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2022-ലെ 10 മികച്ച UTI മ്യൂച്വൽ ഫണ്ട് സ്കീമുകൾ

Updated on September 29, 2025 , 16249 views

യുടിഐ മ്യൂച്വൽ ഫണ്ട്, ഇന്ത്യയിലെ മുൻനിര ധനകാര്യ സ്ഥാപനങ്ങളിലൊന്നായ നിക്ഷേപകർക്കിടയിൽ വലിയ വിശ്വാസം നേടിയിട്ടുണ്ട്. ദിഎഎംസി വേണ്ടി നിരവധി പുരസ്കാരങ്ങൾ നേടിയിട്ടുണ്ട്വഴിപാട് നൂതനവും സ്ഥിരവുമായ വരുമാനംമ്യൂച്വൽ ഫണ്ടുകൾ അതിന്റെ തുടക്കം മുതൽ.

വ്യവസ്ഥാപിതമായി നിലനിർത്താൻ നിക്ഷേപകരെ സഹായിക്കുന്നതിന്അസറ്റ് അലോക്കേഷൻ പ്ലാൻ, എഎംസി വിപുലമായതിനെ അടിസ്ഥാനമാക്കി നല്ല വൈവിധ്യമുള്ളതും സമതുലിതമായതുമായ നിക്ഷേപ പോർട്ട്‌ഫോളിയോ വാഗ്ദാനം ചെയ്യുന്നുവിപണി ഗവേഷണം. നിക്ഷേപകർക്ക് ഇക്വിറ്റി, ഡെറ്റ്, ബാലൻസ്ഡ്, എന്നിങ്ങനെയുള്ള സ്കീമുകളുടെ ഒരു നിരയിൽ നിക്ഷേപിക്കാം.ലിക്വിഡ് ഫണ്ടുകൾ, തുടങ്ങിയവ.

UTI

സമ്പത്ത് സൃഷ്ടിക്കൽ പോലുള്ള നിങ്ങളുടെ വ്യത്യസ്ത ലക്ഷ്യങ്ങൾ നിങ്ങൾക്ക് ആസൂത്രണം ചെയ്യാൻ കഴിയും,വിരമിക്കൽ ആസൂത്രണം, കുട്ടിയുടെ ഉന്നത വിദ്യാഭ്യാസം, നികുതി ലാഭിക്കൽ മുതലായവനിക്ഷേപിക്കുന്നു ഈ സ്കീമുകളിൽ.

മികച്ച യുടിഐ മ്യൂച്വൽ ഫണ്ട് സ്കീമുകളിൽ 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 ഇടപെടൽ പ്രക്രിയയും തടസ്സരഹിതവും ഉപയോക്തൃ സൗഹൃദവുമാണ്.

ഡി. വിരമിക്കൽ ആസൂത്രണം

UTI സ്കീമുകൾ നിക്ഷേപകരെ അവരുടെ ഭാവി ആസൂത്രണം ചെയ്യാൻ സഹായിക്കുന്നു. റിട്ടയർമെന്റ് പ്ലാനുകൾ മാപ്പുചെയ്യുന്നതിന് ഇത് അവരെ സഹായിക്കുന്നു കൂടാതെ നിക്ഷേപകരെ സഹായിക്കുന്നതിന് UTI - റിട്ടയർമെന്റ് ബെനിഫിറ്റ് പെൻഷൻ ഫണ്ട് നിക്ഷേപം പോലെയുള്ള ചില നന്നായി തയ്യാറാക്കിയ സ്കീമുകളും ഉണ്ട്.

ഇ. നികുതി ആനുകൂല്യങ്ങൾ

ഫണ്ട് ഹൗസ് ഒരു നികുതി ലാഭിക്കൽ മ്യൂച്വൽ ഫണ്ട് വാഗ്ദാനം ചെയ്യുന്നു, അതിലൂടെ ആളുകൾക്ക് ആസൂത്രണം ചെയ്യാൻ കഴിയുംനികുതികൾ. കൂടാതെ, മറ്റ് സ്കീമുകളിൽ, സ്കീം വിഭാഗത്തെ അടിസ്ഥാനമാക്കി ആളുകൾക്ക് നികുതി ആനുകൂല്യങ്ങൾ ക്ലെയിം ചെയ്യാം.

