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2022 ਲਈ 10 ਸਰਵੋਤਮ UTI ਮਿਉਚੁਅਲ ਫੰਡ ਸਕੀਮਾਂ

Updated on September 28, 2026 , 17258 views

UTI ਮਿਉਚੁਅਲ ਫੰਡ, ਭਾਰਤ ਦੀਆਂ ਪ੍ਰਮੁੱਖ ਵਿੱਤੀ ਸੰਸਥਾਵਾਂ ਵਿੱਚੋਂ ਇੱਕ, ਨੇ ਨਿਵੇਸ਼ਕਾਂ ਵਿੱਚ ਬਹੁਤ ਜ਼ਿਆਦਾ ਵਿਸ਼ਵਾਸ ਹਾਸਲ ਕੀਤਾ ਹੈ। ਦਏ.ਐਮ.ਸੀ ਲਈ ਬਹੁਤ ਸਾਰੇ ਪੁਰਸਕਾਰ ਹਾਸਲ ਕੀਤੇ ਹਨਭੇਟਾ ਨਵੀਨਤਾਕਾਰੀ ਅਤੇ ਸਥਿਰ ਵਾਪਸੀ ਉਪਜਮਿਉਚੁਅਲ ਫੰਡ ਇਸਦੀ ਸ਼ੁਰੂਆਤ ਤੋਂ ਲੈ ਕੇ.

ਨਿਵੇਸ਼ਕਾਂ ਨੂੰ ਇੱਕ ਯੋਜਨਾਬੱਧ ਬਣਾਈ ਰੱਖਣ ਵਿੱਚ ਮਦਦ ਕਰਨ ਲਈਸੰਪੱਤੀ ਵੰਡ ਯੋਜਨਾ, AMC ਵਿਆਪਕ ਦੇ ਅਧਾਰ 'ਤੇ ਇੱਕ ਚੰਗੀ-ਵਿਭਿੰਨਤਾ ਅਤੇ ਇੱਕ ਸੰਤੁਲਿਤ ਨਿਵੇਸ਼ ਪੋਰਟਫੋਲੀਓ ਦੀ ਪੇਸ਼ਕਸ਼ ਕਰਦਾ ਹੈਬਜ਼ਾਰ ਖੋਜ ਨਿਵੇਸ਼ਕ ਕਈ ਸਕੀਮਾਂ ਵਿੱਚ ਨਿਵੇਸ਼ ਕਰ ਸਕਦੇ ਹਨ ਜਿਵੇਂ- ਇਕੁਇਟੀ, ਕਰਜ਼ਾ, ਸੰਤੁਲਿਤ,ਤਰਲ ਫੰਡ, ਆਦਿ

UTI

ਤੁਸੀਂ ਆਪਣੇ ਵੱਖ-ਵੱਖ ਟੀਚਿਆਂ ਦੀ ਯੋਜਨਾ ਬਣਾ ਸਕਦੇ ਹੋ ਜਿਵੇਂ ਕਿ ਧਨ ਸਿਰਜਣਾ,ਰਿਟਾਇਰਮੈਂਟ ਦੀ ਯੋਜਨਾਬੰਦੀ, ਬੱਚੇ ਦੀ ਉੱਚ ਸਿੱਖਿਆ, ਟੈਕਸ ਬਚਤ, ਆਦਿ, ਦੁਆਰਾਨਿਵੇਸ਼ ਇਹਨਾਂ ਸਕੀਮਾਂ ਵਿੱਚ.

ਵਧੀਆ UTI ਮਿਉਚੁਅਲ ਫੰਡ ਸਕੀਮਾਂ ਵਿੱਚ ਨਿਵੇਸ਼ ਕਿਉਂ ਕਰੋ?

a ਸੁਰੱਖਿਆ

UTI ਮਿਉਚੁਅਲ ਫੰਡ ਹਮੇਸ਼ਾ ਦੀ ਸੁਰੱਖਿਆ ਲਈ ਯਤਨ ਕਰਦਾ ਹੈਨਿਵੇਸ਼ਕਦੇ ਪੈਸੇ ਅਤੇ ਲਈਪੂੰਜੀ ਇਸ ਨੂੰ ਸਮਝਦਾਰੀ ਨਾਲ ਨਿਵੇਸ਼ ਕਰਕੇ ਪ੍ਰਸ਼ੰਸਾ.

ਬੀ. ਇਕਸਾਰ ਰਿਟਰਨ

UTI ਮਿਉਚੁਅਲ ਫੰਡ ਹਮੇਸ਼ਾ ਆਪਣੇ ਨਿਵੇਸ਼ਕਾਂ ਨੂੰ ਲਗਾਤਾਰ ਰਿਟਰਨ ਪ੍ਰਦਾਨ ਕਰਨ ਲਈ ਸਖ਼ਤ ਕੋਸ਼ਿਸ਼ ਕਰਦਾ ਹੈ ਤਾਂ ਜੋ ਉਹ ਆਪਣੇ ਉਦੇਸ਼ਾਂ ਨੂੰ ਪ੍ਰਾਪਤ ਕਰ ਸਕਣ।

c. ਪਹੁੰਚ ਦੀ ਸੌਖ

ਨਿਵੇਸ਼ਕ ਕਿਸੇ ਵੀ ਸਮੇਂ ਅਤੇ ਕਿਤੇ ਵੀ ਔਨਲਾਈਨ ਆਪਣੇ ਮਿਉਚੁਅਲ ਫੰਡ ਖਾਤੇ ਦੀ ਨਿਗਰਾਨੀ ਅਤੇ ਪਹੁੰਚ ਕਰ ਸਕਦੇ ਹਨ। ਨਾਲ ਹੀ, ਫੰਡ ਹਾਉਸ ਨਾਲ ਲੈਣ-ਦੇਣ ਅਤੇ ਪਰਸਪਰ ਪ੍ਰਭਾਵ ਦੀ ਪ੍ਰਕਿਰਿਆ ਵੀ ਮੁਸ਼ਕਲ ਰਹਿਤ ਅਤੇ ਬਹੁਤ ਉਪਭੋਗਤਾ-ਅਨੁਕੂਲ ਹੈ।

