+91-22-4891390910 Best UTI Mutual Fund Schemes for 2026
UTI Mutual Fund, India’s one of the leading financial institutions, has gained immense trust amongst investors. The AMC has bagged many awards for offering innovative and steady return yielding Mutual Funds since its inception.
To help investors maintain a systematic Asset Allocation plan, the AMC offers a well–diversified and a balanced investment Portfolio based on extensive market research. Investors can invest in an array of schemes like— equity, debt, balanced, Liquid Funds, etc.
You can plan your different goals such as wealth creation, Retirement planning, child’s higher education, tax savings, etc., by Investing in these schemes.
Why Invest in Best UTI Mutual Fund Schemes?
a. Safety
UTI Mutual Fund always strives for the safety of the investor’s money and for capital appreciation by investing it in a prudent manner.
b. Consistent Returns
UTI Mutual Fund always strives hard to deliver consistent returns to their investors so that they can attain their objectives.
c. Ease of Access
Investors can monitor and access their mutual fund account anytime and anywhere online. Also, the transaction and interaction process with the fund house is also hassle-free and very user-friendly.
d. Retirement planning
UTI schemes also help investors to plan for their future. It helps them in mapping out retirement plans and has some well-crafted schemes like UTI – Retirement Benefit Pension Fund Investment to help the investors.
e. Tax Benefits
The fund house offers a tax savings Mutual Fund through which people can plan for their taxes. Also, in other schemes, people can claim the tax benefits based on the scheme category.
Investors planning to invest can choose a fund from the below-listed top 10 best UTI Mutual Fund Schemes. These funds have been shortlisted by undertaking certain parameters like AUM, NAV, past performances, peer average returns, etc.
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Fund Selection Methodology used to find 10 funds
Best UTI Mutual Fund Schemes
Fund NAV Net Assets (Cr) Min Investment Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) Since launch (%) 2024 (%) UTI Banking & PSU Debt Fund Growth ₹22.585
↓ 0.00 ₹1,015 5,000 500 0.8 2.2 7.3 7.2 7 7 7.8 UTI Dynamic Bond Fund Growth ₹31.4256
↑ 0.01 ₹430 10,000 500 0.3 0.4 5.5 6.8 8.3 7.6 6 UTI Money Market Fund Growth ₹3,191.21
↑ 0.69 ₹19,301 10,000 500 1.3 2.8 7.2 7.5 6.3 7.3 7.5 UTI Treasury Advantage Fund Growth ₹3,665.62
↓ -0.15 ₹2,667 10,000 500 1.1 2.6 7.2 7.3 7.1 7.2 7.5 UTI Short Term Income Fund Growth ₹32.5409
↑ 0.00 ₹3,181 10,000 500 0.5 1.8 6.7 7.2 6.8 6.6 7.3 UTI Ultra Short Term Fund Growth ₹4,368.21
↑ 0.24 ₹3,655 5,000 500 1.2 2.6 6.4 6.8 6.2 6.8 6.6 UTI Regular Savings Fund Growth ₹69.7904
↓ -0.05 ₹1,703 5,000 500 -0.8 -0.1 5.6 9.2 8.6 9.2 6.1 UTI Bond Fund Growth ₹73.9706
↑ 0.04 ₹310 1,000 500 -0.3 0.1 4.7 6.5 7.9 7.5 5.6 UTI Gilt Fund Growth ₹63.447
↑ 0.07 ₹545 5,000 500 0.5 0 4.7 6.7 5.2 8 5.1 UTI Banking and Financial Services Fund Growth ₹195.073
↓ -1.61 ₹1,382 5,000 500 -0.8 1 20.3 15.4 14.2 14.6 16.3 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 21 Jan 26 Research Highlights & Commentary of 10 Funds showcased
Commentary UTI Banking & PSU Debt Fund UTI Dynamic Bond Fund UTI Money Market Fund UTI Treasury Advantage Fund UTI Short Term Income Fund UTI Ultra Short Term Fund UTI Regular Savings Fund UTI Bond Fund UTI Gilt Fund UTI Banking and Financial Services Fund Point 1 Lower mid AUM (₹1,015 Cr). Bottom quartile AUM (₹430 Cr). Highest AUM (₹19,301 Cr). Upper mid AUM (₹2,667 Cr). Upper mid AUM (₹3,181 Cr). Top quartile AUM (₹3,655 Cr). Upper mid AUM (₹1,703 Cr). Bottom quartile AUM (₹310 Cr). Bottom quartile AUM (₹545 Cr). Lower mid AUM (₹1,382 Cr). Point 2 Established history (11+ yrs). Established history (15+ yrs). Established history (16+ yrs). Established history (18+ yrs). Established history (18+ yrs). Established history (22+ yrs). Established history (22+ yrs). Oldest track record among peers (27 yrs). Established history (24+ yrs). Established history (21+ yrs). Point 3 Top rated. Rating: 5★ (top quartile). Rating: 4★ (upper mid). Rating: 4★ (upper mid). Rating: 4★ (upper mid). Rating: 4★ (lower mid). Rating: 4★ (lower mid). Rating: 4★ (bottom quartile). Rating: 4★ (bottom quartile). Rating: 3★ (bottom quartile). Point 4 Risk profile: Moderate. Risk profile: Moderate. Risk profile: Low. Risk profile: Moderately Low. Risk profile: Moderate. Risk profile: Moderately Low. Risk profile: Moderately High. Risk profile: Moderate. Risk profile: Moderate. Risk profile: High. Point 5 1Y return: 7.26% (top quartile). 