मलेशिया में रहने वाले कई एनआरआई ऋण और इक्विटी में निवेश करते हैंमंडी अच्छा रिटर्न कमाने के लिए।म्यूचुअल फंड्स अधिक कमाने के लिए एक बढ़िया विकल्प हैंआय पारंपरिक निवेश की तुलना में। आप एमएफ में जितना अधिक समय तक निवेश करेंगे, आपको अच्छा रिटर्न मिलने की संभावना उतनी ही अधिक होगी।
आमतौर पर, मलेशिया में रहने वाले अनिवासी भारतीय अपनी लंबी अवधि की योजना बनाते हैंवित्तीय लक्ष्यों पसंदनिवृत्ति द्वारानिवेश भारत में म्यूचुअल फंड में। मलेशिया में रहने वाले निवेशक जो म्युचुअल फंड निवेश की योजना बना रहे हैं, फंड पर निर्णय लेने से पहले आपको सबसे पहले जो करना है वह है- निवेश की समय सीमा निर्धारित करना। उदाहरण के लिए, अगर आपको तीन साल या उससे कम समय में पैसे की ज़रूरत हैबुलाना इसे अल्पकालिक के रूप में। अगर आप तीन से पांच साल के बीच के निवेश को भुनाना चाहते हैं तो इसे मिड टर्म कहें और पांच साल से ऊपर कभी भी इसे लॉन्ग टर्म कहें।
मलेशिया स्थित एनआरआई जो चाहते हैंम्युचुअल फंड में निवेश भारत में कुछ महत्वपूर्ण दिशा-निर्देश और नियम हैं जिनका निवेश शुरू करने के लिए पालन करने की आवश्यकता है।

भारत में म्यूचुअल फंड में निवेश करने के लिए किसी भारतीय के साथ निम्नलिखित में से कोई भी खाता खोलना चाहिएबैंक:
यह अनिवासी बाहरी (एनआरई) खाता है जो बचत, चालू, स्थिर या के रूप में हो सकता हैआवर्ती जमा. आपको इस खाते में विदेशी मुद्रा जमा करनी होगी। भारतीय मुद्रा जमा करने में सक्षम होने के लिए, आपको एनआरओ खाता खोलना होगा। एनआरई खाते में लेनदेन राशि की कोई ऊपरी सीमा नहीं है।
एनआरओ या अनिवासी साधारण खाता बचत या चालू खाते के रूप में होता है जो एनआरआई के लिए भारत में अर्जित अपनी आय का प्रबंधन करने के लिए होता है। एनआरओ खाते में जमा होने के बाद विदेशी मुद्रा भारतीय रुपये में परिवर्तित हो जाती है। एक एनआरओ खाता किसी अन्य एनआरआई के साथ-साथ निवासी भारतीय (करीबी रिश्तेदार) के साथ संयुक्त रूप से रखा जा सकता है।
यह विदेशी मुद्रा गैर-प्रत्यावर्तनीय खाता जमा के लिए है। इस खाते में, अनिवासी भारतीय अपना प्रेषण कर सकते हैंआय कनाडा की $, US$, यूरो, AU$, येन और पाउंड जैसी छह मुद्राओं में से एक में। अन्य एफसीएनआर या एनआरई खातों से फंड ट्रांसफर किया जा सकता है। FCNR में, मूलधन और ब्याज पर कोई टैक्स नहीं लगता है।
एक बार जब आप इनमें से कोई भी खाता खोलते हैं, तो आपको केवाईसी मानदंडों के तहत अपना केवाईसी (अपने ग्राहक को जानें) सफलतापूर्वक पूरा करना होगा, जो कि किसके द्वारा निर्धारित हैसेबी (भारतीय प्रतिभूति विनिमय बोर्ड)। कोई भी सेबी-पंजीकृत किसी भी इंटरमीडिएट के साथ अपना केवाईसी पूरा कर सकता है।
आपकी केवाईसी प्रक्रिया को सफलतापूर्वक पूरा करने के लिए, मलेशिया स्थित-एनआरआई को कुछ महत्वपूर्ण चरणों को पूरा करने और दस्तावेज प्रस्तुत करने की आवश्यकता है जैसे:
एक एनआरआई को जमा करना होगाकेवाईसी फॉर्म सेबी पंजीकृत इंटरमीडिएट में भरे गए सभी आवश्यक विवरण के साथ। दस्तावेजों को कूरियर/डाक द्वारा इंटरमीडिएट को भेजा जा सकता है।
निम्नलिखित आवश्यक दस्तावेज हैं जिन्हें जमा करने की आवश्यकता है:
मर्चेंट नेवी में अनिवासी भारतीयों के मामले में, एक नाविक की घोषणा या निरंतर निर्वहन प्रमाणपत्र की प्रमाणित प्रति प्रस्तुत की जानी चाहिए।
एनआरआई या पीआईओ (भारतीय मूल के व्यक्ति) भारत में पंजीकृत अनुसूचित वाणिज्यिक बैंकों की विदेशी शाखाओं के अधिकृत अधिकारियों, जज, कोर्ट मजिस्ट्रेट, पब्लिक नोटरी, या देश में भारतीय दूतावास / वाणिज्य दूतावास जनरल द्वारा प्रमाणित उपरोक्त दस्तावेज प्राप्त कर सकते हैं। स्थित हैं।
सेबी के नियमों के अनुसार केवाईसी प्रक्रिया के लिए आईपीवी अनिवार्य है। इंटरमीडिएट को एनआरआई/पीआईओ के आईपीवी का संचालन करना चाहिए।
कृपया ध्यान दें कि जमा करते समय उपरोक्त सभी दस्तावेज/प्रमाण अंग्रेजी भाषा में होने चाहिए।
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राजधानी वित्तीय वर्ष 2017-18 (आकलन वर्ष 2018-19) के लिए एनआरआई म्यूचुअल फंड निवेश पर लाभ कर की दरें नीचे दी गई हैं:
एनआरआईम्यूचुअल फंड पर कराधान-पूंजीगत लाभ कर की दरें- वित्तीय वर्ष 2017/2018 (आ.व.- 2018-19)
| म्यूचुअल फंड योजना के प्रकार | शॉर्ट टर्म कैपिटल गेन्स (STCG) | लॉन्ग टर्म कैपिटल गेन्स (LTCG) | 
|---|---|---|
| इक्विटी फ़ंड- STCG- एक वर्ष से कम या उसके बराबर धारित इकाइयाँ, LTCG- एक वर्ष से अधिक धारित इकाइयाँ | 15% | शून्य | 
| गैर-इक्विटी फंड- STCG- 3 साल या उससे कम के लिए धारित इकाइयाँ, LTCG- 3 साल से अधिक के लिए धारित इकाइयाँ | व्यक्ति के अनुसारआयकर ब्रैकेट | लिस्टेड फंड्स पर-20% (इंडेक्सेशन के साथ), अनलिस्टेड फंड्स- 10% (इंडेक्सेशन के बिना) | 
इक्विटी फंड पर लाभांशइक्विटी फंड के लिए यूनिट होल्डर के हाथ में मिलने वाला डिविडेंड पूरी तरह से टैक्स फ्री होता है। लाभांश भी कर मुक्त हैएएमसी.
