2022-ലെ 10 മികച്ച UTI മ്യൂച്വൽ ഫണ്ട് സ്കീമുകൾ

Updated on October 29, 2026 , 17364 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.

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

Fund	NAV	Net Assets (Cr)	Min Investment	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	Since launch (%)	2025 (%)
UTI Banking & PSU Debt Fund Growth	₹23.6629 ↑ 0.00	₹1,448	5,000	500	1.3	3.1	5.5	7.2	7.5	7	7.8
UTI Dynamic Bond Fund Growth	₹32.2237 ↓ -0.02	₹396	10,000	500	-0.5	1.1	3	6.3	6.6	7.4	6
UTI Money Market Fund Growth	₹3,350.54 ↑ 0.51	₹16,039	10,000	500	1.5	3.3	6.2	7.2	6.7	7.2	7.5
UTI Ultra Short Term Fund Growth	₹4,572.99 ↑ 0.95	₹3,017	5,000	500	1.3	3	5.8	6.6	6	6.8	6.6
UTI Treasury Advantage Fund Growth	₹3,833.49 ↑ 0.87	₹2,604	10,000	500	1.1	2.9	5.6	7	6.4	7.1	7.5
UTI Short Term Income Fund Growth	₹33.6277 ↑ 0.01	₹1,770	10,000	500	0	2.1	3.8	6.6	5.9	6.5	7.3
UTI Gilt Fund Growth	₹64.7303 ↓ -0.09	₹415	5,000	500	-1.6	0	2.7	6	5.1	7.8	5.1
UTI Bond Fund Growth	₹75.5435 ↑ 0.00	₹303	1,000	500	-0.8	1.5	2.1	5.8	6.4	7.4	5.6
UTI Regular Savings Fund Growth	₹69.387 ↓ -0.05	₹1,602	5,000	500	-2.3	0.1	-1.4	6.8	6	8.8	6.1
UTI Liquid Cash Plan Growth	₹464.428 ↑ 0.10	₹27,453	500	1,500	1.5	3.1	6.4	6.8	6.3	6.8	6.5
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 30 Oct 26

Research Highlights & Commentary of 10 Funds showcased

Commentary	UTI Banking & PSU Debt Fund	UTI Dynamic Bond Fund	UTI Money Market Fund	UTI Ultra Short Term Fund	UTI Treasury Advantage Fund	UTI Short Term Income Fund	UTI Gilt Fund	UTI Bond Fund	UTI Regular Savings Fund	UTI Liquid Cash Plan
Point 1	Lower mid AUM (₹1,448 Cr).	Bottom quartile AUM (₹396 Cr).	Top quartile AUM (₹16,039 Cr).	Upper mid AUM (₹3,017 Cr).	Upper mid AUM (₹2,604 Cr).	Upper mid AUM (₹1,770 Cr).	Bottom quartile AUM (₹415 Cr).	Bottom quartile AUM (₹303 Cr).	Lower mid AUM (₹1,602 Cr).	Highest AUM (₹27,453 Cr).
Point 2	Established history (12+ yrs).	Established history (16+ yrs).	Established history (17+ yrs).	Established history (23+ yrs).	Established history (19+ yrs).	Established history (19+ yrs).	Established history (24+ yrs).	Oldest track record among peers (28 yrs).	Established history (22+ yrs).	Established history (22+ yrs).
Point 3	Top 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 4	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Low.	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderately High.	Risk profile: Low.
Point 5	1Y return: 5.47% (upper mid).	1Y return: 2.99% (lower mid).	1Y return: 6.23% (top quartile).	1Y return: 5.79% (upper mid).	1Y return: 5.61% (upper mid).	1Y return: 3.78% (lower mid).	1Y return: 2.72% (bottom quartile).	1Y return: 2.11% (bottom quartile).	5Y return: 6.03% (bottom quartile).	1Y return: 6.39% (top quartile).
Point 6	1M return: 0.27% (upper mid).	1M return: -0.64% (bottom quartile).	1M return: 0.31% (top quartile).	1M return: 0.30% (upper mid).	1M return: 0.14% (upper mid).	1M return: -0.22% (lower mid).	1M return: -1.15% (bottom quartile).	1M return: -0.56% (bottom quartile).	3Y return: 6.80% (upper mid).	1M return: 0.45% (top quartile).
Point 7	Sharpe: 0.22 (upper mid).	Sharpe: -0.63 (bottom quartile).	Sharpe: 1.00 (top quartile).	Sharpe: 0.65 (upper mid).	Sharpe: 0.53 (upper mid).	Sharpe: -0.47 (lower mid).	Sharpe: -0.38 (lower mid).	Sharpe: -0.85 (bottom quartile).	1Y return: -1.42% (bottom quartile).	Sharpe: 3.12 (top 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 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	1M return: -0.54% (lower mid).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 6.94% (bottom quartile).	Yield to maturity (debt): 7.79% (top quartile).	Yield to maturity (debt): 6.98% (bottom quartile).	Yield to maturity (debt): 7.29% (lower mid).	Yield to maturity (debt): 7.36% (lower mid).	Yield to maturity (debt): 7.58% (upper mid).	Yield to maturity (debt): 7.38% (upper mid).	Yield to maturity (debt): 8.25% (top quartile).	Alpha: 0.00 (bottom quartile).	Yield to maturity (debt): 6.39% (bottom quartile).
Point 10	Modified duration: 0.43 yrs (upper mid).	Modified duration: 6.09 yrs (bottom quartile).	Modified duration: 0.38 yrs (top quartile).	Modified duration: 0.44 yrs (upper mid).	Modified duration: 0.86 yrs (upper mid).	Modified duration: 2.07 yrs (lower mid).	Modified duration: 9.16 yrs (bottom quartile).	Modified duration: 4.47 yrs (lower mid).	Sharpe: -0.74 (bottom quartile).	Modified duration: 0.14 yrs (top quartile).

