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भारत में न्यूजीलैंड स्थित एनआरआई निवेश के लिए म्युचुअल फंड

Updated on April 13, 2026 , 3592 views

न्यूजीलैंड में रहने वाले अनिवासी भारतीय अपने निवेश उद्देश्यों के अनुसार कई म्यूचुअल फंड योजनाओं में निवेश कर सकते हैं। इसके अलावा, जो निवेश पोर्टफोलियो में विविधता लाना चाहता है और समय के साथ इष्टतम रिटर्न अर्जित करना चाहता है,म्यूचुअल फंड्स विचार करने के लिए एक बढ़िया विकल्प हैं।

न्यूजीलैंड में रहने वाले अनिवासी भारतीय (एनआरआई) बढ़ते घर से लाभ उठा सकते हैंअर्थव्यवस्था द्वारानिवेश भारत में म्यूचुअल फंड में। चूंकि, जब से भारत की दुनिया की छठी सबसे बड़ी अर्थव्यवस्था के रूप में घोषणा की गई थी, इसने कई एनआरआई निवेशकों का ध्यान आकर्षित किया।

परंपरागत रूप से, अनिवासी भारतीय भारत में अचल संपत्ति में निवेश करने में अधिक सहज रहे हैं। लेकिन, भारत की बढ़ती अर्थव्यवस्था ने उनके लिए विशेष रूप से म्यूचुअल फंड के लिए निवेश विकल्पों को व्यापक बना दिया है।

एनआरआई अक्सर दो मुख्य कारणों से म्यूचुअल फंड में निवेश करना पसंद करते हैं- एक यह है कि वे परोक्ष रूप से शेयरों में इक्विटी के माध्यम से भाग ले सकते हैं और दूसरा यह है कि वे इससे अधिक रिटर्न कमा सकते हैं।बैंक डेट फंडों में निवेश करके अल्पावधि के लिए बचत खाते। पोर्टफोलियो डायवर्सिफिकेशन के लिए म्यूचुअल फंड भी एक बेहतरीन विकल्प है। चूंकि म्युचुअल फंड कई प्रतिभूतियों में निवेश करते हैं, इससे जोखिम में विविधता आती है।

New-Zealand-NRI

न्यूजीलैंड में रहने वाले अनिवासी भारतीयों के लिए म्युचुअल फंड निवेश

प्रतिम्युचुअल फंड में निवेश भारत में किसी भारतीय बैंक के साथ निम्नलिखित में से कोई भी खाता खोलना चाहिए:

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 उनके प्रबंधन के लिए होता है।आय भारत में अर्जित किया। 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।

म्युचुअल फंड में निवेश करने के लिए न्यूजीलैंड के अनिवासी भारतीयों के लिए केवाईसी प्रक्रिया

अपनी केवाईसी प्रक्रिया को सफलतापूर्वक पूरा करने के लिए, न्यूजीलैंड के अनिवासी भारतीयों 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, न्यायाधीश, कोर्ट मजिस्ट्रेट, सार्वजनिक 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- वित्त 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)

न्यूजीलैंड एनआरआई के लिए सर्वश्रेष्ठ म्युचुअल फंड

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2025 (%)
UTI Banking & PSU Debt Fund Growth ₹22.9513
↑ 0.03
₹1,0991.52.56.37.17.37.8
UTI Dynamic Bond Fund Growth ₹31.8861
↑ 0.05
₹4271.31.83.86.78.76
Sundaram Rural and Consumption Fund Growth ₹88.1613
↑ 1.36
₹1,458-7.2-11.7-413.412.7-0.1
BNP Paribas Multi Cap Fund Growth ₹73.5154
↓ -0.01
₹588-4.6-2.619.317.313.6
Sundaram Mid Cap Fund Growth ₹1,397.69
↑ 24.75
₹13,235-0.5-0.813.124.3204.1
UTI Money Market Fund Growth ₹3,243.11
↑ 2.29
₹20,3201.73.16.67.46.47.5
UTI Treasury Advantage Fund Growth ₹3,724.28
↑ 3.28
₹2,9901.62.86.57.37.37.5
UTI Ultra Short Term Fund Growth ₹4,435.35
↑ 3.01
₹3,9461.62.866.86.36.6
UTI Short Term Income Fund Growth ₹32.953
↑ 0.05
₹3,0901.11.85.3777.3
UTI Gilt Fund Growth ₹64.7639
↑ 0.12
₹5282.12.53.16.85.75.1
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 15 Apr 26

