യുഎസ്എ/കാനഡ ആസ്ഥാനമായുള്ള എൻആർഐകൾക്ക് ഇന്ത്യയിൽ നിക്ഷേപം നടത്താൻ അനുവദിക്കുന്ന മ്യൂച്വൽ ഫണ്ട് ഹൗസുകൾ

Updated on October 15, 2025 , 45762 views

യുഎസ്എയിലും കാനഡയിലും ആസ്ഥാനമായുള്ള എൻആർഐകൾക്ക് ചിലതിൽ മാത്രമേ നിക്ഷേപിക്കാൻ കഴിയൂമ്യൂച്വൽ ഫണ്ട് ഹൗസുകൾ ഇന്ത്യയിൽ. നിരവധി എഎംസികൾ (അസറ്റ് മാനേജ്മെന്റ് കമ്പനികൾ) ഇന്ത്യയിൽ ഇതുവരെ യുഎസ്എയിലോ കാനഡയിലോ ഉള്ള എൻആർഐകളിൽ നിന്ന് നിക്ഷേപം അനുവദിച്ചിട്ടില്ല. കാരണം, യുഎസ്എ നടപ്പിലാക്കിയ ഫോറിൻ അക്കൗണ്ട് ടാക്സ് കംപ്ലയൻസ് ആക്ട് (FATCA). എന്നിരുന്നാലും, ഒരു എൻആർഐക്ക് പണം നിക്ഷേപിക്കാൻ ആസൂത്രണം ചെയ്യാൻ കഴിയുന്ന ചില പ്രമുഖ എഎംസികളുണ്ട്. ഒരു NRI-ക്കുള്ള KYC പ്രക്രിയയും ഇവിടെ നോക്കാംമ്യൂച്വൽ ഫണ്ടുകളിൽ നിക്ഷേപിക്കുക ഇന്ത്യയിൽ, NRE, NRO, FCNR അക്കൗണ്ടുകൾക്കൊപ്പംമികച്ച പ്രകടനം നടത്തുന്ന മ്യൂച്വൽ ഫണ്ടുകൾ നല്ല ലാഭം നേടുന്നതിനായി നിക്ഷേപിക്കാൻ.

കാനഡ/യുഎസ്എ എൻആർഐകളിൽ നിന്ന് നിക്ഷേപം സ്വീകരിക്കുന്ന എഎംസികൾ

FATCA നിലവിൽ വന്ന കാലം മുതൽ, പല AMC-കളും യുഎസിലും കാനഡയിലും ഉള്ള NRI കളിൽ നിന്ന് നിക്ഷേപം സ്വീകരിക്കുന്നത് നിർത്തി, കാരണം AMC-കളുടെ ഭാഗത്തുനിന്ന് ധാരാളം പേപ്പർ വർക്കുകളും പാലിക്കലും ഉൾപ്പെടുന്നു.

പ്രവാസി ഇന്ത്യക്കാർ (എൻആർഐകൾ) ഉൾപ്പെടെയുള്ള യുഎസ് പൗരന്മാർ ഉൾപ്പെടുന്ന ഇടപാടുകളുടെ വിശദാംശങ്ങൾ യുഎസ് ഗവൺമെന്റുമായി പങ്കിടാൻ എല്ലാ ധനകാര്യ സ്ഥാപനങ്ങൾക്കും ഫോറിൻ അക്കൗണ്ട് ടാക്സ് കംപ്ലയൻസ് ആക്റ്റ് നിർബന്ധമാണ്. യുഎസ് പൗരന്മാരിൽ നിന്ന് നികുതി വെട്ടിപ്പ് നടക്കുന്നില്ലെന്ന് ഉറപ്പാക്കാനാണിത്വരുമാനം വിദേശത്ത് സൃഷ്ടിച്ചത്. 2015-ൽ, FATCA നടപ്പിലാക്കുന്നതിനും അന്താരാഷ്ട്ര നികുതി പാലിക്കൽ മെച്ചപ്പെടുത്തുന്നതിനുമായി ഇന്ത്യ യുണൈറ്റഡ് സ്റ്റേറ്റ് ഓഫ് അമേരിക്കയുമായി ഇന്റർ-ഗവൺമെന്റൽ കരാർ (IGA) ഒപ്പുവച്ചു.

FATCA-യുടെ കീഴിൽ, മ്യൂച്വൽ ഫണ്ട് ഹൗസുകൾ പോലെയുള്ള എല്ലാ സാമ്പത്തിക സ്ഥാപനങ്ങളും,ഇൻഷുറൻസ് കമ്പനികൾ, ബാങ്കുകൾ അവരുടെ ക്ലയന്റ് വിവരങ്ങൾ ഇന്ത്യാ ഗവൺമെന്റിന് നൽകണം, അത് യുഎസ്/കനേഡിയൻ ഗവൺമെന്റുമായി പങ്കിടും.

എന്നിരുന്നാലും, യുഎസ്/കാനഡയിലെ എൻആർഐ ബേസിൽ നിന്ന് നിക്ഷേപം സ്വീകരിക്കുന്ന ചില മ്യൂച്വൽ ഫണ്ട് ഹൗസുകളുണ്ട്:

ഈ എഎംസിയിൽ ഓരോന്നിനും യുഎസ് അല്ലെങ്കിൽ കാനഡ അധിഷ്ഠിത എൻആർഐകളിൽ നിന്ന് നിക്ഷേപം സ്വീകരിക്കുന്നതിന് വ്യത്യസ്തമായ വ്യവസ്ഥകളുണ്ട്. ഇവയിൽ ചില ഫണ്ട് ഹൗസുകൾ പേപ്പർ അപേക്ഷാ ഫോമുകളിൽ മാത്രമേ നിക്ഷേപം സ്വീകരിക്കുകയുള്ളൂ, എന്നാൽ ചിലർ NSE NMFII അല്ലെങ്കിൽ BSE STARMF പ്ലാറ്റ്‌ഫോം വഴി ഓൺലൈൻ അപേക്ഷ സ്വീകരിച്ചേക്കാം.

ഇന്ത്യയിലെ നിക്ഷേപങ്ങൾക്കായുള്ള NRE, NRO, FCNR അക്കൗണ്ടുകൾ

നിക്ഷേപിക്കാൻമ്യൂച്വൽ ഫണ്ടുകൾ ഇന്ത്യയിൽ ഒരാൾ ഇനിപ്പറയുന്ന അക്കൗണ്ടുകളിൽ ഏതെങ്കിലും ഒരു ഇന്ത്യക്കാരനുമായി തുറക്കണംബാങ്ക്:

NRE അക്കൗണ്ട്

ഇത് നോൺ റസിഡന്റ് എക്‌സ്‌റ്റേണൽ (NRE) അക്കൗണ്ടാണ്, അത് സേവിംഗ്സ്, കറന്റ്, ഫിക്സഡ് അല്ലെങ്കിൽആവർത്തന നിക്ഷേപം. ഈ അക്കൗണ്ടിൽ നിങ്ങൾ വിദേശ കറൻസി നിക്ഷേപിക്കേണ്ടതുണ്ട്. ഇന്ത്യൻ കറൻസി നിക്ഷേപിക്കാൻ, നിങ്ങൾ NRO അക്കൗണ്ട് തുറക്കണം. NRE അക്കൗണ്ടിലെ ഇടപാട് തുകയ്ക്ക് ഉയർന്ന പരിധിയില്ല.

