ಭಾರತದಲ್ಲಿ ನ್ಯೂಜಿಲೆಂಡ್-ಆಧಾರಿತ NRI ಹೂಡಿಕೆಗಾಗಿ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳು

Updated on February 16, 2026 , 3444 views

ನ್ಯೂಜಿಲೆಂಡ್‌ನಲ್ಲಿ ವಾಸಿಸುವ ಎನ್‌ಆರ್‌ಐಗಳು ತಮ್ಮ ಹೂಡಿಕೆ ಉದ್ದೇಶಗಳ ಪ್ರಕಾರ ಮ್ಯೂಚುವಲ್ ಫಂಡ್ ಯೋಜನೆಗಳ ಹೋಸ್ಟ್‌ನಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಬಹುದು. ಅಲ್ಲದೆ, ಹೂಡಿಕೆ ಪೋರ್ಟ್‌ಫೋಲಿಯೊವನ್ನು ವೈವಿಧ್ಯಗೊಳಿಸಲು ಮತ್ತು ಸಮಯಕ್ಕೆ ಸೂಕ್ತವಾದ ಆದಾಯವನ್ನು ಗಳಿಸಲು ಬಯಸುವವರು,ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ಗಳು ಪರಿಗಣಿಸಲು ಉತ್ತಮ ಆಯ್ಕೆಯಾಗಿದೆ.

ನ್ಯೂಜಿಲೆಂಡ್‌ನಲ್ಲಿ ವಾಸಿಸುತ್ತಿರುವ ಅನಿವಾಸಿ ಭಾರತೀಯರು (NRIಗಳು) ಬೆಳೆಯುತ್ತಿರುವ ಮನೆಯಿಂದ ಪ್ರಯೋಜನ ಪಡೆಯಬಹುದುಆರ್ಥಿಕತೆ ಮೂಲಕಹೂಡಿಕೆ ಭಾರತದಲ್ಲಿನ ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ. ಭಾರತವು ವಿಶ್ವದ ಆರನೇ ಅತಿದೊಡ್ಡ ಆರ್ಥಿಕತೆ ಎಂದು ಘೋಷಿಸಲ್ಪಟ್ಟ ಸಮಯದಿಂದ, ಇದು ಅನೇಕ NRI ಹೂಡಿಕೆದಾರರ ಗಮನವನ್ನು ಸೆಳೆಯಿತು.

ಸಾಂಪ್ರದಾಯಿಕವಾಗಿ, ಅನಿವಾಸಿ ಭಾರತೀಯರು ಭಾರತದಲ್ಲಿ ರಿಯಲ್ ಎಸ್ಟೇಟ್‌ನಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಲು ಹೆಚ್ಚು ಆರಾಮದಾಯಕವಾಗಿದ್ದಾರೆ. ಆದರೆ, ಭಾರತದ ಬೆಳೆಯುತ್ತಿರುವ ಆರ್ಥಿಕತೆಯು ಅವರಿಗೆ ವಿಶೇಷವಾಗಿ ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳಿಗೆ ಹೂಡಿಕೆಯ ಆಯ್ಕೆಗಳನ್ನು ವಿಸ್ತರಿಸಿದೆ.

ಎನ್‌ಆರ್‌ಐಗಳು ಹೆಚ್ಚಾಗಿ ಎರಡು ಪ್ರಮುಖ ಕಾರಣಗಳಿಗಾಗಿ ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಲು ಬಯಸುತ್ತಾರೆ- ಒಂದು ಅವರು ಷೇರುಗಳಲ್ಲಿ ಪರೋಕ್ಷವಾಗಿ ಷೇರುಗಳಲ್ಲಿ ಭಾಗವಹಿಸಬಹುದು ಮತ್ತು ಇನ್ನೊಂದು ಅವರು ಅದಕ್ಕಿಂತ ಹೆಚ್ಚಿನ ಆದಾಯವನ್ನು ಗಳಿಸಬಹುದುಬ್ಯಾಂಕ್ ಸಾಲ ನಿಧಿಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವ ಮೂಲಕ ಅಲ್ಪಾವಧಿಗೆ ಉಳಿತಾಯ ಖಾತೆಗಳು. ಪೋರ್ಟ್‌ಫೋಲಿಯೊ ವೈವಿಧ್ಯೀಕರಣಕ್ಕೆ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳು ಉತ್ತಮ ಆಯ್ಕೆಯಾಗಿದೆ. MFಗಳು ಬಹು ಭದ್ರತೆಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವುದರಿಂದ ಇದು ಅಪಾಯವನ್ನು ವೈವಿಧ್ಯಗೊಳಿಸುತ್ತದೆ.

ನ್ಯೂಜಿಲೆಂಡ್‌ನಲ್ಲಿ ವಾಸಿಸುವ ಎನ್‌ಆರ್‌ಐಗಳಿಗೆ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ಹೂಡಿಕೆ

ಗೆಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಿ ಭಾರತದಲ್ಲಿ ಒಬ್ಬರು ಭಾರತೀಯ ಬ್ಯಾಂಕ್‌ನೊಂದಿಗೆ ಕೆಳಗಿನ ಯಾವುದೇ ಖಾತೆಗಳನ್ನು ತೆರೆಯಬೇಕು:

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 ಗಳು ತಮ್ಮ ನಿರ್ವಹಣೆಗಾಗಿ ಉದ್ದೇಶಿಸಲಾಗಿದೆಆದಾಯ ಭಾರತದಲ್ಲಿ ಗಳಿಸಿದರು. 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 ನ್ಯೂಜಿಲೆಂಡ್ ಎನ್‌ಆರ್‌ಐಗಳಿಗೆ KYC ಕಾರ್ಯವಿಧಾನ

ನಿಮ್ಮ KYC ಕಾರ್ಯವಿಧಾನವನ್ನು ಯಶಸ್ವಿಯಾಗಿ ಪೂರ್ಣಗೊಳಿಸಲು, ನ್ಯೂಜಿಲೆಂಡ್ NRI ಗಳು 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.