d. ਰਿਟਾਇਰਮੈਂਟ ਦੀ ਯੋਜਨਾਬੰਦੀ

UTI ਸਕੀਮਾਂ ਨਿਵੇਸ਼ਕਾਂ ਨੂੰ ਉਨ੍ਹਾਂ ਦੇ ਭਵਿੱਖ ਲਈ ਯੋਜਨਾ ਬਣਾਉਣ ਵਿੱਚ ਵੀ ਮਦਦ ਕਰਦੀਆਂ ਹਨ। ਇਹ ਉਹਨਾਂ ਦੀ ਰਿਟਾਇਰਮੈਂਟ ਯੋਜਨਾਵਾਂ ਨੂੰ ਮੈਪ ਕਰਨ ਵਿੱਚ ਮਦਦ ਕਰਦਾ ਹੈ ਅਤੇ ਨਿਵੇਸ਼ਕਾਂ ਦੀ ਮਦਦ ਕਰਨ ਲਈ UTI - ਰਿਟਾਇਰਮੈਂਟ ਬੈਨੀਫਿਟ ਪੈਨਸ਼ਨ ਫੰਡ ਨਿਵੇਸ਼ ਵਰਗੀਆਂ ਕੁਝ ਚੰਗੀ ਤਰ੍ਹਾਂ ਤਿਆਰ ਕੀਤੀਆਂ ਸਕੀਮਾਂ ਹਨ।

ਈ. ਟੈਕਸ ਲਾਭ

ਫੰਡ ਹਾਊਸ ਇੱਕ ਟੈਕਸ ਬਚਤ ਮਿਉਚੁਅਲ ਫੰਡ ਦੀ ਪੇਸ਼ਕਸ਼ ਕਰਦਾ ਹੈ ਜਿਸ ਰਾਹੀਂ ਲੋਕ ਆਪਣੇ ਲਈ ਯੋਜਨਾ ਬਣਾ ਸਕਦੇ ਹਨਟੈਕਸ. ਨਾਲ ਹੀ, ਹੋਰ ਸਕੀਮਾਂ ਵਿੱਚ, ਲੋਕ ਸਕੀਮ ਸ਼੍ਰੇਣੀ ਦੇ ਅਧਾਰ ਤੇ ਟੈਕਸ ਲਾਭਾਂ ਦਾ ਦਾਅਵਾ ਕਰ ਸਕਦੇ ਹਨ।

ਨਿਵੇਸ਼ ਕਰਨ ਦੀ ਯੋਜਨਾ ਬਣਾ ਰਹੇ ਨਿਵੇਸ਼ਕ ਹੇਠਾਂ ਸੂਚੀਬੱਧ ਚੋਟੀ ਦੀਆਂ 10 ਸਭ ਤੋਂ ਵਧੀਆ UTI ਮਿਉਚੁਅਲ ਫੰਡ ਸਕੀਮਾਂ ਵਿੱਚੋਂ ਇੱਕ ਫੰਡ ਚੁਣ ਸਕਦੇ ਹਨ। ਇਹਨਾਂ ਫੰਡਾਂ ਨੂੰ ਕੁਝ ਮਾਪਦੰਡ ਜਿਵੇਂ ਕਿ ਏ.ਯੂ.ਐਮ.ਨਹੀ ਹਨ, ਪਿਛਲੇ ਪ੍ਰਦਰਸ਼ਨ, ਪੀਅਰ ਔਸਤ ਰਿਟਰਨ, ਆਦਿ।

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ਵਧੀਆ UTI ਮਿਉਚੁਅਲ ਫੰਡ ਸਕੀਮਾਂ

FundNAVNet Assets (Cr)Min InvestmentMin SIP Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)Since launch (%)2024 (%)
UTI Banking & PSU Debt Fund Growth ₹23.5994
↑ 0.01
₹1,486 5,000 500 1.53.45.87.27.577.8
UTI Dynamic Bond Fund Growth ₹32.4302
↑ 0.00
₹405 10,000 500 0.42.74.36.36.97.56
UTI Money Market Fund Growth ₹3,340.12
↑ 1.51
₹19,468 10,000 500 1.63.66.47.36.77.37.5
UTI Treasury Advantage Fund Growth ₹3,827.94
↑ 1.84
₹2,397 10,000 500 1.43.367.16.57.17.5
UTI Ultra Short Term Fund Growth ₹4,559.47
↑ 1.94
₹3,536 5,000 500 1.53.366.766.86.6
UTI Short Term Income Fund Growth ₹33.7031
↑ 0.02
₹2,030 10,000 500 0.62.94.76.866.67.3
UTI Gilt Fund Growth ₹65.4817
↓ -0.02
₹420 5,000 500 -0.32.84.56.25.37.95.1
UTI Bond Fund Growth ₹75.9679
↑ 0.03
₹303 1,000 500 -0.12.93.25.96.67.45.6
UTI Regular Savings Fund Growth ₹69.7613
↓ -0.01
₹1,646 5,000 500 -1.23.30.86.86.28.96.1
UTI Liquid Cash Plan Growth ₹462.325
↑ 0.10
₹29,218 500 1,500 1.53.46.46.96.36.86.5
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 30 Sep 26