NRO അക്കൗണ്ട്

NRO അല്ലെങ്കിൽ നോൺ റസിഡന്റ് ഓർഡിനറി അക്കൗണ്ട് എന്നത് സേവിംഗ്സ് അല്ലെങ്കിൽ കറന്റ് അക്കൗണ്ടിന്റെ രൂപത്തിലാണ്, ഇത് NRI കൾക്ക് ഇന്ത്യയിൽ സമ്പാദിച്ച വരുമാനം നിയന്ത്രിക്കാൻ വേണ്ടിയുള്ളതാണ്. NRO അക്കൗണ്ടിൽ, നിക്ഷേപിച്ചതിന് ശേഷം വിദേശ കറൻസി ഇന്ത്യൻ രൂപയിലേക്ക് പരിവർത്തനം ചെയ്യപ്പെടുന്നു. ഒരു എൻആർഒ അക്കൗണ്ട് മറ്റൊരു എൻആർഐയുമായും താമസക്കാരനായ ഇന്ത്യക്കാരനുമായും (അടുത്ത ബന്ധുക്കൾ) സംയുക്തമായി സൂക്ഷിക്കാം.

FCNR അക്കൗണ്ട്

ഇത് വിദേശ കറൻസി നോൺ റീപാട്രിയബിൾ അക്കൗണ്ട് നിക്ഷേപങ്ങളെ സൂചിപ്പിക്കുന്നു. ഈ അക്കൗണ്ടിൽ, എൻആർഐകൾക്ക് പണമടയ്ക്കാംവരുമാനം കനേഡിയൻ $, US$, Euro, AU$, Yen, പൗണ്ട് തുടങ്ങിയ ആറ് കറൻസികളിൽ ഒന്നിൽ. മറ്റ് FCNR അല്ലെങ്കിൽ NRE അക്കൗണ്ടുകളിൽ നിന്ന് ഫണ്ടുകൾ ട്രാൻസ്ഫർ ചെയ്യാം. FCNR-ൽ, മുതലും പലിശയും ഒരു നികുതിയും ഈടാക്കുന്നില്ല.

നിങ്ങൾ ഈ അക്കൗണ്ടുകളിലേതെങ്കിലും തുറന്ന് കഴിഞ്ഞാൽ, KYC മാനദണ്ഡങ്ങൾക്ക് കീഴിൽ നിങ്ങളുടെ KYC (നിങ്ങളുടെ ഉപഭോക്താവിനെ അറിയുക) വിജയകരമായി പൂർത്തിയാക്കേണ്ടതുണ്ട്.സെബി (സെക്യൂരിറ്റീസ് എക്സ്ചേഞ്ച് ബോർഡ് ഓഫ് ഇന്ത്യ). സെബിയിൽ രജിസ്റ്റർ ചെയ്തിട്ടുള്ള ഏതെങ്കിലും ഇന്റർമീഡിയറ്റുകൾ ഉപയോഗിച്ച് ഒരാൾക്ക് അവരുടെ KYC പൂർത്തിയാക്കാൻ കഴിയും.

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എൻആർഐകൾക്ക് മ്യൂച്വൽ ഫണ്ടുകളിൽ നിക്ഷേപിക്കുന്നതിനുള്ള കെവൈസി നടപടിക്രമം

നിങ്ങളുടെ കെ‌വൈ‌സി നടപടിക്രമങ്ങൾ വിജയകരമായി പൂർത്തിയാക്കുന്നതിന്, എൻ‌ആർ‌ഐകൾ ചില പ്രധാന ഘട്ടങ്ങൾ പൂർത്തിയാക്കുകയും ഇനിപ്പറയുന്നതുപോലുള്ള രേഖകൾ നൽകുകയും ചെയ്യേണ്ടതുണ്ട്:

എ. KYC ഫോം

ഒരു NRI സമർപ്പിക്കേണ്ടതുണ്ട്KYC ഫോം സെബി രജിസ്റ്റർ ചെയ്ത ഇന്റർമീഡിയറ്റിലേക്ക് ആവശ്യമായ എല്ലാ വിശദാംശങ്ങളും പൂരിപ്പിച്ച്. രേഖകൾ കൊറിയർ/തപാൽ മുഖേന ഇന്റർമീഡിയറ്റിലേക്ക് അയയ്ക്കാം.

ബി. പ്രമാണങ്ങൾ

സമർപ്പിക്കേണ്ട ആവശ്യമായ രേഖകൾ ഇനിപ്പറയുന്നവയാണ്:

വിദേശ വിലാസ തെളിവ്
ഇന്ത്യൻ റസിഡന്റ് വിലാസത്തിന്റെ തെളിവ്
അടുത്തിടെയുള്ള ഒരു ഫോട്ടോ
പാസ്പോർട്ട് കോപ്പി

മർച്ചന്റ് നേവിയിലെ NRI കളുടെ കാര്യത്തിൽ, ഒരു നാവികന്റെ ഡിക്ലറേഷൻ അല്ലെങ്കിൽ തുടർച്ചയായ ഡിസ്ചാർജ് സർട്ടിഫിക്കറ്റിന്റെ സാക്ഷ്യപ്പെടുത്തിയ പകർപ്പ് സമർപ്പിക്കണം.

vs. സർട്ടിഫിക്കറ്റ്

NRI കൾക്കോ PIO കൾക്കോ (പേഴ്സൺ ഓഫ് ഇന്ത്യ ഒറിജിൻ) ഇന്ത്യയിൽ രജിസ്റ്റർ ചെയ്തിട്ടുള്ള ഷെഡ്യൂൾഡ് വാണിജ്യ ബാങ്കുകളുടെ വിദേശ ശാഖകളിലെ അംഗീകൃത ഉദ്യോഗസ്ഥർ, ജഡ്ജി, കോടതി മജിസ്‌ട്രേറ്റ്, പബ്ലിക് നോട്ടറികൾ, അല്ലെങ്കിൽ രാജ്യത്തെ ഇന്ത്യൻ എംബസി/കോൺസുലേറ്റ് ജനറൽ എന്നിവരാൽ സാക്ഷ്യപ്പെടുത്തിയ മേൽപ്പറഞ്ഞ രേഖകൾ ലഭിക്കും. സ്ഥിതി ചെയ്യുന്നു.

ഡി. വ്യക്തിഗത പരിശോധനയിൽ (IPV)

SEBI നിയമങ്ങൾ അനുസരിച്ച്, KYC പ്രക്രിയയ്ക്ക് IPV നിർബന്ധമാണ്. എൻആർഐ/പിഐഒമാരുടെ ഐപിവി ഇന്റർമീഡിയറ്റ് നടത്തണം.

സമർപ്പിക്കുമ്പോൾ മുകളിലുള്ള എല്ലാ രേഖകളും/തെളിവുകളും ഇംഗ്ലീഷ് ഭാഷയിലായിരിക്കണം എന്നത് ശ്രദ്ധിക്കുക.

യുഎസ്/കാനഡ എൻആർഐകൾക്കായി മികച്ച പ്രകടനം നടത്തുന്ന മ്യൂച്വൽ ഫണ്ടുകൾ

Fund	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)	Sub Cat.
UTI Transportation & Logistics Fund Growth	12	26.1	10.8	25.9	27.3	18.7	Sectoral
UTI Healthcare Fund Growth	-1.2	9.3	1.9	24.9	17.6	42.9	Sectoral
Sundaram Mid Cap Fund Growth	1.2	13.2	1.2	24	27	32	Mid Cap
Sundaram Global Advantage Fund Growth	9.2	25.6	21.6	23.3	13.3	13.1	Global
Sundaram Infrastructure Advantage Fund Growth	-0.7	10.5	-2.1	22.9	27.7	23.8	Sectoral
UTI Core Equity Fund Growth	-0.9	8.1	-0.2	22.2	25.6	27.2	Large & Mid Cap
UTI Dividend Yield Fund Growth	1.1	9.3	-2	21.5	21.7	24.7	Dividend Yield
UTI Infrastructure Fund Growth	-0.6	5.7	-3	21.4	26.6	18.5	Sectoral
UTI Multi Asset Fund Growth	5.1	10.4	7.4	21	16.5	20.7	Multi Asset
Sundaram Small Cap Fund Growth	-2.1	12.8	-2.5	20.9	27.5	19.1	Small Cap
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 10 Funds showcased

