2022 साठी 10 सर्वोत्तम UTI म्युच्युअल फंड योजना

Updated on May 10, 2026 , 16820 views

UTI म्युच्युअल फंड, भारतातील अग्रगण्य वित्तीय संस्थांपैकी एक, गुंतवणूकदारांमध्ये प्रचंड विश्वास संपादन केला आहे. दAMC साठी अनेक पुरस्कार मिळाले आहेतअर्पण नाविन्यपूर्ण आणि स्थिर परतावा देणाराम्युच्युअल फंड त्याच्या स्थापनेपासून.

गुंतवणूकदारांना पद्धतशीर ठेवण्यास मदत करण्यासाठीमालमत्ता वाटप योजना, एएमसी व्यापकतेवर आधारित उत्तम-विविध आणि संतुलित गुंतवणूक पोर्टफोलिओ ऑफर करतेबाजार संशोधन गुंतवणूकदार अनेक योजनांमध्ये गुंतवणूक करू शकतात जसे- इक्विटी, कर्ज, संतुलित,लिक्विड फंड, इ.

तुम्ही तुमच्या विविध उद्दिष्टांची योजना करू शकता जसे की संपत्ती निर्मिती,निवृत्ती नियोजन, मुलाचे उच्च शिक्षण, कर बचत इ., द्वारेगुंतवणूक या योजनांमध्ये.

सर्वोत्तम UTI म्युच्युअल फंड योजनांमध्ये गुंतवणूक का करावी?

a सुरक्षितता

UTI म्युच्युअल फंड नेहमीच सुरक्षिततेसाठी प्रयत्नशील असतोगुंतवणूकदारचे पैसे आणि साठीभांडवल विवेकपूर्ण पद्धतीने गुंतवणूक करून कौतुक.

b सातत्यपूर्ण परतावा

UTI म्युच्युअल फंड त्यांच्या गुंतवणूकदारांना सातत्यपूर्ण परतावा देण्यासाठी नेहमीच प्रयत्नशील असतो जेणेकरून ते त्यांचे उद्दिष्ट साध्य करू शकतील.

c सहज प्रवेश

गुंतवणूकदार कधीही आणि कुठेही ऑनलाइन त्यांच्या म्युच्युअल फंड खात्याचे परीक्षण करू शकतात आणि त्यात प्रवेश करू शकतात. तसेच, फंड हाऊससह व्यवहार आणि परस्परसंवाद प्रक्रिया देखील त्रास-मुक्त आणि वापरकर्ता-अनुकूल आहे.

d निवृत्ती नियोजन

UTI योजना गुंतवणुकदारांना त्यांच्या भविष्यासाठी नियोजन करण्यास मदत करतात. हे त्यांना सेवानिवृत्ती योजनांचे मॅपिंग करण्यात मदत करते आणि गुंतवणूकदारांना मदत करण्यासाठी UTI – सेवानिवृत्ती लाभ पेन्शन फंड गुंतवणूक सारख्या काही चांगल्या योजना आहेत.

ई कर लाभ

फंड हाऊस कर बचत म्युच्युअल फंड ऑफर करते ज्याद्वारे लोक त्यांच्यासाठी योजना करू शकतातकर. तसेच, इतर योजनांमध्ये, लोक योजनेच्या श्रेणीवर आधारित कर लाभांचा दावा करू शकतात.

गुंतवणुकीची योजना करत असलेले गुंतवणूकदार खाली सूचीबद्ध टॉप १० सर्वोत्तम UTI म्युच्युअल फंड योजनांमधून फंड निवडू शकतात. हे फंड एयूएम सारखे काही मापदंड हाती घेऊन शॉर्टलिस्ट केले गेले आहेत,नाही, मागील कामगिरी, समवयस्क सरासरी परतावा इ.

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सर्वोत्तम UTI म्युच्युअल फंड योजना

Fund	NAV	Net Assets (Cr)	Min Investment	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	Since launch (%)	2025 (%)
UTI Banking & PSU Debt Fund Growth	₹22.9944 ↓ -0.01	₹1,116	5,000	500	1.2	2.2	6	6.9	7.2	7	7.8
UTI Dynamic Bond Fund Growth	₹31.8886 ↓ -0.02	₹418	10,000	500	1	1.5	3.3	6.4	8.6	7.6	6
UTI Money Market Fund Growth	₹3,250.21 ↓ -0.72	₹18,344	10,000	500	1.4	2.8	6.4	7.3	6.4	7.3	7.5
UTI Treasury Advantage Fund Growth	₹3,733.32 ↓ -0.77	₹2,246	10,000	500	1.3	2.6	6.3	7.2	7.3	7.2	7.5
UTI Ultra Short Term Fund Growth	₹4,447.32 ↓ -0.02	₹3,130	5,000	500	1.4	2.7	5.9	6.7	6.3	6.8	6.6
UTI Short Term Income Fund Growth	₹32.9874 ↓ -0.01	₹2,359	10,000	500	0.7	1.5	5	6.8	6.9	6.6	7.3
UTI Gilt Fund Growth	₹64.758 ↓ -0.05	₹543	5,000	500	1.4	2.3	2.7	6.4	5.5	8	5.1
UTI Bond Fund Growth	₹74.4648 ↓ -0.05	₹300	1,000	500	0.3	0.1	1.6	5.5	7.9	7.4	5.6
UTI Regular Savings Fund Growth	₹69.0446 ↓ -0.41	₹1,617	5,000	500	-1.9	-2.1	1.5	8	8.2	9	6.1
UTI Transportation & Logistics Fund Growth	₹271.631 ↓ -6.48	₹3,487	5,000	500	-9.1	-7.9	8.6	19.3	18.5	16.1	19.5
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 12 May 26