Ready to Invest?
Talk to our investment specialist

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)

ನ್ಯೂಜಿಲೆಂಡ್ ಎನ್‌ಆರ್‌ಐಗಳಿಗೆ ಅತ್ಯುತ್ತಮ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳು

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
UTI Banking & PSU Debt Fund Growth	₹22.7506 ↓ 0.00	₹1,015	1.1	2.7	7.5	7.4	7.2	7.8
UTI Dynamic Bond Fund Growth	₹31.6394 ↓ -0.02	₹430	0.7	2.2	5.7	6.9	8.6	6
Sundaram Rural and Consumption Fund Growth	₹93.9159 ↑ 0.33	₹1,584	-6.5	-4.8	5.2	15.5	13.4	-0.1
Sundaram Mid Cap Fund Growth	₹1,445.54 ↑ 6.50	₹13,293	0.4	4.4	22.9	25.5	20.1	4.1
BNP Paribas Multi Cap Fund Growth	₹73.5154 ↓ -0.01	₹588	-4.6	-2.6	19.3	17.3	13.6
UTI Treasury Advantage Fund Growth	₹3,691.05 ↑ 0.11	₹2,667	1.3	3	7.3	7.4	7.2	7.5
UTI Money Market Fund Growth	₹3,209 ↑ 0.04	₹19,301	1.4	3	7.2	7.5	6.3	7.5
UTI Short Term Income Fund Growth	₹32.8034 ↓ 0.00	₹3,181	0.9	2.5	7	7.4	7	7.3
UTI Regular Savings Fund Growth	₹70.5359 ↑ 0.05	₹1,703	0.2	1.9	6.8	9.5	8.8	6.1
UTI Ultra Short Term Fund Growth	₹4,391.78 ↑ 0.08	₹3,655	1.3	2.7	6.4	6.8	6.2	6.6
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 18 Feb 26

Research Highlights & Commentary of 10 Funds showcased

Commentary	UTI Banking & PSU Debt Fund	UTI Dynamic Bond Fund	Sundaram Rural and Consumption Fund	Sundaram Mid Cap Fund	BNP Paribas Multi Cap Fund	UTI Treasury Advantage Fund	UTI Money Market Fund	UTI Short Term Income Fund	UTI Regular Savings Fund	UTI Ultra Short Term Fund
Point 1	Bottom quartile AUM (₹1,015 Cr).	Bottom quartile AUM (₹430 Cr).	Lower mid AUM (₹1,584 Cr).	Top quartile AUM (₹13,293 Cr).	Bottom quartile AUM (₹588 Cr).	Upper mid AUM (₹2,667 Cr).	Highest AUM (₹19,301 Cr).	Upper mid AUM (₹3,181 Cr).	Lower mid AUM (₹1,703 Cr).	Upper mid AUM (₹3,655 Cr).
Point 2	Established history (12+ yrs).	Established history (15+ yrs).	Established history (19+ yrs).	Oldest track record among peers (23 yrs).	Established history (20+ yrs).	Established history (18+ yrs).	Established history (16+ yrs).	Established history (18+ yrs).	Established history (22+ yrs).	Established history (22+ 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 High.	Risk profile: Moderately Low.	Risk profile: Low.	Risk profile: Moderate.	Risk profile: Moderately High.	Risk profile: Moderately Low.
Point 5	1Y return: 7.47% (upper mid).	1Y return: 5.72% (bottom quartile).	5Y return: 13.43% (upper mid).	5Y return: 20.06% (top quartile).	5Y return: 13.57% (top quartile).	1Y return: 7.33% (upper mid).	1Y return: 7.23% (upper mid).	1Y return: 7.00% (lower mid).	5Y return: 8.79% (upper mid).	1Y return: 6.43% (bottom quartile).
Point 6	1M return: 0.68% (upper mid).	1M return: 0.63% (upper mid).	3Y return: 15.51% (upper mid).	3Y return: 25.51% (top quartile).	3Y return: 17.28% (top quartile).	1M return: 0.68% (upper mid).	1M return: 0.60% (lower mid).	1M return: 0.76% (top quartile).	3Y return: 9.54% (upper mid).	1M return: 0.58% (lower mid).
Point 7	Sharpe: 1.48 (upper mid).	Sharpe: 0.00 (bottom quartile).	1Y return: 5.17% (bottom quartile).	1Y return: 22.89% (top quartile).	1Y return: 19.34% (top quartile).	Sharpe: 2.59 (upper mid).	Sharpe: 3.02 (top quartile).	Sharpe: 0.96 (lower mid).	1Y return: 6.79% (lower mid).	Sharpe: 1.85 (upper mid).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Alpha: -8.82 (bottom quartile).	Alpha: -1.77 (bottom quartile).	Alpha: 0.00 (upper mid).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (lower mid).	1M return: 0.50% (bottom quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 6.67% (lower mid).	Yield to maturity (debt): 6.99% (upper mid).	Sharpe: -0.38 (bottom quartile).	Sharpe: -0.01 (bottom quartile).	Sharpe: 2.86 (top quartile).	Yield to maturity (debt): 7.02% (top quartile).	Yield to maturity (debt): 6.33% (lower mid).	Yield to maturity (debt): 7.02% (upper mid).	Alpha: 0.00 (lower mid).	Yield to maturity (debt): 6.78% (upper mid).
Point 10	Modified duration: 1.28 yrs (lower mid).	Modified duration: 3.35 yrs (bottom quartile).	Information ratio: -0.52 (bottom quartile).	Information ratio: 0.13 (top quartile).	Information ratio: 0.00 (upper mid).	Modified duration: 0.92 yrs (lower mid).	Modified duration: 0.35 yrs (upper mid).	Modified duration: 2.51 yrs (bottom quartile).	Sharpe: 0.02 (lower mid).	Modified duration: 0.47 yrs (upper mid).

UTI Banking & PSU Debt Fund

Bottom quartile AUM (₹1,015 Cr).
Established history (12+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 7.47% (upper mid).
1M return: 0.68% (upper mid).
Sharpe: 1.48 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.67% (lower mid).
Modified duration: 1.28 yrs (lower mid).

