SOLUTIONS
EXPLORE FUNDS
CALCULATORS
fincash number+91-22-48913909Dashboard

മലേഷ്യ ആസ്ഥാനമായുള്ള NRI ഇന്ത്യയിൽ നിക്ഷേപിക്കുന്നതിനുള്ള മ്യൂച്വൽ ഫണ്ടുകൾ

Updated on September 28, 2025 , 2200 views

മലേഷ്യയിൽ താമസിക്കുന്ന നിരവധി എൻആർഐകൾ കടത്തിലും ഇക്വിറ്റിയിലും നിക്ഷേപിക്കുന്നുവിപണി നല്ല വരുമാനം നേടുന്നതിന്.മ്യൂച്വൽ ഫണ്ടുകൾ ഉയർന്ന സമ്പാദിക്കാനുള്ള മികച്ച ഓപ്ഷനാണ്വരുമാനം പരമ്പരാഗത നിക്ഷേപങ്ങളുമായി താരതമ്യം ചെയ്യുമ്പോൾ. നിങ്ങൾ എംഎഫുകളിൽ എത്രത്തോളം നിക്ഷേപിക്കുന്നുവോ അത്രയധികം നല്ല വരുമാനം നേടാനുള്ള സാധ്യതകൾ കൂടുതലാണ്.

സാധാരണയായി, മലേഷ്യയിൽ താമസിക്കുന്ന എൻആർഐകൾ അവരുടെ ദീർഘകാല പദ്ധതികൾ ആസൂത്രണം ചെയ്യുന്നുസാമ്പത്തിക ലക്ഷ്യങ്ങൾ പോലെവിരമിക്കൽ വഴിനിക്ഷേപിക്കുന്നു ഇന്ത്യയിലെ മ്യൂച്വൽ ഫണ്ടുകളിൽ. മ്യൂച്വൽ ഫണ്ട് നിക്ഷേപത്തിനായി പദ്ധതിയിടുന്ന മലേഷ്യയിൽ താമസിക്കുന്ന നിക്ഷേപകർ, ഫണ്ട് തീരുമാനിക്കുന്നതിന് മുമ്പ് നിങ്ങൾ ആദ്യം ചെയ്യേണ്ടത് നിക്ഷേപത്തിന്റെ സമയപരിധി നിർണ്ണയിക്കുക എന്നതാണ്. ഉദാഹരണത്തിന്, നിങ്ങൾക്ക് മൂന്ന് വർഷമോ അതിൽ കുറവോ ഉള്ള പണം ആവശ്യമാണെങ്കിൽവിളി അത് ഹ്രസ്വകാലമായി. മൂന്ന് മുതൽ അഞ്ച് വർഷം വരെയുള്ള നിക്ഷേപം നിങ്ങൾ റിഡീം ചെയ്യുകയാണെങ്കിൽ അതിനെ മിഡ്-ടേം എന്നും അഞ്ച് വർഷത്തിന് മുകളിലുള്ള ഏത് സമയത്തും ദീർഘകാലം എന്നും വിളിക്കുക.

ആഗ്രഹിക്കുന്ന മലേഷ്യ ആസ്ഥാനമായുള്ള എൻആർഐകൾമ്യൂച്വൽ ഫണ്ടുകളിൽ നിക്ഷേപിക്കുക ഇന്ത്യയിൽ അവരുടെ നിക്ഷേപം ആരംഭിക്കുന്നതിന് ചില പ്രധാന മാർഗ്ഗനിർദ്ദേശങ്ങളും നിയമങ്ങളും പാലിക്കേണ്ടതുണ്ട്.

NRI-Malaysia

മലേഷ്യയിൽ താമസിക്കുന്ന എൻആർഐക്കുള്ള മ്യൂച്വൽ ഫണ്ട് നിക്ഷേപങ്ങൾ

ഇന്ത്യയിലെ മ്യൂച്വൽ ഫണ്ടുകളിൽ നിക്ഷേപിക്കുന്നതിന്, ഒരു ഇന്ത്യക്കാരനുമായി ഇനിപ്പറയുന്ന ഏതെങ്കിലും അക്കൗണ്ടുകൾ തുറക്കേണ്ടതാണ്.ബാങ്ക്:

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.

മ്യൂച്വൽ ഫണ്ടുകളിൽ നിക്ഷേപിക്കുന്നതിനുള്ള എൻആർഐക്കുള്ള കെവൈസി നടപടിക്രമം

നിങ്ങളുടെ കെ‌വൈ‌സി നടപടിക്രമങ്ങൾ വിജയകരമായി പൂർത്തിയാക്കാൻ, മലേഷ്യ അധിഷ്ഠിത-എൻആർഐകൾ ചില സുപ്രധാന 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.

Ready to Invest?
Talk to our investment specialist
Disclaimer:
By submitting this form I authorize Fincash.com to call/SMS/email me about its products and I accept the terms of Privacy Policy and Terms & Conditions.

