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भारत में मलेशिया स्थित एनआरआई निवेश के लिए म्युचुअल फंड

Updated on January 18, 2026 , 2272 views

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।

NRI-Malaysia

मलेशिया में रहने वाले अनिवासी भारतीयों के लिए म्युचुअल फंड निवेश

भारत में म्यूचुअल फंड में निवेश करने के लिए किसी भारतीय के साथ निम्नलिखित में से कोई भी खाता खोलना चाहिएबैंक:

एनआरई खाता

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 खाता

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।

एफसीएनआर खाता

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।

म्यूचुअल फंड में निवेश करने के लिए एनआरआई के लिए केवाईसी प्रक्रिया

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:

ए। केवाईसी फॉर्म

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।

बी। दस्तावेज़

निम्नलिखित आवश्यक दस्तावेज हैं जिन्हें जमा करने की आवश्यकता है:

  • विदेशी पते का प्रमाण
  • भारतीय निवासी पता प्रमाण
  • हाल की एक तस्वीर
  • पासपोर्ट की कॉपी

मर्चेंट नेवी में अनिवासी भारतीयों के मामले में, एक नाविक की घोषणा या निरंतर निर्वहन प्रमाणपत्र की प्रमाणित प्रति प्रस्तुत की जानी चाहिए।

बनाम प्रमाणपत्र

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।

डी। व्यक्तिगत सत्यापन (आईपीवी) में

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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अनिवासी भारतीय (एनआरआई) म्युचुअल फंड कराधान

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)

लाभांश पर म्युचुअल फंड कराधान

  • 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)

मलेशिया आधारित-एनआरआई के लिए निवेश करने के लिए सर्वश्रेष्ठ म्युचुअल फंड

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2024 (%)Sub Cat.
UTI Banking & PSU Debt Fund Growth ₹22.5864
↓ -0.01
₹1,0150.82.27.37.277.8 Banking & PSU Debt
UTI Dynamic Bond Fund Growth ₹31.4128
↓ -0.02
₹4300.20.55.76.78.36 Dynamic Bond
Sundaram Rural and Consumption Fund Growth ₹92.1309
↓ -1.93
₹1,584-9.6-5.4-1.715.113.4-0.1 Sectoral
BNP Paribas Multi Cap Fund Growth ₹73.5154
↓ -0.01
₹588-4.6-2.619.317.313.6 Multi Cap
UTI Money Market Fund Growth ₹3,190.52
↓ -0.18
₹19,3011.32.87.27.56.37.5 Money Market
UTI Treasury Advantage Fund Growth ₹3,665.77
↓ -0.70
₹2,6671.12.77.27.37.27.5 Low Duration
UTI Short Term Income Fund Growth ₹32.5402
↓ -0.01
₹3,1810.51.86.87.26.97.3 Short term Bond
UTI Ultra Short Term Fund Growth ₹4,367.97
↑ 0.06
₹3,6551.22.66.46.86.26.6 Ultrashort Bond
Sundaram Mid Cap Fund Growth ₹1,373.4
↓ -25.39
₹13,293-3.6-15.823.420.44.1 Mid Cap
UTI Regular Savings Fund Growth ₹69.8446
↓ -0.26
₹1,703-0.80.15.59.28.66.1 Hybrid Debt
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 20 Jan 26

Research Highlights & Commentary of 10 Funds showcased

CommentaryUTI Banking & PSU Debt FundUTI Dynamic Bond FundSundaram Rural and Consumption FundBNP Paribas Multi Cap FundUTI Money Market FundUTI Treasury Advantage FundUTI Short Term Income FundUTI Ultra Short Term FundSundaram Mid Cap FundUTI Regular Savings Fund
Point 1Bottom quartile AUM (₹1,015 Cr).Bottom quartile AUM (₹430 Cr).Lower mid AUM (₹1,584 Cr).Bottom quartile AUM (₹588 Cr).Highest AUM (₹19,301 Cr).Upper mid AUM (₹2,667 Cr).Upper mid AUM (₹3,181 Cr).Upper mid AUM (₹3,655 Cr).Top quartile AUM (₹13,293 Cr).Lower mid AUM (₹1,703 Cr).
Point 2Established history (11+ yrs).Established history (15+ yrs).Established history (19+ yrs).Established history (20+ yrs).Established history (16+ yrs).Established history (18+ yrs).Established history (18+ yrs).Established history (22+ yrs).Oldest track record among peers (23 yrs).Established history (22+ yrs).
Point 3Top 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 4Risk profile: Moderate.Risk profile: Moderate.Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Low.Risk profile: Moderately Low.Risk profile: Moderate.Risk profile: Moderately Low.Risk profile: Moderately High.Risk profile: Moderately High.
Point 51Y return: 7.29% (top quartile).1Y return: 5.68% (bottom quartile).5Y return: 13.40% (upper mid).5Y return: 13.57% (top quartile).1Y return: 7.23% (upper mid).1Y return: 7.20% (upper mid).1Y return: 6.81% (upper mid).1Y return: 6.42% (lower mid).5Y return: 20.38% (top quartile).5Y return: 8.63% (upper mid).
Point 61M return: 0.09% (upper mid).1M return: -0.10% (lower mid).3Y return: 15.06% (upper mid).3Y return: 17.28% (top quartile).1M return: 0.37% (top quartile).1M return: 0.25% (upper mid).1M return: 0.00% (upper mid).1M return: 0.34% (top quartile).3Y return: 23.43% (top quartile).3Y return: 9.22% (upper mid).
Point 7Sharpe: 1.48 (upper mid).Sharpe: 0.00 (bottom quartile).1Y return: -1.66% (bottom quartile).1Y return: 19.34% (top quartile).Sharpe: 3.02 (top quartile).Sharpe: 2.59 (upper mid).Sharpe: 0.96 (lower mid).Sharpe: 1.85 (upper mid).1Y return: 5.80% (lower mid).1Y return: 5.46% (bottom quartile).
Point 8Information ratio: 0.00 (top quartile).Information ratio: 0.00 (upper mid).Alpha: -8.82 (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: -1.77 (bottom quartile).1M return: -0.74% (lower mid).
Point 9Yield to maturity (debt): 6.67% (lower mid).Yield to maturity (debt): 6.99% (upper mid).Sharpe: -0.38 (bottom quartile).Sharpe: 2.86 (top quartile).Yield to maturity (debt): 6.33% (lower mid).Yield to maturity (debt): 7.02% (top quartile).Yield to maturity (debt): 7.02% (upper mid).Yield to maturity (debt): 6.78% (upper mid).Sharpe: -0.01 (bottom quartile).Alpha: 0.00 (bottom quartile).
Point 10Modified duration: 1.28 yrs (lower mid).Modified duration: 3.35 yrs (bottom quartile).Information ratio: -0.52 (bottom quartile).Information ratio: 0.00 (upper mid).Modified duration: 0.35 yrs (upper mid).Modified duration: 0.92 yrs (lower mid).Modified duration: 2.51 yrs (bottom quartile).Modified duration: 0.47 yrs (upper mid).Information ratio: 0.13 (top quartile).Sharpe: 0.02 (lower mid).