1Y return: 5.49% (bottom quartile). 1Y return: 7.23% (upper mid). 1Y return: 7.17% (upper mid). 1Y return: 6.74% (upper mid). 1Y return: 6.40% (lower mid). 5Y return: 8.62% (top quartile). 1Y return: 4.75% (bottom quartile). 1Y return: 4.66% (bottom quartile). 5Y return: 14.18% (top quartile). Point 6 1M return: 0.08% (upper mid). 1M return: -0.06% (lower mid). 1M return: 0.39% (top quartile). 1M return: 0.25% (upper mid). 1M return: 0.01% (lower mid). 1M return: 0.35% (top quartile). 3Y return: 9.19% (top quartile). 1M return: -0.17% (bottom quartile). 1M return: 0.12% (upper mid). 3Y return: 15.41% (top quartile). Point 7 Sharpe: 1.48 (upper mid). Sharpe: 0.00 (bottom quartile). Sharpe: 3.02 (top quartile). Sharpe: 2.59 (top quartile). Sharpe: 0.96 (upper mid). Sharpe: 1.85 (upper mid). 1Y return: 5.59% (lower mid). Sharpe: -0.13 (bottom quartile). Sharpe: -0.20 (bottom quartile). 1Y return: 20.25% (top quartile). Point 8 Information ratio: 0.00 (top quartile). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (lower mid). 1M return: -0.82% (bottom quartile). Information ratio: 0.00 (bottom quartile). Information ratio: 0.00 (bottom quartile). Alpha: -2.74 (bottom quartile). Point 9 Yield to maturity (debt): 6.67% (lower mid). Yield to maturity (debt): 6.99% (upper mid). Yield to maturity (debt): 6.33% (bottom quartile). Yield to maturity (debt): 7.02% (upper mid). Yield to maturity (debt): 7.02% (upper mid). Yield to maturity (debt): 6.78% (lower mid). Alpha: 0.00 (lower mid). Yield to maturity (debt): 7.45% (top quartile). Yield to maturity (debt): 6.65% (bottom quartile). Sharpe: 0.75 (lower mid). Point 10 Modified duration: 1.28 yrs (upper mid). Modified duration: 3.35 yrs (lower mid). Modified duration: 0.35 yrs (top quartile). Modified duration: 0.92 yrs (upper mid). Modified duration: 2.51 yrs (lower mid). Modified duration: 0.47 yrs (upper mid). Sharpe: 0.02 (lower mid). Modified duration: 6.18 yrs (bottom quartile). Modified duration: 5.17 yrs (bottom quartile). Information ratio: 0.22 (top quartile). UTI Banking & PSU Debt Fund
UTI Dynamic Bond Fund
UTI Money Market Fund
UTI Treasury Advantage Fund
UTI Short Term Income Fund
UTI Ultra Short Term Fund
UTI Regular Savings Fund
UTI Bond Fund
UTI Gilt Fund
UTI Banking and Financial Services 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 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 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 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 MIS Advantage Plan) The investment objective of the Scheme is to generate regular income through investments in fixed income securities and capital appreciation / dividend income through investment of a portion of net assets of the scheme in equity and equity related instruments so as to endeavour to make periodic income distribution to Unit holders. Income may be generated through Coupon payments, amortization of discount on debt instruments, receipt of dividends or the purchase and sale of securities in the underlying portfolio. Under normal market conditions investment will be made in fixed income securities, money market instruments,cash and cash equivalents while at the same time maintaining a limited exposure to equity markets. The Scheme will endeavor to enhance overall returns through appropriate investments upto a maximum of 25% of Net Assets into equity and equity related instruments. Research Highlights for UTI Regular Savings Fund Below is the key information for UTI Regular Savings 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 (Erstwhile UTI Banking Sector Fund) Investment objective is "capital appreciation" through investments in the stocks of the companies/institutions engaged in the banking and financial services activities. Research Highlights for UTI Banking and Financial Services Fund Below is the key information for UTI Banking and Financial Services 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 (21 Jan 26) ₹22.585 ↓ 0.00 (-0.01 %) Net Assets (Cr) ₹1,015 on 31 Dec 25 Category Debt - Banking & PSU Debt AMC UTI Asset Management Company Ltd Rating ☆☆☆☆☆ Risk Moderate Expense Ratio 0.54 Sharpe Ratio 1.48 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.67% Effective Maturity 1 Year 5 Months 8 Days Modified Duration 1 Year 3 Months 11 Days Growth of 10,000 investment over the years.
