+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 ₹22.5638
↓ 0.00 ₹812 1.4 2.7 7.9 7.3 7.6 6.46% 1Y 5M 5D 1Y 7M 20D UTI Dynamic Bond Fund Growth ₹31.4249
↓ -0.01 ₹457 1.1 1.3 6.1 6.9 8.6 6.76% 3Y 5M 19D 4Y 7M 2D UTI Treasury Advantage Fund Growth ₹3,657.48
↓ -0.22 ₹3,184 1.5 3.1 7.6 7.4 7.7 6.68% 9M 29D 1Y 22D UTI Money Market Fund Growth ₹3,180.66
↑ 0.39 ₹22,198 1.5 3.1 7.5 7.6 7.7 6.19% 4M 12D 4M 12D UTI Short Term Income Fund Growth ₹32.5204
↓ 0.00 ₹3,374 1.1 2.3 7.3 7.3 7.9 6.84% 2Y 9M 18D 3Y 6M 18D UTI Ultra Short Term Fund Growth ₹4,355.4
↑ 0.32 ₹4,788 1.4 2.8 6.7 6.9 7.2 6.53% 5M 9D 6M 2D UTI Bond Fund Growth ₹74.0127
↑ 0.05 ₹313 0.5 0.8 5.3 6.7 8.5 7.26% 6Y 3M 22D 10Y 7M 2D UTI Gilt Fund Growth ₹63.2443
↓ -0.01 ₹561 0.9 0.8 5 6.8 8.9 6.53% 4Y 9M 25D 6Y 9M 7D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 23 Dec 25 Research Highlights & Commentary of 8 Funds showcased
Commentary UTI Banking & PSU Debt Fund UTI Dynamic Bond Fund UTI Treasury Advantage Fund UTI Money Market Fund UTI Short Term Income Fund UTI Ultra Short Term Fund UTI Bond Fund UTI Gilt Fund Point 1 Lower mid AUM (₹812 Cr). Bottom quartile AUM (₹457 Cr). Upper mid AUM (₹3,184 Cr). Highest AUM (₹22,198 Cr). Upper mid AUM (₹3,374 Cr). Top quartile AUM (₹4,788 Cr). Bottom quartile AUM (₹313 Cr). Lower mid AUM (₹561 Cr). Point 2 Established history (11+ yrs). Established history (15+ yrs). Established history (18+ yrs). Established history (16+ yrs). Established history (18+ 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: Moderately Low. Risk profile: Low. Risk profile: Moderate. Risk profile: Moderately Low. Risk profile: Moderate. Risk profile: Moderate. Point 5 1Y return: 7.86% (top quartile). 1Y return: 6.10% (lower mid). 1Y return: 7.61% (top quartile). 1Y return: 7.53% (upper mid). 1Y return: 7.30% (upper mid). 1Y return: 6.69% (lower mid). 1Y return: 5.30% (bottom quartile). 1Y return: 5.04% (bottom quartile). Point 6 1M return: 0.24% (upper mid). 1M return: 0.03% (lower mid). 1M return: 0.35% (upper mid). 1M return: 0.46% (top quartile). 1M return: 0.04% (lower mid). 1M return: 0.40% (top quartile). 1M return: -0.41% (bottom quartile). 1M return: -0.04% (bottom quartile). Point 7 Sharpe: 1.66 (upper mid). Sharpe: 0.12 (lower mid). Sharpe: 2.81 (top quartile). Sharpe: 3.06 (top quartile). Sharpe: 1.25 (lower mid). Sharpe: 1.99 (upper mid). Sharpe: -0.02 (bottom quartile). Sharpe: -0.15 (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): 6.46% (bottom quartile). Yield to maturity (debt): 6.76% (upper mid). Yield to maturity (debt): 6.68% (upper mid). Yield to maturity (debt): 6.19% (bottom quartile). Yield to maturity (debt): 6.84% (top quartile). Yield to maturity (debt): 