+91-22-4891390910 Best UTI Mutual Fund Schemes for 2025
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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Best UTI Mutual Fund Schemes
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 - 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 - 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 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 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 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 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 ₹22.1544
↑ 0.01 ₹805 5,000 500 2.1 4.7 8.5 7.3 7 7.2 7.6 UTI Dynamic Bond Fund Growth ₹31.1076
↓ -0.01 ₹473 10,000 500 0.7 4.1 7.8 7.3 8.3 7.8 8.6 UTI Short Term Income Fund Growth ₹32.0234
↑ 0.00 ₹3,281 10,000 500 1.9 4.5 8.5 7.6 7 6.7 7.9 UTI Treasury Advantage Fund Growth ₹3,580.14
↑ 0.64 ₹3,002 10,000 500 1.9 4.3 8.2 7.4 7 7.2 7.7 UTI Money Market Fund Growth ₹3,112.74
↑ 0.36 ₹18,354 10,000 500 1.9 4.2 8.1 7.6 6.1 7.3 7.7 UTI Bond Fund Growth ₹73.4558
↓ -0.06 ₹330 1,000 500 0.2 3.7 7.4 7.3 8 7.6 8.5 UTI Ultra Short Term Fund Growth ₹4,269.38
↑ 0.50 ₹4,551 5,000 500 1.7 3.7 7.2 6.8 6.1 6.8 7.2 UTI Gilt Fund Growth ₹62.8094
↓ -0.06 ₹639 5,000 500 -0.5 3.3 6.7 7.5 5.3 8.1 8.9 UTI Regular Savings Fund Growth ₹69.1281
↓ -0.18 ₹1,706 5,000 500 1.3 3.8 6.2 9.9 10.8 9.3 11.6 UTI Banking and Financial Services Fund Growth ₹185.838
↓ -0.53 ₹1,356 5,000 500 2.8 10.2 12.2 16.5 21.5 14.7 11.1 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 8 Aug 25 Research Highlights & Commentary of 10 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 Bond Fund UTI Ultra Short Term Fund UTI Gilt Fund UTI Regular Savings Fund UTI Banking and Financial Services Fund Point 1 Lower mid AUM (₹805 Cr). Bottom quartile AUM (₹473 Cr). Upper mid AUM (₹3,281 Cr). Upper mid AUM (₹3,002 Cr). Highest AUM (₹18,354 Cr). Bottom quartile AUM (₹330 Cr). Top quartile AUM (₹4,551 Cr). Bottom quartile AUM (₹639 Cr). Upper mid AUM (₹1,706 Cr). Lower mid AUM (₹1,356 Cr). Point 2 Established history (11+ yrs). Established history (15+ yrs). Established history (17+ yrs). Established history (18+ yrs). Established history (16+ yrs). Oldest track record among peers (27 yrs). Established history (21+ yrs). Established history (23+ yrs). Established history (21+ 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: Moderate. Risk profile: Moderately Low. Risk profile: Low. Risk profile: Moderate. Risk profile: Moderately Low. Risk profile: Moderate. Risk profile: Moderately High. Risk profile: High. Point 5 1Y return: 8.53% (top quartile). 1Y return: 7.76% (lower mid). 1Y return: 8.53% (upper mid). 1Y return: 8.18% (upper mid). 1Y return: 8.05% (upper mid). 1Y return: 7.38% (lower mid). 1Y return: 7.23% (bottom quartile). 1Y return: 6.69% (bottom quartile). 5Y return: 10.82% (top quartile). 5Y return: 21.48% (top quartile). Point 6 1M return: 0.38% (upper mid). 1M return: -0.10% (lower mid). 1M return: 0.32% (upper mid). 1M return: 0.45% (top quartile). 1M return: 0.47% (top quartile). 1M return: -0.31% (lower mid). 1M return: 0.44% (upper mid). 1M return: -0.31% (bottom quartile). 3Y return: 9.90% (top quartile). 3Y return: 16.53% (top quartile). Point 7 Sharpe: 2.05 (upper mid). Sharpe: 0.90 (lower mid). Sharpe: 1.89 (upper mid). Sharpe: 3.03 (top quartile). Sharpe: 3.32 (top quartile). Sharpe: 0.78 (lower mid). Sharpe: 2.18 (upper mid). Sharpe: 0.44 (bottom quartile). 1Y return: 6.19% (bottom quartile). 1Y return: 12.17% (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). Information ratio: 0.00 (bottom quartile). Information ratio: 0.00 (bottom quartile). 