+91-22-48913909Mutual Funds for Australia-Based NRI Investing in India
As, India is one of the fastest growing economies in the world with over 5 percent GDP growth for many years, it attracts thousands of NRI investors from abroad. World Bank and IMF have projected India’s GDP to grow at 7.4 percent and 7.8 percent in 2018 and 2019 respectively. Currently, India is world’s fifth largest Economy at $2.7 trillion GDP.
Non-Resident Indians (NRIs) living in Australia can plan their investment in Mutual Funds India in order to earn optimal returns in the long-run. Australia-based NRIs can invest in stocks in India via mutual funds by Investing in Equity Funds. Equities are ideal for long-term investments, if you have goals like retirement, purchase of a house, or if you just want to build wealth these funds can be an ideal option. And in case, if you want to earn returns higher than bank savings accounts than investing in debt funds for short-term is advisable. Before investing, one should always access their risk ability.
Australia-based NRIs who want to invest in Mutual Funds in India there are some of the important guidelines & rules that need to be followed in order to begin their investment.
Accounts for NRIs Living in Australia
To invest in Mutual Funds in India one is supposed to open any of the following accounts with an Indian bank:
NRE Account
This is Non-Resident External (NRE) account which can be in the form of savings, current, fixed or Recurring deposit. You need to deposit the foreign currency in this account. To be able to deposit Indian currency, you must open NRO account. There is no upper limit on the transaction amount in an NRE account.
NRO Account
The NRO or Non-Resident Ordinary account is in the form of savings or current account that is meant for NRIs to manage their Income earned in India. In NRO account, foreign currency gets converted into Indian rupees after it gets deposited. An NRO account can be held jointly with another NRI as well as resident Indian (close relatives).
FCNR Account
This stands for Foreign Currency Non-Repatriable account deposits. In this account, NRIs can remit their Earnings in one of the six currencies such as Canadian $, US$, Euro, AU$, Yen, and Pound. Funds can be transferred from other FCNR or NRE accounts. In FCNR, the principal and interest don’t accrue any tax.
Once you open any of these accounts, you need successfully complete your KYC (Know Your Customer), under KYC norms, which is set by SEBI (Securities Exchange Board of India). One can complete their KYC with any of the SEBI-registered intermediates.
KYC Procedure for Australia NRIs to Invest in Mutual Funds
To successfully complete your KYC procedure, Australia NRIs need to complete certain important steps and furnish documents like:
a. KYC Form
An NRI needs to submit the KYC Form with all the necessary details filled to the SEBI registered intermediate. The documents can be sent by courier/post to the intermediate.
b. Documents
Following are the necessary documents that need to be submitted:
- Overseas address proof
- Indian resident address proof
- A recent photograph
- Passport copy
In case of NRIs in the Merchant Navy, a mariner’s declaration or certified copy of Continuous Discharge Certificate must be submitted.
c. Attestation
NRIs or PIOs (Person of India Origin) can get the above documents attested by the authorised officials of overseas branches of scheduled commercial banks registered in India, judge, court magistrate, public notaries, or the Indian embassy/consulate general in the country that they are located.
d. In Personal Verification (IPV)
As per SEBI rules, IPV is mandatory for KYC process. The intermediate should conduct the IPV of NRIs/PIOs.
Please note that all the above documents/proofs while submitting should be in the English language.
Talk to our investment specialist
Mutual Fund Taxation for Non-Resident Indian(NRI)
Capital Gains Tax Rates on NRI Mutual Fund Investments for the Financial Year 2017-18 (Assessment Year 2018-19) are as below:
NRI taxation on Mutual Funds- Capital Gains Tax Rates- FY 2017/2018 (AY- 2018-19)
| Types of Mutual Fund Scheme | Short Term Capital Gains (STCG) | Long Term Capital Gains (LTCG) |
|---|---|---|
| Equity Funds- STCG- Units held less than or equal to a year, LTCG- Units held more than a year | 15% | Nil |
| Non-Equity Funds- STCG- Units held for 3 years or less, LTCG- Units held for more than 3 years | As per Individual’s income tax bracket | On listed funds-20% (with indexation), Unlisted funds- 10% (without indexation) |
Mutual Fund Taxation on Dividends
Dividends on Equity Funds: The dividend received in the hands of unit holder for equity funds is completely tax-free. The dividend is also tax-free to the AMC.
