UTI മ്യൂച്വൽ ഫണ്ട് 2022-ന്റെ മികച്ച 8 മികച്ച ഡെറ്റ് ഫണ്ടുകൾ

യുടിഐ മ്യൂച്വൽ ഫണ്ട്ഒപ്റ്റിമൽ റിട്ടേൺ നേടാനുള്ള ഏറ്റവും നല്ല മാർഗമാണ് ഡെറ്റ് ഫണ്ടുകൾ. ഫണ്ട് അക്രുവൽ സൃഷ്ടിക്കാൻ ലക്ഷ്യമിടുന്നുവരുമാനം വഴിനിക്ഷേപിക്കുന്നു പ്രധാനമായും ഇൻപണ വിപണി ഉപകരണങ്ങൾ.

പോലുള്ള നിരവധി സ്കീമുകളിൽ നിന്ന് നിങ്ങൾക്ക് ഫണ്ടുകൾ തിരഞ്ഞെടുക്കാംലിക്വിഡ് ഫണ്ടുകൾ, അൾട്രാഹ്രസ്വകാല ഫണ്ടുകൾ, ഹ്രസ്വകാല ഫണ്ടുകൾ,ഗിൽറ്റ് ഫണ്ടുകൾ, തുടങ്ങിയവ.ഡെറ്റ് ഫണ്ട് ലിക്വിഡ്, അൾട്രാ ഷോർട്ട്, ഷോർട്ട് ടേം ഫണ്ടുകൾ പോലെയുള്ള സ്കീമുകൾ നിങ്ങളുടെ ഹ്രസ്വവും മധ്യകാലവും ആസൂത്രണം ചെയ്യുന്നതിനുള്ള മികച്ച മാർഗമാണ്സാമ്പത്തിക ലക്ഷ്യങ്ങൾ. നിക്ഷേപം നടത്താൻ പദ്ധതിയിടുന്ന നിക്ഷേപകർക്ക് താഴെ ലിസ്‌റ്റ് ചെയ്‌തിട്ടുള്ള മികച്ച 8-ൽ നിന്ന് ഫണ്ടുകൾ തിരഞ്ഞെടുക്കാംമികച്ച ഡെറ്റ് ഫണ്ടുകൾ യുടിഐ വഴിമ്യൂച്വൽ ഫണ്ട്. AUM പോലുള്ള ചില പാരാമീറ്ററുകൾ ഏറ്റെടുത്ത് ഈ ഫണ്ടുകൾ ഷോർട്ട്‌ലിസ്റ്റ് ചെയ്തിട്ടുണ്ട്,അല്ല, മുൻകാല പ്രകടനങ്ങൾ, ശരാശരി പക്വത, ദൈർഘ്യം മുതലായവ.

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യുടിഐ മ്യൂച്വൽ ഫണ്ടിൽ നിക്ഷേപിക്കുന്നത് എന്തുകൊണ്ട്?

എ. സുരക്ഷ

യുടിഐ മ്യൂച്വൽ ഫണ്ടിന്റെ സുരക്ഷയ്ക്കായി എപ്പോഴും പരിശ്രമിക്കുന്നുനിക്ഷേപകൻന്റെ പണവും അതിനായിമൂലധനം വിവേകത്തോടെ നിക്ഷേപിക്കുന്നതിലൂടെയുള്ള അഭിനന്ദനം.

ബി. സ്ഥിരമായ റിട്ടേണുകൾ

യുടിഐ മ്യൂച്വൽ ഫണ്ട് അവരുടെ നിക്ഷേപകർക്ക് അവരുടെ ലക്ഷ്യങ്ങൾ കൈവരിക്കുന്നതിന് സ്ഥിരമായ വരുമാനം നൽകാൻ എപ്പോഴും കഠിനമായി പരിശ്രമിക്കുന്നു.

