ಭಾರತದಲ್ಲಿ ಮಲೇಷ್ಯಾ-ಆಧಾರಿತ NRI ಹೂಡಿಕೆಗಾಗಿ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳು

Updated on December 1, 2025 , 2234 views

ಮಲೇಷ್ಯಾದಲ್ಲಿ ವಾಸಿಸುವ ಅನೇಕ ಎನ್‌ಆರ್‌ಐಗಳು ಸಾಲ ಮತ್ತು ಈಕ್ವಿಟಿಯಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುತ್ತಾರೆಮಾರುಕಟ್ಟೆ ಉತ್ತಮ ಆದಾಯ ಗಳಿಸುವುದಕ್ಕಾಗಿ.ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ಗಳು ಹೆಚ್ಚಿನದನ್ನು ಗಳಿಸಲು ಉತ್ತಮ ಆಯ್ಕೆಯಾಗಿದೆಆದಾಯ ಸಾಂಪ್ರದಾಯಿಕ ಹೂಡಿಕೆಗಳಿಗೆ ಹೋಲಿಸಿದರೆ. ನೀವು ಎಂಎಫ್‌ಗಳಲ್ಲಿ ಹೆಚ್ಚು ಕಾಲ ಹೂಡಿಕೆ ಮಾಡಿದರೆ ಉತ್ತಮ ಆದಾಯವನ್ನು ಗಳಿಸುವ ಸಾಧ್ಯತೆಗಳು ಹೆಚ್ಚಿರುತ್ತವೆ.

ಸಾಮಾನ್ಯವಾಗಿ, ಮಲೇಷ್ಯಾದಲ್ಲಿ ವಾಸಿಸುವ ಎನ್‌ಆರ್‌ಐಗಳು ತಮ್ಮ ದೀರ್ಘಾವಧಿಯನ್ನು ಯೋಜಿಸುತ್ತಾರೆಹಣಕಾಸಿನ ಗುರಿಗಳು ಹಾಗೆನಿವೃತ್ತಿ ಮೂಲಕಹೂಡಿಕೆ ಭಾರತದಲ್ಲಿನ ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ. ಮ್ಯೂಚುವಲ್ ಫಂಡ್ ಹೂಡಿಕೆಗೆ ಯೋಜಿಸುತ್ತಿರುವ ಮಲೇಷ್ಯಾದಲ್ಲಿ ವಾಸಿಸುವ ಹೂಡಿಕೆದಾರರು, ನಿಧಿಯನ್ನು ನಿರ್ಧರಿಸುವ ಮೊದಲು ನೀವು ಯಾವಾಗಲೂ ಮಾಡಬೇಕಾದ ಮೊದಲನೆಯದು- ಹೂಡಿಕೆಯ ಸಮಯದ ಚೌಕಟ್ಟನ್ನು ನಿರ್ಧರಿಸುವುದು. ಉದಾಹರಣೆಗೆ, ನಿಮಗೆ ಮೂರು ವರ್ಷ ಅಥವಾ ಅದಕ್ಕಿಂತ ಕಡಿಮೆ ಅವಧಿಯಲ್ಲಿ ಹಣದ ಅಗತ್ಯವಿದ್ದರೆಕರೆ ಮಾಡಿ ಇದು ಅಲ್ಪಾವಧಿಯದ್ದಾಗಿದೆ. ನೀವು ಮೂರರಿಂದ ಐದು ವರ್ಷಗಳ ನಡುವಿನ ಹೂಡಿಕೆಯನ್ನು ರಿಡೀಮ್ ಮಾಡುವುದಾದರೆ ಅದನ್ನು ಮಧ್ಯಾವಧಿ ಎಂದು ಕರೆಯಿರಿ ಮತ್ತು ಐದು ವರ್ಷಗಳ ಮೇಲಿನ ಯಾವುದೇ ಸಮಯದಲ್ಲಿ ಅದನ್ನು ದೀರ್ಘಾವಧಿ ಎಂದು ಕರೆಯಿರಿ.

ಬಯಸುವ ಮಲೇಷ್ಯಾ ಮೂಲದ ಎನ್‌ಆರ್‌ಐಗಳುಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಿ ಭಾರತದಲ್ಲಿ ತಮ್ಮ ಹೂಡಿಕೆಯನ್ನು ಪ್ರಾರಂಭಿಸಲು ಅನುಸರಿಸಬೇಕಾದ ಕೆಲವು ಪ್ರಮುಖ ಮಾರ್ಗಸೂಚಿಗಳು ಮತ್ತು ನಿಯಮಗಳಿವೆ.

ಮಲೇಷ್ಯಾದಲ್ಲಿ ವಾಸಿಸುವ NRI ಗಾಗಿ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ಹೂಡಿಕೆಗಳು

ಭಾರತದಲ್ಲಿ ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಲು ಒಬ್ಬ ಭಾರತೀಯನೊಂದಿಗೆ ಈ ಕೆಳಗಿನ ಯಾವುದೇ ಖಾತೆಗಳನ್ನು ತೆರೆಯಬೇಕುಬ್ಯಾಂಕ್:

NRE ಖಾತೆ

ಇದು ಅನಿವಾಸಿ ಬಾಹ್ಯ (NRE) ಖಾತೆಯಾಗಿದ್ದು ಅದು ಉಳಿತಾಯ, ಪ್ರಸ್ತುತ, ಸ್ಥಿರ ಅಥವಾಮರುಕಳಿಸುವ ಠೇವಣಿ. ಈ ಖಾತೆಯಲ್ಲಿ ನೀವು ವಿದೇಶಿ ಕರೆನ್ಸಿಯನ್ನು ಠೇವಣಿ ಮಾಡಬೇಕಾಗುತ್ತದೆ. ಭಾರತೀಯ ಕರೆನ್ಸಿಯನ್ನು ಠೇವಣಿ ಮಾಡಲು, ನೀವು NRO ಖಾತೆಯನ್ನು ತೆರೆಯಬೇಕು. NRE ಖಾತೆಯಲ್ಲಿನ ವಹಿವಾಟಿನ ಮೊತ್ತಕ್ಕೆ ಯಾವುದೇ ಹೆಚ್ಚಿನ ಮಿತಿಯಿಲ್ಲ.