Date Value 31 Dec 20 ₹10,000 31 Dec 21 ₹10,282 31 Dec 22 ₹11,342 31 Dec 23 ₹12,097 31 Dec 24 ₹13,021 31 Dec 25 ₹14,037 Returns for UTI Banking & PSU Debt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Jan 26 Duration Returns 1 Month 0.1% 3 Month 0.8% 6 Month 2.2% 1 Year 7.3% 3 Year 7.2% 5 Year 7% 10 Year 15 Year Since launch 7% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.8% 2023 7.6% 2022 6.7% 2021 10.3% 2020 2.8% 2019 8.9% 2018 -1% 2017 6.8% 2016 6.4% 2015 11.7% Fund Manager information for UTI Banking & PSU Debt Fund
Name Since Tenure Anurag Mittal 1 Dec 21 4.09 Yr. Data below for UTI Banking & PSU Debt Fund as on 31 Dec 25
Asset Allocation
Asset Class Value Cash 11.8% Debt 87.93% Other 0.27% Debt Sector Allocation
Sector Value Corporate 57.66% Government 31.19% Cash Equivalent 10.87% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.38% Govt Stock 2027
Sovereign Bonds | -9% ₹87 Cr 850,000,000
↓ -50,000,000 Kotak Mahindra Bank Ltd.
Debentures | -7% ₹71 Cr 750,000,000
↑ 750,000,000 Axis Bank Limited
Debentures | -5% ₹55 Cr 550 Export Import Bank Of India
Debentures | -5% ₹51 Cr 5,000 Small Industries Development Bank Of India
Debentures | -5% ₹51 Cr 5,000 Power Finance Corporation Limited
Debentures | -4% ₹41 Cr 400 Rural Electrification Corporation Limited
Debentures | -4% ₹36 Cr 3,500 National Housing Bank
Debentures | -3% ₹35 Cr 3,500 HDFC Bank Limited
Debentures | -3% ₹35 Cr 350 National Bank For Agriculture And Rural Development
Debentures | -3% ₹30 Cr 3,000 2. UTI Dynamic Bond Fund
UTI Dynamic Bond Fund
Growth Launch Date 16 Jun 10 NAV (21 Jan 26) ₹31.4256 ↑ 0.01 (0.04 %) Net Assets (Cr) ₹430 on 31 Dec 25 Category Debt - Dynamic Bond AMC UTI Asset Management Company Ltd Rating ☆☆☆☆☆ Risk Moderate Expense Ratio 1.54 Sharpe Ratio 0 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.99% Effective Maturity 4 Years 3 Months 7 Days Modified Duration 3 Years 4 Months 6 Days Growth of 10,000 investment over the years.
