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SIP ઇન્વેસ્ટમેન્ટ 2022 માટે શ્રેષ્ઠ સંતુલિત ડેટ ફંડ્સ

Updated on October 11, 2025 , 1445 views

સંતુલિત ભંડોળ ઇક્વિટી અને બંનેના સંયોજન તરીકે કાર્ય કરે છેડેટ મ્યુચ્યુઅલ ફંડ. ઓર્ડિનેટેડ દેવા માં-સંતુલિત ભંડોળ, તેના પોર્ટફોલિયોનો મોટો હિસ્સો ડેટમાં રોકાયેલ છે અનેમની માર્કેટ સાધનો, જ્યારે ઇક્વિટી સાધનોમાં એક નાનો ભાગ. આ ફંડ્સ લાંબા ગાળે સતત વળતર આપવાની ક્ષમતા ધરાવે છે. પોર્ટફોલિયોના ઇક્વિટી હિસ્સાને વધતા ઇક્વિટી બજારોથી ફાયદો થશે. જો કે, રોકાણકારો કે જેઓ શ્રેષ્ઠ સંભવિત વળતર મેળવવા માંગે છે તેમને શ્રેષ્ઠ પ્રદર્શન કરતા સંતુલિત દેવુંમાં રોકાણ કરવાની સલાહ આપવામાં આવે છેSIP ભંડોળ, નીચે સૂચિબદ્ધ.

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SIPમાં રોકાણ કરવા માટે ટોચના 5 શ્રેષ્ઠ પર્ફોર્મિંગ બેલેન્સ્ડ ડેટ ફંડ્સ

FundNAVNet Assets (Cr)Min SIP Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)2024 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
HDFC Hybrid Debt Fund Growth ₹82.7577
↓ -0.10
₹3,359 300 0.63.44.410.910.57.18%5Y 11M 16D11Y 10M 6D
Kotak Debt Hybrid Fund Growth ₹59.2623
↓ -0.08
₹3,065 1,000 1.34.44.210.811.47.29%8Y 2M 16D21Y 7M 6D
ICICI Prudential MIP 25 Growth ₹77.0333
↓ -0.07
₹3,261 100 1.76710.611.47.39%2Y 6M 4D5Y 3M
DSP Regular Savings Fund Growth ₹59.1629
↓ -0.05
₹177 500 0.53.75.910.4116.25%2Y 8M 26D4Y 10M 24D
UTI Regular Savings Fund Growth ₹69.986
↓ -0.03
₹1,686 500 0.44.44.510.311.66.99%5Y 7M 28D8Y 8M 5D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 14 Oct 25

Research Highlights & Commentary of 5 Funds showcased

CommentaryHDFC Hybrid Debt FundKotak Debt Hybrid FundICICI Prudential MIP 25DSP Regular Savings FundUTI Regular Savings Fund
Point 1Highest AUM (₹3,359 Cr).Lower mid AUM (₹3,065 Cr).Upper mid AUM (₹3,261 Cr).Bottom quartile AUM (₹177 Cr).Bottom quartile AUM (₹1,686 Cr).
Point 2Oldest track record among peers (21 yrs).Established history (21+ yrs).Established history (21+ yrs).Established history (21+ yrs).Established history (21+ yrs).
Point 3Rating: 4★ (upper mid).Rating: 4★ (lower mid).Top rated.Rating: 3★ (bottom quartile).Rating: 4★ (bottom quartile).
Point 4Risk profile: Moderately High.Risk profile: Moderate.Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.
Point 55Y return: 11.29% (top quartile).5Y return: 10.90% (upper mid).5Y return: 9.83% (bottom quartile).5Y return: 8.93% (bottom quartile).5Y return: 10.47% (lower mid).
Point 63Y return: 10.88% (top quartile).3Y return: 10.83% (upper mid).3Y return: 10.59% (lower mid).3Y return: 10.45% (bottom quartile).3Y return: 10.26% (bottom quartile).
Point 71Y return: 4.37% (bottom quartile).1Y return: 4.18% (bottom quartile).1Y return: 7.03% (top quartile).1Y return: 5.87% (upper mid).1Y return: 4.53% (lower mid).
Point 81M return: 1.11% (upper mid).1M return: 1.80% (top quartile).1M return: 0.43% (bottom quartile).1M return: 0.42% (bottom quartile).1M return: 0.59% (lower mid).
Point 9Alpha: 0.00 (upper mid).Alpha: -2.87 (bottom quartile).Alpha: 0.00 (lower mid).Alpha: 0.30 (top quartile).Alpha: 0.00 (bottom quartile).
Point 10Sharpe: -0.84 (bottom quartile).Sharpe: -0.77 (bottom quartile).Sharpe: -0.06 (top quartile).Sharpe: -0.18 (upper mid).Sharpe: -0.53 (lower mid).