Research Highlights & Commentary of 10 Funds showcased

CommentaryUTI Banking & PSU Debt FundUTI Dynamic Bond FundSundaram Rural and Consumption FundBNP Paribas Multi Cap FundSundaram Mid Cap FundUTI Money Market FundUTI Treasury Advantage FundUTI Ultra Short Term FundUTI Short Term Income FundUTI Gilt Fund
Point 1Lower mid AUM (₹1,099 Cr).Bottom quartile AUM (₹427 Cr).Lower mid AUM (₹1,458 Cr).Bottom quartile AUM (₹588 Cr).Top quartile AUM (₹13,235 Cr).Highest AUM (₹20,320 Cr).Upper mid AUM (₹2,990 Cr).Upper mid AUM (₹3,946 Cr).Upper mid AUM (₹3,090 Cr).Bottom quartile AUM (₹528 Cr).
Point 2Established history (12+ yrs).Established history (15+ yrs).Established history (19+ yrs).Established history (20+ yrs).Established history (23+ yrs).Established history (16+ yrs).Established history (18+ yrs).Established history (22+ yrs).Established history (18+ yrs).Oldest track record among peers (24 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: Moderately High.Risk profile: Low.Risk profile: Moderately Low.Risk profile: Moderately Low.Risk profile: Moderate.Risk profile: Moderate.
Point 51Y return: 6.30% (upper mid).1Y return: 3.79% (bottom quartile).5Y return: 12.69% (upper mid).5Y return: 13.57% (top quartile).5Y return: 20.02% (top quartile).1Y return: 6.61% (upper mid).1Y return: 6.51% (upper mid).1Y return: 6.04% (lower mid).1Y return: 5.31% (lower mid).1Y return: 3.09% (bottom quartile).
Point 61M return: 0.77% (upper mid).1M return: 0.55% (bottom quartile).3Y return: 13.40% (upper mid).3Y return: 17.28% (top quartile).3Y return: 24.27% (top quartile).1M return: 0.86% (upper mid).1M return: 0.70% (lower mid).1M return: 0.75% (lower mid).1M return: 0.33% (bottom quartile).1M return: 0.79% (upper mid).
Point 7Sharpe: 1.24 (lower mid).Sharpe: 0.13 (bottom quartile).1Y return: -4.02% (bottom quartile).1Y return: 19.34% (top quartile).1Y return: 13.07% (top quartile).Sharpe: 2.45 (top quartile).Sharpe: 2.06 (upper mid).Sharpe: 1.38 (upper mid).Sharpe: 0.81 (lower mid).Sharpe: 0.07 (bottom quartile).
Point 8Information ratio: 0.00 (top quartile).Information ratio: 0.00 (upper mid).Alpha: -8.06 (bottom quartile).Alpha: 0.00 (upper mid).Alpha: 2.64 (top quartile).Information ratio: 0.00 (upper mid).Information ratio: 0.00 (lower mid).Information ratio: 0.00 (lower mid).Information ratio: 0.00 (bottom quartile).Information ratio: 0.00 (bottom quartile).
Point 9Yield to maturity (debt): 6.87% (upper mid).Yield to maturity (debt): 7.09% (top quartile).Sharpe: 0.03 (bottom quartile).Sharpe: 2.86 (top quartile).Sharpe: 1.49 (upper mid).Yield to maturity (debt): 6.03% (lower mid).Yield to maturity (debt): 6.85% (upper mid).Yield to maturity (debt): 6.76% (upper mid).Yield to maturity (debt): 7.19% (top quartile).Yield to maturity (debt): 6.71% (lower mid).
Point 10Modified duration: 1.05 yrs (lower mid).Modified duration: 4.34 yrs (bottom quartile).Information ratio: -0.67 (bottom quartile).Information ratio: 0.00 (upper mid).Information ratio: 0.16 (top quartile).Modified duration: 0.58 yrs (upper mid).Modified duration: 0.77 yrs (lower mid).Modified duration: 0.40 yrs (upper mid).Modified duration: 2.46 yrs (bottom quartile).Modified duration: 6.73 yrs (bottom quartile).

UTI Banking & PSU Debt Fund

  • Lower mid AUM (₹1,099 Cr).
  • Established history (12+ yrs).
  • Top rated.
  • Risk profile: Moderate.
  • 1Y return: 6.30% (upper mid).
  • 1M return: 0.77% (upper mid).
  • Sharpe: 1.24 (lower mid).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 6.87% (upper mid).
  • Modified duration: 1.05 yrs (lower mid).

UTI Dynamic Bond Fund

  • Bottom quartile AUM (₹427 Cr).
  • Established history (15+ yrs).
  • Rating: 5★ (top quartile).
  • Risk profile: Moderate.
  • 1Y return: 3.79% (bottom quartile).
  • 1M return: 0.55% (bottom quartile).
  • Sharpe: 0.13 (bottom quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 7.09% (top quartile).
  • Modified duration: 4.34 yrs (bottom quartile).

Sundaram Rural and Consumption Fund

  • Lower mid AUM (₹1,458 Cr).
  • Established history (19+ yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 12.69% (upper mid).
  • 3Y return: 13.40% (upper mid).
  • 1Y return: -4.02% (bottom quartile).
  • Alpha: -8.06 (bottom quartile).
  • Sharpe: 0.03 (bottom quartile).
  • Information ratio: -0.67 (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).

Sundaram Mid Cap Fund

  • Top quartile AUM (₹13,235 Cr).
  • Established history (23+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 20.02% (top quartile).
  • 3Y return: 24.27% (top quartile).
  • 1Y return: 13.07% (top quartile).
  • Alpha: 2.64 (top quartile).
  • Sharpe: 1.49 (upper mid).
  • Information ratio: 0.16 (top quartile).

UTI Money Market Fund

  • Highest AUM (₹20,320 Cr).
  • Established history (16+ yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: Low.
  • 1Y return: 6.61% (upper mid).
  • 1M return: 0.86% (upper mid).
  • Sharpe: 2.45 (top quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 6.03% (lower mid).
  • Modified duration: 0.58 yrs (upper mid).