डेट फंड पर लाभांश: एएमसी को इस लाभांश आय को अपने यूनिट-धारकों को वितरित करने से पहले 28.84% का लाभांश वितरण कर (डीडीटी) देना होगा। a . द्वारा प्राप्त लाभांश आयडेट फंड यूनिट धारक भी कर मुक्त है।
नीचे निर्धारण वर्ष 2018-19 के लिए अनिवासी भारतीयों द्वारा एमएफ मोचन पर लागू टीडीएस दर है।
म्यूचुअल फंड पर एनआरआई कराधान- पूंजीगत लाभ कर दरें- वित्त वर्ष 2017/2018 (एवाई- 2018-19)
| एनआरआई और टीडीएस दर द्वारा म्युचुअल फंड मोचन | एसटीसीजी और टीडीएस दर | एलटीसीजी और टीडीएस दर | 
|---|---|---|
| एमएफ योजना का प्रकार | ||
| इक्विटी ओरिएंटेड फंड | 15% | शून्य | 
| ऋण निधि | 30% | लिस्टेड फंड्स पर- 20% (इंडेक्सेशन के साथ), अनलिस्टेड फंड्स- 10% (इंडेक्सेशन के बिना) | 
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) Sub Cat. UTI Banking & PSU Debt Fund Growth  ₹22.4418  
 ↑ 0.01 ₹813 1.4 3.4 8 7.6 7 7.6  Banking & PSU Debt  UTI Dynamic Bond Fund Growth  ₹31.3174  
 ↑ 0.03 ₹463 0.3 1.2 6.3 7.1 8.3 8.6  Dynamic Bond  Sundaram Rural and Consumption Fund Growth  ₹100.98  
 ↓ -0.59 ₹1,599 4.7 7.9 4.8 16.8 20.2 20.1  Sectoral  BNP Paribas Multi Cap Fund Growth  ₹73.5154  
 ↓ -0.01 ₹588 -4.6 -2.6 19.3 17.3 13.6     Multi Cap  UTI Short Term Income Fund Growth  ₹32.4089  
 ↑ 0.01 ₹3,251 1.3 3 7.8 7.6 6.9 7.9  Short term Bond  UTI Treasury Advantage Fund Growth  ₹3,630.74  
 ↑ 0.95 ₹3,125 1.5 3.5 7.7 7.5 7.1 7.7  Low Duration  UTI Money Market Fund Growth  ₹3,154.52  
 ↑ 0.52 ₹19,496 1.5 3.4 7.7 7.6 6.2 7.7  Money Market  UTI Ultra Short Term Fund Growth  ₹4,323.22  
 ↑ 0.65 ₹4,181 1.4 3.1 6.8 6.9 6.1 7.2  Ultrashort Bond  Sundaram Mid Cap Fund Growth  ₹1,437.14  
 ↓ -6.95 ₹12,501 4.9 13.5 6.7 24.9 27.2 32  Mid Cap  UTI Bond Fund Growth  ₹74.053  
 ↑ 0.07 ₹324 0.4 0.7 6.1 7.1 8 8.5  Medium to Long term  Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 31 Oct 25   Research Highlights & Commentary of 10 Funds showcased
Commentary UTI Banking & PSU Debt Fund UTI Dynamic Bond Fund Sundaram Rural and Consumption Fund BNP Paribas Multi Cap Fund UTI Short Term Income Fund UTI Treasury Advantage Fund UTI Money Market Fund UTI Ultra Short Term Fund Sundaram Mid Cap Fund UTI Bond Fund Point 1 Lower mid AUM (₹813 Cr). Bottom quartile AUM (₹463 Cr). Lower mid AUM (₹1,599 Cr). Bottom quartile AUM (₹588 Cr). Upper mid AUM (₹3,251 Cr). Upper mid AUM (₹3,125 Cr). Highest AUM (₹19,496 Cr). Upper mid AUM (₹4,181 Cr). Top quartile AUM (₹12,501 Cr). Bottom quartile AUM (₹324 Cr). Point 2 Established history (11+ yrs). Established history (15+ yrs). Established history (19+ yrs). Established history (20+ yrs). Established history (18+ yrs). Established history (18+ yrs). Established history (16+ yrs). Established history (22+ yrs). Established history (23+ yrs). Oldest track record among peers (27 yrs). Point 3 Top rated. Rating: 5★ (top quartile). Rating: 5★ (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: 4★ (bottom quartile). Point 4 Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderate. Risk profile: Moderately Low. Risk profile: Low. Risk profile: Moderately Low. Risk profile: Moderately High. Risk profile: Moderate. Point 5 1Y return: 8.04% (top quartile). 1Y return: 6.34% (bottom quartile). 5Y return: 20.18% (top quartile). 5Y return: 13.57% (upper mid). 1Y return: 7.79% (upper mid). 1Y return: 7.73% (upper mid). 1Y return: 7.68% (upper mid). 1Y return: 6.84% (lower mid). 5Y return: 27.17% (top quartile). 1Y return: 6.15% (bottom quartile). Point 6 1M return: 0.58% (upper mid). 1M return: 0.65% (upper mid). 3Y return: 16.84% (upper mid). 3Y return: 17.28% (top quartile). 1M return: 0.64% (upper mid). 1M return: 0.56% (lower mid). 1M return: 0.49% (bottom quartile). 1M return: 0.47% (bottom quartile). 3Y return: 24.88% (top quartile). 1M return: 0.54% (lower mid). Point 7 Sharpe: 1.46 (upper mid). Sharpe: -0.08 (lower mid). 1Y return: 4.81% (bottom quartile). 1Y return: 19.34% (top quartile). Sharpe: 1.20 (lower mid). Sharpe: 2.55 (upper mid). Sharpe: 3.22 (top quartile). Sharpe: 1.96 (upper mid). 