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Top 10 Best UTI Mutual Fund Schemes 2025

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10 Best UTI Mutual Fund Schemes for 2025

Updated on June 5, 2025 , 15863 views

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.

UTI

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

FundNAVNet Assets (Cr)Min InvestmentMin SIP Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)Since launch (%)2024 (%)
UTI Dynamic Bond Fund Growth ₹31.2288
↓ -0.01
₹465 10,000 500 4.15.410.17.68.97.98.6
UTI Banking & PSU Debt Fund Growth ₹22.0272
↑ 0.07
₹792 5,000 500 3.85.49.67.87.37.27.6
UTI Regular Savings Fund Growth ₹69.5857
↑ 0.14
₹1,666 5,000 500 5.53.710.711.212.19.511.6
UTI Bond Fund Growth ₹73.9422
↓ -0.15
₹329 1,000 500 45.410.188.67.78.5
UTI Gilt Fund Growth ₹63.3718
↓ -0.35
₹742 5,000 500 45.29.88.15.78.28.9
UTI Short Term Income Fund Growth ₹31.861
↑ 0.07
₹2,791 10,000 500 3.75.29.67.77.46.87.9
UTI Treasury Advantage Fund Growth ₹3,547.48
↑ 7.32
₹3,271 10,000 500 2.94.58.67.47.27.27.7
UTI Money Market Fund Growth ₹3,081.27
↑ 4.43
₹17,804 10,000 500 2.74.48.47.56.17.37.7
UTI Ultra Short Term Fund Growth ₹4,228.62
↑ 5.11
₹4,131 5,000 500 2.23.87.56.86.16.87.2
UTI Banking and Financial Services Fund Growth ₹191.258
↑ 3.63
₹1,264 5,000 500 177.219.921.123.91511.1
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 6 Jun 25

1. UTI Dynamic Bond Fund

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.

UTI Dynamic Bond Fund is a Debt - Dynamic Bond fund was launched on 16 Jun 10. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.9% since its launch.  Ranked 3 in Dynamic Bond category.  Return for 2024 was 8.6% , 2023 was 6.2% and 2022 was 10.1% .

Below is the key information for UTI Dynamic Bond Fund

UTI Dynamic Bond Fund
Growth
Launch Date 16 Jun 10
NAV (06 Jun 25) ₹31.2288 ↓ -0.01   (-0.02 %)
Net Assets (Cr) ₹465 on 30 Apr 25
Category Debt - Dynamic Bond
AMC UTI Asset Management Company Ltd
Rating
Risk Moderate
Expense Ratio 1.54
Sharpe Ratio 1.65
Information Ratio 0
Alpha Ratio 0
Min Investment 10,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.61%
Effective Maturity 7 Years 9 Months
Modified Duration 5 Years 4 Months 6 Days

Growth of 10,000 investment over the years.

DateValue
31 May 20₹10,000
31 May 21₹10,375
31 May 22₹12,298
31 May 23₹13,033
31 May 24₹13,915
31 May 25₹15,299

UTI Dynamic Bond Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹206,148.
Net Profit of ₹26,148
Invest Now

Returns for UTI Dynamic Bond Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 6 Jun 25

DurationReturns
1 Month 0.9%
3 Month 4.1%
6 Month 5.4%
1 Year 10.1%
3 Year 7.6%
5 Year 8.9%
10 Year
15 Year
Since launch 7.9%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Pankaj Pathak8 Apr 250.15 Yr.

Data below for UTI Dynamic Bond Fund as on 30 Apr 25

Asset Allocation
Asset ClassValue
Cash14.23%
Debt85.48%
Other0.3%
Debt Sector Allocation
SectorValue
Government61.62%
Corporate23.86%
Cash Equivalent14.23%
Credit Quality
RatingValue
AA1.22%
AAA98.78%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.92% Govt Stock 2039
Sovereign Bonds | -
20%₹94 Cr900,000,000
6.79% Govt Stock 2034
Sovereign Bonds | -
16%₹78 Cr750,000,000
↓ -500,000,000
National Bank For Agriculture And Rural Development
Debentures | -
9%₹41 Cr4,000
Small Industries Development Bank Of India
Debentures | -
9%₹41 Cr4,000
Rec Limited
Debentures | -
9%₹41 Cr4,000
Power Finance Corporation Ltd.
Debentures | -
6%₹26 Cr2,500
7.17% Indian Railway Finance Corporation Limited**
Debentures | -
5%₹25 Cr2,500
↑ 2,500
Chhattisgarh (Government of) 7.32%
- | -
4%₹21 Cr200,000,000
Assam (Government of) 7.34%
- | -
4%₹21 Cr200,000,000
7.34% Govt Stock 2064
Sovereign Bonds | -
2%₹11 Cr100,000,000
↑ 100,000,000