UTI Treasury Advantage Fund

  • Upper mid AUM (₹2,990 Cr).
  • Established history (18+ yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: Moderately Low.
  • 1Y return: 6.51% (upper mid).
  • 1M return: 0.70% (lower mid).
  • Sharpe: 2.06 (upper mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 6.85% (upper mid).
  • Modified duration: 0.77 yrs (lower mid).

UTI Ultra Short Term Fund

  • Upper mid AUM (₹3,946 Cr).
  • Established history (22+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 6.04% (lower mid).
  • 1M return: 0.75% (lower mid).
  • Sharpe: 1.38 (upper mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 6.76% (upper mid).
  • Modified duration: 0.40 yrs (upper mid).

UTI Short Term Income Fund

  • Upper mid AUM (₹3,090 Cr).
  • Established history (18+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderate.
  • 1Y return: 5.31% (lower mid).
  • 1M return: 0.33% (bottom quartile).
  • Sharpe: 0.81 (lower mid).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 7.19% (top quartile).
  • Modified duration: 2.46 yrs (bottom quartile).

UTI Gilt Fund

  • Bottom quartile AUM (₹528 Cr).
  • Oldest track record among peers (24 yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderate.
  • 1Y return: 3.09% (bottom quartile).
  • 1M return: 0.79% (upper mid).
  • Sharpe: 0.07 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.71% (lower mid).
  • Modified duration: 6.73 yrs (bottom quartile).

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

  • Lower mid AUM (₹1,099 Cr).
  • Established history (12+ yrs).
  • Top rated.
  • Risk profile: Moderate.
  • 1Y return: 6.30% (upper mid).
  • 1M return: 0.77% (upper mid).
  • Sharpe: 1.24 (lower mid).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 6.87% (upper mid).
  • Modified duration: 1.05 yrs (lower mid).
  • Average maturity: 1.14 yrs (lower mid).
  • Exit load: NIL.
  • Top bond sector: Corporate.
  • Debt-heavy allocation (~69%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding National Housing Bank (~5.4%).

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

UTI Banking & PSU Debt Fund
Growth
Launch Date 3 Feb 14
NAV (15 Apr 26) ₹22.9513 ↑ 0.03   (0.11 %)
Net Assets (Cr) ₹1,099 on 28 Feb 26
Category Debt - Banking & PSU Debt
AMC UTI Asset Management Company Ltd
Rating
Risk Moderate
Expense Ratio 0.54
Sharpe Ratio 1.24
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.87%
Effective Maturity 1 Year 1 Month 20 Days
Modified Duration 1 Year 18 Days

Growth of 10,000 investment over the years.

DateValue
31 Mar 21₹10,000
31 Mar 22₹10,357
31 Mar 23₹11,500
31 Mar 24₹12,313
31 Mar 25₹13,272
31 Mar 26₹14,137

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 15 Apr 26

DurationReturns
1 Month 0.8%
3 Month 1.5%
6 Month 2.5%
1 Year 6.3%
3 Year 7.1%
5 Year 7.3%
10 Year
15 Year
Since launch 7.1%
Historical performance (Yearly) on absolute basis
YearReturns
2025 7.8%
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%
Fund Manager information for UTI Banking & PSU Debt Fund
NameSinceTenure
Anurag Mittal1 Dec 214.33 Yr.

Data below for UTI Banking & PSU Debt Fund as on 28 Feb 26

Asset Allocation
Asset ClassValue
Cash30.96%
Debt68.78%
Other0.26%
Debt Sector Allocation
SectorValue
Corporate56.67%
Government28.62%
Cash Equivalent14.45%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
National Housing Bank
Debentures | -
5%₹60 Cr6,000
Axis Bank Limited
Debentures | -
5%₹55 Cr550
7.38% Gs 2027
Sovereign Bonds | -
5%₹51 Cr500,000,000
Small Industries Development Bank Of India
Debentures | -
4%₹50 Cr5,000
Export Import Bank Of India
Debentures | -
4%₹50 Cr5,000
Power Finance Corporation Limited
Debentures | -
4%₹40 Cr400
National Bank For Agriculture And Rural Development
Debentures | -
4%₹40 Cr4,000
HDFC Bank Limited
Debentures | -
3%₹35 Cr350
Indian Railway Finance Corporation Limited
Debentures | -
3%₹30 Cr300
7.86% Karnataka Sdl 2027
Sovereign Bonds | -
2%₹25 Cr250,000,000

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 (₹427 Cr).
  • Established history (15+ yrs).
  • Rating: 5★ (top quartile).
  • Risk profile: Moderate.
  • 1Y return: 3.79% (bottom quartile).
  • 1M return: 0.55% (bottom quartile).
  • Sharpe: 0.13 (bottom quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 7.09% (top quartile).
  • Modified duration: 4.34 yrs (bottom quartile).
  • Average maturity: 10.05 yrs (bottom quartile).
  • Exit load: NIL.
  • Higher exposure to Corporate (bond sector) vs peer median.
  • Debt-heavy allocation (~73%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding 7.24% Gs 2055 (~9.0%).