HDFC Hybrid Debt Fund

  • Highest AUM (₹3,359 Cr).
  • Oldest track record among peers (21 yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 11.29% (top quartile).
  • 3Y return: 10.88% (top quartile).
  • 1Y return: 4.37% (bottom quartile).
  • 1M return: 1.11% (upper mid).
  • Alpha: 0.00 (upper mid).
  • Sharpe: -0.84 (bottom quartile).

Kotak Debt Hybrid Fund

  • Lower mid AUM (₹3,065 Cr).
  • Established history (21+ yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: Moderate.
  • 5Y return: 10.90% (upper mid).
  • 3Y return: 10.83% (upper mid).
  • 1Y return: 4.18% (bottom quartile).
  • 1M return: 1.80% (top quartile).
  • Alpha: -2.87 (bottom quartile).
  • Sharpe: -0.77 (bottom quartile).

ICICI Prudential MIP 25

  • Upper mid AUM (₹3,261 Cr).
  • Established history (21+ yrs).
  • Top rated.
  • Risk profile: Moderately High.
  • 5Y return: 9.83% (bottom quartile).
  • 3Y return: 10.59% (lower mid).
  • 1Y return: 7.03% (top quartile).
  • 1M return: 0.43% (bottom quartile).
  • Alpha: 0.00 (lower mid).
  • Sharpe: -0.06 (top quartile).

DSP Regular Savings Fund

  • Bottom quartile AUM (₹177 Cr).
  • Established history (21+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 8.93% (bottom quartile).
  • 3Y return: 10.45% (bottom quartile).
  • 1Y return: 5.87% (upper mid).
  • 1M return: 0.42% (bottom quartile).
  • Alpha: 0.30 (top quartile).
  • Sharpe: -0.18 (upper mid).

UTI Regular Savings Fund

  • Bottom quartile AUM (₹1,686 Cr).
  • Established history (21+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 10.47% (lower mid).
  • 3Y return: 10.26% (bottom quartile).
  • 1Y return: 4.53% (lower mid).
  • 1M return: 0.59% (lower mid).
  • Alpha: 0.00 (bottom quartile).
  • Sharpe: -0.53 (lower mid).

1. HDFC Hybrid Debt Fund

(Erstwhile HDFC MF Monthly Income Plan - LTP)

The primary objective of Scheme is to generate regular returns through investment primarily in Debt and Money Market Instruments. The secondary objective of the Scheme is to generate long-term capital appreciation by investing a portion of the Scheme`s assets in equity and equity related instruments. However, there can be no assurance that the investment objective of the Scheme will be achieved.

Research Highlights for HDFC Hybrid Debt Fund

  • Highest AUM (₹3,359 Cr).
  • Oldest track record among peers (21 yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 11.29% (top quartile).
  • 3Y return: 10.88% (top quartile).
  • 1Y return: 4.37% (bottom quartile).
  • 1M return: 1.11% (upper mid).
  • Alpha: 0.00 (upper mid).
  • Sharpe: -0.84 (bottom quartile).
  • Information ratio: 0.00 (lower mid).