Date Value 31 Dec 20 ₹10,000 31 Dec 21 ₹11,080 31 Dec 22 ₹12,195 31 Dec 23 ₹12,951 31 Dec 24 ₹14,065 31 Dec 25 ₹14,914 Returns for UTI Dynamic Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Jan 26 Duration Returns 1 Month -0.1% 3 Month 0.3% 6 Month 0.4% 1 Year 5.5% 3 Year 6.8% 5 Year 8.3% 10 Year 15 Year Since launch 7.6% Historical performance (Yearly) on absolute basis
Year Returns 2024 6% 2023 8.6% 2022 6.2% 2021 10.1% 2020 10.8% 2019 5.9% 2018 -3.9% 2017 5.2% 2016 4.2% 2015 14.9% Fund Manager information for UTI Dynamic Bond Fund
Name Since Tenure Pankaj Pathak 8 Apr 25 0.73 Yr. Data below for UTI Dynamic Bond Fund as on 31 Dec 25
Asset Allocation
Asset Class Value Cash 5.48% Debt 94.18% Other 0.34% Debt Sector Allocation
Sector Value Corporate 54.36% Government 39.82% Cash Equivalent 5.48% Credit Quality
Rating Value AA 1.58% AAA 98.42% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.02% Govt Stock 2031
Sovereign Bonds | -18% ₹77 Cr 750,000,000
↑ 250,000,000 LIC Housing Finance Ltd
Debentures | -6% ₹26 Cr 250 Power Finance Corporation Limited
Debentures | -6% ₹26 Cr 2,500 National Bank For Agriculture And Rural Development
Debentures | -6% ₹26 Cr 2,500 Bharti Telecom Limited
Debentures | -6% ₹25 Cr 2,500 Jamnagar Utilities & Power Private Limited
Debentures | -6% ₹25 Cr 2,500 Small Industries Development Bank Of India
Debentures | -6% ₹25 Cr 2,500 National Housing Bank
Debentures | -6% ₹25 Cr 2,500 6.48% Govt Stock 2035
Sovereign Bonds | -5% ₹21 Cr 206,970,000
↑ 200,000,000 Can Fin Homes Limited
Debentures | -5% ₹20 Cr 2,000 3. UTI Money Market Fund
UTI Money Market Fund
Growth Launch Date 13 Jul 09 NAV (21 Jan 26) ₹3,191.21 ↑ 0.69 (0.02 %) Net Assets (Cr) ₹19,301 on 31 Dec 25 Category Debt - Money Market AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Low Expense Ratio 0.25 Sharpe Ratio 3.02 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.33% Effective Maturity 4 Months 6 Days Modified Duration 4 Months 6 Days Growth of 10,000 investment over the years.
Date Value 31 Dec 20 ₹10,000 31 Dec 21 ₹10,375 31 Dec 22 ₹10,885 31 Dec 23 ₹11,694 31 Dec 24 ₹12,599 31 Dec 25 ₹13,542 Returns for UTI Money Market Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Jan 26 Duration Returns 1 Month 0.4% 3 Month 1.3% 6 Month 2.8% 1 Year 7.2% 3 Year 7.5% 5 Year 6.3% 10 Year 15 Year Since launch 7.3% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.5% 2023 7.7% 2022 7.4% 2021 4.9% 2020 3.7% 2019 6% 2018 8% 2017 7.8% 2016 6.7% 2015 7.7% Fund Manager information for UTI Money Market Fund
Name Since Tenure Anurag Mittal 1 Dec 21 4.09 Yr. Amit Sharma 7 Jul 17 8.49 Yr. Data below for UTI Money Market Fund as on 31 Dec 25
Asset Allocation
Asset Class Value Cash 79.18% Debt 20.54% Other 0.28% Debt Sector Allocation
Sector Value Corporate 51.98% Cash Equivalent 31.85% Government 15.9% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Canara Bank
Domestic Bonds | -4% ₹682 Cr 7,000,000,000
↑ 5,000,000,000 Indusind Bank Ltd.
Debentures | -3% ₹536 Cr 5,500,000,000 364 DTB 19mar2026
Sovereign Bonds | -3% ₹495 Cr 5,000,000,000 India (Republic of)
- | -3% ₹488 Cr 5,000,000,000
↑ 5,000,000,000 Union Bank of India
Domestic Bonds | -2% ₹391 Cr 4,000,000,000 Tbill
Sovereign Bonds | -2% ₹343 Cr 3,500,000,000 Kotak Mahindra Bank Ltd.
Debentures | -1% ₹288 Cr 3,000,000,000 T-Bill
Sovereign Bonds | -1% ₹196 Cr 2,000,000,000 India (Republic of)
- | -1% ₹195 Cr 2,000,000,000
↑ 2,000,000,000 Indian Bank
Domestic Bonds | -1% ₹190 Cr 2,000,000,000 4. UTI Treasury Advantage Fund
UTI Treasury Advantage Fund
Growth Launch Date 23 Apr 07 NAV (21 Jan 26) ₹3,665.62 ↓ -0.15 (0.00 %) Net Assets (Cr) ₹2,667 on 31 Dec 25 Category Debt - Low Duration AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 0.45 Sharpe Ratio 2.59 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.02% Effective Maturity 1 Year 2 Months 1 Day Modified Duration 11 Months 1 Day Growth of 10,000 investment over the years.