Dividends on Debt Funds: The AMC has to pay a dividend distribution tax (DDT) of 28.84% before distributing this dividend income to its unit-holders. The dividend income received by a Debt fund unit holder is also tax-free.
Below is the TDS rate applicable on MF redemptions by NRIs for AY 2018-19.
NRI Taxation on Mutual Funds- Capital Gains Tax Rates- FY 2017/2018 (AY- 2018-19)
| Mutual Fund Redemptions by NRIs & TDS Rate | STCG & TDS Rate | LTCG & TDS Rate |
|---|---|---|
| Type of MF Scheme | ||
| Equity Oriented Funds | 15% | Nil |
| Debt Funds | 30% | On listed funds- 20% (with indexation), unlisted funds- 10% (without indexation) |
Popular Cities in Australia
Some of the most popular cities in Australia where you can find most Indians are:
- Sydney
- Melbourne
- Brisbane
- Perth
- Adelaide
Best Mutual Funds for Australia-Based NRIs
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) UTI Banking & PSU Debt Fund Growth ₹22.1532
↓ 0.00 ₹805 2.1 4.7 8.5 7.3 7 7.6 UTI Dynamic Bond Fund Growth ₹31.0246
↓ -0.08 ₹473 0.7 4.1 7.8 7.3 8.3 8.6 Sundaram Rural and Consumption Fund Growth ₹96.1164
↑ 0.65 ₹1,596 1.8 1.2 0.1 15.6 18.9 20.1 BNP Paribas Multi Cap Fund Growth ₹73.5154
↓ -0.01 ₹588 -4.6 -2.6 19.3 17.3 13.6 UTI Short Term Income Fund Growth ₹32.0129
↓ -0.01 ₹3,281 1.9 4.5 8.5 7.6 7 7.9 UTI Treasury Advantage Fund Growth ₹3,581.33
↑ 1.19 ₹3,002 1.9 4.3 8.2 7.4 7 7.7 UTI Money Market Fund Growth ₹3,113.98
↑ 1.24 ₹18,354 1.9 4.2 8.1 7.6 6.1 7.7 UTI Bond Fund Growth ₹73.3549
↓ -0.10 ₹330 0.2 3.7 7.4 7.3 8 8.5 UTI Ultra Short Term Fund Growth ₹4,270.92
↑ 1.54 ₹4,551 1.7 3.7 7.2 6.8 6.1 7.2 UTI Gilt Fund Growth ₹62.5261
↓ -0.28 ₹639 -0.5 3.3 6.7 7.5 5.3 8.9 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 11 Aug 25 Research Highlights & Commentary of 10 Funds showcased
Commentary UTI Banking & PSU Debt Fund UTI Dynamic Bond Fund Sundaram Rural and Consumption Fund BNP Paribas Multi Cap Fund UTI Short Term Income Fund UTI Treasury Advantage Fund UTI Money Market Fund UTI Bond Fund UTI Ultra Short Term Fund UTI Gilt Fund Point 1 Lower mid AUM (₹805 Cr). Bottom quartile AUM (₹473 Cr). Upper mid AUM (₹1,596 Cr). Bottom quartile AUM (₹588 Cr). Upper mid AUM (₹3,281 Cr). Upper mid AUM (₹3,002 Cr). Highest AUM (₹18,354 Cr). Bottom quartile AUM (₹330 Cr). Top quartile AUM (₹4,551 Cr). Lower mid AUM (₹639 Cr). Point 2 Established history (11+ yrs). Established history (15+ yrs). Established history (19+ yrs). Established history (19+ yrs). Established history (17+ yrs). Established history (18+ yrs). Established history (16+ yrs). Oldest track record among peers (27 yrs). Established history (21+ yrs). Established history (23+ yrs). Point 3 Top 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 4 Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderate. Risk profile: Moderately Low. Risk profile: Low. Risk profile: Moderate. Risk profile: Moderately Low. Risk profile: Moderate. Point 5 1Y return: 8.53% (top quartile). 1Y return: 7.76% (lower mid). 5Y return: 18.95% (top quartile). 5Y return: 13.57% (top quartile). 1Y return: 8.53% (upper mid). 1Y return: 8.18% (upper mid). 1Y return: 8.05% (upper mid). 1Y return: 7.38% (lower mid). 1Y return: 7.23% (bottom quartile). 1Y return: 6.69% (bottom quartile). Point 6 1M return: 0.38% (upper mid). 1M return: -0.10% (lower mid). 3Y return: 15.57% (top quartile). 3Y return: 17.28% (top quartile). 1M return: 0.32% (upper mid). 1M return: 0.45% (top quartile). 1M return: 0.47% (top quartile). 1M return: -0.31% (lower mid). 1M return: 0.44% (upper mid). 