1Y return: 6.71% (lower mid). Sharpe: -0.10 (bottom quartile). Point 8 Information ratio: 0.00 (top quartile). Information ratio: 0.00 (upper mid). Alpha: -2.82 (bottom quartile). Alpha: 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). Alpha: 2.99 (top quartile). Information ratio: 0.00 (bottom quartile). Point 9 Yield to maturity (debt): 6.61% (upper mid). Yield to maturity (debt): 7.15% (top quartile). Sharpe: -0.36 (bottom quartile). Sharpe: 2.86 (top quartile). Yield to maturity (debt): 6.82% (upper mid). Yield to maturity (debt): 6.69% (upper mid). Yield to maturity (debt): 6.22% (lower mid). Yield to maturity (debt): 6.40% (lower mid). Sharpe: -0.33 (bottom quartile). Yield to maturity (debt): 7.20% (top quartile). Point 10 Modified duration: 1.70 yrs (lower mid). Modified duration: 7.16 yrs (bottom quartile). Information ratio: -0.05 (bottom quartile). Information ratio: 0.00 (upper mid). Modified duration: 2.53 yrs (bottom quartile). Modified duration: 0.95 yrs (lower mid). Modified duration: 0.49 yrs (upper mid). Modified duration: 0.41 yrs (upper mid). Information ratio: 0.22 (top quartile). Modified duration: 5.44 yrs (bottom quartile). UTI Banking & PSU Debt Fund
UTI Dynamic Bond Fund
Sundaram Rural and Consumption Fund
BNP Paribas Multi Cap Fund
UTI Short Term Income Fund
UTI Treasury Advantage Fund
UTI Money Market Fund
UTI Ultra Short Term Fund
Sundaram Mid Cap Fund
UTI Bond Fund
 The investment objective of the scheme is to generate steady and reasonable income, with low risk and high level of liquidity from a portfolio of predominantly debt & money market securities by Banks and Public Sector Undertakings (PSUs).   Below is the key information for UTI Banking & PSU Debt Fund   Returns up to 1 year are on   The investment objective of the scheme is to generate optimal returns with adequate liquidity through active management of the portfolio, by investing in debt and money market instruments. However, there can be no assurance that the investment objective of the scheme will be realized.   Research Highlights for UTI Dynamic Bond Fund   Below is the key information for UTI Dynamic Bond Fund   Returns up to 1 year are on   (Erstwhile Sundaram Rural India Fund)   The primary investment objective of the scheme is to generate consistent long-term returns by investing predominantly in equity & equity related instruments of companies that are focusing on Rural India.   Research Highlights for Sundaram Rural and Consumption Fund   Below is the key information for Sundaram Rural and Consumption Fund   Returns up to 1 year are on   (Erstwhile BNP Paribas Dividend Yield Fund)   The investment objective of the scheme is to generate long term capital growth from an actively managed portfolio of equity and equity related securities, primarily being high dividend yield stocks. High dividend yield stocks are
defined as stocks of companies that have a dividend yield in excess of 0.5%, at the time of investment. 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 BNP Paribas Multi Cap Fund   Below is the key information for BNP Paribas Multi Cap 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 - 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 Sundaram Select Midcap Fund)   To achieve capital appreciation by investing
in diversified stocks that are generally termed
as mid-caps.   Research Highlights for Sundaram Mid Cap Fund   Below is the key information for Sundaram Mid Cap 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 1. UTI Banking & PSU Debt Fund
UTI Banking & PSU Debt Fund 
 Growth Launch Date   3 Feb 14  NAV (31 Oct 25)   ₹22.4418  ↑ 0.01   (0.03 %)  Net Assets (Cr)   ₹813 on 31 Aug 25  Category  Debt - Banking & PSU Debt AMC   UTI Asset Management Company Ltd  Rating  ☆☆☆☆☆ Risk  Moderate Expense Ratio  0.54 Sharpe Ratio  1.46 Information Ratio  0 Alpha Ratio  0 Min Investment   5,000  Min SIP Investment   500  Exit Load   NIL  Yield to Maturity  6.61% Effective Maturity  1 Year 11 Months 8 Days Modified Duration  1 Year 8 Months 12 Days  Growth of 10,000 investment over the years. 