Below is the key information for HDFC Hybrid Debt Fund

HDFC Hybrid Debt Fund
Growth
Launch Date 26 Dec 03
NAV (14 Oct 25) ₹82.7577 ↓ -0.10   (-0.12 %)
Net Assets (Cr) ₹3,359 on 15 Sep 25
Category Hybrid - Hybrid Debt
AMC HDFC Asset Management Company Limited
Rating
Risk Moderately High
Expense Ratio 1.76
Sharpe Ratio -0.85
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 300
Exit Load 0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

DateValue
30 Sep 20₹10,000
30 Sep 21₹12,352
30 Sep 22₹12,706
30 Sep 23₹14,340
30 Sep 24₹16,674
30 Sep 25₹17,122

HDFC Hybrid Debt Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹405,518.
Net Profit of ₹105,518
Invest Now

Returns for HDFC Hybrid 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 14 Oct 25

DurationReturns
1 Month 1.1%
3 Month 0.6%
6 Month 3.4%
1 Year 4.4%
3 Year 10.9%
5 Year 11.3%
10 Year
15 Year
Since launch 10.2%
Historical performance (Yearly) on absolute basis
YearReturns
2024 10.5%
2023 13.9%
2022 6%
2021 13.4%
2020 10.2%
2019 6.6%
2018 0.6%
2017 10.8%
2016 13%
2015 3.8%
Fund Manager information for HDFC Hybrid Debt Fund
NameSinceTenure
Shobhit Mehrotra1 Sep 0718.01 Yr.
Srinivasan Ramamurthy14 Dec 213.72 Yr.
Dhruv Muchhal22 Jun 232.2 Yr.

Data below for HDFC Hybrid Debt Fund as on 15 Sep 25

Asset Allocation
Asset ClassValue
Cash3.51%
Equity20.23%
Debt75.97%
Other0.29%
Equity Sector Allocation
SectorValue
Financial Services8.15%
Energy2.21%
Technology1.81%
Health Care1.74%
Industrials1.52%
Utility1.24%
Consumer Cyclical1.13%
Communication Services1.01%
Consumer Defensive0.61%
Real Estate0.61%
Basic Materials0.18%
Debt Sector Allocation
SectorValue
Government52.59%
Corporate23.38%
Cash Equivalent3.51%
Credit Quality
RatingValue
A1.7%
AA7.51%
AAA90.79%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.34% Govt Stock 2064
Sovereign Bonds | -
4%₹141 Cr14,000,000
7.09% Govt Stock 2054
Sovereign Bonds | -
3%₹113 Cr11,500,000
7.23% Govt Stock 2039
Sovereign Bonds | -
3%₹104 Cr10,000,000
7.3% Govt Stock 2053
Sovereign Bonds | -
3%₹86 Cr8,500,000
Indian Railway Finance Corporation Limited
Debentures | -
2%₹83 Cr800
7.18% Govt Stock 2037
Sovereign Bonds | -
2%₹72 Cr7,000,000
6.79% Govt Stock 2034
Sovereign Bonds | -
2%₹71 Cr7,000,000
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 09 | ICICIBANK
2%₹71 Cr500,000
HDFC Bank Ltd (Financial Services)
Equity, Since 15 Dec 21 | HDFCBANK
2%₹68 Cr700,000
6.33% Govt Stock 2035
Sovereign Bonds | -
2%₹67 Cr6,739,400
↓ -1,000,000

2. Kotak Debt Hybrid Fund

(Erstwhile Kotak Monthly Income Plan)

To enhance returns over a portfolio of debt instruments with a moderate exposure in equity and equity related instruments.

Research Highlights for Kotak Debt Hybrid Fund

  • Lower mid AUM (₹3,065 Cr).
  • Established history (21+ yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: Moderate.
  • 5Y return: 10.90% (upper mid).
  • 3Y return: 10.83% (upper mid).
  • 1Y return: 4.18% (bottom quartile).
  • 1M return: 1.80% (top quartile).
  • Alpha: -2.87 (bottom quartile).
  • Sharpe: -0.77 (bottom quartile).
  • Information ratio: 0.48 (upper mid).