UTI Banking & PSU Debt Fund

  • Bottom quartile AUM (₹1,015 Cr).
  • Established history (11+ yrs).
  • Top rated.
  • Risk profile: Moderate.
  • 1Y return: 7.29% (top quartile).
  • 1M return: 0.09% (upper mid).
  • Sharpe: 1.48 (upper mid).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 6.67% (lower mid).
  • Modified duration: 1.28 yrs (lower mid).

UTI Dynamic Bond Fund

  • Bottom quartile AUM (₹430 Cr).
  • Established history (15+ yrs).
  • Rating: 5★ (top quartile).
  • Risk profile: Moderate.
  • 1Y return: 5.68% (bottom quartile).
  • 1M return: -0.10% (lower mid).
  • Sharpe: 0.00 (bottom quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 6.99% (upper mid).
  • Modified duration: 3.35 yrs (bottom quartile).

Sundaram Rural and Consumption Fund

  • Lower mid AUM (₹1,584 Cr).
  • Established history (19+ yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 13.40% (upper mid).
  • 3Y return: 15.06% (upper mid).
  • 1Y return: -1.66% (bottom quartile).
  • Alpha: -8.82 (bottom quartile).
  • Sharpe: -0.38 (bottom quartile).
  • Information ratio: -0.52 (bottom quartile).

BNP Paribas Multi Cap Fund

  • Bottom quartile AUM (₹588 Cr).
  • Established history (20+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 13.57% (top quartile).
  • 3Y return: 17.28% (top quartile).
  • 1Y return: 19.34% (top quartile).
  • Alpha: 0.00 (upper mid).
  • Sharpe: 2.86 (top quartile).
  • Information ratio: 0.00 (upper mid).

UTI Money Market Fund

  • Highest AUM (₹19,301 Cr).
  • Established history (16+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 7.23% (upper mid).
  • 1M return: 0.37% (top quartile).
  • Sharpe: 3.02 (top quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 6.33% (lower mid).
  • Modified duration: 0.35 yrs (upper mid).

UTI Treasury Advantage Fund

  • Upper mid AUM (₹2,667 Cr).
  • Established history (18+ yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: Moderately Low.
  • 1Y return: 7.20% (upper mid).
  • 1M return: 0.25% (upper mid).
  • Sharpe: 2.59 (upper mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 7.02% (top quartile).
  • Modified duration: 0.92 yrs (lower mid).

UTI Short Term Income Fund

  • Upper mid AUM (₹3,181 Cr).
  • Established history (18+ yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: Moderate.
  • 1Y return: 6.81% (upper mid).
  • 1M return: 0.00% (upper mid).
  • Sharpe: 0.96 (lower mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 7.02% (upper mid).
  • Modified duration: 2.51 yrs (bottom quartile).

UTI Ultra Short Term Fund

  • Upper mid AUM (₹3,655 Cr).
  • Established history (22+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 6.42% (lower mid).
  • 1M return: 0.34% (top quartile).
  • Sharpe: 1.85 (upper mid).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.78% (upper mid).
  • Modified duration: 0.47 yrs (upper mid).

Sundaram Mid Cap Fund

  • Top quartile AUM (₹13,293 Cr).
  • Oldest track record among peers (23 yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 20.38% (top quartile).
  • 3Y return: 23.43% (top quartile).
  • 1Y return: 5.80% (lower mid).
  • Alpha: -1.77 (bottom quartile).
  • Sharpe: -0.01 (bottom quartile).
  • Information ratio: 0.13 (top quartile).

UTI Regular Savings Fund

  • Lower mid AUM (₹1,703 Cr).
  • Established history (22+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 8.63% (upper mid).
  • 3Y return: 9.22% (upper mid).
  • 1Y return: 5.46% (bottom quartile).
  • 1M return: -0.74% (lower mid).
  • Alpha: 0.00 (bottom quartile).
  • Sharpe: 0.02 (lower mid).