Date Value 31 Oct 20 ₹10,000 31 Oct 21 ₹10,298 31 Oct 22 ₹11,261 31 Oct 23 ₹12,014 31 Oct 24 ₹12,979  Returns for UTI Banking & PSU Debt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Oct 25 Duration Returns 1 Month  0.6%  3 Month  1.4%  6 Month  3.4%  1 Year  8%  3 Year  7.6%  5 Year  7%  10 Year    15 Year    Since launch  7.1%   Historical performance (Yearly) on absolute basis 
Year Returns 2024  7.6%  2023  6.7%  2022  10.3%  2021  2.8%  2020  8.9%  2019  -1%  2018  6.8%  2017  6.4%  2016  11.7%  2015  8.6%   Fund Manager information for UTI Banking & PSU Debt Fund 
Name Since Tenure Anurag Mittal 1 Dec 21 3.84 Yr. Data below for UTI Banking & PSU Debt Fund as on 31 Aug 25 
 Asset Allocation 
Asset Class Value Cash 5.57% Debt 94.11% Other 0.33%  Debt Sector Allocation 
Sector Value Corporate 54.57% Government 39.54% Cash Equivalent 5.57%  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% ₹35 Cr 350  National Bank For Agriculture And Rural Development  
Debentures  | -4% ₹31 Cr 3,000  Indian Railway Finance Corporation Limited  
Debentures  | -4% ₹31 Cr 300 2. UTI Dynamic Bond Fund
UTI Dynamic Bond Fund 
 Growth Launch Date   16 Jun 10  NAV (31 Oct 25)   ₹31.3174  ↑ 0.03   (0.09 %)  Net Assets (Cr)   ₹463 on 31 Aug 25  Category  Debt - Dynamic Bond AMC   UTI Asset Management Company Ltd  Rating  ☆☆☆☆☆ Risk  Moderate Expense Ratio  1.54 Sharpe Ratio  -0.08 Information Ratio  0 Alpha Ratio  0 Min Investment   10,000  Min SIP Investment   500  Exit Load   NIL  Yield to Maturity  7.15% Effective Maturity  15 Years 3 Months 7 Days Modified Duration  7 Years 1 Month 28 Days  Growth of 10,000 investment over the years. 
Date Value 31 Oct 20 ₹10,000 31 Oct 21 ₹11,133 31 Oct 22 ₹12,143 31 Oct 23 ₹12,804 31 Oct 24 ₹14,007  Returns for UTI Dynamic Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Oct 25 Duration Returns 1 Month  0.6%  3 Month  0.3%  6 Month  1.2%  1 Year  6.3%  3 Year  7.1%  5 Year  8.3%  10 Year    15 Year    Since launch  7.7%   Historical performance (Yearly) on absolute basis 
Year Returns 2024  8.6%  2023  6.2%  2022  10.1%  2021  10.8%  2020  5.9%  2019  -3.9%  2018  5.2%  2017  4.2%  2016  14.9%  2015  6.9%   Fund Manager information for UTI Dynamic Bond Fund 
Name Since Tenure Pankaj Pathak 8 Apr 25 0.48 Yr. Data below for UTI Dynamic Bond Fund as on 31 Aug 25 
 Asset Allocation 
Asset Class Value Cash 9.05% Debt 90.63% Other 0.32%  Debt Sector Allocation 
Sector Value Government 57.24% Corporate 33.39% Cash Equivalent 9.05%  Credit Quality 
Rating Value AA 6.3% AAA 93.7%  Top Securities Holdings / Portfolio 
Name Holding Value Quantity  6.33% Govt Stock 2035  
Sovereign Bonds  | -13% ₹59 Cr 600,000,000  6.68% Govt Stock 2040  
Sovereign Bonds  | -8% ₹35 Cr 350,000,000  7.02% Govt Stock 2031  
Sovereign Bonds  | -6% ₹26 Cr 250,000,000  Power Finance Corporation Limited  
Debentures  | -6% ₹26 Cr 2,500  National Bank For Agriculture And Rural Development  
Debentures  | -6% ₹26 Cr 2,500  Bharti Telecom Limited  
Debentures  | -6% ₹26 Cr 2,500  Small Industries Development Bank Of India  
Debentures  | -6% ₹26 Cr 2,500  Indian Railway Finance Corporation Limited  
Debentures  | -6% ₹25 Cr 2,500  Bajaj Finance Limited  
Debentures  | -6% ₹25 Cr 2,500  Ntpc Limited  
Debentures  | -5% ₹25 Cr 2,500 3. Sundaram Rural and Consumption Fund
Sundaram Rural and Consumption Fund 
 Growth Launch Date   12 May 06  NAV (31 Oct 25)   ₹100.98  ↓ -0.59   (-0.58 %)  Net Assets (Cr)   ₹1,599 on 31 Aug 25  Category  Equity - Sectoral AMC   Sundaram Asset Management Company Ltd  Rating  ☆☆☆☆☆ Risk  Moderately High Expense Ratio  2.18 Sharpe Ratio  -0.36 Information Ratio  -0.05 Alpha Ratio  -2.82 Min Investment   5,000  Min SIP Investment   100  Exit Load   0-12 Months (1%),12 Months and above(NIL)   Growth of 10,000 investment over the years. 
