocation
Sector Value Corporate 55.2% Government 40.01% Cash Equivalent 4.47% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.38% Govt Stock 2027
Sovereign Bonds | -11% ₹93 Cr 900,000,000 Axis Bank Limited
Debentures | -7% ₹56 Cr 550 Export Import Bank Of India
Debentures | -6% ₹51 Cr 5,000 Small Industries Development Bank Of India
Debentures | -6% ₹51 Cr 5,000 Power Finance Corporation Limited
Debentures | -5% ₹41 Cr 400 Rural Electrification Corporation Limited
Debentures | -4% ₹36 Cr 3,500 National Housing Bank
Debentures | -4% ₹36 Cr 3,500 HDFC Bank Limited
Debentures | -4% ₹36 Cr 350 Indian Railway Finance Corporation Limited
Debentures | -4% ₹31 Cr 300 National Bank For Agriculture And Rural Development
Debentures | -4% ₹31 Cr 3,000 2. UTI Dynamic Bond Fund
UTI Dynamic Bond Fund
Growth Launch Date 16 Jun 10 NAV (22 Aug 25) ₹30.9082 ↓ -0.01 (-0.04 %) Net Assets (Cr) ₹482 on 31 Jul 25 Category Debt - Dynamic Bond AMC UTI Asset Management Company Ltd Rating ☆☆☆☆☆ Risk Moderate Expense Ratio 1.54 Sharpe Ratio 0.74 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.85% Effective Maturity 13 Years 9 Months 14 Days Modified Duration 6 Years 11 Months 12 Days Sub Cat. Dynamic Bond Growth of 10,000 investment over the years.
Date Value 31 Jul 20 ₹10,000 31 Jul 21 ₹10,150 31 Jul 22 ₹12,039 31 Jul 23 ₹12,801 31 Jul 24 ₹13,753 31 Jul 25 ₹14,905 Returns for UTI Dynamic Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Aug 25 Duration Returns 1 Month -1.1% 3 Month -0.9% 6 Month 3.3% 1 Year 6.6% 3 Year 6.9% 5 Year 8.4% 10 Year 15 Year Since launch 7.7% Historical performance (Yearly) on absolute basis
Year Returns 2024 8.6% 2023 6.2% 2022 10.1% 2021 10.8% 2020 5.9% 2019 -3.9% 2018 5.2% 2017 4.2% 2016 14.9% 2015 6.9% Fund Manager information for UTI Dynamic Bond Fund
Name Since Tenure Pankaj Pathak 8 Apr 25 0.31 Yr. Data below for UTI Dynamic Bond Fund as on 31 Jul 25
Asset Allocation
Asset Class Value Cash 4% Debt 95.69% Other 0.3% Debt Sector Allocation
Sector Value Government 65.57% Corporate 30.13% Cash Equivalent 4% Credit Quality
Rating Value AA 1.12% AAA 98.88% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.34% Govt Stock 2064
Sovereign Bonds | -30% ₹140 Cr 1,350,000,000
↑ 250,000,000 National Bank For Agriculture And Rural Development
Debentures | -9% ₹41 Cr 4,000 6.92% Govt Stock 2039
Sovereign Bonds | -7% ₹31 Cr 300,000,000 Power Finance Corporation Limited
Debentures | -5% ₹26 Cr 2,500 6.79% Govt Stock 2034
Sovereign Bonds | -5% ₹26 Cr 250,000,000 Small Industries Development Bank Of India
Debentures | -5% ₹26 Cr 2,500
↑ 2,500 LIC Housing Finance Ltd
Debentures | -5% ₹25 Cr 2,500 Indian Railway Finance Corporation Limited
Debentures | -5% ₹25 Cr 2,500 Bajaj Finance Limited
Debentures | -5% ₹25 Cr 2,500 Ntpc Limited
Debentures | -5% ₹25 Cr 2,500 3. UTI Short Term Income Fund
UTI Short Term Income Fund
Growth Launch Date 19 Sep 07 NAV (22 Aug 25) ₹32.0141 ↓ 0.00 (-0.01 %) Net Assets (Cr) ₹3,296 on 31 Jul 25 Category Debt - Short term Bond AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 0.85 Sharpe Ratio 1.77 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.75% Effective Maturity 3 Years 3 Months 4 Days Modified Duration 2 Years 6 Months 29 Days Sub Cat. Short term Bond Growth of 10,000 investment over the years.
