2022 साठी 10 सर्वोत्तम UTI म्युच्युअल फंड योजना

Updated on August 31, 2025 , 16166 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 (%)	2024 (%)
UTI Banking & PSU Debt Fund Growth	₹22.1773 ↑ 0.00	₹810	5,000	500	1.1	4.6	8.1	7.1	7	7.1	7.6
UTI Dynamic Bond Fund Growth	₹30.7944 ↓ -0.01	₹482	10,000	500	-1.4	3	6.2	6.6	8.1	7.7	8.6
UTI Short Term Income Fund Growth	₹32.0152 ↑ 0.00	₹3,296	10,000	500	0.8	4.3	8	7.3	6.9	6.7	7.9
UTI Treasury Advantage Fund Growth	₹3,590.3 ↑ 0.01	₹3,211	10,000	500	1.5	4.2	8	7.3	7	7.2	7.7
UTI Money Market Fund Growth	₹3,123.97 ↑ 0.20	₹20,554	10,000	500	1.6	4.2	7.9	7.6	6.1	7.3	7.7
UTI Ultra Short Term Fund Growth	₹4,283.67 ↑ 0.20	₹4,337	5,000	500	1.5	3.6	7.1	6.8	6.1	6.8	7.2
UTI Bond Fund Growth	₹72.9965 ↓ -0.01	₹330	1,000	500	-1.5	3	6.2	6.7	7.8	7.5	8.5
UTI Gilt Fund Growth	₹61.7746 ↓ -0.02	₹615	5,000	500	-3	1.8	4.4	6.6	4.9	8	8.9
UTI Regular Savings Fund Growth	₹68.9341 ↓ -0.01	₹1,707	5,000	500	-0.6	5.4	4.1	9.4	10.5	9.3	11.6
UTI Liquid Cash Plan Growth	₹4,325.98 ↑ 0.58	₹29,013	500	1,500	1.5	3.3	6.9	7	5.6	6.9	7.3
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 2 Sep 25

Research Highlights & Commentary of 10 Funds showcased

Commentary	UTI Banking & PSU Debt Fund	UTI Dynamic Bond Fund	UTI Short Term Income Fund	UTI Treasury Advantage Fund	UTI Money Market Fund	UTI Ultra Short Term Fund	UTI Bond Fund	UTI Gilt Fund	UTI Regular Savings Fund	UTI Liquid Cash Plan
Point 1	Lower mid AUM (₹810 Cr).	Bottom quartile AUM (₹482 Cr).	Upper mid AUM (₹3,296 Cr).	Upper mid AUM (₹3,211 Cr).	Top quartile AUM (₹20,554 Cr).	Upper mid AUM (₹4,337 Cr).	Bottom quartile AUM (₹330 Cr).	Bottom quartile AUM (₹615 Cr).	Lower mid AUM (₹1,707 Cr).	Highest AUM (₹29,013 Cr).
Point 2	Established history (11+ yrs).	Established history (15+ yrs).	Established history (17+ yrs).	Established history (18+ yrs).	Established history (16+ yrs).	Established history (22+ yrs).	Oldest track record among peers (27 yrs).	Established history (23+ yrs).	Established history (21+ yrs).	Established history (21+ yrs).
Point 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: Moderate.	Risk profile: Moderately Low.	Risk profile: Low.	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderately High.	Risk profile: Low.
Point 5	1Y return: 8.14% (top quartile).	1Y return: 6.17% (bottom quartile).	1Y return: 8.00% (top quartile).	1Y return: 7.98% (upper mid).	1Y return: 7.94% (upper mid).	1Y return: 7.12% (upper mid).	1Y return: 6.18% (lower mid).	1Y return: 4.38% (bottom quartile).	5Y return: 10.53% (top quartile).	1Y return: 6.92% (lower mid).
Point 6	1M return: 0.19% (upper mid).	1M return: -1.32% (bottom quartile).	1M return: 0.00% (lower mid).	1M return: 0.38% (upper mid).	1M return: 0.46% (top quartile).	1M return: 0.43% (upper mid).	1M return: -0.98% (bottom quartile).	1M return: -2.21% (bottom quartile).	3Y return: 9.41% (top quartile).	1M return: 0.47% (top quartile).
Point 7	Sharpe: 1.86 (upper mid).	Sharpe: 0.74 (lower mid).	Sharpe: 1.77 (lower mid).	Sharpe: 2.95 (upper mid).	Sharpe: 3.26 (top quartile).	Sharpe: 2.14 (upper mid).	Sharpe: 0.58 (bottom quartile).	Sharpe: 0.31 (bottom quartile).	1Y return: 4.06% (bottom quartile).	Sharpe: 3.22 (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: -0.61% (lower mid).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 6.47% (lower mid).	Yield to maturity (debt): 6.85% (upper mid).	Yield to maturity (debt): 6.75% (upper mid).	Yield to maturity (debt): 6.55% (lower mid).	Yield to maturity (debt): 6.16% (bottom quartile).	Yield to maturity (debt): 6.42% (bottom quartile).	Yield to maturity (debt): 6.99% (top quartile).	Yield to maturity (debt): 6.86% (top quartile).	Alpha: 0.00 (bottom quartile).	Yield to maturity (debt): 5.86% (bottom quartile).
Point 10	Modified duration: 1.78 yrs (upper mid).	Modified duration: 6.95 yrs (bottom quartile).	Modified duration: 2.58 yrs (lower mid).	Modified duration: 0.87 yrs (upper mid).	Modified duration: 0.56 yrs (upper mid).	Modified duration: 0.47 yrs (top quartile).	Modified duration: 6.17 yrs (bottom quartile).	Modified duration: 9.06 yrs (bottom quartile).	Sharpe: -0.04 (bottom quartile).	Modified duration: 0.12 yrs (top quartile).