NRO ಖಾತೆ

NRO ಅಥವಾ ಅನಿವಾಸಿ ಸಾಮಾನ್ಯ ಖಾತೆಯು ಉಳಿತಾಯ ಅಥವಾ ಚಾಲ್ತಿ ಖಾತೆಯ ರೂಪದಲ್ಲಿದೆ, ಇದು NRI ಗಳಿಗೆ ಭಾರತದಲ್ಲಿ ಗಳಿಸಿದ ಆದಾಯವನ್ನು ನಿರ್ವಹಿಸಲು ಉದ್ದೇಶಿಸಲಾಗಿದೆ. NRO ಖಾತೆಯಲ್ಲಿ, ವಿದೇಶಿ ಕರೆನ್ಸಿ ಠೇವಣಿ ಮಾಡಿದ ನಂತರ ಭಾರತೀಯ ರೂಪಾಯಿಗೆ ಪರಿವರ್ತನೆಯಾಗುತ್ತದೆ. NRO ಖಾತೆಯನ್ನು ಮತ್ತೊಬ್ಬ NRI ಹಾಗೂ ನಿವಾಸಿ ಭಾರತೀಯ (ಹತ್ತಿರದ ಸಂಬಂಧಿಗಳು) ಜೊತೆ ಜಂಟಿಯಾಗಿ ನಡೆಸಬಹುದು.

FCNR ಖಾತೆ

ಇದು ವಿದೇಶಿ ಕರೆನ್ಸಿ ನಾನ್-ರಿಪ್ಯಾಟ್ರಿಬಲ್ ಖಾತೆ ಠೇವಣಿಗಳನ್ನು ಸೂಚಿಸುತ್ತದೆ. ಈ ಖಾತೆಯಲ್ಲಿ, NRIಗಳು ತಮ್ಮ ಹಣವನ್ನು ಪಾವತಿಸಬಹುದುಗಳಿಕೆ ಕೆನಡಿಯನ್ $, US$, ಯೂರೋ, AU$, ಯೆನ್ ಮತ್ತು ಪೌಂಡ್‌ನಂತಹ ಆರು ಕರೆನ್ಸಿಗಳಲ್ಲಿ ಒಂದರಲ್ಲಿ. ಇತರ FCNR ಅಥವಾ NRE ಖಾತೆಗಳಿಂದ ಹಣವನ್ನು ವರ್ಗಾಯಿಸಬಹುದು. FCNR ನಲ್ಲಿ, ಅಸಲು ಮತ್ತು ಬಡ್ಡಿಯು ಯಾವುದೇ ತೆರಿಗೆಯನ್ನು ಪಡೆಯುವುದಿಲ್ಲ.

ಒಮ್ಮೆ ನೀವು ಈ ಯಾವುದೇ ಖಾತೆಗಳನ್ನು ತೆರೆದರೆ, KYC ಮಾನದಂಡಗಳ ಅಡಿಯಲ್ಲಿ ನಿಮ್ಮ KYC (ನಿಮ್ಮ ಗ್ರಾಹಕರನ್ನು ತಿಳಿದುಕೊಳ್ಳಿ) ಅನ್ನು ನೀವು ಯಶಸ್ವಿಯಾಗಿ ಪೂರ್ಣಗೊಳಿಸಬೇಕು.SEBI (ಸೆಕ್ಯುರಿಟೀಸ್ ಎಕ್ಸ್ಚೇಂಜ್ ಬೋರ್ಡ್ ಆಫ್ ಇಂಡಿಯಾ). ಸೆಬಿ-ನೋಂದಾಯಿತ ಯಾವುದೇ ಮಧ್ಯವರ್ತಿಗಳೊಂದಿಗೆ ಒಬ್ಬರು ತಮ್ಮ KYC ಅನ್ನು ಪೂರ್ಣಗೊಳಿಸಬಹುದು.

ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಲು NRI ಗಾಗಿ KYC ಕಾರ್ಯವಿಧಾನ

ನಿಮ್ಮ KYC ಕಾರ್ಯವಿಧಾನವನ್ನು ಯಶಸ್ವಿಯಾಗಿ ಪೂರ್ಣಗೊಳಿಸಲು, ಮಲೇಷ್ಯಾ ಮೂಲದ-NRIಗಳು ಕೆಲವು ಪ್ರಮುಖ ಹಂತಗಳನ್ನು ಪೂರ್ಣಗೊಳಿಸಬೇಕು ಮತ್ತು ಡಾಕ್ಯುಮೆಂಟ್‌ಗಳನ್ನು ಒದಗಿಸಬೇಕು:

ಎ. KYC ಫಾರ್ಮ್

ಎನ್‌ಆರ್‌ಐ ಸಲ್ಲಿಸುವ ಅಗತ್ಯವಿದೆKYC ಫಾರ್ಮ್ SEBI ನೋಂದಾಯಿತ ಮಧ್ಯಂತರಕ್ಕೆ ತುಂಬಿದ ಎಲ್ಲಾ ಅಗತ್ಯ ವಿವರಗಳೊಂದಿಗೆ. ಡಾಕ್ಯುಮೆಂಟ್‌ಗಳನ್ನು ಕೊರಿಯರ್/ಪೋಸ್ಟ್ ಮೂಲಕ ಮಧ್ಯಂತರಕ್ಕೆ ಕಳುಹಿಸಬಹುದು.