Date Value 31 Jul 20 ₹10,000 31 Jul 21 ₹10,463 31 Jul 22 ₹11,250 31 Jul 23 ₹12,012 31 Jul 24 ₹12,897 31 Jul 25 ₹14,013 Returns for UTI Short Term Income Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Aug 25 Duration Returns 1 Month 0.1% 3 Month 1% 6 Month 4.4% 1 Year 8.2% 3 Year 7.4% 5 Year 7% 10 Year 15 Year Since launch 6.7% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.9% 2023 6.9% 2022 3.8% 2021 8.4% 2020 10.5% 2019 -3.9% 2018 6% 2017 6.1% 2016 10.1% 2015 8.3% Fund Manager information for UTI Short Term Income Fund
Name Since Tenure Anurag Mittal 8 Apr 25 0.31 Yr. Sudhir Agarwal 25 Oct 12 12.77 Yr. Data below for UTI Short Term Income Fund as on 31 Jul 25
Asset Allocation
Asset Class Value Cash 10.01% Debt 89.77% Other 0.22% Debt Sector Allocation
Sector Value Corporate 65.05% Government 28.97% Cash Equivalent 5.77% Credit Quality
Rating Value AA 9.59% AAA 90.41% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.79% Govt Stock 2034
Sovereign Bonds | -9% ₹314 Cr 3,050,000,000 National Housing Bank
Debentures | -5% ₹179 Cr 17,500 Small Industries Development Bank Of India
Debentures | -5% ₹179 Cr 17,500 LIC Housing Finance Ltd
Debentures | -5% ₹179 Cr 1,750 Power Finance Corporation Limited
Debentures | -5% ₹178 Cr 17,500 National Bank For Agriculture And Rural Development
Debentures | -4% ₹143 Cr 14,000
↑ 5,000 Axis Bank Ltd.
Debentures | -4% ₹142 Cr 1,500,000,000 National Bank For Agriculture And Rural Development
Debentures | -4% ₹127 Cr 12,500 Export Import Bank Of India
Debentures | -4% ₹127 Cr 12,500 Mankind Pharma Limited
Debentures | -3% ₹102 Cr 10,000 4. UTI Treasury Advantage Fund
UTI Treasury Advantage Fund
Growth Launch Date 23 Apr 07 NAV (22 Aug 25) ₹3,586.67 ↑ 0.29 (0.01 %) Net Assets (Cr) ₹3,211 on 31 Jul 25 Category Debt - Low Duration AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 0.45 Sharpe Ratio 2.95 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.55% Effective Maturity 12 Months Modified Duration 10 Months 13 Days Sub Cat. Low Duration Growth of 10,000 investment over the years.
Date Value 31 Jul 20 ₹10,000 31 Jul 21 ₹10,429 31 Jul 22 ₹11,341 31 Jul 23 ₹12,102 31 Jul 24 ₹12,979 31 Jul 25 ₹14,047 Returns for UTI Treasury Advantage Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Aug 25 Duration Returns 1 Month 0.4% 3 Month 1.6% 6 Month 4.2% 1 Year 8.1% 3 Year 7.4% 5 Year 7.1% 10 Year 15 Year Since launch 7.2% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.7% 2023 7.1% 2022 4.5% 2021 9% 2020 7.3% 2019 -4.2% 2018 7.3% 2017 7% 2016 8.9% 2015 8.8% Fund Manager information for UTI Treasury Advantage Fund
Name Since Tenure Anurag Mittal 1 Dec 21 3.67 Yr. Data below for UTI Treasury Advantage Fund as on 31 Jul 25
Asset Allocation
Asset Class Value Cash 33.9% Debt 65.81% Other 0.29% Debt Sector Allocation
Sector Value Corporate 64.58% Cash Equivalent 24.66% Government 10.47% Credit Quality
Rating Value AA 17.82% AAA 82.18% Top Securities Holdings / Portfolio
Name Holding Value Quantity Power Finance Corporation Limited
Debentures | -5% ₹149 Cr 1,500 182 Days Tbill
Sovereign Bonds | -5% ₹149 Cr 1,500,000,000
↓ -1,500,000,000 Bajaj Housing Finance Limited
Debentures | -4% ₹126 Cr 1,250 National Bank For Agriculture And Rural Development
Debentures | -3% ₹102 Cr 10,000 Rec Limited
Debentures | -3% ₹102 Cr 10,000 National Bank For Agriculture And Rural Development
Debentures | -3% ₹101 Cr 10,000 Sikka Ports & Terminals Limited
Debentures | -3% ₹100 Cr 1,000
↑ 500 Shriram Finance Limited
Debentures | -3% ₹91 Cr 9,000 Nirma Limited
Debentures | -2% ₹76 Cr 7,500 Kotak Mahindra Bank Ltd.