UTI Banking & PSU Debt Fund

Lower mid AUM (₹1,448 Cr).
Established history (12+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 5.47% (upper mid).
1M return: 0.27% (upper mid).
Sharpe: 0.22 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.94% (bottom quartile).
Modified duration: 0.43 yrs (upper mid).

UTI Dynamic Bond Fund

Bottom quartile AUM (₹396 Cr).
Established history (16+ yrs).
Rating: 5★ (top quartile).
Risk profile: Moderate.
1Y return: 2.99% (lower mid).
1M return: -0.64% (bottom quartile).
Sharpe: -0.63 (bottom quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.79% (top quartile).
Modified duration: 6.09 yrs (bottom quartile).

UTI Money Market Fund

Top quartile AUM (₹16,039 Cr).
Established history (17+ yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 6.23% (top quartile).
1M return: 0.31% (top quartile).
Sharpe: 1.00 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.98% (bottom quartile).
Modified duration: 0.38 yrs (top quartile).

UTI Ultra Short Term Fund

Upper mid AUM (₹3,017 Cr).
Established history (23+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately Low.
1Y return: 5.79% (upper mid).
1M return: 0.30% (upper mid).
Sharpe: 0.65 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.29% (lower mid).
Modified duration: 0.44 yrs (upper mid).

UTI Treasury Advantage Fund

Upper mid AUM (₹2,604 Cr).
Established history (19+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately Low.
1Y return: 5.61% (upper mid).
1M return: 0.14% (upper mid).
Sharpe: 0.53 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.36% (lower mid).
Modified duration: 0.86 yrs (upper mid).

UTI Short Term Income Fund

Upper mid AUM (₹1,770 Cr).
Established history (19+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderate.
1Y return: 3.78% (lower mid).
1M return: -0.22% (lower mid).
Sharpe: -0.47 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.58% (upper mid).
Modified duration: 2.07 yrs (lower mid).

UTI Gilt Fund

Bottom quartile AUM (₹415 Cr).
Established history (24+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderate.
1Y return: 2.72% (bottom quartile).
1M return: -1.15% (bottom quartile).
Sharpe: -0.38 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.38% (upper mid).
Modified duration: 9.16 yrs (bottom quartile).

UTI Bond Fund

Bottom quartile AUM (₹303 Cr).
Oldest track record among peers (28 yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderate.
1Y return: 2.11% (bottom quartile).
1M return: -0.56% (bottom quartile).
Sharpe: -0.85 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 8.25% (top quartile).
Modified duration: 4.47 yrs (lower mid).

UTI Regular Savings Fund

Lower mid AUM (₹1,602 Cr).
Established history (22+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 6.03% (bottom quartile).
3Y return: 6.80% (upper mid).
1Y return: -1.42% (bottom quartile).
1M return: -0.54% (lower mid).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.74 (bottom quartile).

UTI Liquid Cash Plan

Highest AUM (₹27,453 Cr).
Established history (22+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 6.39% (top quartile).
1M return: 0.45% (top quartile).
Sharpe: 3.12 (top quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.39% (bottom quartile).
Modified duration: 0.14 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 (₹1,448 Cr).
Established history (12+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 5.47% (upper mid).
1M return: 0.27% (upper mid).
Sharpe: 0.22 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.94% (bottom quartile).
Modified duration: 0.43 yrs (upper mid).
Average maturity: 0.45 yrs (upper mid).
Exit load: NIL.
Higher exposure to Corporate (bond sector) vs peer median.
Conservative stance with elevated cash (~53%).
High-quality debt (AAA/AA ~100%).
Largest holding ICICI Bank Ltd. (~5.0%).