ಬಿ. ದಾಖಲೆಗಳು

ಸಲ್ಲಿಸಬೇಕಾದ ಅಗತ್ಯ ದಾಖಲೆಗಳು ಈ ಕೆಳಗಿನಂತಿವೆ:

ಸಾಗರೋತ್ತರ ವಿಳಾಸ ಪುರಾವೆ
ಭಾರತೀಯ ನಿವಾಸಿ ವಿಳಾಸ ಪುರಾವೆ
ಇತ್ತೀಚಿನ ಛಾಯಾಚಿತ್ರ
ಪಾಸ್ಪೋರ್ಟ್ ನಕಲು

ಮರ್ಚೆಂಟ್ ನೇವಿಯಲ್ಲಿರುವ NRIಗಳ ಸಂದರ್ಭದಲ್ಲಿ, ನೌಕಾಪಡೆಯ ಘೋಷಣೆ ಅಥವಾ ನಿರಂತರ ಡಿಸ್ಚಾರ್ಜ್ ಪ್ರಮಾಣಪತ್ರದ ಪ್ರಮಾಣೀಕೃತ ಪ್ರತಿಯನ್ನು ಸಲ್ಲಿಸಬೇಕು.

ವಿರುದ್ಧ ಪ್ರಮಾಣಪತ್ರ

NRI ಗಳು ಅಥವಾ PIO ಗಳು (ಭಾರತ ಮೂಲದ ವ್ಯಕ್ತಿ) ಮೇಲಿನ ದಾಖಲೆಗಳನ್ನು ಭಾರತದಲ್ಲಿ ನೋಂದಾಯಿಸಲಾದ ನಿಗದಿತ ವಾಣಿಜ್ಯ ಬ್ಯಾಂಕ್‌ಗಳ ಸಾಗರೋತ್ತರ ಶಾಖೆಗಳ ಅಧಿಕೃತ ಅಧಿಕಾರಿಗಳು, ನ್ಯಾಯಾಧೀಶರು, ನ್ಯಾಯಾಲಯದ ಮ್ಯಾಜಿಸ್ಟ್ರೇಟ್, ಸಾರ್ವಜನಿಕ ನೋಟರಿಗಳು ಅಥವಾ ದೇಶದ ಭಾರತೀಯ ರಾಯಭಾರಿ/ದೂತಾವಾಸ ಜನರಲ್ ಮೂಲಕ ದೃಢೀಕರಿಸಬಹುದು. ನೆಲೆಗೊಂಡಿವೆ.

ಡಿ. ವೈಯಕ್ತಿಕ ಪರಿಶೀಲನೆಯಲ್ಲಿ (IPV)

SEBI ನಿಯಮಗಳ ಪ್ರಕಾರ, KYC ಪ್ರಕ್ರಿಯೆಗೆ IPV ಕಡ್ಡಾಯವಾಗಿದೆ. ಮಧ್ಯವರ್ತಿಯು NRIಗಳು/PIOಗಳ IPV ಅನ್ನು ನಡೆಸಬೇಕು.

ಸಲ್ಲಿಸುವಾಗ ಮೇಲಿನ ಎಲ್ಲಾ ದಾಖಲೆಗಳು/ಪುರಾವೆಗಳು ಇಂಗ್ಲಿಷ್ ಭಾಷೆಯಲ್ಲಿರಬೇಕು ಎಂಬುದನ್ನು ದಯವಿಟ್ಟು ಗಮನಿಸಿ.

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ಅನಿವಾಸಿ ಭಾರತೀಯ (NRI) ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ತೆರಿಗೆ

ಬಂಡವಾಳ ಹಣಕಾಸು ವರ್ಷ 2017-18 (ಮೌಲ್ಯಮಾಪನ ವರ್ಷ 2018-19) ಗಾಗಿ ಎನ್‌ಆರ್‌ಐ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ಹೂಡಿಕೆಗಳ ಮೇಲಿನ ಲಾಭದ ತೆರಿಗೆ ದರಗಳು ಕೆಳಕಂಡಂತಿವೆ:

ಎನ್ಆರ್ಐಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳ ಮೇಲಿನ ತೆರಿಗೆ-ಬಂಡವಾಳದಲ್ಲಿ ಲಾಭ ತೆರಿಗೆ ದರಗಳು- FY 2017/2018 (AY- 2018-19)

ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ಯೋಜನೆಯ ವಿಧಗಳು	ಅಲ್ಪಾವಧಿಯ ಬಂಡವಾಳ ಲಾಭಗಳು (STCG)	ದೀರ್ಘಾವಧಿಯ ಬಂಡವಾಳ ಲಾಭಗಳು (LTCG)
ಇಕ್ವಿಟಿ ಫಂಡ್‌ಗಳು- STCG- ಯುನಿಟ್‌ಗಳು ಒಂದು ವರ್ಷಕ್ಕಿಂತ ಕಡಿಮೆ ಅಥವಾ ಸಮನಾಗಿರುತ್ತದೆ, LTCG- ಯುನಿಟ್‌ಗಳು ಒಂದು ವರ್ಷಕ್ಕಿಂತ ಹೆಚ್ಚು	15%	ಶೂನ್ಯ
ನಾನ್-ಇಕ್ವಿಟಿ ಫಂಡ್‌ಗಳು- STCG- 3 ವರ್ಷ ಅಥವಾ ಅದಕ್ಕಿಂತ ಕಡಿಮೆ ಅವಧಿಯ ಯೂನಿಟ್‌ಗಳು, LTCG- ಯುನಿಟ್‌ಗಳು 3 ವರ್ಷಗಳಿಗಿಂತ ಹೆಚ್ಚು	ವ್ಯಕ್ತಿಯ ಪ್ರಕಾರಆದಾಯ ತೆರಿಗೆ ಬ್ರಾಕೆಟ್	ಪಟ್ಟಿ ಮಾಡಲಾದ ನಿಧಿಗಳಲ್ಲಿ-20% (ಸೂಚ್ಯಂಕದೊಂದಿಗೆ), ಪಟ್ಟಿಮಾಡದ ನಿಧಿಗಳು- 10% (ಸೂಚ್ಯಂಕವಿಲ್ಲದೆ)

ಲಾಭಾಂಶಗಳ ಮೇಲೆ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ತೆರಿಗೆ

ಈಕ್ವಿಟಿ ಫಂಡ್‌ಗಳ ಮೇಲಿನ ಲಾಭಾಂಶಗಳು: ಈಕ್ವಿಟಿ ಫಂಡ್‌ಗಳಿಗಾಗಿ ಯೂನಿಟ್ ಹೋಲ್ಡರ್‌ನ ಕೈಯಲ್ಲಿ ಪಡೆದ ಲಾಭಾಂಶವು ಸಂಪೂರ್ಣವಾಗಿ ತೆರಿಗೆ ಮುಕ್ತವಾಗಿರುತ್ತದೆ. ಡಿವಿಡೆಂಡ್ ಕೂಡ ತೆರಿಗೆ ಮುಕ್ತವಾಗಿದೆAMC.
ಸಾಲ ನಿಧಿಗಳ ಮೇಲಿನ ಲಾಭಾಂಶಗಳು: ಈ ಡಿವಿಡೆಂಡ್ ಆದಾಯವನ್ನು ತನ್ನ ಯೂನಿಟ್-ಹೋಲ್ಡರ್‌ಗಳಿಗೆ ವಿತರಿಸುವ ಮೊದಲು AMC 28.84% ನಷ್ಟು ಲಾಭಾಂಶ ವಿತರಣೆ ತೆರಿಗೆಯನ್ನು (DDT) ಪಾವತಿಸಬೇಕಾಗುತ್ತದೆ. ಲಾಭಾಂಶದ ಆದಾಯವನ್ನು ಎಸಾಲ ನಿಧಿ ಯುನಿಟ್ ಹೋಲ್ಡರ್ ಕೂಡ ತೆರಿಗೆ ಮುಕ್ತವಾಗಿರುತ್ತದೆ.

AY 2018-19 ಗಾಗಿ NRIಗಳಿಂದ MF ರಿಡಂಪ್ಶನ್‌ಗಳ ಮೇಲೆ ಅನ್ವಯವಾಗುವ TDS ದರವನ್ನು ಕೆಳಗೆ ನೀಡಲಾಗಿದೆ.

ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳ ಮೇಲಿನ NRI ತೆರಿಗೆ- ಕ್ಯಾಪಿಟಲ್ ಗೇನ್ಸ್ ತೆರಿಗೆ ದರಗಳು- FY 2017/2018 (AY- 2018-19)

NRIಗಳು ಮತ್ತು TDS ದರದಿಂದ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ರಿಡೆಂಪ್ಶನ್‌ಗಳು	STCG ಮತ್ತು TDS ದರ	LTCG ಮತ್ತು TDS ದರ
MF ಯೋಜನೆಯ ಪ್ರಕಾರ
ಈಕ್ವಿಟಿ ಓರಿಯೆಂಟೆಡ್ ಫಂಡ್‌ಗಳು	15%	ಶೂನ್ಯ
ಸಾಲ ನಿಧಿಗಳು	30%	ಪಟ್ಟಿ ಮಾಡಲಾದ ನಿಧಿಗಳಲ್ಲಿ- 20% (ಸೂಚ್ಯಂಕದೊಂದಿಗೆ), ಪಟ್ಟಿಮಾಡದ ನಿಧಿಗಳು- 10% (ಸೂಚ್ಯಂಕವಿಲ್ಲದೆ)

ಮಲೇಷ್ಯಾ ಮೂಲದ-ಎನ್‌ಆರ್‌ಐಗಳಿಗೆ ಹೂಡಿಕೆ ಮಾಡಲು ಅತ್ಯುತ್ತಮ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳು

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)	Sub Cat.
UTI Banking & PSU Debt Fund Growth	₹22.5515 ↑ 0.00	₹804	1.7	2.8	7.9	7.4	7	7.6	Banking & PSU Debt
UTI Dynamic Bond Fund Growth	₹31.4643 ↓ -0.01	₹456	1.9	0.8	6.1	7	8.4	8.6	Dynamic Bond
Sundaram Rural and Consumption Fund Growth	₹98.8316 ↓ -0.74	₹1,643	-1.4	3.4	0.1	15.3	16.6	20.1	Sectoral
BNP Paribas Multi Cap Fund Growth	₹73.5154 ↓ -0.01	₹588	-4.6	-2.6	19.3	17.3	13.6		Multi Cap
UTI Treasury Advantage Fund Growth	₹3,651.68 ↑ 0.47	₹2,814	1.7	3.2	7.7	7.5	7.1	7.7	Low Duration
UTI Money Market Fund Growth	₹3,171.79 ↑ 0.27	₹20,352	1.5	3.1	7.6	7.6	6.2	7.7	Money Market
UTI Short Term Income Fund Growth	₹32.5647 ↓ 0.00	₹3,381	1.7	2.5	7.5	7.5	6.9	7.9	Short term Bond
UTI Ultra Short Term Fund Growth	₹4,345.43 ↑ 0.36	₹4,097	1.4	2.9	6.8	6.9	6.2	7.2	Ultrashort Bond
UTI Bond Fund Growth	₹74.2635 ↓ -0.03	₹316	1.5	0.2	5.7	6.8	8	8.5	Medium to Long term
UTI Regular Savings Fund Growth	₹70.4847 ↓ -0.05	₹1,710	2	1.7	5.1	9.4	9.5	11.6	Hybrid Debt
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 3 Dec 25

Research Highlights & Commentary of 10 Funds showcased

Commentary	UTI Banking & PSU Debt Fund	UTI Dynamic Bond Fund	Sundaram Rural and Consumption Fund	BNP Paribas Multi Cap Fund	UTI Treasury Advantage Fund	UTI Money Market Fund	UTI Short Term Income Fund	UTI Ultra Short Term Fund	UTI Bond Fund	UTI Regular Savings Fund
Point 1	Lower mid AUM (₹804 Cr).	Bottom quartile AUM (₹456 Cr).	Lower mid AUM (₹1,643 Cr).	Bottom quartile AUM (₹588 Cr).	Upper mid AUM (₹2,814 Cr).	Highest AUM (₹20,352 Cr).	Upper mid AUM (₹3,381 Cr).	Top quartile AUM (₹4,097 Cr).	Bottom quartile AUM (₹316 Cr).	Upper mid AUM (₹1,710 Cr).
Point 2	Established history (11+ yrs).	Established history (15+ yrs).	Established history (19+ yrs).	Established history (20+ yrs).	Established history (18+ yrs).	Established history (16+ yrs).	Established history (18+ yrs).	Established history (22+ yrs).	Oldest track record among peers (27 yrs).	Established history (21+ yrs).
Point 3	Top rated.	Rating: 5★ (top quartile).	Rating: 5★ (upper mid).	Rating: 4★ (upper mid).	Rating: 4★ (upper mid).	Rating: 4★ (lower mid).	Rating: 4★ (lower mid).	Rating: 4★ (bottom quartile).	Rating: 4★ (bottom quartile).	Rating: 4★ (bottom quartile).
Point 4	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately Low.	Risk profile: Low.	Risk profile: Moderate.	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Moderately High.
Point 5	1Y return: 7.90% (top quartile).	1Y return: 6.15% (lower mid).	5Y return: 16.62% (top quartile).	5Y return: 13.57% (top quartile).	1Y return: 7.68% (upper mid).	1Y return: 7.57% (upper mid).	1Y return: 7.55% (upper mid).	1Y return: 6.75% (lower mid).	1Y return: 5.67% (bottom quartile).	5Y return: 9.47% (upper mid).
Point 6	1M return: 0.45% (upper mid).	1M return: 0.39% (lower mid).	3Y return: 15.28% (top quartile).	3Y return: 17.28% (top quartile).	1M return: 0.53% (top quartile).	1M return: 0.50% (top quartile).	1M return: 0.43% (upper mid).	1M return: 0.47% (upper mid).	1M return: 0.20% (lower mid).	3Y return: 9.36% (upper mid).
Point 7	Sharpe: 1.56 (upper mid).	Sharpe: 0.08 (lower mid).	1Y return: 0.14% (bottom quartile).	1Y return: 19.34% (top quartile).	Sharpe: 2.49 (upper mid).	Sharpe: 2.90 (top quartile).	Sharpe: 1.18 (lower mid).	Sharpe: 1.70 (upper mid).	Sharpe: 0.02 (bottom quartile).	1Y return: 5.09% (bottom quartile).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (top quartile).	Alpha: -3.88 (bottom quartile).	Alpha: 0.00 (upper mid).	Information ratio: 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).	1M return: 0.15% (bottom quartile).
Point 9	Yield to maturity (debt): 6.50% (lower mid).	Yield to maturity (debt): 6.81% (upper mid).	Sharpe: -0.04 (bottom quartile).	Sharpe: 2.86 (top quartile).	Yield to maturity (debt): 6.80% (upper mid).	Yield to maturity (debt): 6.26% (bottom quartile).	Yield to maturity (debt): 6.77% (upper mid).	Yield to maturity (debt): 6.63% (lower mid).	Yield to maturity (debt): 7.22% (top quartile).	Alpha: 0.00 (bottom quartile).
Point 10	Modified duration: 1.54 yrs (lower mid).	Modified duration: 4.66 yrs (bottom quartile).	Information ratio: -0.18 (bottom quartile).	Information ratio: 0.00 (upper mid).	Modified duration: 0.92 yrs (upper mid).	Modified duration: 0.40 yrs (upper mid).	Modified duration: 2.49 yrs (lower mid).	Modified duration: 0.46 yrs (upper mid).	Modified duration: 5.90 yrs (bottom quartile).	Sharpe: -0.09 (bottom quartile).