നിക്ഷേപിക്കാൻ പദ്ധതിയിടുന്ന നിക്ഷേപകർക്ക് താഴെ ലിസ്റ്റ് ചെയ്തിട്ടുള്ള മികച്ച 10 യുടിഐ മ്യൂച്വൽ ഫണ്ട് സ്കീമുകളിൽ നിന്ന് ഒരു ഫണ്ട് തിരഞ്ഞെടുക്കാം. AUM പോലുള്ള ചില പാരാമീറ്ററുകൾ ഏറ്റെടുത്ത് ഈ ഫണ്ടുകൾ ഷോർട്ട്‌ലിസ്റ്റ് ചെയ്തിട്ടുണ്ട്,അല്ല, മുൻകാല പ്രകടനങ്ങൾ, ശരാശരി വരുമാനം മുതലായവ.

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മികച്ച യുടിഐ മ്യൂച്വൽ ഫണ്ട് സ്കീമുകൾ

FundNAVNet Assets (Cr)Min InvestmentMin SIP Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)Since launch (%)2024 (%)
UTI Banking & PSU Debt Fund Growth ₹22.3163
↑ 0.01
₹813 5,000 500 1.44.287.57.17.17.6
UTI Dynamic Bond Fund Growth ₹31.1358
↑ 0.05
₹463 10,000 500 0.22.55.878.47.78.6
UTI Money Market Fund Growth ₹3,139.6
↑ 1.10
₹19,496 10,000 500 1.53.87.87.66.27.37.7
UTI Treasury Advantage Fund Growth ₹3,610.42
↑ 0.86
₹3,125 10,000 500 1.53.97.87.57.17.27.7
UTI Short Term Income Fund Growth ₹32.224
↑ 0.03
₹3,251 10,000 500 1.23.87.77.576.77.9
UTI Ultra Short Term Fund Growth ₹4,303.82
↑ 1.55
₹4,181 5,000 500 1.43.376.96.16.87.2
UTI Bond Fund Growth ₹73.729
↑ 0.14
₹324 1,000 500 0.22.35.87.28.17.68.5
UTI Gilt Fund Growth ₹62.8459
↑ 0.20
₹565 5,000 500 -0.21.24.67.15.48.18.9
UTI Regular Savings Fund Growth ₹69.486
↑ 0.27
₹1,686 5,000 500 -0.33.539.910.69.311.6
UTI Liquid Cash Plan Growth ₹4,346.23
↑ 0.96
₹25,037 500 1,500 1.43.16.875.66.97.3
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 1 Oct 25