UTI Banking & PSU Debt Fund

Lower mid AUM (₹810 Cr).
Established history (11+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 8.14% (top quartile).
1M return: 0.19% (upper mid).
Sharpe: 1.86 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.47% (lower mid).
Modified duration: 1.78 yrs (upper mid).

UTI Dynamic Bond Fund

Bottom quartile AUM (₹482 Cr).
Established history (15+ yrs).
Rating: 5★ (top quartile).
Risk profile: Moderate.
1Y return: 6.17% (bottom quartile).
1M return: -1.32% (bottom quartile).
Sharpe: 0.74 (lower mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.85% (upper mid).
Modified duration: 6.95 yrs (bottom quartile).

UTI Short Term Income Fund

Upper mid AUM (₹3,296 Cr).
Established history (17+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 8.00% (top quartile).
1M return: 0.00% (lower mid).
Sharpe: 1.77 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.75% (upper mid).
Modified duration: 2.58 yrs (lower mid).

UTI Treasury Advantage Fund

Upper mid AUM (₹3,211 Cr).
Established history (18+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately Low.
1Y return: 7.98% (upper mid).
1M return: 0.38% (upper mid).
Sharpe: 2.95 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.55% (lower mid).
Modified duration: 0.87 yrs (upper mid).

UTI Money Market Fund

Top quartile AUM (₹20,554 Cr).
Established history (16+ yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 7.94% (upper mid).
1M return: 0.46% (top quartile).
Sharpe: 3.26 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.16% (bottom quartile).
Modified duration: 0.56 yrs (upper mid).

UTI Ultra Short Term Fund

Upper mid AUM (₹4,337 Cr).
Established history (22+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderately Low.
1Y return: 7.12% (upper mid).
1M return: 0.43% (upper mid).
Sharpe: 2.14 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.42% (bottom quartile).
Modified duration: 0.47 yrs (top quartile).

UTI Bond Fund

Bottom quartile AUM (₹330 Cr).
Oldest track record among peers (27 yrs).
Rating: 4★ (lower mid).
Risk profile: Moderate.
1Y return: 6.18% (lower mid).
1M return: -0.98% (bottom quartile).
Sharpe: 0.58 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.99% (top quartile).
Modified duration: 6.17 yrs (bottom quartile).

UTI Gilt Fund

Bottom quartile AUM (₹615 Cr).
Established history (23+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderate.
1Y return: 4.38% (bottom quartile).
1M return: -2.21% (bottom quartile).
Sharpe: 0.31 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.86% (top quartile).
Modified duration: 9.06 yrs (bottom quartile).

UTI Regular Savings Fund

Lower mid AUM (₹1,707 Cr).
Established history (21+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 10.53% (top quartile).
3Y return: 9.41% (top quartile).
1Y return: 4.06% (bottom quartile).
1M return: -0.61% (lower mid).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.04 (bottom quartile).

UTI Liquid Cash Plan

Highest AUM (₹29,013 Cr).
Established history (21+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 6.92% (lower mid).
1M return: 0.47% (top quartile).
Sharpe: 3.22 (top quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 5.86% (bottom quartile).
Modified duration: 0.12 yrs (top quartile).

1. UTI Banking & PSU Debt Fund

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

Research Highlights for UTI Banking & PSU Debt Fund

Lower mid AUM (₹810 Cr).
Established history (11+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 8.14% (top quartile).
1M return: 0.19% (upper mid).
Sharpe: 1.86 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.47% (lower mid).
Modified duration: 1.78 yrs (upper mid).
Average maturity: 2.03 yrs (upper mid).
Exit load: NIL.
Top bond sector: Corporate.
Debt-heavy allocation (~95%).
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 (02 Sep 25)	₹22.1773 ↑ 0.00 (0.01 %)
Net Assets (Cr)	₹810 on 31 Jul 25
Category	Debt - Banking & PSU Debt
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆☆
Risk	Moderate
Expense Ratio	0.54
Sharpe Ratio	1.86
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.47%
Effective Maturity	2 Years 11 Days
Modified Duration	1 Year 9 Months 11 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹10,410
31 Aug 22	₹11,443
31 Aug 23	₹12,099
31 Aug 24	₹12,985
31 Aug 25	₹14,048

UTI Banking & PSU Debt 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 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 2 Sep 25

Duration	Returns
1 Month	0.2%
3 Month	1.1%
6 Month	4.6%
1 Year	8.1%
3 Year	7.1%
5 Year	7%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
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

Name	Since	Tenure
Anurag Mittal	1 Dec 21	3.75 Yr.

