UTI ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ 2022 ರ ಟಾಪ್ 8 ಅತ್ಯುತ್ತಮ ಸಾಲ ನಿಧಿಗಳು

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UTI ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ 2022 ರಿಂದ ಟಾಪ್ 8 ಅತ್ಯುತ್ತಮ ಸಾಲ ನಿಧಿಗಳು
ಯುಟಿಐ ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ನಲ್ಲಿ ಏಕೆ ಹೂಡಿಕೆ ಮಾಡಬೇಕು?
ಅತ್ಯುತ್ತಮ UTI ಸಾಲ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳು
ಆನ್‌ಲೈನ್‌ನಲ್ಲಿ ಯುಟಿಐ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವುದು ಹೇಗೆ?
Top 8 Funds

UTI ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ 2022 ರಿಂದ ಟಾಪ್ 8 ಅತ್ಯುತ್ತಮ ಸಾಲ ನಿಧಿಗಳು

ಯುಟಿಐ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ಸಾಲ ನಿಧಿಗಳು ಅತ್ಯುತ್ತಮವಾದ ಆದಾಯವನ್ನು ಗಳಿಸುವ ಅತ್ಯುತ್ತಮ ಮಾರ್ಗಗಳಲ್ಲಿ ಒಂದಾಗಿದೆ. ನಿಧಿಯು ಸಂಚಯವನ್ನು ಉತ್ಪಾದಿಸುವ ಗುರಿಯನ್ನು ಹೊಂದಿದೆಆದಾಯ ಮೂಲಕಹೂಡಿಕೆ ಪ್ರಧಾನವಾಗಿ ರಲ್ಲಿಹಣದ ಮಾರುಕಟ್ಟೆ ವಾದ್ಯಗಳು.

ನಂತಹ ಹಲವಾರು ಯೋಜನೆಗಳಿಂದ ನೀವು ಹಣವನ್ನು ಆಯ್ಕೆ ಮಾಡಬಹುದುದ್ರವ ನಿಧಿಗಳು, ಅಲ್ಟ್ರಾಅಲ್ಪಾವಧಿ ನಿಧಿಗಳು, ಅಲ್ಪಾವಧಿ ನಿಧಿಗಳು,ಗಿಲ್ಟ್ ನಿಧಿಗಳು, ಇತ್ಯಾದಿಸಾಲ ನಿಧಿ ಲಿಕ್ವಿಡ್, ಅಲ್ಟ್ರಾ ಶಾರ್ಟ್ ಮತ್ತು ಶಾರ್ಟ್ ಟರ್ಮ್ ಫಂಡ್‌ಗಳಂತಹ ಯೋಜನೆಗಳು ನಿಮ್ಮ ಅಲ್ಪಾವಧಿಯಿಂದ ಮಧ್ಯಾವಧಿಯವರೆಗೆ ಯೋಜಿಸಲು ಉತ್ತಮ ಮಾರ್ಗವಾಗಿದೆಹಣಕಾಸಿನ ಗುರಿಗಳು. ಹೂಡಿಕೆ ಮಾಡಲು ಯೋಜಿಸುತ್ತಿರುವ ಹೂಡಿಕೆದಾರರು ಕೆಳಗೆ ಪಟ್ಟಿ ಮಾಡಲಾದ ಟಾಪ್ 8 ನಿಂದ ಹಣವನ್ನು ಆಯ್ಕೆ ಮಾಡಬಹುದುಅತ್ಯುತ್ತಮ ಸಾಲ ನಿಧಿಗಳು UTI ಮೂಲಕಮ್ಯೂಚುಯಲ್ ಫಂಡ್. AUM ನಂತಹ ಕೆಲವು ನಿಯತಾಂಕಗಳನ್ನು ಕೈಗೊಳ್ಳುವ ಮೂಲಕ ಈ ಹಣವನ್ನು ಶಾರ್ಟ್‌ಲಿಸ್ಟ್ ಮಾಡಲಾಗಿದೆ,ಅವು ಅಲ್ಲ, ಹಿಂದಿನ ಪ್ರದರ್ಶನಗಳು, ಸರಾಸರಿ ಮುಕ್ತಾಯ, ಅವಧಿ, ಇತ್ಯಾದಿ.

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ಯುಟಿಐ ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ನಲ್ಲಿ ಏಕೆ ಹೂಡಿಕೆ ಮಾಡಬೇಕು?