Below is the key information for UTI Dynamic Bond Fund

UTI Dynamic Bond Fund
Growth
Launch Date 16 Jun 10
NAV (15 Apr 26) ₹31.8861 ↑ 0.05   (0.15 %)
Net Assets (Cr) ₹427 on 15 Mar 26
Category Debt - Dynamic Bond
AMC UTI Asset Management Company Ltd
Rating
Risk Moderate
Expense Ratio 1.54
Sharpe Ratio 0.13
Information Ratio 0
Alpha Ratio 0
Min Investment 10,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 7.09%
Effective Maturity 10 Years 18 Days
Modified Duration 4 Years 4 Months 2 Days

Growth of 10,000 investment over the years.

DateValue
31 Mar 21₹10,000
31 Mar 22₹11,106
31 Mar 23₹12,448
31 Mar 24₹13,381
31 Mar 25₹14,465
31 Mar 26₹15,034

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 15 Apr 26

DurationReturns
1 Month 0.5%
3 Month 1.3%
6 Month 1.8%
1 Year 3.8%
3 Year 6.7%
5 Year 8.7%
10 Year
15 Year
Since launch 7.6%
Historical performance (Yearly) on absolute basis
YearReturns
2025 6%
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%
Fund Manager information for UTI Dynamic Bond Fund
NameSinceTenure
Pankaj Pathak8 Apr 250.98 Yr.

Data below for UTI Dynamic Bond Fund as on 15 Mar 26

Asset Allocation
Asset ClassValue
Cash26.98%
Debt72.67%
Other0.35%
Debt Sector Allocation
SectorValue
Corporate62.89%
Government26.78%
Cash Equivalent9.98%
Credit Quality
RatingValue
AA16.53%
AAA83.47%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.24% Gs 2055
Sovereign Bonds | -
9%₹38 Cr400,000,000
↑ 250,000,000
LIC Housing Finance Ltd
Debentures | -
6%₹26 Cr250
Bharti Telecom Limited
Debentures | -
6%₹25 Cr2,500
Jamnagar Utilities & Power Private Limited
Debentures | -
6%₹25 Cr2,500
Power Finance Corporation Limited
Debentures | -
6%₹25 Cr2,500
Small Industries Development Bank Of India
Debentures | -
6%₹25 Cr2,500
Torrent Pharmaceuticals Limited
Debentures | -
6%₹25 Cr2,500
Can Fin Homes Limited
Debentures | -
5%₹20 Cr2,000
Bajaj Finance Limited
Debentures | -
5%₹20 Cr2,000
Shriram Finance Limited
Debentures | -
4%₹15 Cr1,500

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 (₹1,458 Cr).
  • Established history (19+ yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 12.69% (upper mid).
  • 3Y return: 13.40% (upper mid).
  • 1Y return: -4.02% (bottom quartile).
  • Alpha: -8.06 (bottom quartile).
  • Sharpe: 0.03 (bottom quartile).
  • Information ratio: -0.67 (bottom quartile).
  • Higher exposure to Consumer Cyclical vs peer median.
  • Top bond sector: Cash Equivalent.
  • Equity-heavy allocation (~95%).
  • Largest holding Bharti Airtel Ltd (~10.1%).

Below is the key information for Sundaram Rural and Consumption Fund

Sundaram Rural and Consumption Fund
Growth
Launch Date 12 May 06
NAV (15 Apr 26) ₹88.1613 ↑ 1.36   (1.57 %)
Net Assets (Cr) ₹1,458 on 28 Feb 26
Category Equity - Sectoral
AMC Sundaram Asset Management Company Ltd
Rating
Risk Moderately High
Expense Ratio 2.18
Sharpe Ratio 0.03
Information Ratio -0.67
Alpha Ratio -8.06
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 Mar 21₹10,000
31 Mar 22₹11,291
31 Mar 23₹11,963
31 Mar 24₹16,448
31 Mar 25₹17,972
31 Mar 26₹16,376

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 ₹415,684.
Net Profit of ₹115,684
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 15 Apr 26

DurationReturns
1 Month 5.8%
3 Month -7.2%
6 Month -11.7%
1 Year -4%
3 Year 13.4%
5 Year 12.7%
10 Year
15 Year
Since launch 11.5%
Historical performance (Yearly) on absolute basis
YearReturns
2025 -0.1%
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%
Fund Manager information for Sundaram Rural and Consumption Fund
NameSinceTenure
Rohit Seksaria27 Feb 260.09 Yr.
Shalav Saket31 Dec 250.25 Yr.
Anuj Bansal27 Feb 260.09 Yr.