Research Highlights & Commentary of 10 Funds showcased

CommentaryUTI Banking & PSU Debt FundUTI Dynamic Bond FundUTI Money Market FundUTI Treasury Advantage FundUTI Ultra Short Term FundUTI Short Term Income FundUTI Gilt FundUTI Bond FundUTI Regular Savings FundUTI Liquid Cash Plan
Point 1Lower mid AUM (₹1,486 Cr).Bottom quartile AUM (₹405 Cr).Top quartile AUM (₹19,468 Cr).Upper mid AUM (₹2,397 Cr).Upper mid AUM (₹3,536 Cr).Upper mid AUM (₹2,030 Cr).Bottom quartile AUM (₹420 Cr).Bottom quartile AUM (₹303 Cr).Lower mid AUM (₹1,646 Cr).Highest AUM (₹29,218 Cr).
Point 2Established history (12+ yrs).Established history (16+ yrs).Established history (17+ yrs).Established history (19+ yrs).Established history (23+ yrs).Established history (19+ yrs).Established history (24+ yrs).Oldest track record among peers (28 yrs).Established history (22+ yrs).Established history (22+ yrs).
Point 3Top 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 4Risk 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: Low.
Point 51Y return: 5.80% (upper mid).1Y return: 4.32% (bottom quartile).1Y return: 6.42% (top quartile).1Y return: 6.05% (upper mid).1Y return: 5.98% (upper mid).1Y return: 4.68% (lower mid).1Y return: 4.52% (lower mid).1Y return: 3.23% (bottom quartile).5Y return: 6.19% (lower mid).1Y return: 6.40% (top quartile).
Point 61M return: 0.49% (top quartile).1M return: 0.06% (lower mid).1M return: 0.52% (top quartile).1M return: 0.44% (upper mid).1M return: 0.48% (upper mid).1M return: 0.13% (lower mid).1M return: -0.31% (bottom quartile).1M return: -0.22% (bottom quartile).3Y return: 6.78% (lower mid).1M return: 0.48% (upper mid).
Point 7Sharpe: 0.31 (upper mid).Sharpe: -0.17 (lower mid).Sharpe: 0.97 (top quartile).Sharpe: 0.63 (upper mid).Sharpe: 0.61 (upper mid).Sharpe: -0.23 (bottom quartile).Sharpe: 0.26 (lower mid).Sharpe: -0.43 (bottom quartile).1Y return: 0.79% (bottom quartile).Sharpe: 2.97 (top quartile).
Point 8Information 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: -1.49% (bottom quartile).Information ratio: 0.00 (bottom quartile).
Point 9Yield to maturity (debt): 6.98% (lower mid).Yield to maturity (debt): 7.36% (upper mid).Yield to maturity (debt): 6.92% (bottom quartile).Yield to maturity (debt): 7.25% (upper mid).Yield to maturity (debt): 7.13% (lower mid).Yield to maturity (debt): 7.50% (upper mid).Yield to maturity (debt): 6.15% (bottom quartile).Yield to maturity (debt): 7.79% (top quartile).Alpha: 0.00 (bottom quartile).Yield to maturity (debt): 6.36% (bottom quartile).
Point 10Modified duration: 0.59 yrs (upper mid).Modified duration: 1.89 yrs (lower mid).Modified duration: 0.46 yrs (upper mid).Modified duration: 0.74 yrs (upper mid).Modified duration: 0.44 yrs (top quartile).Modified duration: 2.25 yrs (lower mid).Modified duration: 3.00 yrs (bottom quartile).Modified duration: 4.10 yrs (bottom quartile).Sharpe: -0.41 (bottom quartile).Modified duration: 0.10 yrs (top quartile).

UTI Banking & PSU Debt Fund

  • Lower mid AUM (₹1,486 Cr).
  • Established history (12+ yrs).
  • Top rated.
  • Risk profile: Moderate.
  • 1Y return: 5.80% (upper mid).
  • 1M return: 0.49% (top quartile).
  • Sharpe: 0.31 (upper mid).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 6.98% (lower mid).
  • Modified duration: 0.59 yrs (upper mid).

UTI Dynamic Bond Fund

  • Bottom quartile AUM (₹405 Cr).
  • Established history (16+ yrs).
  • Rating: 5★ (top quartile).
  • Risk profile: Moderate.
  • 1Y return: 4.32% (bottom quartile).
  • 1M return: 0.06% (lower mid).
  • Sharpe: -0.17 (lower mid).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 7.36% (upper mid).
  • Modified duration: 1.89 yrs (lower mid).

UTI Money Market Fund

  • Top quartile AUM (₹19,468 Cr).
  • Established history (17+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 6.42% (top quartile).
  • 1M return: 0.52% (top quartile).
  • Sharpe: 0.97 (top quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 6.92% (bottom quartile).
  • Modified duration: 0.46 yrs (upper mid).

UTI Treasury Advantage Fund

  • Upper mid AUM (₹2,397 Cr).
  • Established history (19+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Moderately Low.
  • 1Y return: 6.05% (upper mid).
  • 1M return: 0.44% (upper mid).
  • Sharpe: 0.63 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 7.25% (upper mid).
  • Modified duration: 0.74 yrs (upper mid).

UTI Ultra Short Term Fund

  • Upper mid AUM (₹3,536 Cr).
  • Established history (23+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Moderately Low.
  • 1Y return: 5.98% (upper mid).
  • 1M return: 0.48% (upper mid).
  • Sharpe: 0.61 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 7.13% (lower mid).
  • Modified duration: 0.44 yrs (top quartile).

UTI Short Term Income Fund

  • Upper mid AUM (₹2,030 Cr).
  • Established history (19+ yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: Moderate.
  • 1Y return: 4.68% (lower mid).
  • 1M return: 0.13% (lower mid).
  • Sharpe: -0.23 (bottom quartile).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 7.50% (upper mid).
  • Modified duration: 2.25 yrs (lower mid).

UTI Gilt Fund

  • Bottom quartile AUM (₹420 Cr).
  • Established history (24+ yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: Moderate.
  • 1Y return: 4.52% (lower mid).
  • 1M return: -0.31% (bottom quartile).
  • Sharpe: 0.26 (lower mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 6.15% (bottom quartile).
  • Modified duration: 3.00 yrs (bottom quartile).

UTI Bond Fund

  • Bottom quartile AUM (₹303 Cr).
  • Oldest track record among peers (28 yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderate.
  • 1Y return: 3.23% (bottom quartile).
  • 1M return: -0.22% (bottom quartile).
  • Sharpe: -0.43 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 7.79% (top quartile).
  • Modified duration: 4.10 yrs (bottom quartile).

UTI Regular Savings Fund

  • Lower mid AUM (₹1,646 Cr).
  • Established history (22+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 6.19% (lower mid).
  • 3Y return: 6.78% (lower mid).
  • 1Y return: 0.79% (bottom quartile).
  • 1M return: -1.49% (bottom quartile).
  • Alpha: 0.00 (bottom quartile).
  • Sharpe: -0.41 (bottom quartile).

UTI Liquid Cash Plan

  • Highest AUM (₹29,218 Cr).
  • Established history (22+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 6.40% (top quartile).
  • 1M return: 0.48% (upper mid).
  • Sharpe: 2.97 (top quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.36% (bottom quartile).
  • Modified duration: 0.10 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 (₹1,486 Cr).
  • Established history (12+ yrs).
  • Top rated.
  • Risk profile: Moderate.
  • 1Y return: 5.80% (upper mid).
  • 1M return: 0.49% (top quartile).
  • Sharpe: 0.31 (upper mid).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 6.98% (lower mid).
  • Modified duration: 0.59 yrs (upper mid).
  • Average maturity: 0.62 yrs (upper mid).
  • Exit load: NIL.