Below is the key information for Kotak Debt Hybrid Fund

Kotak Debt Hybrid Fund
Growth
Launch Date 2 Dec 03
NAV (14 Oct 25) ₹59.2623 ↓ -0.08   (-0.14 %)
Net Assets (Cr) ₹3,065 on 31 Aug 25
Category Hybrid - Hybrid Debt
AMC Kotak Mahindra Asset Management Co Ltd
Rating
Risk Moderate
Expense Ratio 1.68
Sharpe Ratio -0.78
Information Ratio 0.48
Alpha Ratio -2.87
Min Investment 5,000
Min SIP Investment 1,000
Exit Load 0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

DateValue
30 Sep 20₹10,000
30 Sep 21₹12,166
30 Sep 22₹12,499
30 Sep 23₹13,798
30 Sep 24₹16,413
30 Sep 25₹16,700

Kotak Debt Hybrid Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹395,578.
Net Profit of ₹95,578
Invest Now

Returns for Kotak Debt Hybrid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 14 Oct 25

DurationReturns
1 Month 1.8%
3 Month 1.3%
6 Month 4.4%
1 Year 4.2%
3 Year 10.8%
5 Year 10.9%
10 Year
15 Year
Since launch 8.5%
Historical performance (Yearly) on absolute basis
YearReturns
2024 11.4%
2023 13.9%
2022 4.3%
2021 13.3%
2020 13.9%
2019 11.2%
2018 -0.1%
2017 10.2%
2016 13%
2015 5.4%
Fund Manager information for Kotak Debt Hybrid Fund
NameSinceTenure
Abhishek Bisen1 Apr 0817.43 Yr.
Shibani Kurian3 Sep 240.99 Yr.

Data below for Kotak Debt Hybrid Fund as on 31 Aug 25

Asset Allocation
Asset ClassValue
Cash4%
Equity22.46%
Debt73.25%
Other0.28%
Equity Sector Allocation
SectorValue
Financial Services6.47%
Consumer Cyclical3.18%
Technology2.71%
Health Care1.83%
Consumer Defensive1.6%
Utility1.56%
Communication Services1.43%
Industrials1.39%
Energy1.35%
Basic Materials0.82%
Real Estate0.12%
Debt Sector Allocation
SectorValue
Government56.1%
Corporate12.33%
Securitized4.83%
Cash Equivalent4%
Credit Quality
RatingValue
A0.02%
AA5.57%
AAA94.41%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.34% Govt Stock 2064
Sovereign Bonds | -
19%₹576 Cr57,268,400
7.3% Govt Stock 2053
Sovereign Bonds | -
10%₹322 Cr31,941,510
↓ -500,000
7.09% Govt Stock 2054
Sovereign Bonds | -
6%₹177 Cr18,000,000
↑ 15,000,000
National Housing Bank
Debentures | -
5%₹148 Cr15,000
7.09% Govt Stock 2074
Sovereign Bonds | -
4%₹138 Cr14,250,000
↑ 1,500,000
6.9% Govt Stock 2065
Sovereign Bonds | -
4%₹124 Cr13,000,020
↓ -4,999,990
6.68% Govt Stock 2040
Sovereign Bonds | -
3%₹84 Cr8,500,000
Bharti Telecom Limited
Debentures | -
2%₹77 Cr7,500
↓ -5,000
Ptc Shivshakti Securitisation Trust 28/09/2029(Shivshakti Trust)** So
Unlisted bonds | -
2%₹75 Cr75
↑ 75
Ptc Siddhivinayak Securitisation Trust 28/09/2030(Siddhivinayak Trust)** So
Unlisted bonds | -
2%₹75 Cr75
↑ 75

3. ICICI Prudential MIP 25

The Scheme seeks to generate regular income through investments primarily in debt and money market instruments. As a secondary objective, the Scheme also seeks to generate long term capital appreciation from the portion of equity investments under the Scheme. However, there can be no assurance that the investment objectives of the Scheme will be realized.