Data below for Sundaram Rural and Consumption Fund as on 28 Feb 26

Equity Sector Allocation
SectorValue
Consumer Cyclical45.64%
Consumer Defensive24.87%
Communication Services11.76%
Health Care4.92%
Financial Services2.93%
Industrials1.92%
Real Estate1.76%
Basic Materials1.61%
Asset Allocation
Asset ClassValue
Cash4.59%
Equity95.41%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Oct 22 | BHARTIARTL
10%₹131 Cr735,559
Mahindra & Mahindra Ltd (Consumer Cyclical)
Equity, Since 30 Apr 22 | M&M
9%₹119 Cr402,064
ITC Ltd (Consumer Defensive)
Equity, Since 31 Jul 13 | ITC
8%₹107 Cr3,733,186
↑ 548,170
Titan Co Ltd (Consumer Cyclical)
Equity, Since 29 Feb 20 | TITAN
6%₹84 Cr212,692
Eternal Ltd (Consumer Cyclical)
Equity, Since 31 May 24 | 543320
6%₹74 Cr3,240,850
↑ 348,014
Hindustan Unilever Ltd (Consumer Defensive)
Equity, Since 30 Apr 16 | HINDUNILVR
5%₹65 Cr317,789
↓ -129,035
Apollo Hospitals Enterprise Ltd (Healthcare)
Equity, Since 31 Jul 22 | APOLLOHOSP
5%₹64 Cr85,724
Maruti Suzuki India Ltd (Consumer Cyclical)
Equity, Since 31 Jul 12 | MARUTI
4%₹52 Cr42,610
Nestle India Ltd (Consumer Defensive)
Equity, Since 30 Jun 16 | NESTLEIND
4%₹51 Cr431,406
SJS Enterprises Ltd (Consumer Cyclical)
Equity, Since 31 Aug 23 | 543387
3%₹44 Cr282,069

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 Mar 21₹10,000

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 15 Apr 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
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016
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. 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 (₹13,235 Cr).
  • Established history (23+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 20.02% (top quartile).
  • 3Y return: 24.27% (top quartile).
  • 1Y return: 13.07% (top quartile).
  • Alpha: 2.64 (top quartile).
  • Sharpe: 1.49 (upper mid).
  • Information ratio: 0.16 (top quartile).
  • Top sector: Financial Services.
  • Top bond sector: Cash Equivalent.
  • Equity-heavy allocation (~96%).
  • Largest holding Cummins India Ltd (~4.0%).

Below is the key information for Sundaram Mid Cap Fund

Sundaram Mid Cap Fund
Growth
Launch Date 30 Jul 02
NAV (15 Apr 26) ₹1,397.69 ↑ 24.75   (1.80 %)
Net Assets (Cr) ₹13,235 on 28 Feb 26
Category Equity - Mid Cap
AMC Sundaram Asset Management Company Ltd
Rating
Risk Moderately High
Expense Ratio 1.75
Sharpe Ratio 1.49
Information Ratio 0.16
Alpha Ratio 2.64
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 Mar 21₹10,000
31 Mar 22₹12,106
31 Mar 23₹12,410
31 Mar 24₹19,105
31 Mar 25₹21,475
31 Mar 26₹22,051

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 15 Apr 26

DurationReturns
1 Month 6.5%
3 Month -0.5%
6 Month -0.8%
1 Year 13.1%
3 Year 24.3%
5 Year 20%
10 Year
15 Year
Since launch 23.2%
Historical performance (Yearly) on absolute basis
YearReturns
2025 4.1%
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%
Fund Manager information for Sundaram Mid Cap Fund
NameSinceTenure
S. Bharath24 Feb 215.1 Yr.
Shalav Saket31 Dec 250.25 Yr.

Data below for Sundaram Mid Cap Fund as on 28 Feb 26

Equity Sector Allocation
SectorValue
Financial Services19.57%
Industrials17.16%
Consumer Cyclical15.4%
Health Care10.25%
Basic Materials9.32%
Technology7.53%
Consumer Defensive6.07%
Real Estate3.07%
Utility2.99%
Communication Services2.8%
Energy1.77%
Asset Allocation
Asset ClassValue
Cash4.07%
Equity95.91%
Other0.01%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Cummins India Ltd (Industrials)
Equity, Since 31 Dec 17 | 500480
4%₹482 Cr1,070,000
↓ -17,767
GE Vernova T&D India Ltd (Industrials)
Equity, Since 30 Sep 24 | 522275
3%₹410 Cr1,125,000
↓ -36,757
Mahindra & Mahindra Financial Services Ltd (Financial Services)
Equity, Since 31 Jan 24 | M&MFIN
3%₹329 Cr11,498,475
Coromandel International Ltd (Basic Materials)
Equity, Since 30 Nov 10 | 506395
3%₹314 Cr1,642,029
↑ 40,290
The Federal Bank Ltd (Financial Services)
Equity, Since 31 Dec 18 | FEDERALBNK
2%₹270 Cr10,399,688
Sundaram Liquid Dir Gr
Investment Fund | -
2%₹256 Cr1,053,586
↑ 822,222
BSE Ltd (Financial Services)
Equity, Since 31 May 24 | BSE
2%₹254 Cr945,165
Kalyan Jewellers India Ltd (Consumer Cyclical)
Equity, Since 31 Mar 21 | KALYANKJIL
2%₹253 Cr6,735,835
Marico Ltd (Consumer Defensive)
Equity, Since 30 Jun 24 | 531642
2%₹250 Cr3,395,879
Lupin Ltd (Healthcare)
Equity, Since 31 Jan 23 | 500257
2%₹250 Cr1,080,069
↑ 30,000

6. 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 (₹20,320 Cr).
  • Established history (16+ yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: Low.
  • 1Y return: 6.61% (upper mid).
  • 1M return: 0.86% (upper mid).
  • Sharpe: 2.45 (top quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 6.03% (lower mid).
  • Modified duration: 0.58 yrs (upper mid).
  • Average maturity: 0.58 yrs (upper mid).
  • Exit load: NIL.
  • Top sector: Real Estate.
  • Top bond sector: Corporate.
  • Conservative stance with elevated cash (~78%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding Tbill (~2.7%).