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

UTI Banking & PSU Debt Fund
Growth
Launch Date 3 Feb 14
NAV (30 Sep 26) ₹23.5994 ↑ 0.01   (0.04 %)
Net Assets (Cr) ₹1,486 on 15 Aug 26
Category Debt - Banking & PSU Debt
AMC UTI Asset Management Company Ltd
Rating ☆☆☆☆☆
Risk Moderate
Expense Ratio 0.54
Sharpe Ratio 0.31
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.98%
Effective Maturity 7 Months 13 Days
Modified Duration 7 Months 2 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 21₹10,000
30 Sep 22₹10,915
30 Sep 23₹11,648
30 Sep 24₹12,558
30 Sep 25₹13,557

UTI Banking & PSU Debt Fund SIP Returns

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

Returns for UTI Banking & PSU Debt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Sep 26

DurationReturns
1 Month 0.5%
3 Month 1.5%
6 Month 3.4%
1 Year 5.8%
3 Year 7.2%
5 Year 7.5%
10 Year
15 Year
Since launch 7%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.8%
2023 7.6%
2022 6.7%
2021 10.3%
2020 2.8%
2019 8.9%
2018 -1%
2017 6.8%
2016 6.4%
2015 11.7%
Fund Manager information for UTI Banking & PSU Debt Fund
NameSinceTenure
Anurag Mittal1 Dec 214.75 Yr.

Data below for UTI Banking & PSU Debt Fund as on 15 Aug 26

Asset Allocation
Asset ClassValue
Cash50.46%
Debt49.28%
Other0.26%
Debt Sector Allocation
SectorValue
Corporate66.9%
Government19.39%
Cash Equivalent13.45%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
ICICI Bank Ltd.
Debentures | -
5%₹72 Cr750,000,000
National Bank For Agriculture And Rural Development
Debentures | -
4%₹55 Cr5,500
Axis Bank Limited
Debentures | -
4%₹55 Cr550
7.38% Govt Stock 2027
Sovereign Bonds | -
3%₹51 Cr500,000,000
7.61% Tamilnadu SDL 2027
Sovereign Bonds | -
3%₹50 Cr500,000,000
Aditya Birla Housing Finance Limited
Debentures | -
3%₹40 Cr4,000
National Housing Bank
Debentures | -
2%₹35 Cr3,500
HDFC Bank Limited
Debentures | -
2%₹35 Cr350
Indian Railway Finance Corporation Limited
Debentures | -
2%₹30 Cr300
7.86% Karnataka Sdl 2027
Sovereign Bonds | -
2%₹25 Cr250,000,000

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 (₹405 Cr).
  • Established history (16+ yrs).
  • Rating: 5★ (top quartile).
  • Risk profile: Moderate.
  • 1Y return: 4.32% (bottom quartile).
  • 1M return: 0.06% (lower mid).
  • Sharpe: -0.17 (lower mid).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 7.36% (upper mid).
  • Modified duration: 1.89 yrs (lower mid).
  • Average maturity: 3.19 yrs (lower mid).
  • Exit load: NIL.

Below is the key information for UTI Dynamic Bond Fund

UTI Dynamic Bond Fund
Growth
Launch Date 16 Jun 10
NAV (30 Sep 26) ₹32.4302 ↑ 0.00   (0.01 %)
Net Assets (Cr) ₹405 on 15 Aug 26
Category Debt - Dynamic Bond
AMC UTI Asset Management Company Ltd
Rating ☆☆☆☆☆
Risk Moderate
Expense Ratio 1.55
Sharpe Ratio -0.17
Information Ratio 0
Alpha Ratio 0
Min Investment 10,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 7.36%
Effective Maturity 3 Years 2 Months 8 Days
Modified Duration 1 Year 10 Months 20 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 21₹10,000
30 Sep 22₹10,922
30 Sep 23₹11,587
30 Sep 24₹12,622
30 Sep 25₹13,354

UTI Dynamic Bond Fund SIP Returns

   
My Monthly Investment:
₹
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132
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 30 Sep 26

DurationReturns
1 Month 0.1%
3 Month 0.4%
6 Month 2.7%
1 Year 4.3%
3 Year 6.3%
5 Year 6.9%
10 Year
15 Year
Since launch 7.5%
Historical performance (Yearly) on absolute basis
YearReturns
2024 6%
2023 8.6%
2022 6.2%
2021 10.1%
2020 10.8%
2019 5.9%
2018 -3.9%
2017 5.2%
2016 4.2%
2015 14.9%
Fund Manager information for UTI Dynamic Bond Fund
NameSinceTenure
Pankaj Pathak8 Apr 251.4 Yr.

Data below for UTI Dynamic Bond Fund as on 15 Aug 26

Asset Allocation
Asset ClassValue
Cash18.51%
Debt81.11%
Other0.38%
Debt Sector Allocation
SectorValue
Government40.94%
Corporate40.17%
Cash Equivalent18.51%
Credit Quality
RatingValue
AA19.71%
AAA80.29%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.9% Govt Stock 2065
Sovereign Bonds | -
23%₹90 Cr1,000,000,000
↓ -250,000,000
7.71% Govt Stock 2066
Sovereign Bonds | -
13%₹50 Cr500,000,000
↑ 500,000,000
Bharti Telecom Limited
Debentures | -
6%₹25 Cr2,500
Mahindra Rural Housing Finance Limited
Debentures | -
6%₹25 Cr2,500
Jamnagar Utilities & Power Private Limited
Debentures | -
6%₹25 Cr2,500
Can Fin Homes Limited
Debentures | -
5%₹20 Cr2,000
Cholamandalam Investment And Finance Company Limited
Debentures | -
5%₹20 Cr2,000
Torrent Pharmaceuticals Ltd
Debentures | -
5%₹20 Cr2,000
7.24% Govt Stock 2055
Sovereign Bonds | -
4%₹14 Cr150,000,000
Mankind Pharma Limited
Debentures | -
3%₹10 Cr1,000

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

  • Top quartile AUM (₹19,468 Cr).
  • Established history (17+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 6.42% (top quartile).
  • 1M return: 0.52% (top quartile).
  • Sharpe: 0.97 (top quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 6.92% (bottom quartile).
  • Modified duration: 0.46 yrs (upper mid).
  • Average maturity: 0.46 yrs (top quartile).
  • Exit load: NIL.