UTI Dynamic Bond Fund

Bottom quartile AUM (₹430 Cr).
Established history (15+ yrs).
Rating: 5★ (top quartile).
Risk profile: Moderate.
1Y return: 5.72% (bottom quartile).
1M return: 0.63% (upper mid).
Sharpe: 0.00 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.99% (upper mid).
Modified duration: 3.35 yrs (bottom quartile).

Sundaram Rural and Consumption Fund

Lower mid AUM (₹1,584 Cr).
Established history (19+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately High.
5Y return: 13.43% (upper mid).
3Y return: 15.51% (upper mid).
1Y return: 5.17% (bottom quartile).
Alpha: -8.82 (bottom quartile).
Sharpe: -0.38 (bottom quartile).
Information ratio: -0.52 (bottom quartile).

Sundaram Mid Cap Fund

Top quartile AUM (₹13,293 Cr).
Oldest track record among peers (23 yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately High.
5Y return: 20.06% (top quartile).
3Y return: 25.51% (top quartile).
1Y return: 22.89% (top quartile).
Alpha: -1.77 (bottom quartile).
Sharpe: -0.01 (bottom quartile).
Information ratio: 0.13 (top 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 (₹2,667 Cr).
Established history (18+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderately Low.
1Y return: 7.33% (upper mid).
1M return: 0.68% (upper mid).
Sharpe: 2.59 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.02% (top quartile).
Modified duration: 0.92 yrs (lower mid).

UTI Money Market Fund

Highest AUM (₹19,301 Cr).
Established history (16+ yrs).
Rating: 4★ (lower mid).
Risk profile: Low.
1Y return: 7.23% (upper mid).
1M return: 0.60% (lower mid).
Sharpe: 3.02 (top quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.33% (lower mid).
Modified duration: 0.35 yrs (upper mid).

UTI Short Term Income Fund

Upper mid AUM (₹3,181 Cr).
Established history (18+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderate.
1Y return: 7.00% (lower mid).
1M return: 0.76% (top quartile).
Sharpe: 0.96 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.02% (upper mid).
Modified duration: 2.51 yrs (bottom quartile).

UTI Regular Savings Fund

Lower mid AUM (₹1,703 Cr).
Established history (22+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 8.79% (upper mid).
3Y return: 9.54% (upper mid).
1Y return: 6.79% (lower mid).
1M return: 0.50% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: 0.02 (lower mid).

UTI Ultra Short Term Fund

Upper mid AUM (₹3,655 Cr).
Established history (22+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 6.43% (bottom quartile).
1M return: 0.58% (lower mid).
Sharpe: 1.85 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.78% (upper mid).
Modified duration: 0.47 yrs (upper mid).

1. UTI Banking & PSU Debt Fund

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

Research Highlights for UTI Banking & PSU Debt Fund

Bottom quartile AUM (₹1,015 Cr).
Established history (12+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 7.47% (upper mid).
1M return: 0.68% (upper mid).
Sharpe: 1.48 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.67% (lower mid).
Modified duration: 1.28 yrs (lower mid).
Average maturity: 1.44 yrs (lower mid).
Exit load: NIL.
Higher exposure to Corporate (bond sector) vs peer median.
Debt-heavy allocation (~86%).
High-quality debt (AAA/AA ~100%).
Largest holding 7.38% Gs 2027 (~7.9%).

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

UTI Banking & PSU Debt Fund Growth
Launch Date	3 Feb 14
NAV (18 Feb 26)	₹22.7506 ↓ 0.00 (0.00 %)
Net Assets (Cr)	₹1,015 on 31 Dec 25
Category	Debt - Banking & PSU Debt
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆☆
Risk	Moderate
Expense Ratio	0.54
Sharpe Ratio	1.48
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.67%
Effective Maturity	1 Year 5 Months 8 Days
Modified Duration	1 Year 3 Months 11 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹10,313
31 Jan 23	₹11,397
31 Jan 24	₹12,188
31 Jan 25	₹13,109
31 Jan 26	₹14,065

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 18 Feb 26

Duration	Returns
1 Month	0.7%
3 Month	1.1%
6 Month	2.7%
1 Year	7.5%
3 Year	7.4%
5 Year	7.2%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.8%
2023	7.6%
2022	6.7%
2021	10.3%
2020	2.8%
2019	8.9%
2018	-1%
2017	6.8%
2016	6.4%
2015	11.7%

Fund Manager information for UTI Banking & PSU Debt Fund

Name	Since	Tenure
Anurag Mittal	1 Dec 21	4.17 Yr.

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

Asset Allocation

Asset Class	Value
Cash	13.54%
Debt	86.2%
Other	0.26%

Debt Sector Allocation

Sector	Value
Corporate	61.23%
Government	30.06%
Cash Equivalent	8.44%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.38% Gs 2027 Sovereign Bonds \| -	8%	₹87 Cr	850,000,000
Kotak Mahindra Bank Ltd. Debentures \| -	6%	₹71 Cr	750,000,000
Union Bank of India Domestic Bonds \| -	6%	₹70 Cr	750,000,000 ↑ 750,000,000
National Housing Bank Debentures \| -	5%	₹60 Cr	6,000 ↑ 2,500
Axis Bank Limited Debentures \| -	5%	₹55 Cr	550
Export Import Bank Of India Debentures \| -	5%	₹50 Cr	5,000
Small Industries Development Bank Of India Debentures \| -	5%	₹50 Cr	5,000
Power Finance Corporation Limited Debentures \| -	4%	₹40 Cr	400
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹40 Cr	4,000
HDFC Bank Limited Debentures \| -	3%	₹35 Cr	350

2. UTI Dynamic Bond Fund

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

Research Highlights for UTI Dynamic Bond Fund

Bottom quartile AUM (₹430 Cr).
Established history (15+ yrs).
Rating: 5★ (top quartile).
Risk profile: Moderate.
1Y return: 5.72% (bottom quartile).
1M return: 0.63% (upper mid).
Sharpe: 0.00 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.99% (upper mid).
Modified duration: 3.35 yrs (bottom quartile).
Average maturity: 4.27 yrs (bottom quartile).
Exit load: NIL.
Higher exposure to Corporate (bond sector) vs peer median.
Debt-heavy allocation (~95%).
High-quality debt (AAA/AA ~100%).
Largest holding 6.48% Gs 2035 (~16.4%).