നോൺ റസിഡന്റ് ഇന്ത്യൻ (എൻആർഐ) മ്യൂച്വൽ ഫണ്ട് നികുതി

മൂലധനം 2017-18 (അസെസ്‌മെന്റ് വർഷം 2018-19) എൻആർഐ മ്യൂച്വൽ ഫണ്ട് നിക്ഷേപങ്ങളുടെ നേട്ട നികുതി നിരക്കുകൾ താഴെ പറയുന്നവയാണ്:

എൻ.ആർ.ഐമ്യൂച്വൽ ഫണ്ടുകളുടെ നികുതി-മൂലധന നേട്ടം നികുതി നിരക്കുകൾ- FY 2017/2018 (AY- 2018-19)

മ്യൂച്വൽ ഫണ്ട് സ്കീമിന്റെ തരങ്ങൾ ഹ്രസ്വകാല മൂലധന നേട്ടം (STCG) ദീർഘകാല മൂലധന നേട്ടം (LTCG)
ഇക്വിറ്റി ഫണ്ടുകൾ- STCG- ഒരു വർഷത്തിൽ താഴെയോ അതിന് തുല്യമോ ഉള്ള യൂണിറ്റുകൾ, LTCG- യൂണിറ്റുകൾ ഒരു വർഷത്തിൽ കൂടുതൽ 15% ഇല്ല
നോൺ-ഇക്വിറ്റി ഫണ്ടുകൾ- STCG- 3 വർഷമോ അതിൽ കുറവോ ഉള്ള യൂണിറ്റുകൾ, LTCG- 3 വർഷത്തിൽ കൂടുതലുള്ള യൂണിറ്റുകൾ വ്യക്തിയുടെ പ്രകാരംആദായ നികുതി ബ്രാക്കറ്റ് ലിസ്‌റ്റ് ചെയ്‌ത ഫണ്ടുകളിൽ-20% (ഇൻഡക്‌സേഷനോടൊപ്പം), ലിസ്‌റ്റ് ചെയ്യാത്ത ഫണ്ടുകൾ- 10% (ഇൻഡക്‌സേഷൻ ഇല്ലാതെ)

ഡിവിഡന്റുകളിൽ മ്യൂച്വൽ ഫണ്ട് നികുതി

  • ഇക്വിറ്റി ഫണ്ടുകളുടെ ലാഭവിഹിതം: ഇക്വിറ്റി ഫണ്ടുകൾക്കായി യൂണിറ്റ് ഹോൾഡറുടെ കൈകളിൽ ലഭിക്കുന്ന ലാഭവിഹിതം പൂർണമായും നികുതി രഹിതമാണ്. ഡിവിഡന്റും നികുതി രഹിതമാണ്എഎംസി.

  • ഡെറ്റ് ഫണ്ടുകളുടെ ലാഭവിഹിതം: ഈ ഡിവിഡന്റ് വരുമാനം അതിന്റെ യൂണിറ്റ് ഉടമകൾക്ക് വിതരണം ചെയ്യുന്നതിന് മുമ്പ് AMC 28.84% ഡിവിഡന്റ് വിതരണ നികുതി (DDT) നൽകണം. എ വഴി ലഭിച്ച ലാഭവിഹിതംഡെറ്റ് ഫണ്ട് യൂണിറ്റ് ഉടമയും നികുതി രഹിതമാണ്.

AY 2018-19-ലെ NRI-കളുടെ MF റിഡീംഷനുകൾക്ക് ബാധകമായ TDS നിരക്ക് ചുവടെയുണ്ട്.

മ്യൂച്വൽ ഫണ്ടുകളുടെ NRI നികുതി- മൂലധന നേട്ട നികുതി നിരക്കുകൾ- FY 2017/2018 (AY- 2018-19)

NRIകളും TDS നിരക്കും പ്രകാരം മ്യൂച്വൽ ഫണ്ട് വീണ്ടെടുക്കലുകൾ STCG & TDS നിരക്ക് LTCG & TDS നിരക്ക്
MF സ്കീമിന്റെ തരം
ഇക്വിറ്റി ഓറിയന്റഡ് ഫണ്ടുകൾ 15% ഇല്ല
ഡെറ്റ് ഫണ്ടുകൾ 30% ലിസ്‌റ്റ് ചെയ്‌ത ഫണ്ടുകളിൽ- 20% (ഇൻഡക്‌സേഷനോട് കൂടി), ലിസ്‌റ്റ് ചെയ്യാത്ത ഫണ്ടുകൾ- 10% (ഇൻഡക്‌സേഷൻ ഇല്ലാതെ)

മലേഷ്യ അധിഷ്ഠിത-എൻആർഐകൾക്കായി നിക്ഷേപിക്കുന്നതിനുള്ള മികച്ച മ്യൂച്വൽ ഫണ്ടുകൾ

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2024 (%)Sub Cat.
UTI Banking & PSU Debt Fund Growth ₹22.3163
↑ 0.01
₹8131.44.187.57.17.6 Banking & PSU Debt
UTI Dynamic Bond Fund Growth ₹31.1358
↑ 0.05
₹4630.22.35.86.98.48.6 Dynamic Bond
Sundaram Rural and Consumption Fund Growth ₹98.3839
↑ 0.59
₹1,599-0.610.1-7.715.219.320.1 Sectoral
BNP Paribas Multi Cap Fund Growth ₹73.5154
↓ -0.01
₹588-4.6-2.619.317.313.6 Multi Cap
UTI Money Market Fund Growth ₹3,139.6
↑ 1.10
₹19,4961.53.87.87.66.17.7 Money Market
UTI Treasury Advantage Fund Growth ₹3,610.42
↑ 0.86
₹3,1251.53.97.87.57.17.7 Low Duration
UTI Short Term Income Fund Growth ₹32.224
↑ 0.03
₹3,2511.23.77.67.577.9 Short term Bond
UTI Ultra Short Term Fund Growth ₹4,303.82
↑ 1.55
₹4,1811.43.376.96.17.2 Ultrashort Bond
UTI Bond Fund Growth ₹73.729
↑ 0.14
₹3240.22.15.77.18.18.5 Medium to Long term
UTI Gilt Fund Growth ₹62.8459
↑ 0.20
₹565-0.20.94.475.38.9 Government Bond
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 1 Oct 25