1. 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).

Research Highlights for UTI Banking & PSU Debt Fund

  • Bottom quartile AUM (₹1,015 Cr).
  • Established history (11+ yrs).
  • Top rated.
  • Risk profile: Moderate.
  • 1Y return: 7.29% (top quartile).
  • 1M return: 0.09% (upper mid).
  • Sharpe: 1.48 (upper mid).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 6.67% (lower mid).
  • Modified duration: 1.28 yrs (lower mid).
  • Average maturity: 1.44 yrs (lower mid).
  • Exit load: NIL.
  • Top bond sector: Corporate.
  • Debt-heavy allocation (~88%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding 7.38% Govt Stock 2027 (~8.6%).

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

UTI Banking & PSU Debt Fund
Growth
Launch Date 3 Feb 14
NAV (20 Jan 26) ₹22.5864 ↓ -0.01   (-0.04 %)
Net Assets (Cr) ₹1,015 on 31 Dec 25
Category Debt - Banking & PSU Debt
AMC UTI Asset Management Company Ltd
Rating
Risk Moderate
Expense Ratio 0.54
Sharpe Ratio 1.48
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.67%
Effective Maturity 1 Year 5 Months 8 Days
Modified Duration 1 Year 3 Months 11 Days

Growth of 10,000 investment over the years.

DateValue
31 Dec 20₹10,000
31 Dec 21₹10,282
31 Dec 22₹11,342
31 Dec 23₹12,097
31 Dec 24₹13,021
31 Dec 25₹14,037

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 20 Jan 26

DurationReturns
1 Month 0.1%
3 Month 0.8%
6 Month 2.2%
1 Year 7.3%
3 Year 7.2%
5 Year 7%
10 Year
15 Year
Since launch 7%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.8%
2023 7.6%
2022 6.7%
2021 10.3%
2020 2.8%
2019 8.9%
2018 -1%
2017 6.8%
2016 6.4%
2015 11.7%
Fund Manager information for UTI Banking & PSU Debt Fund
NameSinceTenure
Anurag Mittal1 Dec 214.09 Yr.

Data below for UTI Banking & PSU Debt Fund as on 31 Dec 25

Asset Allocation
Asset ClassValue
Cash11.8%
Debt87.93%
Other0.27%
Debt Sector Allocation
SectorValue
Corporate57.66%
Government31.19%
Cash Equivalent10.87%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.38% Govt Stock 2027
Sovereign Bonds | -
9%₹87 Cr850,000,000
↓ -50,000,000
Kotak Mahindra Bank Ltd.
Debentures | -
7%₹71 Cr750,000,000
↑ 750,000,000
Axis Bank Limited
Debentures | -
5%₹55 Cr550
Export Import Bank Of India
Debentures | -
5%₹51 Cr5,000
Small Industries Development Bank Of India
Debentures | -
5%₹51 Cr5,000
Power Finance Corporation Limited
Debentures | -
4%₹41 Cr400
Rural Electrification Corporation Limited
Debentures | -
4%₹36 Cr3,500
National Housing Bank
Debentures | -
3%₹35 Cr3,500
HDFC Bank Limited
Debentures | -
3%₹35 Cr350
National Bank For Agriculture And Rural Development
Debentures | -
3%₹30 Cr3,000

2. 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.

Research Highlights for UTI Dynamic Bond Fund

  • Bottom quartile AUM (₹430 Cr).
  • Established history (15+ yrs).
  • Rating: 5★ (top quartile).
  • Risk profile: Moderate.
  • 1Y return: 5.68% (bottom quartile).
  • 1M return: -0.10% (lower mid).
  • Sharpe: 0.00 (bottom quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 6.99% (upper mid).
  • Modified duration: 3.35 yrs (bottom quartile).
  • Average maturity: 4.27 yrs (bottom quartile).
  • Exit load: NIL.
  • Top bond sector: Corporate.
  • Debt-heavy allocation (~94%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding 7.02% Govt Stock 2031 (~17.9%).

Below is the key information for UTI Dynamic Bond Fund

UTI Dynamic Bond Fund
Growth
Launch Date 16 Jun 10
NAV (20 Jan 26) ₹31.4128 ↓ -0.02   (-0.05 %)
Net Assets (Cr) ₹430 on 31 Dec 25
Category Debt - Dynamic Bond
AMC UTI Asset Management Company Ltd
Rating
Risk Moderate
Expense Ratio 1.54
Sharpe Ratio 0
Information Ratio 0
Alpha Ratio 0
Min Investment 10,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.99%
Effective Maturity 4 Years 3 Months 7 Days
Modified Duration 3 Years 4 Months 6 Days

Growth of 10,000 investment over the years.

DateValue
31 Dec 20₹10,000
31 Dec 21₹11,080
31 Dec 22₹12,195
31 Dec 23₹12,951
31 Dec 24₹14,065
31 Dec 25₹14,914

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 20 Jan 26

DurationReturns
1 Month -0.1%
3 Month 0.2%
6 Month 0.5%
1 Year 5.7%
3 Year 6.7%
5 Year 8.3%
10 Year
15 Year
Since launch 7.6%
Historical performance (Yearly) on absolute basis
YearReturns
2024 6%
2023 8.6%
2022 6.2%
2021 10.1%
2020 10.8%
2019 5.9%
2018 -3.9%
2017 5.2%
2016 4.2%
2015 14.9%
Fund Manager information for UTI Dynamic Bond Fund
NameSinceTenure
Pankaj Pathak8 Apr 250.73 Yr.