Debentures | -2% ₹73 Cr 750,000,000
↑ 750,000,000 5. UTI Money Market Fund
UTI Money Market Fund
Growth Launch Date 13 Jul 09 NAV (22 Aug 25) ₹3,119.31 ↑ 0.53 (0.02 %) Net Assets (Cr) ₹20,554 on 31 Jul 25 Category Debt - Money Market AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Low Expense Ratio 0.25 Sharpe Ratio 3.26 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.16% Effective Maturity 6 Months 20 Days Modified Duration 6 Months 20 Days Sub Cat. Money Market Growth of 10,000 investment over the years.
Date Value 31 Jul 20 ₹10,000 31 Jul 21 ₹10,397 31 Jul 22 ₹10,798 31 Jul 23 ₹11,563 31 Jul 24 ₹12,437 31 Jul 25 ₹13,442 Returns for UTI Money Market Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Aug 25 Duration Returns 1 Month 0.5% 3 Month 1.7% 6 Month 4.2% 1 Year 8% 3 Year 7.6% 5 Year 6.1% 10 Year 15 Year Since launch 7.3% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.7% 2023 7.4% 2022 4.9% 2021 3.7% 2020 6% 2019 8% 2018 7.8% 2017 6.7% 2016 7.7% 2015 8.4% Fund Manager information for UTI Money Market Fund
Name Since Tenure Anurag Mittal 1 Dec 21 3.67 Yr. Amit Sharma 7 Jul 17 8.07 Yr. Data below for UTI Money Market Fund as on 31 Jul 25
Asset Allocation
Asset Class Value Cash 79.43% Debt 20.35% Other 0.21% Debt Sector Allocation
Sector Value Corporate 50.43% Cash Equivalent 27.13% Government 22.23% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 364 Days Tbill (Md 05/03/2026)
Sovereign Bonds | -2% ₹483 Cr 5,000,000,000 364 DTB 19mar2026
Sovereign Bonds | -2% ₹482 Cr 5,000,000,000 India (Republic of)
- | -2% ₹464 Cr 4,750,000,000 HDFC Bank Ltd.
Debentures | -2% ₹401 Cr 4,250,000,000
↓ -750,000,000 Axis Bank Ltd.
Debentures | -1% ₹285 Cr 3,000,000,000
↑ 3,000,000,000 364 Days Tbill Red 12-03-2026
Sovereign Bonds | -1% ₹241 Cr 2,500,000,000 Gs CG 12/12/2025 - (Strips) Tb
Sovereign Bonds | -1% ₹221 Cr 2,255,700,000
↑ 2,255,700,000 364 DTB 12022026
Sovereign Bonds | -1% ₹194 Cr 2,000,000,000 364 DTB 27022026
Sovereign Bonds | -1% ₹193 Cr 2,000,000,000 HDFC Bank Ltd.