Research Highlights & Commentary of 10 Funds showcased

CommentaryUTI Banking & PSU Debt FundUTI Dynamic Bond FundUTI Money Market FundUTI Treasury Advantage FundUTI Short Term Income FundUTI Ultra Short Term FundUTI Bond FundUTI Gilt FundUTI Regular Savings FundUTI Liquid Cash Plan
Point 1Lower mid AUM (₹813 Cr).Bottom quartile AUM (₹463 Cr).Top quartile AUM (₹19,496 Cr).Upper mid AUM (₹3,125 Cr).Upper mid AUM (₹3,251 Cr).Upper mid AUM (₹4,181 Cr).Bottom quartile AUM (₹324 Cr).Bottom quartile AUM (₹565 Cr).Lower mid AUM (₹1,686 Cr).Highest AUM (₹25,037 Cr).
Point 2Established history (11+ yrs).Established history (15+ yrs).Established history (16+ yrs).Established history (18+ yrs).Established history (18+ yrs).Established history (22+ yrs).Oldest track record among peers (27 yrs).Established history (23+ yrs).Established history (21+ yrs).Established history (21+ yrs).
Point 3Top rated.Rating: 5★ (top quartile).Rating: 4★ (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: 3★ (bottom quartile).
Point 4Risk profile: Moderate.Risk profile: Moderate.Risk profile: Low.Risk profile: Moderately Low.Risk profile: Moderate.Risk profile: Moderately Low.Risk profile: Moderate.Risk profile: Moderate.Risk profile: Moderately High.Risk profile: Low.
Point 51Y return: 7.98% (top quartile).1Y return: 5.83% (lower mid).1Y return: 7.80% (top quartile).1Y return: 7.78% (upper mid).1Y return: 7.68% (upper mid).1Y return: 6.96% (upper mid).1Y return: 5.76% (bottom quartile).1Y return: 4.57% (bottom quartile).5Y return: 10.63% (top quartile).1Y return: 6.82% (lower mid).
Point 61M return: 0.64% (lower mid).1M return: 1.07% (top quartile).1M return: 0.51% (bottom quartile).1M return: 0.56% (lower mid).1M return: 0.66% (upper mid).1M return: 0.48% (bottom quartile).1M return: 0.99% (upper mid).1M return: 1.70% (top quartile).3Y return: 9.86% (top quartile).1M return: 0.48% (bottom quartile).
Point 7Sharpe: 1.46 (upper mid).Sharpe: -0.08 (lower mid).Sharpe: 3.22 (top quartile).Sharpe: 2.55 (upper mid).Sharpe: 1.20 (lower mid).Sharpe: 1.96 (upper mid).Sharpe: -0.10 (bottom quartile).Sharpe: -0.44 (bottom quartile).1Y return: 3.01% (bottom quartile).Sharpe: 3.40 (top quartile).
Point 8Information 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 (upper mid).Information ratio: 0.00 (lower mid).Information ratio: 0.00 (lower mid).Information ratio: 0.00 (bottom quartile).1M return: 0.78% (upper mid).Information ratio: 0.00 (bottom quartile).
Point 9Yield to maturity (debt): 6.61% (lower mid).Yield to maturity (debt): 7.15% (upper mid).Yield to maturity (debt): 6.22% (bottom quartile).Yield to maturity (debt): 6.69% (lower mid).Yield to maturity (debt): 6.82% (upper mid).Yield to maturity (debt): 6.40% (bottom quartile).Yield to maturity (debt): 7.20% (top quartile).Yield to maturity (debt): 7.27% (top quartile).Alpha: 0.00 (bottom quartile).Yield to maturity (debt): 5.93% (bottom quartile).
Point 10Modified duration: 1.70 yrs (upper mid).Modified duration: 7.16 yrs (bottom quartile).Modified duration: 0.49 yrs (upper mid).Modified duration: 0.95 yrs (upper mid).Modified duration: 2.53 yrs (lower mid).Modified duration: 0.41 yrs (top quartile).Modified duration: 5.44 yrs (lower mid).Modified duration: 9.87 yrs (bottom quartile).Sharpe: -0.53 (bottom quartile).Modified duration: 0.10 yrs (top quartile).

UTI Banking & PSU Debt Fund

  • Lower mid AUM (₹813 Cr).
  • Established history (11+ yrs).
  • Top rated.
  • Risk profile: Moderate.
  • 1Y return: 7.98% (top quartile).
  • 1M return: 0.64% (lower 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: 5.83% (lower mid).
  • 1M return: 1.07% (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 Money Market Fund

  • Top quartile AUM (₹19,496 Cr).
  • Established history (16+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 7.80% (top quartile).
  • 1M return: 0.51% (bottom quartile).
  • Sharpe: 3.22 (top quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 6.22% (bottom quartile).
  • Modified duration: 0.49 yrs (upper 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: 7.78% (upper mid).
  • 1M return: 0.56% (lower mid).
  • Sharpe: 2.55 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 6.69% (lower mid).
  • Modified duration: 0.95 yrs (upper mid).

UTI Short Term Income Fund

  • Upper mid AUM (₹3,251 Cr).
  • Established history (18+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Moderate.
  • 1Y return: 7.68% (upper mid).
  • 1M return: 0.66% (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 Ultra Short Term Fund

  • Upper mid AUM (₹4,181 Cr).
  • Established history (22+ yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: Moderately Low.
  • 1Y return: 6.96% (upper mid).
  • 1M return: 0.48% (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★ (lower mid).
  • Risk profile: Moderate.
  • 1Y return: 5.76% (bottom quartile).
  • 1M return: 0.99% (upper mid).
  • Sharpe: -0.10 (bottom quartile).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 7.20% (top quartile).
  • Modified duration: 5.44 yrs (lower mid).

UTI Gilt Fund

  • Bottom quartile AUM (₹565 Cr).
  • Established history (23+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderate.
  • 1Y return: 4.57% (bottom quartile).
  • 1M return: 1.70% (top quartile).
  • 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).

UTI Regular Savings Fund

  • Lower mid AUM (₹1,686 Cr).
  • Established history (21+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 10.63% (top quartile).
  • 3Y return: 9.86% (top quartile).
  • 1Y return: 3.01% (bottom quartile).
  • 1M return: 0.78% (upper mid).
  • Alpha: 0.00 (bottom quartile).
  • Sharpe: -0.53 (bottom quartile).