ಎ. ಸುರಕ್ಷತೆ

ಯುಟಿಐ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ಯಾವಾಗಲೂ ಸುರಕ್ಷತೆಗಾಗಿ ಶ್ರಮಿಸುತ್ತದೆಹೂಡಿಕೆದಾರನ ಹಣ ಮತ್ತುಬಂಡವಾಳ ವಿವೇಕಯುತ ರೀತಿಯಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವ ಮೂಲಕ ಮೆಚ್ಚುಗೆ.

ಬಿ. ಸ್ಥಿರ ರಿಟರ್ನ್ಸ್

ಯುಟಿಐ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ಯಾವಾಗಲೂ ತಮ್ಮ ಹೂಡಿಕೆದಾರರಿಗೆ ಸ್ಥಿರವಾದ ಆದಾಯವನ್ನು ನೀಡಲು ಶ್ರಮಿಸುತ್ತದೆ ಇದರಿಂದ ಅವರು ತಮ್ಮ ಉದ್ದೇಶಗಳನ್ನು ಸಾಧಿಸಬಹುದು.

ಸಿ. ಪ್ರವೇಶದ ಸುಲಭ

ಹೂಡಿಕೆದಾರರು ತಮ್ಮ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ಖಾತೆಯನ್ನು ಯಾವುದೇ ಸಮಯದಲ್ಲಿ ಮತ್ತು ಎಲ್ಲಿಯಾದರೂ ಆನ್‌ಲೈನ್‌ನಲ್ಲಿ ಮೇಲ್ವಿಚಾರಣೆ ಮಾಡಬಹುದು ಮತ್ತು ಪ್ರವೇಶಿಸಬಹುದು. ಅಲ್ಲದೆ, ಫಂಡ್ ಹೌಸ್‌ನೊಂದಿಗಿನ ವಹಿವಾಟು ಮತ್ತು ಸಂವಹನ ಪ್ರಕ್ರಿಯೆಯು ಜಗಳ-ಮುಕ್ತ ಮತ್ತು ಅತ್ಯಂತ ಬಳಕೆದಾರ ಸ್ನೇಹಿಯಾಗಿದೆ.

ಅತ್ಯುತ್ತಮ UTI ಸಾಲ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳು

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2023 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
UTI Dynamic Bond Fund Growth	₹30.9419 ↑ 0.07	₹447	3.5	5.2	10.5	9.8	8.6	6.94%	5Y 5M 23D	8Y 14D
UTI Banking & PSU Debt Fund Growth	₹21.6967 ↑ 0.02	₹785	2.9	4.5	8.9	9.2	7.6	7.14%	2Y 29D	2Y 4M 24D
UTI Gilt Fund Growth	₹63.4105 ↑ 0.23	₹733	4.1	6	11.6	8	8.9	6.87%	9Y 1M 13D	20Y 2M 26D
UTI Bond Fund Growth	₹73.4924 ↑ 0.17	₹320	3.7	5.6	10.9	10.2	8.5	7.17%	6Y 5M 1D	9Y 11M 5D
UTI Short Term Income Fund Growth	₹31.4351 ↑ 0.02	₹2,566	2.9	4.6	8.9	7.1	7.9	7.29%	2Y 11M 23D	3Y 11M 1D
UTI Treasury Advantage Fund Growth	₹3,508.38 ↑ 1.17	₹2,735	2.4	4.1	8.2	7	7.7	7.39%	11M 8D	1Y 18D
UTI Money Market Fund Growth	₹3,051.13 ↑ 0.63	₹16,265	2.4	4.2	8.1	7.2	7.7	7.24%	9M 16D	9M 17D
UTI Ultra Short Term Fund Growth	₹4,193.2 ↑ 0.62	₹3,143	2	3.7	7.3	6.5	7.2	7.57%	5M 23D	6M 23D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 29 Apr 25

1. UTI Dynamic Bond Fund

The investment objective of the scheme is to generate optimal returns with adequate liquidity through active management of the portfolio, by investing in debt and money market instruments. However, there can be no assurance that the investment objective of the scheme will be realized.