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

Asset Allocation

Asset Class	Value
Cash	4.85%
Debt	94.83%
Other	0.33%

Debt Sector Allocation

Sector	Value
Corporate	54.99%
Government	39.84%
Cash Equivalent	4.85%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.38% Govt Stock 2027 Sovereign Bonds \| -	11%	₹93 Cr	900,000,000
Axis Bank Limited Debentures \| -	7%	₹56 Cr	550
Export Import Bank Of India Debentures \| -	6%	₹51 Cr	5,000
Small Industries Development Bank Of India Debentures \| -	6%	₹51 Cr	5,000
Power Finance Corporation Limited Debentures \| -	5%	₹41 Cr	400
Rural Electrification Corporation Limited Debentures \| -	4%	₹36 Cr	3,500
National Housing Bank Debentures \| -	4%	₹36 Cr	3,500
HDFC Bank Limited Debentures \| -	4%	₹35 Cr	350
Indian Railway Finance Corporation Limited Debentures \| -	4%	₹31 Cr	300
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹31 Cr	3,000

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 (₹482 Cr).
Established history (15+ yrs).
Rating: 5★ (top quartile).
Risk profile: Moderate.
1Y return: 6.17% (bottom quartile).
1M return: -1.32% (bottom quartile).
Sharpe: 0.74 (lower mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.85% (upper mid).
Modified duration: 6.95 yrs (bottom quartile).
Average maturity: 13.79 yrs (bottom quartile).
Exit load: NIL.
Higher exposure to Government (bond sector) vs peer median.
Debt-heavy allocation (~97%).
High-quality debt (AAA/AA ~100%).
Largest holding 7.34% Govt Stock 2064 (~18.1%).

Below is the key information for UTI Dynamic Bond Fund

UTI Dynamic Bond Fund Growth
Launch Date	16 Jun 10
NAV (02 Sep 25)	₹30.7944 ↓ -0.01 (-0.04 %)
Net Assets (Cr)	₹482 on 31 Jul 25
Category	Debt - Dynamic Bond
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆☆
Risk	Moderate
Expense Ratio	1.54
Sharpe Ratio	0.74
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.85%
Effective Maturity	13 Years 9 Months 14 Days
Modified Duration	6 Years 11 Months 12 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹10,350
31 Aug 22	₹12,330
31 Aug 23	₹13,032
31 Aug 24	₹14,064
31 Aug 25	₹14,937

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 2 Sep 25

Duration	Returns
1 Month	-1.3%
3 Month	-1.4%
6 Month	3%
1 Year	6.2%
3 Year	6.6%
5 Year	8.1%
10 Year
15 Year
Since launch	7.7%

Historical performance (Yearly) on absolute basis

Year	Returns
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

Name	Since	Tenure
Pankaj Pathak	8 Apr 25	0.4 Yr.

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

Asset Allocation

Asset Class	Value
Cash	2.92%
Debt	96.78%
Other	0.3%

Debt Sector Allocation

Sector	Value
Government	67.16%
Corporate	29.62%
Cash Equivalent	2.92%

Credit Quality

Rating	Value
AA	3.33%
AAA	96.67%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.34% Govt Stock 2064 Sovereign Bonds \| -	18%	₹86 Cr	850,000,000 ↓ -50,000,000
7.1% Govt Stock 2034 Sovereign Bonds \| -	9%	₹41 Cr	400,000,000
7.54% Govt Stock 2036 Sovereign Bonds \| -	6%	₹27 Cr	250,000,000
7.02% Govt Stock 2031 Sovereign Bonds \| -	5%	₹26 Cr	250,000,000 ↑ 250,000,000
Power Finance Corporation Limited Debentures \| -	5%	₹26 Cr	2,500
Small Industries Development Bank Of India Debentures \| -	5%	₹26 Cr	2,500
6.79% Govt Stock 2034 Sovereign Bonds \| -	5%	₹26 Cr	250,000,000
LIC Housing Finance Ltd Debentures \| -	5%	₹25 Cr	2,500
Indian Railway Finance Corporation Limited Debentures \| -	5%	₹25 Cr	2,500
Bajaj Finance Ltd. Debentures \| -	5%	₹25 Cr	2,500