UTI Liquid Cash Plan

  • Highest AUM (₹25,037 Cr).
  • Established history (21+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 6.82% (lower mid).
  • 1M return: 0.48% (bottom quartile).
  • Sharpe: 3.40 (top quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 5.93% (bottom quartile).
  • Modified duration: 0.10 yrs (top 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: 7.98% (top quartile).
  • 1M return: 0.64% (lower 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 (01 Oct 25) ₹22.3163 ↑ 0.01   (0.04 %)
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

Growth of 10,000 investment over the years.

DateValue
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

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹203,125.
Net Profit of ₹23,125
Invest Now

Returns for UTI Banking & PSU Debt Fund

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

DurationReturns
1 Month 0.6%
3 Month 1.4%
6 Month 4.2%
1 Year 8%
3 Year 7.5%
5 Year 7.1%
10 Year
15 Year
Since launch 7.1%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Anurag Mittal1 Dec 213.75 Yr.

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

Asset Allocation
Asset ClassValue
Cash5.26%
Debt94.41%
Other0.33%
Debt Sector Allocation
SectorValue
Corporate54.74%
Government39.67%
Cash Equivalent5.26%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.38% Govt Stock 2027
Sovereign Bonds | -
11%₹92 Cr900,000,000
Axis Bank Limited
Debentures | -
7%₹55 Cr550
Export Import Bank Of India
Debentures | -
6%₹51 Cr5,000
Small Industries Development Bank Of India
Debentures | -
6%₹51 Cr5,000
Power Finance Corporation Limited
Debentures | -
5%₹41 Cr400
Rural Electrification Corporation Limited
Debentures | -
4%₹36 Cr3,500
National Housing Bank
Debentures | -
4%₹36 Cr3,500
HDFC Bank Limited
Debentures | -
4%₹35 Cr350
Indian Railway Finance Corporation Limited
Debentures | -
4%₹31 Cr300
National Bank For Agriculture And Rural Development
Debentures | -
4%₹30 Cr3,000

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: 5.83% (lower mid).
  • 1M return: 1.07% (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 (01 Oct 25) ₹31.1358 ↑ 0.05   (0.16 %)
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

Growth of 10,000 investment over the years.

DateValue
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

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹206,148.
Net Profit of ₹26,148
Invest Now

Returns for UTI Dynamic Bond Fund

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

DurationReturns
1 Month 1.1%
3 Month 0.2%
6 Month 2.5%
1 Year 5.8%
3 Year 7%
5 Year 8.4%
10 Year
15 Year
Since launch 7.7%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Pankaj Pathak8 Apr 250.4 Yr.

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

Asset Allocation
Asset ClassValue
Cash3.49%
Debt96.2%
Other0.31%
Debt Sector Allocation
SectorValue
Government65.7%
Corporate30.5%
Cash Equivalent3.49%
Credit Quality
RatingValue
AA3.4%
AAA96.6%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.34% Govt Stock 2064
Sovereign Bonds | -
13%₹60 Cr600,000,000
↓ -250,000,000
6.33% Govt Stock 2035
Sovereign Bonds | -
13%₹59 Cr600,000,000
↑ 500,000,000
6.68% Govt Stock 2040
Sovereign Bonds | -
7%₹35 Cr350,000,000
7.02% Govt Stock 2031
Sovereign Bonds | -
6%₹26 Cr250,000,000
Power Finance Corporation Limited
Debentures | -
6%₹26 Cr2,500
Small Industries Development Bank Of India
Debentures | -
5%₹25 Cr2,500
LIC Housing Finance Ltd
Debentures | -
5%₹25 Cr2,500
Bajaj Finance Limited
Debentures | -
5%₹25 Cr2,500
Indian Railway Finance Corporation Limited
Debentures | -
5%₹25 Cr2,500
Ntpc Limited
Debentures | -
5%₹25 Cr2,500

3. 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

  • Top quartile AUM (₹19,496 Cr).
  • Established history (16+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 7.80% (top quartile).
  • 1M return: 0.51% (bottom quartile).
  • Sharpe: 3.22 (top quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 6.22% (bottom quartile).
  • Modified duration: 0.49 yrs (upper mid).
  • Average maturity: 0.49 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 (01 Oct 25) ₹3,139.6 ↑ 1.10   (0.04 %)
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

Growth of 10,000 investment over the years.