Below is the key information for UTI Money Market Fund

UTI Money Market Fund
Growth
Launch Date 13 Jul 09
NAV (15 Apr 26) ₹3,243.11 ↑ 2.29   (0.07 %)
Net Assets (Cr) ₹20,320 on 28 Feb 26
Category Debt - Money Market
AMC UTI Asset Management Company Ltd
Rating
Risk Low
Expense Ratio 0.25
Sharpe Ratio 2.45
Information Ratio 0
Alpha Ratio 0
Min Investment 10,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.03%
Effective Maturity 7 Months
Modified Duration 7 Months

Growth of 10,000 investment over the years.

DateValue
31 Mar 21₹10,000
31 Mar 22₹10,390
31 Mar 23₹10,983
31 Mar 24₹11,818
31 Mar 25₹12,737
31 Mar 26₹13,581

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 15 Apr 26

DurationReturns
1 Month 0.9%
3 Month 1.7%
6 Month 3.1%
1 Year 6.6%
3 Year 7.4%
5 Year 6.4%
10 Year
15 Year
Since launch 7.3%
Historical performance (Yearly) on absolute basis
YearReturns
2025 7.5%
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%
Fund Manager information for UTI Money Market Fund
NameSinceTenure
Anurag Mittal1 Dec 214.33 Yr.
Amit Sharma7 Jul 178.74 Yr.

Data below for UTI Money Market Fund as on 28 Feb 26

Asset Allocation
Asset ClassValue
Cash78.09%
Debt21.6%
Other0.31%
Debt Sector Allocation
SectorValue
Corporate50.04%
Cash Equivalent35.68%
Government13.97%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Tbill
Sovereign Bonds | -
3%₹494 Cr5,000,000,000
National Bank for Financing Infrastructure & Development
Domestic Bonds | -
3%₹469 Cr5,000,000,000
HDFC Bank Ltd.
Debentures | -
3%₹468 Cr5,000,000,000
5.74% Gs 2026
Sovereign Bonds | -
2%₹280 Cr2,800,000,000
↑ 2,800,000,000
Bank Of Maharashtra
Domestic Bonds | -
1%₹213 Cr2,250,000,000
Kotak Mahindra Bank Ltd.
Debentures | -
1%₹211 Cr2,250,000,000
HDFC Bank Ltd.
Debentures | -
1%₹193 Cr2,000,000,000
↑ 2,000,000,000
Indian Bank
Domestic Bonds | -
1%₹192 Cr2,000,000,000
AU Small Finance Bank Ltd.
Debentures | -
1%₹189 Cr2,000,000,000
Indusind Bank Ltd.
Debentures | -
1%₹188 Cr2,000,000,000

7. UTI Treasury Advantage Fund

The scheme will endeavour to generate an attractive return for its investors consistent with capital preservation and liquidity by investing in a portfolio of quality debt securities, money market instruments and structured obligations.

Research Highlights for UTI Treasury Advantage Fund

  • Upper mid AUM (₹2,990 Cr).
  • Established history (18+ yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: Moderately Low.
  • 1Y return: 6.51% (upper mid).
  • 1M return: 0.70% (lower mid).
  • Sharpe: 2.06 (upper mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 6.85% (upper mid).
  • Modified duration: 0.77 yrs (lower mid).
  • Average maturity: 0.94 yrs (lower mid).
  • Exit load: NIL.
  • Higher exposure to Corporate (bond sector) vs peer median.
  • Debt-heavy allocation (~74%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding Embassy Office Parks Reit (~5.3%).

Below is the key information for UTI Treasury Advantage Fund

UTI Treasury Advantage Fund
Growth
Launch Date 23 Apr 07
NAV (15 Apr 26) ₹3,724.28 ↑ 3.28   (0.09 %)
Net Assets (Cr) ₹2,990 on 28 Feb 26
Category Debt - Low Duration
AMC UTI Asset Management Company Ltd
Rating
Risk Moderately Low
Expense Ratio 0.45
Sharpe Ratio 2.06
Information Ratio 0
Alpha Ratio 0
Min Investment 10,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.85%
Effective Maturity 11 Months 8 Days
Modified Duration 9 Months 7 Days

Growth of 10,000 investment over the years.

DateValue
31 Mar 21₹10,000
31 Mar 22₹10,920
31 Mar 23₹11,487
31 Mar 24₹12,332
31 Mar 25₹13,288
31 Mar 26₹14,168

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 15 Apr 26

DurationReturns
1 Month 0.7%
3 Month 1.6%
6 Month 2.8%
1 Year 6.5%
3 Year 7.3%
5 Year 7.3%
10 Year
15 Year
Since launch 7.2%
Historical performance (Yearly) on absolute basis
YearReturns
2025 7.5%
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%
Fund Manager information for UTI Treasury Advantage Fund
NameSinceTenure
Anurag Mittal1 Dec 214.33 Yr.