Research Highlights & Commentary of 10 Funds showcased

Commentary	UTI Banking & PSU Debt Fund	UTI Dynamic Bond Fund	UTI Money Market Fund	UTI Treasury Advantage Fund	UTI Ultra Short Term Fund	UTI Short Term Income Fund	UTI Gilt Fund	UTI Bond Fund	UTI Regular Savings Fund	UTI Transportation & Logistics Fund
Point 1	Lower mid AUM (₹1,116 Cr).	Bottom quartile AUM (₹418 Cr).	Highest AUM (₹18,344 Cr).	Upper mid AUM (₹2,246 Cr).	Upper mid AUM (₹3,130 Cr).	Upper mid AUM (₹2,359 Cr).	Bottom quartile AUM (₹543 Cr).	Bottom quartile AUM (₹300 Cr).	Lower mid AUM (₹1,617 Cr).	Top quartile AUM (₹3,487 Cr).
Point 2	Established history (12+ yrs).	Established history (15+ yrs).	Established history (16+ yrs).	Established history (19+ yrs).	Established history (22+ yrs).	Established history (18+ yrs).	Established history (24+ yrs).	Oldest track record among peers (28 yrs).	Established history (22+ yrs).	Established history (22+ yrs).
Point 3	Top rated.	Rating: 5★ (top quartile).	Rating: 4★ (upper mid).	Rating: 4★ (upper mid).	Rating: 4★ (upper mid).	Rating: 4★ (lower mid).	Rating: 4★ (lower mid).	Rating: 4★ (bottom quartile).	Rating: 4★ (bottom quartile).	Rating: 3★ (bottom quartile).
Point 4	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Low.	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderately High.	Risk profile: High.
Point 5	1Y return: 6.01% (upper mid).	1Y return: 3.25% (lower mid).	1Y return: 6.40% (top quartile).	1Y return: 6.32% (upper mid).	1Y return: 5.93% (upper mid).	1Y return: 5.00% (lower mid).	1Y return: 2.68% (bottom quartile).	1Y return: 1.65% (bottom quartile).	5Y return: 8.19% (upper mid).	5Y return: 18.51% (top quartile).
Point 6	1M return: 0.34% (upper mid).	1M return: 0.14% (lower mid).	1M return: 0.35% (upper mid).	1M return: 0.37% (top quartile).	1M return: 0.39% (top quartile).	1M return: 0.24% (upper mid).	1M return: 0.09% (lower mid).	1M return: 0.05% (bottom quartile).	3Y return: 8.00% (top quartile).	3Y return: 19.28% (top quartile).
Point 7	Sharpe: 0.62 (upper mid).	Sharpe: -0.59 (lower mid).	Sharpe: 1.68 (top quartile).	Sharpe: 1.25 (top quartile).	Sharpe: 0.70 (upper mid).	Sharpe: -0.13 (lower mid).	Sharpe: -0.70 (bottom quartile).	Sharpe: -1.00 (bottom quartile).	1Y return: 1.48% (bottom quartile).	1Y return: 8.57% (top quartile).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	1M return: -0.25% (bottom quartile).	Alpha: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 6.87% (upper mid).	Yield to maturity (debt): 7.09% (upper mid).	Yield to maturity (debt): 6.03% (bottom quartile).	Yield to maturity (debt): 6.85% (lower mid).	Yield to maturity (debt): 6.76% (lower mid).	Yield to maturity (debt): 7.19% (upper mid).	Yield to maturity (debt): 6.71% (bottom quartile).	Yield to maturity (debt): 7.55% (top quartile).	Alpha: 0.00 (bottom quartile).	Sharpe: 0.23 (upper mid).
Point 10	Modified duration: 1.05 yrs (upper mid).	Modified duration: 4.34 yrs (lower mid).	Modified duration: 0.58 yrs (upper mid).	Modified duration: 0.77 yrs (upper mid).	Modified duration: 0.40 yrs (top quartile).	Modified duration: 2.46 yrs (lower mid).	Modified duration: 6.73 yrs (bottom quartile).	Modified duration: 5.75 yrs (bottom quartile).	Sharpe: -0.92 (bottom quartile).	Information ratio: 0.00 (bottom quartile).

UTI Banking & PSU Debt Fund

Lower mid AUM (₹1,116 Cr).
Established history (12+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 6.01% (upper mid).
1M return: 0.34% (upper mid).
Sharpe: 0.62 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.87% (upper mid).
Modified duration: 1.05 yrs (upper mid).

UTI Dynamic Bond Fund

Bottom quartile AUM (₹418 Cr).
Established history (15+ yrs).
Rating: 5★ (top quartile).
Risk profile: Moderate.
1Y return: 3.25% (lower mid).
1M return: 0.14% (lower mid).
Sharpe: -0.59 (lower mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.09% (upper mid).
Modified duration: 4.34 yrs (lower mid).

UTI Money Market Fund

Highest AUM (₹18,344 Cr).
Established history (16+ yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 6.40% (top quartile).
1M return: 0.35% (upper mid).
Sharpe: 1.68 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.03% (bottom quartile).
Modified duration: 0.58 yrs (upper mid).

UTI Treasury Advantage Fund

Upper mid AUM (₹2,246 Cr).
Established history (19+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately Low.
1Y return: 6.32% (upper mid).
1M return: 0.37% (top quartile).
Sharpe: 1.25 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.85% (lower mid).
Modified duration: 0.77 yrs (upper mid).

UTI Ultra Short Term Fund

Upper mid AUM (₹3,130 Cr).
Established history (22+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately Low.
1Y return: 5.93% (upper mid).
1M return: 0.39% (top quartile).
Sharpe: 0.70 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.76% (lower mid).
Modified duration: 0.40 yrs (top quartile).

UTI Short Term Income Fund

Upper mid AUM (₹2,359 Cr).
Established history (18+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderate.
1Y return: 5.00% (lower mid).
1M return: 0.24% (upper mid).
Sharpe: -0.13 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.19% (upper mid).
Modified duration: 2.46 yrs (lower mid).