DateValue
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

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132
Invest Now

Returns for UTI Money Market Fund

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

DurationReturns
1 Month 0.5%
3 Month 1.5%
6 Month 3.8%
1 Year 7.8%
3 Year 7.6%
5 Year 6.2%
10 Year
15 Year
Since launch 7.3%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Anurag Mittal1 Dec 213.75 Yr.
Amit Sharma7 Jul 178.16 Yr.

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

Asset Allocation
Asset ClassValue
Cash85.47%
Debt14.27%
Other0.27%
Debt Sector Allocation
SectorValue
Corporate51.94%
Cash Equivalent25.02%
Government22.78%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
364 Days Tbill (Md 05/03/2026)
Sovereign Bonds | -
2%₹487 Cr5,000,000,000
364 DTB 19mar2026
Sovereign Bonds | -
2%₹486 Cr5,000,000,000
182 Days Tbill Red 28-05-2026
Sovereign Bonds | -
2%₹468 Cr4,750,000,000
364 Days Tbill Red 12-03-2026
Sovereign Bonds | -
1%₹243 Cr2,500,000,000
364 DTB 12022026
Sovereign Bonds | -
1%₹196 Cr2,000,000,000
364 DTB 27022026
Sovereign Bonds | -
1%₹195 Cr2,000,000,000
HDFC Bank Ltd.
Debentures | -
1%₹145 Cr1,500,000,000
Equitas Small Finance Bank Ltd.
Debentures | -
1%₹145 Cr1,500,000,000
India (Republic of)
- | -
1%₹118 Cr1,206,770,000
Goi 15.12.2025 Gov
Sovereign Bonds | -
1%₹104 Cr1,053,040,000

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: 7.78% (upper mid).
  • 1M return: 0.56% (lower mid).
  • Sharpe: 2.55 (upper mid).
  • 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 (01 Oct 25) ₹3,610.42 ↑ 0.86   (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

Growth of 10,000 investment over the years.

DateValue
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

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹203,125.
Net Profit of ₹23,125
Invest Now

Returns for UTI Treasury Advantage Fund

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

DurationReturns
1 Month 0.6%
3 Month 1.5%
6 Month 3.9%
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
YearReturns
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
NameSinceTenure
Anurag Mittal1 Dec 213.75 Yr.

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

Asset Allocation
Asset ClassValue
Cash21.73%
Debt77.97%
Other0.3%
Debt Sector Allocation
SectorValue
Corporate69.72%
Government17.58%
Cash Equivalent12.4%
Credit Quality
RatingValue
AA16.44%
AAA83.56%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Power Finance Corporation Limited
Debentures | -
5%₹149 Cr1,500
Bajaj Housing Finance Limited
Debentures | -
4%₹126 Cr1,250
Treasury Bills
Sovereign Bonds | -
4%₹123 Cr1,250,000,000
Embassy Office Parks Reit
Debentures | -
4%₹120 Cr1,200
National Bank For Agriculture And Rural Development
Debentures | -
3%₹101 Cr10,000
Rec Limited
Debentures | -
3%₹101 Cr10,000
Sikka Ports & Terminals Limited
Debentures | -
3%₹100 Cr1,000
182 Days Tbill Red 29-01-2026
Sovereign Bonds | -
3%₹93 Cr950,000,000
Nirma Limited
Debentures | -
2%₹75 Cr7,500
Kotak Mahindra Bank Ltd.
Debentures | -
2%₹73 Cr750,000,000

5. UTI Short Term Income Fund

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

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: 7.68% (upper mid).
  • 1M return: 0.66% (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 (01 Oct 25) ₹32.224 ↑ 0.03   (0.09 %)
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

Growth of 10,000 investment over the years.

DateValue
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

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹203,125.
Net Profit of ₹23,125
Invest Now

Returns for UTI 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 1 Oct 25

DurationReturns
1 Month 0.7%
3 Month 1.2%
6 Month 3.8%
1 Year 7.7%
3 Year 7.5%
5 Year 7%
10 Year
15 Year
Since launch 6.7%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Anurag Mittal8 Apr 250.4 Yr.
Sudhir Agarwal25 Oct 1212.86 Yr.