6.53% (lower mid). Yield to maturity (debt): 7.26% (top quartile). Yield to maturity (debt): 6.53% (lower mid). Point 10 Modified duration: 1.43 yrs (upper mid). Modified duration: 3.47 yrs (lower mid). Modified duration: 0.83 yrs (upper mid). Modified duration: 0.37 yrs (top quartile). Modified duration: 2.80 yrs (lower mid). Modified duration: 0.44 yrs (top quartile). Modified duration: 6.31 yrs (bottom quartile). Modified duration: 4.82 yrs (bottom quartile). UTI Banking & PSU Debt Fund
UTI Dynamic Bond Fund
UTI Treasury Advantage Fund
UTI Money Market Fund
UTI Short Term Income 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 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 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 (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 (23 Dec 25) ₹22.5638 ↓ 0.00 (-0.02 %) Net Assets (Cr) ₹812 on 30 Nov 25 Category Debt - Banking & PSU Debt AMC UTI Asset Management Company Ltd Rating ☆☆☆☆☆ Risk Moderate Expense Ratio 0.54 Sharpe Ratio 1.66 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.46% Effective Maturity 1 Year 7 Months 20 Days Modified Duration 1 Year 5 Months 5 Days Sub Cat. Banking & PSU Debt Growth of 10,000 investment over the years.
Date Value 30 Nov 20 ₹10,000 30 Nov 21 ₹10,279 30 Nov 22 ₹11,324 30 Nov 23 ₹12,024 30 Nov 24 ₹12,978 30 Nov 25 ₹14,023 Returns for UTI Banking & PSU Debt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Dec 25 Duration Returns 1 Month 0.2% 3 Month 1.4% 6 Month 2.7% 1 Year 7.9% 3 Year 7.3% 5 Year 7% 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 4 Yr. Data below for UTI Banking & PSU Debt Fund as on 30 Nov 25
Asset Allocation
Asset Class Value Cash 10.57% Debt 89.1% Other 0.33% Debt Sector Allocation
Sector Value Corporate 49.88% Government 39.22% Cash Equivalent 10.57% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.38% Govt Stock 2027
Sovereign Bonds | -11% ₹92 Cr 900,000,000 Axis Bank Limited
Debentures | -7% ₹55 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% ₹35 Cr 3,500 HDFC Bank Limited
Debentures | -4% ₹35 Cr 350 National Bank For Agriculture And Rural Development
Debentures | -4% ₹30 Cr 3,000 Indian Railway Finance Corporation Limited
Debentures | -4% ₹30 Cr 300 2. UTI Dynamic Bond Fund
UTI Dynamic Bond Fund
Growth Launch Date 16 Jun 10 NAV (23 Dec 25) ₹31.4249 ↓ -0.01 (-0.03 %) Net Assets (Cr) ₹457 on 30 Nov 25 Category Debt - Dynamic Bond AMC UTI Asset Management Company Ltd Rating ☆☆☆☆☆ Risk Moderate Expense Ratio 1.54 Sharpe Ratio 0.12 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.76% Effective Maturity 4 Years 7 Months 2 Days Modified Duration 3 Years 5 Months 19 Days Sub Cat. Dynamic Bond Growth of 10,000 investment over the years.