സി. ഈസി ഓഫ് ആക്സസ്

നിക്ഷേപകർക്ക് അവരുടെ മ്യൂച്വൽ ഫണ്ട് അക്കൗണ്ട് എപ്പോൾ വേണമെങ്കിലും ഓൺലൈനിൽ എവിടെയും നിരീക്ഷിക്കാനും ആക്സസ് ചെയ്യാനും കഴിയും. കൂടാതെ, ഫണ്ട് ഹൗസുമായുള്ള ഇടപാടും ആശയവിനിമയ പ്രക്രിയയും തടസ്സരഹിതവും ഉപയോക്തൃ സൗഹൃദവുമാണ്.

മികച്ച യുടിഐ ഡെറ്റ് മ്യൂച്വൽ ഫണ്ടുകൾ

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
UTI Banking & PSU Debt Fund Growth	₹22.4027 ↑ 0.00	₹813	1.4	3.6	8	7.7	7.6	6.61%	1Y 8M 12D	1Y 11M 8D
UTI Dynamic Bond Fund Growth	₹31.3248 ↑ 0.00	₹463	0.4	1.7	6.4	7.2	8.6	7.15%	7Y 1M 28D	15Y 3M 7D
UTI Short Term Income Fund Growth	₹32.3705 ↑ 0.01	₹3,251	1.3	3.3	7.8	7.6	7.9	6.82%	2Y 6M 11D	3Y 2M 19D
UTI Treasury Advantage Fund Growth	₹3,623.12 ↑ 0.81	₹3,125	1.5	3.5	7.8	7.5	7.7	6.69%	11M 12D	1Y 1M 10D
UTI Money Market Fund Growth	₹3,147.53 ↑ 0.39	₹19,496	1.4	3.4	7.7	7.6	7.7	6.22%	5M 27D	5M 28D
UTI Ultra Short Term Fund Growth	₹4,314.38 ↑ 0.58	₹4,181	1.4	3.1	6.9	6.9	7.2	6.4%	4M 28D	5M 19D
UTI Bond Fund Growth	₹74.1891 ↓ -0.02	₹324	0.6	1.5	6.5	7.3	8.5	7.2%	5Y 5M 8D	9Y 3M 25D
UTI Gilt Fund Growth	₹63.1322 ↓ -0.02	₹565	-0.2	0.3	5.3	7.2	8.9	7.27%	9Y 10M 13D	26Y 4D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 17 Oct 25

Research Highlights & Commentary of 8 Funds showcased

Commentary	UTI Banking & PSU Debt Fund	UTI Dynamic Bond Fund	UTI Short Term Income Fund	UTI Treasury Advantage Fund	UTI Money Market Fund	UTI Ultra Short Term Fund	UTI Bond Fund	UTI Gilt Fund
Point 1	Lower mid AUM (₹813 Cr).	Bottom quartile AUM (₹463 Cr).	Upper mid AUM (₹3,251 Cr).	Upper mid AUM (₹3,125 Cr).	Highest AUM (₹19,496 Cr).	Top quartile AUM (₹4,181 Cr).	Bottom quartile AUM (₹324 Cr).	Lower mid AUM (₹565 Cr).
Point 2	Established history (11+ yrs).	Established history (15+ yrs).	Established history (18+ yrs).	Established history (18+ yrs).	Established history (16+ yrs).	Established history (22+ yrs).	Oldest track record among peers (27 yrs).	Established history (23+ yrs).
Point 3	Top rated.	Rating: 5★ (top quartile).	Rating: 4★ (upper mid).	Rating: 4★ (upper mid).	Rating: 4★ (lower mid).	Rating: 4★ (lower mid).	Rating: 4★ (bottom quartile).	Rating: 4★ (bottom quartile).
Point 4	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderately Low.	Risk profile: Low.	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Moderate.
Point 5	1Y return: 7.99% (top quartile).	1Y return: 6.41% (bottom quartile).	1Y return: 7.76% (top quartile).	1Y return: 7.76% (upper mid).	1Y return: 7.72% (upper mid).	1Y return: 6.89% (lower mid).	1Y return: 6.51% (lower mid).	1Y return: 5.33% (bottom quartile).
Point 6	1M return: 0.69% (upper mid).	1M return: 0.75% (top quartile).	1M return: 0.72% (upper mid).	1M return: 0.66% (lower mid).	1M return: 0.53% (bottom quartile).	1M return: 0.50% (bottom quartile).	1M return: 0.82% (top quartile).	1M return: 0.62% (lower mid).
Point 7	Sharpe: 1.46 (upper mid).	Sharpe: -0.08 (lower mid).	Sharpe: 1.20 (lower mid).	Sharpe: 2.55 (top quartile).	Sharpe: 3.22 (top quartile).	Sharpe: 1.96 (upper mid).	Sharpe: -0.10 (bottom quartile).	Sharpe: -0.44 (bottom quartile).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (top quartile).	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).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 6.61% (lower mid).	Yield to maturity (debt): 7.15% (upper mid).	Yield to maturity (debt): 6.82% (upper mid).	Yield to maturity (debt): 6.69% (lower mid).	Yield to maturity (debt): 6.22% (bottom quartile).	Yield to maturity (debt): 6.40% (bottom quartile).	Yield to maturity (debt): 7.20% (top quartile).	Yield to maturity (debt): 7.27% (top quartile).
Point 10	Modified duration: 1.70 yrs (upper mid).	Modified duration: 7.16 yrs (bottom quartile).	Modified duration: 2.53 yrs (lower mid).	Modified duration: 0.95 yrs (upper mid).	Modified duration: 0.49 yrs (top quartile).	Modified duration: 0.41 yrs (top quartile).	Modified duration: 5.44 yrs (lower mid).	Modified duration: 9.87 yrs (bottom quartile).