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

UTI Banking & PSU Debt Fund Growth
Launch Date	3 Feb 14
NAV (30 Oct 26)	₹23.6629 ↑ 0.00 (0.01 %)
Net Assets (Cr)	₹1,448 on 30 Sep 26
Category	Debt - Banking & PSU Debt
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆☆
Risk	Moderate
Expense Ratio	0.54
Sharpe Ratio	0.22
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.94%
Effective Maturity	5 Months 12 Days
Modified Duration	5 Months 5 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 21	₹10,000
31 Oct 22	₹10,935
31 Oct 23	₹11,665
31 Oct 24	₹12,603
31 Oct 25	₹13,622
31 Oct 26	₹14,364

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 30 Oct 26

Duration	Returns
1 Month	0.3%
3 Month	1.3%
6 Month	3.1%
1 Year	5.5%
3 Year	7.2%
5 Year	7.5%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	7.8%
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%

Fund Manager information for UTI Banking & PSU Debt Fund

Name	Since	Tenure
Anurag Mittal	1 Dec 21	4.84 Yr.

Data below for UTI Banking & PSU Debt Fund as on 30 Sep 26

Asset Allocation

Asset Class	Value
Cash	53.05%
Debt	46.68%
Other	0.26%

Debt Sector Allocation

Sector	Value
Corporate	68.58%
Government	19.28%
Cash Equivalent	11.87%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd. Debentures \| -	5%	₹73 Cr	750,000,000
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹55 Cr	5,500
Axis Bank Limited Debentures \| -	4%	₹55 Cr	550
7.38% Govt Stock 2027 Sovereign Bonds \| -	3%	₹50 Cr	500,000,000
7.61% Tamilnadu SDL 2027 Sovereign Bonds \| -	3%	₹50 Cr	500,000,000
Aditya Birla Housing Finance Limited Debentures \| -	3%	₹40 Cr	4,000
Indian Railway Finance Corporation Limited Debentures \| -	2%	₹30 Cr	300
Bharti Telecom Limited Debentures \| -	2%	₹25 Cr	2,500
Aditya Birla Housing Finance Limited Debentures \| -	2%	₹25 Cr	2,500
Power Finance Corporation Limited Debentures \| -	2%	₹25 Cr	250

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 (₹396 Cr).
Established history (16+ yrs).
Rating: 5★ (top quartile).
Risk profile: Moderate.
1Y return: 2.99% (lower mid).
1M return: -0.64% (bottom quartile).
Sharpe: -0.63 (bottom quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.79% (top quartile).
Modified duration: 6.09 yrs (bottom quartile).
Average maturity: 18.26 yrs (bottom quartile).
Exit load: NIL.
Higher exposure to Government (bond sector) vs peer median.
Debt-heavy allocation (~92%).
High-quality debt (AAA/AA ~100%).
Largest holding 6.9% Govt Stock 2065 (~31.7%).
Top-3 holdings concentration ~50.7%.

Below is the key information for UTI Dynamic Bond Fund

UTI Dynamic Bond Fund Growth
Launch Date	16 Jun 10
NAV (30 Oct 26)	₹32.2237 ↓ -0.02 (-0.07 %)
Net Assets (Cr)	₹396 on 30 Sep 26
Category	Debt - Dynamic Bond
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆☆
Risk	Moderate
Expense Ratio	1.55
Sharpe Ratio	-0.63
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.79%
Effective Maturity	18 Years 3 Months 4 Days
Modified Duration	6 Years 1 Month 2 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 21	₹10,000
31 Oct 22	₹10,907
31 Oct 23	₹11,500
31 Oct 24	₹12,581
31 Oct 25	₹13,398
31 Oct 26	₹13,785

UTI Dynamic Bond 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 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 30 Oct 26

Duration	Returns
1 Month	-0.6%
3 Month	-0.5%
6 Month	1.1%
1 Year	3%
3 Year	6.3%
5 Year	6.6%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6%
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%

Fund Manager information for UTI Dynamic Bond Fund

Name	Since	Tenure
Pankaj Pathak	8 Apr 25	1.48 Yr.

Data below for UTI Dynamic Bond Fund as on 30 Sep 26

Asset Allocation

Asset Class	Value
Cash	7.31%
Debt	92.3%
Other	0.39%

Debt Sector Allocation

Sector	Value
Government	50.17%
Corporate	42.14%
Cash Equivalent	7.31%

Credit Quality

Rating	Value
AA	22.1%
AAA	77.9%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.9% Govt Stock 2065 Sovereign Bonds \| -	32%	₹124 Cr	1,400,000,000 ↑ 150,000,000
7.71% Govt Stock 2066 Sovereign Bonds \| -	13%	₹49 Cr	500,000,000
Bharti Telecom Limited Debentures \| -	6%	₹25 Cr	2,500
Mahindra Rural Housing Finance Limited Debentures \| -	6%	₹25 Cr	2,500
Jamnagar Utilities & Power Private Limited Debentures \| -	6%	₹25 Cr	2,500
Can Fin Homes Limited Debentures \| -	5%	₹20 Cr	2,000
Cholamandalam Investment And Finance Company Limited Debentures \| -	5%	₹20 Cr	2,000
Torrent Pharmaceuticals Ltd Debentures \| -	5%	₹20 Cr	2,000
7.24% Govt Stock 2055 Sovereign Bonds \| -	4%	₹14 Cr	150,000,000
Mankind Pharma Limited Debentures \| -	3%	₹10 Cr	1,000 ↑ 1,000