1M return: -0.31% (bottom quartile). Point 7 Sharpe: 2.05 (upper mid). Sharpe: 0.90 (lower mid). 1Y return: 0.09% (bottom quartile). 1Y return: 19.34% (top quartile). Sharpe: 1.89 (lower mid). Sharpe: 3.03 (top quartile). Sharpe: 3.32 (top quartile). Sharpe: 0.78 (bottom quartile). Sharpe: 2.18 (upper mid). Sharpe: 0.44 (bottom quartile). Point 8 Information ratio: 0.00 (top quartile). Information ratio: 0.00 (upper mid). Alpha: 0.89 (top quartile). Alpha: 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). Information ratio: 0.00 (bottom quartile). Point 9 Yield to maturity (debt): 6.53% (lower mid). Yield to maturity (debt): 6.92% (top quartile). Sharpe: 0.17 (bottom quartile). Sharpe: 2.86 (upper mid). Yield to maturity (debt): 6.76% (upper mid). Yield to maturity (debt): 6.59% (upper mid). Yield to maturity (debt): 6.30% (bottom quartile). Yield to maturity (debt): 6.99% (top quartile). Yield to maturity (debt): 6.46% (lower mid). Yield to maturity (debt): 6.88% (upper mid). Point 10 Modified duration: 1.86 yrs (lower mid). Modified duration: 7.20 yrs (bottom quartile). Information ratio: 0.07 (top quartile). Information ratio: 0.00 (upper mid). Modified duration: 2.60 yrs (lower mid). Modified duration: 0.91 yrs (upper mid). Modified duration: 0.62 yrs (upper mid). Modified duration: 6.22 yrs (bottom quartile). Modified duration: 0.45 yrs (upper mid). Modified duration: 9.80 yrs (bottom quartile). UTI Banking & PSU Debt Fund
UTI Dynamic Bond Fund
Sundaram Rural and Consumption Fund
BNP Paribas Multi Cap Fund
UTI Short Term Income Fund
UTI Treasury Advantage Fund
UTI Money Market Fund
UTI Bond Fund
UTI Ultra Short Term Fund
UTI Gilt 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). Below is the key information for UTI Banking & PSU Debt Fund Returns up to 1 year are on 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 Below is the key information for UTI Dynamic Bond Fund Returns up to 1 year are on (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 Below is the key information for Sundaram Rural and Consumption Fund Returns up to 1 year are on (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 Below is the key information for BNP Paribas Multi Cap Fund Returns up to 1 year are on 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 Below is the key information for UTI Short Term Income Fund Returns up to 1 year are on 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 Below is the key information for UTI Treasury Advantage Fund Returns up to 1 year are on 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 Below is the key information for UTI Money Market Fund Returns up to 1 year are on (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 Below is the key information for UTI Bond Fund Returns up to 1 year are on (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 Below is the key information for UTI Ultra Short Term Fund Returns up to 1 year are on (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 Below is the key information for UTI Gilt Fund Returns up to 1 year are on 1. UTI Banking & PSU Debt Fund
UTI Banking & PSU Debt Fund
Growth Launch Date 3 Feb 14 NAV (11 Aug 25) ₹22.1532 ↓ 0.00 (-0.01 %) Net Assets (Cr) ₹805 on 30 Jun 25 Category Debt - Banking & PSU Debt AMC UTI Asset Management Company Ltd Rating ☆☆☆☆☆ Risk Moderate Expense Ratio 0.55 Sharpe Ratio 2.05 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.53% Effective Maturity 2 Years 1 Month 13 Days Modified Duration 1 Year 10 Months 10 Days Growth of 10,000 investment over the years.