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

Asset Allocation
Asset ClassValue
Cash15%
Debt84.73%
Other0.27%
Debt Sector Allocation
SectorValue
Corporate63.57%
Government30.05%
Cash Equivalent6.11%
Credit Quality
RatingValue
AA7.75%
AAA92.25%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.79% Govt Stock 2034
Sovereign Bonds | -
10%₹309 Cr3,050,000,000
National Housing Bank
Debentures | -
5%₹178 Cr17,500
Small Industries Development Bank Of India
Debentures | -
5%₹178 Cr17,500
LIC Housing Finance Ltd
Debentures | -
5%₹177 Cr1,750
Power Finance Corporation Limited
Debentures | -
5%₹177 Cr17,500
National Bank For Agriculture And Rural Development
Debentures | -
4%₹142 Cr14,000
Export Import Bank Of India
Debentures | -
4%₹127 Cr12,500
Bajaj Finance Limited
Debentures | -
2%₹76 Cr7,500
Kotak Mahindra Prime Limited
Debentures | -
2%₹76 Cr750
National Bank For Agriculture And Rural Development
Debentures | -
2%₹76 Cr7,500

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

  • Upper mid AUM (₹4,181 Cr).
  • Established history (22+ yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: Moderately Low.
  • 1Y return: 6.96% (upper mid).
  • 1M return: 0.48% (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 (01 Oct 25) ₹4,303.82 ↑ 1.55   (0.04 %)
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

Growth of 10,000 investment over the years.

DateValue
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

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132
Invest Now

Returns for UTI Ultra Short Term Fund

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

DurationReturns
1 Month 0.5%
3 Month 1.4%
6 Month 3.3%
1 Year 7%
3 Year 6.9%
5 Year 6.1%
10 Year
15 Year
Since launch 6.8%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Anurag Mittal21 Jan 250.61 Yr.

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

Asset Allocation
Asset ClassValue
Cash58.86%
Debt40.84%
Other0.3%
Debt Sector Allocation
SectorValue
Corporate57.66%
Cash Equivalent33.19%
Government8.85%
Credit Quality
RatingValue
AA15.73%
AAA84.27%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Shriram Finance Limited
Debentures | -
2%₹101 Cr10,000
National Bank For Agriculture And Rural Development
Debentures | -
2%₹101 Cr10,000
LIC Housing Finance Ltd
Debentures | -
2%₹100 Cr1,000
182 Days Tbill
Sovereign Bonds | -
2%₹100 Cr1,000,000,000
91 Days Tbill (Md 28/08/2025)
Sovereign Bonds | -
2%₹100 Cr1,000,000,000
Cp Jsw Energy Ltd.
Debentures | -
2%₹97 Cr1,000,000,000
↑ 1,000,000,000
National Bank For Agriculture And Rural Development
Debentures | -
2%₹75 Cr7,500
Bajaj Housing Finance Limited
Debentures | -
2%₹75 Cr750
Small Industries Development Bank Of India
Debentures | -
2%₹75 Cr750
Jamnagar Utilities & Power Private Limited
Debentures | -
2%₹75 Cr750
↑ 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★ (lower mid).
  • Risk profile: Moderate.
  • 1Y return: 5.76% (bottom quartile).
  • 1M return: 0.99% (upper mid).
  • Sharpe: -0.10 (bottom quartile).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 7.20% (top quartile).
  • Modified duration: 5.44 yrs (lower mid).
  • Average maturity: 9.32 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 (01 Oct 25) ₹73.729 ↑ 0.14   (0.19 %)
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

Growth of 10,000 investment over the years.

DateValue
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

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹206,148.
Net Profit of ₹26,148
Invest Now

Returns for UTI 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 1 Oct 25

DurationReturns
1 Month 1%
3 Month 0.2%
6 Month 2.3%
1 Year 5.8%
3 Year 7.2%
5 Year 8.1%
10 Year
15 Year
Since launch 7.6%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Sunil Patil17 Apr 232.38 Yr.

Data below for UTI Bond Fund as on 31 Aug 25

Asset Allocation
Asset ClassValue
Cash3.23%
Debt96.48%
Other0.29%
Debt Sector Allocation
SectorValue
Government63.06%
Corporate33.42%
Cash Equivalent3.23%
Credit Quality
RatingValue
AA11.42%
AAA88.58%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.92% Govt Stock 2039
Sovereign Bonds | -
37%₹120 Cr1,190,000,000
LIC Housing Finance Ltd
Debentures | -
8%₹25 Cr250
Hdb Financial Services Limited
Debentures | -
8%₹25 Cr250
Indian Railway Finance Corporation Limited
Debentures | -
8%₹25 Cr2,500
7.08% A P Sgl Mat - 26/03/2037
Sovereign Bonds | -
8%₹24 Cr250,000,000
07.80% Xirr Ptc- Siddhivinayak Securitisation Trust-28/09/2030
Sovereign Bonds | -
6%₹20 Cr20
↑ 20
Cholamandalam Investment And Finance Company Limited
Debentures | -
5%₹15 Cr1,500
Aditya Birla Renewables Limited
Debentures | -
5%₹15 Cr1,500
INDIA UNIVERSAL TRUST AL1
Unlisted bonds | -
4%₹14 Cr15
Bajaj Finance Limited
Debentures | -
2%₹7 Cr700