UTI Banking & PSU Debt Fund

Lower mid AUM (₹813 Cr).
Established history (11+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 7.99% (top quartile).
1M return: 0.69% (upper mid).
Sharpe: 1.46 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.61% (lower mid).
Modified duration: 1.70 yrs (upper mid).

UTI Dynamic Bond Fund

Bottom quartile AUM (₹463 Cr).
Established history (15+ yrs).
Rating: 5★ (top quartile).
Risk profile: Moderate.
1Y return: 6.41% (bottom quartile).
1M return: 0.75% (top quartile).
Sharpe: -0.08 (lower mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.15% (upper mid).
Modified duration: 7.16 yrs (bottom quartile).

UTI Short Term Income Fund

Upper mid AUM (₹3,251 Cr).
Established history (18+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 7.76% (top quartile).
1M return: 0.72% (upper mid).
Sharpe: 1.20 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.82% (upper mid).
Modified duration: 2.53 yrs (lower mid).

UTI Treasury Advantage Fund

Upper mid AUM (₹3,125 Cr).
Established history (18+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately Low.
1Y return: 7.76% (upper mid).
1M return: 0.66% (lower mid).
Sharpe: 2.55 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.69% (lower mid).
Modified duration: 0.95 yrs (upper mid).

UTI Money Market Fund

Highest AUM (₹19,496 Cr).
Established history (16+ yrs).
Rating: 4★ (lower mid).
Risk profile: Low.
1Y return: 7.72% (upper mid).
1M return: 0.53% (bottom quartile).
Sharpe: 3.22 (top quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.22% (bottom quartile).
Modified duration: 0.49 yrs (top quartile).

UTI Ultra Short Term Fund

Top quartile AUM (₹4,181 Cr).
Established history (22+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderately Low.
1Y return: 6.89% (lower mid).
1M return: 0.50% (bottom quartile).
Sharpe: 1.96 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.40% (bottom quartile).
Modified duration: 0.41 yrs (top quartile).

UTI Bond Fund

Bottom quartile AUM (₹324 Cr).
Oldest track record among peers (27 yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderate.
1Y return: 6.51% (lower mid).
1M return: 0.82% (top quartile).
Sharpe: -0.10 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.20% (top quartile).
Modified duration: 5.44 yrs (lower mid).

UTI Gilt Fund

Lower mid AUM (₹565 Cr).
Established history (23+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderate.
1Y return: 5.33% (bottom quartile).
1M return: 0.62% (lower mid).
Sharpe: -0.44 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.27% (top quartile).
Modified duration: 9.87 yrs (bottom quartile).