Date Value 30 Nov 20 ₹10,000 30 Nov 21 ₹11,118 30 Nov 22 ₹12,162 30 Nov 23 ₹12,849 30 Nov 24 ₹14,032 30 Nov 25 ₹14,942 Returns for UTI Dynamic Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Dec 25 Duration Returns 1 Month 0% 3 Month 1.1% 6 Month 1.3% 1 Year 6.1% 3 Year 6.9% 5 Year 8.3% 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 0.65 Yr. Data below for UTI Dynamic Bond Fund as on 30 Nov 25
Asset Allocation
Asset Class Value Cash 11.65% Debt 88.02% Other 0.33% Debt Sector Allocation
Sector Value Corporate 54.65% Government 33.37% Cash Equivalent 11.65% Credit Quality
Rating Value AA 10.31% AAA 89.69% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.02% Govt Stock 2031
Sovereign Bonds | -12% ₹51 Cr 500,000,000
↓ -250,000,000 LIC Housing Finance Ltd
Debentures | -6% ₹26 Cr 250 National Bank For Agriculture And Rural Development
Debentures | -6% ₹26 Cr 2,500 Power Finance Corporation Limited
Debentures | -6% ₹26 Cr 2,500 Bharti Telecom Limited
Debentures | -6% ₹26 Cr 2,500 Jamnagar Utilities & Power Private Limited
Debentures | -6% ₹25 Cr 2,500
↑ 2,500 Small Industries Development Bank Of India
Debentures | -6% ₹25 Cr 2,500 National Housing Bank
Debentures | -6% ₹25 Cr 2,500 Bajaj Finance Limited
Debentures | -6% ₹25 Cr 2,500 Can Fin Homes Limited
Debentures | -5% ₹20 Cr 2,000
↑ 2,000 3. UTI Treasury Advantage Fund
UTI Treasury Advantage Fund
Growth Launch Date 23 Apr 07 NAV (23 Dec 25) ₹3,657.48 ↓ -0.22 (-0.01 %) Net Assets (Cr) ₹3,184 on 30 Nov 25 Category Debt - Low Duration AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 0.45 Sharpe Ratio 2.81 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.68% Effective Maturity 1 Year 22 Days Modified Duration 9 Months 29 Days Sub Cat. Low Duration Growth of 10,000 investment over the years.
Date Value 30 Nov 20 ₹10,000 30 Nov 21 ₹10,898 30 Nov 22 ₹11,357 30 Nov 23 ₹12,158 30 Nov 24 ₹13,094 30 Nov 25 ₹14,106 Returns for UTI Treasury Advantage Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Dec 25 Duration Returns 1 Month 0.4% 3 Month 1.5% 6 Month 3.1% 1 Year 7.6% 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 4 Yr. Data below for UTI Treasury Advantage Fund as on 30 Nov 25
Asset Allocation
Asset Class Value Cash 22.11% Debt 77.59% Other 0.3% Debt Sector Allocation
Sector Value Corporate 67.99% Cash Equivalent 18.27% Government 13.44% Credit Quality
Rating Value AA 16.1% AAA 83.9% Top Securities Holdings / Portfolio
Name Holding Value Quantity National Bank For Agriculture And Rural Development
Debentures | -4% ₹126 Cr 12,500 Treasury Bills
Sovereign Bonds | -4% ₹124 Cr 1,250,000,000 India (Republic of)
- | -4% ₹123 Cr 1,250,000,000 Embassy Office Parks Reit
Debentures | -4% ₹120 Cr 1,200 Rec Limited
Debentures | -3% ₹101 Cr 10,000 Summit Digitel Infrastructure Limited
Debentures | -3% ₹100 Cr 1,000 Sikka Ports & Terminals Limited
Debentures | -3% ₹100 Cr 1,000 Jamnagar Utilities & Power Private Limited
Debentures | -3% ₹100 Cr 1,000 182 Days Tbill Red 29-01-2026
Sovereign Bonds | -3% ₹94 Cr 950,000,000 Embassy Office Parks Reit
Debentures | -3% ₹90 Cr 900 4. UTI Money Market Fund
UTI Money Market Fund
Growth Launch Date 13 Jul 09 NAV (23 Dec 25) ₹3,180.66 ↑ 0.39 (0.01 %) Net Assets (Cr) ₹22,198 on 30 Nov 25 Category Debt - Money Market AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Low Expense Ratio 0.25 Sharpe Ratio 3.06 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.19% Effective Maturity 4 Months 12 Days Modified Duration 4 Months 12 Days Sub Cat. Money Market Growth of 10,000 investment over the years.