Research Highlights & Commentary of 10 Funds showcased

CommentaryUTI Banking & PSU Debt FundUTI Dynamic Bond FundSundaram Rural and Consumption FundBNP Paribas Multi Cap FundUTI Money Market FundUTI Treasury Advantage FundUTI Short Term Income FundUTI Ultra Short Term FundUTI Bond FundUTI Gilt Fund
Point 1Lower mid AUM (₹813 Cr).Bottom quartile AUM (₹463 Cr).Upper mid AUM (₹1,599 Cr).Lower mid AUM (₹588 Cr).Highest AUM (₹19,496 Cr).Upper mid AUM (₹3,125 Cr).Upper mid AUM (₹3,251 Cr).Top quartile AUM (₹4,181 Cr).Bottom quartile AUM (₹324 Cr).Bottom quartile AUM (₹565 Cr).
Point 2Established history (11+ yrs).Established history (15+ yrs).Established history (19+ yrs).Established history (20+ yrs).Established history (16+ yrs).Established history (18+ yrs).Established history (18+ yrs).Established history (22+ yrs).Oldest track record among peers (27 yrs).Established history (23+ yrs).
Point 3Top rated.Rating: 5★ (top quartile).Rating: 5★ (upper mid).Rating: 4★ (upper mid).Rating: 4★ (upper mid).Rating: 4★ (lower mid).Rating: 4★ (lower mid).Rating: 4★ (bottom quartile).Rating: 4★ (bottom quartile).Rating: 4★ (bottom quartile).
Point 4Risk profile: Moderate.Risk profile: Moderate.Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Low.Risk profile: Moderately Low.Risk profile: Moderate.Risk profile: Moderately Low.Risk profile: Moderate.Risk profile: Moderate.
Point 51Y return: 7.95% (top quartile).1Y return: 5.79% (lower mid).5Y return: 19.31% (top quartile).5Y return: 13.57% (top quartile).1Y return: 7.79% (upper mid).1Y return: 7.79% (upper mid).1Y return: 7.63% (upper mid).1Y return: 6.95% (lower mid).1Y return: 5.71% (bottom quartile).1Y return: 4.43% (bottom quartile).
Point 61M return: 0.60% (upper mid).1M return: 0.92% (top quartile).3Y return: 15.19% (top quartile).3Y return: 17.28% (top quartile).1M return: 0.51% (lower mid).1M return: 0.56% (lower mid).1M return: 0.57% (upper mid).1M return: 0.48% (bottom quartile).1M return: 0.88% (upper mid).1M return: 1.37% (top quartile).
Point 7Sharpe: 1.46 (upper mid).Sharpe: -0.08 (lower mid).1Y return: -7.66% (bottom quartile).1Y return: 19.34% (top quartile).Sharpe: 3.22 (top quartile).Sharpe: 2.55 (upper mid).Sharpe: 1.20 (lower mid).Sharpe: 1.96 (upper mid).Sharpe: -0.10 (bottom quartile).Sharpe: -0.44 (bottom quartile).
Point 8Information ratio: 0.00 (top quartile).Information ratio: 0.00 (top quartile).Alpha: -2.82 (bottom quartile).Alpha: 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).Information ratio: 0.00 (bottom quartile).
Point 9Yield to maturity (debt): 6.61% (lower mid).Yield to maturity (debt): 7.15% (upper mid).Sharpe: -0.36 (bottom quartile).Sharpe: 2.86 (top quartile).Yield to maturity (debt): 6.22% (bottom quartile).Yield to maturity (debt): 6.69% (upper mid).Yield to maturity (debt): 6.82% (upper mid).Yield to maturity (debt): 6.40% (lower mid).Yield to maturity (debt): 7.20% (top quartile).Yield to maturity (debt): 7.27% (top quartile).
Point 10Modified duration: 1.70 yrs (lower mid).Modified duration: 7.16 yrs (bottom quartile).Information ratio: -0.05 (bottom quartile).Information ratio: 0.00 (upper mid).Modified duration: 0.49 yrs (upper mid).Modified duration: 0.95 yrs (upper mid).Modified duration: 2.53 yrs (lower mid).Modified duration: 0.41 yrs (upper mid).Modified duration: 5.44 yrs (bottom quartile).Modified duration: 9.87 yrs (bottom quartile).

UTI Banking & PSU Debt Fund

  • Lower mid AUM (₹813 Cr).
  • Established history (11+ yrs).
  • Top rated.
  • Risk profile: Moderate.
  • 1Y return: 7.95% (top quartile).
  • 1M return: 0.60% (upper mid).
  • Sharpe: 1.46 (upper mid).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 6.61% (lower mid).
  • Modified duration: 1.70 yrs (lower mid).

UTI Dynamic Bond Fund

  • Bottom quartile AUM (₹463 Cr).
  • Established history (15+ yrs).
  • Rating: 5★ (top quartile).
  • Risk profile: Moderate.
  • 1Y return: 5.79% (lower mid).
  • 1M return: 0.92% (top quartile).
  • Sharpe: -0.08 (lower mid).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 7.15% (upper mid).
  • Modified duration: 7.16 yrs (bottom quartile).

Sundaram Rural and Consumption Fund

  • Upper mid AUM (₹1,599 Cr).
  • Established history (19+ yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 19.31% (top quartile).
  • 3Y return: 15.19% (top quartile).
  • 1Y return: -7.66% (bottom quartile).
  • Alpha: -2.82 (bottom quartile).
  • Sharpe: -0.36 (bottom quartile).
  • Information ratio: -0.05 (bottom quartile).

BNP Paribas Multi Cap Fund

  • Lower mid AUM (₹588 Cr).
  • Established history (20+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 13.57% (top quartile).
  • 3Y return: 17.28% (top quartile).
  • 1Y return: 19.34% (top quartile).
  • Alpha: 0.00 (upper mid).
  • Sharpe: 2.86 (top quartile).
  • Information ratio: 0.00 (upper mid).