UTI Banking & PSU Debt Fund

Lower mid AUM (₹804 Cr).
Established history (11+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 7.90% (top quartile).
1M return: 0.45% (upper mid).
Sharpe: 1.56 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.50% (lower mid).
Modified duration: 1.54 yrs (lower mid).

UTI Dynamic Bond Fund

Bottom quartile AUM (₹456 Cr).
Established history (15+ yrs).
Rating: 5★ (top quartile).
Risk profile: Moderate.
1Y return: 6.15% (lower mid).
1M return: 0.39% (lower mid).
Sharpe: 0.08 (lower mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.81% (upper mid).
Modified duration: 4.66 yrs (bottom quartile).

Sundaram Rural and Consumption Fund

Lower mid AUM (₹1,643 Cr).
Established history (19+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately High.
5Y return: 16.62% (top quartile).
3Y return: 15.28% (top quartile).
1Y return: 0.14% (bottom quartile).
Alpha: -3.88 (bottom quartile).
Sharpe: -0.04 (bottom quartile).
Information ratio: -0.18 (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 Treasury Advantage Fund

Upper mid AUM (₹2,814 Cr).
Established history (18+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately Low.
1Y return: 7.68% (upper mid).
1M return: 0.53% (top quartile).
Sharpe: 2.49 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.80% (upper mid).
Modified duration: 0.92 yrs (upper mid).

UTI Money Market Fund

Highest AUM (₹20,352 Cr).
Established history (16+ yrs).
Rating: 4★ (lower mid).
Risk profile: Low.
1Y return: 7.57% (upper mid).
1M return: 0.50% (top quartile).
Sharpe: 2.90 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.26% (bottom quartile).
Modified duration: 0.40 yrs (upper mid).

UTI Short Term Income Fund

Upper mid AUM (₹3,381 Cr).
Established history (18+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderate.
1Y return: 7.55% (upper mid).
1M return: 0.43% (upper mid).
Sharpe: 1.18 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.77% (upper mid).
Modified duration: 2.49 yrs (lower mid).

UTI Ultra Short Term Fund

Top quartile AUM (₹4,097 Cr).
Established history (22+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 6.75% (lower mid).
1M return: 0.47% (upper mid).
Sharpe: 1.70 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.63% (lower mid).
Modified duration: 0.46 yrs (upper mid).

UTI Bond Fund

Bottom quartile AUM (₹316 Cr).
Oldest track record among peers (27 yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderate.
1Y return: 5.67% (bottom quartile).
1M return: 0.20% (lower mid).
Sharpe: 0.02 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.22% (top quartile).
Modified duration: 5.90 yrs (bottom quartile).

UTI Regular Savings Fund

Upper mid AUM (₹1,710 Cr).
Established history (21+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 9.47% (upper mid).
3Y return: 9.36% (upper mid).
1Y return: 5.09% (bottom quartile).
1M return: 0.15% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.09 (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 (₹804 Cr).
Established history (11+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 7.90% (top quartile).
1M return: 0.45% (upper mid).
Sharpe: 1.56 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.50% (lower mid).
Modified duration: 1.54 yrs (lower mid).
Average maturity: 1.76 yrs (lower mid).
Exit load: NIL.

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

UTI Banking & PSU Debt Fund Growth
Launch Date	3 Feb 14
NAV (03 Dec 25)	₹22.5515 ↑ 0.00 (0.01 %)
Net Assets (Cr)	₹804 on 31 Oct 25
Category	Debt - Banking & PSU Debt
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆☆
Risk	Moderate
Expense Ratio	0.54
Sharpe Ratio	1.56
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.5%
Effective Maturity	1 Year 9 Months 4 Days
Modified Duration	1 Year 6 Months 14 Days

Growth of 10,000 investment over the years.

Date	Value

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 3 Dec 25

Duration	Returns
1 Month	0.4%
3 Month	1.7%
6 Month	2.8%
1 Year	7.9%
3 Year	7.4%
5 Year	7%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.6%
2023	6.7%
2022	10.3%
2021	2.8%
2020	8.9%
2019	-1%
2018	6.8%
2017	6.4%
2016	11.7%
2015	8.6%

Fund Manager information for UTI Banking & PSU Debt Fund

Name	Since	Tenure

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

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

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 (₹456 Cr).
Established history (15+ yrs).
Rating: 5★ (top quartile).
Risk profile: Moderate.
1Y return: 6.15% (lower mid).
1M return: 0.39% (lower mid).
Sharpe: 0.08 (lower mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.81% (upper mid).
Modified duration: 4.66 yrs (bottom quartile).
Average maturity: 6.53 yrs (bottom quartile).
Exit load: NIL.

Below is the key information for UTI Dynamic Bond Fund

UTI Dynamic Bond Fund Growth
Launch Date	16 Jun 10
NAV (03 Dec 25)	₹31.4643 ↓ -0.01 (-0.04 %)
Net Assets (Cr)	₹456 on 31 Oct 25
Category	Debt - Dynamic Bond
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆☆
Risk	Moderate
Expense Ratio	1.54
Sharpe Ratio	0.08
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.81%
Effective Maturity	6 Years 6 Months 11 Days
Modified Duration	4 Years 7 Months 28 Days

Growth of 10,000 investment over the years.