Commentary	UTI Transportation & Logistics Fund	UTI Healthcare Fund	Sundaram Mid Cap Fund	Sundaram Global Advantage Fund	Sundaram Infrastructure Advantage Fund	UTI Core Equity Fund	UTI Dividend Yield Fund	UTI Infrastructure Fund	UTI Multi Asset Fund	Sundaram Small Cap Fund
Point 1	Upper mid AUM (₹3,741 Cr).	Bottom quartile AUM (₹1,119 Cr).	Highest AUM (₹12,501 Cr).	Bottom quartile AUM (₹130 Cr).	Bottom quartile AUM (₹935 Cr).	Upper mid AUM (₹4,861 Cr).	Upper mid AUM (₹3,794 Cr).	Lower mid AUM (₹2,108 Cr).	Top quartile AUM (₹5,941 Cr).	Lower mid AUM (₹3,282 Cr).
Point 2	Established history (21+ yrs).	Oldest track record among peers (26 yrs).	Established history (23+ yrs).	Established history (18+ yrs).	Established history (20+ yrs).	Established history (16+ yrs).	Established history (20+ yrs).	Established history (21+ yrs).	Established history (17+ yrs).	Established history (20+ yrs).
Point 3	Rating: 3★ (top quartile).	Rating: 1★ (lower mid).	Top rated.	Rating: 2★ (lower mid).	Not Rated.	Rating: 3★ (upper mid).	Rating: 1★ (bottom quartile).	Rating: 3★ (upper mid).	Rating: 1★ (bottom quartile).	Rating: 3★ (upper mid).
Point 4	Risk profile: High.	Risk profile: High.	Risk profile: Moderately High.	Risk profile: High.	Risk profile: High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 27.33% (upper mid).	5Y return: 17.58% (bottom quartile).	5Y return: 27.01% (upper mid).	5Y return: 13.34% (bottom quartile).	5Y return: 27.71% (top quartile).	5Y return: 25.64% (lower mid).	5Y return: 21.74% (lower mid).	5Y return: 26.62% (upper mid).	5Y return: 16.46% (bottom quartile).	5Y return: 27.50% (top quartile).
Point 6	3Y return: 25.93% (top quartile).	3Y return: 24.94% (top quartile).	3Y return: 23.98% (upper mid).	3Y return: 23.32% (upper mid).	3Y return: 22.88% (upper mid).	3Y return: 22.20% (lower mid).	3Y return: 21.45% (lower mid).	3Y return: 21.41% (bottom quartile).	3Y return: 21.01% (bottom quartile).	3Y return: 20.90% (bottom quartile).
Point 7	1Y return: 10.78% (top quartile).	1Y return: 1.95% (upper mid).	1Y return: 1.22% (upper mid).	1Y return: 21.57% (top quartile).	1Y return: -2.10% (bottom quartile).	1Y return: -0.19% (lower mid).	1Y return: -1.97% (lower mid).	1Y return: -3.01% (bottom quartile).	1Y return: 7.44% (upper mid).	1Y return: -2.54% (bottom quartile).
Point 8	Alpha: 0.00 (upper mid).	Alpha: 0.79 (upper mid).	Alpha: 2.99 (top quartile).	Alpha: 0.00 (lower mid).	Alpha: 0.29 (upper mid).	Alpha: -2.00 (bottom quartile).	Alpha: -4.47 (bottom quartile).	Alpha: -5.39 (bottom quartile).	1M return: 2.94% (top quartile).	Alpha: 0.97 (top quartile).
Point 9	Sharpe: -0.33 (upper mid).	Sharpe: -0.15 (top quartile).	Sharpe: -0.33 (upper mid).	Sharpe: 0.81 (top quartile).	Sharpe: -0.48 (lower mid).	Sharpe: -0.69 (bottom quartile).	Sharpe: -0.93 (bottom quartile).	Sharpe: -0.84 (bottom quartile).	Alpha: 0.00 (lower mid).	Sharpe: -0.47 (upper mid).
Point 10	Information ratio: 0.00 (upper mid).	Information ratio: 0.10 (upper mid).	Information ratio: 0.22 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: -0.07 (bottom quartile).	Information ratio: 0.89 (top quartile).	Information ratio: 0.84 (top quartile).	Information ratio: -0.46 (bottom quartile).	Sharpe: -0.52 (lower mid).	Information ratio: -0.47 (bottom quartile).

UTI Transportation & Logistics Fund

Upper mid AUM (₹3,741 Cr).
Established history (21+ yrs).
Rating: 3★ (top quartile).
Risk profile: High.
5Y return: 27.33% (upper mid).
3Y return: 25.93% (top quartile).
1Y return: 10.78% (top quartile).
Alpha: 0.00 (upper mid).
Sharpe: -0.33 (upper mid).
Information ratio: 0.00 (upper mid).

UTI Healthcare Fund

Bottom quartile AUM (₹1,119 Cr).
Oldest track record among peers (26 yrs).
Rating: 1★ (lower mid).
Risk profile: High.
5Y return: 17.58% (bottom quartile).
3Y return: 24.94% (top quartile).
1Y return: 1.95% (upper mid).
Alpha: 0.79 (upper mid).
Sharpe: -0.15 (top quartile).
Information ratio: 0.10 (upper mid).

Sundaram Mid Cap Fund

Highest AUM (₹12,501 Cr).
Established history (23+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 27.01% (upper mid).
3Y return: 23.98% (upper mid).
1Y return: 1.22% (upper mid).
Alpha: 2.99 (top quartile).
Sharpe: -0.33 (upper mid).
Information ratio: 0.22 (upper mid).

Sundaram Global Advantage Fund

Bottom quartile AUM (₹130 Cr).
Established history (18+ yrs).
Rating: 2★ (lower mid).
Risk profile: High.
5Y return: 13.34% (bottom quartile).
3Y return: 23.32% (upper mid).
1Y return: 21.57% (top quartile).
Alpha: 0.00 (lower mid).
Sharpe: 0.81 (top quartile).
Information ratio: 0.00 (lower mid).

Sundaram Infrastructure Advantage Fund

Bottom quartile AUM (₹935 Cr).
Established history (20+ yrs).
Not Rated.
Risk profile: High.
5Y return: 27.71% (top quartile).
3Y return: 22.88% (upper mid).
1Y return: -2.10% (bottom quartile).
Alpha: 0.29 (upper mid).
Sharpe: -0.48 (lower mid).
Information ratio: -0.07 (bottom quartile).

UTI Core Equity Fund

Upper mid AUM (₹4,861 Cr).
Established history (16+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 25.64% (lower mid).
3Y return: 22.20% (lower mid).
1Y return: -0.19% (lower mid).
Alpha: -2.00 (bottom quartile).
Sharpe: -0.69 (bottom quartile).
Information ratio: 0.89 (top quartile).

UTI Dividend Yield Fund

Upper mid AUM (₹3,794 Cr).
Established history (20+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 21.74% (lower mid).
3Y return: 21.45% (lower mid).
1Y return: -1.97% (lower mid).
Alpha: -4.47 (bottom quartile).
Sharpe: -0.93 (bottom quartile).
Information ratio: 0.84 (top quartile).

UTI Infrastructure Fund

Lower mid AUM (₹2,108 Cr).
Established history (21+ yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 26.62% (upper mid).
3Y return: 21.41% (bottom quartile).
1Y return: -3.01% (bottom quartile).
Alpha: -5.39 (bottom quartile).
Sharpe: -0.84 (bottom quartile).
Information ratio: -0.46 (bottom quartile).

UTI Multi Asset Fund

Top quartile AUM (₹5,941 Cr).
Established history (17+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 16.46% (bottom quartile).
3Y return: 21.01% (bottom quartile).
1Y return: 7.44% (upper mid).
1M return: 2.94% (top quartile).
Alpha: 0.00 (lower mid).
Sharpe: -0.52 (lower mid).