UTI Money Market Fund

  • Highest AUM (₹19,496 Cr).
  • Established history (16+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 7.79% (upper mid).
  • 1M return: 0.51% (lower mid).
  • Sharpe: 3.22 (top quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 6.22% (bottom quartile).
  • Modified duration: 0.49 yrs (upper mid).

UTI Treasury Advantage Fund

  • Upper mid AUM (₹3,125 Cr).
  • Established history (18+ yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: Moderately Low.
  • 1Y return: 7.79% (upper mid).
  • 1M return: 0.56% (lower mid).
  • Sharpe: 2.55 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 6.69% (upper mid).
  • Modified duration: 0.95 yrs (upper mid).

UTI Short Term Income Fund

  • Upper mid AUM (₹3,251 Cr).
  • Established history (18+ yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: Moderate.
  • 1Y return: 7.63% (upper mid).
  • 1M return: 0.57% (upper mid).
  • Sharpe: 1.20 (lower mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 6.82% (upper mid).
  • Modified duration: 2.53 yrs (lower mid).

UTI Ultra Short Term Fund

  • Top quartile AUM (₹4,181 Cr).
  • Established history (22+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 6.95% (lower mid).
  • 1M return: 0.48% (bottom quartile).
  • Sharpe: 1.96 (upper mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 6.40% (lower mid).
  • Modified duration: 0.41 yrs (upper mid).

UTI Bond Fund

  • Bottom quartile AUM (₹324 Cr).
  • Oldest track record among peers (27 yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderate.
  • 1Y return: 5.71% (bottom quartile).
  • 1M return: 0.88% (upper mid).
  • Sharpe: -0.10 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 7.20% (top quartile).
  • Modified duration: 5.44 yrs (bottom quartile).

UTI Gilt Fund

  • Bottom quartile AUM (₹565 Cr).
  • Established history (23+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderate.
  • 1Y return: 4.43% (bottom quartile).
  • 1M return: 1.37% (top quartile).
  • Sharpe: -0.44 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 7.27% (top quartile).
  • Modified duration: 9.87 yrs (bottom quartile).

1. UTI Banking & PSU Debt Fund

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

Research Highlights for UTI Banking & PSU Debt Fund

  • Lower mid AUM (₹813 Cr).
  • Established history (11+ yrs).
  • Top rated.
  • Risk profile: Moderate.
  • 1Y return: 7.95% (top quartile).
  • 1M return: 0.60% (upper mid).
  • Sharpe: 1.46 (upper mid).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 6.61% (lower mid).
  • Modified duration: 1.70 yrs (lower mid).
  • Average maturity: 1.94 yrs (lower mid).
  • Exit load: NIL.
  • Top bond sector: Corporate.
  • Debt-heavy allocation (~94%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding 7.38% Govt Stock 2027 (~11.4%).

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

UTI Banking & PSU Debt Fund
Growth
Launch Date 3 Feb 14
NAV (01 Oct 25) ₹22.3163 ↑ 0.01   (0.04 %)
Net Assets (Cr) ₹813 on 31 Aug 25
Category Debt - Banking & PSU Debt
AMC UTI Asset Management Company Ltd
Rating
Risk Moderate
Expense Ratio 0.54
Sharpe Ratio 1.46
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.61%
Effective Maturity 1 Year 11 Months 8 Days
Modified Duration 1 Year 8 Months 12 Days

Growth of 10,000 investment over the years.

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

UTI Banking & PSU Debt Fund SIP Returns

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

Returns for UTI Banking & PSU Debt Fund

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

DurationReturns
1 Month 0.6%
3 Month 1.4%
6 Month 4.1%
1 Year 8%
3 Year 7.5%
5 Year 7.1%
10 Year
15 Year
Since launch 7.1%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.6%
2023 6.7%
2022 10.3%
2021 2.8%
2020 8.9%
2019 -1%
2018 6.8%
2017 6.4%
2016 11.7%
2015 8.6%
Fund Manager information for UTI Banking & PSU Debt Fund
NameSinceTenure
Anurag Mittal1 Dec 213.75 Yr.

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

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

2. UTI Dynamic Bond Fund

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

Research Highlights for UTI Dynamic Bond Fund

  • Bottom quartile AUM (₹463 Cr).
  • Established history (15+ yrs).
  • Rating: 5★ (top quartile).
  • Risk profile: Moderate.
  • 1Y return: 5.79% (lower mid).
  • 1M return: 0.92% (top quartile).
  • Sharpe: -0.08 (lower mid).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 7.15% (upper mid).
  • Modified duration: 7.16 yrs (bottom quartile).
  • Average maturity: 15.27 yrs (bottom quartile).
  • Exit load: NIL.
  • Higher exposure to Government (bond sector) vs peer median.
  • Debt-heavy allocation (~96%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding 7.34% Govt Stock 2064 (~13.0%).

Below is the key information for UTI Dynamic Bond Fund

UTI Dynamic Bond Fund
Growth
Launch Date 16 Jun 10
NAV (01 Oct 25) ₹31.1358 ↑ 0.05   (0.16 %)
Net Assets (Cr) ₹463 on 31 Aug 25
Category Debt - Dynamic Bond
AMC UTI Asset Management Company Ltd
Rating
Risk Moderate
Expense Ratio 1.54
Sharpe Ratio -0.08
Information Ratio 0
Alpha Ratio 0
Min Investment 10,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 7.15%
Effective Maturity 15 Years 3 Months 7 Days
Modified Duration 7 Years 1 Month 28 Days

Growth of 10,000 investment over the years.