Date Value 31 Oct 20 ₹10,000 31 Oct 21 ₹14,534 31 Oct 22 ₹15,911 31 Oct 23 ₹18,180 31 Oct 24 ₹23,760  Returns for Sundaram Rural and Consumption Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Oct 25 Duration Returns 1 Month  3.9%  3 Month  4.7%  6 Month  7.9%  1 Year  4.8%  3 Year  16.8%  5 Year  20.2%  10 Year    15 Year    Since launch  12.6%   Historical performance (Yearly) on absolute basis 
Year Returns 2024  20.1%  2023  30.2%  2022  9.3%  2021  19.3%  2020  13.5%  2019  2.7%  2018  -7.8%  2017  38.7%  2016  21.1%  2015  6.3%   Fund Manager information for Sundaram Rural and Consumption Fund 
Name Since Tenure Ratish Varier 1 Jan 22 3.75 Yr. Data below for Sundaram Rural and Consumption Fund as on 31 Aug 25 
 Equity Sector Allocation 
Sector Value Consumer Cyclical 43.86% Consumer Defensive 31.9% Communication Services 11.37% Health Care 3.68% Financial Services 2.92% Real Estate 1.9% Basic Materials 1.42%  Asset Allocation 
Asset Class Value Cash 2.95% Equity 97.05%  Top Securities Holdings / Portfolio 
Name Holding Value Quantity  Bharti Airtel Ltd (Communication Services) 
Equity, Since 31 Oct 22 | BHARTIARTL10% ₹152 Cr 810,559 
 ↑ 21,040  Mahindra & Mahindra Ltd (Consumer Cyclical) 
Equity, Since 30 Apr 22 | M&M9% ₹143 Cr 418,401 
 ↑ 2,228  ITC Ltd (Consumer Defensive) 
Equity, Since 31 Jul 13 | ITC8% ₹124 Cr 3,085,016  Hindustan Unilever Ltd (Consumer Defensive) 
Equity, Since 30 Apr 16 | HINDUNILVR7% ₹112 Cr 446,824 
 ↑ 6,612  Eternal Ltd (Consumer Cyclical) 
Equity, Since 31 May 24 | 5433206% ₹94 Cr 2,892,836  Titan Co Ltd (Consumer Cyclical) 
Equity, Since 29 Feb 20 | TITAN5% ₹72 Cr 212,692  Maruti Suzuki India Ltd (Consumer Cyclical) 
Equity, Since 31 Jul 12 | MARUTI4% ₹65 Cr 40,244 
 ↓ -4,568  Apollo Hospitals Enterprise Ltd (Healthcare) 
Equity, Since 31 Jul 22 | APOLLOHOSP4% ₹59 Cr 79,027  Nestle India Ltd (Consumer Defensive) 
Equity, Since 30 Jun 16 | NESTLEIND3% ₹51 Cr 443,054 
 ↑ 104,714  Safari Industries (India) Ltd (Consumer Cyclical) 
Equity, Since 28 Feb 22 | 5230253% ₹49 Cr 225,560 4. BNP Paribas Multi Cap Fund
BNP Paribas Multi Cap Fund 
 Growth Launch Date   15 Sep 05  NAV (13 Mar 22)   ₹73.5154  ↓ -0.01   (-0.01 %)  Net Assets (Cr)   ₹588 on 31 Jan 22  Category  Equity - Multi Cap AMC   BNP Paribas Asset Mgmt India Pvt. Ltd  Rating  ☆☆☆☆ Risk  Moderately High Expense Ratio  2.44 Sharpe Ratio  2.86 Information Ratio  0 Alpha Ratio  0 Min Investment   5,000  Min SIP Investment   300  Exit Load   0-12 Months (1%),12 Months and above(NIL)   Growth of 10,000 investment over the years. 
Date Value 31 Oct 20 ₹10,000 31 Oct 21 ₹16,584  Returns for BNP Paribas Multi Cap Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Oct 25 Duration Returns 1 Month  -4.4%  3 Month  -4.6%  6 Month  -2.6%  1 Year  19.3%  3 Year  17.3%  5 Year  13.6%  10 Year    15 Year    Since launch  12.9%   Historical performance (Yearly) on absolute basis 
Year Returns 2024    2023    2022    2021    2020    2019    2018    2017    2016    2015     Fund Manager information for BNP Paribas Multi Cap Fund 
Name Since Tenure Data below for BNP Paribas Multi Cap Fund as on 31 Jan 22 
 Equity Sector Allocation 
Sector Value  Asset Allocation 
Asset Class Value  Top Securities Holdings / Portfolio 
Name Holding Value Quantity 5. UTI Short Term Income Fund
UTI Short Term Income Fund 
 Growth Launch Date   19 Sep 07  NAV (31 Oct 25)   ₹32.4089  ↑ 0.01   (0.02 %)  Net Assets (Cr)   ₹3,251 on 31 Aug 25  Category  Debt - Short term Bond AMC   UTI Asset Management Company Ltd  Rating  ☆☆☆☆ Risk  Moderate Expense Ratio  0.85 Sharpe Ratio  1.2 Information Ratio  0 Alpha Ratio  0 Min Investment   10,000  Min SIP Investment   500  Exit Load   NIL  Yield to Maturity  6.82% Effective Maturity  3 Years 2 Months 19 Days Modified Duration  2 Years 6 Months 11 Days  Growth of 10,000 investment over the years. 