Research Highlights for ICICI Prudential MIP 25

  • Upper mid AUM (₹3,261 Cr).
  • Established history (21+ yrs).
  • Top rated.
  • Risk profile: Moderately High.
  • 5Y return: 9.83% (bottom quartile).
  • 3Y return: 10.59% (lower mid).
  • 1Y return: 7.03% (top quartile).
  • 1M return: 0.43% (bottom quartile).
  • Alpha: 0.00 (lower mid).
  • Sharpe: -0.06 (top quartile).
  • Information ratio: 0.00 (bottom quartile).

Below is the key information for ICICI Prudential MIP 25

ICICI Prudential MIP 25
Growth
Launch Date 30 Mar 04
NAV (14 Oct 25) ₹77.0333 ↓ -0.07   (-0.09 %)
Net Assets (Cr) ₹3,261 on 15 Sep 25
Category Hybrid - Hybrid Debt
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Moderately High
Expense Ratio 1.67
Sharpe Ratio -0.06
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 100
Exit Load 0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

DateValue
30 Sep 20₹10,000
30 Sep 21₹11,547
30 Sep 22₹11,994
30 Sep 23₹13,113
30 Sep 24₹15,170
30 Sep 25₹16,064

ICICI Prudential MIP 25 SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹385,859.
Net Profit of ₹85,859
Invest Now

Returns for ICICI Prudential MIP 25

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 14 Oct 25

DurationReturns
1 Month 0.4%
3 Month 1.7%
6 Month 6%
1 Year 7%
3 Year 10.6%
5 Year 9.8%
10 Year
15 Year
Since launch 9.9%
Historical performance (Yearly) on absolute basis
YearReturns
2024 11.4%
2023 11.4%
2022 5.1%
2021 9.9%
2020 10.9%
2019 9.6%
2018 5.1%
2017 12.9%
2016 10.9%
2015 6.4%
Fund Manager information for ICICI Prudential MIP 25
NameSinceTenure
Manish Banthia19 Sep 1311.96 Yr.
Akhil Kakkar22 Jan 241.61 Yr.
Roshan Chutkey2 May 223.34 Yr.
Sharmila D’mello31 Jul 223.09 Yr.

Data below for ICICI Prudential MIP 25 as on 15 Sep 25

Asset Allocation
Asset ClassValue
Cash8.92%
Equity23.68%
Debt67.11%
Other0.29%
Equity Sector Allocation
SectorValue
Financial Services6.97%
Consumer Cyclical3.54%
Health Care2.82%
Communication Services1.87%
Real Estate1.57%
Energy1.32%
Technology1.21%
Basic Materials1.18%
Industrials1.13%
Utility1.12%
Consumer Defensive0.96%
Debt Sector Allocation
SectorValue
Corporate42.58%
Government25.92%
Cash Equivalent5.22%
Securitized2.3%
Credit Quality
RatingValue
A5.53%
AA35.59%
AAA58.88%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.99% Govt Stock 2034
Sovereign Bonds | -
5%₹169 Cr16,574,750
6.9% Govt Stock 2065
Sovereign Bonds | -
4%₹143 Cr15,000,000
7.1% Govt Stock 2034
Sovereign Bonds | -
3%₹111 Cr10,775,880
National Bank For Agriculture And Rural Development
Debentures | -
3%₹101 Cr10,000
State Bank Of India
Debentures | -
3%₹100 Cr1,000
L&T Metro Rail (Hyderabad) Limited
Debentures | -
2%₹80 Cr800
360 One Prime Limited
Debentures | -
2%₹76 Cr7,500
6.33% Govt Stock 2035
Sovereign Bonds | -
2%₹74 Cr7,500,000
↓ -2,500,000
Yes Bank Limited
Debentures | -
2%₹65 Cr650
ICICI Bank Ltd (Financial Services)
Equity, Since 30 Jun 19 | ICICIBANK
2%₹53 Cr372,298

4. DSP Regular Savings Fund

(Erstwhile DSP BlackRock MIP Fund)

The scheme is seeking to generate an attractive return, consistent with prudent risk, from a portfolio which is substantially constituted of quality debt securities. The scheme will also seek to generate capital appreciation by investing a smaller portion of its corpus in equity and equity related securities of the 100 largest corporates by market capitalisation, listed in India.