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

Below is the key information for UTI Dynamic Bond Fund

UTI Dynamic Bond Fund Growth
Launch Date	16 Jun 10
NAV (29 Apr 25)	₹30.9419 ↑ 0.07 (0.24 %)
Net Assets (Cr)	₹447 on 31 Mar 25
Category	Debt - Dynamic Bond
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆☆
Risk	Moderate
Expense Ratio	1.54
Sharpe Ratio	0.55
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.94%
Effective Maturity	8 Years 14 Days
Modified Duration	5 Years 5 Months 23 Days
Sub Cat.	Dynamic Bond

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,684
31 Mar 22	₹11,866
31 Mar 23	₹13,300
31 Mar 24	₹14,296
31 Mar 25	₹15,455

UTI Dynamic Bond Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹209,201.
Net Profit of ₹29,201 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 29 Apr 25

Duration	Returns
1 Month	1.9%
3 Month	3.5%
6 Month	5.2%
1 Year	10.5%
3 Year	9.8%
5 Year	9.1%
10 Year
15 Year
Since launch	7.9%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2014	6.9%

Fund Manager information for UTI Dynamic Bond Fund

Name	Since	Tenure
Pankaj Pathak	8 Apr 25	0 Yr.

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

Asset Allocation

Asset Class	Value
Cash	10.29%
Debt	89.4%
Other	0.3%

Debt Sector Allocation

Sector	Value
Government	65.34%
Corporate	24.07%
Cash Equivalent	10.29%

Credit Quality

Rating	Value
AA	1.22%
AAA	98.78%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.79% Govt Stock 2034 Sovereign Bonds \| -	24%	₹113 Cr	1,100,000,000
6.92% Govt Stock 2039 Sovereign Bonds \| -	20%	₹93 Cr	900,000,000
Small Industries Development Bank Of India Debentures \| -	9%	₹41 Cr	4,000
National Bank For Agriculture And Rural Development Debentures \| -	9%	₹41 Cr	4,000
Rec Limited Debentures \| -	9%	₹40 Cr	4,000
Power Finance Corporation Ltd. Debentures \| -	6%	₹26 Cr	2,500
Chhattisgarh (Government of) 7.32% - \| -	4%	₹21 Cr	200,000,000
Assam (Government of) 7.34% - \| -	4%	₹21 Cr	200,000,000
7.1% Govt Stock 2034 Sovereign Bonds \| -	3%	₹16 Cr	150,000,000
Mankind Pharma Ltd Debentures \| -	1%	₹5 Cr	500

2. UTI Banking & PSU Debt Fund

The investment objective of the scheme is to generate steady and reasonable income, with low risk and high level of liquidity from a portfolio of predominantly debt & money market securities by Banks and Public Sector Undertakings (PSUs).

UTI Banking & PSU Debt Fund is a Debt - Banking & PSU Debt fund was launched on 3 Feb 14. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.1% since its launch. Ranked 3 in Banking & PSU Debt category. Return for 2024 was 7.6% , 2023 was 6.7% and 2022 was 10.3% .

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

UTI Banking & PSU Debt Fund Growth
Launch Date	3 Feb 14
NAV (29 Apr 25)	₹21.6967 ↑ 0.02 (0.09 %)
Net Assets (Cr)	₹785 on 31 Mar 25
Category	Debt - Banking & PSU Debt
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆☆
Risk	Moderate
Expense Ratio	0.55
Sharpe Ratio	1.06
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.14%
Effective Maturity	2 Years 4 Months 24 Days
Modified Duration	2 Years 29 Days
Sub Cat.	Banking & PSU Debt

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,675
31 Mar 22	₹11,056
31 Mar 23	₹12,276
31 Mar 24	₹13,144
31 Mar 25	₹14,168

UTI Banking & PSU Debt Fund SIP 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 29 Apr 25

Duration	Returns
1 Month	1.3%
3 Month	2.9%
6 Month	4.5%
1 Year	8.9%
3 Year	9.2%
5 Year	7.4%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2014	8.6%

Fund Manager information for UTI Banking & PSU Debt Fund

Name	Since	Tenure
Anurag Mittal	1 Dec 21	3.33 Yr.