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 (₹16,039 Cr).
Established history (17+ yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 6.23% (top quartile).
1M return: 0.31% (top quartile).
Sharpe: 1.00 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.98% (bottom quartile).
Modified duration: 0.38 yrs (top quartile).
Average maturity: 0.38 yrs (top quartile).
Exit load: NIL.
Top sector: Real Estate.
Top bond sector: Corporate.
Conservative stance with elevated cash (~87%).
High-quality debt (AAA/AA ~100%).
Largest holding India (Republic of) (~2.8%).

Below is the key information for UTI Money Market Fund

UTI Money Market Fund Growth
Launch Date	13 Jul 09
NAV (30 Oct 26)	₹3,350.54 ↑ 0.51 (0.02 %)
Net Assets (Cr)	₹16,039 on 30 Sep 26
Category	Debt - Money Market
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.25
Sharpe Ratio	1
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.98%
Effective Maturity	4 Months 16 Days
Modified Duration	4 Months 16 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 21	₹10,000
31 Oct 22	₹10,438
31 Oct 23	₹11,216
31 Oct 24	₹12,081
31 Oct 25	₹13,008
31 Oct 26	₹13,816

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 30 Oct 26

Duration	Returns
1 Month	0.3%
3 Month	1.5%
6 Month	3.3%
1 Year	6.2%
3 Year	7.2%
5 Year	6.7%
10 Year
15 Year
Since launch	7.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	7.5%
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%

Fund Manager information for UTI Money Market Fund

Name	Since	Tenure
Anurag Mittal	1 Dec 21	4.84 Yr.
Amit Sharma	7 Jul 17	9.24 Yr.

Data below for UTI Money Market Fund as on 30 Sep 26

Asset Allocation

Asset Class	Value
Cash	86.9%
Debt	12.77%
Other	0.33%

Debt Sector Allocation

Sector	Value
Corporate	45.07%
Cash Equivalent	38.45%
Government	16.15%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
India (Republic of) - \| -	3%	₹491 Cr	5,000,000,000
India (Republic of) - \| -	2%	₹343 Cr	3,500,000,000
UCO Bank Domestic Bonds \| -	1%	₹238 Cr	2,500,000,000
HDFC Bank Ltd. Debentures \| -	1%	₹195 Cr	2,000,000,000
Indian Overseas Bank Debentures \| -	1%	₹195 Cr	2,000,000,000
Punjab & Sind Bank Debentures \| -	1%	₹170 Cr	1,750,000,000
AU Small Finance Bank Ltd. Debentures \| -	1%	₹140 Cr	1,500,000,000
Axis Bank Ltd. Debentures \| -	1%	₹98 Cr	1,000,000,000
Ujjivan Small Finance Bank Limited Debentures \| -	1%	₹97 Cr	1,000,000,000
Axis Bank Ltd. Debentures \| -	1%	₹97 Cr	1,000,000,000

4. 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 (₹3,017 Cr).
Established history (23+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately Low.
1Y return: 5.79% (upper mid).
1M return: 0.30% (upper mid).
Sharpe: 0.65 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.29% (lower mid).
Modified duration: 0.44 yrs (upper mid).
Average maturity: 0.54 yrs (upper mid).
Exit load: NIL.
Higher exposure to Financial Services vs peer median.
Higher exposure to Corporate (bond sector) vs peer median.
Conservative stance with elevated cash (~56%).
High-quality debt (AAA/AA ~100%).
Largest holding 26/11/2026 Maturing 364 DTB (~6.5%).

Below is the key information for UTI Ultra Short Term Fund

UTI Ultra Short Term Fund Growth
Launch Date	29 Aug 03
NAV (30 Oct 26)	₹4,572.99 ↑ 0.95 (0.02 %)
Net Assets (Cr)	₹3,017 on 30 Sep 26
Category	Debt - Ultrashort Bond
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.93
Sharpe Ratio	0.65
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.29%
Effective Maturity	6 Months 15 Days
Modified Duration	5 Months 10 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 21	₹10,000
31 Oct 22	₹10,368
31 Oct 23	₹11,067
31 Oct 24	₹11,863
31 Oct 25	₹12,674
31 Oct 26	₹13,406

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 30 Oct 26

Duration	Returns
1 Month	0.3%
3 Month	1.3%
6 Month	3%
1 Year	5.8%
3 Year	6.6%
5 Year	6%
10 Year
15 Year
Since launch	6.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.6%
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%

Fund Manager information for UTI Ultra Short Term Fund

Name	Since	Tenure
Anurag Mittal	21 Jul 26	0.2 Yr.