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

UTI Dynamic Bond Fund SIP Returns

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

Returns for UTI Dynamic Bond Fund

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

DurationReturns
1 Month 0.9%
3 Month 0.2%
6 Month 2.3%
1 Year 5.8%
3 Year 6.9%
5 Year 8.4%
10 Year
15 Year
Since launch 7.7%
Historical performance (Yearly) on absolute basis
YearReturns
2024 8.6%
2023 6.2%
2022 10.1%
2021 10.8%
2020 5.9%
2019 -3.9%
2018 5.2%
2017 4.2%
2016 14.9%
2015 6.9%
Fund Manager information for UTI Dynamic Bond Fund
NameSinceTenure
Pankaj Pathak8 Apr 250.4 Yr.

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

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

3. Sundaram Rural and Consumption Fund

(Erstwhile Sundaram Rural India Fund)

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

Research Highlights for Sundaram Rural and Consumption Fund

  • Upper mid AUM (₹1,599 Cr).
  • Established history (19+ yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 19.31% (top quartile).
  • 3Y return: 15.19% (top quartile).
  • 1Y return: -7.66% (bottom quartile).
  • Alpha: -2.82 (bottom quartile).
  • Sharpe: -0.36 (bottom quartile).
  • Information ratio: -0.05 (bottom quartile).
  • Higher exposure to Consumer Cyclical vs peer median.
  • Top bond sector: Cash Equivalent.
  • Equity-heavy allocation (~95%).
  • Largest holding Bharti Airtel Ltd (~9.3%).

Below is the key information for Sundaram Rural and Consumption Fund

Sundaram Rural and Consumption Fund
Growth
Launch Date 12 May 06
NAV (01 Oct 25) ₹98.3839 ↑ 0.59   (0.60 %)
Net Assets (Cr) ₹1,599 on 31 Aug 25
Category Equity - Sectoral
AMC Sundaram Asset Management Company Ltd
Rating
Risk Moderately High
Expense Ratio 2.18
Sharpe Ratio -0.36
Information Ratio -0.05
Alpha Ratio -2.82
Min Investment 5,000
Min SIP Investment 100
Exit Load 0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

DateValue
30 Sep 20₹10,000
30 Sep 21₹14,368
30 Sep 22₹15,819
30 Sep 23₹18,189
30 Sep 24₹26,183
30 Sep 25₹24,178

Sundaram Rural and Consumption Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹493,520.
Net Profit of ₹193,520
Invest Now

Returns for Sundaram Rural and Consumption Fund

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

DurationReturns
1 Month -0.9%
3 Month -0.6%
6 Month 10.1%
1 Year -7.7%
3 Year 15.2%
5 Year 19.3%
10 Year
15 Year
Since launch 12.5%
Historical performance (Yearly) on absolute basis
YearReturns
2024 20.1%
2023 30.2%
2022 9.3%
2021 19.3%
2020 13.5%
2019 2.7%
2018 -7.8%
2017 38.7%
2016 21.1%
2015 6.3%
Fund Manager information for Sundaram Rural and Consumption Fund
NameSinceTenure
Ratish Varier1 Jan 223.67 Yr.

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

Equity Sector Allocation
SectorValue
Consumer Cyclical42.39%
Consumer Defensive31.06%
Communication Services11.17%
Health Care3.76%
Financial Services2.87%
Real Estate1.85%
Basic Materials1.52%
Asset Allocation
Asset ClassValue
Cash5.38%
Equity94.61%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Oct 22 | BHARTIARTL
9%₹149 Cr789,519
Mahindra & Mahindra Ltd (Consumer Cyclical)
Equity, Since 30 Apr 22 | M&M
8%₹133 Cr416,173
↑ 25,453
ITC Ltd (Consumer Defensive)
Equity, Since 31 Jul 13 | ITC
8%₹126 Cr3,085,016
Hindustan Unilever Ltd (Consumer Defensive)
Equity, Since 30 Apr 16 | HINDUNILVR
7%₹117 Cr440,212
Eternal Ltd (Consumer Cyclical)
Equity, Since 31 May 24 | 543320
6%₹91 Cr2,892,836
Titan Co Ltd (Consumer Cyclical)
Equity, Since 29 Feb 20 | TITAN
5%₹77 Cr212,692
Maruti Suzuki India Ltd (Consumer Cyclical)
Equity, Since 31 Jul 12 | MARUTI
4%₹66 Cr44,812
↓ -5,699
Apollo Hospitals Enterprise Ltd (Healthcare)
Equity, Since 31 Jul 22 | APOLLOHOSP
4%₹60 Cr79,027
Safari Industries (India) Ltd (Consumer Cyclical)
Equity, Since 28 Feb 22 | 523025
3%₹48 Cr225,560
Trent Ltd (Consumer Cyclical)
Equity, Since 29 Feb 24 | TRENT
3%₹47 Cr89,438

4. BNP Paribas Multi Cap Fund

(Erstwhile BNP Paribas Dividend Yield Fund)

The investment objective of the scheme is to generate long term capital growth from an actively managed portfolio of equity and equity related securities, primarily being high dividend yield stocks. High dividend yield stocks are defined as stocks of companies that have a dividend yield in excess of 0.5%, at the time of investment. However, there can be no assurance that the investment objective of the Scheme will be achieved. The Scheme does not guarantee / indicate any returns.

Research Highlights for BNP Paribas Multi Cap Fund

  • Lower mid AUM (₹588 Cr).
  • Established history (20+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 13.57% (top quartile).
  • 3Y return: 17.28% (top quartile).
  • 1Y return: 19.34% (top quartile).
  • Alpha: 0.00 (upper mid).
  • Sharpe: 2.86 (top quartile).
  • Information ratio: 0.00 (upper mid).