Below is the key information for UTI Dynamic Bond Fund

UTI Dynamic Bond Fund Growth
Launch Date	16 Jun 10
NAV (18 Feb 26)	₹31.6394 ↓ -0.02 (-0.07 %)
Net Assets (Cr)	₹430 on 31 Dec 25
Category	Debt - Dynamic Bond
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆☆
Risk	Moderate
Expense Ratio	1.54
Sharpe Ratio	0
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.99%
Effective Maturity	4 Years 3 Months 7 Days
Modified Duration	3 Years 4 Months 6 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹11,085
31 Jan 23	₹12,267
31 Jan 24	₹13,077
31 Jan 25	₹14,175
31 Jan 26	₹14,936

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 18 Feb 26

Duration	Returns
1 Month	0.6%
3 Month	0.7%
6 Month	2.2%
1 Year	5.7%
3 Year	6.9%
5 Year	8.6%
10 Year
15 Year
Since launch	7.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	6%
2023	8.6%
2022	6.2%
2021	10.1%
2020	10.8%
2019	5.9%
2018	-3.9%
2017	5.2%
2016	4.2%
2015	14.9%

Fund Manager information for UTI Dynamic Bond Fund

Name	Since	Tenure
Pankaj Pathak	8 Apr 25	0.82 Yr.

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

Asset Allocation

Asset Class	Value
Cash	4.33%
Debt	95.33%
Other	0.34%

Debt Sector Allocation

Sector	Value
Corporate	60.51%
Government	34.81%
Cash Equivalent	4.33%

Credit Quality

Rating	Value
AA	1.58%
AAA	98.42%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.48% Gs 2035 Sovereign Bonds \| -	16%	₹70 Cr	706,970,000 ↑ 700,000,000
LIC Housing Finance Ltd Debentures \| -	6%	₹26 Cr	250
Power Finance Corporation Limited Debentures \| -	6%	₹25 Cr	2,500
Bharti Telecom Limited Debentures \| -	6%	₹25 Cr	2,500
Jamnagar Utilities & Power Private Limited Debentures \| -	6%	₹25 Cr	2,500
National Bank For Agriculture And Rural Development Debentures \| -	6%	₹25 Cr	2,500
National Housing Bank Debentures \| -	6%	₹25 Cr	2,500
Small Industries Development Bank Of India Debentures \| -	6%	₹25 Cr	2,500
Torrent Pharmaceuticals Ltd Debentures \| -	6%	₹25 Cr	2,500 ↑ 2,500
7.24% Gs 2055 Sovereign Bonds \| -	6%	₹25 Cr	250,000,000 ↑ 250,000,000

3. Sundaram Rural and Consumption Fund

(Erstwhile Sundaram Rural India Fund)

The primary investment objective of the scheme is to generate consistent long-term returns by investing predominantly in equity & equity related instruments of companies that are focusing on Rural India.

Research Highlights for Sundaram Rural and Consumption Fund

Lower mid AUM (₹1,584 Cr).
Established history (19+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately High.
5Y return: 13.43% (upper mid).
3Y return: 15.51% (upper mid).
1Y return: 5.17% (bottom quartile).
Alpha: -8.82 (bottom quartile).
Sharpe: -0.38 (bottom quartile).
Information ratio: -0.52 (bottom quartile).
Higher exposure to Consumer Cyclical vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
Largest holding Bharti Airtel Ltd (~9.9%).

Below is the key information for Sundaram Rural and Consumption Fund

Sundaram Rural and Consumption Fund Growth
Launch Date	12 May 06
NAV (18 Feb 26)	₹93.9159 ↑ 0.33 (0.36 %)
Net Assets (Cr)	₹1,584 on 31 Dec 25
Category	Equity - Sectoral
AMC	Sundaram Asset Management Company Ltd
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	2.18
Sharpe Ratio	-0.38
Information Ratio	-0.52
Alpha Ratio	-8.82
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹12,196
31 Jan 23	₹12,972
31 Jan 24	₹17,187
31 Jan 25	₹20,115
31 Jan 26	₹19,387

Sundaram Rural and Consumption 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 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 18 Feb 26

Duration	Returns
1 Month	-0.4%
3 Month	-6.5%
6 Month	-4.8%
1 Year	5.2%
3 Year	15.5%
5 Year	13.4%
10 Year
15 Year
Since launch	12%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	-0.1%
2023	20.1%
2022	30.2%
2021	9.3%
2020	19.3%
2019	13.5%
2018	2.7%
2017	-7.8%
2016	38.7%
2015	21.1%

Fund Manager information for Sundaram Rural and Consumption Fund

Name	Since	Tenure
Ratish Varier	1 Jan 22	4.09 Yr.

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

Equity Sector Allocation

Sector	Value
Consumer Cyclical	46.7%
Consumer Defensive	28.31%
Communication Services	11.77%
Health Care	4.09%
Financial Services	3.21%
Real Estate	1.8%
Basic Materials	1.6%
Industrials	1.08%