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

  • Bottom quartile AUM (₹565 Cr).
  • Established history (23+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderate.
  • 1Y return: 4.57% (bottom quartile).
  • 1M return: 1.70% (top quartile).
  • 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 (01 Oct 25) ₹62.8459 ↑ 0.20   (0.31 %)
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

Growth of 10,000 investment over the years.

DateValue
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

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

Returns for UTI Gilt Fund

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

DurationReturns
1 Month 1.7%
3 Month -0.2%
6 Month 1.2%
1 Year 4.6%
3 Year 7.1%
5 Year 5.4%
10 Year
15 Year
Since launch 8.1%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Pankaj Pathak8 Apr 250.4 Yr.

Data below for UTI Gilt Fund as on 31 Aug 25

Asset Allocation
Asset ClassValue
Cash5.36%
Debt94.64%
Debt Sector Allocation
SectorValue
Government94.64%
Cash Equivalent5.36%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.34% Govt Stock 2064
Sovereign Bonds | -
37%₹211 Cr2,100,000,000
↓ -500,000,000
6.33% Govt Stock 2035
Sovereign Bonds | -
17%₹99 Cr1,000,000,000
↑ 1,000,000,000
7.1% Govt Stock 2034
Sovereign Bonds | -
12%₹67 Cr650,000,000
↓ -100,000,000
6.9% Govt Stock 2065
Sovereign Bonds | -
9%₹52 Cr550,000,000
7.34% Sdl ASsam - 05/03/2035
Sovereign Bonds | -
5%₹30 Cr300,000,000
07.32% Chattisgarh Sdl
Sovereign Bonds | -
5%₹30 Cr300,000,000
6.79% Govt Stock 2034
Sovereign Bonds | -
4%₹25 Cr250,000,000
↓ -150,000,000
7.3% Govt Stock 2053
Sovereign Bonds | -
4%₹20 Cr200,000,000
Net Current Assets
Net Current Assets | -
5%₹29 Cr
Clearing Corporation Of India Ltd. Std - Margin
Net Current Assets | -
0%₹1 Cr00

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 (₹1,686 Cr).
  • Established history (21+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 10.63% (top quartile).
  • 3Y return: 9.86% (top quartile).
  • 1Y return: 3.01% (bottom quartile).
  • 1M return: 0.78% (upper mid).
  • Alpha: 0.00 (bottom quartile).
  • Sharpe: -0.53 (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 (01 Oct 25) ₹69.486 ↑ 0.27   (0.39 %)
Net Assets (Cr) ₹1,686 on 31 Aug 25
Category Hybrid - Hybrid Debt
AMC UTI Asset Management Company Ltd
Rating
Risk Moderately High
Expense Ratio 1.81
Sharpe Ratio -0.53
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.

DateValue
30 Sep 20₹10,000
30 Sep 21₹12,372
30 Sep 22₹12,549
30 Sep 23₹13,720
30 Sep 24₹16,128
30 Sep 25₹16,573

UTI Regular Savings Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹395,578.
Net Profit of ₹95,578
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 1 Oct 25

DurationReturns
1 Month 0.8%
3 Month -0.3%
6 Month 3.5%
1 Year 3%
3 Year 9.9%
5 Year 10.6%
10 Year
15 Year
Since launch 9.3%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Amit Premchandani8 Jan 223.65 Yr.
Jaydeep Bhowal17 Apr 232.38 Yr.