Date Value 31 Jul 20 ₹10,000 31 Jul 21 ₹10,349 31 Jul 22 ₹11,315 31 Jul 23 ₹12,023 31 Jul 24 ₹12,884 31 Jul 25 ₹13,997 Returns for UTI Banking & PSU Debt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 11 Aug 25 Duration Returns 1 Month 0.4% 3 Month 2.1% 6 Month 4.7% 1 Year 8.5% 3 Year 7.3% 5 Year 7% 10 Year 15 Year Since launch 7.2% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.6% 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 3.67 Yr. Data below for UTI Banking & PSU Debt Fund as on 30 Jun 25
Asset Allocation
Asset Class Value Cash 4.47% Debt 95.2% Other 0.33% Debt Sector Allocation
Sector Value Corporate 55.2% Government 40.01% Cash Equivalent 4.47% 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% ₹36 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
UTI Dynamic Bond Fund
Growth Launch Date 16 Jun 10 NAV (11 Aug 25) ₹31.0246 ↓ -0.08 (-0.27 %) Net Assets (Cr) ₹473 on 30 Jun 25 Category Debt - Dynamic Bond AMC UTI Asset Management Company Ltd Rating ☆☆☆☆☆ Risk Moderate Expense Ratio 1.54 Sharpe Ratio 0.9 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.92% Effective Maturity 15 Years 10 Months 6 Days Modified Duration 7 Years 2 Months 12 Days Growth of 10,000 investment over the years.
Date Value 31 Jul 20 ₹10,000 31 Jul 21 ₹10,150 31 Jul 22 ₹12,039 31 Jul 23 ₹12,801 31 Jul 24 ₹13,753 31 Jul 25 ₹14,905 Returns for UTI Dynamic Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 11 Aug 25 Duration Returns 1 Month -0.1% 3 Month 0.7% 6 Month 4.1% 1 Year 7.8% 3 Year 7.3% 5 Year 8.3% 10 Year 15 Year Since launch 7.8% 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 0.31 Yr. Data below for UTI Dynamic Bond Fund as on 30 Jun 25
Asset Allocation
Asset Class Value Cash 4% Debt 95.69% Other 0.3% Debt Sector Allocation
Sector Value Government 65.57% Corporate 30.13% Cash Equivalent 4% Credit Quality
Rating Value AA 1.12% AAA 98.88% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.34% Govt Stock 2064
Sovereign Bonds | -30% ₹140 Cr 1,350,000,000
↑ 250,000,000 National Bank For Agriculture And Rural Development
Debentures | -9% ₹41 Cr 4,000 6.92% Govt Stock 2039
Sovereign Bonds | -7% ₹31 Cr 300,000,000 Power Finance Corporation Limited
Debentures | -5% ₹26 Cr 2,500 6.79% Govt Stock 2034
Sovereign Bonds | -5% ₹26 Cr 250,000,000 Small Industries Development Bank Of India
Debentures | -5% ₹26 Cr 2,500
↑ 2,500 LIC Housing Finance Ltd
Debentures | -5% ₹25 Cr 2,500 Indian Railway Finance Corporation Limited
Debentures | -5% ₹25 Cr 2,500 Bajaj Finance Limited
Debentures | -5% ₹25 Cr 2,500 Ntpc Limited
Debentures | -5% ₹25 Cr 2,500 3. Sundaram Rural and Consumption Fund
Sundaram Rural and Consumption Fund