UTI Gilt Fund

Bottom quartile AUM (₹543 Cr).
Established history (24+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderate.
1Y return: 2.68% (bottom quartile).
1M return: 0.09% (lower mid).
Sharpe: -0.70 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.71% (bottom quartile).
Modified duration: 6.73 yrs (bottom quartile).

UTI Bond Fund

Bottom quartile AUM (₹300 Cr).
Oldest track record among peers (28 yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderate.
1Y return: 1.65% (bottom quartile).
1M return: 0.05% (bottom quartile).
Sharpe: -1.00 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.55% (top quartile).
Modified duration: 5.75 yrs (bottom quartile).

UTI Regular Savings Fund

Lower mid AUM (₹1,617 Cr).
Established history (22+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 8.19% (upper mid).
3Y return: 8.00% (top quartile).
1Y return: 1.48% (bottom quartile).
1M return: -0.25% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.92 (bottom quartile).

UTI Transportation & Logistics Fund

Top quartile AUM (₹3,487 Cr).
Established history (22+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: High.
5Y return: 18.51% (top quartile).
3Y return: 19.28% (top quartile).
1Y return: 8.57% (top quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.23 (upper mid).
Information ratio: 0.00 (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 (₹1,116 Cr).
Established history (12+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 6.01% (upper mid).
1M return: 0.34% (upper mid).
Sharpe: 0.62 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.87% (upper mid).
Modified duration: 1.05 yrs (upper mid).
Average maturity: 1.14 yrs (upper mid).
Exit load: NIL.
Higher exposure to Corporate (bond sector) vs peer median.
Conservative stance with elevated cash (~36%).
High-quality debt (AAA/AA ~100%).
Largest holding National Housing Bank (~5.0%).

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

UTI Banking & PSU Debt Fund Growth
Launch Date	3 Feb 14
NAV (12 May 26)	₹22.9944 ↓ -0.01 (-0.03 %)
Net Assets (Cr)	₹1,116 on 31 Mar 26
Category	Debt - Banking & PSU Debt
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆☆
Risk	Moderate
Expense Ratio	0.54
Sharpe Ratio	0.62
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.87%
Effective Maturity	1 Year 1 Month 20 Days
Modified Duration	1 Year 18 Days

Growth of 10,000 investment over the years.

Date	Value
30 Apr 21	₹10,000
30 Apr 22	₹10,282
30 Apr 23	₹11,571
30 Apr 24	₹12,284
30 Apr 25	₹13,376
30 Apr 26	₹14,154

UTI Banking & PSU Debt Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹203,125.
Net Profit of ₹23,125 Invest Now

Returns for UTI Banking & PSU Debt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 12 May 26

Duration	Returns
1 Month	0.3%
3 Month	1.2%
6 Month	2.2%
1 Year	6%
3 Year	6.9%
5 Year	7.2%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	7.8%
2024	7.6%
2023	6.7%
2022	10.3%
2021	2.8%
2020	8.9%
2019	-1%
2018	6.8%
2017	6.4%
2016	11.7%

Fund Manager information for UTI Banking & PSU Debt Fund

Name	Since	Tenure
Anurag Mittal	1 Dec 21	4.42 Yr.

Data below for UTI Banking & PSU Debt Fund as on 31 Mar 26

Asset Allocation

Asset Class	Value
Cash	36.09%
Debt	63.66%
Other	0.24%

Debt Sector Allocation

Sector	Value
Corporate	65.56%
Government	26.5%
Cash Equivalent	7.69%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Housing Bank Debentures \| -	5%	₹60 Cr	6,000
Axis Bank Limited Debentures \| -	5%	₹55 Cr	550
7.38% Govt Stock 2027 Sovereign Bonds \| -	4%	₹51 Cr	500,000,000
Export Import Bank Of India Debentures \| -	4%	₹50 Cr	5,000
Small Industries Development Bank Of India Debentures \| -	4%	₹50 Cr	5,000
Power Finance Corporation Limited Debentures \| -	3%	₹40 Cr	400
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹40 Cr	4,000
HDFC Bank Limited Debentures \| -	3%	₹35 Cr	350
Indian Railway Finance Corporation Limited Debentures \| -	3%	₹30 Cr	300
7.86% Karnataka Sdl 2027 Sovereign Bonds \| -	2%	₹25 Cr	250,000,000

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 (₹418 Cr).
Established history (15+ yrs).
Rating: 5★ (top quartile).
Risk profile: Moderate.
1Y return: 3.25% (lower mid).
1M return: 0.14% (lower mid).
Sharpe: -0.59 (lower mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.09% (upper mid).
Modified duration: 4.34 yrs (lower mid).
Average maturity: 10.05 yrs (bottom quartile).
Exit load: NIL.
Top bond sector: Corporate.
Conservative stance with elevated cash (~35%).
High-quality debt (AAA/AA ~100%).
Largest holding Bharti Telecom Limited (~6.1%).

Below is the key information for UTI Dynamic Bond Fund

UTI Dynamic Bond Fund Growth
Launch Date	16 Jun 10
NAV (12 May 26)	₹31.8886 ↓ -0.02 (-0.06 %)
Net Assets (Cr)	₹418 on 31 Mar 26
Category	Debt - Dynamic Bond
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆☆
Risk	Moderate
Expense Ratio	1.54
Sharpe Ratio	-0.59
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.09%
Effective Maturity	10 Years 18 Days
Modified Duration	4 Years 4 Months 2 Days

Growth of 10,000 investment over the years.

Date	Value
30 Apr 21	₹10,000
30 Apr 22	₹11,053
30 Apr 23	₹12,485
30 Apr 24	₹13,260
30 Apr 25	₹14,642
30 Apr 26	₹15,086

UTI Dynamic Bond Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹206,148.
Net Profit of ₹26,148 Invest Now

Returns for UTI Dynamic Bond Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 12 May 26

Duration	Returns
1 Month	0.1%
3 Month	1%
6 Month	1.5%
1 Year	3.3%
3 Year	6.4%
5 Year	8.6%
10 Year
15 Year
Since launch	7.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6%
2024	8.6%
2023	6.2%
2022	10.1%
2021	10.8%
2020	5.9%
2019	-3.9%
2018	5.2%
2017	4.2%
2016	14.9%

Fund Manager information for UTI Dynamic Bond Fund

Name	Since	Tenure
Pankaj Pathak	8 Apr 25	1.06 Yr.