Asset Allocation

Asset Class	Value
Cash	1.31%
Equity	98.68%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Oct 22 \| BHARTIARTL	10%	₹145 Cr	735,559 ↓ -75,000
Mahindra & Mahindra Ltd (Consumer Cyclical) Equity, Since 30 Apr 22 \| M&M	9%	₹138 Cr	402,064 ↓ -20,992
Hindustan Unilever Ltd (Consumer Defensive) Equity, Since 30 Apr 16 \| HINDUNILVR	7%	₹106 Cr	446,824
ITC Ltd (Consumer Defensive) Equity, Since 31 Jul 13 \| ITC	7%	₹103 Cr	3,185,016 ↑ 100,000
Titan Co Ltd (Consumer Cyclical) Equity, Since 29 Feb 20 \| TITAN	6%	₹85 Cr	212,692
Eternal Ltd (Consumer Cyclical) Equity, Since 31 May 24 \| 543320	5%	₹79 Cr	2,892,836
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 31 Jul 12 \| MARUTI	4%	₹62 Cr	42,610
Apollo Hospitals Enterprise Ltd (Healthcare) Equity, Since 31 Jul 22 \| APOLLOHOSP	4%	₹60 Cr	85,724 ↑ 2,156
Nestle India Ltd (Consumer Defensive) Equity, Since 30 Jun 16 \| NESTLEIND	4%	₹59 Cr	443,054
Britannia Industries Ltd (Consumer Defensive) Equity, Since 28 Feb 22 \| BRITANNIA	3%	₹48 Cr	81,921

4. Sundaram Mid Cap Fund

(Erstwhile Sundaram Select Midcap Fund)

To achieve capital appreciation by investing in diversified stocks that are generally termed as mid-caps.

Research Highlights for Sundaram Mid Cap Fund

Top quartile AUM (₹13,293 Cr).
Oldest track record among peers (23 yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately High.
5Y return: 20.06% (top quartile).
3Y return: 25.51% (top quartile).
1Y return: 22.89% (top quartile).
Alpha: -1.77 (bottom quartile).
Sharpe: -0.01 (bottom quartile).
Information ratio: 0.13 (top quartile).
Higher exposure to Financial Services vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
Largest holding Cummins India Ltd (~3.6%).

Below is the key information for Sundaram Mid Cap Fund

Sundaram Mid Cap Fund Growth
Launch Date	30 Jul 02
NAV (18 Feb 26)	₹1,445.54 ↑ 6.50 (0.45 %)
Net Assets (Cr)	₹13,293 on 31 Dec 25
Category	Equity - Mid Cap
AMC	Sundaram Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	1.75
Sharpe Ratio	-0.01
Information Ratio	0.13
Alpha Ratio	-1.77
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹13,529
31 Jan 23	₹13,961
31 Jan 24	₹20,735
31 Jan 25	₹24,515
31 Jan 26	₹26,871

Sundaram Mid Cap Fund SIP 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 18 Feb 26

Duration	Returns
1 Month	2.9%
3 Month	0.4%
6 Month	4.4%
1 Year	22.9%
3 Year	25.5%
5 Year	20.1%
10 Year
15 Year
Since launch	23.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	4.1%
2023	32%
2022	40.4%
2021	4.8%
2020	37.5%
2019	11.8%
2018	-0.3%
2017	-15.4%
2016	40.8%
2015	11.3%

Fund Manager information for Sundaram Mid Cap Fund

Name	Since	Tenure
S. Bharath	24 Feb 21	4.94 Yr.
Ratish Varier	24 Feb 21	4.94 Yr.

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

Equity Sector Allocation

Sector	Value
Financial Services	22.57%
Consumer Cyclical	15.22%
Industrials	15.04%
Health Care	9.97%
Basic Materials	9.96%
Technology	6.31%
Consumer Defensive	6.15%
Real Estate	3.7%
Utility	2.69%
Communication Services	2.55%
Energy	2.07%

Asset Allocation

Asset Class	Value
Cash	3.76%
Equity	96.23%
Other	0%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Cummins India Ltd (Industrials) Equity, Since 31 Dec 17 \| CUMMINSIND	4%	₹460 Cr	1,119,311 ↓ -37,710
Mahindra & Mahindra Financial Services Ltd (Financial Services) Equity, Since 31 Jan 24 \| M&MFIN	3%	₹432 Cr	11,511,504 ↓ -32,528
GE Vernova T&D India Ltd (Industrials) Equity, Since 30 Sep 24 \| GVT&D	3%	₹385 Cr	1,191,355 ↑ 32,779
Coromandel International Ltd (Basic Materials) Equity, Since 30 Nov 10 \| COROMANDEL	3%	₹366 Cr	1,601,739 ↓ -128,283
IDFC First Bank Ltd (Financial Services) Equity, Since 30 Jun 25 \| IDFCFIRSTB	2%	₹317 Cr	37,978,844
The Federal Bank Ltd (Financial Services) Equity, Since 31 Dec 18 \| FEDERALBNK	2%	₹305 Cr	10,582,426 ↓ -1,283,544
Jindal Steel Ltd (Basic Materials) Equity, Since 30 Nov 20 \| JINDALSTEL	2%	₹269 Cr	2,380,218
Hindustan Petroleum Corp Ltd (Energy) Equity, Since 31 Oct 21 \| HINDPETRO	2%	₹267 Cr	6,264,200 ↑ 119,818
BSE Ltd (Financial Services) Equity, Since 31 May 24 \| BSE	2%	₹264 Cr	945,165
Indian Bank (Financial Services) Equity, Since 31 Jul 23 \| INDIANB	2%	₹261 Cr	2,859,289 ↓ -150,834

5. 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
31 Jan 21	₹10,000
31 Jan 22	₹14,004

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 18 Feb 26

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

6. UTI Treasury Advantage Fund

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

Research Highlights for UTI Treasury Advantage Fund

Upper mid AUM (₹2,667 Cr).
Established history (18+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderately Low.
1Y return: 7.33% (upper mid).
1M return: 0.68% (upper mid).
Sharpe: 2.59 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.02% (top quartile).
Modified duration: 0.92 yrs (lower mid).
Average maturity: 1.17 yrs (lower mid).
Exit load: NIL.
Higher exposure to Corporate (bond sector) vs peer median.
Debt-heavy allocation (~73%).
High-quality debt (AAA/AA ~100%).
Largest holding 30/04/2026 Maturing 182 DTB (~4.2%).