Data below for UTI Ultra Short Term Fund as on 30 Sep 26

Asset Allocation

Asset Class	Value
Cash	55.99%
Debt	43.58%
Other	0.43%

Debt Sector Allocation

Sector	Value
Corporate	66.98%
Cash Equivalent	17.94%
Government	14.64%

Credit Quality

Rating	Value
AA	27.68%
AAA	72.32%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
26/11/2026 Maturing 364 DTB Sovereign Bonds \| -	6%	₹199 Cr	2,000,000,000
HDFC Bank Ltd. Debentures \| -	5%	₹147 Cr	1,500,000,000
Axis Bank Ltd. Debentures \| -	5%	₹146 Cr	1,500,000,000
Godrej Properties Limited Debentures \| -	3%	₹90 Cr	9,000
Nuvama Wealth Finance Limited Debentures \| -	2%	₹75 Cr	7,500
360 One Prime Limited Debentures \| -	2%	₹75 Cr	7,500
Poonawalla Fincorp Limited Debentures \| -	2%	₹75 Cr	7,500
Ujjivan Small Finance Bank Limited Debentures \| -	2%	₹74 Cr	750,000,000
Aditya Birla Renewables Limited Debentures \| -	2%	₹65 Cr	6,500
Piramal Finance Limited Debentures \| -	2%	₹60 Cr	6,000

5. UTI Treasury Advantage Fund

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

Research Highlights for UTI Treasury Advantage Fund

Upper mid AUM (₹2,604 Cr).
Established history (19+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately Low.
1Y return: 5.61% (upper mid).
1M return: 0.14% (upper mid).
Sharpe: 0.53 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.36% (lower mid).
Modified duration: 0.86 yrs (upper mid).
Average maturity: 0.96 yrs (upper mid).
Exit load: NIL.
Higher exposure to Corporate (bond sector) vs peer median.
Debt-heavy allocation (~65%).
High-quality debt (AAA/AA ~100%).
Largest holding Tbill (~7.7%).

Below is the key information for UTI Treasury Advantage Fund

UTI Treasury Advantage Fund Growth
Launch Date	23 Apr 07
NAV (30 Oct 26)	₹3,833.49 ↑ 0.87 (0.02 %)
Net Assets (Cr)	₹2,604 on 30 Sep 26
Category	Debt - Low Duration
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.45
Sharpe Ratio	0.53
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.36%
Effective Maturity	11 Months 16 Days
Modified Duration	10 Months 10 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 21	₹10,000
31 Oct 22	₹10,392
31 Oct 23	₹11,123
31 Oct 24	₹11,985
31 Oct 25	₹12,912
31 Oct 26	₹13,633

UTI Treasury Advantage 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 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 30 Oct 26

Duration	Returns
1 Month	0.1%
3 Month	1.1%
6 Month	2.9%
1 Year	5.6%
3 Year	7%
5 Year	6.4%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	7.5%
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%

Fund Manager information for UTI Treasury Advantage Fund

Name	Since	Tenure
Anurag Mittal	1 Dec 21	4.84 Yr.

Data below for UTI Treasury Advantage Fund as on 30 Sep 26

Asset Allocation

Asset Class	Value
Cash	34.19%
Debt	65.42%
Other	0.38%

Debt Sector Allocation

Sector	Value
Corporate	68.03%
Cash Equivalent	20.99%
Government	10.59%

Credit Quality

Rating	Value
AA	16.3%
AAA	83.7%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Tbill Sovereign Bonds \| -	8%	₹198 Cr	2,000,000,000
Rec Limited Debentures \| -	5%	₹140 Cr	14,000
National Bank For Agriculture And Rural Development Debentures \| -	5%	₹125 Cr	12,500
Mahindra Rural Housing Finance Limited Debentures \| -	4%	₹100 Cr	10,000
Summit Digitel Infrastructure Limited Debentures \| -	4%	₹99 Cr	1,000
Embassy Office Parks Reit Debentures \| -	4%	₹95 Cr	950 ↑ 950
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹74 Cr	7,500
Ncd Vedanta Ltd Debentures \| -	3%	₹70 Cr	7,000
RADHAKRISHNA SECURITISATION TRUST Unlisted bonds \| -	2%	₹52 Cr	55
360 One Prime Limited Debentures \| -	2%	₹50 Cr	500,000

6. 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 (₹1,770 Cr).
Established history (19+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderate.
1Y return: 3.78% (lower mid).
1M return: -0.22% (lower mid).
Sharpe: -0.47 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.58% (upper mid).
Modified duration: 2.07 yrs (lower mid).
Average maturity: 2.55 yrs (lower mid).
Exit load: NIL.
Top bond sector: Corporate.
Debt-heavy allocation (~77%).
High-quality debt (AAA/AA ~100%).
Largest holding Export Import Bank Of India (~7.0%).