Data below for UTI Dynamic Bond Fund as on 31 Mar 26

Asset Allocation

Asset Class	Value
Cash	34.65%
Debt	64.99%
Other	0.36%

Debt Sector Allocation

Sector	Value
Corporate	56.27%
Cash Equivalent	23.18%
Government	20.19%

Credit Quality

Rating	Value
AA	16.62%
AAA	83.38%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Bharti Telecom Limited Debentures \| -	6%	₹25 Cr	2,500
Mahindra Rural Housing Finance Limited Debentures \| -	6%	₹25 Cr	2,500 ↑ 2,500
Jamnagar Utilities & Power Private Limited Debentures \| -	6%	₹25 Cr	2,500
Indigrid Infrastructure Trust Debentures \| -	6%	₹25 Cr	250
Power Finance Corporation Limited Debentures \| -	6%	₹25 Cr	2,500
Can Fin Homes Limited Debentures \| -	5%	₹20 Cr	2,000
Cholamandalam Investment And Finance Company Limited Debentures \| -	5%	₹20 Cr	2,000 ↑ 2,000
Torrent Pharmaceuticals Ltd Debentures \| -	5%	₹20 Cr	2,000 ↓ -500
7.24% Govt Stock 2055 Sovereign Bonds \| -	5%	₹19 Cr	200,000,000
Shriram Finance Limited Debentures \| -	4%	₹15 Cr	1,500

3. UTI Money Market Fund

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

Research Highlights for UTI Money Market Fund

Highest AUM (₹18,344 Cr).
Established history (16+ yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 6.40% (top quartile).
1M return: 0.35% (upper mid).
Sharpe: 1.68 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.03% (bottom quartile).
Modified duration: 0.58 yrs (upper mid).
Average maturity: 0.58 yrs (upper mid).
Exit load: NIL.
Top sector: Real Estate.
Top bond sector: Corporate.
Conservative stance with elevated cash (~78%).
High-quality debt (AAA/AA ~100%).
Largest holding Tbill (~4.8%).

Below is the key information for UTI Money Market Fund

UTI Money Market Fund Growth
Launch Date	13 Jul 09
NAV (12 May 26)	₹3,250.21 ↓ -0.72 (-0.02 %)
Net Assets (Cr)	₹18,344 on 31 Mar 26
Category	Debt - Money Market
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.25
Sharpe Ratio	1.68
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.03%
Effective Maturity	7 Months
Modified Duration	7 Months

Growth of 10,000 investment over the years.

Date	Value
30 Apr 21	₹10,000
30 Apr 22	₹10,385
30 Apr 23	₹11,016
30 Apr 24	₹11,851
30 Apr 25	₹12,807
30 Apr 26	₹13,619

UTI Money Market Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for UTI Money Market Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 12 May 26

Duration	Returns
1 Month	0.3%
3 Month	1.4%
6 Month	2.8%
1 Year	6.4%
3 Year	7.3%
5 Year	6.4%
10 Year
15 Year
Since launch	7.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	7.5%
2024	7.7%
2023	7.4%
2022	4.9%
2021	3.7%
2020	6%
2019	8%
2018	7.8%
2017	6.7%
2016	7.7%

Fund Manager information for UTI Money Market Fund

Name	Since	Tenure
Anurag Mittal	1 Dec 21	4.41 Yr.
Amit Sharma	7 Jul 17	8.82 Yr.

Data below for UTI Money Market Fund as on 31 Mar 26

Asset Allocation

Asset Class	Value
Cash	77.61%
Debt	22.1%
Other	0.29%

Debt Sector Allocation

Sector	Value
Corporate	53.21%
Government	26.96%
Cash Equivalent	19.54%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Tbill Sovereign Bonds \| -	5%	₹937 Cr	9,500,000,000
India (Republic of) - \| -	3%	₹650 Cr	6,629,850,000
Tbill Sovereign Bonds \| -	2%	₹295 Cr	3,000,000,000
Tbill Sovereign Bonds \| -	2%	₹294 Cr	3,000,000,000 ↑ 3,000,000,000
5.74% Govt Stock 2026 Sovereign Bonds \| -	1%	₹280 Cr	2,800,000,000
DBS Bank India Ltd. Debentures \| -	1%	₹245 Cr	2,500,000,000 ↑ 2,500,000,000
Kotak Mahindra Bank Ltd. Debentures \| -	1%	₹244 Cr	2,500,000,000
DBS Bank India Ltd. Debentures \| -	1%	₹244 Cr	2,500,000,000 ↑ 2,500,000,000
HDFC Bank Ltd. Debentures \| -	1%	₹195 Cr	2,000,000,000
Indian Bank Domestic Bonds \| -	1%	₹193 Cr	2,000,000,000

4. UTI Treasury Advantage Fund

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

Research Highlights for UTI Treasury Advantage Fund

Upper mid AUM (₹2,246 Cr).
Established history (19+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately Low.
1Y return: 6.32% (upper mid).
1M return: 0.37% (top quartile).
Sharpe: 1.25 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.85% (lower mid).
Modified duration: 0.77 yrs (upper mid).
Average maturity: 0.94 yrs (upper mid).
Exit load: NIL.
Higher exposure to Corporate (bond sector) vs peer median.
Debt-heavy allocation (~72%).
High-quality debt (AAA/AA ~100%).
Largest holding National Bank For Agriculture And Rural Development (~6.5%).