1. UTI Banking & PSU Debt Fund

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

Research Highlights for UTI Banking & PSU Debt Fund

Lower mid AUM (₹813 Cr).
Established history (11+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 7.99% (top quartile).
1M return: 0.69% (upper mid).
Sharpe: 1.46 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.61% (lower mid).
Modified duration: 1.70 yrs (upper mid).
Average maturity: 1.94 yrs (upper 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 (17 Oct 25)	₹22.4027 ↑ 0.00 (0.02 %)
Net Assets (Cr)	₹813 on 31 Aug 25
Category	Debt - Banking & PSU Debt
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆☆
Risk	Moderate
Expense Ratio	0.54
Sharpe Ratio	1.46
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.61%
Effective Maturity	1 Year 11 Months 8 Days
Modified Duration	1 Year 8 Months 12 Days
Sub Cat.	Banking & PSU Debt

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹10,397
30 Sep 22	₹11,347
30 Sep 23	₹12,110
30 Sep 24	₹13,056
30 Sep 25	₹14,094

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 17 Oct 25

Duration	Returns
1 Month	0.7%
3 Month	1.4%
6 Month	3.6%
1 Year	8%
3 Year	7.7%
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
Anurag Mittal	1 Dec 21	3.75 Yr.

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

Asset Allocation

Asset Class	Value
Cash	5.26%
Debt	94.41%
Other	0.33%

Debt Sector Allocation

Sector	Value
Corporate	54.74%
Government	39.67%
Cash Equivalent	5.26%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.38% Govt Stock 2027 Sovereign Bonds \| -	11%	₹92 Cr	900,000,000
Axis Bank Limited Debentures \| -	7%	₹55 Cr	550
Export Import Bank Of India Debentures \| -	6%	₹51 Cr	5,000
Small Industries Development Bank Of India Debentures \| -	6%	₹51 Cr	5,000
Power Finance Corporation Limited Debentures \| -	5%	₹41 Cr	400
Rural Electrification Corporation Limited Debentures \| -	4%	₹36 Cr	3,500
National Housing Bank Debentures \| -	4%	₹36 Cr	3,500
HDFC Bank Limited Debentures \| -	4%	₹35 Cr	350
Indian Railway Finance Corporation Limited Debentures \| -	4%	₹31 Cr	300
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹30 Cr	3,000

2. UTI Dynamic Bond Fund

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

Research Highlights for UTI Dynamic Bond Fund

Bottom quartile AUM (₹463 Cr).
Established history (15+ yrs).
Rating: 5★ (top quartile).
Risk profile: Moderate.
1Y return: 6.41% (bottom quartile).
1M return: 0.75% (top quartile).
Sharpe: -0.08 (lower mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.15% (upper mid).
Modified duration: 7.16 yrs (bottom quartile).
Average maturity: 15.27 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 (17 Oct 25)	₹31.3248 ↑ 0.00 (0.00 %)
Net Assets (Cr)	₹463 on 31 Aug 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	7.15%
Effective Maturity	15 Years 3 Months 7 Days
Modified Duration	7 Years 1 Month 28 Days
Sub Cat.	Dynamic Bond

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹11,218
30 Sep 22	₹12,253
30 Sep 23	₹12,998
30 Sep 24	₹14,160
30 Sep 25	₹14,980

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 17 Oct 25

Duration	Returns
1 Month	0.7%
3 Month	0.4%
6 Month	1.7%
1 Year	6.4%
3 Year	7.2%
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
Pankaj Pathak	8 Apr 25	0.4 Yr.