3. 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 (₹3,296 Cr).
Established history (17+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 8.00% (top quartile).
1M return: 0.00% (lower mid).
Sharpe: 1.77 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.75% (upper mid).
Modified duration: 2.58 yrs (lower mid).
Average maturity: 3.26 yrs (lower mid).
Exit load: NIL.
Higher exposure to Corporate (bond sector) vs peer median.
Debt-heavy allocation (~86%).
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 (02 Sep 25)	₹32.0152 ↑ 0.00 (0.00 %)
Net Assets (Cr)	₹3,296 on 31 Jul 25
Category	Debt - Short term Bond
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	0.85
Sharpe Ratio	1.77
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.75%
Effective Maturity	3 Years 3 Months 4 Days
Modified Duration	2 Years 6 Months 29 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹10,547
31 Aug 22	₹11,360
31 Aug 23	₹12,086
31 Aug 24	₹12,997
31 Aug 25	₹14,041

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 2 Sep 25

Duration	Returns
1 Month
3 Month	0.8%
6 Month	4.3%
1 Year	8%
3 Year	7.3%
5 Year	6.9%
10 Year
15 Year
Since launch	6.7%

Historical performance (Yearly) on absolute basis

Year	Returns
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

Name	Since	Tenure
Anurag Mittal	8 Apr 25	0.4 Yr.
Sudhir Agarwal	25 Oct 12	12.86 Yr.

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

Asset Allocation

Asset Class	Value
Cash	14.23%
Debt	85.5%
Other	0.27%

Debt Sector Allocation

Sector	Value
Corporate	64.48%
Government	29.76%
Cash Equivalent	5.49%

Credit Quality

Rating	Value
AA	10.24%
AAA	89.76%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.79% Govt Stock 2034 Sovereign Bonds \| -	9%	₹311 Cr	3,050,000,000
National Housing Bank Debentures \| -	5%	₹178 Cr	17,500
LIC Housing Finance Ltd Debentures \| -	5%	₹178 Cr	1,750
Small Industries Development Bank Of India Debentures \| -	5%	₹178 Cr	17,500
Power Finance Corporation Limited Debentures \| -	5%	₹177 Cr	17,500
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹143 Cr	14,000
Export Import Bank Of India Debentures \| -	4%	₹127 Cr	12,500
Bajaj Finance Limited Debentures \| -	2%	₹76 Cr	7,500
Kotak Mahindra Prime Limited Debentures \| -	2%	₹76 Cr	750
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹76 Cr	7,500 ↓ -5,000

4. UTI Treasury Advantage Fund

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

Research Highlights for UTI Treasury Advantage Fund

Upper mid AUM (₹3,211 Cr).
Established history (18+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately Low.
1Y return: 7.98% (upper mid).
1M return: 0.38% (upper mid).
Sharpe: 2.95 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.55% (lower mid).
Modified duration: 0.87 yrs (upper mid).
Average maturity: 1.00 yrs (upper mid).
Exit load: NIL.
Higher exposure to Corporate (bond sector) vs peer median.
Debt-heavy allocation (~76%).
High-quality debt (AAA/AA ~100%).
Largest holding Power Finance Corporation Limited (~4.5%).

Below is the key information for UTI Treasury Advantage Fund

UTI Treasury Advantage Fund Growth
Launch Date	23 Apr 07
NAV (02 Sep 25)	₹3,590.3 ↑ 0.01 (0.00 %)
Net Assets (Cr)	₹3,211 on 31 Jul 25
Category	Debt - Low Duration
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.45
Sharpe Ratio	2.95
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.55%
Effective Maturity	12 Months
Modified Duration	10 Months 13 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹10,462
31 Aug 22	₹11,370
31 Aug 23	₹12,134
31 Aug 24	₹13,021
31 Aug 25	₹14,063

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 2 Sep 25

Duration	Returns
1 Month	0.4%
3 Month	1.5%
6 Month	4.2%
1 Year	8%
3 Year	7.3%
5 Year	7%
10 Year
15 Year
Since launch	7.2%

Historical performance (Yearly) on absolute basis

Year	Returns
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

Name	Since	Tenure
Anurag Mittal	1 Dec 21	3.75 Yr.

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

Asset Allocation

Asset Class	Value
Cash	23.33%
Debt	76.39%
Other	0.28%

Debt Sector Allocation

Sector	Value
Corporate	68.78%
Government	16.31%
Cash Equivalent	14.62%

Credit Quality

Rating	Value
AA	19.37%
AAA	80.63%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Power Finance Corporation Limited Debentures \| -	4%	₹149 Cr	1,500
Bajaj Housing Finance Limited Debentures \| -	4%	₹126 Cr	1,250
Treasury Bills Sovereign Bonds \| -	4%	₹122 Cr	1,250,000,000 ↑ 1,250,000,000
Embassy Office Parks Reit Debentures \| -	4%	₹120 Cr	1,200
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹102 Cr	10,000
Rec Limited Debentures \| -	3%	₹102 Cr	10,000
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹101 Cr	10,000
Sikka Ports & Terminals Limited Debentures \| -	3%	₹100 Cr	1,000
Jamnagar Utilities & Power Private Limited Debentures \| -	3%	₹100 Cr	1,000
182 Days Tbill Red 29-01-2026 Sovereign Bonds \| -	3%	₹93 Cr	950,000,000 ↑ 950,000,000