Data below for UTI Dynamic Bond Fund as on 31 Dec 25

Asset Allocation
Asset ClassValue
Cash5.48%
Debt94.18%
Other0.34%
Debt Sector Allocation
SectorValue
Corporate54.36%
Government39.82%
Cash Equivalent5.48%
Credit Quality
RatingValue
AA1.58%
AAA98.42%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.02% Govt Stock 2031
Sovereign Bonds | -
18%₹77 Cr750,000,000
↑ 250,000,000
LIC Housing Finance Ltd
Debentures | -
6%₹26 Cr250
Power Finance Corporation Limited
Debentures | -
6%₹26 Cr2,500
National Bank For Agriculture And Rural Development
Debentures | -
6%₹26 Cr2,500
Bharti Telecom Limited
Debentures | -
6%₹25 Cr2,500
Jamnagar Utilities & Power Private Limited
Debentures | -
6%₹25 Cr2,500
Small Industries Development Bank Of India
Debentures | -
6%₹25 Cr2,500
National Housing Bank
Debentures | -
6%₹25 Cr2,500
6.48% Govt Stock 2035
Sovereign Bonds | -
5%₹21 Cr206,970,000
↑ 200,000,000
Can Fin Homes Limited
Debentures | -
5%₹20 Cr2,000

3. Sundaram Rural and Consumption Fund

(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

  • Lower mid AUM (₹1,584 Cr).
  • Established history (19+ yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 13.40% (upper mid).
  • 3Y return: 15.06% (upper mid).
  • 1Y return: -1.66% (bottom quartile).
  • Alpha: -8.82 (bottom quartile).
  • Sharpe: -0.38 (bottom quartile).
  • Information ratio: -0.52 (bottom quartile).
  • Higher exposure to Consumer Cyclical vs peer median.
  • Top bond sector: Cash Equivalent.
  • Equity-heavy allocation (~99%).
  • Largest holding Bharti Airtel Ltd (~10.8%).

Below is the key information for Sundaram Rural and Consumption Fund

Sundaram Rural and Consumption Fund
Growth
Launch Date 12 May 06
NAV (20 Jan 26) ₹92.1309 ↓ -1.93   (-2.05 %)
Net Assets (Cr) ₹1,584 on 31 Dec 25
Category Equity - Sectoral
AMC Sundaram Asset Management Company Ltd
Rating
Risk Moderately High
Expense Ratio 2.18
Sharpe Ratio -0.38
Information Ratio -0.52
Alpha Ratio -8.82
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.

DateValue
31 Dec 20₹10,000
31 Dec 21₹11,935
31 Dec 22₹13,050
31 Dec 23₹16,998
31 Dec 24₹20,413
31 Dec 25₹20,399

Sundaram Rural and Consumption Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹426,080.
Net Profit of ₹126,080
Invest Now

Returns for Sundaram Rural and Consumption Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Jan 26

DurationReturns
1 Month -5.1%
3 Month -9.6%
6 Month -5.4%
1 Year -1.7%
3 Year 15.1%
5 Year 13.4%
10 Year
15 Year
Since launch 11.9%
Historical performance (Yearly) on absolute basis
YearReturns
2024 -0.1%
2023 20.1%
2022 30.2%
2021 9.3%
2020 19.3%
2019 13.5%
2018 2.7%
2017 -7.8%
2016 38.7%
2015 21.1%
Fund Manager information for Sundaram Rural and Consumption Fund
NameSinceTenure
Ratish Varier1 Jan 224 Yr.

Data below for Sundaram Rural and Consumption Fund as on 31 Dec 25

Equity Sector Allocation
SectorValue
Consumer Cyclical46.69%
Consumer Defensive28.55%
Communication Services12.61%
Health Care3.72%
Financial Services3.1%
Real Estate1.96%
Basic Materials1.68%
Industrials0.53%
Asset Allocation
Asset ClassValue
Cash1.17%
Equity98.83%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Oct 22 | BHARTIARTL
11%₹171 Cr810,559
Mahindra & Mahindra Ltd (Consumer Cyclical)
Equity, Since 30 Apr 22 | M&M
10%₹157 Cr423,056
ITC Ltd (Consumer Defensive)
Equity, Since 31 Jul 13 | ITC
8%₹124 Cr3,085,016
Hindustan Unilever Ltd (Consumer Defensive)
Equity, Since 30 Apr 16 | HINDUNILVR
7%₹103 Cr446,824
Titan Co Ltd (Consumer Cyclical)
Equity, Since 29 Feb 20 | TITAN
5%₹86 Cr212,692
Eternal Ltd (Consumer Cyclical)
Equity, Since 31 May 24 | 543320
5%₹80 Cr2,892,836
Maruti Suzuki India Ltd (Consumer Cyclical)
Equity, Since 31 Jul 12 | MARUTI
4%₹71 Cr42,610
↑ 2,366
Apollo Hospitals Enterprise Ltd (Healthcare)
Equity, Since 31 Jul 22 | APOLLOHOSP
4%₹59 Cr83,568
↑ 4,541
Nestle India Ltd (Consumer Defensive)
Equity, Since 30 Jun 16 | NESTLEIND
4%₹57 Cr443,054
Trent Ltd (Consumer Cyclical)
Equity, Since 29 Feb 24 | 500251
3%₹50 Cr116,393
↑ 11,623

4. BNP Paribas Multi Cap Fund

(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

  • Bottom quartile AUM (₹588 Cr).
  • Established history (20+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 13.57% (top quartile).
  • 3Y return: 17.28% (top quartile).
  • 1Y return: 19.34% (top quartile).
  • Alpha: 0.00 (upper mid).
  • Sharpe: 2.86 (top quartile).
  • Information ratio: 0.00 (upper mid).