Date Value 31 Dec 20 ₹10,000 31 Dec 21 ₹10,895 31 Dec 22 ₹11,384 31 Dec 23 ₹12,194 31 Dec 24 ₹13,133 31 Dec 25 ₹14,124 Returns for UTI Treasury Advantage Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Jan 26 Duration Returns 1 Month 0.3% 3 Month 1.1% 6 Month 2.6% 1 Year 7.2% 3 Year 7.3% 5 Year 7.1% 10 Year 15 Year Since launch 7.2% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.5% 2023 7.7% 2022 7.1% 2021 4.5% 2020 9% 2019 7.3% 2018 -4.2% 2017 7.3% 2016 7% 2015 8.9% Fund Manager information for UTI Treasury Advantage Fund
Name Since Tenure Anurag Mittal 1 Dec 21 4.09 Yr. Data below for UTI Treasury Advantage Fund as on 31 Dec 25
Asset Allocation
Asset Class Value Cash 7.63% Debt 92.01% Other 0.36% Debt Sector Allocation
Sector Value Corporate 76.98% Government 15.03% Cash Equivalent 7.63% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity National Bank For Agriculture And Rural Development
Debentures | -5% ₹126 Cr 12,500 India (Republic of)
- | -5% ₹123 Cr 1,250,000,000 Embassy Office Parks Reit
Debentures | -5% ₹120 Cr 1,200 Rec Limited
Debentures | -4% ₹101 Cr 10,000 Summit Digitel Infrastructure Limited
Debentures | -4% ₹100 Cr 1,000 Sikka Ports & Terminals Limited
Debentures | -4% ₹100 Cr 1,000 Jamnagar Utilities & Power Private Limited
Debentures | -4% ₹100 Cr 1,000 Embassy Office Parks Reit
Debentures | -3% ₹90 Cr 900 LIC Housing Finance Ltd
Debentures | -3% ₹76 Cr 750
↑ 500 Nirma Limited
Debentures | -3% ₹75 Cr 7,500 5. UTI Short Term Income Fund
UTI Short Term Income Fund
Growth Launch Date 19 Sep 07 NAV (21 Jan 26) ₹32.5409 ↑ 0.00 (0.00 %) Net Assets (Cr) ₹3,181 on 31 Dec 25 Category Debt - Short term Bond AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 0.85 Sharpe Ratio 0.96 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.02% Effective Maturity 3 Years 3 Months 18 Days Modified Duration 2 Years 6 Months 4 Days Growth of 10,000 investment over the years.
Date Value 31 Dec 20 ₹10,000 31 Dec 21 ₹10,838 31 Dec 22 ₹11,247 31 Dec 23 ₹12,026 31 Dec 24 ₹12,975 31 Dec 25 ₹13,928 Returns for UTI Short Term Income Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Jan 26 Duration Returns 1 Month 0% 3 Month 0.5% 6 Month 1.8% 1 Year 6.7% 3 Year 7.2% 5 Year 6.8% 10 Year 15 Year Since launch 6.6% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.3% 2023 7.9% 2022 6.9% 2021 3.8% 2020 8.4% 2019 10.5% 2018 -3.9% 2017 6% 2016 6.1% 2015 10.1% Fund Manager information for UTI Short Term Income Fund
Name Since Tenure Abhishek Sonthalia 10 Nov 25 0.14 Yr. Data below for UTI Short Term Income Fund as on 31 Dec 25
Asset Allocation
Asset Class Value Cash 2.16% Debt 97.56% Other 0.28% Debt Sector Allocation
Sector Value Corporate 74.02% Government 27.4% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity LIC Housing Finance Ltd
Debentures | -6% ₹178 Cr 1,750 National Housing Bank
Debentures | -6% ₹177 Cr 17,500 Power Finance Corporation Limited
Debentures | -6% ₹177 Cr 17,500 6.79% Govt Stock 2034
Sovereign Bonds | -5% ₹146 Cr 1,450,000,000 Export Import Bank Of India
Debentures | -4% ₹126 Cr 12,500 Small Industries Development Bank Of India
Debentures | -3% ₹99 Cr 10,000 TATA Communications Limited
Debentures | -3% ₹99 Cr 10,000 6.48% Govt Stock 2035
Sovereign Bonds | -3% ₹99 Cr 1,000,000,000 Union Bank of India
Domestic Bonds | -3% ₹98 Cr 1,000,000,000
↑ 1,000,000,000 HDFC Bank Ltd.