Sundaram Small Cap Fund

Lower mid AUM (₹3,282 Cr).
Established history (20+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 27.50% (top quartile).
3Y return: 20.90% (bottom quartile).
1Y return: -2.54% (bottom quartile).
Alpha: 0.97 (top quartile).
Sharpe: -0.47 (upper mid).
Information ratio: -0.47 (bottom quartile).

*അവസാന ക്രമത്തിൽ കഴിഞ്ഞ 3 വർഷത്തെ റിട്ടേണുകളെ അടിസ്ഥാനമാക്കിയുള്ളതാണ് ഫണ്ടുകളുടെ ലിസ്റ്റ്.

1. UTI Transportation & Logistics Fund

Investment Objective is “capital appreciation” through investments in stocks of the companies engaged in the transportation and logistics sector.

Research Highlights for UTI Transportation & Logistics Fund

Upper mid AUM (₹3,741 Cr).
Established history (21+ yrs).
Rating: 3★ (top quartile).
Risk profile: High.
5Y return: 27.33% (upper mid).
3Y return: 25.93% (top quartile).
1Y return: 10.78% (top quartile).
Alpha: 0.00 (upper mid).
Sharpe: -0.33 (upper mid).
Information ratio: 0.00 (upper mid).
Higher exposure to Consumer Cyclical vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
High-quality debt (AAA/AA ~100%).
Largest holding Mahindra & Mahindra Ltd (~13.5%).

Below is the key information for UTI Transportation & Logistics Fund

UTI Transportation & Logistics Fund Growth
Launch Date	11 Apr 04
NAV (17 Oct 25)	₹297.304 ↑ 0.39 (0.13 %)
Net Assets (Cr)	₹3,741 on 31 Aug 25
Category	Equity - Sectoral
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆
Risk	High
Expense Ratio	1.93
Sharpe Ratio	-0.33
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹14,271
30 Sep 22	₹17,035
30 Sep 23	₹20,680
30 Sep 24	₹32,475
30 Sep 25	₹32,795

UTI Transportation & Logistics Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹598,181.
Net Profit of ₹298,181 Invest Now

Returns for UTI Transportation & Logistics 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	12%
6 Month	26.1%
1 Year	10.8%
3 Year	25.9%
5 Year	27.3%
10 Year
15 Year
Since launch	17.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	18.7%
2023	40.1%
2022	14.7%
2021	24.3%
2020	11%
2019	-8.7%
2018	-19.5%
2017	39.6%
2016	4.8%
2015	5.7%

Fund Manager information for UTI Transportation & Logistics Fund

Name	Since	Tenure
Sachin Trivedi	22 Sep 16	8.95 Yr.

Data below for UTI Transportation & Logistics Fund as on 31 Aug 25

Equity Sector Allocation

Sector	Value
Consumer Cyclical	79.64%
Industrials	15.07%

Asset Allocation

Asset Class	Value
Cash	5.11%
Equity	94.71%
Debt	0.14%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Mahindra & Mahindra Ltd (Consumer Cyclical) Equity, Since 30 Apr 04 \| M&M	13%	₹504 Cr	1,575,675 ↑ 20,000
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 30 Apr 04 \| MARUTI	10%	₹391 Cr	264,013 ↓ -7,500
Eicher Motors Ltd (Consumer Cyclical) Equity, Since 30 Nov 08 \| EICHERMOT	10%	₹357 Cr	584,527
Eternal Ltd (Consumer Cyclical) Equity, Since 31 Jul 21 \| 543320	7%	₹253 Cr	8,074,415
InterGlobe Aviation Ltd (Industrials) Equity, Since 31 May 18 \| INDIGO	6%	₹219 Cr	387,991
Bajaj Auto Ltd (Consumer Cyclical) Equity, Since 30 Apr 18 \| BAJAJ-AUTO	6%	₹207 Cr	239,786
Hero MotoCorp Ltd (Consumer Cyclical) Equity, Since 31 Mar 12 \| HEROMOTOCO	4%	₹167 Cr	327,739
Hyundai Motor India Ltd (Consumer Cyclical) Equity, Since 31 Oct 24 \| HYUNDAI	4%	₹144 Cr	586,342
Adani Ports & Special Economic Zone Ltd (Industrials) Equity, Since 31 May 13 \| ADANIPORTS	4%	₹141 Cr	1,076,157 ↓ -150,000
TVS Motor Co Ltd (Consumer Cyclical) Equity, Since 30 Sep 19 \| TVSMOTOR	3%	₹128 Cr	390,372

2. UTI Healthcare Fund

(Erstwhile UTI Pharma & Healthcare Fund)

The Investment objective of the Scheme is capital appreciation through investments in equities and equity related instruments of the Pharma & Healthcare sectors.

Research Highlights for UTI Healthcare Fund

Bottom quartile AUM (₹1,119 Cr).
Oldest track record among peers (26 yrs).
Rating: 1★ (lower mid).
Risk profile: High.
5Y return: 17.58% (bottom quartile).
3Y return: 24.94% (top quartile).
1Y return: 1.95% (upper mid).
Alpha: 0.79 (upper mid).
Sharpe: -0.15 (top quartile).
Information ratio: 0.10 (upper mid).
Higher exposure to Health Care vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
Largest holding Sun Pharmaceuticals Industries Ltd (~9.4%).

Below is the key information for UTI Healthcare Fund

UTI Healthcare Fund Growth
Launch Date	28 Jun 99
NAV (17 Oct 25)	₹292.918 ↑ 0.17 (0.06 %)
Net Assets (Cr)	₹1,119 on 31 Aug 25
Category	Equity - Sectoral
AMC	UTI Asset Management Company Ltd
Rating	☆
Risk	High
Expense Ratio	2.26
Sharpe Ratio	-0.15
Information Ratio	0.1
Alpha Ratio	0.79
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹13,129
30 Sep 22	₹11,561
30 Sep 23	₹14,305
30 Sep 24	₹22,319
30 Sep 25	₹21,898

UTI Healthcare Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹470,047.
Net Profit of ₹170,047 Invest Now

Returns for UTI Healthcare 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	-1%
3 Month	-1.2%
6 Month	9.3%
1 Year	1.9%
3 Year	24.9%
5 Year	17.6%
10 Year
15 Year
Since launch	14.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	42.9%
2023	38.2%
2022	-12.3%
2021	19.1%
2020	67.4%
2019	1.2%
2018	-7.5%
2017	6.2%
2016	-9.7%
2015	12.4%

Fund Manager information for UTI Healthcare Fund

Name	Since	Tenure
Kamal Gada	2 May 22	3.34 Yr.

Data below for UTI Healthcare Fund as on 31 Aug 25

Equity Sector Allocation

Sector	Value
Health Care	98.23%
Basic Materials	1.12%

Asset Allocation

Asset Class	Value
Cash	0.65%
Equity	99.35%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Sun Pharmaceuticals Industries Ltd (Healthcare) Equity, Since 31 Oct 06 \| SUNPHARMA	9%	₹105 Cr	661,016
Cipla Ltd (Healthcare) Equity, Since 31 Jan 03 \| CIPLA	6%	₹64 Cr	400,000
Ajanta Pharma Ltd (Healthcare) Equity, Since 31 Jul 17 \| AJANTPHARM	5%	₹60 Cr	242,673 ↑ 42,673
Lupin Ltd (Healthcare) Equity, Since 28 Feb 25 \| LUPIN	5%	₹51 Cr	270,000 ↑ 15,000
Dr Reddy's Laboratories Ltd (Healthcare) Equity, Since 28 Feb 18 \| DRREDDY	4%	₹45 Cr	360,000
Procter & Gamble Health Ltd (Healthcare) Equity, Since 31 Dec 20 \| PGHL	4%	₹45 Cr	70,039 ↓ -10,244
Fortis Healthcare Ltd (Healthcare) Equity, Since 31 Dec 20 \| FORTIS	4%	₹42 Cr	465,000
Glenmark Pharmaceuticals Ltd (Healthcare) Equity, Since 31 Mar 24 \| GLENMARK	4%	₹42 Cr	220,000 ↑ 30,000
Apollo Hospitals Enterprise Ltd (Healthcare) Equity, Since 30 Apr 21 \| APOLLOHOSP	4%	₹40 Cr	53,000
Alkem Laboratories Ltd (Healthcare) Equity, Since 31 May 21 \| ALKEM	3%	₹38 Cr	72,000 ↑ 17,000

3. Sundaram Mid Cap Fund

(Erstwhile Sundaram Select Midcap Fund)

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

Research Highlights for Sundaram Mid Cap Fund

Highest AUM (₹12,501 Cr).
Established history (23+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 27.01% (upper mid).
3Y return: 23.98% (upper mid).
1Y return: 1.22% (upper mid).
Alpha: 2.99 (top quartile).
Sharpe: -0.33 (upper mid).
Information ratio: 0.22 (upper mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
Largest holding Cummins India Ltd (~3.9%).