Below is the key information for 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.

DateValue
31 Dec 20₹10,000
31 Dec 21₹13,834

BNP Paribas Multi Cap Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹426,080.
Net Profit of ₹126,080
Invest Now

Returns for BNP Paribas Multi Cap Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Jan 26

DurationReturns
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
YearReturns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
Fund Manager information for BNP Paribas Multi Cap Fund
NameSinceTenure

Data below for BNP Paribas Multi Cap Fund as on 31 Jan 22

Equity Sector Allocation
SectorValue
Asset Allocation
Asset ClassValue
Top Securities Holdings / Portfolio
NameHoldingValueQuantity

5. 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.

Research Highlights for UTI Money Market Fund

  • Highest AUM (₹19,301 Cr).
  • Established history (16+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 7.23% (upper mid).
  • 1M return: 0.37% (top quartile).
  • Sharpe: 3.02 (top quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 6.33% (lower mid).
  • Modified duration: 0.35 yrs (upper mid).
  • Average maturity: 0.35 yrs (upper mid).
  • Exit load: NIL.
  • Top sector: Real Estate.
  • Top bond sector: Corporate.
  • Conservative stance with elevated cash (~79%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding Canara Bank (~3.5%).

Below is the key information for UTI Money Market Fund

UTI Money Market Fund
Growth
Launch Date 13 Jul 09
NAV (20 Jan 26) ₹3,190.52 ↓ -0.18   (-0.01 %)
Net Assets (Cr) ₹19,301 on 31 Dec 25
Category Debt - Money Market
AMC UTI Asset Management Company Ltd
Rating
Risk Low
Expense Ratio 0.25
Sharpe Ratio 3.02
Information Ratio 0
Alpha Ratio 0
Min Investment 10,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.33%
Effective Maturity 4 Months 6 Days
Modified Duration 4 Months 6 Days

Growth of 10,000 investment over the years.

DateValue
31 Dec 20₹10,000
31 Dec 21₹10,375
31 Dec 22₹10,885
31 Dec 23₹11,694
31 Dec 24₹12,599
31 Dec 25₹13,542

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 20 Jan 26

DurationReturns
1 Month 0.4%
3 Month 1.3%
6 Month 2.8%
1 Year 7.2%
3 Year 7.5%
5 Year 6.3%
10 Year
15 Year
Since launch 7.3%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.5%
2023 7.7%
2022 7.4%
2021 4.9%
2020 3.7%
2019 6%
2018 8%
2017 7.8%
2016 6.7%
2015 7.7%
Fund Manager information for UTI Money Market Fund
NameSinceTenure
Anurag Mittal1 Dec 214.09 Yr.
Amit Sharma7 Jul 178.49 Yr.

Data below for UTI Money Market Fund as on 31 Dec 25

Asset Allocation
Asset ClassValue
Cash79.18%
Debt20.54%
Other0.28%
Debt Sector Allocation
SectorValue
Corporate51.98%
Cash Equivalent31.85%
Government15.9%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Canara Bank
Domestic Bonds | -
4%₹682 Cr7,000,000,000
↑ 5,000,000,000
Indusind Bank Ltd.
Debentures | -
3%₹536 Cr5,500,000,000
364 DTB 19mar2026
Sovereign Bonds | -
3%₹495 Cr5,000,000,000
India (Republic of)
- | -
3%₹488 Cr5,000,000,000
↑ 5,000,000,000
Union Bank of India
Domestic Bonds | -
2%₹391 Cr4,000,000,000
Tbill
Sovereign Bonds | -
2%₹343 Cr3,500,000,000
Kotak Mahindra Bank Ltd.
Debentures | -
1%₹288 Cr3,000,000,000
T-Bill
Sovereign Bonds | -
1%₹196 Cr2,000,000,000
India (Republic of)
- | -
1%₹195 Cr2,000,000,000
↑ 2,000,000,000
Indian Bank
Domestic Bonds | -
1%₹190 Cr2,000,000,000

6. 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.

Research Highlights for UTI Treasury Advantage Fund

  • Upper mid AUM (₹2,667 Cr).
  • Established history (18+ yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: Moderately Low.
  • 1Y return: 7.20% (upper mid).
  • 1M return: 0.25% (upper mid).
  • Sharpe: 2.59 (upper mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 7.02% (top quartile).
  • Modified duration: 0.92 yrs (lower mid).
  • Average maturity: 1.17 yrs (lower mid).
  • Exit load: NIL.
  • Higher exposure to Corporate (bond sector) vs peer median.
  • Debt-heavy allocation (~92%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding National Bank For Agriculture And Rural Development (~4.7%).

Below is the key information for UTI Treasury Advantage Fund

UTI Treasury Advantage Fund
Growth
Launch Date 23 Apr 07
NAV (20 Jan 26) ₹3,665.77 ↓ -0.70   (-0.02 %)
Net Assets (Cr) ₹2,667 on 31 Dec 25
Category Debt - Low Duration
AMC UTI Asset Management Company Ltd
Rating
Risk Moderately Low
Expense Ratio 0.45
Sharpe Ratio 2.59
Information Ratio 0
Alpha Ratio 0
Min Investment 10,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 7.02%
Effective Maturity 1 Year 2 Months 1 Day
Modified Duration 11 Months 1 Day

Growth of 10,000 investment over the years.