Debentures | -3% ₹94 Cr 1,000,000,000
↑ 1,000,000,000 6. UTI Ultra Short Term Fund
UTI Ultra Short Term Fund
Growth Launch Date 29 Aug 03 NAV (21 Jan 26) ₹4,368.21 ↑ 0.24 (0.01 %) Net Assets (Cr) ₹3,655 on 31 Dec 25 Category Debt - Ultrashort Bond AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 0.93 Sharpe Ratio 1.85 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.78% Effective Maturity 6 Months 24 Days Modified Duration 5 Months 21 Days Growth of 10,000 investment over the years.
Date Value 31 Dec 20 ₹10,000 31 Dec 21 ₹10,610 31 Dec 22 ₹11,058 31 Dec 23 ₹11,802 31 Dec 24 ₹12,653 31 Dec 25 ₹13,495 Returns for UTI Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Jan 26 Duration Returns 1 Month 0.3% 3 Month 1.2% 6 Month 2.6% 1 Year 6.4% 3 Year 6.8% 5 Year 6.2% 10 Year 15 Year Since launch 6.8% Historical performance (Yearly) on absolute basis
Year Returns 2024 6.6% 2023 7.2% 2022 6.7% 2021 4.2% 2020 6.1% 2019 5.3% 2018 3.3% 2017 7% 2016 6.6% 2015 8.9% Fund Manager information for UTI Ultra Short Term Fund
Name Since Tenure Abhishek Sonthalia 10 Nov 25 0.14 Yr. Data below for UTI Ultra Short Term Fund as on 31 Dec 25
Asset Allocation
Asset Class Value Cash 41.94% Debt 57.71% Other 0.35% Debt Sector Allocation
Sector Value Corporate 60.02% Government 22.37% Cash Equivalent 17.26% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity India (Republic of)
- | -8% ₹293 Cr 3,000,000,000
↑ 3,000,000,000 National Bank For Agriculture And Rural Development
Debentures | -5% ₹201 Cr 20,000 Tbill
Sovereign Bonds | -4% ₹148 Cr 1,500,000,000
↑ 1,500,000,000 Shriram Finance Limited
Debentures | -3% ₹101 Cr 10,000 TATA Communications Limited
Debentures | -3% ₹100 Cr 10,000 National Bank For Agriculture And Rural Development
Debentures | -3% ₹100 Cr 10,000 DBS Bank India Ltd.
Debentures | -3% ₹99 Cr 1,000,000,000 Piramal Finance Limited
Debentures | -2% ₹86 Cr 8,500
↑ 3,500 Piramal Finance Limited
Debentures | -2% ₹75 Cr 7,500 Jamnagar Utilities & Power Private Limited
Debentures | -2% ₹75 Cr 750 7. UTI Regular Savings Fund
UTI Regular Savings Fund
Growth Launch Date 16 Dec 03 NAV (21 Jan 26) ₹69.7904 ↓ -0.05 (-0.08 %) Net Assets (Cr) ₹1,703 on 31 Dec 25 Category Hybrid - Hybrid Debt AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Moderately High Expense Ratio 1.81 Sharpe Ratio 0.02 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Growth of 10,000 investment over the years.