Below is the key information for UTI Money Market Fund

UTI Money Market Fund
Growth
Launch Date 13 Jul 09
NAV (30 Sep 26) ₹3,340.12 ↑ 1.51   (0.05 %)
Net Assets (Cr) ₹19,468 on 31 Aug 26
Category Debt - Money Market
AMC UTI Asset Management Company Ltd
Rating ☆☆☆☆
Risk Low
Expense Ratio 0.25
Sharpe Ratio 0.97
Information Ratio 0
Alpha Ratio 0
Min Investment 10,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.92%
Effective Maturity 5 Months 16 Days
Modified Duration 5 Months 16 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 21₹10,000
30 Sep 22₹10,414
30 Sep 23₹11,178
30 Sep 24₹12,035
30 Sep 25₹12,973

UTI Money Market Fund SIP Returns

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

Returns for UTI Money Market Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Sep 26

DurationReturns
1 Month 0.5%
3 Month 1.6%
6 Month 3.6%
1 Year 6.4%
3 Year 7.3%
5 Year 6.7%
10 Year
15 Year
Since launch 7.3%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.5%
2023 7.7%
2022 7.4%
2021 4.9%
2020 3.7%
2019 6%
2018 8%
2017 7.8%
2016 6.7%
2015 7.7%
Fund Manager information for UTI Money Market Fund
NameSinceTenure
Anurag Mittal1 Dec 214.75 Yr.
Amit Sharma7 Jul 179.16 Yr.

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

Asset Allocation
Asset ClassValue
Cash86.51%
Debt13.16%
Other0.33%
Debt Sector Allocation
SectorValue
Corporate45.42%
Cash Equivalent36.67%
Government17.58%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
India (Republic of)
- | -
3%₹489 Cr5,000,000,000
India (Republic of)
- | -
2%₹342 Cr3,500,000,000
UCO Bank
Domestic Bonds | -
1%₹237 Cr2,500,000,000
Indian Overseas Bank
Debentures | -
1%₹194 Cr2,000,000,000
Axis Bank Ltd.
Debentures | -
1%₹194 Cr2,000,000,000
Punjab & Sind Bank
Debentures | -
1%₹169 Cr1,750,000,000
AU Small Finance Bank Ltd.
Debentures | -
1%₹140 Cr1,500,000,000
HDFC Bank Ltd.
Debentures | -
1%₹97 Cr1,000,000,000
Ujjivan Small Finance Bank Limited
Debentures | -
1%₹97 Cr1,000,000,000
Axis Bank Ltd.
Debentures | -
1%₹97 Cr1,000,000,000

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 (₹2,397 Cr).
  • Established history (19+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Moderately Low.
  • 1Y return: 6.05% (upper mid).
  • 1M return: 0.44% (upper mid).
  • Sharpe: 0.63 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 7.25% (upper mid).
  • Modified duration: 0.74 yrs (upper mid).
  • Average maturity: 0.81 yrs (upper mid).
  • Exit load: NIL.

Below is the key information for UTI Treasury Advantage Fund

UTI Treasury Advantage Fund
Growth
Launch Date 23 Apr 07
NAV (30 Sep 26) ₹3,827.94 ↑ 1.84   (0.05 %)
Net Assets (Cr) ₹2,397 on 15 Aug 26
Category Debt - Low Duration
AMC UTI Asset Management Company Ltd
Rating ☆☆☆☆
Risk Moderately Low
Expense Ratio 0.45
Sharpe Ratio 0.63
Information Ratio 0
Alpha Ratio 0
Min Investment 10,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 7.25%
Effective Maturity 9 Months 22 Days
Modified Duration 8 Months 26 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 21₹10,000
30 Sep 22₹10,397
30 Sep 23₹11,126
30 Sep 24₹11,970
30 Sep 25₹12,902

UTI Treasury Advantage Fund SIP Returns

   
My Monthly Investment:
₹
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132
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 30 Sep 26

DurationReturns
1 Month 0.4%
3 Month 1.4%
6 Month 3.3%
1 Year 6%
3 Year 7.1%
5 Year 6.5%
10 Year
15 Year
Since launch 7.1%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.5%
2023 7.7%
2022 7.1%
2021 4.5%
2020 9%
2019 7.3%
2018 -4.2%
2017 7.3%
2016 7%
2015 8.9%
Fund Manager information for UTI Treasury Advantage Fund
NameSinceTenure
Anurag Mittal1 Dec 214.75 Yr.

Data below for UTI Treasury Advantage Fund as on 15 Aug 26

Asset Allocation
Asset ClassValue
Cash39.46%
Debt60.17%
Other0.37%
Debt Sector Allocation
SectorValue
Corporate62.55%
Cash Equivalent26.9%
Government10.19%
Credit Quality
RatingValue
AA12.51%
AAA87.49%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Tbill
Sovereign Bonds | -
7%₹198 Cr2,000,000,000
Rec Limited
Debentures | -
5%₹140 Cr14,000
National Bank For Agriculture And Rural Development
Debentures | -
5%₹125 Cr12,500
Mahindra Rural Housing Finance Limited
Debentures | -
4%₹100 Cr10,000
Summit Digitel Infrastructure Limited
Debentures | -
4%₹99 Cr1,000
Embassy Office Parks Reit
Debentures | -
4%₹95 Cr950
National Bank For Agriculture And Rural Development
Debentures | -
3%₹75 Cr7,500
RADHAKRISHNA SECURITISATION TRUST
Unlisted bonds | -
2%₹53 Cr55
360 One Prime Limited
Debentures | -
2%₹50 Cr500,000
Can Fin Homes Limited
Debentures | -
2%₹50 Cr5,000

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 (₹3,536 Cr).
  • Established history (23+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Moderately Low.
  • 1Y return: 5.98% (upper mid).
  • 1M return: 0.48% (upper mid).
  • Sharpe: 0.61 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 7.13% (lower mid).
  • Modified duration: 0.44 yrs (top quartile).
  • Average maturity: 0.56 yrs (upper mid).
  • Exit load: NIL.

Below is the key information for UTI Ultra Short Term Fund

UTI Ultra Short Term Fund
Growth
Launch Date 29 Aug 03
NAV (30 Sep 26) ₹4,559.47 ↑ 1.94   (0.04 %)
Net Assets (Cr) ₹3,536 on 15 Aug 26
Category Debt - Ultrashort Bond
AMC UTI Asset Management Company Ltd
Rating ☆☆☆☆
Risk Moderately Low
Expense Ratio 0.93
Sharpe Ratio 0.61
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 7.13%
Effective Maturity 6 Months 21 Days
Modified Duration 5 Months 8 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 21₹10,000
30 Sep 22₹10,360
30 Sep 23₹11,043
30 Sep 24₹11,830
30 Sep 25₹12,653

UTI Ultra Short Term Fund SIP Returns

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

Returns for UTI Ultra Short Term Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Sep 26

DurationReturns
1 Month 0.5%
3 Month 1.5%
6 Month 3.3%
1 Year 6%
3 Year 6.7%
5 Year 6%
10 Year
15 Year
Since launch 6.8%
Historical performance (Yearly) on absolute basis
YearReturns
2024 6.6%
2023 7.2%
2022 6.7%
2021 4.2%
2020 6.1%
2019 5.3%
2018 3.3%
2017 7%
2016 6.6%
2015 8.9%
Fund Manager information for UTI Ultra Short Term Fund
NameSinceTenure
Anurag Mittal21 Jul 260.12 Yr.