DateValue
31 Dec 20₹10,000
31 Dec 21₹10,895
31 Dec 22₹11,384
31 Dec 23₹12,194
31 Dec 24₹13,133
31 Dec 25₹14,124

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 20 Jan 26

DurationReturns
1 Month 0.3%
3 Month 1.1%
6 Month 2.7%
1 Year 7.2%
3 Year 7.3%
5 Year 7.2%
10 Year
15 Year
Since launch 7.2%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.5%
2023 7.7%
2022 7.1%
2021 4.5%
2020 9%
2019 7.3%
2018 -4.2%
2017 7.3%
2016 7%
2015 8.9%
Fund Manager information for UTI Treasury Advantage Fund
NameSinceTenure
Anurag Mittal1 Dec 214.09 Yr.

Data below for UTI Treasury Advantage Fund as on 31 Dec 25

Asset Allocation
Asset ClassValue
Cash7.63%
Debt92.01%
Other0.36%
Debt Sector Allocation
SectorValue
Corporate76.98%
Government15.03%
Cash Equivalent7.63%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
National Bank For Agriculture And Rural Development
Debentures | -
5%₹126 Cr12,500
India (Republic of)
- | -
5%₹123 Cr1,250,000,000
Embassy Office Parks Reit
Debentures | -
5%₹120 Cr1,200
Rec Limited
Debentures | -
4%₹101 Cr10,000
Summit Digitel Infrastructure Limited
Debentures | -
4%₹100 Cr1,000
Sikka Ports & Terminals Limited
Debentures | -
4%₹100 Cr1,000
Jamnagar Utilities & Power Private Limited
Debentures | -
4%₹100 Cr1,000
Embassy Office Parks Reit
Debentures | -
3%₹90 Cr900
LIC Housing Finance Ltd
Debentures | -
3%₹76 Cr750
↑ 500
Nirma Limited
Debentures | -
3%₹75 Cr7,500

7. 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.

Research Highlights for UTI Short Term Income Fund

  • Upper mid AUM (₹3,181 Cr).
  • Established history (18+ yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: Moderate.
  • 1Y return: 6.81% (upper mid).
  • 1M return: 0.00% (upper mid).
  • Sharpe: 0.96 (lower mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 7.02% (upper mid).
  • Modified duration: 2.51 yrs (bottom quartile).
  • Average maturity: 3.30 yrs (bottom quartile).
  • Exit load: NIL.
  • Higher exposure to Corporate (bond sector) vs peer median.
  • Debt-heavy allocation (~98%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding LIC Housing Finance Ltd (~5.6%).

Below is the key information for UTI Short Term Income Fund

UTI Short Term Income Fund
Growth
Launch Date 19 Sep 07
NAV (20 Jan 26) ₹32.5402 ↓ -0.01   (-0.02 %)
Net Assets (Cr) ₹3,181 on 31 Dec 25
Category Debt - Short term Bond
AMC UTI Asset Management Company Ltd
Rating
Risk Moderate
Expense Ratio 0.85
Sharpe Ratio 0.96
Information Ratio 0
Alpha Ratio 0
Min Investment 10,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 7.02%
Effective Maturity 3 Years 3 Months 18 Days
Modified Duration 2 Years 6 Months 4 Days

Growth of 10,000 investment over the years.

DateValue
31 Dec 20₹10,000
31 Dec 21₹10,838
31 Dec 22₹11,247
31 Dec 23₹12,026
31 Dec 24₹12,975
31 Dec 25₹13,928

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 ₹200,132.
Net Profit of ₹20,132
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 20 Jan 26

DurationReturns
1 Month 0%
3 Month 0.5%
6 Month 1.8%
1 Year 6.8%
3 Year 7.2%
5 Year 6.9%
10 Year
15 Year
Since launch 6.6%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.3%
2023 7.9%
2022 6.9%
2021 3.8%
2020 8.4%
2019 10.5%
2018 -3.9%
2017 6%
2016 6.1%
2015 10.1%
Fund Manager information for UTI Short Term Income Fund
NameSinceTenure
Abhishek Sonthalia10 Nov 250.14 Yr.

Data below for UTI Short Term Income Fund as on 31 Dec 25

Asset Allocation
Asset ClassValue
Cash2.16%
Debt97.56%
Other0.28%
Debt Sector Allocation
SectorValue
Corporate74.02%
Government27.4%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
LIC Housing Finance Ltd
Debentures | -
6%₹178 Cr1,750
National Housing Bank
Debentures | -
6%₹177 Cr17,500
Power Finance Corporation Limited
Debentures | -
6%₹177 Cr17,500
6.79% Govt Stock 2034
Sovereign Bonds | -
5%₹146 Cr1,450,000,000
Export Import Bank Of India
Debentures | -
4%₹126 Cr12,500
Small Industries Development Bank Of India
Debentures | -
3%₹99 Cr10,000
TATA Communications Limited
Debentures | -
3%₹99 Cr10,000
6.48% Govt Stock 2035
Sovereign Bonds | -
3%₹99 Cr1,000,000,000
Union Bank of India
Domestic Bonds | -
3%₹98 Cr1,000,000,000
↑ 1,000,000,000
HDFC Bank Ltd.
Debentures | -
3%₹94 Cr1,000,000,000
↑ 1,000,000,000

8. 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.