Debentures | -1% ₹192 Cr 2,000,000,000
↑ 2,000,000,000 6. UTI Ultra Short Term Fund
UTI Ultra Short Term Fund
Growth Launch Date 29 Aug 03 NAV (22 Aug 25) ₹4,278.03 ↑ 0.58 (0.01 %) Net Assets (Cr) ₹4,337 on 31 Jul 25 Category Debt - Ultrashort Bond AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 0.93 Sharpe Ratio 2.14 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.42% Effective Maturity 6 Months 10 Days Modified Duration 5 Months 19 Days Sub Cat. Ultrashort Bond Growth of 10,000 investment over the years.
Date Value 31 Jul 20 ₹10,000 31 Jul 21 ₹10,380 31 Jul 22 ₹11,011 31 Jul 23 ₹11,707 31 Jul 24 ₹12,523 31 Jul 25 ₹13,432 Returns for UTI Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Aug 25 Duration Returns 1 Month 0.4% 3 Month 1.6% 6 Month 3.6% 1 Year 7.2% 3 Year 6.8% 5 Year 6.1% 10 Year 15 Year Since launch 6.8% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.2% 2023 6.7% 2022 4.2% 2021 6.1% 2020 5.3% 2019 3.3% 2018 7% 2017 6.6% 2016 8.9% 2015 8.5% Fund Manager information for UTI Ultra Short Term Fund
Name Since Tenure Anurag Mittal 21 Jan 25 0.52 Yr. Data below for UTI Ultra Short Term Fund as on 31 Jul 25
Asset Allocation
Asset Class Value Cash 59.33% Debt 40.49% Other 0.18% Debt Sector Allocation
Sector Value Corporate 62.55% Cash Equivalent 29.89% Government 7.38% Credit Quality
Rating Value AA 12.82% AAA 87.18% Top Securities Holdings / Portfolio
Name Holding Value Quantity Small Industries Development Bank Of India
Debentures | -4% ₹181 Cr 1,800 Titan Company Limited
Debentures | -3% ₹151 Cr 15,000 Bajaj Housing Finance Limited
Debentures | -2% ₹101 Cr 1,000 LIC Housing Finance Ltd
Debentures | -2% ₹101 Cr 1,000 182 Days Tbill
Sovereign Bonds | -2% ₹99 Cr 1,000,000,000
↓ -500,000,000 India (Republic of)
- | -2% ₹99 Cr 1,000,000,000 Shriram Finance Limited
Debentures | -2% ₹81 Cr 8,000 Indian Bank
Domestic Bonds | -2% ₹72 Cr 750,000,000 Indian Bank
Domestic Bonds | -2% ₹72 Cr 750,000,000 LIC Housing Finance Ltd
Debentures | -1% ₹51 Cr 500
↑ 500 7. UTI Bond Fund
UTI Bond Fund
Growth Launch Date 4 May 98 NAV (22 Aug 25) ₹73.1121 ↓ -0.04 (-0.05 %) Net Assets (Cr) ₹330 on 31 Jul 25 Category Debt - Medium to Long term AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.62 Sharpe Ratio 0.58 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.99% Effective Maturity 9 Years 4 Months 17 Days Modified Duration 6 Years 2 Months 1 Day Sub Cat. Medium to Long term Growth of 10,000 investment over the years.