Below is the key information for UTI Treasury Advantage Fund

UTI Treasury Advantage Fund Growth
Launch Date	23 Apr 07
NAV (12 May 26)	₹3,733.32 ↓ -0.77 (-0.02 %)
Net Assets (Cr)	₹2,246 on 31 Mar 26
Category	Debt - Low Duration
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.45
Sharpe Ratio	1.25
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.85%
Effective Maturity	11 Months 8 Days
Modified Duration	9 Months 7 Days

Growth of 10,000 investment over the years.

Date	Value
30 Apr 21	₹10,000
30 Apr 22	₹10,899
30 Apr 23	₹11,519
30 Apr 24	₹12,347
30 Apr 25	₹13,358
30 Apr 26	₹14,187

UTI Treasury Advantage Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹203,125.
Net Profit of ₹23,125 Invest Now

Returns for UTI Treasury Advantage Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 12 May 26

Duration	Returns
1 Month	0.4%
3 Month	1.3%
6 Month	2.6%
1 Year	6.3%
3 Year	7.2%
5 Year	7.3%
10 Year
15 Year
Since launch	7.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	7.5%
2024	7.7%
2023	7.1%
2022	4.5%
2021	9%
2020	7.3%
2019	-4.2%
2018	7.3%
2017	7%
2016	8.9%

Fund Manager information for UTI Treasury Advantage Fund

Name	Since	Tenure
Anurag Mittal	1 Dec 21	4.41 Yr.

Data below for UTI Treasury Advantage Fund as on 31 Mar 26

Asset Allocation

Asset Class	Value
Cash	28.11%
Debt	71.58%
Other	0.31%

Debt Sector Allocation

Sector	Value
Corporate	72.53%
Government	15.07%
Cash Equivalent	12.09%

Credit Quality

Rating	Value
AA	13.42%
AAA	86.58%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	6%	₹201 Cr	20,000 ↑ 10,000
Tbill Sovereign Bonds \| -	6%	₹193 Cr	2,000,000,000 ↑ 2,000,000,000
Rec Limited Debentures \| -	5%	₹140 Cr	14,000 ↑ 9,000
Embassy Office Parks Reit Debentures \| -	4%	₹120 Cr	1,200
Mahindra Rural Housing Finance Limited Debentures \| -	3%	₹101 Cr	10,000 ↑ 10,000
Jamnagar Utilities & Power Private Limited Debentures \| -	3%	₹100 Cr	1,000
Embassy Office Parks Reit Debentures \| -	3%	₹90 Cr	900
Poonawalla Fincorp Limited Debentures \| -	2%	₹75 Cr	7,500
Indigrid Infrastructure Trust Debentures \| -	2%	₹55 Cr	550
RADHAKRISHNA SECURITISATION TRUST Unlisted bonds \| -	2%	₹54 Cr	55

5. UTI Ultra Short Term Fund

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

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

Research Highlights for UTI Ultra Short Term Fund

Upper mid AUM (₹3,130 Cr).
Established history (22+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately Low.
1Y return: 5.93% (upper mid).
1M return: 0.39% (top quartile).
Sharpe: 0.70 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.76% (lower mid).
Modified duration: 0.40 yrs (top quartile).
Average maturity: 0.47 yrs (top quartile).
Exit load: NIL.
Higher exposure to Financial Services vs peer median.
Top bond sector: Corporate.
Conservative stance with elevated cash (~66%).
High-quality debt (AAA/AA ~100%).
Largest holding Tbill (~7.2%).

Below is the key information for UTI Ultra Short Term Fund

UTI Ultra Short Term Fund Growth
Launch Date	29 Aug 03
NAV (12 May 26)	₹4,447.32 ↓ -0.02 (0.00 %)
Net Assets (Cr)	₹3,130 on 31 Mar 26
Category	Debt - Ultrashort Bond
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.93
Sharpe Ratio	0.7
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.76%
Effective Maturity	5 Months 19 Days
Modified Duration	4 Months 23 Days

Growth of 10,000 investment over the years.

Date	Value
30 Apr 21	₹10,000
30 Apr 22	₹10,613
30 Apr 23	₹11,178
30 Apr 24	₹11,957
30 Apr 25	₹12,830
30 Apr 26	₹13,585

UTI Ultra Short Term Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for UTI Ultra Short Term Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 12 May 26

Duration	Returns
1 Month	0.4%
3 Month	1.4%
6 Month	2.7%
1 Year	5.9%
3 Year	6.7%
5 Year	6.3%
10 Year
15 Year
Since launch	6.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.6%
2024	7.2%
2023	6.7%
2022	4.2%
2021	6.1%
2020	5.3%
2019	3.3%
2018	7%
2017	6.6%
2016	8.9%

Fund Manager information for UTI Ultra Short Term Fund

Name	Since	Tenure
Abhishek Sonthalia	10 Nov 25	0.47 Yr.

Data below for UTI Ultra Short Term Fund as on 31 Mar 26

Asset Allocation

Asset Class	Value
Cash	65.56%
Debt	34.12%
Other	0.32%

Debt Sector Allocation

Sector	Value
Corporate	55.43%
Cash Equivalent	32.28%
Government	11.97%

Credit Quality

Rating	Value
AA	24.96%
AAA	75.04%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Tbill Sovereign Bonds \| -	7%	₹298 Cr	3,000,000,000
Kotak Mahindra Bank Ltd. Debentures \| -	4%	₹171 Cr	1,750,000,000 ↑ 1,250,000,000
HDFC Bank Ltd. Debentures \| -	3%	₹122 Cr	1,250,000,000 ↑ 750,000,000
Shriram Finance Limited Debentures \| -	2%	₹100 Cr	10,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹100 Cr	10,000
Small Industries Development Bank Of India Debentures \| -	2%	₹100 Cr	10,000 ↑ 10,000
Kotak Mahindra Bank Ltd. Debentures \| -	2%	₹100 Cr	1,000,000,000
Piramal Finance Limited Debentures \| -	2%	₹86 Cr	8,500
Piramal Finance Limited Debentures \| -	2%	₹75 Cr	7,500
TATA Communications Limited Debentures \| -	2%	₹75 Cr	7,500

6. UTI Short Term Income Fund

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

Research Highlights for UTI Short Term Income Fund

Upper mid AUM (₹2,359 Cr).
Established history (18+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderate.
1Y return: 5.00% (lower mid).
1M return: 0.24% (upper mid).
Sharpe: -0.13 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.19% (upper mid).
Modified duration: 2.46 yrs (lower mid).
Average maturity: 3.46 yrs (lower mid).
Exit load: NIL.
Higher exposure to Corporate (bond sector) vs peer median.
Debt-heavy allocation (~87%).
High-quality debt (AAA/AA ~100%).
Largest holding Ncd Lic Housing Finance Ltd. (~6.5%).