Growth Launch Date 12 May 06 NAV (11 Aug 25) ₹96.1164 ↑ 0.65 (0.69 %) Net Assets (Cr) ₹1,596 on 30 Jun 25 Category Equity - Sectoral AMC Sundaram Asset Management Company Ltd Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 2.23 Sharpe Ratio 0.17 Information Ratio 0.07 Alpha Ratio 0.89 Min Investment 5,000 Min SIP Investment 100 Exit Load 0-12 Months (1%),12 Months and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Jul 20 ₹10,000 31 Jul 21 ₹14,074 31 Jul 22 ₹15,588 31 Jul 23 ₹18,111 31 Jul 24 ₹25,002 31 Jul 25 ₹25,069 Returns for Sundaram Rural and Consumption Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 11 Aug 25 Duration Returns 1 Month -2.7% 3 Month 1.8% 6 Month 1.2% 1 Year 0.1% 3 Year 15.6% 5 Year 18.9% 10 Year 15 Year Since launch 12.4% Historical performance (Yearly) on absolute basis
Year Returns 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
Name Since Tenure Ratish Varier 1 Jan 22 3.58 Yr. Data below for Sundaram Rural and Consumption Fund as on 30 Jun 25
Equity Sector Allocation
Sector Value Consumer Cyclical 42.74% Consumer Defensive 29.95% Communication Services 11.97% Health Care 3.59% Financial Services 3.13% Real Estate 2.17% Basic Materials 1.41% Asset Allocation
Asset Class Value Cash 5.05% Equity 94.95% Top Securities Holdings / Portfolio
Name Holding Value Quantity Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Oct 22 | BHARTIARTL10% ₹159 Cr 789,519 ITC Ltd (Consumer Defensive)
Equity, Since 31 Jul 13 | ITC8% ₹125 Cr 2,991,251 Mahindra & Mahindra Ltd (Consumer Cyclical)
Equity, Since 30 Apr 22 | M&M8% ₹124 Cr 390,720 Hindustan Unilever Ltd (Consumer Defensive)
Equity, Since 30 Apr 16 | HINDUNILVR6% ₹101 Cr 440,212 Eternal Ltd (Consumer Cyclical)
Equity, Since 31 May 24 | 5433205% ₹79 Cr 3,000,962 Titan Co Ltd (Consumer Cyclical)
Equity, Since 29 Feb 20 | TITAN5% ₹78 Cr 212,692 Maruti Suzuki India Ltd (Consumer Cyclical)
Equity, Since 31 Jul 12 | MARUTI5% ₹73 Cr 58,511 Apollo Hospitals Enterprise Ltd (Healthcare)
Equity, Since 31 Jul 22 | APOLLOHOSP4% ₹57 Cr 79,027 Trent Ltd (Consumer Cyclical)
Equity, Since 29 Feb 24 | 5002513% ₹54 Cr 86,291 Bajaj Holdings and Investment Ltd (Financial Services)
Equity, Since 30 Sep 23 | BAJAJHLDNG3% ₹50 Cr 34,697 4. 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.
Date Value 31 Jul 20 ₹10,000 31 Jul 21 ₹15,841 Returns for BNP Paribas Multi Cap Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 11 Aug 25 Duration Returns 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
Year Returns 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 Fund Manager information for BNP Paribas Multi Cap Fund
Name Since Tenure Data below for BNP Paribas Multi Cap Fund as on 31 Jan 22
Equity Sector Allocation
Sector Value Asset Allocation
Asset Class Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 5. UTI Short Term Income Fund
UTI Short Term Income Fund
Growth Launch Date 19 Sep 07 NAV (11 Aug 25) ₹32.0129 ↓ -0.01 (-0.03 %) Net Assets (Cr) ₹3,281 on 30 Jun 25 Category Debt - Short term Bond AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 0.94 Sharpe Ratio 1.89 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.76% Effective Maturity 3 Years 3 Months 11 Days Modified Duration 2 Years 7 Months 6 Days Growth of 10,000 investment over the years.