Below is the key information for Sundaram Mid Cap Fund

Sundaram Mid Cap Fund Growth
Launch Date	30 Jul 02
NAV (17 Oct 25)	₹1,414.25 ↑ 0.39 (0.03 %)
Net Assets (Cr)	₹12,501 on 31 Aug 25
Category	Equity - Mid Cap
AMC	Sundaram Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	1.75
Sharpe Ratio	-0.33
Information Ratio	0.22
Alpha Ratio	2.99
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹16,223
30 Sep 22	₹17,062
30 Sep 23	₹21,088
30 Sep 24	₹32,926
30 Sep 25	₹31,436

Sundaram Mid Cap Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹598,181.
Net Profit of ₹298,181 Invest Now

Returns for Sundaram Mid Cap Fund

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

Duration	Returns
1 Month	-0.1%
3 Month	1.2%
6 Month	13.2%
1 Year	1.2%
3 Year	24%
5 Year	27%
10 Year
15 Year
Since launch	23.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	32%
2023	40.4%
2022	4.8%
2021	37.5%
2020	11.8%
2019	-0.3%
2018	-15.4%
2017	40.8%
2016	11.3%
2015	11.2%

Fund Manager information for Sundaram Mid Cap Fund

Name	Since	Tenure
S. Bharath	24 Feb 21	4.52 Yr.
Ratish Varier	24 Feb 21	4.52 Yr.

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

Equity Sector Allocation

Sector	Value
Financial Services	19.14%
Consumer Cyclical	18%
Industrials	14.64%
Health Care	11.81%
Basic Materials	10.56%
Technology	5.82%
Consumer Defensive	5.19%
Real Estate	3.59%
Utility	2.41%
Communication Services	2.2%
Energy	1.85%

Asset Allocation

Asset Class	Value
Cash	4.78%
Equity	95.2%
Other	0%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Cummins India Ltd (Industrials) Equity, Since 31 Dec 17 \| CUMMINSIND	4%	₹494 Cr	1,290,127
Coromandel International Ltd (Basic Materials) Equity, Since 30 Nov 10 \| COROMANDEL	3%	₹395 Cr	1,712,601
Fortis Healthcare Ltd (Healthcare) Equity, Since 31 Dec 21 \| FORTIS	3%	₹354 Cr	3,879,249
GE Vernova T&D India Ltd (Industrials) Equity, Since 30 Sep 24 \| GVT&D	3%	₹328 Cr	1,179,542
Mahindra & Mahindra Financial Services Ltd (Financial Services) Equity, Since 31 Jan 24 \| 532720	2%	₹303 Cr	11,920,703
Lupin Ltd (Healthcare) Equity, Since 31 Jan 23 \| LUPIN	2%	₹297 Cr	1,569,363 ↑ 19,877
Kalyan Jewellers India Ltd (Consumer Cyclical) Equity, Since 31 Mar 21 \| KALYANKJIL	2%	₹271 Cr	5,375,605 ↓ -641,216
JK Cement Ltd (Basic Materials) Equity, Since 31 Jan 24 \| JKCEMENT	2%	₹259 Cr	373,091 ↓ -9,462
Persistent Systems Ltd (Technology) Equity, Since 30 Apr 22 \| PERSISTENT	2%	₹257 Cr	484,892
Indian Bank (Financial Services) Equity, Since 31 Jul 23 \| INDIANB	2%	₹256 Cr	3,926,468 ↓ -94,797

4. Sundaram Global Advantage Fund

To achieve capital appreciation by investing in units of overseas mutual funds and exchange traded funds, domestic money market instruments. Income generation may only be a secondary objective.

Research Highlights for Sundaram Global Advantage Fund

Bottom quartile AUM (₹130 Cr).
Established history (18+ yrs).
Rating: 2★ (lower mid).
Risk profile: High.
5Y return: 13.34% (bottom quartile).
3Y return: 23.32% (upper mid).
1Y return: 21.57% (top quartile).
Alpha: 0.00 (lower mid).
Sharpe: 0.81 (top quartile).
Information ratio: 0.00 (lower mid).
Higher exposure to Technology vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
Largest holding Sundaram Global Brand Master (~95.6%).
Top-3 holdings concentration ~100.5%.

Below is the key information for Sundaram Global Advantage Fund

Sundaram Global Advantage Fund Growth
Launch Date	24 Aug 07
NAV (16 Oct 25)	₹37.7411 ↓ -0.20 (-0.53 %)
Net Assets (Cr)	₹130 on 31 Aug 25
Category	Equity - Global
AMC	Sundaram Asset Management Company Ltd
Rating	☆☆
Risk	High
Expense Ratio	1.07
Sharpe Ratio	0.81
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹12,437
30 Sep 22	₹10,065
30 Sep 23	₹13,068
30 Sep 24	₹15,923
30 Sep 25	₹19,168

Sundaram Global Advantage Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹426,080.
Net Profit of ₹126,080 Invest Now

Returns for Sundaram Global 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	1.6%
3 Month	9.2%
6 Month	25.6%
1 Year	21.6%
3 Year	23.3%
5 Year	13.3%
10 Year
15 Year
Since launch	7.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	13.1%
2023	30.1%
2022	-15.4%
2021	18.5%
2020	21.4%
2019	17.6%
2018	-8.1%
2017	19.8%
2016	12.8%
2015	-14.2%

Fund Manager information for Sundaram Global Advantage Fund

Name	Since	Tenure
Pathanjali Srinivasan	1 Apr 24	1.42 Yr.

Data below for Sundaram Global Advantage Fund as on 31 Aug 25

Equity Sector Allocation

Sector	Value
Technology	33.28%
Consumer Cyclical	20.2%
Financial Services	14.81%
Communication Services	13.2%
Consumer Defensive	9.64%
Industrials	4.48%

Asset Allocation

Asset Class	Value
Cash	4.39%
Equity	95.61%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Sundaram Global Brand Master Investment Fund \| -	96%	₹124 Cr	8,283,224
Treps CBLO/Reverse Repo \| -	5%	₹6 Cr
Cash And Other Net Current Assets CBLO \| -	0%	₹0 Cr

5. Sundaram Infrastructure Advantage Fund

To generate consistent long-term returns by investing predominantly in equity/equity-related instruments of companies engaged either directly or indirectly in infrastructure- and infrastructure related activities or expected to benefit from the growth and development of infrastructure

Research Highlights for Sundaram Infrastructure Advantage Fund

Bottom quartile AUM (₹935 Cr).
Established history (20+ yrs).
Not Rated.
Risk profile: High.
5Y return: 27.71% (top quartile).
3Y return: 22.88% (upper mid).
1Y return: -2.10% (bottom quartile).
Alpha: 0.29 (upper mid).
Sharpe: -0.48 (lower mid).
Information ratio: -0.07 (bottom quartile).
Higher exposure to Industrials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~94%).
Largest holding Bharti Airtel Ltd (~8.4%).