Date Value 31 Oct 20 ₹10,000 31 Oct 21 ₹10,908 31 Oct 22 ₹11,240 31 Oct 23 ₹11,989 31 Oct 24 ₹12,975  Returns for UTI Short Term Income Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Oct 25 Duration Returns 1 Month  0.6%  3 Month  1.3%  6 Month  3%  1 Year  7.8%  3 Year  7.6%  5 Year  6.9%  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 0.48 Yr. Sudhir Agarwal 25 Oct 12 12.94 Yr. Data below for UTI Short Term Income Fund as on 31 Aug 25 
 Asset Allocation 
Asset Class Value Cash 15.4% Debt 84.34% Other 0.26%  Debt Sector Allocation 
Sector Value Corporate 64% Government 28.9% Cash Equivalent 6.84%  Credit Quality 
Rating Value AA 8.49% AAA 91.51%  Top Securities Holdings / Portfolio 
Name Holding Value Quantity  6.79% Govt Stock 2034  
Sovereign Bonds  | -9% ₹310 Cr 3,050,000,000  LIC Housing Finance Ltd  
Debentures  | -5% ₹179 Cr 1,750  National Housing Bank  
Debentures  | -5% ₹178 Cr 17,500  Small Industries Development Bank Of India  
Debentures  | -5% ₹178 Cr 17,500  Power Finance Corporation Limited  
Debentures  | -5% ₹177 Cr 17,500  National Bank For Agriculture And Rural Development  
Debentures  | -4% ₹143 Cr 14,000  Export Import Bank Of India  
Debentures  | -4% ₹127 Cr 12,500  Bajaj Finance Limited  
Debentures  | -2% ₹76 Cr 7,500  Kotak Mahindra Prime Limited  
Debentures  | -2% ₹76 Cr 750  Export Import Bank Of India  
Debentures  | -2% ₹76 Cr 7,500 6. UTI Treasury Advantage Fund
UTI Treasury Advantage Fund 
 Growth Launch Date   23 Apr 07  NAV (31 Oct 25)   ₹3,630.74  ↑ 0.95   (0.03 %)  Net Assets (Cr)   ₹3,125 on 31 Aug 25  Category  Debt - Low Duration AMC   UTI Asset Management Company Ltd  Rating  ☆☆☆☆ Risk  Moderately Low Expense Ratio  0.45 Sharpe Ratio  2.55 Information Ratio  0 Alpha Ratio  0 Min Investment   10,000  Min SIP Investment   500  Exit Load   NIL  Yield to Maturity  6.69% Effective Maturity  1 Year 1 Month 10 Days Modified Duration  11 Months 12 Days  Growth of 10,000 investment over the years. 
Date Value 31 Oct 20 ₹10,000 31 Oct 21 ₹10,912 31 Oct 22 ₹11,340 31 Oct 23 ₹12,138 31 Oct 24 ₹13,078  Returns for UTI Treasury Advantage Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Oct 25 Duration Returns 1 Month  0.6%  3 Month  1.5%  6 Month  3.5%  1 Year  7.7%  3 Year  7.5%  5 Year  7.1%  10 Year    15 Year    Since launch  7.2%   Historical performance (Yearly) on absolute basis 
Year Returns 2024  7.7%  2023  7.1%  2022  4.5%  2021  9%  2020  7.3%  2019  -4.2%  2018  7.3%  2017  7%  2016  8.9%  2015  8.8%   Fund Manager information for UTI Treasury Advantage Fund 
Name Since Tenure Anurag Mittal 1 Dec 21 3.84 Yr. Data below for UTI Treasury Advantage Fund as on 31 Aug 25 
 Asset Allocation 
Asset Class Value Cash 17.17% Debt 82.5% Other 0.33%  Debt Sector Allocation 
Sector Value Corporate 64.87% Government 19.08% Cash Equivalent 13.79% Securitized 1.94%  Credit Quality 
Rating Value AA 20.42% AAA 79.58%  Top Securities Holdings / Portfolio 
Name Holding Value Quantity  National Bank For Agriculture And Rural Development  
Debentures  | -4% ₹127 Cr 12,500  Treasury Bills  
Sovereign Bonds  | -4% ₹123 Cr 1,250,000,000  Embassy Office Parks Reit  
Debentures  | -4% ₹120 Cr 1,200  Rec Limited  
Debentures  | -4% ₹101 Cr 10,000  Summit Digitel Infrastructure Limited  
Debentures  | -3% ₹100 Cr 1,000 
 ↑ 750  Sikka Ports & Terminals Limited  
Debentures  | -3% ₹100 Cr 1,000  182 Days Tbill Red 29-01-2026  
Sovereign Bonds  | -3% ₹94 Cr 950,000,000  Nirma Limited  
Debentures  | -3% ₹75 Cr 7,500  Ncd Poonawalla Fincorp Ltd.  
Debentures  | -3% ₹75 Cr 7,500 
 ↑ 7,500  Jamnagar Utilities & Power Private Limited  
Debentures  | -3% ₹75 Cr 750 
 ↑ 250 7. UTI Money Market Fund
UTI Money Market Fund 
 Growth Launch Date   13 Jul 09  NAV (31 Oct 25)   ₹3,154.52  ↑ 0.52   (0.02 %)  Net Assets (Cr)   ₹19,496 on 31 Aug 25  Category  Debt - Money Market AMC   UTI Asset Management Company Ltd  Rating  ☆☆☆☆ Risk  Low Expense Ratio  0.25 Sharpe Ratio  3.22 Information Ratio  0 Alpha Ratio  0 Min Investment   10,000  Min SIP Investment   500  Exit Load   NIL  Yield to Maturity  6.22% Effective Maturity  5 Months 28 Days Modified Duration  5 Months 27 Days  Growth of 10,000 investment over the years. 