2. UTI Banking & PSU Debt 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).

UTI Banking & PSU Debt Fund is a Debt - Banking & PSU Debt fund was launched on 3 Feb 14. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.2% since its launch.  Ranked 3 in Banking & PSU Debt category.  Return for 2024 was 7.6% , 2023 was 6.7% and 2022 was 10.3% .

Below is the key information for UTI Banking & PSU Debt Fund

UTI Banking & PSU Debt Fund
Growth
Launch Date 3 Feb 14
NAV (06 Jun 25) ₹22.0272 ↑ 0.07   (0.31 %)
Net Assets (Cr) ₹792 on 30 Apr 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 6.75%
Effective Maturity 2 Years 3 Months 25 Days
Modified Duration 2 Years 7 Days

Growth of 10,000 investment over the years.

DateValue
31 May 20₹10,000
31 May 21₹10,510
31 May 22₹11,376
31 May 23₹12,215
31 May 24₹12,975
31 May 25₹14,168

UTI Banking & PSU Debt Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹203,125.
Net Profit of ₹23,125
Invest Now

Returns for UTI Banking & PSU Debt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 6 Jun 25

DurationReturns
1 Month 1.4%
3 Month 3.8%
6 Month 5.4%
1 Year 9.6%
3 Year 7.8%
5 Year 7.3%
10 Year
15 Year
Since launch 7.2%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Anurag Mittal1 Dec 213.5 Yr.

Data below for UTI Banking & PSU Debt Fund as on 30 Apr 25

Asset Allocation
Asset ClassValue
Cash3.52%
Debt96.15%
Other0.33%
Debt Sector Allocation
SectorValue
Corporate52.89%
Government43.26%
Cash Equivalent3.52%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.38% Govt Stock 2027
Sovereign Bonds | -
12%₹93 Cr900,000,000
Axis Bank Limited
Debentures | -
7%₹56 Cr550
Export-Import Bank Of India
Debentures | -
6%₹51 Cr5,000
Small Industries Development Bank Of India
Debentures | -
6%₹51 Cr5,000
Power Finance Corporation Limited
Debentures | -
5%₹41 Cr400
Rural Electrification Corporation Limited
Debentures | -
5%₹36 Cr3,500
HDFC Bank Limited
Debentures | -
4%₹35 Cr350
Indian Railway Finance Corporation Limited
Debentures | -
4%₹31 Cr300
National Bank For Agriculture And Rural Development
Debentures | -
4%₹31 Cr3,000
National Bank For Agriculture And Rural Development
Debentures | -
3%₹26 Cr250

3. UTI Regular Savings Fund

(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.

UTI Regular Savings Fund is a Hybrid - Hybrid Debt fund was launched on 16 Dec 03. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 9.5% since its launch.  Ranked 10 in Hybrid Debt category.  Return for 2024 was 11.6% , 2023 was 11.3% and 2022 was 3.3% .

Below is the key information for UTI Regular Savings Fund

UTI Regular Savings Fund
Growth
Launch Date 16 Dec 03
NAV (06 Jun 25) ₹69.5857 ↑ 0.14   (0.20 %)
Net Assets (Cr) ₹1,666 on 30 Apr 25
Category Hybrid - Hybrid Debt
AMC UTI Asset Management Company Ltd
Rating
Risk Moderately High
Expense Ratio 1.81
Sharpe Ratio 0.82
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.

DateValue
31 May 20₹10,000
31 May 21₹12,173
31 May 22₹13,111
31 May 23₹14,250
31 May 24₹16,099
31 May 25₹17,861

UTI Regular Savings Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹415,684.
Net Profit of ₹115,684
Invest Now

Returns for UTI Regular Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 6 Jun 25

DurationReturns
1 Month 1.7%
3 Month 5.5%
6 Month 3.7%
1 Year 10.7%
3 Year 11.2%
5 Year 12.1%
10 Year
15 Year
Since launch 9.5%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Amit Premchandani8 Jan 223.4 Yr.
Jaydeep Bhowal17 Apr 232.12 Yr.