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

Asset Allocation

Asset Class	Value
Cash	3.49%
Debt	96.2%
Other	0.31%

Debt Sector Allocation

Sector	Value
Government	65.7%
Corporate	30.5%
Cash Equivalent	3.49%

Credit Quality

Rating	Value
AA	3.4%
AAA	96.6%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.34% Govt Stock 2064 Sovereign Bonds \| -	13%	₹60 Cr	600,000,000 ↓ -250,000,000
6.33% Govt Stock 2035 Sovereign Bonds \| -	13%	₹59 Cr	600,000,000 ↑ 500,000,000
6.68% Govt Stock 2040 Sovereign Bonds \| -	7%	₹35 Cr	350,000,000
7.02% Govt Stock 2031 Sovereign Bonds \| -	6%	₹26 Cr	250,000,000
Power Finance Corporation Limited Debentures \| -	6%	₹26 Cr	2,500
Small Industries Development Bank Of India Debentures \| -	5%	₹25 Cr	2,500
LIC Housing Finance Ltd Debentures \| -	5%	₹25 Cr	2,500
Bajaj Finance Limited Debentures \| -	5%	₹25 Cr	2,500
Indian Railway Finance Corporation Limited Debentures \| -	5%	₹25 Cr	2,500
Ntpc Limited Debentures \| -	5%	₹25 Cr	2,500

3. 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 (₹3,251 Cr).
Established history (18+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 7.76% (top quartile).
1M return: 0.72% (upper mid).
Sharpe: 1.20 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.82% (upper mid).
Modified duration: 2.53 yrs (lower mid).
Average maturity: 3.22 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 (17 Oct 25)	₹32.3705 ↑ 0.01 (0.03 %)
Net Assets (Cr)	₹3,251 on 31 Aug 25
Category	Debt - Short term Bond
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	0.85
Sharpe Ratio	1.2
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.82%
Effective Maturity	3 Years 2 Months 19 Days
Modified Duration	2 Years 6 Months 11 Days
Sub Cat.	Short term Bond

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹10,981
30 Sep 22	₹11,319
30 Sep 23	₹12,081
30 Sep 24	₹13,055
30 Sep 25	₹14,051

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 17 Oct 25

Duration	Returns
1 Month	0.7%
3 Month	1.3%
6 Month	3.3%
1 Year	7.8%
3 Year	7.6%
5 Year	7%
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
Anurag Mittal	8 Apr 25	0.4 Yr.
Sudhir Agarwal	25 Oct 12	12.86 Yr.

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

Asset Allocation

Asset Class	Value
Cash	15%
Debt	84.73%
Other	0.27%

Debt Sector Allocation

Sector	Value
Corporate	63.57%
Government	30.05%
Cash Equivalent	6.11%

Credit Quality

Rating	Value
AA	7.75%
AAA	92.25%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.79% Govt Stock 2034 Sovereign Bonds \| -	10%	₹309 Cr	3,050,000,000
National Housing Bank Debentures \| -	5%	₹178 Cr	17,500
Small Industries Development Bank Of India Debentures \| -	5%	₹178 Cr	17,500
LIC Housing Finance Ltd Debentures \| -	5%	₹177 Cr	1,750
Power Finance Corporation Limited Debentures \| -	5%	₹177 Cr	17,500
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹142 Cr	14,000
Export Import Bank Of India Debentures \| -	4%	₹127 Cr	12,500
Bajaj Finance Limited Debentures \| -	2%	₹76 Cr	7,500
Kotak Mahindra Prime Limited Debentures \| -	2%	₹76 Cr	750
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹76 Cr	7,500

4. 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 (₹3,125 Cr).
Established history (18+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately Low.
1Y return: 7.76% (upper mid).
1M return: 0.66% (lower mid).
Sharpe: 2.55 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.69% (lower mid).
Modified duration: 0.95 yrs (upper mid).
Average maturity: 1.11 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 (17 Oct 25)	₹3,623.12 ↑ 0.81 (0.02 %)
Net Assets (Cr)	₹3,125 on 31 Aug 25
Category	Debt - Low Duration
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.45
Sharpe Ratio	2.55
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.69%
Effective Maturity	1 Year 1 Month 10 Days
Modified Duration	11 Months 12 Days
Sub Cat.	Low Duration

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹10,922
30 Sep 22	₹11,355
30 Sep 23	₹12,151
30 Sep 24	₹13,073
30 Sep 25	₹14,091

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 17 Oct 25

Duration	Returns
1 Month	0.7%
3 Month	1.5%
6 Month	3.5%
1 Year	7.8%
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
Anurag Mittal	1 Dec 21	3.75 Yr.