Research Highlights for UTI Ultra Short Term Fund

  • Upper mid AUM (₹3,655 Cr).
  • Established history (22+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 6.42% (lower mid).
  • 1M return: 0.34% (top quartile).
  • Sharpe: 1.85 (upper mid).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.78% (upper mid).
  • Modified duration: 0.47 yrs (upper mid).
  • Average maturity: 0.57 yrs (upper mid).
  • Exit load: NIL.
  • Higher exposure to Financial Services vs peer median.
  • Higher exposure to Corporate (bond sector) vs peer median.
  • Conservative stance with elevated cash (~42%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding India (Republic of) (~8.0%).

Below is the key information for UTI Ultra Short Term Fund

UTI Ultra Short Term Fund
Growth
Launch Date 29 Aug 03
NAV (20 Jan 26) ₹4,367.97 ↑ 0.06   (0.00 %)
Net Assets (Cr) ₹3,655 on 31 Dec 25
Category Debt - Ultrashort Bond
AMC UTI Asset Management Company Ltd
Rating
Risk Moderately Low
Expense Ratio 0.93
Sharpe Ratio 1.85
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.78%
Effective Maturity 6 Months 24 Days
Modified Duration 5 Months 21 Days

Growth of 10,000 investment over the years.

DateValue
31 Dec 20₹10,000
31 Dec 21₹10,610
31 Dec 22₹11,058
31 Dec 23₹11,802
31 Dec 24₹12,653
31 Dec 25₹13,495

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 20 Jan 26

DurationReturns
1 Month 0.3%
3 Month 1.2%
6 Month 2.6%
1 Year 6.4%
3 Year 6.8%
5 Year 6.2%
10 Year
15 Year
Since launch 6.8%
Historical performance (Yearly) on absolute basis
YearReturns
2024 6.6%
2023 7.2%
2022 6.7%
2021 4.2%
2020 6.1%
2019 5.3%
2018 3.3%
2017 7%
2016 6.6%
2015 8.9%
Fund Manager information for UTI Ultra Short Term Fund
NameSinceTenure
Abhishek Sonthalia10 Nov 250.14 Yr.

Data below for UTI Ultra Short Term Fund as on 31 Dec 25

Asset Allocation
Asset ClassValue
Cash41.94%
Debt57.71%
Other0.35%
Debt Sector Allocation
SectorValue
Corporate60.02%
Government22.37%
Cash Equivalent17.26%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
India (Republic of)
- | -
8%₹293 Cr3,000,000,000
↑ 3,000,000,000
National Bank For Agriculture And Rural Development
Debentures | -
5%₹201 Cr20,000
Tbill
Sovereign Bonds | -
4%₹148 Cr1,500,000,000
↑ 1,500,000,000
Shriram Finance Limited
Debentures | -
3%₹101 Cr10,000
TATA Communications Limited
Debentures | -
3%₹100 Cr10,000
National Bank For Agriculture And Rural Development
Debentures | -
3%₹100 Cr10,000
DBS Bank India Ltd.
Debentures | -
3%₹99 Cr1,000,000,000
Piramal Finance Limited
Debentures | -
2%₹86 Cr8,500
↑ 3,500
Piramal Finance Limited
Debentures | -
2%₹75 Cr7,500
Jamnagar Utilities & Power Private Limited
Debentures | -
2%₹75 Cr750

9. Sundaram Mid Cap Fund

(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

  • Top quartile AUM (₹13,293 Cr).
  • Oldest track record among peers (23 yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 20.38% (top quartile).
  • 3Y return: 23.43% (top quartile).
  • 1Y return: 5.80% (lower mid).
  • Alpha: -1.77 (bottom quartile).
  • Sharpe: -0.01 (bottom quartile).
  • Information ratio: 0.13 (top quartile).
  • Higher exposure to Financial Services vs peer median.
  • Top bond sector: Cash Equivalent.
  • Equity-heavy allocation (~95%).
  • Largest holding Cummins India Ltd (~3.9%).

Below is the key information for Sundaram Mid Cap Fund

Sundaram Mid Cap Fund
Growth
Launch Date 30 Jul 02
NAV (20 Jan 26) ₹1,373.4 ↓ -25.39   (-1.81 %)
Net Assets (Cr) ₹13,293 on 31 Dec 25
Category Equity - Mid Cap
AMC Sundaram Asset Management Company Ltd
Rating
Risk Moderately High
Expense Ratio 1.75
Sharpe Ratio -0.01
Information Ratio 0.13
Alpha Ratio -1.77
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.

DateValue
31 Dec 20₹10,000
31 Dec 21₹13,749
31 Dec 22₹14,414
31 Dec 23₹20,231
31 Dec 24₹26,707
31 Dec 25₹27,800

Sundaram Mid Cap Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹505,644.
Net Profit of ₹205,644
Invest Now

Returns for Sundaram Mid Cap Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Jan 26

DurationReturns
1 Month -3.8%
3 Month -3.6%
6 Month -1%
1 Year 5.8%
3 Year 23.4%
5 Year 20.4%
10 Year
15 Year
Since launch 23.3%
Historical performance (Yearly) on absolute basis
YearReturns
2024 4.1%
2023 32%
2022 40.4%
2021 4.8%
2020 37.5%
2019 11.8%
2018 -0.3%
2017 -15.4%
2016 40.8%
2015 11.3%
Fund Manager information for Sundaram Mid Cap Fund
NameSinceTenure
S. Bharath24 Feb 214.85 Yr.
Ratish Varier24 Feb 214.85 Yr.