Below is the key information for UTI Treasury Advantage Fund

UTI Treasury Advantage Fund Growth
Launch Date	23 Apr 07
NAV (18 Feb 26)	₹3,691.05 ↑ 0.11 (0.00 %)
Net Assets (Cr)	₹2,667 on 31 Dec 25
Category	Debt - Low Duration
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.45
Sharpe Ratio	2.59
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.02%
Effective Maturity	1 Year 2 Months 1 Day
Modified Duration	11 Months 1 Day

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹10,921
31 Jan 23	₹11,433
31 Jan 24	₹12,259
31 Jan 25	₹13,195
31 Jan 26	₹14,140

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 18 Feb 26

Duration	Returns
1 Month	0.7%
3 Month	1.3%
6 Month	3%
1 Year	7.3%
3 Year	7.4%
5 Year	7.2%
10 Year
15 Year
Since launch	7.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.5%
2023	7.7%
2022	7.1%
2021	4.5%
2020	9%
2019	7.3%
2018	-4.2%
2017	7.3%
2016	7%
2015	8.9%

Fund Manager information for UTI Treasury Advantage Fund

Name	Since	Tenure
Anurag Mittal	1 Dec 21	4.17 Yr.

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

Asset Allocation

Asset Class	Value
Cash	26.69%
Debt	72.98%
Other	0.32%

Debt Sector Allocation

Sector	Value
Corporate	62.6%
Cash Equivalent	23.54%
Government	13.54%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
30/04/2026 Maturing 182 DTB Sovereign Bonds \| -	4%	₹123 Cr	1,250,000,000 ↑ 1,250,000,000
Embassy Office Parks Reit Debentures \| -	4%	₹120 Cr	1,200
7.86% Karnataka Sdl 2027 Sovereign Bonds \| -	3%	₹102 Cr	1,000,000,000 ↑ 1,000,000,000
Rec Limited Debentures \| -	3%	₹101 Cr	10,000
Summit Digitel Infrastructure Limited Debentures \| -	3%	₹100 Cr	1,000
Jamnagar Utilities & Power Private Limited Debentures \| -	3%	₹99 Cr	1,000
08/05/2026 Maturing 182 DTB Sovereign Bonds \| -	3%	₹99 Cr	1,000,000,000 ↑ 1,000,000,000
Embassy Office Parks Reit Debentures \| -	3%	₹90 Cr	900
LIC Housing Finance Ltd Debentures \| -	3%	₹76 Cr	750
Nirma Limited Debentures \| -	3%	₹75 Cr	7,500

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.

Research Highlights for UTI Money Market Fund

Highest AUM (₹19,301 Cr).
Established history (16+ yrs).
Rating: 4★ (lower mid).
Risk profile: Low.
1Y return: 7.23% (upper mid).
1M return: 0.60% (lower mid).
Sharpe: 3.02 (top quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.33% (lower mid).
Modified duration: 0.35 yrs (upper mid).
Average maturity: 0.35 yrs (upper mid).
Exit load: NIL.
Top sector: Real Estate.
Top bond sector: Corporate.
Conservative stance with elevated cash (~69%).
High-quality debt (AAA/AA ~100%).
Largest holding Canara Bank (~3.4%).

Below is the key information for UTI Money Market Fund

UTI Money Market Fund Growth
Launch Date	13 Jul 09
NAV (18 Feb 26)	₹3,209 ↑ 0.04 (0.00 %)
Net Assets (Cr)	₹19,301 on 31 Dec 25
Category	Debt - Money Market
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.25
Sharpe Ratio	3.02
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.33%
Effective Maturity	4 Months 6 Days
Modified Duration	4 Months 6 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹10,388
31 Jan 23	₹10,922
31 Jan 24	₹11,744
31 Jan 25	₹12,648
31 Jan 26	₹13,554

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 18 Feb 26

Duration	Returns
1 Month	0.6%
3 Month	1.4%
6 Month	3%
1 Year	7.2%
3 Year	7.5%
5 Year	6.3%
10 Year
15 Year
Since launch	7.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.5%
2023	7.7%
2022	7.4%
2021	4.9%
2020	3.7%
2019	6%
2018	8%
2017	7.8%
2016	6.7%
2015	7.7%

Fund Manager information for UTI Money Market Fund

Name	Since	Tenure
Anurag Mittal	1 Dec 21	4.17 Yr.
Amit Sharma	7 Jul 17	8.58 Yr.

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

Asset Allocation

Asset Class	Value
Cash	68.52%
Debt	31.21%
Other	0.28%

Debt Sector Allocation

Sector	Value
Corporate	43.56%
Cash Equivalent	35.9%
Government	20.26%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Canara Bank Domestic Bonds \| -	3%	₹684 Cr	7,000,000,000
Indusind Bank Ltd. Debentures \| -	3%	₹538 Cr	5,500,000,000
19/03/2026 Maturing 364 DTB Sovereign Bonds \| -	2%	₹497 Cr	5,000,000,000
18/06/2026 Maturing 182 DTB Sovereign Bonds \| -	2%	₹490 Cr	5,000,000,000 ↑ 5,000,000,000
Union Bank of India Domestic Bonds \| -	2%	₹392 Cr	4,000,000,000
National Bank for Agriculture and Rural Development Domestic Bonds \| -	2%	₹373 Cr	4,000,000,000 ↑ 4,000,000,000
08/05/2026 Maturing 182 DTB Sovereign Bonds \| -	2%	₹345 Cr	3,500,000,000 ↑ 3,500,000,000
21/05/2026 Maturing 182 DTB Sovereign Bonds \| -	2%	₹344 Cr	3,500,000,000
Export-Import Bank of India Domestic Bonds \| -	1%	₹280 Cr	3,000,000,000 ↑ 3,000,000,000
Bank Of Maharashtra Domestic Bonds \| -	1%	₹211 Cr	2,250,000,000 ↓ -250,000,000

8. UTI Short Term Income Fund

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

Research Highlights for UTI Short Term Income Fund

Upper mid AUM (₹3,181 Cr).
Established history (18+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderate.
1Y return: 7.00% (lower mid).
1M return: 0.76% (top quartile).
Sharpe: 0.96 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.02% (upper mid).
Modified duration: 2.51 yrs (bottom quartile).
Average maturity: 3.30 yrs (bottom quartile).
Exit load: NIL.
Higher exposure to Corporate (bond sector) vs peer median.
Debt-heavy allocation (~91%).
High-quality debt (AAA/AA ~100%).
Largest holding LIC Housing Finance Ltd (~5.5%).