Data below for UTI Regular Savings Fund as on 30 Apr 25

Asset Allocation
Asset ClassValue
Cash2.23%
Equity23.81%
Debt73.69%
Other0.27%
Equity Sector Allocation
SectorValue
Financial Services8.33%
Consumer Cyclical3.21%
Technology2.5%
Health Care1.96%
Basic Materials1.84%
Communication Services1.55%
Energy1.45%
Industrials1.39%
Utility0.66%
Consumer Defensive0.57%
Real Estate0.36%
Debt Sector Allocation
SectorValue
Government44.28%
Corporate29.4%
Cash Equivalent2.23%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.1% Govt Stock 2034
Sovereign Bonds | -
16%₹262 Cr2,500,000,000
6.79% Govt Stock 2034
Sovereign Bonds | -
8%₹131 Cr1,270,000,000
↑ 20,000,000
7.18% Govt Stock 2033
Sovereign Bonds | -
5%₹79 Cr750,000,000
Rural Electrification Corporation Limited
Debentures | -
5%₹78 Cr7,500
Power Finance Corporation Ltd.
Debentures | -
5%₹78 Cr7,500
7.34% Govt Stock 2064
Sovereign Bonds | -
3%₹54 Cr500,000,000
West Bengal (Government of) 7.28%
- | -
3%₹52 Cr500,000,000
HDFC Bank Limited
Debentures | -
3%₹52 Cr5,000
7.29% West Bengal State Development Loans (12/03/2038)
Sovereign Bonds | -
3%₹52 Cr500,000,000
LIC Housing Finance Limited
Debentures | -
3%₹51 Cr500

4. UTI Bond Fund

(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.

UTI Bond Fund is a Debt - Medium to Long term fund was launched on 4 May 98. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.7% since its launch.  Ranked 11 in Medium to Long term category.  Return for 2024 was 8.5% , 2023 was 6.4% and 2022 was 9.9% .

Below is the key information for UTI Bond Fund

UTI Bond Fund
Growth
Launch Date 4 May 98
NAV (06 Jun 25) ₹73.9422 ↓ -0.15   (-0.20 %)
Net Assets (Cr) ₹329 on 30 Apr 25
Category Debt - Medium to Long term
AMC UTI Asset Management Company Ltd
Rating
Risk Moderate
Expense Ratio 1.62
Sharpe Ratio 1.8
Information Ratio 0
Alpha Ratio 0
Min Investment 1,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.92%
Effective Maturity 9 Years 9 Months 4 Days
Modified Duration 6 Years 4 Months 2 Days

Growth of 10,000 investment over the years.

DateValue
31 May 20₹10,000
31 May 21₹10,400
31 May 22₹12,044
31 May 23₹12,994
31 May 24₹13,730
31 May 25₹15,140

UTI Bond Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹206,148.
Net Profit of ₹26,148
Invest Now

Returns for UTI Bond Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 6 Jun 25

DurationReturns
1 Month 0.5%
3 Month 4%
6 Month 5.4%
1 Year 10.1%
3 Year 8%
5 Year 8.6%
10 Year
15 Year
Since launch 7.7%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Sunil Patil17 Apr 232.12 Yr.

Data below for UTI Bond Fund as on 30 Apr 25

Asset Allocation
Asset ClassValue
Cash5.45%
Debt94.29%
Other0.26%
Debt Sector Allocation
SectorValue
Government63.92%
Corporate30.37%
Cash Equivalent5.45%
Credit Quality
RatingValue
AA11.36%
AAA88.64%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.92% Govt Stock 2039
Sovereign Bonds | -
38%₹125 Cr1,190,000,000
6.79% Govt Stock 2034
Sovereign Bonds | -
8%₹26 Cr250,000,000
7.08% Andhra Pradesh State Development Loans (26/03/2037)
Sovereign Bonds | -
8%₹26 Cr250,000,000
LIC Housing Finance Limited
Debentures | -
8%₹26 Cr250
7.17% Indian Railway Finance Corporation Limited**
Debentures | -
8%₹25 Cr2,500
Hdb Financial Services Ltd.
Debentures | -
8%₹25 Cr250
Cholamandalam Investment And Finance Company Limited
Debentures | -
5%₹15 Cr1,500
Aditya Birla Renewables Limited
Debentures | -
5%₹15 Cr1,500
INDIA UNIVERSAL TRUST AL1
Unlisted bonds | -
4%₹15 Cr15
07.78 RJ Sdl 2033
Sovereign Bonds | -
2%₹5 Cr50,000,000

5. UTI Gilt Fund

(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.