Data below for UTI Ultra Short Term Fund as on 15 Aug 26

Asset Allocation
Asset ClassValue
Cash68.18%
Debt31.46%
Other0.36%
Debt Sector Allocation
SectorValue
Corporate58.26%
Cash Equivalent27.19%
Government14.19%
Credit Quality
RatingValue
AA27.31%
AAA72.69%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
26/11/2026 Maturing 364 DTB
Sovereign Bonds | -
5%₹198 Cr2,000,000,000
Axis Bank Ltd.
Debentures | -
4%₹146 Cr1,500,000,000
Godrej Properties Limited
Debentures | -
2%₹90 Cr9,000
Piramal Finance Limited
Debentures | -
2%₹85 Cr8,500
Nuvama Wealth Finance Limited
Debentures | -
2%₹75 Cr7,500
360 One Prime Limited
Debentures | -
2%₹75 Cr7,500
Poonawalla Fincorp Limited
Debentures | -
2%₹75 Cr7,500
Ujjivan Small Finance Bank Limited
Debentures | -
2%₹74 Cr750,000,000
Aditya Birla Renewables Limited
Debentures | -
2%₹65 Cr6,500
360 One Prime Limited
Debentures | -
1%₹50 Cr5,000

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 (₹2,030 Cr).
  • Established history (19+ yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: Moderate.
  • 1Y return: 4.68% (lower mid).
  • 1M return: 0.13% (lower mid).
  • Sharpe: -0.23 (bottom quartile).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 7.50% (upper mid).
  • Modified duration: 2.25 yrs (lower mid).
  • Average maturity: 2.92 yrs (lower mid).
  • Exit load: NIL.

Below is the key information for UTI Short Term Income Fund

UTI Short Term Income Fund
Growth
Launch Date 19 Sep 07
NAV (30 Sep 26) ₹33.7031 ↑ 0.02   (0.06 %)
Net Assets (Cr) ₹2,030 on 15 Aug 26
Category Debt - Short term Bond
AMC UTI Asset Management Company Ltd
Rating ☆☆☆☆
Risk Moderate
Expense Ratio 0.85
Sharpe Ratio -0.23
Information Ratio 0
Alpha Ratio 0
Min Investment 10,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 7.5%
Effective Maturity 2 Years 11 Months 1 Day
Modified Duration 2 Years 3 Months

Growth of 10,000 investment over the years.

DateValue
30 Sep 21₹10,000
30 Sep 22₹10,308
30 Sep 23₹11,002
30 Sep 24₹11,888
30 Sep 25₹12,795

UTI Short Term Income Fund SIP Returns

   
My Monthly Investment:
₹
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹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 30 Sep 26

DurationReturns
1 Month 0.1%
3 Month 0.6%
6 Month 2.9%
1 Year 4.7%
3 Year 6.8%
5 Year 6%
10 Year
15 Year
Since launch 6.6%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.3%
2023 7.9%
2022 6.9%
2021 3.8%
2020 8.4%
2019 10.5%
2018 -3.9%
2017 6%
2016 6.1%
2015 10.1%
Fund Manager information for UTI Short Term Income Fund
NameSinceTenure
Anurag Mittal21 Jul 260.12 Yr.

Data below for UTI Short Term Income Fund as on 15 Aug 26

Asset Allocation
Asset ClassValue
Cash16.24%
Debt83.24%
Other0.52%
Debt Sector Allocation
SectorValue
Corporate61.37%
Government27.36%
Cash Equivalent10.75%
Credit Quality
RatingValue
AA14.79%
AAA85.21%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Export Import Bank Of India
Debentures | -
7%₹123 Cr12,500
Vedanta Limited
Debentures | -
5%₹98 Cr9,800
LIC Housing Finance Ltd
Debentures | -
4%₹75 Cr7,500
Poonawalla Fincorp Limited
Debentures | -
4%₹75 Cr7,500
360 One Prime Limited
Debentures | -
4%₹75 Cr7,500
Small Industries Development Bank Of India
Debentures | -
4%₹74 Cr7,500
LIC Housing Finance Ltd
Debentures | -
3%₹51 Cr500
Rec Limited
Debentures | -
3%₹51 Cr500
7.18% Govt Stock 2033
Sovereign Bonds | -
3%₹51 Cr500,000,000
National Bank For Agriculture And Rural Development
Debentures | -
3%₹50 Cr5,000

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 (₹420 Cr).
  • Established history (24+ yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: Moderate.
  • 1Y return: 4.52% (lower mid).
  • 1M return: -0.31% (bottom quartile).
  • Sharpe: 0.26 (lower mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 6.15% (bottom quartile).
  • Modified duration: 3.00 yrs (bottom quartile).
  • Average maturity: 6.89 yrs (bottom quartile).
  • Exit load: NIL.

Below is the key information for UTI Gilt Fund

UTI Gilt Fund
Growth
Launch Date 21 Jan 02
NAV (30 Sep 26) ₹65.4817 ↓ -0.02   (-0.03 %)
Net Assets (Cr) ₹420 on 31 Aug 26
Category Debt - Government Bond
AMC UTI Asset Management Company Ltd
Rating ☆☆☆☆
Risk Moderate
Expense Ratio 0.92
Sharpe Ratio 0.26
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.15%
Effective Maturity 6 Years 10 Months 20 Days
Modified Duration 3 Years

Growth of 10,000 investment over the years.