Below is the key information for UTI Short Term Income Fund

UTI Short Term Income Fund Growth
Launch Date	19 Sep 07
NAV (18 Feb 26)	₹32.8034 ↓ 0.00 (0.00 %)
Net Assets (Cr)	₹3,181 on 31 Dec 25
Category	Debt - Short term Bond
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	0.85
Sharpe Ratio	0.96
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.02%
Effective Maturity	3 Years 3 Months 18 Days
Modified Duration	2 Years 6 Months 4 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹10,883
31 Jan 23	₹11,316
31 Jan 24	₹12,122
31 Jan 25	₹13,072
31 Jan 26	₹13,949

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 18 Feb 26

Duration	Returns
1 Month	0.8%
3 Month	0.9%
6 Month	2.5%
1 Year	7%
3 Year	7.4%
5 Year	7%
10 Year
15 Year
Since launch	6.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.3%
2023	7.9%
2022	6.9%
2021	3.8%
2020	8.4%
2019	10.5%
2018	-3.9%
2017	6%
2016	6.1%
2015	10.1%

Fund Manager information for UTI Short Term Income Fund

Name	Since	Tenure
Abhishek Sonthalia	10 Nov 25	0.23 Yr.

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

Asset Allocation

Asset Class	Value
Cash	8.67%
Debt	91.05%
Other	0.28%

Debt Sector Allocation

Sector	Value
Corporate	68.5%
Government	22.55%
Cash Equivalent	8.67%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
LIC Housing Finance Ltd Debentures \| -	6%	₹176 Cr	1,750
Power Finance Corporation Limited Debentures \| -	6%	₹176 Cr	17,500
Export Import Bank Of India Debentures \| -	4%	₹124 Cr	12,500
National Housing Bank Debentures \| -	3%	₹101 Cr	10,000 ↓ -7,500
Small Industries Development Bank Of India Debentures \| -	3%	₹99 Cr	10,000
6.48% Gs 2035 Sovereign Bonds \| -	3%	₹98 Cr	1,000,000,000
TATA Communications Limited Debentures \| -	3%	₹98 Cr	10,000
Union Bank of India Domestic Bonds \| -	3%	₹98 Cr	1,000,000,000
6.79% Gs 2034 Sovereign Bonds \| -	3%	₹95 Cr	950,000,000
HDFC Bank Ltd. Debentures \| -	3%	₹94 Cr	1,000,000,000

9. UTI Regular Savings Fund

(Erstwhile UTI MIS Advantage Plan)

The investment objective of the Scheme is to generate regular income through investments in fixed income securities and capital appreciation / dividend income through investment of a portion of net assets of the scheme in equity and equity related instruments so as to endeavour to make periodic income distribution to Unit holders. Income may be generated through Coupon payments, amortization of discount on debt instruments, receipt of dividends or the purchase and sale of securities in the underlying portfolio. Under normal market conditions investment will be made in fixed income securities, money market instruments,cash and cash equivalents while at the same time maintaining a limited exposure to equity markets. The Scheme will endeavor to enhance overall returns through appropriate investments upto a maximum of 25% of Net Assets into equity and equity related instruments.

Research Highlights for UTI Regular Savings Fund

Lower mid AUM (₹1,703 Cr).
Established history (22+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 8.79% (upper mid).
3Y return: 9.54% (upper mid).
1Y return: 6.79% (lower mid).
1M return: 0.50% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: 0.02 (lower mid).
Information ratio: 0.00 (bottom quartile).
Top sector: Financial Services.
Higher exposure to Government (bond sector) vs peer median.
Debt-heavy allocation (~68%).
High-quality debt (AAA/AA ~100%).
Largest holding 6.48% Gs 2035 (~9.0%).

Below is the key information for UTI Regular Savings Fund

UTI Regular Savings Fund Growth
Launch Date	16 Dec 03
NAV (18 Feb 26)	₹70.5359 ↑ 0.05 (0.07 %)
Net Assets (Cr)	₹1,703 on 31 Dec 25
Category	Hybrid - Hybrid Debt
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	1.81
Sharpe Ratio	0.02
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹11,386
31 Jan 23	₹11,725
31 Jan 24	₹13,160
31 Jan 25	₹14,576
31 Jan 26	₹15,342

UTI Regular Savings Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹376,357.
Net Profit of ₹76,357 Invest Now

Returns for UTI Regular Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 18 Feb 26

Duration	Returns
1 Month	0.5%
3 Month	0.2%
6 Month	1.9%
1 Year	6.8%
3 Year	9.5%
5 Year	8.8%
10 Year
15 Year
Since launch	9.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	6.1%
2023	11.6%
2022	11.3%
2021	3.3%
2020	13.2%
2019	10.2%
2018	2.8%
2017	3.4%
2016	12.5%
2015	8.9%

Fund Manager information for UTI Regular Savings Fund

Name	Since	Tenure
Amit Premchandani	8 Jan 22	4.07 Yr.
Jaydeep Bhowal	17 Apr 23	2.8 Yr.