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

Asset Allocation

Asset Class	Value
Cash	3.44%
Debt	96.23%
Other	0.33%

Debt Sector Allocation

Sector	Value
Corporate	52.95%
Government	43.28%
Cash Equivalent	3.44%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.38% Govt Stock 2027 Sovereign Bonds \| -	12%	₹92 Cr	900,000,000
Axis Bank Limited Debentures \| -	7%	₹55 Cr	550
Small Industries Development Bank Of India Debentures \| -	6%	₹51 Cr	5,000
Export-Import Bank Of India Debentures \| -	6%	₹51 Cr	5,000
Power Finance Corporation Limited Debentures \| -	5%	₹41 Cr	400
Rural Electrification Corporation Limited Debentures \| -	5%	₹36 Cr	3,500
HDFC Bank Limited Debentures \| -	4%	₹35 Cr	350
Indian Railway Finance Corporation Limited Debentures \| -	4%	₹30 Cr	300
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹30 Cr	3,000
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹26 Cr	250

3. UTI Gilt Fund

(Erstwhile UTI Gilt Advantage Fund- LTP)

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

UTI Gilt Fund is a Debt - Government Bond fund was launched on 21 Jan 02. It is a fund with Moderate risk and has given a CAGR/Annualized return of 8.3% since its launch. Ranked 7 in Government Bond category. Return for 2024 was 8.9% , 2023 was 6.7% and 2022 was 2.9% .

Below is the key information for UTI Gilt Fund

UTI Gilt Fund Growth
Launch Date	21 Jan 02
NAV (29 Apr 25)	₹63.4105 ↑ 0.23 (0.37 %)
Net Assets (Cr)	₹733 on 31 Mar 25
Category	Debt - Government Bond
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	0.92
Sharpe Ratio	0.6
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.87%
Effective Maturity	20 Years 2 Months 26 Days
Modified Duration	9 Years 1 Month 13 Days
Sub Cat.	Government Bond

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,655
31 Mar 22	₹10,944
31 Mar 23	₹11,478
31 Mar 24	₹12,397
31 Mar 25	₹13,483

UTI Gilt Fund SIP 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 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 29 Apr 25

Duration	Returns
1 Month	2.2%
3 Month	4.1%
6 Month	6%
1 Year	11.6%
3 Year	8%
5 Year	6.1%
10 Year
15 Year
Since launch	8.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	8.9%
2022	6.7%
2021	2.9%
2020	2.3%
2019	10.3%
2018	11.8%
2017	6.3%
2016	4.3%
2015	15.5%
2014	6.1%

Fund Manager information for UTI Gilt Fund

Name	Since	Tenure
Pankaj Pathak	8 Apr 25	0 Yr.

Data below for UTI Gilt Fund as on 31 Mar 25

Asset Allocation

Asset Class	Value
Cash	4.57%
Debt	95.43%

Debt Sector Allocation

Sector	Value
Government	95.43%
Cash Equivalent	4.57%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.79% Govt Stock 2034 Sovereign Bonds \| -	42%	₹313 Cr	3,050,000,000
7.34% Govt Stock 2064 Sovereign Bonds \| -	16%	₹122 Cr	1,150,000,000
7.09% Govt Stock 2054 Sovereign Bonds \| -	14%	₹103 Cr	1,000,000,000
7.3% Govt Stock 2053 Sovereign Bonds \| -	6%	₹48 Cr	450,000,000
7.46% Govt Stock 2073 Sovereign Bonds \| -	4%	₹32 Cr	300,000,000
Chhattisgarh (Government of) 7.32% - \| -	4%	₹31 Cr	300,000,000
Assam (Government of) 7.34% - \| -	4%	₹31 Cr	300,000,000
7.1% Govt Stock 2034 Sovereign Bonds \| -	4%	₹26 Cr	250,000,000
Net Current Assets Net Current Assets \| -	4%	₹31 Cr
Clearing Corporation Of India Ltd. Std - Margin CBLO/Reverse Repo \| -	0%	₹3 Cr	00

4. UTI Bond Fund

(Erstwhile UTI - Bond Fund)

The Scheme will retain the flexibility to invest in the entire range of debt and money market instruments. The flexibility is being retained to adjust the portfolio in response to a change in the risk to return equation for asset classes under investment, with a view to maintain risks within manageable limits.