Date Value 31 Oct 20 ₹10,000 31 Oct 21 ₹10,371 31 Oct 22 ₹10,825 31 Oct 23 ₹11,632 31 Oct 24 ₹12,530  Returns for UTI Money Market Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Oct 25 Duration Returns 1 Month  0.5%  3 Month  1.5%  6 Month  3.4%  1 Year  7.7%  3 Year  7.6%  5 Year  6.2%  10 Year    15 Year    Since launch  7.3%   Historical performance (Yearly) on absolute basis 
Year Returns 2024  7.7%  2023  7.4%  2022  4.9%  2021  3.7%  2020  6%  2019  8%  2018  7.8%  2017  6.7%  2016  7.7%  2015  8.4%   Fund Manager information for UTI Money Market Fund 
Name Since Tenure Anurag Mittal 1 Dec 21 3.84 Yr. Amit Sharma 7 Jul 17 8.24 Yr. Data below for UTI Money Market Fund as on 31 Aug 25 
 Asset Allocation 
Asset Class Value Cash 86.66% Debt 13.08% Other 0.26%  Debt Sector Allocation 
Sector Value Corporate 46.85% Cash Equivalent 31.16% Government 21.74%  Credit Quality 
Rating Value AAA 100%  Top Securities Holdings / Portfolio 
Name Holding Value Quantity  364 Days Tbill (Md 05/03/2026)  
Sovereign Bonds  | -2% ₹490 Cr 5,000,000,000  364 DTB 19mar2026  
Sovereign Bonds  | -2% ₹489 Cr 5,000,000,000  364 Days Tbill Red 12-03-2026  
Sovereign Bonds  | -1% ₹245 Cr 2,500,000,000  182 Days T-Bill - 19/03/2026  
Sovereign Bonds  | -1% ₹244 Cr 2,500,000,000 
 ↑ 2,500,000,000  364 DTB 12022026  
Sovereign Bonds  | -1% ₹196 Cr 2,000,000,000  364 DTB 27022026  
Sovereign Bonds  | -1% ₹196 Cr 2,000,000,000  182 Days Tbill Red 28-05-2026  
Sovereign Bonds  | -1% ₹173 Cr 1,750,000,000  HDFC Bank Ltd.  
Debentures  | -1% ₹146 Cr 1,500,000,000  Equitas Small Finance Bank Ltd.  
Debentures  | -1% ₹146 Cr 1,500,000,000  India (Republic of)  
-  | -1% ₹119 Cr 1,206,770,000 8. UTI Ultra Short Term Fund
UTI Ultra Short Term Fund 
 Growth Launch Date   29 Aug 03  NAV (31 Oct 25)   ₹4,323.22  ↑ 0.65   (0.01 %)  Net Assets (Cr)   ₹4,181 on 31 Aug 25  Category  Debt - Ultrashort Bond AMC   UTI Asset Management Company Ltd  Rating  ☆☆☆☆ Risk  Moderately Low Expense Ratio  0.93 Sharpe Ratio  1.96 Information Ratio  0 Alpha Ratio  0 Min Investment   5,000  Min SIP Investment   500  Exit Load   NIL  Yield to Maturity  6.4% Effective Maturity  5 Months 19 Days Modified Duration  4 Months 28 Days  Growth of 10,000 investment over the years. 
Date Value 31 Oct 20 ₹10,000 31 Oct 21 ₹10,628 31 Oct 22 ₹11,019 31 Oct 23 ₹11,762 31 Oct 24 ₹12,608  Returns for UTI Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Oct 25 Duration Returns 1 Month  0.5%  3 Month  1.4%  6 Month  3.1%  1 Year  6.8%  3 Year  6.9%  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 0.69 Yr. Data below for UTI Ultra Short Term Fund as on 31 Aug 25 
 Asset Allocation 
Asset Class Value Cash 53.38% Debt 46.32% Other 0.31%  Debt Sector Allocation 
Sector Value Corporate 56.1% Cash Equivalent 28.7% Government 14.89%  Credit Quality 
Rating Value AA 16.58% AAA 83.42%  Top Securities Holdings / Portfolio 
Name Holding Value Quantity  182 Days T-Bill - 09/04/2026  
Sovereign Bonds  | -5% ₹195 Cr 2,000,000,000 
 ↑ 2,000,000,000  National Bank For Agriculture And Rural Development  
Debentures  | -4% ₹151 Cr 15,000 
 ↑ 5,000  TATA Communications Limited  
Debentures  | -2% ₹101 Cr 10,000  Shriram Finance Limited  
Debentures  | -2% ₹101 Cr 10,000  National Bank For Agriculture And Rural Development  
Debentures  | -2% ₹101 Cr 10,000  LIC Housing Finance Ltd  
Debentures  | -2% ₹100 Cr 1,000  Bajaj Housing Finance Limited  
Debentures  | -2% ₹75 Cr 750  Small Industries Development Bank Of India  
Debentures  | -2% ₹75 Cr 750  Piramal Finance Limited  
Debentures  | -2% ₹75 Cr 7,500 
 ↑ 7,500  Jamnagar Utilities & Power Private Limited  
Debentures  | -2% ₹75 Cr 750 9. Sundaram Mid Cap Fund
Sundaram Mid Cap Fund 
 Growth Launch Date   30 Jul 02  NAV (31 Oct 25)   ₹1,437.14  ↓ -6.95   (-0.48 %)  Net Assets (Cr)   ₹12,501 on 31 Aug 25  Category  Equity - Mid Cap AMC   Sundaram Asset Management Company Ltd  Rating  ☆☆☆☆ Risk  Moderately High Expense Ratio  1.75 Sharpe Ratio  -0.33 Information Ratio  0.22 Alpha Ratio  2.99 Min Investment   5,000  Min SIP Investment   100  Exit Load   0-12 Months (1%),12 Months and above(NIL)   Growth of 10,000 investment over the years. 