Date Value 31 Dec 20 ₹10,000 31 Dec 21 ₹11,317 31 Dec 22 ₹11,692 31 Dec 23 ₹13,013 31 Dec 24 ₹14,524 31 Dec 25 ₹15,406 Returns for UTI Regular Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Jan 26 Duration Returns 1 Month -0.8% 3 Month -0.8% 6 Month -0.1% 1 Year 5.6% 3 Year 9.2% 5 Year 8.6% 10 Year 15 Year Since launch 9.2% Historical performance (Yearly) on absolute basis
Year Returns 2024 6.1% 2023 11.6% 2022 11.3% 2021 3.3% 2020 13.2% 2019 10.2% 2018 2.8% 2017 3.4% 2016 12.5% 2015 8.9% Fund Manager information for UTI Regular Savings Fund
Name Since Tenure Amit Premchandani 8 Jan 22 3.98 Yr. Jaydeep Bhowal 17 Apr 23 2.71 Yr. Data below for UTI Regular Savings Fund as on 31 Dec 25
Asset Allocation
Asset Class Value Cash 4.54% Equity 24.58% Debt 70.59% Other 0.29% Equity Sector Allocation
Sector Value Financial Services 8.71% Consumer Cyclical 3.41% Technology 2.5% Health Care 1.99% Communication Services 1.85% Industrials 1.63% Energy 1.41% Basic Materials 1.03% Consumer Defensive 0.8% Real Estate 0.64% Utility 0.61% Debt Sector Allocation
Sector Value Government 43.8% Corporate 26.79% Cash Equivalent 4.54% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.79% Govt Stock 2034
Sovereign Bonds | -5% ₹93 Cr 920,000,000 6.48% Govt Stock 2035
Sovereign Bonds | -5% ₹91 Cr 920,000,000 Indian Oil Corporation Limited
Debentures | -4% ₹76 Cr 7,500 National Bank For Agriculture And Rural Development
Debentures | -4% ₹76 Cr 7,500 6.01% Govt Stock 2030
Sovereign Bonds | -4% ₹74 Cr 750,000,000
↑ 750,000,000 HDFC Bank Limited
Debentures | -3% ₹52 Cr 5,000 HDFC Bank Limited
Debentures | -3% ₹51 Cr 5,000 LIC Housing Finance Ltd
Debentures | -3% ₹51 Cr 5,000 Small Industries Development Bank Of India
Debentures | -3% ₹51 Cr 5,000 SIDDHIVINAYAK SECURITISATION TRUST
Unlisted bonds | -3% ₹50 Cr 50 8. UTI Bond Fund
UTI Bond Fund
Growth Launch Date 4 May 98 NAV (21 Jan 26) ₹73.9706 ↑ 0.04 (0.06 %) Net Assets (Cr) ₹310 on 31 Dec 25 Category Debt - Medium to Long term AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.62 Sharpe Ratio -0.13 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.45% Effective Maturity 10 Years 4 Months 24 Days Modified Duration 6 Years 2 Months 5 Days Growth of 10,000 investment over the years.
Date Value 31 Dec 20 ₹10,000 31 Dec 21 ₹10,943 31 Dec 22 ₹12,025 31 Dec 23 ₹12,799 31 Dec 24 ₹13,881 31 Dec 25 ₹14,664 Returns for UTI Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Jan 26 Duration Returns 1 Month -0.2% 3 Month -0.3% 6 Month 0.1% 1 Year 4.7% 3 Year 6.5% 5 Year 7.9% 10 Year 15 Year Since launch 7.5% Historical performance (Yearly) on absolute basis
Year Returns 2024 5.6% 2023 8.5% 2022 6.4% 2021 9.9% 2020 9.4% 2019 1.1% 2018 -5.8% 2017 4% 2016 3.6% 2015 13.9% Fund Manager information for UTI Bond Fund
Name Since Tenure Sunil Patil 17 Apr 23 2.71 Yr. Amit Sharma 3 Nov 25 0.16 Yr. Data below for UTI Bond Fund as on 31 Dec 25
Asset Allocation
Asset Class Value Cash 2.32% Debt 97.38% Other 0.3% Debt Sector Allocation
Sector Value Government 57.12% Corporate 40.27% Cash Equivalent 2.32% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.68% Govt Stock 2040
Sovereign Bonds | -28% ₹87 Cr 899,990,000
↓ -10,000 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 Piramal Finance Limited
Debentures | -5% ₹15 Cr 1,500
↑ 1,500 INDIA UNIVERSAL TRUST AL1
Unlisted bonds | -4% ₹14 Cr 15 9. UTI Gilt Fund
UTI Gilt Fund
Growth Launch Date 21 Jan 02 NAV (21 Jan 26) ₹63.447 ↑ 0.07 (0.11 %) Net Assets (Cr) ₹545 on 31 Dec 25 Category Debt - Government Bond AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 0.92 Sharpe Ratio -0.2 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.65% Effective Maturity 7 Years 1 Month 2 Days Modified Duration 5 Years 2 Months 1 Day Growth of 10,000 investment over the years.