Research Highlights for DSP Regular Savings Fund

  • Bottom quartile AUM (₹177 Cr).
  • Established history (21+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 8.93% (bottom quartile).
  • 3Y return: 10.45% (bottom quartile).
  • 1Y return: 5.87% (upper mid).
  • 1M return: 0.42% (bottom quartile).
  • Alpha: 0.30 (top quartile).
  • Sharpe: -0.18 (upper mid).
  • Information ratio: 0.67 (top quartile).

Below is the key information for DSP Regular Savings Fund

DSP Regular Savings Fund
Growth
Launch Date 11 Jun 04
NAV (14 Oct 25) ₹59.1629 ↓ -0.05   (-0.09 %)
Net Assets (Cr) ₹177 on 31 Aug 25
Category Hybrid - Hybrid Debt
AMC DSP BlackRock Invmt Managers Pvt. Ltd.
Rating
Risk Moderately High
Expense Ratio 1.12
Sharpe Ratio -0.18
Information Ratio 0.67
Alpha Ratio 0.3
Min Investment 1,000
Min SIP Investment 500
Exit Load 0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

DateValue
30 Sep 20₹10,000
30 Sep 21₹11,494
30 Sep 22₹11,509
30 Sep 23₹12,628
30 Sep 24₹14,710
30 Sep 25₹15,389

DSP 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 ₹376,357.
Net Profit of ₹76,357
Invest Now

Returns for DSP 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 14 Oct 25

DurationReturns
1 Month 0.4%
3 Month 0.5%
6 Month 3.7%
1 Year 5.9%
3 Year 10.4%
5 Year 8.9%
10 Year
15 Year
Since launch 8.7%
Historical performance (Yearly) on absolute basis
YearReturns
2024 11%
2023 12%
2022 3.5%
2021 7.8%
2020 9.3%
2019 6.9%
2018 -5.3%
2017 11%
2016 10.7%
2015 4.8%
Fund Manager information for DSP Regular Savings Fund
NameSinceTenure
Abhishek Singh31 May 214.26 Yr.
Shantanu Godambe1 Aug 241.08 Yr.

Data below for DSP Regular Savings Fund as on 31 Aug 25

Asset Allocation
Asset ClassValue
Cash6.98%
Equity16.45%
Debt75.41%
Other1.15%
Equity Sector Allocation
SectorValue
Financial Services6.84%
Health Care2.55%
Consumer Cyclical1.64%
Technology1.18%
Consumer Defensive1.09%
Utility1.05%
Industrials0.62%
Basic Materials0.57%
Energy0.56%
Communication Services0.35%
Debt Sector Allocation
SectorValue
Government75.41%
Cash Equivalent6.98%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.33% Govt Stock 2035
Sovereign Bonds | -
14%₹25 Cr2,500,000
7.81% Govt Stock 2033
Sovereign Bonds | -
12%₹21 Cr2,000,000
7.32% Govt Stock 2030
Sovereign Bonds | -
12%₹21 Cr2,000,000
Power Grid Corporation Of India Limited
Debentures | -
6%₹11 Cr100
7.1% Govt Stock 2029
Sovereign Bonds | -
6%₹11 Cr1,000,000
7.06% Govt Stock 2028
Sovereign Bonds | -
6%₹11 Cr1,000,000
7.37% Govt Stock 2028
Sovereign Bonds | -
3%₹5 Cr500,000
7.1% Govt Stock 2034
Sovereign Bonds | -
3%₹5 Cr500,000
National Bank For Agriculture And Rural Development
Debentures | -
3%₹5 Cr50
7.02% Govt Stock 2031
Sovereign Bonds | -
3%₹5 Cr500,000

5. 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.