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

Top quartile AUM (₹20,554 Cr).
Established history (16+ yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 7.94% (upper mid).
1M return: 0.46% (top quartile).
Sharpe: 3.26 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.16% (bottom quartile).
Modified duration: 0.56 yrs (upper mid).
Average maturity: 0.56 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) (~2.3%).

Below is the key information for UTI Money Market Fund

UTI Money Market Fund Growth
Launch Date	13 Jul 09
NAV (02 Sep 25)	₹3,123.97 ↑ 0.20 (0.01 %)
Net Assets (Cr)	₹20,554 on 31 Jul 25
Category	Debt - Money Market
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.25
Sharpe Ratio	3.26
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.16%
Effective Maturity	6 Months 20 Days
Modified Duration	6 Months 20 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹10,395
31 Aug 22	₹10,811
31 Aug 23	₹11,584
31 Aug 24	₹12,460
31 Aug 25	₹13,450

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 2 Sep 25

Duration	Returns
1 Month	0.5%
3 Month	1.6%
6 Month	4.2%
1 Year	7.9%
3 Year	7.6%
5 Year	6.1%
10 Year
15 Year
Since launch	7.3%

Historical performance (Yearly) on absolute basis

Year	Returns
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

Name	Since	Tenure
Anurag Mittal	1 Dec 21	3.75 Yr.
Amit Sharma	7 Jul 17	8.16 Yr.

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

Asset Allocation

Asset Class	Value
Cash	84.8%
Debt	14.95%
Other	0.25%

Debt Sector Allocation

Sector	Value
Corporate	52.23%
Cash Equivalent	24.59%
Government	22.93%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
364 Days Tbill (Md 05/03/2026) Sovereign Bonds \| -	2%	₹485 Cr	5,000,000,000
364 DTB 19mar2026 Sovereign Bonds \| -	2%	₹484 Cr	5,000,000,000
182 Days Tbill Red 28-05-2026 Sovereign Bonds \| -	2%	₹466 Cr	4,750,000,000
364 Days Tbill Red 12-03-2026 Sovereign Bonds \| -	1%	₹242 Cr	2,500,000,000
Gs CG 12/12/2025 - (Strips) Tb Sovereign Bonds \| -	1%	₹222 Cr	2,255,700,000
364 DTB 12022026 Sovereign Bonds \| -	1%	₹195 Cr	2,000,000,000
364 DTB 27022026 Sovereign Bonds \| -	1%	₹194 Cr	2,000,000,000
07.00 RJ Sdl 2025 Sovereign Bonds \| -	1%	₹150 Cr	1,500,000,000
HDFC Bank Ltd. Debentures \| -	1%	₹145 Cr	1,500,000,000
Equitas Small Finance Bank Ltd. Debentures \| -	1%	₹144 Cr	1,500,000,000

6. UTI Ultra Short Term Fund

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

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

Research Highlights for UTI Ultra Short Term Fund

Upper mid AUM (₹4,337 Cr).
Established history (22+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderately Low.
1Y return: 7.12% (upper mid).
1M return: 0.43% (upper mid).
Sharpe: 2.14 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.42% (bottom quartile).
Modified duration: 0.47 yrs (top quartile).
Average maturity: 0.53 yrs (top quartile).
Exit load: NIL.
Higher exposure to Financial Services vs peer median.
Higher exposure to Corporate (bond sector) vs peer median.
Conservative stance with elevated cash (~56%).
High-quality debt (AAA/AA ~100%).
Largest holding Small Industries Development Bank Of India (~4.4%).

Below is the key information for UTI Ultra Short Term Fund

UTI Ultra Short Term Fund Growth
Launch Date	29 Aug 03
NAV (02 Sep 25)	₹4,283.67 ↑ 0.20 (0.00 %)
Net Assets (Cr)	₹4,337 on 31 Jul 25
Category	Debt - Ultrashort Bond
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.93
Sharpe Ratio	2.14
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.42%
Effective Maturity	6 Months 10 Days
Modified Duration	5 Months 19 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹10,383
31 Aug 22	₹11,029
31 Aug 23	₹11,734
31 Aug 24	₹12,552
31 Aug 25	₹13,447

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 2 Sep 25

Duration	Returns
1 Month	0.4%
3 Month	1.5%
6 Month	3.6%
1 Year	7.1%
3 Year	6.8%
5 Year	6.1%
10 Year
15 Year
Since launch	6.8%

Historical performance (Yearly) on absolute basis

Year	Returns
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

Name	Since	Tenure
Anurag Mittal	21 Jan 25	0.61 Yr.