Below is the key information for UTI Short Term Income Fund

UTI Short Term Income Fund Growth
Launch Date	19 Sep 07
NAV (12 May 26)	₹32.9874 ↓ -0.01 (-0.03 %)
Net Assets (Cr)	₹2,359 on 31 Mar 26
Category	Debt - Short term Bond
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	0.85
Sharpe Ratio	-0.13
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.19%
Effective Maturity	3 Years 5 Months 16 Days
Modified Duration	2 Years 5 Months 16 Days

Growth of 10,000 investment over the years.

Date	Value
30 Apr 21	₹10,000
30 Apr 22	₹10,849
30 Apr 23	₹11,425
30 Apr 24	₹12,229
30 Apr 25	₹13,320
30 Apr 26	₹13,949

UTI Short Term Income Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for UTI Short Term Income Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 12 May 26

Duration	Returns
1 Month	0.2%
3 Month	0.7%
6 Month	1.5%
1 Year	5%
3 Year	6.8%
5 Year	6.9%
10 Year
15 Year
Since launch	6.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	7.3%
2024	7.9%
2023	6.9%
2022	3.8%
2021	8.4%
2020	10.5%
2019	-3.9%
2018	6%
2017	6.1%
2016	10.1%

Fund Manager information for UTI Short Term Income Fund

Name	Since	Tenure
Abhishek Sonthalia	10 Nov 25	0.47 Yr.

Data below for UTI Short Term Income Fund as on 31 Mar 26

Asset Allocation

Asset Class	Value
Cash	12.57%
Debt	87.09%
Other	0.34%

Debt Sector Allocation

Sector	Value
Corporate	62.83%
Government	31.36%
Cash Equivalent	5.46%

Credit Quality

Rating	Value
AA	15.07%
AAA	84.93%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Ncd Lic Housing Finance Ltd. Debentures \| -	6%	₹175 Cr	1,750 ↑ 1,750
Export Import Bank Of India Debentures \| -	5%	₹123 Cr	12,500
Piramal Finance Limited Debentures \| -	4%	₹100 Cr	10,000
Power Finance Corporation Limited Debentures \| -	4%	₹100 Cr	10,000 ↑ 10,000
Vedanta Limited Debentures \| -	4%	₹98 Cr	9,800 ↑ 5,000
Poonawalla Fincorp Limited Debentures \| -	3%	₹75 Cr	7,500
360 One Prime Limited Debentures \| -	3%	₹75 Cr	7,500
Export Import Bank Of India Debentures \| -	3%	₹74 Cr	7,500
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹73 Cr	7,500
6.48% Govt Stock 2035 Sovereign Bonds \| -	3%	₹72 Cr	750,000,000

7. UTI Gilt Fund

(Erstwhile UTI Gilt Advantage Fund- LTP)

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

Research Highlights for UTI Gilt Fund

Bottom quartile AUM (₹543 Cr).
Established history (24+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderate.
1Y return: 2.68% (bottom quartile).
1M return: 0.09% (lower mid).
Sharpe: -0.70 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.71% (bottom quartile).
Modified duration: 6.73 yrs (bottom quartile).
Average maturity: 15.21 yrs (bottom quartile).
Exit load: NIL.
Higher exposure to Government (bond sector) vs peer median.
Debt-heavy allocation (~86%).
High-quality debt (AAA/AA ~100%).
Largest holding Day Tbill (~29.0%).
Top-3 holdings concentration ~60.6%.

Below is the key information for UTI Gilt Fund

UTI Gilt Fund Growth
Launch Date	21 Jan 02
NAV (12 May 26)	₹64.758 ↓ -0.05 (-0.08 %)
Net Assets (Cr)	₹543 on 31 Mar 26
Category	Debt - Government Bond
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	0.92
Sharpe Ratio	-0.71
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.71%
Effective Maturity	15 Years 2 Months 16 Days
Modified Duration	6 Years 8 Months 23 Days

Growth of 10,000 investment over the years.

Date	Value
30 Apr 21	₹10,000
30 Apr 22	₹10,199
30 Apr 23	₹10,820
30 Apr 24	₹11,501
30 Apr 25	₹12,823
30 Apr 26	₹13,107

UTI Gilt Fund SIP Returns

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

Returns for UTI Gilt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 12 May 26

Duration	Returns
1 Month	0.1%
3 Month	1.4%
6 Month	2.3%
1 Year	2.7%
3 Year	6.4%
5 Year	5.5%
10 Year
15 Year
Since launch	8%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	5.1%
2024	8.9%
2023	6.7%
2022	2.9%
2021	2.3%
2020	10.3%
2019	11.8%
2018	6.3%
2017	4.3%
2016	15.5%

Fund Manager information for UTI Gilt Fund

Name	Since	Tenure
Pankaj Pathak	8 Apr 25	1.06 Yr.