1M return: -1.12% (bottom quartile). Alpha: -2.61 (bottom quartile). Point 9 Yield to maturity (debt): 6.53% (lower mid). Yield to maturity (debt): 6.92% (top quartile). Yield to maturity (debt): 6.76% (upper mid). Yield to maturity (debt): 6.59% (lower mid). Yield to maturity (debt): 6.30% (bottom quartile). Yield to maturity (debt): 6.99% (top quartile). Yield to maturity (debt): 6.46% (bottom quartile). Yield to maturity (debt): 6.88% (upper mid). Alpha: 0.00 (bottom quartile). Sharpe: 0.65 (bottom quartile). Point 10 Modified duration: 1.86 yrs (upper mid). Modified duration: 7.20 yrs (bottom quartile). Modified duration: 2.60 yrs (lower mid). Modified duration: 0.91 yrs (upper mid). Modified duration: 0.62 yrs (upper mid). Modified duration: 6.22 yrs (bottom quartile). Modified duration: 0.45 yrs (top quartile). Modified duration: 9.80 yrs (bottom quartile). Sharpe: 0.40 (bottom quartile). Information ratio: 0.48 (top quartile). UTI Banking & PSU Debt Fund
UTI Dynamic Bond Fund
UTI Short Term Income Fund
UTI Treasury Advantage Fund
UTI Money Market Fund
UTI Bond Fund
UTI Ultra Short Term Fund
UTI Gilt Fund
UTI Regular Savings Fund
UTI Banking and Financial Services Fund
1. UTI Banking & PSU Debt Fund
UTI Banking & PSU Debt Fund
Growth Launch Date 3 Feb 14 NAV (08 Aug 25) ₹22.1544 ↑ 0.01 (0.03 %) Net Assets (Cr) ₹805 on 30 Jun 25 Category Debt - Banking & PSU Debt AMC UTI Asset Management Company Ltd Rating ☆☆☆☆☆ Risk Moderate Expense Ratio 0.55 Sharpe Ratio 2.05 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.53% Effective Maturity 2 Years 1 Month 13 Days Modified Duration 1 Year 10 Months 10 Days 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 8 Aug 25 Duration Returns 1 Month 0.4% 3 Month 2.1% 6 Month 4.7% 1 Year 8.5% 3 Year 7.3% 5 Year 7% 10 Year 15 Year Since launch 7.2% 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 30 Jun 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 (08 Aug 25) ₹31.1076 ↓ -0.01 (-0.03 %) Net Assets (Cr) ₹473 on 30 Jun 25 Category Debt - Dynamic Bond AMC UTI Asset Management Company Ltd Rating ☆☆☆☆☆ Risk Moderate Expense Ratio 1.54 Sharpe Ratio 0.9 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.92% Effective Maturity 15 Years 10 Months 6 Days Modified Duration 7 Years 2 Months 12 Days 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 8 Aug 25 Duration Returns 1 Month -0.1% 3 Month 0.7% 6 Month 4.1% 1 Year 7.8% 3 Year 7.3% 5 Year 8.3% 10 Year 15 Year Since launch 7.8% 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 30 Jun 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 (08 Aug 25) ₹32.0234 ↑ 0.00 (0.01 %) Net Assets (Cr) ₹3,281 on 30 Jun 25 Category Debt - Short term Bond AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 0.94 Sharpe Ratio 1.89 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.76% Effective Maturity 3 Years 3 Months 11 Days Modified Duration 2 Years 7 Months 6 Days 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 8 Aug 25 Duration Returns 1 Month 0.3% 3 Month 1.9% 6 Month 4.5% 1 Year 8.5% 3 Year 7.6% 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 30 Jun 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 (08 Aug 25) ₹3,580.14 ↑ 0.64 (0.02 %) Net Assets (Cr) ₹3,002 on 30 Jun 25 Category Debt - Low Duration AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 0.44 Sharpe Ratio 3.03 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.59% Effective Maturity 1 Year 7 Days Modified Duration 10 Months 28 Days 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 8 Aug 25 Duration Returns 1 Month 0.4% 3 Month 1.9% 6 Month 4.3% 1 Year 8.2% 