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

Asset Allocation
Asset ClassValue
Cash2.34%
Equity23.68%
Debt73.7%
Other0.28%
Equity Sector Allocation
SectorValue
Financial Services7.77%
Consumer Cyclical3.44%
Technology2.51%
Health Care1.99%
Basic Materials1.96%
Communication Services1.76%
Industrials1.44%
Energy1.29%
Utility0.61%
Consumer Defensive0.57%
Real Estate0.33%
Debt Sector Allocation
SectorValue
Government48.01%
Corporate25.69%
Cash Equivalent2.34%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.79% Govt Stock 2034
Sovereign Bonds | -
9%₹153 Cr1,520,000,000
↓ -250,000,000
7.1% Govt Stock 2034
Sovereign Bonds | -
6%₹103 Cr1,000,000,000
↓ -1,500,000,000
6.33% Govt Stock 2035
Sovereign Bonds | -
6%₹93 Cr950,000,000
↑ 250,000,000
6.01% Govt Stock 2030
Sovereign Bonds | -
5%₹79 Cr800,000,000
↑ 800,000,000
Power Finance Corporation Limited
Debentures | -
5%₹77 Cr7,500
Indian Oil Corporation Limited
Debentures | -
5%₹76 Cr7,500
↑ 5,000
National Bank For Agriculture And Rural Development
Debentures | -
5%₹76 Cr7,500
HDFC Bank Limited
Debentures | -
3%₹52 Cr5,000
LIC Housing Finance Ltd
Debentures | -
3%₹51 Cr5,000
Small Industries Development Bank Of India
Debentures | -
3%₹51 Cr5,000

10. UTI Liquid Cash Plan

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 money market securities and high quality debt.

Research Highlights for UTI Liquid Cash Plan

  • Highest AUM (₹25,037 Cr).
  • Established history (21+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 6.82% (lower mid).
  • 1M return: 0.48% (bottom quartile).
  • Sharpe: 3.40 (top quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 5.93% (bottom quartile).
  • Modified duration: 0.10 yrs (top quartile).
  • Average maturity: 0.10 yrs (top quartile).
  • Exit load: NIL.

Below is the key information for UTI Liquid Cash Plan

UTI Liquid Cash Plan
Growth
Launch Date 11 Dec 03
NAV (01 Oct 25) ₹4,346.23 ↑ 0.96   (0.02 %)
Net Assets (Cr) ₹25,037 on 31 Aug 25
Category Debt - Liquid Fund
AMC UTI Asset Management Company Ltd
Rating
Risk Low
Expense Ratio 0.25
Sharpe Ratio 3.4
Information Ratio 0
Alpha Ratio 0
Min Investment 500
Min SIP Investment 1,500
Exit Load NIL
Yield to Maturity 5.93%
Effective Maturity 1 Month 6 Days
Modified Duration 1 Month 6 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 20₹10,000
30 Sep 21₹10,320
30 Sep 22₹10,740
30 Sep 23₹11,478
30 Sep 24₹12,320
30 Sep 25₹13,161

UTI Liquid Cash Plan SIP Returns

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

Returns for UTI Liquid Cash Plan

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

DurationReturns
1 Month 0.5%
3 Month 1.4%
6 Month 3.1%
1 Year 6.8%
3 Year 7%
5 Year 5.6%
10 Year
15 Year
Since launch 6.9%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.3%
2023 7%
2022 4.8%
2021 3.3%
2020 4.2%
2019 6.6%
2018 7.4%
2017 6.7%
2016 7.7%
2015 8.3%
Fund Manager information for UTI Liquid Cash Plan
NameSinceTenure
Amit Sharma7 Jul 178.16 Yr.

Data below for UTI Liquid Cash Plan as on 31 Aug 25

Asset Allocation
Asset ClassValue
Cash96.84%
Debt2.93%
Other0.23%
Debt Sector Allocation
SectorValue
Cash Equivalent82.72%
Corporate16.18%
Government0.87%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Net Current Assets
Net Current Assets | -
7%₹1,894 Cr
91 Days Tbill Red 23-10-2025
Sovereign Bonds | -
3%₹994 Cr10,000,000,000
Cp Icici Securities Ltd.
Net Current Assets | -
2%₹615 Cr6,250,000,000
↑ 6,250,000,000
Reliance Industries Ltd.
Commercial Paper | -
2%₹599 Cr6,000,000,000
Cd - Indusind Bank - 14/11/2025
Net Current Assets | -
2%₹594 Cr6,000,000,000
HDFC Bank Limited
Certificate of Deposit | -
2%₹592 Cr6,000,000,000
↑ 6,000,000,000
Indian Oil Corporation Ltd.
Commercial Paper | -
2%₹549 Cr5,500,000,000
91 Days Tbill (Md 28/08/2025)
Sovereign Bonds | -
2%₹500 Cr5,000,000,000
↑ 5,000,000,000
182 Days Tbill
Sovereign Bonds | -
2%₹500 Cr5,000,000,000
Bharti Airtel Ltd.
Commercial Paper | -
2%₹499 Cr5,000,000,000

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