Date	Value

UTI Dynamic Bond Fund SIP 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 3 Dec 25

Duration	Returns
1 Month	0.4%
3 Month	1.9%
6 Month	0.8%
1 Year	6.1%
3 Year	7%
5 Year	8.4%
10 Year
15 Year
Since launch	7.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.6%
2023	6.2%
2022	10.1%
2021	10.8%
2020	5.9%
2019	-3.9%
2018	5.2%
2017	4.2%
2016	14.9%
2015	6.9%

Fund Manager information for UTI Dynamic Bond Fund

Name	Since	Tenure

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

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

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 (₹1,643 Cr).
Established history (19+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately High.
5Y return: 16.62% (top quartile).
3Y return: 15.28% (top quartile).
1Y return: 0.14% (bottom quartile).
Alpha: -3.88 (bottom quartile).
Sharpe: -0.04 (bottom quartile).
Information ratio: -0.18 (bottom quartile).

Below is the key information for Sundaram Rural and Consumption Fund

Sundaram Rural and Consumption Fund Growth
Launch Date	12 May 06
NAV (03 Dec 25)	₹98.8316 ↓ -0.74 (-0.74 %)
Net Assets (Cr)	₹1,643 on 31 Oct 25
Category	Equity - Sectoral
AMC	Sundaram Asset Management Company Ltd
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	2.18
Sharpe Ratio	-0.04
Information Ratio	-0.18
Alpha Ratio	-3.88
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value

Sundaram Rural and Consumption Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹458,689.
Net Profit of ₹158,689 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 3 Dec 25

Duration	Returns
1 Month	-2.3%
3 Month	-1.4%
6 Month	3.4%
1 Year	0.1%
3 Year	15.3%
5 Year	16.6%
10 Year
15 Year
Since launch	12.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	20.1%
2023	30.2%
2022	9.3%
2021	19.3%
2020	13.5%
2019	2.7%
2018	-7.8%
2017	38.7%
2016	21.1%
2015	6.3%

Fund Manager information for Sundaram Rural and Consumption Fund

Name	Since	Tenure

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

Equity Sector Allocation

Sector	Value

Asset Allocation

Asset Class	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

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.

Date	Value

BNP Paribas Multi Cap Fund SIP 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 3 Dec 25

Duration	Returns
1 Month	-4.4%
3 Month	-4.6%
6 Month	-2.6%
1 Year	19.3%
3 Year	17.3%
5 Year	13.6%
10 Year
15 Year
Since launch	12.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015

Fund Manager information for BNP Paribas Multi Cap Fund

Name	Since	Tenure

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

Equity Sector Allocation

Sector	Value

Asset Allocation

Asset Class	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

5. UTI 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 (₹2,814 Cr).
Established history (18+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately Low.
1Y return: 7.68% (upper mid).
1M return: 0.53% (top quartile).
Sharpe: 2.49 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.80% (upper mid).
Modified duration: 0.92 yrs (upper mid).
Average maturity: 1.18 yrs (upper mid).
Exit load: NIL.

Below is the key information for UTI Treasury Advantage Fund

UTI Treasury Advantage Fund Growth
Launch Date	23 Apr 07
NAV (03 Dec 25)	₹3,651.68 ↑ 0.47 (0.01 %)
Net Assets (Cr)	₹2,814 on 31 Oct 25
Category	Debt - Low Duration
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.45
Sharpe Ratio	2.49
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.8%
Effective Maturity	1 Year 2 Months 5 Days
Modified Duration	11 Months 1 Day

Growth of 10,000 investment over the years.

Date	Value

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 3 Dec 25

Duration	Returns
1 Month	0.5%
3 Month	1.7%
6 Month	3.2%
1 Year	7.7%
3 Year	7.5%
5 Year	7.1%
10 Year
15 Year
Since launch	7.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.7%
2023	7.1%
2022	4.5%
2021	9%
2020	7.3%
2019	-4.2%
2018	7.3%
2017	7%
2016	8.9%
2015	8.8%

Fund Manager information for UTI Treasury Advantage Fund

Name	Since	Tenure

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

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

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 (₹20,352 Cr).
Established history (16+ yrs).
Rating: 4★ (lower mid).
Risk profile: Low.
1Y return: 7.57% (upper mid).
1M return: 0.50% (top quartile).
Sharpe: 2.90 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.26% (bottom quartile).
Modified duration: 0.40 yrs (upper mid).
Average maturity: 0.40 yrs (upper mid).
Exit load: NIL.

Below is the key information for UTI Money Market Fund

UTI Money Market Fund Growth
Launch Date	13 Jul 09
NAV (03 Dec 25)	₹3,171.79 ↑ 0.27 (0.01 %)
Net Assets (Cr)	₹20,352 on 31 Oct 25
Category	Debt - Money Market
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.25
Sharpe Ratio	2.9
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.26%
Effective Maturity	4 Months 24 Days
Modified Duration	4 Months 24 Days

Growth of 10,000 investment over the years.

Date	Value

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 3 Dec 25

Duration	Returns
1 Month	0.5%
3 Month	1.5%
6 Month	3.1%
1 Year	7.6%
3 Year	7.6%
5 Year	6.2%
10 Year
15 Year
Since launch	7.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.7%
2023	7.4%
2022	4.9%
2021	3.7%
2020	6%
2019	8%
2018	7.8%
2017	6.7%
2016	7.7%
2015	8.4%

Fund Manager information for UTI Money Market Fund

Name	Since	Tenure

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

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

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 (₹3,381 Cr).
Established history (18+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderate.
1Y return: 7.55% (upper mid).
1M return: 0.43% (upper mid).
Sharpe: 1.18 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.77% (upper mid).
Modified duration: 2.49 yrs (lower mid).
Average maturity: 3.15 yrs (lower mid).
Exit load: NIL.