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

Asset Allocation

Asset Class	Value
Cash	21.73%
Debt	77.97%
Other	0.3%

Debt Sector Allocation

Sector	Value
Corporate	69.72%
Government	17.58%
Cash Equivalent	12.4%

Credit Quality

Rating	Value
AA	16.44%
AAA	83.56%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Power Finance Corporation Limited Debentures \| -	5%	₹149 Cr	1,500
Bajaj Housing Finance Limited Debentures \| -	4%	₹126 Cr	1,250
Treasury Bills Sovereign Bonds \| -	4%	₹123 Cr	1,250,000,000
Embassy Office Parks Reit Debentures \| -	4%	₹120 Cr	1,200
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹101 Cr	10,000
Rec Limited Debentures \| -	3%	₹101 Cr	10,000
Sikka Ports & Terminals Limited Debentures \| -	3%	₹100 Cr	1,000
182 Days Tbill Red 29-01-2026 Sovereign Bonds \| -	3%	₹93 Cr	950,000,000
Nirma Limited Debentures \| -	2%	₹75 Cr	7,500
Kotak Mahindra Bank Ltd. Debentures \| -	2%	₹73 Cr	750,000,000

5. UTI Money Market Fund

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

Research Highlights for UTI Money Market Fund

Highest AUM (₹19,496 Cr).
Established history (16+ yrs).
Rating: 4★ (lower mid).
Risk profile: Low.
1Y return: 7.72% (upper mid).
1M return: 0.53% (bottom quartile).
Sharpe: 3.22 (top quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.22% (bottom quartile).
Modified duration: 0.49 yrs (top quartile).
Average maturity: 0.49 yrs (top quartile).
Exit load: NIL.

Below is the key information for UTI Money Market Fund

UTI Money Market Fund Growth
Launch Date	13 Jul 09
NAV (17 Oct 25)	₹3,147.53 ↑ 0.39 (0.01 %)
Net Assets (Cr)	₹19,496 on 31 Aug 25
Category	Debt - Money Market
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.25
Sharpe Ratio	3.22
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.22%
Effective Maturity	5 Months 28 Days
Modified Duration	5 Months 27 Days
Sub Cat.	Money Market

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹10,388
30 Sep 22	₹10,818
30 Sep 23	₹11,611
30 Sep 24	₹12,502
30 Sep 25	₹13,476

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 17 Oct 25

Duration	Returns
1 Month	0.5%
3 Month	1.4%
6 Month	3.4%
1 Year	7.7%
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
Anurag Mittal	1 Dec 21	3.75 Yr.
Amit Sharma	7 Jul 17	8.16 Yr.

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

Asset Allocation

Asset Class	Value
Cash	85.47%
Debt	14.27%
Other	0.27%

Debt Sector Allocation

Sector	Value
Corporate	51.94%
Cash Equivalent	25.02%
Government	22.78%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
364 Days Tbill (Md 05/03/2026) Sovereign Bonds \| -	2%	₹487 Cr	5,000,000,000
364 DTB 19mar2026 Sovereign Bonds \| -	2%	₹486 Cr	5,000,000,000
182 Days Tbill Red 28-05-2026 Sovereign Bonds \| -	2%	₹468 Cr	4,750,000,000
364 Days Tbill Red 12-03-2026 Sovereign Bonds \| -	1%	₹243 Cr	2,500,000,000
364 DTB 12022026 Sovereign Bonds \| -	1%	₹196 Cr	2,000,000,000
364 DTB 27022026 Sovereign Bonds \| -	1%	₹195 Cr	2,000,000,000
HDFC Bank Ltd. Debentures \| -	1%	₹145 Cr	1,500,000,000
Equitas Small Finance Bank Ltd. Debentures \| -	1%	₹145 Cr	1,500,000,000
India (Republic of) - \| -	1%	₹118 Cr	1,206,770,000
Goi 15.12.2025 Gov Sovereign Bonds \| -	1%	₹104 Cr	1,053,040,000