UTI Gilt Fund is a Debt - Government Bond fund was launched on 21 Jan 02. It is a fund with Moderate risk and has given a CAGR/Annualized return of 8.2% since its launch.  Ranked 7 in Government Bond category.  Return for 2024 was 8.9% , 2023 was 6.7% and 2022 was 2.9% .

Below is the key information for UTI Gilt Fund

UTI Gilt Fund
Growth
Launch Date 21 Jan 02
NAV (06 Jun 25) ₹63.3718 ↓ -0.35   (-0.55 %)
Net Assets (Cr) ₹742 on 30 Apr 25
Category Debt - Government Bond
AMC UTI Asset Management Company Ltd
Rating
Risk Moderate
Expense Ratio 0.92
Sharpe Ratio 1.48
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.64%
Effective Maturity 19 Years 11 Months 26 Days
Modified Duration 9 Years 2 Months 16 Days

Growth of 10,000 investment over the years.

DateValue
31 May 20₹10,000
31 May 21₹10,285
31 May 22₹10,425
31 May 23₹11,192
31 May 24₹11,992
31 May 25₹13,213

UTI Gilt Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for UTI Gilt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 6 Jun 25

DurationReturns
1 Month 0%
3 Month 4%
6 Month 5.2%
1 Year 9.8%
3 Year 8.1%
5 Year 5.7%
10 Year
15 Year
Since launch 8.2%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Pankaj Pathak8 Apr 250.15 Yr.

Data below for UTI Gilt Fund as on 30 Apr 25

Asset Allocation
Asset ClassValue
Cash3.6%
Debt96.4%
Debt Sector Allocation
SectorValue
Government96.4%
Cash Equivalent3.6%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.79% Govt Stock 2034
Sovereign Bonds | -
41%₹269 Cr2,600,000,000
↓ -700,000,000
7.34% Govt Stock 2064
Sovereign Bonds | -
19%₹123 Cr1,150,000,000
7.09% Govt Stock 2054
Sovereign Bonds | -
16%₹104 Cr1,000,000,000
7.3% Govt Stock 2053
Sovereign Bonds | -
7%₹48 Cr450,000,000
7.46% Govt Stock 2073
Sovereign Bonds | -
5%₹33 Cr300,000,000
Chhattisgarh (Government of) 7.32%
- | -
5%₹31 Cr300,000,000
Assam (Government of) 7.34%
- | -
5%₹31 Cr300,000,000
Net Current Assets
Net Current Assets | -
3%₹21 Cr
Clearing Corporation Of India Ltd. Std - Margin
CBLO/Reverse Repo | -
0%₹3 Cr00

6. UTI Short Term Income Fund

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.

UTI Short Term Income Fund is a Debt - Short term Bond fund was launched on 19 Sep 07. It is a fund with Moderate risk and has given a CAGR/Annualized return of 6.8% since its launch.  Ranked 10 in Short term Bond category.  Return for 2024 was 7.9% , 2023 was 6.9% and 2022 was 3.8% .

Below is the key information for UTI Short Term Income Fund

UTI Short Term Income Fund
Growth
Launch Date 19 Sep 07
NAV (06 Jun 25) ₹31.861 ↑ 0.07   (0.22 %)
Net Assets (Cr) ₹2,791 on 30 Apr 25
Category Debt - Short term Bond
AMC UTI Asset Management Company Ltd
Rating
Risk Moderate
Expense Ratio 0.94
Sharpe Ratio 1.9
Information Ratio 0
Alpha Ratio 0
Min Investment 10,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.97%
Effective Maturity 3 Years 7 Months 6 Days
Modified Duration 2 Years 9 Months 14 Days

Growth of 10,000 investment over the years.

DateValue
31 May 20₹10,000
31 May 21₹10,661
31 May 22₹11,489
31 May 23₹12,231
31 May 24₹13,080
31 May 25₹14,279

UTI Short Term Income Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹203,125.
Net Profit of ₹23,125
Invest Now

Returns for UTI Short Term Income Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 6 Jun 25

DurationReturns
1 Month 1.2%
3 Month 3.7%
6 Month 5.2%
1 Year 9.6%
3 Year 7.7%
5 Year 7.4%
10 Year
15 Year
Since launch 6.8%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Anurag Mittal8 Apr 250.15 Yr.
Sudhir Agarwal25 Oct 1212.61 Yr.