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

Below is the key information for UTI Bond Fund

UTI Bond Fund Growth
Launch Date	4 May 98
NAV (29 Apr 25)	₹73.4924 ↑ 0.17 (0.23 %)
Net Assets (Cr)	₹320 on 31 Mar 25
Category	Debt - Medium to Long term
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.62
Sharpe Ratio	0.69
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.17%
Effective Maturity	9 Years 11 Months 5 Days
Modified Duration	6 Years 5 Months 1 Day
Sub Cat.	Medium to Long term

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,691
31 Mar 22	₹11,741
31 Mar 23	₹13,145
31 Mar 24	₹14,100
31 Mar 25	₹15,288

UTI Bond Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹209,201.
Net Profit of ₹29,201 Invest Now

Returns for UTI Bond Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Apr 25

Duration	Returns
1 Month	2%
3 Month	3.7%
6 Month	5.6%
1 Year	10.9%
3 Year	10.2%
5 Year	9%
10 Year
15 Year
Since launch	7.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	8.5%
2022	6.4%
2021	9.9%
2020	9.4%
2019	1.1%
2018	-5.8%
2017	4%
2016	3.6%
2015	13.9%
2014	6.3%

Fund Manager information for UTI Bond Fund

Name	Since	Tenure
Sunil Patil	17 Apr 23	1.96 Yr.

Data below for UTI Bond Fund as on 31 Mar 25

Asset Allocation

Asset Class	Value
Cash	4.23%
Debt	95.5%
Other	0.27%

Debt Sector Allocation

Sector	Value
Government	64.58%
Corporate	30.92%
Cash Equivalent	4.23%

Credit Quality

Rating	Value
AA	11.46%
AAA	88.54%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.92% Govt Stock 2039 Sovereign Bonds \| -	38%	₹123 Cr	1,190,000,000
6.79% Govt Stock 2034 Sovereign Bonds \| -	8%	₹26 Cr	250,000,000
7.08% Andhra Pradesh State Development Loans (26/03/2037) Sovereign Bonds \| -	8%	₹26 Cr	250,000,000
LIC Housing Finance Limited Debentures \| -	8%	₹26 Cr	250
7.17% Indian Railway Finance Corporation Limited** Debentures \| -	8%	₹25 Cr	2,500
Hdb Financial Services Ltd. Debentures \| -	8%	₹25 Cr	250
Cholamandalam Investment And Finance Company Limited Debentures \| -	5%	₹15 Cr	1,500
Aditya Birla Renewables Limited Debentures \| -	5%	₹15 Cr	1,500
INDIA UNIVERSAL TRUST AL1 Unlisted bonds \| -	4%	₹15 Cr	15
07.78 RJ Sdl 2033 Sovereign Bonds \| -	2%	₹5 Cr	50,000,000

5. UTI Short Term Income Fund

To generate steady and reasonable income with low risk and high level of liquidity from a portfolio of money market securities and high quality debt.

UTI Short Term Income Fund is a Debt - Short term Bond fund was launched on 19 Sep 07. It is a fund with Moderate risk and has given a CAGR/Annualized return of 6.7% since its launch. Ranked 10 in Short term Bond category. Return for 2024 was 7.9% , 2023 was 6.9% and 2022 was 3.8% .

Below is the key information for UTI Short Term Income Fund

UTI Short Term Income Fund Growth
Launch Date	19 Sep 07
NAV (29 Apr 25)	₹31.4351 ↑ 0.02 (0.07 %)
Net Assets (Cr)	₹2,566 on 31 Mar 25
Category	Debt - Short term Bond
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	0.94
Sharpe Ratio	1.04
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.29%
Effective Maturity	3 Years 11 Months 1 Day
Modified Duration	2 Years 11 Months 23 Days
Sub Cat.	Short term Bond

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,842
31 Mar 22	₹11,833
31 Mar 23	₹12,361
31 Mar 24	₹13,306
31 Mar 25	₹14,345

UTI Short Term Income Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹203,125.
Net Profit of ₹23,125 Invest Now

Returns for UTI Short Term Income Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Apr 25

Duration	Returns
1 Month	1.3%
3 Month	2.9%
6 Month	4.6%
1 Year	8.9%
3 Year	7.1%
5 Year	7.6%
10 Year
15 Year
Since launch	6.7%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2014	8.3%

Fund Manager information for UTI Short Term Income Fund

Name	Since	Tenure
Anurag Mittal	8 Apr 25	0 Yr.
Sudhir Agarwal	25 Oct 12	12.44 Yr.