Below is the key information for UTI Short Term Income Fund

UTI Short Term Income Fund Growth
Launch Date	19 Sep 07
NAV (30 Oct 26)	₹33.6277 ↑ 0.01 (0.02 %)
Net Assets (Cr)	₹1,770 on 30 Sep 26
Category	Debt - Short term Bond
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	0.85
Sharpe Ratio	-0.48
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.58%
Effective Maturity	2 Years 6 Months 18 Days
Modified Duration	2 Years 25 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 21	₹10,000
31 Oct 22	₹10,304
31 Oct 23	₹10,991
31 Oct 24	₹11,895
31 Oct 25	₹12,822
31 Oct 26	₹13,304

UTI Short Term Income 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 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 30 Oct 26

Duration	Returns
1 Month	-0.2%
3 Month	0%
6 Month	2.1%
1 Year	3.8%
3 Year	6.6%
5 Year	5.9%
10 Year
15 Year
Since launch	6.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	7.3%
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%

Fund Manager information for UTI Short Term Income Fund

Name	Since	Tenure
Anurag Mittal	21 Jul 26	0.2 Yr.

Data below for UTI Short Term Income Fund as on 30 Sep 26

Asset Allocation

Asset Class	Value
Cash	22.13%
Debt	77.33%
Other	0.53%

Debt Sector Allocation

Sector	Value
Corporate	59.52%
Government	23.49%
Cash Equivalent	16.46%

Credit Quality

Rating	Value
AA	16.69%
AAA	83.31%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Export Import Bank Of India Debentures \| -	7%	₹122 Cr	12,500
Vedanta Limited Debentures \| -	6%	₹98 Cr	9,800
Poonawalla Fincorp Limited Debentures \| -	4%	₹75 Cr	7,500
LIC Housing Finance Ltd Debentures \| -	4%	₹75 Cr	7,500
360 One Prime Limited Debentures \| -	4%	₹74 Cr	7,500
Small Industries Development Bank Of India Debentures \| -	4%	₹74 Cr	7,500
LIC Housing Finance Ltd Debentures \| -	3%	₹51 Cr	500
Rec Limited Debentures \| -	3%	₹50 Cr	500
Bajaj Housing Finance Limited Debentures \| -	3%	₹50 Cr	5,000
Indian Railway Finance Corporation Limited Debentures \| -	3%	₹50 Cr	5,000

7. 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 (₹415 Cr).
Established history (24+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderate.
1Y return: 2.72% (bottom quartile).
1M return: -1.15% (bottom quartile).
Sharpe: -0.38 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.38% (upper mid).
Modified duration: 9.16 yrs (bottom quartile).
Average maturity: 28.52 yrs (bottom quartile).
Exit load: NIL.
Higher exposure to Government (bond sector) vs peer median.
Debt-heavy allocation (~94%).
High-quality debt (AAA/AA ~100%).
Largest holding 6.9% Govt Stock 2065 (~59.3%).
Top-3 holdings concentration ~80.4%.

Below is the key information for UTI Gilt Fund

UTI Gilt Fund Growth
Launch Date	21 Jan 02
NAV (30 Oct 26)	₹64.7303 ↓ -0.09 (-0.14 %)
Net Assets (Cr)	₹415 on 30 Sep 26
Category	Debt - Government Bond
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	0.92
Sharpe Ratio	-0.38
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.38%
Effective Maturity	28 Years 6 Months 7 Days
Modified Duration	9 Years 1 Month 28 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 21	₹10,000
31 Oct 22	₹10,174
31 Oct 23	₹10,781
31 Oct 24	₹11,861
31 Oct 25	₹12,508
31 Oct 26	₹12,831

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 30 Oct 26

Duration	Returns
1 Month	-1.1%
3 Month	-1.6%
6 Month	0%
1 Year	2.7%
3 Year	6%
5 Year	5.1%
10 Year
15 Year
Since launch	7.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	5.1%
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%

Fund Manager information for UTI Gilt Fund

Name	Since	Tenure
Pankaj Pathak	8 Apr 25	1.48 Yr.

Data below for UTI Gilt Fund as on 30 Sep 26

Asset Allocation

Asset Class	Value
Cash	6.15%
Debt	93.85%

Debt Sector Allocation

Sector	Value
Government	93.85%
Cash Equivalent	6.15%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.9% Govt Stock 2065 Sovereign Bonds \| -	59%	₹243 Cr	2,750,000,000 ↑ 350,000,000
7.71% Govt Stock 2066 Sovereign Bonds \| -	12%	₹49 Cr	500,000,000
7.24% Govt Stock 2055 Sovereign Bonds \| -	9%	₹37 Cr	400,000,000
6.79% Govt Stock 2027 Sovereign Bonds \| -	6%	₹25 Cr	250,000,000
7.18% Tamilnadu SDL 2027 Sovereign Bonds \| -	4%	₹15 Cr	150,000,000
7.3% Uttarakhand Sgs 2032 Sovereign Bonds \| -	2%	₹8 Cr	85,730,000
7.77% Andhra Sdl 2028 Sovereign Bonds \| -	1%	₹5 Cr	50,000,000
Day Tbill Sovereign Bonds \| -	0%	₹2 Cr	16,050,000
Net Current Assets Net Current Assets \| -	6%	₹24 Cr
Clearing Corporation Of India Ltd. Std - Margin CBLO/Reverse Repo \| -	0%	₹1 Cr	00