Date Value 31 Jul 20 ₹10,000 31 Jul 21 ₹10,193 31 Jul 22 ₹11,865 31 Jul 23 ₹12,715 31 Jul 24 ₹13,613 31 Jul 25 ₹14,719 Returns for UTI Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Aug 25 Duration Returns 1 Month -1% 3 Month -1.3% 6 Month 3.1% 1 Year 6.5% 3 Year 6.9% 5 Year 8.1% 10 Year 15 Year Since launch 7.6% Historical performance (Yearly) on absolute basis
Year Returns 2024 8.5% 2023 6.4% 2022 9.9% 2021 9.4% 2020 1.1% 2019 -5.8% 2018 4% 2017 3.6% 2016 13.9% 2015 6.3% Fund Manager information for UTI Bond Fund
Name Since Tenure Sunil Patil 17 Apr 23 2.29 Yr. Data below for UTI Bond Fund as on 31 Jul 25
Asset Allocation
Asset Class Value Cash 3.24% Debt 96.5% Other 0.27% Debt Sector Allocation
Sector Value Government 63.41% Corporate 33.09% Cash Equivalent 3.24% Credit Quality
Rating Value AA 11.25% AAA 88.75% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.92% Govt Stock 2039
Sovereign Bonds | -37% ₹122 Cr 1,190,000,000 6.79% Govt Stock 2034
Sovereign Bonds | -8% ₹26 Cr 250,000,000 LIC Housing Finance Ltd
Debentures | -8% ₹26 Cr 250 Indian Railway Finance Corporation Limited
Debentures | -8% ₹25 Cr 2,500 7.08% A P Sgl Mat - 26/03/2037
Sovereign Bonds | -8% ₹25 Cr 250,000,000 Hdb Financial Services Limited
Debentures | -8% ₹25 Cr 250 Aditya Birla Renewables Limited
Debentures | -5% ₹15 Cr 1,500 Cholamandalam Investment And Finance Company Limited
Debentures | -5% ₹15 Cr 1,500 INDIA UNIVERSAL TRUST AL1
Unlisted bonds | -4% ₹14 Cr 15 Bajaj Finance Limited
Debentures | -2% ₹7 Cr 700 8. UTI Gilt Fund
UTI Gilt Fund
Growth Launch Date 21 Jan 02 NAV (22 Aug 25) ₹62.1473 ↓ -0.02 (-0.03 %) Net Assets (Cr) ₹615 on 31 Jul 25 Category Debt - Government Bond AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 0.92 Sharpe Ratio 0.31 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.86% Effective Maturity 20 Years 8 Months 26 Days Modified Duration 9 Years 22 Days Sub Cat. Government Bond Growth of 10,000 investment over the years.
Date Value 31 Jul 20 ₹10,000 31 Jul 21 ₹10,180 31 Jul 22 ₹10,339 31 Jul 23 ₹11,091 31 Jul 24 ₹12,006 31 Jul 25 ₹12,929 Returns for UTI Gilt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Aug 25 Duration Returns 1 Month -2.1% 3 Month -2.4% 6 Month 2.3% 1 Year 5% 3 Year 6.9% 5 Year 5.3% 10 Year 15 Year Since launch 8.1% Historical performance (Yearly) on absolute basis
Year Returns 2024 8.9% 2023 6.7% 2022 2.9% 2021 2.3% 2020 10.3% 2019 11.8% 2018 6.3% 2017 4.3% 2016 15.5% 2015 6.1% Fund Manager information for UTI Gilt Fund
Name Since Tenure Pankaj Pathak 8 Apr 25 0.31 Yr. Data below for UTI Gilt Fund as on 31 Jul 25
Asset Allocation
Asset Class Value Cash 3.41% Debt 96.59% Debt Sector Allocation
Sector Value Government 96.59% Cash Equivalent 3.41% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.34% Govt Stock 2064
Sovereign Bonds | -39% ₹260 Cr 2,500,000,000
↑ 350,000,000 6.79% Govt Stock 2034
Sovereign Bonds | -36% ₹237 Cr 2,300,000,000 7.3% Govt Stock 2053
Sovereign Bonds | -7% ₹47 Cr 450,000,000 7.34% Sdl ASsam - 05/03/2035
Sovereign Bonds | -5% ₹31 Cr 300,000,000 07.32% Chattisgarh Sdl
Sovereign Bonds | -5% ₹31 Cr 300,000,000 7.46% Govt Stock 2073
Sovereign Bonds | -4% ₹26 Cr 250,000,000
↓ -50,000,000 6.9% Govt Stock 2065
Sovereign Bonds | -1% ₹5 Cr 50,000,000
↑ 50,000,000 Net Current Assets
Net Current Assets | -3% ₹21 Cr Clearing Corporation Of India Ltd. Std - Margin
CBLO/Reverse Repo | -0% ₹1 Cr 00 7.09% Govt Stock 2054
Sovereign Bonds | -₹0 Cr 00
↓ -250,000,000
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Research Highlights for UTI Banking & PSU Debt Fund