Date Value 31 Oct 20 ₹10,000 31 Oct 21 ₹16,282 31 Oct 22 ₹17,269 31 Oct 23 ₹20,504 31 Oct 24 ₹31,197  Returns for Sundaram Mid Cap Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Oct 25 Duration Returns 1 Month  5.7%  3 Month  4.9%  6 Month  13.5%  1 Year  6.7%  3 Year  24.9%  5 Year  27.2%  10 Year    15 Year    Since launch  23.8%   Historical performance (Yearly) on absolute basis 
Year Returns 2024  32%  2023  40.4%  2022  4.8%  2021  37.5%  2020  11.8%  2019  -0.3%  2018  -15.4%  2017  40.8%  2016  11.3%  2015  11.2%   Fund Manager information for Sundaram Mid Cap Fund 
Name Since Tenure S. Bharath 24 Feb 21 4.6 Yr. Ratish Varier 24 Feb 21 4.6 Yr. Data below for Sundaram Mid Cap Fund as on 31 Aug 25 
 Equity Sector Allocation 
Sector Value Financial Services 19.58% Consumer Cyclical 17.35% Industrials 14.8% Health Care 11.72% Basic Materials 10.47% Consumer Defensive 6.31% Technology 5.48% Real Estate 3.58% Utility 2.52% Energy 2.16% Communication Services 2.15%  Asset Allocation 
Asset Class Value Cash 3.85% Equity 96.13% Other 0%  Top Securities Holdings / Portfolio 
Name Holding Value Quantity  Cummins India Ltd (Industrials) 
Equity, Since 31 Dec 17 | 5004804% ₹500 Cr 1,273,753 
 ↓ -16,374  Coromandel International Ltd (Basic Materials) 
Equity, Since 30 Nov 10 | 5063953% ₹385 Cr 1,712,601  Fortis Healthcare Ltd (Healthcare) 
Equity, Since 31 Dec 21 | 5328433% ₹368 Cr 3,791,187 
 ↓ -88,062  GE Vernova T&D India Ltd (Industrials) 
Equity, Since 30 Sep 24 | 5222753% ₹349 Cr 1,179,542  Mahindra & Mahindra Financial Services Ltd (Financial Services) 
Equity, Since 31 Jan 24 | M&MFIN3% ₹328 Cr 11,920,703  Lupin Ltd (Healthcare) 
Equity, Since 31 Jan 23 | 5002572% ₹300 Cr 1,569,363  Hindustan Petroleum Corp Ltd (Energy) 
Equity, Since 31 Oct 21 | HINDPETRO2% ₹272 Cr 6,144,382  Indian Bank (Financial Services) 
Equity, Since 31 Jul 23 | 5328142% ₹270 Cr 3,602,269 
 ↓ -324,199  IDFC First Bank Ltd (Financial Services) 
Equity, Since 30 Jun 25 | IDFCFIRSTB2% ₹262 Cr 37,611,985 
 ↑ 1,979,784  Marico Ltd (Consumer Defensive) 
Equity, Since 30 Jun 24 | 5316422% ₹255 Cr 3,660,354 
 ↑ 161,343 10. UTI Bond Fund
UTI Bond Fund 
 Growth Launch Date   4 May 98  NAV (31 Oct 25)   ₹74.053  ↑ 0.07   (0.09 %)  Net Assets (Cr)   ₹324 on 31 Aug 25  Category  Debt - Medium to Long term AMC   UTI Asset Management Company Ltd  Rating  ☆☆☆☆ Risk  Moderate Expense Ratio  1.62 Sharpe Ratio  -0.1 Information Ratio  0 Alpha Ratio  0 Min Investment   1,000  Min SIP Investment   500  Exit Load   NIL  Yield to Maturity  7.2% Effective Maturity  9 Years 3 Months 25 Days Modified Duration  5 Years 5 Months 8 Days  Growth of 10,000 investment over the years. 
Date Value 31 Oct 20 ₹10,000 31 Oct 21 ₹10,999 31 Oct 22 ₹11,921 31 Oct 23 ₹12,645 31 Oct 24 ₹13,819  Returns for UTI Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Oct 25 Duration Returns 1 Month  0.5%  3 Month  0.4%  6 Month  0.7%  1 Year  6.1%  3 Year  7.1%  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 2.46 Yr. Data below for UTI Bond Fund as on 31 Aug 25 
 Asset Allocation 
Asset Class Value Cash 2.58% Debt 97.13% Other 0.29%  Debt Sector Allocation 
Sector Value Government 56.75% Corporate 34.06% Securitized 6.32% Cash Equivalent 2.58%  Credit Quality 
Rating Value AA 11.38% AAA 88.62%  Top Securities Holdings / Portfolio 
Name Holding Value Quantity  6.92% Govt Stock 2039  
Sovereign Bonds  | -38% ₹121 Cr 1,190,000,000  LIC Housing Finance Ltd  
Debentures  | -8% ₹26 Cr 250  Hdb Financial Services Limited  
Debentures  | -8% ₹25 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  SIDDHIVINAYAK SECURITISATION TRUST  
Unlisted bonds  | -6% ₹20 Cr 20  Cholamandalam Investment And Finance Company Limited  
Debentures  | -5% ₹15 Cr 1,500  Aditya Birla Renewables Limited  
Debentures  | -5% ₹15 Cr 1,500  INDIA UNIVERSAL TRUST AL1  
Unlisted bonds  | -4% ₹14 Cr 15  Bajaj Finance Limited  
Debentures  | -2% ₹7 Cr 700 
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