Data below for UTI Gilt Fund as on 31 Mar 26

Asset Allocation

Asset Class	Value
Cash	13.8%
Debt	86.2%

Debt Sector Allocation

Sector	Value
Government	86.2%
Cash Equivalent	13.8%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Day Tbill Sovereign Bonds \| -	29%	₹159 Cr	1,666,050,000 ↑ 1,666,050,000
Tbill Sovereign Bonds \| -	18%	₹96 Cr	1,000,000,000
6.9% Govt Stock 2065 Sovereign Bonds \| -	14%	₹77 Cr	850,000,000
6.79% Govt Stock 2027 Sovereign Bonds \| -	9%	₹50 Cr	500,000,000 ↑ 500,000,000
7.24% Govt Stock 2055 Sovereign Bonds \| -	4%	₹24 Cr	250,000,000 ↓ -500,000,000
Rajasthan (Government of ) 7.65% - \| -	4%	₹22 Cr	224,630,000
7.18% Tamilnadu SDL 2027 Sovereign Bonds \| -	3%	₹15 Cr	150,000,000 ↑ 150,000,000
Chhattisgarh (Government of) 7.37% - \| -	3%	₹15 Cr	150,000,000
7.3% Uttarakhand Sgs 2032 Sovereign Bonds \| -	2%	₹8 Cr	85,730,000
7.77% Andhra Sdl 2028 Sovereign Bonds \| -	1%	₹5 Cr	50,000,000

8. UTI Bond Fund

(Erstwhile UTI - Bond Fund)

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

Research Highlights for UTI Bond Fund

Bottom quartile AUM (₹300 Cr).
Oldest track record among peers (28 yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderate.
1Y return: 1.65% (bottom quartile).
1M return: 0.05% (bottom quartile).
Sharpe: -1.00 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.55% (top quartile).
Modified duration: 5.75 yrs (bottom quartile).
Average maturity: 9.96 yrs (lower mid).
Exit load: NIL.
Top sector: Financial Services.
Top bond sector: Corporate.
Debt-heavy allocation (~97%).
High-quality debt (AAA/AA ~100%).
Largest holding Ncd Lic Housing Finance Ltd. (~8.3%).

Below is the key information for UTI Bond Fund

UTI Bond Fund Growth
Launch Date	4 May 98
NAV (12 May 26)	₹74.4648 ↓ -0.05 (-0.07 %)
Net Assets (Cr)	₹300 on 31 Mar 26
Category	Debt - Medium to Long term
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.62
Sharpe Ratio	-1
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.55%
Effective Maturity	9 Years 11 Months 16 Days
Modified Duration	5 Years 9 Months

Growth of 10,000 investment over the years.

Date	Value
30 Apr 21	₹10,000
30 Apr 22	₹10,833
30 Apr 23	₹12,383
30 Apr 24	₹13,057
30 Apr 25	₹14,480
30 Apr 26	₹14,668

UTI Bond Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹203,125.
Net Profit of ₹23,125 Invest Now

Returns for UTI 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 12 May 26

Duration	Returns
1 Month	0.1%
3 Month	0.3%
6 Month	0.1%
1 Year	1.6%
3 Year	5.5%
5 Year	7.9%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	5.6%
2024	8.5%
2023	6.4%
2022	9.9%
2021	9.4%
2020	1.1%
2019	-5.8%
2018	4%
2017	3.6%
2016	13.9%

Fund Manager information for UTI Bond Fund

Name	Since	Tenure
Amit Sharma	3 Nov 25	0.49 Yr.

Data below for UTI Bond Fund as on 31 Mar 26

Asset Allocation

Asset Class	Value
Cash	2.94%
Debt	96.74%
Other	0.32%

Debt Sector Allocation

Sector	Value
Corporate	53.5%
Government	43.24%
Cash Equivalent	2.94%

Credit Quality

Rating	Value
AA	23.36%
AAA	76.64%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Ncd Lic Housing Finance Ltd. Debentures \| -	8%	₹25 Cr	250 ↑ 250
7.08% Andhra Sgs 2037 Sovereign Bonds \| -	8%	₹24 Cr	250,000,000
HDFC Bank Ltd. Debentures \| -	8%	₹24 Cr	250,000,000
SIDDHIVINAYAK SECURITISATION TRUST Unlisted bonds \| -	7%	₹20 Cr	20
West Bengal (Government of) 7.74% - \| -	6%	₹19 Cr	194,180,000
Muthoot Finance Limited Debentures \| -	6%	₹17 Cr	1,700
Piramal Finance Limited Debentures \| -	5%	₹15 Cr	1,500
Aditya Birla Renewables Limited Debentures \| -	5%	₹15 Cr	1,500
Torrent Pharmaceuticals Ltd Debentures \| -	5%	₹15 Cr	1,500
7.65% Rajasthan Sgs 2040 Sovereign Bonds \| -	5%	₹15 Cr	150,000,000

9. UTI Regular Savings Fund

(Erstwhile UTI MIS Advantage Plan)

The investment objective of the Scheme is to generate regular income through investments in fixed income securities and capital appreciation / dividend income through investment of a portion of net assets of the scheme in equity and equity related instruments so as to endeavour to make periodic income distribution to Unit holders. Income may be generated through Coupon payments, amortization of discount on debt instruments, receipt of dividends or the purchase and sale of securities in the underlying portfolio. Under normal market conditions investment will be made in fixed income securities, money market instruments,cash and cash equivalents while at the same time maintaining a limited exposure to equity markets. The Scheme will endeavor to enhance overall returns through appropriate investments upto a maximum of 25% of Net Assets into equity and equity related instruments.

Research Highlights for UTI Regular Savings Fund

Lower mid AUM (₹1,617 Cr).
Established history (22+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 8.19% (upper mid).
3Y return: 8.00% (top quartile).
1Y return: 1.48% (bottom quartile).
1M return: -0.25% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.92 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Top sector: Financial Services.
Higher exposure to Government (bond sector) vs peer median.
Debt-heavy allocation (~71%).
High-quality debt (AAA/AA ~100%).
Largest holding Indian Oil Corporation Limited (~4.5%).