Below is the key information for UTI Short Term Income Fund

UTI Short Term Income Fund Growth
Launch Date	19 Sep 07
NAV (03 Dec 25)	₹32.5647 ↓ 0.00 (-0.01 %)
Net Assets (Cr)	₹3,381 on 31 Oct 25
Category	Debt - Short term Bond
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	0.85
Sharpe Ratio	1.18
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.77%
Effective Maturity	3 Years 1 Month 24 Days
Modified Duration	2 Years 5 Months 26 Days

Growth of 10,000 investment over the years.

Date	Value

UTI Short Term Income 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 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 3 Dec 25

Duration	Returns
1 Month	0.4%
3 Month	1.7%
6 Month	2.5%
1 Year	7.5%
3 Year	7.5%
5 Year	6.9%
10 Year
15 Year
Since launch	6.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.9%
2023	6.9%
2022	3.8%
2021	8.4%
2020	10.5%
2019	-3.9%
2018	6%
2017	6.1%
2016	10.1%
2015	8.3%

Fund Manager information for UTI Short Term Income Fund

Name	Since	Tenure

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

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

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

Top quartile AUM (₹4,097 Cr).
Established history (22+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 6.75% (lower mid).
1M return: 0.47% (upper mid).
Sharpe: 1.70 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.63% (lower mid).
Modified duration: 0.46 yrs (upper mid).
Average maturity: 0.54 yrs (upper mid).
Exit load: NIL.

Below is the key information for UTI Ultra Short Term Fund

UTI Ultra Short Term Fund Growth
Launch Date	29 Aug 03
NAV (03 Dec 25)	₹4,345.43 ↑ 0.36 (0.01 %)
Net Assets (Cr)	₹4,097 on 31 Oct 25
Category	Debt - Ultrashort Bond
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.93
Sharpe Ratio	1.7
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.63%
Effective Maturity	6 Months 13 Days
Modified Duration	5 Months 15 Days

Growth of 10,000 investment over the years.

Date	Value

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 3 Dec 25

Duration	Returns
1 Month	0.5%
3 Month	1.4%
6 Month	2.9%
1 Year	6.8%
3 Year	6.9%
5 Year	6.2%
10 Year
15 Year
Since launch	6.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.2%
2023	6.7%
2022	4.2%
2021	6.1%
2020	5.3%
2019	3.3%
2018	7%
2017	6.6%
2016	8.9%
2015	8.5%

Fund Manager information for UTI Ultra Short Term Fund

Name	Since	Tenure

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

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

9. 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.

Research Highlights for UTI Bond Fund

Bottom quartile AUM (₹316 Cr).
Oldest track record among peers (27 yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderate.
1Y return: 5.67% (bottom quartile).
1M return: 0.20% (lower mid).
Sharpe: 0.02 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.22% (top quartile).
Modified duration: 5.90 yrs (bottom quartile).
Average maturity: 9.04 yrs (bottom quartile).
Exit load: NIL.

Below is the key information for UTI Bond Fund

UTI Bond Fund Growth
Launch Date	4 May 98
NAV (03 Dec 25)	₹74.2635 ↓ -0.03 (-0.04 %)
Net Assets (Cr)	₹316 on 31 Oct 25
Category	Debt - Medium to Long term
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.62
Sharpe Ratio	0.02
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.22%
Effective Maturity	9 Years 14 Days
Modified Duration	5 Years 10 Months 24 Days

Growth of 10,000 investment over the years.

Date	Value

UTI Bond Fund SIP 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 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 3 Dec 25

Duration	Returns
1 Month	0.2%
3 Month	1.5%
6 Month	0.2%
1 Year	5.7%
3 Year	6.8%
5 Year	8%
10 Year
15 Year
Since launch	7.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.5%
2023	6.4%
2022	9.9%
2021	9.4%
2020	1.1%
2019	-5.8%
2018	4%
2017	3.6%
2016	13.9%
2015	6.3%

Fund Manager information for UTI Bond Fund

Name	Since	Tenure

Data below for UTI Bond Fund as on 31 Oct 25

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

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

Upper mid AUM (₹1,710 Cr).
Established history (21+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 9.47% (upper mid).
3Y return: 9.36% (upper mid).
1Y return: 5.09% (bottom quartile).
1M return: 0.15% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.09 (bottom quartile).
Information ratio: 0.00 (bottom quartile).

Below is the key information for UTI Regular Savings Fund

UTI Regular Savings Fund Growth
Launch Date	16 Dec 03
NAV (03 Dec 25)	₹70.4847 ↓ -0.05 (-0.07 %)
Net Assets (Cr)	₹1,710 on 31 Oct 25
Category	Hybrid - Hybrid Debt
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	1.81
Sharpe Ratio	-0.09
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.

Date	Value

UTI Regular Savings Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹385,859.
Net Profit of ₹85,859 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 3 Dec 25

Duration	Returns
1 Month	0.1%
3 Month	2%
6 Month	1.7%
1 Year	5.1%
3 Year	9.4%
5 Year	9.5%
10 Year
15 Year
Since launch	9.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	11.6%
2023	11.3%
2022	3.3%
2021	13.2%
2020	10.2%
2019	2.8%
2018	3.4%
2017	12.5%
2016	8.9%
2015	7.1%

Fund Manager information for UTI Regular Savings Fund

Name	Since	Tenure

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

Asset Allocation

Asset Class	Value

Equity Sector Allocation

Sector	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

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