میوچل فنڈ ہاؤسز جو USA/کینیڈا میں مقیم NRIs کو ہندوستان میں سرمایہ کاری کرنے کی اجازت دیتے ہیں۔

Updated on January 28, 2026 , 46019 views

امریکہ اور کینیڈا میں مقیم NRIs صرف کچھ میں سرمایہ کاری کر سکیں گے۔میوچل فنڈ ہاؤسز بھارت میں بہت سے AMCs (اثاثہ جات کے انتظام کی کمپنیاں) ہندوستان میں ابھی تک امریکہ یا کینیڈا میں مقیم NRIs سے سرمایہ کاری کی اجازت نہیں ہے۔ اس کی وجہ یہ ہے کہ فارن اکاؤنٹ ٹیکس کمپلائنس ایکٹ (FATCA) جو USA نے نافذ کیا ہے۔ اس کے باوجود، کچھ سرکردہ AMCs ہیں جہاں ایک NRI رقم کی سرمایہ کاری کرنے کا منصوبہ بنا سکتا ہے۔ یہاں ہم NRI کے لیے KYC کے عمل کو بھی دیکھیں گے۔میوچل فنڈز میں سرمایہ کاری کریں۔ ہندوستان میں، NRE، NRO، FCNR اکاؤنٹ کے ساتھ ساتھبہترین کارکردگی کا مظاہرہ کرنے والے میوچل فنڈز اچھا منافع کمانے کے لیے سرمایہ کاری کریں۔

AMCs کینیڈا/USA NRIs سے سرمایہ کاری قبول کرتے ہیں۔

FATCA کے نافذ ہونے کے بعد سے، بہت سے AMCs نے امریکہ اور کینیڈا میں مقیم NRIs سے سرمایہ کاری کو قبول کرنا بند کر دیا ہے کیونکہ اس میں AMCs کی طرف سے کافی کاغذی کارروائی اور تعمیل شامل تھی۔

فارن اکاؤنٹ ٹیکس کمپلائنس ایکٹ تمام مالیاتی اداروں کے لیے واجب ہے کہ وہ امریکی شہریوں کے لین دین کی تفصیلات بشمول غیر مقیم ہندوستانیوں (NRIs) کو امریکی حکومت کے ساتھ شیئر کریں۔ یہ اس بات کو یقینی بنانا ہے کہ امریکی شہریوں کی طرف سے ٹیکس چوری نہ ہو۔آمدنی بیرون ملک پیدا. سال 2015 میں، ہندوستان نے FATCA کے نفاذ اور بین الاقوامی ٹیکس تعمیل کو بہتر بنانے کے لیے ریاستہائے متحدہ امریکہ کے ساتھ بین الحکومتی معاہدے (IGA) پر دستخط کیے تھے۔

FATCA کے تحت، تمام مالیاتی ادارے جیسے میوچل فنڈ ہاؤسز،بیمہ کمپنیاں، بینکوں کو اپنے کلائنٹ کی معلومات حکومت ہند کو فراہم کرنے کی ضرورت ہے جو مزید US/کینیڈین حکومت کے ساتھ شیئر کی جائے گی۔

تاہم، کچھ میوچل فنڈ ہاؤسز ہیں جو امریکہ/کینیڈا میں NRIs کے اڈوں سے سرمایہ کاری قبول کرتے ہیں:

ان میں سے ہر ایک AMC کی US یا کینیڈا میں مقیم NRIs سے سرمایہ کاری قبول کرنے کی ایک الگ شرط ہے۔ ان میں سے کچھ فنڈ ہاؤسز صرف کاغذی درخواست فارم میں سرمایہ کاری قبول کرتے ہیں، جبکہ کچھ NSE NMFII یا BSE STARMF پلیٹ فارم وغیرہ کے ذریعے آن لائن درخواست قبول کر سکتے ہیں۔

ہندوستان میں سرمایہ کاری کے لیے NRE، NRO، FCNR اکاؤنٹس

میں سرمایہ کاری کرناباہمی چندہ ہندوستان میں کسی کو مندرجہ ذیل اکاؤنٹس میں سے کوئی ایک ہندوستانی کے ساتھ کھولنا ہے۔بینک:

NRE اکاؤنٹ

یہ غیر رہائشی بیرونی (NRE) اکاؤنٹ ہے جو بچت، موجودہ، فکسڈ یاریکرنگ ڈپازٹ. آپ کو اس اکاؤنٹ میں غیر ملکی کرنسی جمع کرنے کی ضرورت ہے۔ ہندوستانی کرنسی جمع کرنے کے قابل ہونے کے لیے، آپ کو NRO اکاؤنٹ کھولنا ہوگا۔ NRE اکاؤنٹ میں لین دین کی رقم کی کوئی بالائی حد نہیں ہے۔