Data below for Sundaram Mid Cap Fund as on 31 Dec 25

Equity Sector Allocation
SectorValue
Financial Services22.43%
Consumer Cyclical15.55%
Industrials14.51%
Basic Materials9.84%
Health Care9.78%
Consumer Defensive6.25%
Technology6.11%
Real Estate3.8%
Utility2.45%
Communication Services2.41%
Energy2.31%
Asset Allocation
Asset ClassValue
Cash4.54%
Equity95.44%
Other0%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Cummins India Ltd (Industrials)
Equity, Since 31 Dec 17 | 500480
4%₹513 Cr1,157,021
↓ -80,512
Mahindra & Mahindra Financial Services Ltd (Financial Services)
Equity, Since 31 Jan 24 | M&MFIN
3%₹465 Cr11,544,032
↓ -299,671
Coromandel International Ltd (Basic Materials)
Equity, Since 30 Nov 10 | 506395
3%₹392 Cr1,730,022
↓ -1,179
GE Vernova T&D India Ltd (Industrials)
Equity, Since 30 Sep 24 | 522275
3%₹363 Cr1,158,576
IDFC First Bank Ltd (Financial Services)
Equity, Since 30 Jun 25 | IDFCFIRSTB
2%₹325 Cr37,978,844
The Federal Bank Ltd (Financial Services)
Equity, Since 31 Dec 18 | FEDERALBNK
2%₹317 Cr11,865,970
Hindustan Petroleum Corp Ltd (Energy)
Equity, Since 31 Oct 21 | HINDPETRO
2%₹307 Cr6,144,382
Kalyan Jewellers India Ltd (Consumer Cyclical)
Equity, Since 31 Mar 21 | KALYANKJIL
2%₹287 Cr5,916,197
↑ 274,462
Marico Ltd (Consumer Defensive)
Equity, Since 30 Jun 24 | 531642
2%₹275 Cr3,663,821
↑ 3,467
PB Fintech Ltd (Financial Services)
Equity, Since 31 Mar 23 | 543390
2%₹268 Cr1,468,580

10. 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

  • Lower mid AUM (₹1,703 Cr).
  • Established history (22+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 8.63% (upper mid).
  • 3Y return: 9.22% (upper mid).
  • 1Y return: 5.46% (bottom quartile).
  • 1M return: -0.74% (lower mid).
  • Alpha: 0.00 (bottom quartile).
  • Sharpe: 0.02 (lower mid).
  • Information ratio: 0.00 (bottom quartile).
  • Top sector: Financial Services.
  • Higher exposure to Government (bond sector) vs peer median.
  • Debt-heavy allocation (~71%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding 6.79% Govt Stock 2034 (~5.5%).

Below is the key information for UTI Regular Savings Fund

UTI Regular Savings Fund
Growth
Launch Date 16 Dec 03
NAV (20 Jan 26) ₹69.8446 ↓ -0.26   (-0.37 %)
Net Assets (Cr) ₹1,703 on 31 Dec 25
Category Hybrid - Hybrid Debt
AMC UTI Asset Management Company Ltd
Rating
Risk Moderately High
Expense Ratio 1.81
Sharpe Ratio 0.02
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL

Growth of 10,000 investment over the years.

DateValue
31 Dec 20₹10,000
31 Dec 21₹11,317
31 Dec 22₹11,692
31 Dec 23₹13,013
31 Dec 24₹14,524
31 Dec 25₹15,406

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 ₹376,357.
Net Profit of ₹76,357
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 20 Jan 26

DurationReturns
1 Month -0.7%
3 Month -0.8%
6 Month 0.1%
1 Year 5.5%
3 Year 9.2%
5 Year 8.6%
10 Year
15 Year
Since launch 9.2%
Historical performance (Yearly) on absolute basis
YearReturns
2024 6.1%
2023 11.6%
2022 11.3%
2021 3.3%
2020 13.2%
2019 10.2%
2018 2.8%
2017 3.4%
2016 12.5%
2015 8.9%
Fund Manager information for UTI Regular Savings Fund
NameSinceTenure
Amit Premchandani8 Jan 223.98 Yr.
Jaydeep Bhowal17 Apr 232.71 Yr.

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

Asset Allocation
Asset ClassValue
Cash4.54%
Equity24.58%
Debt70.59%
Other0.29%
Equity Sector Allocation
SectorValue
Financial Services8.71%
Consumer Cyclical3.41%
Technology2.5%
Health Care1.99%
Communication Services1.85%
Industrials1.63%
Energy1.41%
Basic Materials1.03%
Consumer Defensive0.8%
Real Estate0.64%
Utility0.61%
Debt Sector Allocation
SectorValue
Government43.8%
Corporate26.79%
Cash Equivalent4.54%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.79% Govt Stock 2034
Sovereign Bonds | -
5%₹93 Cr920,000,000
6.48% Govt Stock 2035
Sovereign Bonds | -
5%₹91 Cr920,000,000
Indian Oil Corporation Limited
Debentures | -
4%₹76 Cr7,500
National Bank For Agriculture And Rural Development
Debentures | -
4%₹76 Cr7,500
6.01% Govt Stock 2030
Sovereign Bonds | -
4%₹74 Cr750,000,000
↑ 750,000,000
HDFC Bank Limited
Debentures | -
3%₹52 Cr5,000
HDFC Bank Limited
Debentures | -
3%₹51 Cr5,000
LIC Housing Finance Ltd
Debentures | -
3%₹51 Cr5,000
Small Industries Development Bank Of India
Debentures | -
3%₹51 Cr5,000
SIDDHIVINAYAK SECURITISATION TRUST
Unlisted bonds | -
3%₹50 Cr50

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