Data below for UTI Short Term Income Fund as on 30 Apr 25

Asset Allocation
Asset ClassValue
Cash8.87%
Debt90.88%
Other0.25%
Debt Sector Allocation
SectorValue
Corporate68.69%
Government25.44%
Cash Equivalent5.62%
Credit Quality
RatingValue
AA10.39%
AAA89.61%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.79% Govt Stock 2034
Sovereign Bonds | -
9%₹264 Cr2,550,000,000
LIC Housing Finance Limited
Debentures | -
6%₹179 Cr1,750
National Housing Bank
Debentures | -
6%₹179 Cr17,500
Small Industries Development Bank Of India
Debentures | -
6%₹178 Cr17,500
National Bank For Agriculture And Rural Development
Debentures | -
6%₹178 Cr17,500
Power Finance Corporation Ltd.
Debentures | -
6%₹178 Cr17,500
Export-Import Bank of India
Domestic Bonds | -
4%₹127 Cr12,500
↑ 2,500
Bajaj Finance Limited
Debentures | -
3%₹76 Cr7,500
Mankind Pharma Ltd
Debentures | -
3%₹76 Cr7,500
↑ 5,000
Kotak Mahindra Prime Limited
Debentures | -
3%₹76 Cr750
↓ -100

7. UTI Treasury Advantage Fund

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.

UTI Treasury Advantage Fund is a Debt - Low Duration fund was launched on 23 Apr 07. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 7.2% since its launch.  Ranked 15 in Low Duration category.  Return for 2024 was 7.7% , 2023 was 7.1% and 2022 was 4.5% .

Below is the key information for UTI Treasury Advantage Fund

UTI Treasury Advantage Fund
Growth
Launch Date 23 Apr 07
NAV (06 Jun 25) ₹3,547.48 ↑ 7.32   (0.21 %)
Net Assets (Cr) ₹3,271 on 30 Apr 25
Category Debt - Low Duration
AMC UTI Asset Management Company Ltd
Rating
Risk Moderately Low
Expense Ratio 0.44
Sharpe Ratio 2.3
Information Ratio 0
Alpha Ratio 0
Min Investment 10,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.93%
Effective Maturity 11 Months 16 Days
Modified Duration 10 Months 13 Days

Growth of 10,000 investment over the years.

DateValue
31 May 20₹10,000
31 May 21₹10,522
31 May 22₹11,432
31 May 23₹12,165
31 May 24₹13,032
31 May 25₹14,118

UTI Treasury Advantage Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹203,125.
Net Profit of ₹23,125
Invest Now

Returns for UTI Treasury Advantage Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 6 Jun 25

DurationReturns
1 Month 1%
3 Month 2.9%
6 Month 4.5%
1 Year 8.6%
3 Year 7.4%
5 Year 7.2%
10 Year
15 Year
Since launch 7.2%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Anurag Mittal1 Dec 213.5 Yr.

Data below for UTI Treasury Advantage Fund as on 30 Apr 25

Asset Allocation
Asset ClassValue
Cash42.11%
Debt57.61%
Other0.27%
Debt Sector Allocation
SectorValue
Corporate56.09%
Cash Equivalent29.21%
Government14.43%
Credit Quality
RatingValue
AA15.3%
AAA84.7%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
182 Days Tbill
Sovereign Bonds | -
9%₹296 Cr3,000,000,000
Power Finance Corporation Limited
Debentures | -
4%₹149 Cr1,500
Bajaj Housing Finance Limited
Debentures | -
4%₹126 Cr1,250
National Bank For Agriculture And Rural Development
Debentures | -
3%₹102 Cr10,000
Rural Electrification Corporation Limited
Debentures | -
3%₹102 Cr10,000
National Bank For Agriculture And Rural Development
Debentures | -
3%₹101 Cr10,000
Nirma Limited
Debentures | -
2%₹75 Cr7,500
360 One Prime Limited
Debentures | -
2%₹55 Cr550,000
Aditya Birla Renewables Limited
Debentures | -
2%₹51 Cr5,000
Rec Limited
Debentures | -
2%₹51 Cr5,000

8. UTI Money Market Fund

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.