Research Highlights for UTI Regular Savings Fund

  • Bottom quartile AUM (₹1,686 Cr).
  • Established history (21+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 10.47% (lower mid).
  • 3Y return: 10.26% (bottom quartile).
  • 1Y return: 4.53% (lower mid).
  • 1M return: 0.59% (lower mid).
  • Alpha: 0.00 (bottom quartile).
  • Sharpe: -0.53 (lower mid).
  • Information ratio: 0.00 (bottom quartile).

Below is the key information for UTI Regular Savings Fund

UTI Regular Savings Fund
Growth
Launch Date 16 Dec 03
NAV (14 Oct 25) ₹69.986 ↓ -0.03   (-0.04 %)
Net Assets (Cr) ₹1,686 on 31 Aug 25
Category Hybrid - Hybrid Debt
AMC UTI Asset Management Company Ltd
Rating
Risk Moderately High
Expense Ratio 1.81
Sharpe Ratio -0.53
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
30 Sep 20₹10,000
30 Sep 21₹12,372
30 Sep 22₹12,549
30 Sep 23₹13,720
30 Sep 24₹16,128
30 Sep 25₹16,573

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 ₹395,578.
Net Profit of ₹95,578
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 14 Oct 25

DurationReturns
1 Month 0.6%
3 Month 0.4%
6 Month 4.4%
1 Year 4.5%
3 Year 10.3%
5 Year 10.5%
10 Year
15 Year
Since launch 9.3%
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 223.65 Yr.
Jaydeep Bhowal17 Apr 232.38 Yr.

Data below for UTI Regular Savings Fund as on 31 Aug 25

Asset Allocation
Asset ClassValue
Cash2.34%
Equity23.68%
Debt73.7%
Other0.28%
Equity Sector Allocation
SectorValue
Financial Services7.77%
Consumer Cyclical3.44%
Technology2.51%
Health Care1.99%
Basic Materials1.96%
Communication Services1.76%
Industrials1.44%
Energy1.29%
Utility0.61%
Consumer Defensive0.57%
Real Estate0.33%
Debt Sector Allocation
SectorValue
Government48.01%
Corporate25.69%
Cash Equivalent2.34%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.79% Govt Stock 2034
Sovereign Bonds | -
9%₹153 Cr1,520,000,000
↓ -250,000,000
7.1% Govt Stock 2034
Sovereign Bonds | -
6%₹103 Cr1,000,000,000
↓ -1,500,000,000
6.33% Govt Stock 2035
Sovereign Bonds | -
6%₹93 Cr950,000,000
↑ 250,000,000
6.01% Govt Stock 2030
Sovereign Bonds | -
5%₹79 Cr800,000,000
↑ 800,000,000
Power Finance Corporation Limited
Debentures | -
5%₹77 Cr7,500
Indian Oil Corporation Limited
Debentures | -
5%₹76 Cr7,500
↑ 5,000
National Bank For Agriculture And Rural Development
Debentures | -
5%₹76 Cr7,500
HDFC Bank Limited
Debentures | -
3%₹52 Cr5,000
LIC Housing Finance Ltd
Debentures | -
3%₹51 Cr5,000
Small Industries Development Bank Of India
Debentures | -
3%₹51 Cr5,000

Disclaimer:
અહીં આપેલી માહિતી સચોટ છે તેની ખાતરી કરવા માટેના તમામ પ્રયાસો કરવામાં આવ્યા છે. જો કે, ડેટાની શુદ્ધતા અંગે કોઈ ગેરંટી આપવામાં આવતી નથી. કોઈપણ રોકાણ કરતા પહેલા કૃપા કરીને સ્કીમ માહિતી દસ્તાવેજ સાથે ચકાસો.
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