Below is the key information for Sundaram Infrastructure Advantage Fund

Sundaram Infrastructure Advantage Fund Growth
Launch Date	29 Sep 05
NAV (17 Oct 25)	₹95.9284 ↑ 0.19 (0.20 %)
Net Assets (Cr)	₹935 on 31 Aug 25
Category	Equity - Sectoral
AMC	Sundaram Asset Management Company Ltd
Rating	Not Rated
Risk	High
Expense Ratio	2.37
Sharpe Ratio	-0.48
Information Ratio	-0.07
Alpha Ratio	0.29
Min Investment	100,000
Min SIP Investment	100
Exit Load	0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹17,468
30 Sep 22	₹18,239
30 Sep 23	₹23,100
30 Sep 24	₹35,090
30 Sep 25	₹33,090

Sundaram Infrastructure Advantage Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹598,181.
Net Profit of ₹298,181 Invest Now

Returns for Sundaram Infrastructure 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	-0.6%
3 Month	-0.7%
6 Month	10.5%
1 Year	-2.1%
3 Year	22.9%
5 Year	27.7%
10 Year
15 Year
Since launch	11.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	23.8%
2023	41.7%
2022	2.1%
2021	49.5%
2020	10.4%
2019	2.2%
2018	-21.9%
2017	55.5%
2016	-0.5%
2015	4.8%

Fund Manager information for Sundaram Infrastructure Advantage Fund

Name	Since	Tenure
Ashish Aggarwal	1 Jan 22	3.67 Yr.

Data below for Sundaram Infrastructure Advantage Fund as on 31 Aug 25

Equity Sector Allocation

Sector	Value
Industrials	38.29%
Utility	11.87%
Energy	10.89%
Communication Services	10.79%
Consumer Cyclical	7.62%
Basic Materials	7.6%
Financial Services	3.87%
Real Estate	2.41%
Technology	0.71%

Asset Allocation

Asset Class	Value
Cash	5.95%
Equity	94.05%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Oct 19 \| BHARTIARTL	8%	₹78 Cr	415,000
Larsen & Toubro Ltd (Industrials) Equity, Since 31 May 09 \| LT	8%	₹76 Cr	210,000
Reliance Industries Ltd (Energy) Equity, Since 31 Jan 18 \| RELIANCE	8%	₹71 Cr	525,000
NTPC Ltd (Utilities) Equity, Since 31 Jan 22 \| NTPC	5%	₹44 Cr	1,340,000
UltraTech Cement Ltd (Basic Materials) Equity, Since 31 Oct 19 \| ULTRACEMCO	4%	₹35 Cr	28,000
Bharat Electronics Ltd (Industrials) Equity, Since 31 Jul 22 \| BEL	3%	₹25 Cr	675,000
Power Grid Corp Of India Ltd (Utilities) Equity, Since 31 Mar 22 \| POWERGRID	2%	₹22 Cr	800,000
ICICI Bank Ltd (Financial Services) Equity, Since 30 Jun 18 \| ICICIBANK	2%	₹21 Cr	150,000
GE Vernova T&D India Ltd (Industrials) Equity, Since 30 Sep 24 \| GVT&D	2%	₹19 Cr	67,000 ↓ -3,000
Bharat Petroleum Corp Ltd (Energy) Equity, Since 30 Sep 19 \| BPCL	2%	₹18 Cr	575,000

6. UTI Core Equity Fund

(Erstwhile UTI Top 100 Fund)

The fund aims to provide long term capital appreciation/dividend distribution by investing predominantly in equity and equity related instruments of top 100 stocks by market capitalisation. There can be no assurance that the investment objectives of the scheme will be realised.

Research Highlights for UTI Core Equity Fund

Upper mid AUM (₹4,861 Cr).
Established history (16+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 25.64% (lower mid).
3Y return: 22.20% (lower mid).
1Y return: -0.19% (lower mid).
Alpha: -2.00 (bottom quartile).
Sharpe: -0.69 (bottom quartile).
Information ratio: 0.89 (top quartile).
Higher exposure to Financial Services vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
Largest holding HDFC Bank Ltd (~6.3%).

Below is the key information for UTI Core Equity Fund

UTI Core Equity Fund Growth
Launch Date	20 May 09
NAV (17 Oct 25)	₹180.436 ↓ -0.30 (-0.16 %)
Net Assets (Cr)	₹4,861 on 31 Aug 25
Category	Equity - Large & Mid Cap
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	1.96
Sharpe Ratio	-0.69
Information Ratio	0.89
Alpha Ratio	-2
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹17,360
30 Sep 22	₹17,176
30 Sep 23	₹21,504
30 Sep 24	₹32,486
30 Sep 25	₹30,570

UTI Core Equity Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹570,326.
Net Profit of ₹270,326 Invest Now

Returns for UTI Core Equity 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	-0.3%
3 Month	-0.9%
6 Month	8.1%
1 Year	-0.2%
3 Year	22.2%
5 Year	25.6%
10 Year
15 Year
Since launch	13.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	27.2%
2023	34.4%
2022	4.6%
2021	40.8%
2020	12.8%
2019	1.5%
2018	-7.9%
2017	35.2%
2016	3.4%
2015	0.5%

Fund Manager information for UTI Core Equity Fund

Name	Since	Tenure
V Srivatsa	17 May 17	8.3 Yr.

Data below for UTI Core Equity Fund as on 31 Aug 25

Equity Sector Allocation

Sector	Value
Financial Services	28.85%
Technology	10%
Consumer Cyclical	9.78%
Basic Materials	9.16%
Health Care	8.06%
Industrials	7.84%
Energy	6.34%
Consumer Defensive	5.68%
Communication Services	5.65%
Real Estate	2.46%
Utility	2.11%

Asset Allocation

Asset Class	Value
Cash	4.07%
Equity	95.93%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 30 Nov 20 \| HDFCBANK	6%	₹307 Cr	3,225,126
ICICI Bank Ltd (Financial Services) Equity, Since 30 Nov 06 \| ICICIBANK	4%	₹200 Cr	1,427,555 ↓ -20,000
Infosys Ltd (Technology) Equity, Since 28 Feb 06 \| INFY	3%	₹157 Cr	1,068,187 ↑ 80,000
Reliance Industries Ltd (Energy) Equity, Since 29 Feb 20 \| RELIANCE	3%	₹132 Cr	975,401 ↑ 150,000
ITC Ltd (Consumer Defensive) Equity, Since 31 Dec 08 \| ITC	3%	₹129 Cr	3,149,879 ↑ 261,135
Wipro Ltd (Technology) Equity, Since 30 Jun 24 \| WIPRO	2%	₹117 Cr	4,703,248 ↑ 390,813
The Federal Bank Ltd (Financial Services) Equity, Since 30 Jun 17 \| FEDERALBNK	2%	₹115 Cr	6,023,475
Aditya Birla Capital Ltd (Financial Services) Equity, Since 31 Aug 22 \| ABCAPITAL	2%	₹110 Cr	3,950,761
Vedanta Ltd (Basic Materials) Equity, Since 30 Apr 24 \| VEDL	2%	₹106 Cr	2,508,415
Indian Bank (Financial Services) Equity, Since 31 May 23 \| INDIANB	2%	₹105 Cr	1,607,816 ↓ -100,000

7. UTI Dividend Yield Fund

(Erstwhile UTI - Dividend Yield Fund)

The investment objective of the scheme is to provide medium to long term capital gains and/ or dividend distribution by investing predominantly in equity and equity related instruments which offer high dividend yield. There can be no assurance that the investment objectives of the scheme will be realised.

Research Highlights for UTI Dividend Yield Fund

Upper mid AUM (₹3,794 Cr).
Established history (20+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 21.74% (lower mid).
3Y return: 21.45% (lower mid).
1Y return: -1.97% (lower mid).
Alpha: -4.47 (bottom quartile).
Sharpe: -0.93 (bottom quartile).
Information ratio: 0.84 (top quartile).
Higher exposure to Financial Services vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
High-quality debt (AAA/AA ~100%).
Largest holding HDFC Bank Ltd (~9.0%).