3 Year 7.4% 5 Year 7% 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 30 Jun 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 (08 Aug 25) ₹3,112.74 ↑ 0.36 (0.01 %) Net Assets (Cr) ₹18,354 on 30 Jun 25 Category Debt - Money Market AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Low Expense Ratio 0.27 Sharpe Ratio 3.32 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.3% Effective Maturity 7 Months 13 Days Modified Duration 7 Months 13 Days 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 8 Aug 25 Duration Returns 1 Month 0.5% 3 Month 1.9% 6 Month 4.2% 1 Year 8.1% 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 30 Jun 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 Bond Fund
UTI Bond Fund
Growth Launch Date 4 May 98 NAV (08 Aug 25) ₹73.4558 ↓ -0.06 (-0.09 %) Net Assets (Cr) ₹330 on 30 Jun 25 Category Debt - Medium to Long term AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.62 Sharpe Ratio 0.78 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 5 Months 1 Day Modified Duration 6 Years 2 Months 19 Days 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 8 Aug 25 Duration Returns 1 Month -0.3% 3 Month 0.2% 6 Month 3.7% 1 Year 7.4% 3 Year 7.3% 5 Year 8% 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 30 Jun 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 7. UTI Ultra Short Term Fund
UTI Ultra Short Term Fund
Growth Launch Date 29 Aug 03 NAV (08 Aug 25) ₹4,269.38 ↑ 0.50 (0.01 %) Net Assets (Cr) ₹4,551 on 30 Jun 25 Category Debt - Ultrashort Bond AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 0.96 Sharpe Ratio 2.18 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.46% Effective Maturity 5 Months 19 Days Modified Duration 5 Months 12 Days 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 8 Aug 25 Duration Returns 1 Month 0.4% 3 Month 1.7% 6 Month 3.7% 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 30 Jun 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 8. UTI Gilt Fund
UTI Gilt Fund
Growth Launch Date 21 Jan 02 NAV (08 Aug 25) ₹62.8094 ↓ -0.06 (-0.09 %) Net Assets (Cr) ₹639 on 30 Jun 25 Category Debt - Government Bond AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 0.92 Sharpe Ratio 0.44 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.88% Effective Maturity 23 Years 9 Months 14 Days Modified Duration 9 Years 9 Months 18 Days 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 8 Aug 25 Duration Returns 1 Month -0.3% 3 Month -0.5% 6 Month 3.3% 1 Year 6.7% 3 Year 7.5% 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 30 Jun 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 9. UTI Regular Savings Fund
UTI Regular Savings Fund
Growth Launch Date 16 Dec 03 NAV (08 Aug 25) ₹69.1281 ↓ -0.18 (-0.25 %) Net Assets (Cr) ₹1,706 on 30 Jun 25 Category Hybrid - Hybrid Debt AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Moderately High Expense Ratio 1.81 Sharpe Ratio 0.4 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 Jul 20 ₹10,000 31 Jul 21 ₹11,789 31 Jul 22 ₹12,611 31 Jul 23 ₹13,780 31 Jul 24 ₹15,898 31 Jul 25 ₹16,898 Returns for UTI Regular Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 8 Aug 25 Duration Returns 1 Month -1.1% 3 Month 1.3% 6 Month 3.8% 1 Year 6.2% 3 Year 9.9% 5 Year 10.8% 10 Year 15 Year Since launch 9.3% Historical performance (Yearly) on absolute basis
Year Returns 2024 11.6% 2023 11.3% 2022 3.3% 2021 13.2% 2020 10.2% 2019 2.8% 2018 3.4% 2017 12.5% 2016 8.9% 2015 7.1% Fund Manager information for UTI Regular Savings Fund
Name Since Tenure Amit Premchandani 8 Jan 22 3.56 Yr. Jaydeep Bhowal 17 Apr 23 2.29 Yr. Data below for UTI Regular Savings Fund as on 30 Jun 25