Date Value 31 Dec 20 ₹10,000 31 Dec 21 ₹10,227 31 Dec 22 ₹10,528 31 Dec 23 ₹11,231 31 Dec 24 ₹12,233 31 Dec 25 ₹12,851 Returns for UTI Gilt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Jan 26 Duration Returns 1 Month 0.1% 3 Month 0.5% 6 Month 0% 1 Year 4.7% 3 Year 6.7% 5 Year 5.2% 10 Year 15 Year Since launch 8% Historical performance (Yearly) on absolute basis
Year Returns 2024 5.1% 2023 8.9% 2022 6.7% 2021 2.9% 2020 2.3% 2019 10.3% 2018 11.8% 2017 6.3% 2016 4.3% 2015 15.5% Fund Manager information for UTI Gilt Fund
Name Since Tenure Pankaj Pathak 8 Apr 25 0.73 Yr. Data below for UTI Gilt Fund as on 31 Dec 25
Asset Allocation
Asset Class Value Cash 3.24% Debt 96.76% Debt Sector Allocation
Sector Value Government 96.76% Cash Equivalent 3.24% Credit Quality
Rating Value AA 17.7% AAA 82.3% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.02% Govt Stock 2031
Sovereign Bonds | -47% ₹256 Cr 2,500,000,000
↑ 750,000,000 6.01% Govt Stock 2030
Sovereign Bonds | -18% ₹99 Cr 1,000,000,000 6.48% Govt Stock 2035
Sovereign Bonds | -16% ₹89 Cr 900,000,000
↑ 400,000,000 7.34% Sdl ASsam - 05/03/2035
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 | -3% ₹16 Cr Clearing Corporation Of India Ltd. Std - Margin
CBLO/Reverse Repo | -0% ₹2 Cr 00 07.32% Chattisgarh Sdl
Sovereign Bonds | -₹0 Cr 00
↓ -300,000,000 10. UTI Banking and Financial Services Fund
UTI Banking and Financial Services Fund
Growth Launch Date 7 Apr 04 NAV (21 Jan 26) ₹195.073 ↓ -1.61 (-0.82 %) Net Assets (Cr) ₹1,382 on 31 Dec 25 Category Equity - Sectoral AMC UTI Asset Management Company Ltd Rating ☆☆☆ Risk High Expense Ratio 2.2 Sharpe Ratio 0.75 Information Ratio 0.22 Alpha Ratio -2.74 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Dec 20 ₹10,000 31 Dec 21 ₹11,427 31 Dec 22 ₹13,150 31 Dec 23 ₹15,720 31 Dec 24 ₹17,464 31 Dec 25 ₹20,313 Returns for UTI Banking and Financial Services Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Jan 26 Duration Returns 1 Month -0.7% 3 Month -0.8% 6 Month 1% 1 Year 20.3% 3 Year 15.4% 5 Year 14.2% 10 Year 15 Year Since launch 14.6% Historical performance (Yearly) on absolute basis
Year Returns 2024 16.3% 2023 11.1% 2022 19.5% 2021 15.1% 2020 14.3% 2019 -5.3% 2018 11.6% 2017 -6.8% 2016 43.5% 2015 13% Fund Manager information for UTI Banking and Financial Services Fund
Name Since Tenure Amit Premchandani 16 Jun 25 0.55 Yr. Bhavesh Kanani 12 Jan 26 0 Yr. Data below for UTI Banking and Financial Services Fund as on 31 Dec 25
Equity Sector Allocation
Sector Value Financial Services 97.19% Technology 1.04% Asset Allocation
Asset Class Value Cash 1.77% Equity 98.23% Top Securities Holdings / Portfolio
Name Holding Value Quantity ICICI Bank Ltd (Financial Services)
Equity, Since 30 Apr 04 | 53217418% ₹249 Cr 1,852,344 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Mar 09 | HDFCBANK16% ₹216 Cr 2,175,000 Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 30 Sep 18 | KOTAKBANK9% ₹121 Cr 550,000 Axis Bank Ltd (Financial Services)
Equity, Since 30 Jun 18 | 5322158% ₹117 Cr 925,000 State Bank of India (Financial Services)
Equity, Since 28 Feb 18 | SBIN6% ₹83 Cr 850,000 Bajaj Finance Ltd (Financial Services)
Equity, Since 30 Nov 19 | 5000346% ₹79 Cr 800,000 Shriram Finance Ltd (Financial Services)
Equity, Since 31 Jan 24 | SHRIRAMFIN4% ₹50 Cr 500,000 Karur Vysya Bank Ltd (Financial Services)
Equity, Since 31 Dec 18 | 5900033% ₹45 Cr 1,700,000 Max Financial Services Ltd (Financial Services)
Equity, Since 30 Sep 22 | 5002713% ₹40 Cr 240,000 Ujjivan Small Finance Bank Ltd Ordinary Shares (Financial Services)
Equity, Since 30 Apr 25 | UJJIVANSFB3% ₹35 Cr 6,534,317
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Research Highlights for UTI Banking & PSU Debt Fund