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

Asset Allocation

Asset Class	Value
Cash	10.91%
Debt	88.84%
Other	0.25%

Debt Sector Allocation

Sector	Value
Corporate	63.75%
Government	28.35%
Cash Equivalent	7.66%

Credit Quality

Rating	Value
AA	11.48%
AAA	88.52%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.79% Govt Stock 2034 Sovereign Bonds \| -	11%	₹318 Cr	3,100,000,000 ↓ -900,000,000
LIC Housing Finance Limited Debentures \| -	6%	₹179 Cr	1,750
National Housing Bank Debentures \| -	6%	₹178 Cr	17,500
Small Industries Development Bank Of India Debentures \| -	6%	₹178 Cr	17,500
National Bank For Agriculture And Rural Development Debentures \| -	6%	₹177 Cr	17,500
Power Finance Corporation Ltd. Debentures \| -	6%	₹177 Cr	17,500
Export-Import Bank of India Domestic Bonds \| -	3%	₹101 Cr	10,000 ↑ 10,000
Kotak Mahindra Prime Limited Debentures \| -	3%	₹86 Cr	850 ↑ 100
Bajaj Finance Limited Debentures \| -	3%	₹76 Cr	7,500
Bajaj Finance Limited Debentures \| -	3%	₹76 Cr	7,500 ↑ 7,500

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.

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

Below is the key information for UTI Treasury Advantage Fund

UTI Treasury Advantage Fund Growth
Launch Date	23 Apr 07
NAV (29 Apr 25)	₹3,508.38 ↑ 1.17 (0.03 %)
Net Assets (Cr)	₹2,735 on 31 Mar 25
Category	Debt - Low Duration
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.44
Sharpe Ratio	2
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.39%
Effective Maturity	1 Year 18 Days
Modified Duration	11 Months 8 Days
Sub Cat.	Low Duration

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,638
31 Mar 22	₹11,617
31 Mar 23	₹12,220
31 Mar 24	₹13,119
31 Mar 25	₹14,136

UTI Treasury Advantage Fund SIP 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 29 Apr 25

Duration	Returns
1 Month	1%
3 Month	2.4%
6 Month	4.1%
1 Year	8.2%
3 Year	7%
5 Year	7.3%
10 Year
15 Year
Since launch	7.2%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2014	8.8%

Fund Manager information for UTI Treasury Advantage Fund

Name	Since	Tenure
Anurag Mittal	1 Dec 21	3.33 Yr.

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

Asset Allocation

Asset Class	Value
Cash	33.52%
Debt	66.17%
Other	0.31%

Debt Sector Allocation

Sector	Value
Corporate	56.98%
Government	23.81%
Cash Equivalent	18.9%

Credit Quality

Rating	Value
AA	13.95%
AAA	86.05%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
182 Days Tbill Sovereign Bonds \| -	10%	₹294 Cr	3,000,000,000
Power Finance Corporation Limited Debentures \| -	5%	₹148 Cr	1,500
Bajaj Housing Finance Limited Debentures \| -	4%	₹126 Cr	1,250
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹101 Cr	10,000
Rural Electrification Corporation Limited Debentures \| -	3%	₹101 Cr	10,000
Nirma Limited Debentures \| -	3%	₹75 Cr	7,500
360 One Prime Limited Debentures \| -	2%	₹55 Cr	550,000
INDIA UNIVERSAL TRUST AL1 Unlisted bonds \| -	2%	₹53 Cr	75
Rec Limited Debentures \| -	2%	₹51 Cr	5,000
Aditya Birla Renewables Limited Debentures \| -	2%	₹51 Cr	5,000

7. UTI Money Market Fund

To provide highest possible current income consistent with preservation of capital and providing liquidity from investing in a diversified portfolio of short term money market securities.

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

Below is the key information for UTI Money Market Fund

UTI Money Market Fund Growth
Launch Date	13 Jul 09
NAV (29 Apr 25)	₹3,051.13 ↑ 0.63 (0.02 %)
Net Assets (Cr)	₹16,265 on 31 Mar 25
Category	Debt - Money Market
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.27
Sharpe Ratio	2.5
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.24%
Effective Maturity	9 Months 17 Days
Modified Duration	9 Months 16 Days
Sub Cat.	Money Market

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,552
31 Mar 22	₹10,963
31 Mar 23	₹11,589
31 Mar 24	₹12,470
31 Mar 25	₹13,440

UTI Money Market Fund SIP 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 29 Apr 25

Duration	Returns
1 Month	0.9%
3 Month	2.4%
6 Month	4.2%
1 Year	8.1%
3 Year	7.2%
5 Year	6.2%
10 Year
15 Year
Since launch	7.3%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2014	8.4%

Fund Manager information for UTI Money Market Fund

Name	Since	Tenure
Anurag Mittal	1 Dec 21	3.33 Yr.
Amit Sharma	7 Jul 17	7.74 Yr.