Data below for UTI Treasury Advantage Fund as on 28 Feb 26

Asset Allocation
Asset ClassValue
Cash25.08%
Debt74.49%
Other0.43%
Debt Sector Allocation
SectorValue
Corporate69.89%
Cash Equivalent21.93%
Government7.76%
Credit Quality
RatingValue
AA11.06%
AAA88.94%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Embassy Office Parks Reit
Debentures | -
5%₹119 Cr1,200
Rec Limited
Debentures | -
4%₹100 Cr10,000
Summit Digitel Infrastructure Limited
Debentures | -
4%₹100 Cr1,000
Jamnagar Utilities & Power Private Limited
Debentures | -
4%₹99 Cr1,000
Embassy Office Parks Reit
Debentures | -
4%₹90 Cr900
Poonawalla Fincorp Limited
Debentures | -
3%₹75 Cr7,500
RADHAKRISHNA SECURITISATION TRUST
Unlisted bonds | -
2%₹54 Cr55
Tata Capital Housing Finance Limited
Debentures | -
2%₹50 Cr5,000
Can Fin Homes Limited
Debentures | -
2%₹50 Cr5,000
Aditya Birla Renewables Limited
Debentures | -
2%₹50 Cr5,000

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 (₹3,946 Cr).
  • Established history (22+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 6.04% (lower mid).
  • 1M return: 0.75% (lower mid).
  • Sharpe: 1.38 (upper mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 6.76% (upper mid).
  • Modified duration: 0.40 yrs (upper mid).
  • Average maturity: 0.47 yrs (upper mid).
  • Exit load: NIL.
  • Higher exposure to Financial Services vs peer median.
  • Top bond sector: Corporate.
  • Conservative stance with elevated cash (~70%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding Tbill (~9.5%).

Below is the key information for UTI Ultra Short Term Fund

UTI Ultra Short Term Fund
Growth
Launch Date 29 Aug 03
NAV (15 Apr 26) ₹4,435.35 ↑ 3.01   (0.07 %)
Net Assets (Cr) ₹3,946 on 28 Feb 26
Category Debt - Ultrashort Bond
AMC UTI Asset Management Company Ltd
Rating
Risk Moderately Low
Expense Ratio 0.93
Sharpe Ratio 1.38
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.76%
Effective Maturity 5 Months 19 Days
Modified Duration 4 Months 23 Days

Growth of 10,000 investment over the years.

DateValue
31 Mar 21₹10,000
31 Mar 22₹10,619
31 Mar 23₹11,148
31 Mar 24₹11,923
31 Mar 25₹12,778
31 Mar 26₹13,545

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 15 Apr 26

DurationReturns
1 Month 0.8%
3 Month 1.6%
6 Month 2.8%
1 Year 6%
3 Year 6.8%
5 Year 6.3%
10 Year
15 Year
Since launch 6.8%
Historical performance (Yearly) on absolute basis
YearReturns
2025 6.6%
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%
Fund Manager information for UTI Ultra Short Term Fund
NameSinceTenure
Abhishek Sonthalia10 Nov 250.39 Yr.

Data below for UTI Ultra Short Term Fund as on 28 Feb 26

Asset Allocation
Asset ClassValue
Cash69.56%
Debt30.03%
Other0.41%
Debt Sector Allocation
SectorValue
Corporate54.82%
Cash Equivalent36.72%
Government8.05%
Credit Quality
RatingValue
AA20.93%
AAA79.07%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Tbill
Sovereign Bonds | -
9%₹297 Cr3,000,000,000
09/04/2026 Maturing 182 DTB
Sovereign Bonds | -
5%₹150 Cr1,500,000,000
HDFC Bank Ltd.
Debentures | -
4%₹140 Cr1,500,000,000
Shriram Finance Limited
Debentures | -
3%₹100 Cr10,000
Piramal Finance Limited
Debentures | -
3%₹85 Cr8,500
TATA Communications Limited
Debentures | -
2%₹75 Cr7,500
Piramal Finance Limited
Debentures | -
2%₹75 Cr7,500
Aditya Birla Renewables Limited
Debentures | -
2%₹65 Cr6,500
Tata Capital Housing Finance Limited
Debentures | -
2%₹50 Cr5,000
360 One Prime Limited
Debentures | -
2%₹50 Cr5,000

9. 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 (₹3,090 Cr).
  • Established history (18+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderate.
  • 1Y return: 5.31% (lower mid).
  • 1M return: 0.33% (bottom quartile).
  • Sharpe: 0.81 (lower mid).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 7.19% (top quartile).
  • Modified duration: 2.46 yrs (bottom quartile).
  • Average maturity: 3.46 yrs (bottom quartile).
  • Exit load: NIL.
  • Higher exposure to Corporate (bond sector) vs peer median.
  • Debt-heavy allocation (~91%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding LIC Housing Finance Ltd (~7.4%).

Below is the key information for UTI Short Term Income Fund

UTI Short Term Income Fund
Growth
Launch Date 19 Sep 07
NAV (15 Apr 26) ₹32.953 ↑ 0.05   (0.16 %)
Net Assets (Cr) ₹3,090 on 28 Feb 26
Category Debt - Short term Bond
AMC UTI Asset Management Company Ltd
Rating
Risk Moderate
Expense Ratio 0.85
Sharpe Ratio 0.81
Information Ratio 0
Alpha Ratio 0
Min Investment 10,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 7.19%
Effective Maturity 3 Years 5 Months 16 Days
Modified Duration 2 Years 5 Months 16 Days

Growth of 10,000 investment over the years.