Below is the key information for UTI Dividend Yield Fund

UTI Dividend Yield Fund Growth
Launch Date	3 May 05
NAV (17 Oct 25)	₹180.316 ↑ 0.25 (0.14 %)
Net Assets (Cr)	₹3,794 on 31 Aug 25
Category	Equity - Dividend Yield
AMC	UTI Asset Management Company Ltd
Rating	☆
Risk	Moderately High
Expense Ratio	1.99
Sharpe Ratio	-0.93
Information Ratio	0.84
Alpha Ratio	-4.47
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹16,441
30 Sep 22	₹15,141
30 Sep 23	₹18,666
30 Sep 24	₹28,527
30 Sep 25	₹26,424

UTI Dividend Yield Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹518,033.
Net Profit of ₹218,033 Invest Now

Returns for UTI Dividend Yield 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	0.4%
3 Month	1.1%
6 Month	9.3%
1 Year	-2%
3 Year	21.5%
5 Year	21.7%
10 Year
15 Year
Since launch	15.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	24.7%
2023	35.4%
2022	-5.3%
2021	38.8%
2020	18.9%
2019	3.3%
2018	0.5%
2017	28.5%
2016	6.1%
2015	-5.1%

Fund Manager information for UTI Dividend Yield Fund

Name	Since	Tenure
Amit Premchandani	16 Nov 22	2.79 Yr.

Data below for UTI Dividend Yield Fund as on 31 Aug 25

Equity Sector Allocation

Sector	Value
Financial Services	26.06%
Technology	13.91%
Consumer Cyclical	12.34%
Health Care	9.43%
Consumer Defensive	7.25%
Industrials	6.34%
Energy	6.13%
Utility	5.81%
Real Estate	3.99%
Basic Materials	3.99%
Communication Services	3.61%

Asset Allocation

Asset Class	Value
Cash	0.59%
Equity	98.87%
Debt	0.54%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 May 12 \| HDFCBANK	9%	₹343 Cr	3,600,000 ↓ -100,000
ICICI Bank Ltd (Financial Services) Equity, Since 30 Sep 07 \| ICICIBANK	5%	₹203 Cr	1,450,000 ↓ -61,670
Tech Mahindra Ltd (Technology) Equity, Since 31 May 17 \| TECHM	4%	₹135 Cr	910,000
Infosys Ltd (Technology) Equity, Since 30 Apr 08 \| INFY	3%	₹126 Cr	860,000
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Dec 23 \| KOTAKBANK	3%	₹123 Cr	625,000
State Bank of India (Financial Services) Equity, Since 31 Mar 23 \| SBIN	3%	₹112 Cr	1,400,000
Mahindra & Mahindra Ltd (Consumer Cyclical) Equity, Since 30 Jun 23 \| M&M	3%	₹112 Cr	350,000 ↓ -25,000
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Aug 24 \| BHARTIARTL	3%	₹108 Cr	570,000 ↑ 220,000
Knowledge Realty Trust Units (Real Estate) -, Since 31 Aug 25 \| 544481	2%	₹93 Cr	8,717,059 ↑ 8,717,059
ITC Ltd (Consumer Defensive) Equity, Since 30 Nov 07 \| ITC	2%	₹90 Cr	2,200,000

8. UTI Infrastructure Fund

The investment objective of the Scheme is to provide income distribution and / or medium to long term "capital appreciation" by investing predominantly in equity / equity related instruments in the companies engaged either directly or indirectly in the infrastructure growth of the Indian economy. However, there is no assurance that the investment objective of the scheme will be achieved.

Research Highlights for UTI Infrastructure Fund

Lower mid AUM (₹2,108 Cr).
Established history (21+ yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 26.62% (upper mid).
3Y return: 21.41% (bottom quartile).
1Y return: -3.01% (bottom quartile).
Alpha: -5.39 (bottom quartile).
Sharpe: -0.84 (bottom quartile).
Information ratio: -0.46 (bottom quartile).
Higher exposure to Industrials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
Largest holding Bharti Airtel Ltd (~13.9%).

Below is the key information for UTI Infrastructure Fund

UTI Infrastructure Fund Growth
Launch Date	7 Apr 04
NAV (17 Oct 25)	₹143.194 ↑ 0.37 (0.26 %)
Net Assets (Cr)	₹2,108 on 31 Aug 25
Category	Equity - Sectoral
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆
Risk	High
Expense Ratio	2.18
Sharpe Ratio	-0.84
Information Ratio	-0.46
Alpha Ratio	-5.39
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹17,821
30 Sep 22	₹18,406
30 Sep 23	₹23,040
30 Sep 24	₹34,978
30 Sep 25	₹31,799

UTI Infrastructure Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹584,107.
Net Profit of ₹284,107 Invest Now

Returns for UTI Infrastructure 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	0.9%
3 Month	-0.6%
6 Month	5.7%
1 Year	-3%
3 Year	21.4%
5 Year	26.6%
10 Year
15 Year
Since launch	13.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	18.5%
2023	38.2%
2022	8.8%
2021	39.4%
2020	3.4%
2019	6.7%
2018	-15.6%
2017	41.4%
2016	4%
2015	-5.5%

Fund Manager information for UTI Infrastructure Fund

Name	Since	Tenure
Sachin Trivedi	1 Sep 21	4 Yr.
Deepesh Agarwal	16 Jun 25	0.21 Yr.

Data below for UTI Infrastructure Fund as on 31 Aug 25

Equity Sector Allocation

Sector	Value
Industrials	37.92%
Communication Services	14.8%
Energy	13.3%
Utility	11.4%
Basic Materials	7.59%
Financial Services	5.4%
Real Estate	3.13%
Consumer Cyclical	2.16%
Technology	0.58%
Health Care	0.06%

Asset Allocation

Asset Class	Value
Cash	3.65%
Equity	96.35%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Nov 17 \| BHARTIARTL	14%	₹292 Cr	1,545,731
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Sep 05 \| LT	10%	₹205 Cr	568,954
NTPC Ltd (Utilities) Equity, Since 31 Dec 18 \| NTPC	7%	₹140 Cr	4,260,012
Reliance Industries Ltd (Energy) Equity, Since 31 Oct 22 \| RELIANCE	6%	₹131 Cr	967,547 ↑ 53,745
UltraTech Cement Ltd (Basic Materials) Equity, Since 31 Mar 12 \| ULTRACEMCO	5%	₹111 Cr	87,930
InterGlobe Aviation Ltd (Industrials) Equity, Since 30 Nov 22 \| INDIGO	5%	₹97 Cr	170,972
Oil & Natural Gas Corp Ltd (Energy) Equity, Since 30 Sep 23 \| ONGC	3%	₹65 Cr	2,795,493 ↓ -90,594
Adani Ports & Special Economic Zone Ltd (Industrials) Equity, Since 31 May 13 \| ADANIPORTS	3%	₹60 Cr	457,905
Axis Bank Ltd (Financial Services) Equity, Since 31 Mar 11 \| AXISBANK	3%	₹56 Cr	533,167
ICICI Bank Ltd (Financial Services) Equity, Since 31 Jan 11 \| ICICIBANK	2%	₹48 Cr	343,610

9. UTI Multi Asset Fund

(Erstwhile UTI Wealth Builder Fund)

The objective of the Scheme is to achieve long term capital appreciation by investing predominantly in a diversified portfolio of equity and equity related instruments along with investments in Gold ETFs and Debt and Money Market Instruments. However, there can be no assurance that the investment objective of the Scheme will be achieved.

Research Highlights for UTI Multi Asset Fund

Top quartile AUM (₹5,941 Cr).
Established history (17+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 16.46% (bottom quartile).
3Y return: 21.01% (bottom quartile).
1Y return: 7.44% (upper mid).
1M return: 2.94% (top quartile).
Alpha: 0.00 (lower mid).
Sharpe: -0.52 (lower mid).
Information ratio: 0.00 (lower mid).
Top sector: Financial Services.
Higher exposure to Government (bond sector) vs peer median.
Equity-heavy allocation (~66%).
High-quality debt (AAA/AA ~100%).
Largest holding UTI Gold ETF (~11.2%).