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

Asset Allocation

Asset Class	Value
Cash	88.39%
Debt	11.37%
Other	0.24%

Debt Sector Allocation

Sector	Value
Corporate	45.32%
Cash Equivalent	35.01%
Government	19.43%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
364 Days Tbill (Md 05/03/2026) Sovereign Bonds \| -	3%	₹475 Cr	5,000,000,000
364 DTB 19mar2026 Sovereign Bonds \| -	3%	₹474 Cr	5,000,000,000
364 Days Tbill Red 12-03-2026 Sovereign Bonds \| -	1%	₹237 Cr	2,500,000,000
182 DTB 27062025 Sovereign Bonds \| -	1%	₹198 Cr	2,000,000,000
364 DTB 12022026 Sovereign Bonds \| -	1%	₹190 Cr	2,000,000,000
364 DTB 27022026 Sovereign Bonds \| -	1%	₹190 Cr	2,000,000,000
AU Small Finance Bank Ltd. Debentures \| -	1%	₹140 Cr	1,500,000,000
Equitas Small Finance Bank Ltd. Debentures \| -	1%	₹140 Cr	1,500,000,000
08.23 MH Sdl 2025 Sovereign Bonds \| -	1%	₹111 Cr	1,100,000,000
08.28 KA Sdl 2026 Sovereign Bonds \| -	1%	₹102 Cr	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.

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

Below is the key information for UTI Ultra Short Term Fund

UTI Ultra Short Term Fund Growth
Launch Date	29 Aug 03
NAV (29 Apr 25)	₹4,193.2 ↑ 0.62 (0.01 %)
Net Assets (Cr)	₹3,143 on 31 Mar 25
Category	Debt - Ultrashort Bond
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.96
Sharpe Ratio	0.91
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.57%
Effective Maturity	6 Months 23 Days
Modified Duration	5 Months 23 Days
Sub Cat.	Ultrashort Bond

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,498
31 Mar 22	₹11,148
31 Mar 23	₹11,703
31 Mar 24	₹12,516
31 Mar 25	₹13,414

UTI Ultra Short Term Fund SIP 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 29 Apr 25

Duration	Returns
1 Month	0.7%
3 Month	2%
6 Month	3.7%
1 Year	7.3%
3 Year	6.5%
5 Year	6.1%
10 Year
15 Year
Since launch	6.8%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2014	8.5%

Fund Manager information for UTI Ultra Short Term Fund

Name	Since	Tenure
Anurag Mittal	21 Jan 25	0.19 Yr.

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

Asset Allocation

Asset Class	Value
Cash	64.68%
Debt	35.1%
Other	0.22%

Debt Sector Allocation

Sector	Value
Corporate	49.45%
Cash Equivalent	37.98%
Government	12.34%

Credit Quality

Rating	Value
AA	18.56%
AAA	81.44%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
182 Days Tbill Sovereign Bonds \| -	4%	₹146 Cr	1,500,000,000 ↑ 500,000,000
Small Industries Development Bank Of India Debentures \| -	3%	₹130 Cr	1,300 ↑ 500
Bajaj Housing Finance Limited Debentures \| -	3%	₹101 Cr	1,000
182 Days Tbill Sovereign Bonds \| -	3%	₹98 Cr	1,000,000,000
Small Industries Development Bank Of India Debentures \| -	2%	₹75 Cr	750
LIC Housing Finance Ltd Debentures \| -	2%	₹75 Cr	750
Indian Bank Domestic Bonds \| -	2%	₹71 Cr	750,000,000
Small Industries Development Bank Of India Debentures \| -	1%	₹50 Cr	500
Export Import Bank Of India Debentures \| -	1%	₹50 Cr	500
Can Fin Homes Limited Debentures \| -	1%	₹50 Cr	500

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