UTI Money Market Fund is a Debt - Money Market fund was launched on 13 Jul 09. It is a fund with Low risk and has given a CAGR/Annualized return of 7.3% since its launch.  Ranked 23 in Money Market category.  Return for 2024 was 7.7% , 2023 was 7.4% and 2022 was 4.9% .

Below is the key information for UTI Money Market Fund

UTI Money Market Fund
Growth
Launch Date 13 Jul 09
NAV (06 Jun 25) ₹3,081.27 ↑ 4.43   (0.14 %)
Net Assets (Cr) ₹17,804 on 30 Apr 25
Category Debt - Money Market
AMC UTI Asset Management Company Ltd
Rating
Risk Low
Expense Ratio 0.27
Sharpe Ratio 2.53
Information Ratio 0
Alpha Ratio 0
Min Investment 10,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.76%
Effective Maturity 8 Months 17 Days
Modified Duration 8 Months 17 Days

Growth of 10,000 investment over the years.

DateValue
31 May 20₹10,000
31 May 21₹10,446
31 May 22₹10,830
31 May 23₹11,550
31 May 24₹12,420
31 May 25₹13,430

UTI Money Market Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132
Invest Now

Returns for UTI Money Market Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 6 Jun 25

DurationReturns
1 Month 0.8%
3 Month 2.7%
6 Month 4.4%
1 Year 8.4%
3 Year 7.5%
5 Year 6.1%
10 Year
15 Year
Since launch 7.3%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Anurag Mittal1 Dec 213.5 Yr.
Amit Sharma7 Jul 177.9 Yr.

Data below for UTI Money Market Fund as on 30 Apr 25

Asset Allocation
Asset ClassValue
Cash81.9%
Debt17.86%
Other0.24%
Debt Sector Allocation
SectorValue
Corporate46.13%
Cash Equivalent30.15%
Government23.48%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
364 Days Tbill (Md 05/03/2026)
Sovereign Bonds | -
3%₹478 Cr5,000,000,000
364 DTB 19mar2026
Sovereign Bonds | -
3%₹477 Cr5,000,000,000
06.89 RJ Sdl 2025
Sovereign Bonds | -
2%₹306 Cr3,050,000,000
364 Days Tbill Red 12-03-2026
Sovereign Bonds | -
1%₹239 Cr2,500,000,000
08.23 MH Sdl 2025
Sovereign Bonds | -
1%₹201 Cr2,000,000,000
364 DTB 12022026
Sovereign Bonds | -
1%₹192 Cr2,000,000,000
364 DTB 27022026
Sovereign Bonds | -
1%₹191 Cr2,000,000,000
Cholamandalam Investment & Finance Co Ltd.
Debentures | -
1%₹169 Cr1,750,000,000
↑ 1,750,000,000
07.00 RJ Sdl 2025
Sovereign Bonds | -
1%₹150 Cr1,500,000,000
↑ 1,500,000,000
HDFC Bank Ltd.
Debentures | -
1%₹142 Cr1,500,000,000
↑ 1,500,000,000

9. UTI Ultra Short Term Fund

(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.

UTI Ultra Short Term Fund is a Debt - Ultrashort Bond fund was launched on 29 Aug 03. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 6.8% since its launch.  Ranked 27 in Ultrashort Bond category.  Return for 2024 was 7.2% , 2023 was 6.7% and 2022 was 4.2% .

Below is the key information for UTI Ultra Short Term Fund

UTI Ultra Short Term Fund
Growth
Launch Date 29 Aug 03
NAV (06 Jun 25) ₹4,228.62 ↑ 5.11   (0.12 %)
Net Assets (Cr) ₹4,131 on 30 Apr 25
Category Debt - Ultrashort Bond
AMC UTI Asset Management Company Ltd
Rating
Risk Moderately Low
Expense Ratio 0.96
Sharpe Ratio 1.32
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.95%
Effective Maturity 5 Months 28 Days
Modified Duration 5 Months 22 Days

Growth of 10,000 investment over the years.

DateValue
31 May 20₹10,000
31 May 21₹10,425
31 May 22₹11,040
31 May 23₹11,696
31 May 24₹12,505
31 May 25₹13,419

UTI Ultra Short Term Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132
Invest Now

Returns for UTI Ultra Short Term Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 6 Jun 25

DurationReturns
1 Month 0.7%
3 Month 2.2%
6 Month 3.8%
1 Year 7.5%
3 Year 6.8%
5 Year 6.1%
10 Year
15 Year
Since launch 6.8%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Anurag Mittal21 Jan 250.36 Yr.