Date Value 30 Nov 20 ₹10,000 30 Nov 21 ₹10,373 30 Nov 22 ₹10,853 30 Nov 23 ₹11,660 30 Nov 24 ₹12,559 30 Nov 25 ₹13,512 Returns for UTI Money Market Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Dec 25 Duration Returns 1 Month 0.5% 3 Month 1.5% 6 Month 3.1% 1 Year 7.5% 3 Year 7.6% 5 Year 6.2% 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 4 Yr. Amit Sharma 7 Jul 17 8.41 Yr. Data below for UTI Money Market Fund as on 30 Nov 25
Asset Allocation
Asset Class Value Cash 77.2% Debt 22.56% Other 0.24% Debt Sector Allocation
Sector Value Corporate 50.63% Cash Equivalent 32.86% Government 16.27% Credit Quality
Rating Value A 0.45% AAA 99.55% Top Securities Holdings / Portfolio
Name Holding Value Quantity Indusind Bank Ltd.
Debentures | -2% ₹533 Cr 5,500,000,000
↑ 5,500,000,000 364 Days Tbill (Md 05/03/2026)
Sovereign Bonds | -2% ₹493 Cr 5,000,000,000 364 DTB 19mar2026
Sovereign Bonds | -2% ₹492 Cr 5,000,000,000 Union Bank of India
Domestic Bonds | -2% ₹389 Cr 4,000,000,000
↑ 4,000,000,000 Kotak Mahindra Bank Ltd.
Debentures | -1% ₹286 Cr 3,000,000,000
↑ 3,000,000,000 Small Industries Development Bank of India
Debentures | -1% ₹284 Cr 3,000,000,000
↑ 3,000,000,000 364 Days Tbill Red 12-03-2026
Sovereign Bonds | -1% ₹246 Cr 2,500,000,000 India (Republic of)
- | -1% ₹246 Cr 2,500,000,000
↑ 2,500,000,000 IDFC First Bank Ltd.
Debentures | -1% ₹243 Cr 2,500,000,000
↑ 2,500,000,000 364 DTB 12022026
Sovereign Bonds | -1% ₹198 Cr 2,000,000,000 5. UTI Short Term Income Fund
UTI Short Term Income Fund
Growth Launch Date 19 Sep 07 NAV (23 Dec 25) ₹32.5204 ↓ 0.00 (-0.01 %) Net Assets (Cr) ₹3,374 on 30 Nov 25 Category Debt - Short term Bond AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 0.85 Sharpe Ratio 1.25 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.84% Effective Maturity 3 Years 6 Months 18 Days Modified Duration 2 Years 9 Months 18 Days Sub Cat. Short term Bond Growth of 10,000 investment over the years.