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

Asset Allocation

Asset Class	Value
Cash	56.47%
Debt	43.23%
Other	0.3%

Debt Sector Allocation

Sector	Value
Corporate	66.15%
Cash Equivalent	25.23%
Government	8.32%

Credit Quality

Rating	Value
AA	13.65%
AAA	86.35%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Small Industries Development Bank Of India Debentures \| -	4%	₹180 Cr	1,800
Shriram Finance Limited Debentures \| -	2%	₹101 Cr	10,000 ↑ 5,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹101 Cr	10,000
LIC Housing Finance Ltd Debentures \| -	2%	₹101 Cr	1,000
182 Days Tbill Sovereign Bonds \| -	2%	₹100 Cr	1,000,000,000
91 Days Tbill (Md 28/08/2025) Sovereign Bonds \| -	2%	₹99 Cr	1,000,000,000
Bajaj Housing Finance Limited Debentures \| -	2%	₹76 Cr	750 ↓ -250
Indian Bank Domestic Bonds \| -	2%	₹72 Cr	750,000,000
Indian Bank Domestic Bonds \| -	2%	₹72 Cr	750,000,000
LIC Housing Finance Ltd Debentures \| -	1%	₹51 Cr	500

7. UTI Bond Fund

(Erstwhile UTI - Bond Fund)

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

Research Highlights for UTI Bond Fund

Bottom quartile AUM (₹330 Cr).
Oldest track record among peers (27 yrs).
Rating: 4★ (lower mid).
Risk profile: Moderate.
1Y return: 6.18% (lower mid).
1M return: -0.98% (bottom quartile).
Sharpe: 0.58 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.99% (top quartile).
Modified duration: 6.17 yrs (bottom quartile).
Average maturity: 9.38 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 (~36.8%).
Top-3 holdings concentration ~52.4%.

Below is the key information for UTI Bond Fund

UTI Bond Fund Growth
Launch Date	4 May 98
NAV (02 Sep 25)	₹72.9965 ↓ -0.01 (-0.02 %)
Net Assets (Cr)	₹330 on 31 Jul 25
Category	Debt - Medium to Long term
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.62
Sharpe Ratio	0.58
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.99%
Effective Maturity	9 Years 4 Months 17 Days
Modified Duration	6 Years 2 Months 1 Day

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹10,386
31 Aug 22	₹12,156
31 Aug 23	₹12,939
31 Aug 24	₹13,904
31 Aug 25	₹14,753

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 2 Sep 25

Duration	Returns
1 Month	-1%
3 Month	-1.5%
6 Month	3%
1 Year	6.2%
3 Year	6.7%
5 Year	7.8%
10 Year
15 Year
Since launch	7.5%

Historical performance (Yearly) on absolute basis

Year	Returns
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

Name	Since	Tenure
Sunil Patil	17 Apr 23	2.38 Yr.

Data below for UTI Bond Fund as on 31 Jul 25

Asset Allocation

Asset Class	Value
Cash	3.43%
Debt	96.29%
Other	0.28%

Debt Sector Allocation

Sector	Value
Government	63.09%
Corporate	33.2%
Cash Equivalent	3.43%

Credit Quality

Rating	Value
AA	11.27%
AAA	88.73%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.92% Govt Stock 2039 Sovereign Bonds \| -	37%	₹120 Cr	1,190,000,000
6.79% Govt Stock 2034 Sovereign Bonds \| -	8%	₹26 Cr	250,000,000
LIC Housing Finance Ltd Debentures \| -	8%	₹25 Cr	250
Hdb Financial Services Limited Debentures \| -	8%	₹25 Cr	250
Indian Railway Finance Corporation Limited Debentures \| -	8%	₹25 Cr	2,500
7.08% A P Sgl Mat - 26/03/2037 Sovereign Bonds \| -	8%	₹25 Cr	250,000,000
Cholamandalam Investment And Finance Company Limited Debentures \| -	5%	₹15 Cr	1,500
Aditya Birla Renewables Limited Debentures \| -	5%	₹15 Cr	1,500
INDIA UNIVERSAL TRUST AL1 Unlisted bonds \| -	4%	₹14 Cr	15
Bajaj Finance Ltd. Debentures \| -	2%	₹7 Cr	700

8. UTI Gilt Fund

(Erstwhile UTI Gilt Advantage Fund- LTP)

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

Research Highlights for UTI Gilt Fund

Bottom quartile AUM (₹615 Cr).
Established history (23+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderate.
1Y return: 4.38% (bottom quartile).
1M return: -2.21% (bottom quartile).
Sharpe: 0.31 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.86% (top quartile).
Modified duration: 9.06 yrs (bottom quartile).
Average maturity: 20.74 yrs (bottom quartile).
Exit load: NIL.
Higher exposure to Government (bond sector) vs peer median.
Debt-heavy allocation (~97%).
High-quality debt (AAA/AA ~100%).
Largest holding 7.34% Govt Stock 2064 (~44.5%).
Top-3 holdings concentration ~75.2%.