DateValue
30 Sep 21₹10,000
30 Sep 22₹10,132
30 Sep 23₹10,824
30 Sep 24₹11,883
30 Sep 25₹12,409

UTI Gilt Fund SIP Returns

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

Returns for UTI Gilt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Sep 26

DurationReturns
1 Month -0.3%
3 Month -0.3%
6 Month 2.8%
1 Year 4.5%
3 Year 6.2%
5 Year 5.3%
10 Year
15 Year
Since launch 7.9%
Historical performance (Yearly) on absolute basis
YearReturns
2024 5.1%
2023 8.9%
2022 6.7%
2021 2.9%
2020 2.3%
2019 10.3%
2018 11.8%
2017 6.3%
2016 4.3%
2015 15.5%
Fund Manager information for UTI Gilt Fund
NameSinceTenure
Pankaj Pathak8 Apr 251.4 Yr.

Data below for UTI Gilt Fund as on 31 Aug 26

Asset Allocation
Asset ClassValue
Cash9.07%
Debt90.93%
Debt Sector Allocation
SectorValue
Government90.93%
Cash Equivalent9.07%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.9% Govt Stock 2065
Sovereign Bonds | -
44%₹184 Cr2,050,000,000
↓ -50,000,000
6.79% Govt Stock 2027
Sovereign Bonds | -
18%₹75 Cr750,000,000
↓ -250,000,000
7.71% Govt Stock 2066
Sovereign Bonds | -
12%₹50 Cr500,000,000
↑ 500,000,000
7.24% Govt Stock 2055
Sovereign Bonds | -
9%₹38 Cr400,000,000
7.18% Tamilnadu SDL 2027
Sovereign Bonds | -
4%₹15 Cr150,000,000
7.3% Uttarakhand Sgs 2032
Sovereign Bonds | -
2%₹8 Cr85,730,000
7.77% Andhra Sdl 2028
Sovereign Bonds | -
1%₹5 Cr50,000,000
Day Tbill
Sovereign Bonds | -
0%₹2 Cr16,050,000
↓ -300,000,000
Net Current Assets
Net Current Assets | -
9%₹36 Cr
Clearing Corporation Of India Ltd. Std - Margin
CBLO/Reverse Repo | -
0%₹2 Cr00

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 (₹303 Cr).
  • Oldest track record among peers (28 yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderate.
  • 1Y return: 3.23% (bottom quartile).
  • 1M return: -0.22% (bottom quartile).
  • Sharpe: -0.43 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 7.79% (top quartile).
  • Modified duration: 4.10 yrs (bottom quartile).
  • Average maturity: 7.32 yrs (bottom quartile).
  • Exit load: NIL.

Below is the key information for UTI Bond Fund

UTI Bond Fund
Growth
Launch Date 4 May 98
NAV (30 Sep 26) ₹75.9679 ↑ 0.03   (0.04 %)
Net Assets (Cr) ₹303 on 15 Aug 26
Category Debt - Medium to Long term
AMC UTI Asset Management Company Ltd
Rating ☆☆☆☆
Risk Moderate
Expense Ratio 1.62
Sharpe Ratio -0.43
Information Ratio 0
Alpha Ratio 0
Min Investment 1,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 7.79%
Effective Maturity 7 Years 3 Months 25 Days
Modified Duration 4 Years 1 Month 6 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 21₹10,000
30 Sep 22₹10,847
30 Sep 23₹11,590
30 Sep 24₹12,607
30 Sep 25₹13,327

UTI Bond Fund SIP Returns

   
My Monthly Investment:
₹
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132
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 30 Sep 26

DurationReturns
1 Month -0.2%
3 Month -0.1%
6 Month 2.9%
1 Year 3.2%
3 Year 5.9%
5 Year 6.6%
10 Year
15 Year
Since launch 7.4%
Historical performance (Yearly) on absolute basis
YearReturns
2024 5.6%
2023 8.5%
2022 6.4%
2021 9.9%
2020 9.4%
2019 1.1%
2018 -5.8%
2017 4%
2016 3.6%
2015 13.9%
Fund Manager information for UTI Bond Fund
NameSinceTenure
Amit Sharma3 Nov 250.83 Yr.

Data below for UTI Bond Fund as on 15 Aug 26

Asset Allocation
Asset ClassValue
Cash7.48%
Debt92.2%
Other0.32%
Debt Sector Allocation
SectorValue
Corporate59.2%
Government33%
Cash Equivalent7.48%
Credit Quality
RatingValue
AA30.15%
AAA69.85%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Summit Digitel Infrastructure Limited
Debentures | -
8%₹25 Cr250
Bajaj Housing Finance Limited
Debentures | -
8%₹25 Cr2,500
7.08% Andhra Sgs 2037
Sovereign Bonds | -
8%₹24 Cr250,000,000
SIDDHIVINAYAK SECURITISATION TRUST
Unlisted bonds | -
6%₹19 Cr20
Jtpm Metal TRaders Limited
Debentures | -
6%₹18 Cr1,700
6.9% Govt Stock 2065
Sovereign Bonds | -
6%₹18 Cr200,000,000
Piramal Finance Limited
Debentures | -
5%₹15 Cr1,500
Aditya Birla Renewables Limited
Debentures | -
5%₹15 Cr1,500
Muthoot Finance Limited
Debentures | -
5%₹15 Cr1,500
Torrent Pharmaceuticals Ltd
Debentures | -
5%₹15 Cr1,500

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 (₹1,646 Cr).
  • Established history (22+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 6.19% (lower mid).
  • 3Y return: 6.78% (lower mid).
  • 1Y return: 0.79% (bottom quartile).
  • 1M return: -1.49% (bottom quartile).
  • Alpha: 0.00 (bottom quartile).
  • Sharpe: -0.41 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).

Below is the key information for UTI Regular Savings Fund

UTI Regular Savings Fund
Growth
Launch Date 16 Dec 03
NAV (30 Sep 26) ₹69.7613 ↓ -0.01   (-0.01 %)
Net Assets (Cr) ₹1,646 on 31 Aug 26
Category Hybrid - Hybrid Debt
AMC UTI Asset Management Company Ltd
Rating ☆☆☆☆
Risk Moderately High
Expense Ratio 1.81
Sharpe Ratio -0.41
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.

DateValue
30 Sep 21₹10,000
30 Sep 22₹10,143
30 Sep 23₹11,090
30 Sep 24₹13,037
30 Sep 25₹13,396

UTI Regular Savings Fund SIP Returns

   
My Monthly Investment:
₹
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹357,992.
Net Profit of ₹57,992
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 30 Sep 26

DurationReturns
1 Month -1.5%
3 Month -1.2%
6 Month 3.3%
1 Year 0.8%
3 Year 6.8%
5 Year 6.2%
10 Year
15 Year
Since launch 8.9%
Historical performance (Yearly) on absolute basis
YearReturns
2024 6.1%
2023 11.6%
2022 11.3%
2021 3.3%
2020 13.2%
2019 10.2%
2018 2.8%
2017 3.4%
2016 12.5%
2015 8.9%
Fund Manager information for UTI Regular Savings Fund
NameSinceTenure
Amit Premchandani8 Jan 224.65 Yr.
Jaydeep Bhowal17 Apr 233.38 Yr.