6. 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 (₹4,181 Cr).
Established history (22+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderately Low.
1Y return: 6.89% (lower mid).
1M return: 0.50% (bottom quartile).
Sharpe: 1.96 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.40% (bottom quartile).
Modified duration: 0.41 yrs (top quartile).
Average maturity: 0.47 yrs (top quartile).
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 (17 Oct 25)	₹4,314.38 ↑ 0.58 (0.01 %)
Net Assets (Cr)	₹4,181 on 31 Aug 25
Category	Debt - Ultrashort Bond
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.93
Sharpe Ratio	1.96
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.4%
Effective Maturity	5 Months 19 Days
Modified Duration	4 Months 28 Days
Sub Cat.	Ultrashort Bond

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹10,642
30 Sep 22	₹11,025
30 Sep 23	₹11,752
30 Sep 24	₹12,590
30 Sep 25	₹13,465

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 17 Oct 25

Duration	Returns
1 Month	0.5%
3 Month	1.4%
6 Month	3.1%
1 Year	6.9%
3 Year	6.9%
5 Year	6.1%
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
Anurag Mittal	21 Jan 25	0.61 Yr.

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

Asset Allocation

Asset Class	Value
Cash	58.86%
Debt	40.84%
Other	0.3%

Debt Sector Allocation

Sector	Value
Corporate	57.66%
Cash Equivalent	33.19%
Government	8.85%

Credit Quality

Rating	Value
AA	15.73%
AAA	84.27%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Shriram Finance Limited Debentures \| -	2%	₹101 Cr	10,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹101 Cr	10,000
LIC Housing Finance Ltd Debentures \| -	2%	₹100 Cr	1,000
182 Days Tbill Sovereign Bonds \| -	2%	₹100 Cr	1,000,000,000
91 Days Tbill (Md 28/08/2025) Sovereign Bonds \| -	2%	₹100 Cr	1,000,000,000
Cp Jsw Energy Ltd. Debentures \| -	2%	₹97 Cr	1,000,000,000 ↑ 1,000,000,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹75 Cr	7,500
Bajaj Housing Finance Limited Debentures \| -	2%	₹75 Cr	750
Small Industries Development Bank Of India Debentures \| -	2%	₹75 Cr	750
Jamnagar Utilities & Power Private Limited Debentures \| -	2%	₹75 Cr	750 ↑ 750

7. 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 (₹324 Cr).
Oldest track record among peers (27 yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderate.
1Y return: 6.51% (lower mid).
1M return: 0.82% (top quartile).
Sharpe: -0.10 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.20% (top quartile).
Modified duration: 5.44 yrs (lower mid).
Average maturity: 9.32 yrs (lower mid).
Exit load: NIL.

Below is the key information for UTI Bond Fund

UTI Bond Fund Growth
Launch Date	4 May 98
NAV (17 Oct 25)	₹74.1891 ↓ -0.02 (-0.03 %)
Net Assets (Cr)	₹324 on 31 Aug 25
Category	Debt - Medium to Long term
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.62
Sharpe Ratio	-0.1
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.2%
Effective Maturity	9 Years 3 Months 25 Days
Modified Duration	5 Years 5 Months 8 Days
Sub Cat.	Medium to Long term

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹11,096
30 Sep 22	₹12,037
30 Sep 23	₹12,860
30 Sep 24	₹13,989
30 Sep 25	₹14,788

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 17 Oct 25

Duration	Returns
1 Month	0.8%
3 Month	0.6%
6 Month	1.5%
1 Year	6.5%
3 Year	7.3%
5 Year	8.1%
10 Year
15 Year
Since launch	7.6%

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
Sunil Patil	17 Apr 23	2.38 Yr.