Date Value 31 Jul 20 ₹10,000 31 Jul 21 ₹10,463 31 Jul 22 ₹11,250 31 Jul 23 ₹12,012 31 Jul 24 ₹12,897 31 Jul 25 ₹14,013 Returns for UTI Short Term Income Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 11 Aug 25 Duration Returns 1 Month 0.3% 3 Month 1.9% 6 Month 4.5% 1 Year 8.5% 3 Year 7.6% 5 Year 7% 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 0.31 Yr. Sudhir Agarwal 25 Oct 12 12.77 Yr. Data below for UTI Short Term Income Fund as on 30 Jun 25
Asset Allocation
Asset Class Value Cash 10.01% Debt 89.77% Other 0.22% Debt Sector Allocation
Sector Value Corporate 65.05% Government 28.97% Cash Equivalent 5.77% Credit Quality
Rating Value AA 9.59% AAA 90.41% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.79% Govt Stock 2034
Sovereign Bonds | -9% ₹314 Cr 3,050,000,000 National Housing Bank
Debentures | -5% ₹179 Cr 17,500 Small Industries Development Bank Of India
Debentures | -5% ₹179 Cr 17,500 LIC Housing Finance Ltd
Debentures | -5% ₹179 Cr 1,750 Power Finance Corporation Limited
Debentures | -5% ₹178 Cr 17,500 National Bank For Agriculture And Rural Development
Debentures | -4% ₹143 Cr 14,000
↑ 5,000 Axis Bank Ltd.
Debentures | -4% ₹142 Cr 1,500,000,000 National Bank For Agriculture And Rural Development
Debentures | -4% ₹127 Cr 12,500 Export Import Bank Of India
Debentures | -4% ₹127 Cr 12,500 Mankind Pharma Limited
Debentures | -3% ₹102 Cr 10,000 6. UTI Treasury Advantage Fund
UTI Treasury Advantage Fund
Growth Launch Date 23 Apr 07 NAV (11 Aug 25) ₹3,581.33 ↑ 1.19 (0.03 %) Net Assets (Cr) ₹3,002 on 30 Jun 25 Category Debt - Low Duration AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 0.44 Sharpe Ratio 3.03 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.59% Effective Maturity 1 Year 7 Days Modified Duration 10 Months 28 Days Growth of 10,000 investment over the years.
Date Value 31 Jul 20 ₹10,000 31 Jul 21 ₹10,429 31 Jul 22 ₹11,341 31 Jul 23 ₹12,102 31 Jul 24 ₹12,979 31 Jul 25 ₹14,047 Returns for UTI Treasury Advantage Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 11 Aug 25 Duration Returns 1 Month 0.4% 3 Month 1.9% 6 Month 4.3% 1 Year 8.2% 3 Year 7.4% 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 3.67 Yr. Data below for UTI Treasury Advantage Fund as on 30 Jun 25
Asset Allocation
Asset Class Value Cash 33.9% Debt 65.81% Other 0.29% Debt Sector Allocation
Sector Value Corporate 64.58% Cash Equivalent 24.66% Government 10.47% Credit Quality
Rating Value AA 17.82% AAA 82.18% Top Securities Holdings / Portfolio
Name Holding Value Quantity Power Finance Corporation Limited
Debentures | -5% ₹149 Cr 1,500 182 Days Tbill
Sovereign Bonds | -5% ₹149 Cr 1,500,000,000
↓ -1,500,000,000 Bajaj Housing Finance Limited
Debentures | -4% ₹126 Cr 1,250 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
↑ 500 Shriram Finance Limited
Debentures | -3% ₹91 Cr 9,000 Nirma Limited
Debentures | -2% ₹76 Cr 7,500 Kotak Mahindra Bank Ltd.
Debentures | -2% ₹73 Cr 750,000,000
↑ 750,000,000 7. UTI Money Market Fund
UTI Money Market Fund
Growth Launch Date 13 Jul 09 NAV (11 Aug 25) ₹3,113.98 ↑ 1.24 (0.04 %) Net Assets (Cr) ₹18,354 on 30 Jun 25 Category Debt - Money Market AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Low Expense Ratio 0.27 Sharpe Ratio 3.32 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.3% Effective Maturity 7 Months 13 Days Modified Duration 7 Months 13 Days Growth of 10,000 investment over the years.