8. 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 (₹303 Cr).
Oldest track record among peers (28 yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderate.
1Y return: 2.11% (bottom quartile).
1M return: -0.56% (bottom quartile).
Sharpe: -0.85 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 8.25% (top quartile).
Modified duration: 4.47 yrs (lower mid).
Average maturity: 8.83 yrs (lower mid).
Exit load: NIL.
Top sector: Financial Services.
Top bond sector: Corporate.
Debt-heavy allocation (~96%).
High-quality debt (AAA/AA ~100%).
Largest holding 6.9% Govt Stock 2065 (~8.8%).

Below is the key information for UTI Bond Fund

UTI Bond Fund Growth
Launch Date	4 May 98
NAV (30 Oct 26)	₹75.5435 ↑ 0.00 (0.00 %)
Net Assets (Cr)	₹303 on 30 Sep 26
Category	Debt - Medium to Long term
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.62
Sharpe Ratio	-0.85
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	8.25%
Effective Maturity	8 Years 9 Months 29 Days
Modified Duration	4 Years 5 Months 19 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 21	₹10,000
31 Oct 22	₹10,838
31 Oct 23	₹11,497
31 Oct 24	₹12,564
31 Oct 25	₹13,357
31 Oct 26	₹13,625

UTI Bond 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 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 30 Oct 26

Duration	Returns
1 Month	-0.6%
3 Month	-0.8%
6 Month	1.5%
1 Year	2.1%
3 Year	5.8%
5 Year	6.4%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	5.6%
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%

Fund Manager information for UTI Bond Fund

Name	Since	Tenure
Amit Sharma	3 Nov 25	0.91 Yr.

Data below for UTI Bond Fund as on 30 Sep 26

Asset Allocation

Asset Class	Value
Cash	3.2%
Debt	96.47%
Other	0.33%

Debt Sector Allocation

Sector	Value
Corporate	60.74%
Government	35.73%
Cash Equivalent	3.2%

Credit Quality

Rating	Value
AA	30.52%
AAA	69.48%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.9% Govt Stock 2065 Sovereign Bonds \| -	9%	₹27 Cr	300,000,000
Summit Digitel Infrastructure Limited Debentures \| -	8%	₹25 Cr	250
Bajaj Housing Finance Limited Debentures \| -	8%	₹25 Cr	2,500
7.08% Andhra Sgs 2037 Sovereign Bonds \| -	8%	₹23 Cr	250,000,000
SIDDHIVINAYAK SECURITISATION TRUST Unlisted bonds \| -	6%	₹19 Cr	20
Jtpm Metal TRaders Limited Debentures \| -	6%	₹17 Cr	1,600
Piramal Finance Limited Debentures \| -	5%	₹15 Cr	1,500
Aditya Birla Renewables Limited Debentures \| -	5%	₹15 Cr	1,500
Muthoot Finance Limited Debentures \| -	5%	₹15 Cr	1,500
Torrent Pharmaceuticals Ltd Debentures \| -	5%	₹15 Cr	1,500

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 (₹1,602 Cr).
Established history (22+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 6.03% (bottom quartile).
3Y return: 6.80% (upper mid).
1Y return: -1.42% (bottom quartile).
1M return: -0.54% (lower mid).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.74 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Top sector: Financial Services.
Top bond sector: Corporate.
Debt-heavy allocation (~66%).
High-quality debt (AAA/AA ~100%).
Largest holding 6.9% Govt Stock 2065 (~7.0%).

Below is the key information for UTI Regular Savings Fund

UTI Regular Savings Fund Growth
Launch Date	16 Dec 03
NAV (30 Oct 26)	₹69.387 ↓ -0.05 (-0.07 %)
Net Assets (Cr)	₹1,602 on 30 Sep 26
Category	Hybrid - Hybrid Debt
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	1.81
Sharpe Ratio	-0.74
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 Oct 21	₹10,000
31 Oct 22	₹10,245
31 Oct 23	₹10,999
31 Oct 24	₹12,829
31 Oct 25	₹13,574
31 Oct 26	₹13,403

UTI Regular Savings Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹357,992.
Net Profit of ₹57,992 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 30 Oct 26

Duration	Returns
1 Month	-0.5%
3 Month	-2.3%
6 Month	0.1%
1 Year	-1.4%
3 Year	6.8%
5 Year	6%
10 Year
15 Year
Since launch	8.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.1%
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%

Fund Manager information for UTI Regular Savings Fund

Name	Since	Tenure
Amit Premchandani	8 Jan 22	4.73 Yr.
Jaydeep Bhowal	17 Apr 23	3.46 Yr.