Below is the key information for UTI Gilt Fund

UTI Gilt Fund Growth
Launch Date	21 Jan 02
NAV (02 Sep 25)	₹61.7746 ↓ -0.02 (-0.03 %)
Net Assets (Cr)	₹615 on 31 Jul 25
Category	Debt - Government Bond
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	0.92
Sharpe Ratio	0.31
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.86%
Effective Maturity	20 Years 8 Months 26 Days
Modified Duration	9 Years 22 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹10,494
31 Aug 22	₹10,682
31 Aug 23	₹11,380
31 Aug 24	₹12,367
31 Aug 25	₹12,913

UTI Gilt Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹194,235.
Net Profit of ₹14,235 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 2 Sep 25

Duration	Returns
1 Month	-2.2%
3 Month	-3%
6 Month	1.8%
1 Year	4.4%
3 Year	6.6%
5 Year	4.9%
10 Year
15 Year
Since launch	8%

Historical performance (Yearly) on absolute basis

Year	Returns
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

Name	Since	Tenure
Pankaj Pathak	8 Apr 25	0.4 Yr.

Data below for UTI Gilt Fund as on 31 Jul 25

Asset Allocation

Asset Class	Value
Cash	3.42%
Debt	96.58%

Debt Sector Allocation

Sector	Value
Government	96.58%
Cash Equivalent	3.42%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.34% Govt Stock 2064 Sovereign Bonds \| -	44%	₹264 Cr	2,600,000,000 ↑ 500,000,000
7.1% Govt Stock 2034 Sovereign Bonds \| -	22%	₹130 Cr	1,250,000,000
7.54% Govt Stock 2036 Sovereign Bonds \| -	9%	₹53 Cr	500,000,000
6.79% Govt Stock 2034 Sovereign Bonds \| -	7%	₹41 Cr	400,000,000 ↓ -650,000,000
7.34% Sdl ASsam - 05/03/2035 Sovereign Bonds \| -	5%	₹31 Cr	300,000,000
07.32% Chattisgarh Sdl Sovereign Bonds \| -	5%	₹31 Cr	300,000,000
7.3% Govt Stock 2053 Sovereign Bonds \| -	3%	₹20 Cr	200,000,000
6.9% Govt Stock 2065 Sovereign Bonds \| -	1%	₹5 Cr	50,000,000
Net Current Assets Net Current Assets \| -	3%	₹19 Cr
Clearing Corporation Of India Ltd. Std - Margin CBLO/Reverse Repo \| -	0%	₹1 Cr	00

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 (₹1,707 Cr).
Established history (21+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 10.53% (top quartile).
3Y return: 9.41% (top quartile).
1Y return: 4.06% (bottom quartile).
1M return: -0.61% (lower mid).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.04 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Top sector: Financial Services.
Higher exposure to Government (bond sector) vs peer median.
Debt-heavy allocation (~74%).
High-quality debt (AAA/AA ~100%).
Largest holding 7.1% Govt Stock 2034 (~15.3%).

Below is the key information for UTI Regular Savings Fund

UTI Regular Savings Fund Growth
Launch Date	16 Dec 03
NAV (02 Sep 25)	₹68.9341 ↓ -0.01 (-0.02 %)
Net Assets (Cr)	₹1,707 on 31 Jul 25
Category	Hybrid - Hybrid Debt
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	1.81
Sharpe Ratio	-0.04
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹12,021
31 Aug 22	₹12,759
31 Aug 23	₹13,767
31 Aug 24	₹16,027
31 Aug 25	₹16,641

UTI Regular Savings Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹395,578.
Net Profit of ₹95,578 Invest Now

Returns for UTI Regular Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Sep 25

Duration	Returns
1 Month	-0.6%
3 Month	-0.6%
6 Month	5.4%
1 Year	4.1%
3 Year	9.4%
5 Year	10.5%
10 Year
15 Year
Since launch	9.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	11.6%
2023	11.3%
2022	3.3%
2021	13.2%
2020	10.2%
2019	2.8%
2018	3.4%
2017	12.5%
2016	8.9%
2015	7.1%

Fund Manager information for UTI Regular Savings Fund

Name	Since	Tenure
Amit Premchandani	8 Jan 22	3.65 Yr.
Jaydeep Bhowal	17 Apr 23	2.38 Yr.