Date Value 30 Nov 20 ₹10,000 30 Nov 21 ₹10,858 30 Nov 22 ₹11,235 30 Nov 23 ₹11,977 30 Nov 24 ₹12,953 30 Nov 25 ₹13,955 Returns for UTI Short Term Income Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Dec 25 Duration Returns 1 Month 0% 3 Month 1.1% 6 Month 2.3% 1 Year 7.3% 3 Year 7.3% 5 Year 6.8% 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 Abhishek Sonthalia 10 Nov 25 0.06 Yr. Data below for UTI Short Term Income Fund as on 30 Nov 25
Asset Allocation
Asset Class Value Cash 9.98% Debt 89.75% Other 0.27% Debt Sector Allocation
Sector Value Corporate 67.44% Government 25.96% Cash Equivalent 6.33% Credit Quality
Rating Value AA 11% AAA 89% Top Securities Holdings / Portfolio
Name Holding Value Quantity National Housing Bank
Debentures | -5% ₹177 Cr 17,500 LIC Housing Finance Ltd
Debentures | -5% ₹177 Cr 1,750 Power Finance Corporation Limited
Debentures | -5% ₹177 Cr 17,500 6.79% Govt Stock 2034
Sovereign Bonds | -4% ₹146 Cr 1,450,000,000
↓ -1,600,000,000 Export Import Bank Of India
Debentures | -4% ₹126 Cr 12,500 Small Industries Development Bank Of India
Debentures | -3% ₹99 Cr 10,000
↑ 5,000 TATA Communications Limited
Debentures | -3% ₹99 Cr 10,000 6.48% Govt Stock 2035
Sovereign Bonds | -3% ₹99 Cr 1,000,000,000
↑ 1,000,000,000 Kotak Mahindra Prime Limited
Debentures | -2% ₹76 Cr 750 Export Import Bank Of India
Debentures | -2% ₹76 Cr 7,500 6. UTI Ultra Short Term Fund
UTI Ultra Short Term Fund
Growth Launch Date 29 Aug 03 NAV (23 Dec 25) ₹4,355.4 ↑ 0.32 (0.01 %) Net Assets (Cr) ₹4,788 on 30 Nov 25 Category Debt - Ultrashort Bond AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 0.93 Sharpe Ratio 1.99 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.53% Effective Maturity 6 Months 2 Days Modified Duration 5 Months 9 Days Sub Cat. Ultrashort Bond Growth of 10,000 investment over the years.
Date Value 30 Nov 20 ₹10,000 30 Nov 21 ₹10,620 30 Nov 22 ₹11,037 30 Nov 23 ₹11,780 30 Nov 24 ₹12,625 30 Nov 25 ₹13,481 Returns for UTI Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Dec 25 Duration Returns 1 Month 0.4% 3 Month 1.4% 6 Month 2.8% 1 Year 6.7% 3 Year 6.9% 5 Year 6.2% 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 Abhishek Sonthalia 10 Nov 25 0.06 Yr. Data below for UTI Ultra Short Term Fund as on 30 Nov 25
Asset Allocation
Asset Class Value Cash 54.9% Debt 44.83% Other 0.27% Debt Sector Allocation
Sector Value Corporate 56.81% Cash Equivalent 28.97% Government 13.95% Credit Quality
Rating Value AA 17.25% AAA 82.75% Top Securities Holdings / Portfolio
Name Holding Value Quantity National Bank For Agriculture And Rural Development
Debentures | -4% ₹201 Cr 20,000 India (Republic of)
- | -4% ₹196 Cr 2,000,000,000
↑ 2,000,000,000 Shriram Finance Limited
Debentures | -2% ₹101 Cr 10,000 TATA Communications Limited
Debentures | -2% ₹101 Cr 10,000 National Bank For Agriculture And Rural Development
Debentures | -2% ₹101 Cr 10,000 LIC Housing Finance Ltd
Debentures | -2% ₹100 Cr 1,000 DBS Bank India Ltd.
Debentures | -2% ₹99 Cr 1,000,000,000
↑ 1,000,000,000 Bajaj Housing Finance Limited
Debentures | -2% ₹75 Cr 750 Piramal Finance Limited
Debentures | -2% ₹75 Cr 7,500 Jamnagar Utilities & Power Private Limited
Debentures | -2% ₹75 Cr 750 7. UTI Bond Fund
UTI Bond Fund
Growth Launch Date 4 May 98 NAV (23 Dec 25) ₹74.0127 ↑ 0.05 (0.07 %) Net Assets (Cr) ₹313 on 30 Nov 25 Category Debt - Medium to Long term AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.62 Sharpe Ratio -0.02 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.26% Effective Maturity 10 Years 7 Months 2 Days Modified Duration 6 Years 3 Months 22 Days Sub Cat. Medium to Long term Growth of 10,000 investment over the years.