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

Asset Allocation
Asset ClassValue
Cash13.6%
Equity24.61%
Debt61.48%
Other0.31%
Equity Sector Allocation
SectorValue
Financial Services7.66%
Consumer Cyclical3.29%
Industrials2.44%
Technology2.19%
Health Care2.04%
Energy1.65%
Communication Services1.63%
Real Estate1.19%
Basic Materials1.04%
Consumer Defensive0.83%
Utility0.66%
Debt Sector Allocation
SectorValue
Corporate32.54%
Government30.41%
Cash Equivalent12.13%
Credit Quality
RatingValue
AA7.74%
AAA92.26%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.9% Govt Stock 2065
Sovereign Bonds | -
6%₹105 Cr1,151,250,000
↑ 500,000,000
National Bank For Agriculture And Rural Development
Debentures | -
5%₹74 Cr7,500
Rec Limited
Debentures | -
3%₹50 Cr5,000
↑ 5,000
LIC Housing Finance Ltd
Debentures | -
3%₹50 Cr5,000
Jio Credit Limited
Debentures | -
3%₹49 Cr5,000
SIDDHIVINAYAK SECURITISATION TRUST
Unlisted bonds | -
3%₹49 Cr50
7.34% Govt Stock 2064
Sovereign Bonds | -
3%₹48 Cr500,000,000
7.24% Govt Stock 2055
Sovereign Bonds | -
3%₹44 Cr454,100,000
↑ 100,000,000
HDFC Bank Ltd (Financial Services)
Equity, Since 30 Apr 12 | HDFCBANK
2%₹31 Cr440,000
↓ -14,608
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 21 | ICICIBANK
2%₹27 Cr185,000
↓ -1,000

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 (₹29,218 Cr).
  • Established history (22+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 6.40% (top quartile).
  • 1M return: 0.48% (upper mid).
  • Sharpe: 2.97 (top quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.36% (bottom quartile).
  • Modified duration: 0.10 yrs (top quartile).
  • Average maturity: 0.10 yrs (top quartile).
  • Exit load: NIL.

Below is the key information for UTI Liquid Cash Plan

UTI Liquid Cash Plan
Growth
Launch Date 11 Dec 03
NAV (30 Sep 26) ₹462.325 ↑ 0.10   (0.02 %)
Net Assets (Cr) ₹29,218 on 31 Aug 26
Category Debt - Liquid Fund
AMC UTI Asset Management Company Ltd
Rating ☆☆☆
Risk Low
Expense Ratio 0.25
Sharpe Ratio 2.97
Information Ratio 0
Alpha Ratio 0
Min Investment 500
Min SIP Investment 1,500
Exit Load NIL
Yield to Maturity 6.36%
Effective Maturity 1 Month 6 Days
Modified Duration 1 Month 6 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 21₹10,000
30 Sep 22₹10,407
30 Sep 23₹11,122
30 Sep 24₹11,938
30 Sep 25₹12,753

UTI Liquid Cash Plan SIP Returns

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

Returns for UTI 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 30 Sep 26

DurationReturns
1 Month 0.5%
3 Month 1.5%
6 Month 3.4%
1 Year 6.4%
3 Year 6.9%
5 Year 6.3%
10 Year
15 Year
Since launch 6.8%
Historical performance (Yearly) on absolute basis
YearReturns
2024 6.5%
2023 7.3%
2022 7%
2021 4.8%
2020 3.3%
2019 4.2%
2018 6.6%
2017 7.4%
2016 6.7%
2015 7.7%
Fund Manager information for UTI Liquid Cash Plan
NameSinceTenure
Amit Sharma7 Jul 179.16 Yr.

Data below for UTI Liquid Cash Plan as on 31 Aug 26

Asset Allocation
Asset ClassValue
Cash99.75%
Other0.25%
Debt Sector Allocation
SectorValue
Cash Equivalent79.81%
Corporate11.21%
Government8.73%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Net Current Assets
Net Current Assets | -
9%₹2,883 Cr
India (Republic of)
- | -
4%₹1,239 Cr12,500,000,000
Uco Bank
Certificate of Deposit | -
3%₹967 Cr9,750,000,000
↓ -250,000,000
Reliance Retail Ventures Limited
Commercial Paper | -
3%₹850 Cr8,500,000,000
Hindustan Petroleum Corp Ltd.
Commercial Paper | -
2%₹749 Cr7,500,000,000
↑ 7,500,000,000
National Bank for Agriculture and Rural Development
Commercial Paper | -
2%₹741 Cr7,500,000,000
Cp Small Industries Development Bank Of India
Net Current Assets | -
2%₹690 Cr7,000,000,000
↑ 7,000,000,000
National Bank For Agriculture And Rural Development
Commercial Paper | -
2%₹595 Cr6,000,000,000
India (Republic of)
- | -
2%₹544 Cr5,500,000,000
↑ 5,500,000,000
Cd - Bank Of India - 03/12/2026
Net Current Assets | -
2%₹543 Cr5,500,000,000
↑ 5,500,000,000

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ਇਹ ਯਕੀਨੀ ਬਣਾਉਣ ਲਈ ਸਾਰੇ ਯਤਨ ਕੀਤੇ ਗਏ ਹਨ ਕਿ ਇੱਥੇ ਦਿੱਤੀ ਗਈ ਜਾਣਕਾਰੀ ਸਹੀ ਹੈ। ਹਾਲਾਂਕਿ, ਡੇਟਾ ਦੀ ਸ਼ੁੱਧਤਾ ਬਾਰੇ ਕੋਈ ਗਾਰੰਟੀ ਨਹੀਂ ਦਿੱਤੀ ਗਈ ਹੈ। ਕਿਰਪਾ ਕਰਕੇ ਕੋਈ ਵੀ ਨਿਵੇਸ਼ ਕਰਨ ਤੋਂ ਪਹਿਲਾਂ ਸਕੀਮ ਜਾਣਕਾਰੀ ਦਸਤਾਵੇਜ਼ ਨਾਲ ਤਸਦੀਕ ਕਰੋ।
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