Data below for UTI Bond Fund as on 31 Aug 25

Asset Allocation

Asset Class	Value
Cash	3.23%
Debt	96.48%
Other	0.29%

Debt Sector Allocation

Sector	Value
Government	63.06%
Corporate	33.42%
Cash Equivalent	3.23%

Credit Quality

Rating	Value
AA	11.42%
AAA	88.58%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.92% Govt Stock 2039 Sovereign Bonds \| -	37%	₹120 Cr	1,190,000,000
LIC Housing Finance Ltd Debentures \| -	8%	₹25 Cr	250
Hdb Financial Services Limited Debentures \| -	8%	₹25 Cr	250
Indian Railway Finance Corporation Limited Debentures \| -	8%	₹25 Cr	2,500
7.08% A P Sgl Mat - 26/03/2037 Sovereign Bonds \| -	8%	₹24 Cr	250,000,000
07.80% Xirr Ptc- Siddhivinayak Securitisation Trust-28/09/2030 Sovereign Bonds \| -	6%	₹20 Cr	20 ↑ 20
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%	₹14 Cr	15
Bajaj Finance Limited Debentures \| -	2%	₹7 Cr	700

8. UTI Gilt Fund

(Erstwhile UTI Gilt Advantage Fund- LTP)

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

Research Highlights for UTI Gilt Fund

Lower mid AUM (₹565 Cr).
Established history (23+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderate.
1Y return: 5.33% (bottom quartile).
1M return: 0.62% (lower mid).
Sharpe: -0.44 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.27% (top quartile).
Modified duration: 9.87 yrs (bottom quartile).
Average maturity: 26.01 yrs (bottom quartile).
Exit load: NIL.

Below is the key information for UTI Gilt Fund

UTI Gilt Fund Growth
Launch Date	21 Jan 02
NAV (17 Oct 25)	₹63.1322 ↓ -0.02 (-0.03 %)
Net Assets (Cr)	₹565 on 31 Aug 25
Category	Debt - Government Bond
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	0.92
Sharpe Ratio	-0.44
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.27%
Effective Maturity	26 Years 4 Days
Modified Duration	9 Years 10 Months 13 Days
Sub Cat.	Government Bond

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹10,453
30 Sep 22	₹10,591
30 Sep 23	₹11,314
30 Sep 24	₹12,421
30 Sep 25	₹12,971

UTI Gilt Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for UTI Gilt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Oct 25

Duration	Returns
1 Month	0.6%
3 Month	-0.2%
6 Month	0.3%
1 Year	5.3%
3 Year	7.2%
5 Year	5.3%
10 Year
15 Year
Since launch	8.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.9%
2023	6.7%
2022	2.9%
2021	2.3%
2020	10.3%
2019	11.8%
2018	6.3%
2017	4.3%
2016	15.5%
2015	6.1%

Fund Manager information for UTI Gilt Fund

Name	Since	Tenure
Pankaj Pathak	8 Apr 25	0.4 Yr.

Data below for UTI Gilt Fund as on 31 Aug 25

Asset Allocation

Asset Class	Value
Cash	5.36%
Debt	94.64%

Debt Sector Allocation

Sector	Value
Government	94.64%
Cash Equivalent	5.36%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.34% Govt Stock 2064 Sovereign Bonds \| -	37%	₹211 Cr	2,100,000,000 ↓ -500,000,000
6.33% Govt Stock 2035 Sovereign Bonds \| -	17%	₹99 Cr	1,000,000,000 ↑ 1,000,000,000
7.1% Govt Stock 2034 Sovereign Bonds \| -	12%	₹67 Cr	650,000,000 ↓ -100,000,000
6.9% Govt Stock 2065 Sovereign Bonds \| -	9%	₹52 Cr	550,000,000
7.34% Sdl ASsam - 05/03/2035 Sovereign Bonds \| -	5%	₹30 Cr	300,000,000
07.32% Chattisgarh Sdl Sovereign Bonds \| -	5%	₹30 Cr	300,000,000
6.79% Govt Stock 2034 Sovereign Bonds \| -	4%	₹25 Cr	250,000,000 ↓ -150,000,000
7.3% Govt Stock 2053 Sovereign Bonds \| -	4%	₹20 Cr	200,000,000
Net Current Assets Net Current Assets \| -	5%	₹29 Cr
Clearing Corporation Of India Ltd. Std - Margin Net Current Assets \| -	0%	₹1 Cr	00

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