DateValue
31 Mar 21₹10,000
31 Mar 22₹10,914
31 Mar 23₹11,401
31 Mar 24₹12,272
31 Mar 25₹13,231
31 Mar 26₹13,960

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 15 Apr 26

DurationReturns
1 Month 0.3%
3 Month 1.1%
6 Month 1.8%
1 Year 5.3%
3 Year 7%
5 Year 7%
10 Year
15 Year
Since launch 6.6%
Historical performance (Yearly) on absolute basis
YearReturns
2025 7.3%
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%
Fund Manager information for UTI Short Term Income Fund
NameSinceTenure
Abhishek Sonthalia10 Nov 250.39 Yr.

Data below for UTI Short Term Income Fund as on 28 Feb 26

Asset Allocation
Asset ClassValue
Cash8.53%
Debt91.08%
Other0.38%
Debt Sector Allocation
SectorValue
Corporate63.4%
Government33.7%
Cash Equivalent2.51%
Credit Quality
RatingValue
AA13.83%
AAA86.17%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
LIC Housing Finance Ltd
Debentures | -
7%₹175 Cr1,750
Export Import Bank Of India
Debentures | -
5%₹124 Cr12,500
Piramal Finance Limited
Debentures | -
4%₹100 Cr10,000
Poonawalla Fincorp Limited
Debentures | -
3%₹75 Cr7,500
One Prime Limited
Debentures | -
3%₹75 Cr7,500
Export Import Bank Of India
Debentures | -
3%₹74 Cr7,500
National Bank For Agriculture And Rural Development
Debentures | -
3%₹73 Cr7,500
6.48% Gs 2035
Sovereign Bonds | -
3%₹72 Cr750,000,000
↓ -250,000,000
LIC Housing Finance Ltd
Debentures | -
2%₹51 Cr500
Rec Limited
Debentures | -
2%₹51 Cr500

10. UTI Gilt Fund

(Erstwhile UTI Gilt Advantage Fund- LTP)

To generate credit risk-free return through investment in sovereign securities issued by the Central Government and / or a State Government and / or any security unconditionally guaranteed by the Central Government and / or a State Government for repayment of principal and interest. However there can be no assurance that the investment objective of the Scheme will be achieved.

Research Highlights for UTI Gilt Fund

  • Bottom quartile AUM (₹528 Cr).
  • Oldest track record among peers (24 yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderate.
  • 1Y return: 3.09% (bottom quartile).
  • 1M return: 0.79% (upper mid).
  • Sharpe: 0.07 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.71% (lower mid).
  • Modified duration: 6.73 yrs (bottom quartile).
  • Average maturity: 15.21 yrs (bottom quartile).
  • Exit load: NIL.
  • Higher exposure to Government (bond sector) vs peer median.
  • Debt-heavy allocation (~72%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding Tbill (~35.2%).
  • Top-3 holdings concentration ~71.7%.

Below is the key information for UTI Gilt Fund

UTI Gilt Fund
Growth
Launch Date 21 Jan 02
NAV (15 Apr 26) ₹64.7639 ↑ 0.12   (0.19 %)
Net Assets (Cr) ₹528 on 15 Mar 26
Category Debt - Government Bond
AMC UTI Asset Management Company Ltd
Rating
Risk Moderate
Expense Ratio 0.92
Sharpe Ratio 0.07
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.71%
Effective Maturity 15 Years 2 Months 16 Days
Modified Duration 6 Years 8 Months 23 Days

Growth of 10,000 investment over the years.

DateValue
31 Mar 21₹10,000
31 Mar 22₹10,271
31 Mar 23₹10,772
31 Mar 24₹11,636
31 Mar 25₹12,655
31 Mar 26₹12,993

UTI Gilt Fund SIP Returns

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

Returns for UTI Gilt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 15 Apr 26

DurationReturns
1 Month 0.8%
3 Month 2.1%
6 Month 2.5%
1 Year 3.1%
3 Year 6.8%
5 Year 5.7%
10 Year
15 Year
Since launch 8%
Historical performance (Yearly) on absolute basis
YearReturns
2025 5.1%
2024 8.9%
2023 6.7%
2022 2.9%
2021 2.3%
2020 10.3%
2019 11.8%
2018 6.3%
2017 4.3%
2016 15.5%
Fund Manager information for UTI Gilt Fund
NameSinceTenure
Pankaj Pathak8 Apr 250.98 Yr.

Data below for UTI Gilt Fund as on 15 Mar 26

Asset Allocation
Asset ClassValue
Cash27.78%
Debt72.22%
Debt Sector Allocation
SectorValue
Government90.48%
Cash Equivalent9.52%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Tbill
Sovereign Bonds | -
35%₹191 Cr2,000,000,000
India (Republic of)
- | -
18%₹99 Cr1,000,000,000
7.24% Gs 2055
Sovereign Bonds | -
18%₹99 Cr1,050,000,000
↑ 250,000,000
6.90% Gs 2065
Sovereign Bonds | -
13%₹71 Cr800,000,000
↑ 250,000,000
Rajasthan (Government of ) 7.65%
- | -
4%₹22 Cr224,630,000
↑ 224,630,000
7.3% Uttarakhand Sgs 2032
Sovereign Bonds | -
2%₹8 Cr85,730,000
Net Current Assets
Net Current Assets | -
9%₹50 Cr
Clearing Corporation Of India Ltd. Std - Margin
CBLO/Reverse Repo | -
0%₹2 Cr00

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