Data below for UTI Regular Savings Fund as on 30 Sep 26

Asset Allocation

Asset Class	Value
Cash	9.23%
Equity	24.14%
Debt	66.32%
Other	0.32%

Equity Sector Allocation

Sector	Value
Financial Services	7.67%
Consumer Cyclical	3.14%
Health Care	2.17%
Industrials	2.04%
Technology	2.02%
Communication Services	1.62%
Energy	1.44%
Real Estate	1.12%
Basic Materials	1.01%
Consumer Defensive	1%
Utility	0.91%

Debt Sector Allocation

Sector	Value
Corporate	36.39%
Government	29.93%
Cash Equivalent	9.23%

Credit Quality

Rating	Value
AA	8.76%
AAA	91.24%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.9% Govt Stock 2065 Sovereign Bonds \| -	7%	₹112 Cr	1,251,250,000 ↑ 100,000,000
National Bank For Agriculture And Rural Development Debentures \| -	5%	₹74 Cr	7,500
7.24% Govt Stock 2055 Sovereign Bonds \| -	4%	₹62 Cr	654,100,000 ↑ 200,000,000
Rec Limited Debentures \| -	3%	₹50 Cr	5,000
LIC Housing Finance Ltd Debentures \| -	3%	₹49 Cr	5,000
Jio Credit Limited Debentures \| -	3%	₹49 Cr	5,000
SIDDHIVINAYAK SECURITISATION TRUST Unlisted bonds \| -	3%	₹48 Cr	50
7.34% Govt Stock 2064 Sovereign Bonds \| -	3%	₹48 Cr	500,000,000
6.94% Govt Stock 2036 Sovereign Bonds \| -	2%	₹34 Cr	350,000,000 ↑ 250,000,000
HDFC Bank Ltd (Financial Services) Equity, Since 30 Apr 12 \| HDFCBANK	2%	₹31 Cr	440,000

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 (₹27,453 Cr).
Established history (22+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 6.39% (top quartile).
1M return: 0.45% (top quartile).
Sharpe: 3.12 (top quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.39% (bottom quartile).
Modified duration: 0.14 yrs (top quartile).
Average maturity: 0.14 yrs (top quartile).
Exit load: NIL.
Higher exposure to Real Estate vs peer median.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Conservative stance with elevated cash (~100%).
High-quality debt (AAA/AA ~100%).
Largest holding Net Current Assets (~21.9%).

Below is the key information for UTI Liquid Cash Plan

UTI Liquid Cash Plan Growth
Launch Date	11 Dec 03
NAV (30 Oct 26)	₹464.428 ↑ 0.10 (0.02 %)
Net Assets (Cr)	₹27,453 on 30 Sep 26
Category	Debt - Liquid Fund
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆
Risk	Low
Expense Ratio	0.25
Sharpe Ratio	3.12
Information Ratio	0
Alpha Ratio	0
Min Investment	500
Min SIP Investment	1,500
Exit Load	NIL
Yield to Maturity	6.39%
Effective Maturity	1 Month 19 Days
Modified Duration	1 Month 19 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 21	₹10,000
31 Oct 22	₹10,431
31 Oct 23	₹11,155
31 Oct 24	₹11,977
31 Oct 25	₹12,780
31 Oct 26	₹13,597

UTI Liquid Cash Plan 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 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 30 Oct 26

Duration	Returns
1 Month	0.5%
3 Month	1.5%
6 Month	3.1%
1 Year	6.4%
3 Year	6.8%
5 Year	6.3%
10 Year
15 Year
Since launch	6.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.5%
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%

Fund Manager information for UTI Liquid Cash Plan

Name	Since	Tenure
Amit Sharma	7 Jul 17	9.24 Yr.

Data below for UTI Liquid Cash Plan as on 30 Sep 26

Asset Allocation

Asset Class	Value
Cash	99.78%
Other	0.22%

Debt Sector Allocation

Sector	Value
Cash Equivalent	81.55%
Corporate	13.78%
Government	4.45%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Net Current Assets Net Current Assets \| -	22%	₹7,977 Cr
Uco Bank Certificate of Deposit \| -	3%	₹947 Cr	9,500,000,000
Union Bank Of India Certificate of Deposit \| -	2%	₹867 Cr	8,750,000,000 ↑ 5,000,000,000
National Bank for Agriculture and Rural Development Commercial Paper \| -	2%	₹745 Cr	7,500,000,000
Cp Small Industries Development Bank Of India Net Current Assets \| -	2%	₹694 Cr	7,000,000,000
HDFC Bank Limited Certificate of Deposit \| -	2%	₹644 Cr	6,500,000,000 ↑ 6,500,000,000
National Bank For Agriculture And Rural Development Commercial Paper \| -	2%	₹598 Cr	6,000,000,000
India (Republic of) - \| -	2%	₹546 Cr	5,500,000,000
Bank Of India Certificate of Deposit \| -	1%	₹545 Cr	5,500,000,000 ↑ 5,500,000,000
India (Republic of) - \| -	1%	₹500 Cr	5,000,000,000 ↑ 5,000,000,000

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