Below is the key information for BNP Paribas Multi Cap Fund

BNP Paribas Multi Cap Fund
Growth
Launch Date 15 Sep 05
NAV (13 Mar 22) ₹73.5154 ↓ -0.01   (-0.01 %)
Net Assets (Cr) ₹588 on 31 Jan 22
Category Equity - Multi Cap
AMC BNP Paribas Asset Mgmt India Pvt. Ltd
Rating
Risk Moderately High
Expense Ratio 2.44
Sharpe Ratio 2.86
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 300
Exit Load 0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

DateValue
30 Sep 20₹10,000
30 Sep 21₹16,702

BNP Paribas Multi Cap Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹426,080.
Net Profit of ₹126,080
Invest Now

Returns for BNP Paribas Multi Cap Fund

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

DurationReturns
1 Month -4.4%
3 Month -4.6%
6 Month -2.6%
1 Year 19.3%
3 Year 17.3%
5 Year 13.6%
10 Year
15 Year
Since launch 12.9%
Historical performance (Yearly) on absolute basis
YearReturns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
Fund Manager information for BNP Paribas Multi Cap Fund
NameSinceTenure

Data below for BNP Paribas Multi Cap Fund as on 31 Jan 22

Equity Sector Allocation
SectorValue
Asset Allocation
Asset ClassValue
Top Securities Holdings / Portfolio
NameHoldingValueQuantity

5. UTI Money Market Fund

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

Research Highlights for UTI Money Market Fund

  • Highest AUM (₹19,496 Cr).
  • Established history (16+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 7.79% (upper mid).
  • 1M return: 0.51% (lower mid).
  • Sharpe: 3.22 (top quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 6.22% (bottom quartile).
  • Modified duration: 0.49 yrs (upper mid).
  • Average maturity: 0.49 yrs (upper mid).
  • Exit load: NIL.
  • Top sector: Real Estate.
  • Top bond sector: Corporate.
  • Conservative stance with elevated cash (~85%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding 364 Days Tbill (Md 05/03/2026) (~2.5%).

Below is the key information for UTI Money Market Fund

UTI Money Market Fund
Growth
Launch Date 13 Jul 09
NAV (01 Oct 25) ₹3,139.6 ↑ 1.10   (0.04 %)
Net Assets (Cr) ₹19,496 on 31 Aug 25
Category Debt - Money Market
AMC UTI Asset Management Company Ltd
Rating
Risk Low
Expense Ratio 0.25
Sharpe Ratio 3.22
Information Ratio 0
Alpha Ratio 0
Min Investment 10,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.22%
Effective Maturity 5 Months 28 Days
Modified Duration 5 Months 27 Days

Growth of 10,000 investment over the years.

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

UTI Money Market Fund SIP Returns

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

Returns for UTI Money Market Fund

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

DurationReturns
1 Month 0.5%
3 Month 1.5%
6 Month 3.8%
1 Year 7.8%
3 Year 7.6%
5 Year 6.1%
10 Year
15 Year
Since launch 7.3%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.7%
2023 7.4%
2022 4.9%
2021 3.7%
2020 6%
2019 8%
2018 7.8%
2017 6.7%
2016 7.7%
2015 8.4%
Fund Manager information for UTI Money Market Fund
NameSinceTenure
Anurag Mittal1 Dec 213.75 Yr.
Amit Sharma7 Jul 178.16 Yr.

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

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

6. UTI Treasury Advantage Fund

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

Research Highlights for UTI Treasury Advantage Fund

  • Upper mid AUM (₹3,125 Cr).
  • Established history (18+ yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: Moderately Low.
  • 1Y return: 7.79% (upper mid).
  • 1M return: 0.56% (lower mid).
  • Sharpe: 2.55 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 6.69% (upper mid).
  • Modified duration: 0.95 yrs (upper mid).
  • Average maturity: 1.11 yrs (upper mid).
  • Exit load: NIL.
  • Higher exposure to Corporate (bond sector) vs peer median.
  • Debt-heavy allocation (~78%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding Power Finance Corporation Limited (~4.8%).

Below is the key information for UTI Treasury Advantage Fund

UTI Treasury Advantage Fund
Growth
Launch Date 23 Apr 07
NAV (01 Oct 25) ₹3,610.42 ↑ 0.86   (0.02 %)
Net Assets (Cr) ₹3,125 on 31 Aug 25
Category Debt - Low Duration
AMC UTI Asset Management Company Ltd
Rating
Risk Moderately Low
Expense Ratio 0.45
Sharpe Ratio 2.55
Information Ratio 0
Alpha Ratio 0
Min Investment 10,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.69%
Effective Maturity 1 Year 1 Month 10 Days
Modified Duration 11 Months 12 Days

Growth of 10,000 investment over the years.

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

UTI Treasury Advantage Fund SIP Returns

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

Returns for UTI Treasury Advantage Fund

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

DurationReturns
1 Month 0.6%
3 Month 1.5%
6 Month 3.9%
1 Year 7.8%
3 Year 7.5%
5 Year 7.1%
10 Year
15 Year
Since launch 7.2%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.7%
2023 7.1%
2022 4.5%
2021 9%
2020 7.3%
2019 -4.2%
2018 7.3%
2017 7%
2016 8.9%
2015 8.8%
Fund Manager information for UTI Treasury Advantage Fund
NameSinceTenure
Anurag Mittal1 Dec 213.75 Yr.