Date Value 30 Nov 20 ₹10,000 30 Nov 21 ₹10,993 30 Nov 22 ₹12,024 30 Nov 23 ₹12,696 30 Nov 24 ₹13,860 30 Nov 25 ₹14,701 Returns for UTI Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Dec 25 Duration Returns 1 Month -0.4% 3 Month 0.5% 6 Month 0.8% 1 Year 5.3% 3 Year 6.7% 5 Year 7.9% 10 Year 15 Year Since launch 7.5% 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 2.63 Yr. Amit Sharma 3 Nov 25 0.08 Yr. Data below for UTI Bond Fund as on 30 Nov 25
Asset Allocation
Asset Class Value Cash 7.01% Debt 92.69% Other 0.3% Debt Sector Allocation
Sector Value Government 57.12% Corporate 35.57% Cash Equivalent 7.01% Credit Quality
Rating Value AA 17.72% AAA 82.28% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.68% Govt Stock 2040
Sovereign Bonds | -28% ₹87 Cr 900,000,000 LIC Housing Finance Ltd
Debentures | -8% ₹25 Cr 250 Indian Railway Finance Corporation Limited
Debentures | -8% ₹25 Cr 2,500 7.24% Govt Stock 2055
Sovereign Bonds | -8% ₹25 Cr 250,000,000 7.08% A P Sgl Mat - 26/03/2037
Sovereign Bonds | -8% ₹24 Cr 250,000,000 SIDDHIVINAYAK SECURITISATION TRUST
Unlisted bonds | -6% ₹20 Cr 20 Muthoot Finance Limited
Debentures | -6% ₹18 Cr 1,800 Aditya Birla Renewables 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 (23 Dec 25) ₹63.2443 ↓ -0.01 (-0.01 %) Net Assets (Cr) ₹561 on 30 Nov 25 Category Debt - Government Bond AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 0.92 Sharpe Ratio -0.15 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.53% Effective Maturity 6 Years 9 Months 7 Days Modified Duration 4 Years 9 Months 25 Days Sub Cat. Government Bond Growth of 10,000 investment over the years.
Date Value 30 Nov 20 ₹10,000 30 Nov 21 ₹10,294 30 Nov 22 ₹10,515 30 Nov 23 ₹11,142 30 Nov 24 ₹12,217 30 Nov 25 ₹12,877 Returns for UTI Gilt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Dec 25 Duration Returns 1 Month 0% 3 Month 0.9% 6 Month 0.8% 1 Year 5% 3 Year 6.8% 5 Year 5.2% 10 Year 15 Year Since launch 8% 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 0.65 Yr. Data below for UTI Gilt Fund as on 30 Nov 25
Asset Allocation
Asset Class Value Cash 20.74% Debt 79.26% Debt Sector Allocation
Sector Value Government 79.26% Cash Equivalent 20.74% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.02% Govt Stock 2031
Sovereign Bonds | -32% ₹179 Cr 1,750,000,000
↓ -250,000,000 6.01% Govt Stock 2030
Sovereign Bonds | -18% ₹99 Cr 1,000,000,000
↑ 1,000,000,000 6.48% Govt Stock 2035
Sovereign Bonds | -9% ₹50 Cr 500,000,000
↑ 500,000,000 7.34% Sdl ASsam - 05/03/2035
Sovereign Bonds | -5% ₹30 Cr 300,000,000 07.32% Chattisgarh Sdl
Sovereign Bonds | -5% ₹30 Cr 300,000,000 6.79% Govt Stock 2034
Sovereign Bonds | -5% ₹25 Cr 250,000,000 7.3% Govt Stock 2053
Sovereign Bonds | -4% ₹20 Cr 200,000,000 Uttarakhand (Government of) 7.3%
- | -2% ₹9 Cr 85,730,000 Net Current Assets
Net Current Assets | -20% ₹114 Cr Clearing Corporation Of India Ltd. Std - Margin
CBLO/Reverse Repo | -0% ₹2 Cr 00
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Research Highlights for UTI Banking & PSU Debt Fund