Date Value 31 Jul 20 ₹10,000 31 Jul 21 ₹10,397 31 Jul 22 ₹10,798 31 Jul 23 ₹11,563 31 Jul 24 ₹12,437 31 Jul 25 ₹13,442 Returns for UTI Money Market Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 11 Aug 25 Duration Returns 1 Month 0.5% 3 Month 1.9% 6 Month 4.2% 1 Year 8.1% 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 3.67 Yr. Amit Sharma 7 Jul 17 8.07 Yr. Data below for UTI Money Market Fund as on 30 Jun 25
Asset Allocation
Asset Class Value Cash 79.43% Debt 20.35% Other 0.21% Debt Sector Allocation
Sector Value Corporate 50.43% Cash Equivalent 27.13% Government 22.23% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 364 Days Tbill (Md 05/03/2026)
Sovereign Bonds | -2% ₹483 Cr 5,000,000,000 364 DTB 19mar2026
Sovereign Bonds | -2% ₹482 Cr 5,000,000,000 India (Republic of)
- | -2% ₹464 Cr 4,750,000,000 HDFC Bank Ltd.
Debentures | -2% ₹401 Cr 4,250,000,000
↓ -750,000,000 Axis Bank Ltd.
Debentures | -1% ₹285 Cr 3,000,000,000
↑ 3,000,000,000 364 Days Tbill Red 12-03-2026
Sovereign Bonds | -1% ₹241 Cr 2,500,000,000 Gs CG 12/12/2025 - (Strips) Tb
Sovereign Bonds | -1% ₹221 Cr 2,255,700,000
↑ 2,255,700,000 364 DTB 12022026
Sovereign Bonds | -1% ₹194 Cr 2,000,000,000 364 DTB 27022026
Sovereign Bonds | -1% ₹193 Cr 2,000,000,000 HDFC Bank Ltd.
Debentures | -1% ₹192 Cr 2,000,000,000
↑ 2,000,000,000 8. UTI Bond Fund
UTI Bond Fund
Growth Launch Date 4 May 98 NAV (11 Aug 25) ₹73.3549 ↓ -0.10 (-0.14 %) Net Assets (Cr) ₹330 on 30 Jun 25 Category Debt - Medium to Long term AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.62 Sharpe Ratio 0.78 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 5 Months 1 Day Modified Duration 6 Years 2 Months 19 Days Growth of 10,000 investment over the years.
Date Value 31 Jul 20 ₹10,000 31 Jul 21 ₹10,193 31 Jul 22 ₹11,865 31 Jul 23 ₹12,715 31 Jul 24 ₹13,613 31 Jul 25 ₹14,719 Returns for UTI Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 11 Aug 25 Duration Returns 1 Month -0.3% 3 Month 0.2% 6 Month 3.7% 1 Year 7.4% 3 Year 7.3% 5 Year 8% 10 Year 15 Year Since launch 7.6% 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 2.29 Yr. Data below for UTI Bond Fund as on 30 Jun 25
Asset Allocation
Asset Class Value Cash 3.24% Debt 96.5% Other 0.27% Debt Sector Allocation
Sector Value Government 63.41% Corporate 33.09% Cash Equivalent 3.24% Credit Quality
Rating Value AA 11.25% AAA 88.75% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.92% Govt Stock 2039
Sovereign Bonds | -37% ₹122 Cr 1,190,000,000 6.79% Govt Stock 2034
Sovereign Bonds | -8% ₹26 Cr 250,000,000 LIC Housing Finance Ltd
Debentures | -8% ₹26 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 Hdb Financial Services Limited
Debentures | -8% ₹25 Cr 250 Aditya Birla Renewables Limited
Debentures | -5% ₹15 Cr 1,500 Cholamandalam Investment And Finance Company Limited
Debentures | -5% ₹15 Cr 1,500 INDIA UNIVERSAL TRUST AL1
Unlisted bonds | -4% ₹14 Cr 15 Bajaj Finance Limited
Debentures | -2% ₹7 Cr 700 9. UTI Ultra Short Term Fund
UTI Ultra Short Term Fund
Growth Launch Date 29 Aug 03 NAV (11 Aug 25) ₹4,270.92 ↑ 1.54 (0.04 %) Net Assets (Cr) ₹4,551 on 30 Jun 25 Category Debt - Ultrashort Bond AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 0.96 Sharpe Ratio 2.18 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.46% Effective Maturity 5 Months 19 Days Modified Duration 5 Months 12 Days Growth of 10,000 investment over the years.