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

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

7. UTI Short Term Income Fund

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

Research Highlights for UTI Short Term Income Fund

  • Upper mid AUM (₹3,251 Cr).
  • Established history (18+ yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: Moderate.
  • 1Y return: 7.63% (upper mid).
  • 1M return: 0.57% (upper mid).
  • Sharpe: 1.20 (lower mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 6.82% (upper mid).
  • Modified duration: 2.53 yrs (lower mid).
  • Average maturity: 3.22 yrs (lower mid).
  • Exit load: NIL.
  • Higher exposure to Corporate (bond sector) vs peer median.
  • Debt-heavy allocation (~85%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding 6.79% Govt Stock 2034 (~9.5%).

Below is the key information for UTI Short Term Income Fund

UTI Short Term Income Fund
Growth
Launch Date 19 Sep 07
NAV (01 Oct 25) ₹32.224 ↑ 0.03   (0.09 %)
Net Assets (Cr) ₹3,251 on 31 Aug 25
Category Debt - Short term Bond
AMC UTI Asset Management Company Ltd
Rating
Risk Moderate
Expense Ratio 0.85
Sharpe Ratio 1.2
Information Ratio 0
Alpha Ratio 0
Min Investment 10,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.82%
Effective Maturity 3 Years 2 Months 19 Days
Modified Duration 2 Years 6 Months 11 Days

Growth of 10,000 investment over the years.

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

UTI Short Term Income Fund SIP Returns

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

Returns for UTI Short Term Income Fund

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

DurationReturns
1 Month 0.6%
3 Month 1.2%
6 Month 3.7%
1 Year 7.6%
3 Year 7.5%
5 Year 7%
10 Year
15 Year
Since launch 6.7%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.9%
2023 6.9%
2022 3.8%
2021 8.4%
2020 10.5%
2019 -3.9%
2018 6%
2017 6.1%
2016 10.1%
2015 8.3%
Fund Manager information for UTI Short Term Income Fund
NameSinceTenure
Anurag Mittal8 Apr 250.4 Yr.
Sudhir Agarwal25 Oct 1212.86 Yr.

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

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

8. UTI Ultra Short Term Fund

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

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

Research Highlights for UTI Ultra Short Term Fund

  • Top quartile AUM (₹4,181 Cr).
  • Established history (22+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 6.95% (lower mid).
  • 1M return: 0.48% (bottom quartile).
  • Sharpe: 1.96 (upper mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 6.40% (lower mid).
  • Modified duration: 0.41 yrs (upper mid).
  • Average maturity: 0.47 yrs (upper mid).
  • Exit load: NIL.
  • Higher exposure to Financial Services vs peer median.
  • Top bond sector: Corporate.
  • Conservative stance with elevated cash (~59%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding Shriram Finance Limited (~2.4%).

Below is the key information for UTI Ultra Short Term Fund

UTI Ultra Short Term Fund
Growth
Launch Date 29 Aug 03
NAV (01 Oct 25) ₹4,303.82 ↑ 1.55   (0.04 %)
Net Assets (Cr) ₹4,181 on 31 Aug 25
Category Debt - Ultrashort Bond
AMC UTI Asset Management Company Ltd
Rating
Risk Moderately Low
Expense Ratio 0.93
Sharpe Ratio 1.96
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.4%
Effective Maturity 5 Months 19 Days
Modified Duration 4 Months 28 Days

Growth of 10,000 investment over the years.

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

UTI Ultra Short Term Fund SIP Returns

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

Returns for UTI Ultra Short Term Fund

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

DurationReturns
1 Month 0.5%
3 Month 1.4%
6 Month 3.3%
1 Year 7%
3 Year 6.9%
5 Year 6.1%
10 Year
15 Year
Since launch 6.8%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.2%
2023 6.7%
2022 4.2%
2021 6.1%
2020 5.3%
2019 3.3%
2018 7%
2017 6.6%
2016 8.9%
2015 8.5%
Fund Manager information for UTI Ultra Short Term Fund
NameSinceTenure
Anurag Mittal21 Jan 250.61 Yr.

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

Asset Allocation
Asset ClassValue
Cash58.86%
Debt40.84%
Other0.3%
Debt Sector Allocation
SectorValue
Corporate57.66%
Cash Equivalent33.19%
Government8.85%
Credit Quality
RatingValue
AA15.73%
AAA84.27%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Shriram Finance Limited
Debentures | -
2%₹101 Cr10,000
National Bank For Agriculture And Rural Development
Debentures | -
2%₹101 Cr10,000
LIC Housing Finance Ltd
Debentures | -
2%₹100 Cr1,000
182 Days Tbill
Sovereign Bonds | -
2%₹100 Cr1,000,000,000
91 Days Tbill (Md 28/08/2025)
Sovereign Bonds | -
2%₹100 Cr1,000,000,000
Cp Jsw Energy Ltd.
Debentures | -
2%₹97 Cr1,000,000,000
↑ 1,000,000,000
National Bank For Agriculture And Rural Development
Debentures | -
2%₹75 Cr7,500
Bajaj Housing Finance Limited
Debentures | -
2%₹75 Cr750
Small Industries Development Bank Of India
Debentures | -
2%₹75 Cr750
Jamnagar Utilities & Power Private Limited
Debentures | -
2%₹75 Cr750
↑ 750

9. UTI Bond Fund

(Erstwhile UTI - Bond Fund)

The Scheme will retain the flexibility to invest in the entire range of debt and money market instruments. The flexibility is being retained to adjust the portfolio in response to a change in the risk to return equation for asset classes under investment, with a view to maintain risks within manageable limits.