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

Asset Allocation

Asset Class	Value
Cash	7.5%
Equity	24.1%
Debt	68.11%
Other	0.29%

Equity Sector Allocation

Sector	Value
Financial Services	8.71%
Consumer Cyclical	3.16%
Technology	2.6%
Health Care	1.83%
Communication Services	1.77%
Industrials	1.65%
Energy	1.35%
Basic Materials	1.04%
Consumer Defensive	0.78%
Utility	0.61%
Real Estate	0.6%

Debt Sector Allocation

Sector	Value
Government	43.01%
Corporate	29.27%
Cash Equivalent	3.33%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.48% Gs 2035 Sovereign Bonds \| -	9%	₹151 Cr	1,531,580,000 ↑ 611,580,000
6.79% Gs 2034 Sovereign Bonds \| -	5%	₹92 Cr	920,000,000
Indian Oil Corporation Limited Debentures \| -	4%	₹75 Cr	7,500
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹75 Cr	7,500
HDFC Bank Limited Debentures \| -	3%	₹51 Cr	5,000
HDFC Bank Limited Debentures \| -	3%	₹51 Cr	5,000
LIC Housing Finance Ltd Debentures \| -	3%	₹50 Cr	5,000
Small Industries Development Bank Of India Debentures \| -	3%	₹50 Cr	5,000
SIDDHIVINAYAK SECURITISATION TRUST Unlisted bonds \| -	3%	₹50 Cr	50
7.34% Gs 2064 Sovereign Bonds \| -	3%	₹49 Cr	500,000,000

10. UTI Ultra Short Term Fund

(Erstwhile UTI - Floating Rate Fund - Short Term Plan)

To generate regular income through investment in a portfolio comprising substantially of floating rate debt / money market instruments, fixed rate debt / money market instruments swapped for floating rate returns. The Scheme may also invest a portion of its net assets in fixed rate debt securities and money market instruments .However there can be no assurance that the investment objective of the Scheme will be achieved. The Scheme does not guarantee / indicate any returns.

Research Highlights for UTI Ultra Short Term Fund

Upper mid AUM (₹3,655 Cr).
Established history (22+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 6.43% (bottom quartile).
1M return: 0.58% (lower mid).
Sharpe: 1.85 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.78% (upper mid).
Modified duration: 0.47 yrs (upper mid).
Average maturity: 0.57 yrs (upper mid).
Exit load: NIL.
Higher exposure to Financial Services vs peer median.
Top bond sector: Corporate.
Conservative stance with elevated cash (~58%).
High-quality debt (AAA/AA ~100%).
Largest holding 18/06/2026 Maturing 182 DTB (~7.6%).

Below is the key information for UTI Ultra Short Term Fund

UTI Ultra Short Term Fund Growth
Launch Date	29 Aug 03
NAV (18 Feb 26)	₹4,391.78 ↑ 0.08 (0.00 %)
Net Assets (Cr)	₹3,655 on 31 Dec 25
Category	Debt - Ultrashort Bond
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.93
Sharpe Ratio	1.85
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.78%
Effective Maturity	6 Months 24 Days
Modified Duration	5 Months 21 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹10,616
31 Jan 23	₹11,089
31 Jan 24	₹11,847
31 Jan 25	₹12,696
31 Jan 26	₹13,505

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 18 Feb 26

Duration	Returns
1 Month	0.6%
3 Month	1.3%
6 Month	2.7%
1 Year	6.4%
3 Year	6.8%
5 Year	6.2%
10 Year
15 Year
Since launch	6.8%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for UTI Ultra Short Term Fund

Name	Since	Tenure
Abhishek Sonthalia	10 Nov 25	0.23 Yr.

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

Asset Allocation

Asset Class	Value
Cash	58.29%
Debt	41.38%
Other	0.33%

Debt Sector Allocation

Sector	Value
Corporate	53.14%
Cash Equivalent	33.69%
Government	12.84%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
18/06/2026 Maturing 182 DTB Sovereign Bonds \| -	8%	₹294 Cr	3,000,000,000 ↑ 3,000,000,000
09/04/2026 Maturing 182 DTB Sovereign Bonds \| -	4%	₹149 Cr	1,500,000,000
Shriram Finance Limited Debentures \| -	3%	₹100 Cr	10,000
DBS Bank India Ltd. Debentures \| -	3%	₹100 Cr	1,000,000,000
Piramal Finance Limited Debentures \| -	2%	₹86 Cr	8,500
Piramal Finance Limited Debentures \| -	2%	₹75 Cr	7,500
TATA Communications Limited Debentures \| -	2%	₹75 Cr	7,500 ↓ -2,500
Canara Bank Domestic Bonds \| -	2%	₹75 Cr	750,000,000
Indian Bank Domestic Bonds \| -	2%	₹74 Cr	750,000,000
Aditya Birla Renewables Limited Debentures \| -	2%	₹65 Cr	6,500

ಆನ್‌ಲೈನ್‌ನಲ್ಲಿ ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವುದು ಹೇಗೆ?

Fincash.com ನಲ್ಲಿ ಜೀವಮಾನಕ್ಕಾಗಿ ಉಚಿತ ಹೂಡಿಕೆ ಖಾತೆಯನ್ನು ತೆರೆಯಿರಿ.

ನಿಮ್ಮ ನೋಂದಣಿ ಮತ್ತು KYC ಪ್ರಕ್ರಿಯೆಯನ್ನು ಪೂರ್ಣಗೊಳಿಸಿ

ದಾಖಲೆಗಳನ್ನು ಅಪ್‌ಲೋಡ್ ಮಾಡಿ (PAN, ಆಧಾರ್, ಇತ್ಯಾದಿ).ಮತ್ತು, ನೀವು ಹೂಡಿಕೆ ಮಾಡಲು ಸಿದ್ಧರಿದ್ದೀರಿ!

ಪ್ರಾರಂಭಿಸಿ

Disclaimer:
ಇಲ್ಲಿ ಒದಗಿಸಲಾದ ಮಾಹಿತಿಯು ನಿಖರವಾಗಿದೆ ಎಂದು ಖಚಿತಪಡಿಸಿಕೊಳ್ಳಲು ಎಲ್ಲಾ ಪ್ರಯತ್ನಗಳನ್ನು ಮಾಡಲಾಗಿದೆ. ಆದಾಗ್ಯೂ, ಡೇಟಾದ ನಿಖರತೆಯ ಬಗ್ಗೆ ಯಾವುದೇ ಗ್ಯಾರಂಟಿಗಳನ್ನು ನೀಡಲಾಗುವುದಿಲ್ಲ. ಯಾವುದೇ ಹೂಡಿಕೆ ಮಾಡುವ ಮೊದಲು ದಯವಿಟ್ಟು ಸ್ಕೀಮ್ ಮಾಹಿತಿ ದಾಖಲೆಯೊಂದಿಗೆ ಪರಿಶೀಲಿಸಿ.