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

Asset Allocation

Asset Class	Value
Cash	2.12%
Equity	23.73%
Debt	73.87%
Other	0.28%

Equity Sector Allocation

Sector	Value
Financial Services	8.02%
Consumer Cyclical	3.31%
Technology	2.42%
Health Care	2.01%
Basic Materials	1.99%
Communication Services	1.67%
Industrials	1.46%
Energy	1.32%
Utility	0.62%
Consumer Defensive	0.58%
Real Estate	0.32%

Debt Sector Allocation

Sector	Value
Government	49.83%
Corporate	24.04%
Cash Equivalent	2.12%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.1% Govt Stock 2034 Sovereign Bonds \| -	15%	₹261 Cr	2,500,000,000
6.79% Govt Stock 2034 Sovereign Bonds \| -	11%	₹181 Cr	1,770,000,000 ↓ -200,000,000
Power Finance Corporation Limited Debentures \| -	5%	₹78 Cr	7,500
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹77 Cr	7,500
6.33% Goi 2035 Sovereign Bonds \| -	4%	₹70 Cr	700,000,000 ↑ 700,000,000
7.18% Govt Stock 2033 Sovereign Bonds \| -	3%	₹52 Cr	500,000,000 ↓ -150,000,000
HDFC Bank Limited Debentures \| -	3%	₹52 Cr	5,000
LIC Housing Finance Ltd Debentures \| -	3%	₹51 Cr	5,000 ↑ 5,000
Small Industries Development Bank Of India Debentures \| -	3%	₹51 Cr	5,000
7.29% Westbengal Sgs Mat - 26/06/39 Sovereign Bonds \| -	3%	₹51 Cr	500,000,000

10. UTI Liquid Cash Plan

The investment objective of the scheme is to generate steady and reasonable income, with low risk and high level of liquidity from a portfolio of money market securities and high quality debt.

Research Highlights for UTI Liquid Cash Plan

Highest AUM (₹29,013 Cr).
Established history (21+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 6.92% (lower mid).
1M return: 0.47% (top quartile).
Sharpe: 3.22 (top quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 5.86% (bottom quartile).
Modified duration: 0.12 yrs (top quartile).
Average maturity: 0.12 yrs (top quartile).
Exit load: NIL.
Higher exposure to Real Estate vs peer median.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Conservative stance with elevated cash (~100%).
High-quality debt (AAA/AA ~100%).
Largest holding Net Current Assets (~4.4%).

Below is the key information for UTI Liquid Cash Plan

UTI Liquid Cash Plan Growth
Launch Date	11 Dec 03
NAV (02 Sep 25)	₹4,325.98 ↑ 0.58 (0.01 %)
Net Assets (Cr)	₹29,013 on 31 Jul 25
Category	Debt - Liquid Fund
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	500
Min SIP Investment	1,500
Exit Load	NIL
Yield to Maturity	5.86%
Effective Maturity	1 Month 13 Days
Modified Duration	1 Month 13 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹10,323
31 Aug 22	₹10,723
31 Aug 23	₹11,444
31 Aug 24	₹12,282
31 Aug 25	₹13,133

UTI Liquid Cash Plan 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 Liquid Cash Plan

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Sep 25

Duration	Returns
1 Month	0.5%
3 Month	1.5%
6 Month	3.3%
1 Year	6.9%
3 Year	7%
5 Year	5.6%
10 Year
15 Year
Since launch	6.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.3%
2023	7%
2022	4.8%
2021	3.3%
2020	4.2%
2019	6.6%
2018	7.4%
2017	6.7%
2016	7.7%
2015	8.3%

Fund Manager information for UTI Liquid Cash Plan

Name	Since	Tenure
Amit Sharma	7 Jul 17	8.16 Yr.

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

Asset Allocation

Asset Class	Value
Cash	99.75%
Other	0.25%

Debt Sector Allocation

Sector	Value
Cash Equivalent	83.92%
Corporate	14.11%
Government	1.71%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Net Current Assets Net Current Assets \| -	4%	₹1,140 Cr
91 Days Tbill Red 23-10-2025 Sovereign Bonds \| -	4%	₹990 Cr	10,000,000,000 ↑ 10,000,000,000
Canara Bank Certificate of Deposit \| -	3%	₹746 Cr	7,500,000,000
Reliance Industries Ltd. Commercial Paper \| -	3%	₹745 Cr	7,500,000,000 ↑ 7,500,000,000
National Bank For Agriculture And Rural Development Commercial Paper \| -	2%	₹622 Cr	6,250,000,000 ↓ -750,000,000
91 Days Tbill (Md 28/08/2025) Sovereign Bonds \| -	2%	₹548 Cr	5,500,000,000
National Bank For Agriculture And Rural Development Commercial Paper \| -	2%	₹547 Cr	5,500,000,000
Indian Oil Corporation Ltd. Commercial Paper \| -	2%	₹547 Cr	5,500,000,000
91 Days Tbill (Md 28/08/2025) Sovereign Bonds \| -	2%	₹524 Cr	5,250,000,000 ↑ 1,750,000,000
Reliance Retail Ventures Limited Commercial Paper \| -	2%	₹499 Cr	5,000,000,000

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