Research Highlights for UTI Bond Fund

  • Bottom quartile AUM (₹324 Cr).
  • Oldest track record among peers (27 yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderate.
  • 1Y return: 5.71% (bottom quartile).
  • 1M return: 0.88% (upper mid).
  • Sharpe: -0.10 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 7.20% (top quartile).
  • Modified duration: 5.44 yrs (bottom quartile).
  • Average maturity: 9.32 yrs (bottom quartile).
  • Exit load: NIL.
  • Top sector: Financial Services.
  • Higher exposure to Government (bond sector) vs peer median.
  • Debt-heavy allocation (~96%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding 6.92% Govt Stock 2039 (~36.9%).
  • Top-3 holdings concentration ~52.5%.

Below is the key information for UTI Bond Fund

UTI Bond Fund
Growth
Launch Date 4 May 98
NAV (01 Oct 25) ₹73.729 ↑ 0.14   (0.19 %)
Net Assets (Cr) ₹324 on 31 Aug 25
Category Debt - Medium to Long term
AMC UTI Asset Management Company Ltd
Rating
Risk Moderate
Expense Ratio 1.62
Sharpe Ratio -0.1
Information Ratio 0
Alpha Ratio 0
Min Investment 1,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 7.2%
Effective Maturity 9 Years 3 Months 25 Days
Modified Duration 5 Years 5 Months 8 Days

Growth of 10,000 investment over the years.

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

UTI Bond Fund SIP Returns

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

Returns for UTI Bond Fund

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

DurationReturns
1 Month 0.9%
3 Month 0.2%
6 Month 2.1%
1 Year 5.7%
3 Year 7.1%
5 Year 8.1%
10 Year
15 Year
Since launch 7.6%
Historical performance (Yearly) on absolute basis
YearReturns
2024 8.5%
2023 6.4%
2022 9.9%
2021 9.4%
2020 1.1%
2019 -5.8%
2018 4%
2017 3.6%
2016 13.9%
2015 6.3%
Fund Manager information for UTI Bond Fund
NameSinceTenure
Sunil Patil17 Apr 232.38 Yr.

Data below for UTI Bond Fund as on 31 Aug 25

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

10. UTI Gilt Fund

(Erstwhile UTI Gilt Advantage Fund- LTP)

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

Research Highlights for UTI Gilt Fund

  • Bottom quartile AUM (₹565 Cr).
  • Established history (23+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderate.
  • 1Y return: 4.43% (bottom quartile).
  • 1M return: 1.37% (top quartile).
  • Sharpe: -0.44 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 7.27% (top quartile).
  • Modified duration: 9.87 yrs (bottom quartile).
  • Average maturity: 26.01 yrs (bottom quartile).
  • Exit load: NIL.
  • Higher exposure to Government (bond sector) vs peer median.
  • Debt-heavy allocation (~95%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding 7.34% Govt Stock 2064 (~37.4%).
  • Top-3 holdings concentration ~66.7%.

Below is the key information for UTI Gilt Fund

UTI Gilt Fund
Growth
Launch Date 21 Jan 02
NAV (01 Oct 25) ₹62.8459 ↑ 0.20   (0.31 %)
Net Assets (Cr) ₹565 on 31 Aug 25
Category Debt - Government Bond
AMC UTI Asset Management Company Ltd
Rating
Risk Moderate
Expense Ratio 0.92
Sharpe Ratio -0.44
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 7.27%
Effective Maturity 26 Years 4 Days
Modified Duration 9 Years 10 Months 13 Days

Growth of 10,000 investment over the years.

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

UTI Gilt Fund SIP Returns

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

Returns for UTI Gilt Fund

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

DurationReturns
1 Month 1.4%
3 Month -0.2%
6 Month 0.9%
1 Year 4.4%
3 Year 7%
5 Year 5.3%
10 Year
15 Year
Since launch 8.1%
Historical performance (Yearly) on absolute basis
YearReturns
2024 8.9%
2023 6.7%
2022 2.9%
2021 2.3%
2020 10.3%
2019 11.8%
2018 6.3%
2017 4.3%
2016 15.5%
2015 6.1%
Fund Manager information for UTI Gilt Fund
NameSinceTenure
Pankaj Pathak8 Apr 250.4 Yr.

Data below for UTI Gilt Fund as on 31 Aug 25

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

മ്യൂച്വൽ ഫണ്ടുകളിൽ ഓൺലൈനിൽ എങ്ങനെ നിക്ഷേപിക്കാം?

  1. Fincash.com-ൽ ആജീവനാന്ത സൗജന്യ നിക്ഷേപ അക്കൗണ്ട് തുറക്കുക.

  2. നിങ്ങളുടെ രജിസ്ട്രേഷനും KYC പ്രക്രിയയും പൂർത്തിയാക്കുക

  3. രേഖകൾ അപ്‌ലോഡ് ചെയ്യുക (പാൻ, ആധാർ മുതലായവ).കൂടാതെ, നിങ്ങൾ നിക്ഷേപിക്കാൻ തയ്യാറാണ്!

    തുടങ്ങി

Disclaimer:
ഇവിടെ നൽകിയിരിക്കുന്ന വിവരങ്ങൾ കൃത്യമാണെന്ന് ഉറപ്പാക്കാൻ എല്ലാ ശ്രമങ്ങളും നടത്തിയിട്ടുണ്ട്. എന്നിരുന്നാലും, ഡാറ്റയുടെ കൃത്യത സംബന്ധിച്ച് യാതൊരു ഉറപ്പും നൽകുന്നില്ല. എന്തെങ്കിലും നിക്ഷേപം നടത്തുന്നതിന് മുമ്പ് സ്കീം വിവര രേഖ ഉപയോഗിച്ച് പരിശോധിക്കുക.
How helpful was this page ?
Rated 5, based on 1 reviews.
POST A COMMENT