Asset Allocation
Asset Class Value Cash 2.2% Equity 24.33% Debt 73.2% Other 0.27% Equity Sector Allocation
Sector Value Financial Services 8.23% Consumer Cyclical 3.42% Technology 2.64% Basic Materials 2.04% Health Care 1.91% Industrials 1.59% Communication Services 1.57% Energy 1.41% Utility 0.66% Consumer Defensive 0.53% Real Estate 0.33% Debt Sector Allocation
Sector Value Government 49.16% Corporate 24.04% Cash Equivalent 2.2% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.1% Govt Stock 2034
Sovereign Bonds | -15% ₹261 Cr 2,500,000,000 6.79% Govt Stock 2034
Sovereign Bonds | -12% ₹203 Cr 1,970,000,000
↑ 200,000,000 Power Finance Corporation Limited
Debentures | -5% ₹78 Cr 7,500 National Bank For Agriculture And Rural Development
Debentures | -4% ₹77 Cr 7,500
↑ 7,500 7.18% Govt Stock 2033
Sovereign Bonds | -4% ₹68 Cr 650,000,000 7.34% Govt Stock 2064
Sovereign Bonds | -4% ₹67 Cr 650,000,000
↑ 150,000,000 HDFC Bank Limited
Debentures | -3% ₹52 Cr 5,000 7.29% Westbengal Sgs Mat - 26/06/39
Sovereign Bonds | -3% ₹51 Cr 500,000,000 LIC Housing Finance Ltd
Debentures | -3% ₹51 Cr 500 West Bengal (Government of) 7.28%
- | -3% ₹51 Cr 500,000,000 10. UTI Banking and Financial Services Fund
UTI Banking and Financial Services Fund
Growth Launch Date 7 Apr 04 NAV (08 Aug 25) ₹185.838 ↓ -0.53 (-0.29 %) Net Assets (Cr) ₹1,356 on 30 Jun 25 Category Equity - Sectoral AMC UTI Asset Management Company Ltd Rating ☆☆☆ Risk High Expense Ratio 2.28 Sharpe Ratio 0.65 Information Ratio 0.48 Alpha Ratio -2.61 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 Jul 20 ₹10,000 31 Jul 21 ₹15,914 31 Jul 22 ₹16,679 31 Jul 23 ₹20,037 31 Jul 24 ₹24,689 31 Jul 25 ₹27,070 Returns for UTI Banking and Financial Services Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 8 Aug 25 Duration Returns 1 Month -3.7% 3 Month 2.8% 6 Month 10.2% 1 Year 12.2% 3 Year 16.5% 5 Year 21.5% 10 Year 15 Year Since launch 14.7% Historical performance (Yearly) on absolute basis
Year Returns 2024 11.1% 2023 19.5% 2022 15.1% 2021 14.3% 2020 -5.3% 2019 11.6% 2018 -6.8% 2017 43.5% 2016 13% 2015 -11.3% Fund Manager information for UTI Banking and Financial Services Fund
Name Since Tenure Amit Premchandani 16 Jun 25 0.12 Yr. Preethi S 2 May 22 3.25 Yr. Data below for UTI Banking and Financial Services Fund as on 30 Jun 25
Equity Sector Allocation
Sector Value Financial Services 97.36% Technology 0.58% Asset Allocation
Asset Class Value Cash 1.83% Equity 98.17% Top Securities Holdings / Portfolio
Name Holding Value Quantity ICICI Bank Ltd (Financial Services)
Equity, Since 30 Apr 04 | 53217420% ₹268 Cr 1,852,344 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Mar 09 | HDFCBANK15% ₹201 Cr 1,005,927 Axis Bank Ltd (Financial Services)
Equity, Since 30 Jun 18 | 5322157% ₹92 Cr 770,000
↑ 100,000 Bajaj Finance Ltd (Financial Services)
Equity, Since 30 Nov 19 | 5000346% ₹79 Cr 842,570
↑ 674,056 State Bank of India (Financial Services)
Equity, Since 28 Feb 18 | SBIN5% ₹62 Cr 750,000 Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 30 Sep 18 | KOTAKBANK4% ₹61 Cr 281,165
↑ 58,194 Shriram Finance Ltd (Financial Services)
Equity, Since 31 Jan 24 | SHRIRAMFIN4% ₹57 Cr 800,000
↓ -183,680 Karur Vysya Bank Ltd (Financial Services)
Equity, Since 31 Dec 18 | 5900034% ₹55 Cr 2,070,787 India Shelter Finance Corporation Ltd (Financial Services)
Equity, Since 31 Dec 23 | INDIASHLTR4% ₹55 Cr 625,913
↓ -34,101 Max Financial Services Ltd (Financial Services)
Equity, Since 30 Sep 22 | 5002714% ₹52 Cr 314,018
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Research Highlights for UTI Banking & PSU Debt Fund