Below is the key information for UTI Multi Asset Fund

UTI Multi Asset Fund Growth
Launch Date	21 Oct 08
NAV (17 Oct 25)	₹78.332 ↑ 0.46 (0.60 %)
Net Assets (Cr)	₹5,941 on 31 Aug 25
Category	Hybrid - Multi Asset
AMC	UTI Asset Management Company Ltd
Rating	☆
Risk	Moderately High
Expense Ratio	1.79
Sharpe Ratio	-0.52
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹12,262
30 Sep 22	₹12,379
30 Sep 23	₹14,669
30 Sep 24	₹20,722
30 Sep 25	₹20,755

UTI Multi Asset Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹458,689.
Net Profit of ₹158,689 Invest Now

Returns for UTI Multi Asset 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	2.9%
3 Month	5.1%
6 Month	10.4%
1 Year	7.4%
3 Year	21%
5 Year	16.5%
10 Year
15 Year
Since launch	12.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	20.7%
2023	29.1%
2022	4.4%
2021	11.8%
2020	13.1%
2019	3.9%
2018	-0.5%
2017	17.1%
2016	7.3%
2015	-3.7%

Fund Manager information for UTI Multi Asset Fund

Name	Since	Tenure
Sharwan Kumar Goyal	12 Nov 21	3.81 Yr.
Jaydeep Bhowal	1 Oct 24	0.92 Yr.

Data below for UTI Multi Asset Fund as on 31 Aug 25

Asset Allocation

Asset Class	Value
Cash	9.21%
Equity	65.76%
Debt	13.94%
Other	11.1%

Equity Sector Allocation

Sector	Value
Financial Services	14.8%
Technology	12.98%
Consumer Defensive	8.81%
Health Care	7.44%
Basic Materials	7.17%
Consumer Cyclical	5.38%
Industrials	3.43%
Communication Services	3.18%
Real Estate	3%
Energy	2.85%
Utility	0.05%

Debt Sector Allocation

Sector	Value
Government	10.45%
Cash Equivalent	9.16%
Corporate	3.54%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
UTI Gold ETF - \| -	11%	₹665 Cr	76,977,316
ICICI Bank Ltd (Financial Services) Equity, Since 29 Feb 24 \| ICICIBANK	4%	₹220 Cr	1,575,020
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Apr 24 \| BHARTIARTL	3%	₹185 Cr	978,983 ↑ 97,009
7.1% Govt Stock 2034 Sovereign Bonds \| -	3%	₹154 Cr	1,500,000,000
HDFC Bank Ltd (Financial Services) Equity, Since 30 Apr 25 \| HDFCBANK	3%	₹149 Cr	1,570,564
Infosys Ltd (Technology) Equity, Since 31 Mar 24 \| INFY	2%	₹140 Cr	954,222
ITC Ltd (Consumer Defensive) Equity, Since 31 Oct 22 \| ITC	2%	₹139 Cr	3,380,690 ↑ 15,000
Sun Pharmaceuticals Industries Ltd (Healthcare) Equity, Since 29 Feb 24 \| SUNPHARMA	2%	₹135 Cr	849,154
HCL Technologies Ltd (Technology) Equity, Since 31 Oct 24 \| HCLTECH	2%	₹128 Cr	879,152 ↑ 15,000
Tata Consultancy Services Ltd (Technology) Equity, Since 29 Feb 24 \| TCS	2%	₹121 Cr	393,100

10. Sundaram Small Cap Fund

(Erstwhile Sundaram SMILE Fund)

To primarily achieve capital appreciation by investing in diversified stocks that are generally termed as small and mid-caps and by investing in other equities.

Research Highlights for Sundaram Small Cap Fund

Lower mid AUM (₹3,282 Cr).
Established history (20+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 27.50% (top quartile).
3Y return: 20.90% (bottom quartile).
1Y return: -2.54% (bottom quartile).
Alpha: 0.97 (top quartile).
Sharpe: -0.47 (upper mid).
Information ratio: -0.47 (bottom quartile).
Higher exposure to Consumer Cyclical vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
High-quality debt (AAA/AA ~100%).
Largest holding Aster DM Healthcare Ltd Ordinary Shares (~3.5%).

Below is the key information for Sundaram Small Cap Fund

Sundaram Small Cap Fund Growth
Launch Date	15 Feb 05
NAV (17 Oct 25)	₹262.004 ↓ -0.67 (-0.26 %)
Net Assets (Cr)	₹3,282 on 31 Aug 25
Category	Equity - Small Cap
AMC	Sundaram Asset Management Company Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	1.94
Sharpe Ratio	-0.47
Information Ratio	-0.47
Alpha Ratio	0.97
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹18,888
30 Sep 22	₹19,210
30 Sep 23	₹24,952
30 Sep 24	₹35,108
30 Sep 25	₹32,971

Sundaram Small Cap Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹598,181.
Net Profit of ₹298,181 Invest Now

Returns for Sundaram Small Cap Fund

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

Duration	Returns
1 Month	-1%
3 Month	-2.1%
6 Month	12.8%
1 Year	-2.5%
3 Year	20.9%
5 Year	27.5%
10 Year
15 Year
Since launch	17.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	19.1%
2023	45.3%
2022	-2.1%
2021	60.3%
2020	26.2%
2019	-6.1%
2018	-29.2%
2017	55.6%
2016	-0.1%
2015	7.8%

Fund Manager information for Sundaram Small Cap Fund

Name	Since	Tenure
Rohit Seksaria	1 Nov 22	2.83 Yr.

Data below for Sundaram Small Cap Fund as on 31 Aug 25

Equity Sector Allocation

Sector	Value
Consumer Cyclical	21.48%
Industrials	19.02%
Financial Services	17.74%
Health Care	12.28%
Basic Materials	8.03%
Communication Services	5.4%
Technology	4.17%
Consumer Defensive	3.12%
Real Estate	2.41%
Utility	1.09%

Asset Allocation

Asset Class	Value
Cash	5.17%
Equity	94.73%
Debt	0.1%
Other	0%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Aster DM Healthcare Ltd Ordinary Shares (Healthcare) Equity, Since 30 Nov 23 \| ASTERDM	3%	₹114 Cr	1,898,655
E I D Parry India Ltd (Basic Materials) Equity, Since 31 Jul 24 \| EIDPARRY	3%	₹101 Cr	899,463
Affle 3i Ltd (Communication Services) Equity, Since 31 May 21 \| AFFLE	3%	₹101 Cr	530,036
Craftsman Automation Ltd (Consumer Cyclical) Equity, Since 30 Jun 24 \| CRAFTSMAN	3%	₹97 Cr	140,821
Safari Industries (India) Ltd (Consumer Cyclical) Equity, Since 28 Feb 21 \| 523025	3%	₹93 Cr	431,921 ↑ 21,112
SJS Enterprises Ltd (Consumer Cyclical) Equity, Since 31 Aug 23 \| 543387	3%	₹84 Cr	648,946
PNB Housing Finance Ltd (Financial Services) Equity, Since 31 Jul 24 \| PNBHOUSING	2%	₹75 Cr	991,559
Rategain Travel Technologies Ltd (Technology) Equity, Since 30 Jun 23 \| 543417	2%	₹72 Cr	1,407,678 ↑ 174,724
Ujjivan Small Finance Bank Ltd Ordinary Shares (Financial Services) Equity, Since 31 May 24 \| UJJIVANSFB	2%	₹71 Cr	16,665,062
Cholamandalam Financial Holdings Ltd (Financial Services) Equity, Since 31 Jan 20 \| CHOLAHLDNG	2%	₹68 Cr	395,668

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