Date Value 31 Jul 20 ₹10,000 31 Jul 21 ₹10,380 31 Jul 22 ₹11,011 31 Jul 23 ₹11,707 31 Jul 24 ₹12,523 31 Jul 25 ₹13,432 Returns for UTI Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 11 Aug 25 Duration Returns 1 Month 0.4% 3 Month 1.7% 6 Month 3.7% 1 Year 7.2% 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 0.52 Yr. Data below for UTI Ultra Short Term Fund as on 30 Jun 25
Asset Allocation
Asset Class Value Cash 59.33% Debt 40.49% Other 0.18% Debt Sector Allocation
Sector Value Corporate 62.55% Cash Equivalent 29.89% Government 7.38% Credit Quality
Rating Value AA 12.82% AAA 87.18% Top Securities Holdings / Portfolio
Name Holding Value Quantity Small Industries Development Bank Of India
Debentures | -4% ₹181 Cr 1,800 Titan Company Limited
Debentures | -3% ₹151 Cr 15,000 Bajaj Housing Finance Limited
Debentures | -2% ₹101 Cr 1,000 LIC Housing Finance Ltd
Debentures | -2% ₹101 Cr 1,000 182 Days Tbill
Sovereign Bonds | -2% ₹99 Cr 1,000,000,000
↓ -500,000,000 India (Republic of)
- | -2% ₹99 Cr 1,000,000,000 Shriram Finance Limited
Debentures | -2% ₹81 Cr 8,000 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
↑ 500 10. UTI Gilt Fund
UTI Gilt Fund
Growth Launch Date 21 Jan 02 NAV (11 Aug 25) ₹62.5261 ↓ -0.28 (-0.45 %) Net Assets (Cr) ₹639 on 30 Jun 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 6.88% Effective Maturity 23 Years 9 Months 14 Days Modified Duration 9 Years 9 Months 18 Days Growth of 10,000 investment over the years.
Date Value 31 Jul 20 ₹10,000 31 Jul 21 ₹10,180 31 Jul 22 ₹10,339 31 Jul 23 ₹11,091 31 Jul 24 ₹12,006 31 Jul 25 ₹12,929 Returns for UTI Gilt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 11 Aug 25 Duration Returns 1 Month -0.3% 3 Month -0.5% 6 Month 3.3% 1 Year 6.7% 3 Year 7.5% 5 Year 5.3% 10 Year 15 Year Since launch 8.1% 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 0.31 Yr. Data below for UTI Gilt Fund as on 30 Jun 25
Asset Allocation
Asset Class Value Cash 3.41% Debt 96.59% Debt Sector Allocation
Sector Value Government 96.59% Cash Equivalent 3.41% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.34% Govt Stock 2064
Sovereign Bonds | -39% ₹260 Cr 2,500,000,000
↑ 350,000,000 6.79% Govt Stock 2034
Sovereign Bonds | -36% ₹237 Cr 2,300,000,000 7.3% Govt Stock 2053
Sovereign Bonds | -7% ₹47 Cr 450,000,000 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 7.46% Govt Stock 2073
Sovereign Bonds | -4% ₹26 Cr 250,000,000
↓ -50,000,000 6.9% Govt Stock 2065
Sovereign Bonds | -1% ₹5 Cr 50,000,000
↑ 50,000,000 Net Current Assets
Net Current Assets | -3% ₹21 Cr Clearing Corporation Of India Ltd. Std - Margin
CBLO/Reverse Repo | -0% ₹1 Cr 00 7.09% Govt Stock 2054
Sovereign Bonds | -₹0 Cr 00
↓ -250,000,000
How to Invest in Mutual Funds Online?
Open Free Investment Account for Lifetime at Fincash.com.
Complete your Registration and KYC Process
Upload Documents (PAN, Aadhaar, etc.). And, You are Ready to Invest!
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.
AMFI Registration No. 112358 | CIN: U74999MH2016PTC282153
Shepard Technologies Pvt. Ltd. (with ARN code 112358) makes no warranties or representations, express or implied, on products offered through the platform. It accepts no liability for any damages or losses, however caused, in connection with the use of, or on the reliance of its product or related services. Terms and conditions of the website are applicable.
©2025 Shepard Technologies Private Limited. All Rights Reserved
Research Highlights for UTI Banking & PSU Debt Fund