Below is the key information for UTI Regular Savings Fund

UTI Regular Savings Fund Growth
Launch Date	16 Dec 03
NAV (12 May 26)	₹69.0446 ↓ -0.41 (-0.58 %)
Net Assets (Cr)	₹1,617 on 31 Mar 26
Category	Hybrid - Hybrid Debt
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	1.81
Sharpe Ratio	-0.92
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
30 Apr 21	₹10,000
30 Apr 22	₹11,062
30 Apr 23	₹11,680
30 Apr 24	₹13,247
30 Apr 25	₹14,732
30 Apr 26	₹14,906

UTI Regular Savings Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹376,357.
Net Profit of ₹76,357 Invest Now

Returns for UTI Regular Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 12 May 26

Duration	Returns
1 Month	-0.2%
3 Month	-1.9%
6 Month	-2.1%
1 Year	1.5%
3 Year	8%
5 Year	8.2%
10 Year
15 Year
Since launch	9%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.1%
2024	11.6%
2023	11.3%
2022	3.3%
2021	13.2%
2020	10.2%
2019	2.8%
2018	3.4%
2017	12.5%
2016	8.9%

Fund Manager information for UTI Regular Savings Fund

Name	Since	Tenure
Amit Premchandani	8 Jan 22	4.31 Yr.
Jaydeep Bhowal	17 Apr 23	3.04 Yr.

Data below for UTI Regular Savings Fund as on 31 Mar 26

Asset Allocation

Asset Class	Value
Cash	4.2%
Equity	24.41%
Debt	71.1%
Other	0.3%

Equity Sector Allocation

Sector	Value
Financial Services	8.2%
Consumer Cyclical	3.02%
Industrials	2.28%
Health Care	2.06%
Technology	1.92%
Communication Services	1.76%
Energy	1.52%
Basic Materials	1.14%
Real Estate	1%
Consumer Defensive	0.77%
Utility	0.72%

Debt Sector Allocation

Sector	Value
Government	43.12%
Corporate	27.98%
Cash Equivalent	4.2%

Credit Quality

Rating	Value
AA	1.5%
AAA	98.5%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Indian Oil Corporation Limited Debentures \| -	5%	₹75 Cr	7,500
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹74 Cr	7,500
HDFC Bank Limited Debentures \| -	3%	₹50 Cr	5,000
LIC Housing Finance Ltd Debentures \| -	3%	₹50 Cr	5,000
West Bengal (Government of) 7.74% - \| -	3%	₹49 Cr	500,000,000
Jio Credit Limited Debentures \| -	3%	₹49 Cr	5,000
SIDDHIVINAYAK SECURITISATION TRUST Unlisted bonds \| -	3%	₹49 Cr	50
7.34% Govt Stock 2064 Sovereign Bonds \| -	3%	₹48 Cr	500,000,000
HDFC Bank Ltd (Financial Services) Equity, Since 30 Apr 12 \| HDFCBANK	2%	₹35 Cr	451,000
6.48% Govt Stock 2035 Sovereign Bonds \| -	2%	₹27 Cr	281,580,000 ↑ 250,000,000

10. 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

Top quartile AUM (₹3,487 Cr).
Established history (22+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: High.
5Y return: 18.51% (top quartile).
3Y return: 19.28% (top quartile).
1Y return: 8.57% (top quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.23 (upper mid).
Information ratio: 0.00 (bottom quartile).
Higher exposure to Consumer Cyclical vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~94%).
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 (12 May 26)	₹271.631 ↓ -6.48 (-2.33 %)
Net Assets (Cr)	₹3,487 on 31 Mar 26
Category	Equity - Sectoral
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆
Risk	High
Expense Ratio	1.93
Sharpe Ratio	0.23
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 Apr 21	₹10,000
30 Apr 22	₹11,952
30 Apr 23	₹13,593
30 Apr 24	₹21,811
30 Apr 25	₹21,402
30 Apr 26	₹24,169

UTI Transportation & Logistics Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹481,656.
Net Profit of ₹181,656 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 12 May 26

Duration	Returns
1 Month	-1.3%
3 Month	-9.1%
6 Month	-7.9%
1 Year	8.6%
3 Year	19.3%
5 Year	18.5%
10 Year
15 Year
Since launch	16.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	19.5%
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%

Fund Manager information for UTI Transportation & Logistics Fund

Name	Since	Tenure
Sachin Trivedi	22 Sep 16	9.61 Yr.

Data below for UTI Transportation & Logistics Fund as on 31 Mar 26

Equity Sector Allocation

Sector	Value
Consumer Cyclical	79.64%
Industrials	14.8%

Asset Allocation

Asset Class	Value
Cash	5.67%
Equity	94.15%
Debt	0.13%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Mahindra & Mahindra Ltd (Consumer Cyclical) Equity, Since 30 Apr 04 \| M&M	14%	₹516 Cr	1,664,786
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 30 Apr 04 \| MARUTI	9%	₹344 Cr	258,455
Eicher Motors Ltd (Consumer Cyclical) Equity, Since 30 Nov 08 \| EICHERMOT	9%	₹330 Cr	463,514
Eternal Ltd (Consumer Cyclical) Equity, Since 31 Jul 21 \| ETERNAL	8%	₹316 Cr	12,773,081 ↑ 1,598,716
Bajaj Auto Ltd (Consumer Cyclical) Equity, Since 30 Apr 18 \| 532977	7%	₹252 Cr	251,657
Adani Ports & Special Economic Zone Ltd (Industrials) Equity, Since 31 May 13 \| ADANIPORTS	6%	₹227 Cr	1,369,964
Hero MotoCorp Ltd (Consumer Cyclical) Equity, Since 31 Mar 12 \| HEROMOTOCO	4%	₹167 Cr	327,739
TVS Motor Co Ltd (Consumer Cyclical) Equity, Since 30 Sep 19 \| 532343	4%	₹141 Cr	403,430
Hyundai Motor India Ltd (Consumer Cyclical) Equity, Since 31 Oct 24 \| HYUNDAI	3%	₹129 Cr	711,342
InterGlobe Aviation Ltd (Industrials) Equity, Since 31 May 18 \| INDIGO	3%	₹108 Cr	250,430 ↓ -25,867

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