Data below for UTI Ultra Short Term Fund as on 30 Apr 25

Asset Allocation
Asset ClassValue
Cash72.58%
Debt27.23%
Other0.2%
Debt Sector Allocation
SectorValue
Corporate51.01%
Cash Equivalent41.85%
Government6.94%
Credit Quality
RatingValue
AA15.68%
AAA84.32%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Small Industries Development Bank Of India
Debentures | -
4%₹180 Cr1,800
182 Days Tbill
Sovereign Bonds | -
3%₹147 Cr1,500,000,000
Bajaj Housing Finance Limited
Debentures | -
2%₹101 Cr1,000
182 Days Tbill
Sovereign Bonds | -
2%₹99 Cr1,000,000,000
Shriram Finance Limited
Debentures | -
2%₹81 Cr8,000
Small Industries Development Bank Of India
Debentures | -
2%₹75 Cr750
LIC Housing Finance Ltd
Debentures | -
2%₹75 Cr750
Indian Bank
Domestic Bonds | -
2%₹71 Cr750,000,000
Small Industries Development Bank Of India
Debentures | -
1%₹50 Cr500
National Bank For Agriculture And Rural Development
Debentures | -
1%₹50 Cr500

10. UTI Banking and Financial Services Fund

(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.

UTI Banking and Financial Services Fund is a Equity - Sectoral fund was launched on 7 Apr 04. It is a fund with High risk and has given a CAGR/Annualized return of 15% since its launch.  Ranked 20 in Sectoral category.  Return for 2024 was 11.1% , 2023 was 19.5% and 2022 was 15.1% .

Below is the key information for UTI Banking and Financial Services Fund

UTI Banking and Financial Services Fund
Growth
Launch Date 7 Apr 04
NAV (06 Jun 25) ₹191.258 ↑ 3.63   (1.94 %)
Net Assets (Cr) ₹1,264 on 30 Apr 25
Category Equity - Sectoral
AMC UTI Asset Management Company Ltd
Rating
Risk High
Expense Ratio 2.28
Sharpe Ratio 0.5
Information Ratio 0.17
Alpha Ratio -6.91
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.

DateValue
31 May 20₹10,000
31 May 21₹18,314
31 May 22₹17,889
31 May 23₹21,631
31 May 24₹25,970
31 May 25₹30,865

UTI Banking and Financial Services Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹543,623.
Net Profit of ₹243,623
Invest Now

Returns for UTI Banking and Financial Services Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 6 Jun 25

DurationReturns
1 Month 5.7%
3 Month 17%
6 Month 7.2%
1 Year 19.9%
3 Year 21.1%
5 Year 23.9%
10 Year
15 Year
Since launch 15%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Preethi S2 May 223.08 Yr.

Data below for UTI Banking and Financial Services Fund as on 30 Apr 25

Equity Sector Allocation
SectorValue
Financial Services98.25%
Technology0.09%
Asset Allocation
Asset ClassValue
Cash1.65%
Equity98.35%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
ICICI Bank Ltd (Financial Services)
Equity, Since 30 Apr 04 | ICICIBANK
21%₹264 Cr1,852,344
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Mar 09 | HDFCBANK
15%₹194 Cr1,005,927
Axis Bank Ltd (Financial Services)
Equity, Since 30 Jun 18 | 532215
6%₹79 Cr670,000
Bajaj Finance Ltd (Financial Services)
Equity, Since 30 Nov 19 | 500034
6%₹73 Cr84,257
↑ 1,000
Shriram Finance Ltd (Financial Services)
Equity, Since 31 Jan 24 | SHRIRAMFIN
5%₹60 Cr983,680
State Bank of India (Financial Services)
Equity, Since 28 Feb 18 | SBIN
5%₹59 Cr750,000
India Shelter Finance Corporation Ltd (Financial Services)
Equity, Since 31 Dec 23 | INDIASHLTR
5%₹58 Cr671,973
Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 30 Sep 18 | KOTAKBANK
4%₹49 Cr223,946
Karur Vysya Bank Ltd (Financial Services)
Equity, Since 31 Dec 18 | 590003
3%₹42 Cr1,915,787
↑ 39,246
Max Financial Services Ltd (Financial Services)
Equity, Since 30 Sep 22 | 500271
3%₹41 Cr314,018

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Disclaimer:
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.
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