این آر او اکاؤنٹ

این آر او یا غیر رہائشی عام اکاؤنٹ بچت یا کرنٹ اکاؤنٹ کی شکل میں ہے جو کہ این آر آئیز کے لیے ہے کہ وہ ہندوستان میں اپنی کمائی ہوئی آمدنی کا انتظام کریں۔ NRO اکاؤنٹ میں، غیر ملکی کرنسی جمع ہونے کے بعد ہندوستانی روپے میں تبدیل ہو جاتی ہے۔ ایک این آر او اکاؤنٹ دوسرے این آر آئی کے ساتھ ساتھ رہائشی ہندوستانی (قریبی رشتہ داروں) کے ساتھ مشترکہ طور پر رکھا جا سکتا ہے۔

ایف سی این آر اکاؤنٹ

اس کا مطلب ہے غیر ملکی کرنسی نان ریپیٹری ایبل اکاؤنٹ ڈپازٹس۔ اس اکاؤنٹ میں، NRIs اپنی رقم بھیج سکتے ہیں۔کمائی چھ کرنسیوں میں سے کسی ایک میں جیسے کینیڈین $، US$، یورو، AU$، Yen، اور پاؤنڈ۔ فنڈز دوسرے FCNR یا NRE اکاؤنٹس سے منتقل کیے جا سکتے ہیں۔ FCNR میں، اصل اور سود کوئی ٹیکس جمع نہیں کرتے ہیں۔

ایک بار جب آپ ان میں سے کوئی بھی اکاؤنٹ کھولتے ہیں، تو آپ کو KYC کے اصولوں کے تحت، جو کہ اس کے ذریعہ ترتیب دیا گیا ہے، کامیابی کے ساتھ اپنا KYC (اپنے صارف کو جانیں) مکمل کرنا ہوگا۔SEBI (سیکیورٹیز ایکسچینج بورڈ آف انڈیا)۔ کوئی بھی SEBI کے رجسٹرڈ انٹرمیڈیٹس میں سے کسی کے ساتھ اپنا KYC مکمل کر سکتا ہے۔

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این آر آئیز کے لیے میوچل فنڈز میں سرمایہ کاری کے لیے KYC کا طریقہ کار

اپنے KYC طریقہ کار کو کامیابی کے ساتھ مکمل کرنے کے لیے، NRIs کو کچھ اہم مراحل کو مکمل کرنے اور دستاویزات پیش کرنے کی ضرورت ہے جیسے:

a KYC فارم

ایک این آر آئی کو جمع کرانے کی ضرورت ہے۔KYC فارم SEBI رجسٹرڈ انٹرمیڈیٹ میں بھری ہوئی تمام ضروری تفصیلات کے ساتھ۔ دستاویزات انٹرمیڈیٹ کو بذریعہ کورئیر/پوسٹ بھیجی جا سکتی ہیں۔

ب دستاویزات

درج ذیل ضروری دستاویزات ہیں جو جمع کرنے کی ضرورت ہے:

بیرون ملک ایڈریس کا ثبوت
ہندوستانی رہائشی ایڈریس کا ثبوت
ایک حالیہ تصویر
پاسپورٹ کاپی

مرچنٹ نیوی میں NRIs کی صورت میں، میرینر کا اعلامیہ یا کنٹینیوئس ڈسچارج سرٹیفکیٹ کی تصدیق شدہ کاپی جمع کرانی ہوگی۔

بمقابلہ سرٹیفیکیٹ

NRIs یا PIOs (Person of India Origin) مندرجہ بالا دستاویزات بھارت میں رجسٹرڈ شیڈول کمرشل بینکوں کی بیرون ملک مقیم شاخوں کے مجاز عہدیداروں، جج، کورٹ مجسٹریٹ، پبلک نوٹریز، یا ملک میں ہندوستانی سفارت خانہ/قونصلیٹ جنرل سے تصدیق شدہ حاصل کر سکتے ہیں۔ واقع ہیں.

d ذاتی تصدیق میں (IPV)

SEBI کے قوانین کے مطابق، KYC کے عمل کے لیے IPV لازمی ہے۔ انٹرمیڈیٹ کو NRIs/PIOs کا IPV کرنا چاہیے۔

براہ کرم نوٹ کریں کہ جمع کراتے وقت مذکورہ بالا تمام دستاویزات/ ثبوت انگریزی زبان میں ہونے چاہئیں۔

US/کینیڈا کے NRIs کے لیے بہترین کارکردگی کا مظاہرہ کرنے والے میوچل فنڈز

Fund	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)	Sub Cat.
Sundaram Mid Cap Fund Growth	-3.6	1.1	11.5	25	21.9	4.1	Mid Cap
UTI Transportation & Logistics Fund Growth	-4	7	18.4	23.7	20.8	19.5	Sectoral
UTI Healthcare Fund Growth	-6.9	-9.2	1.1	23.2	14.9	-3.1	Sectoral
Sundaram Infrastructure Advantage Fund Growth	-3.8	-1.3	10.4	22.4	22.3	4.1	Sectoral
UTI Core Equity Fund Growth	-0.1	2.9	10.9	22.2	21.2	7.4	Large & Mid Cap
BNP Paribas Mid Cap Fund Growth	-0.6	2	10.3	21.1	20.6	2.5	Mid Cap
UTI Multi Asset Fund Growth	2.6	7.6	13.8	21	15.4	11.1	Multi Asset
UTI Dividend Yield Fund Growth	-0.4	2.6	8	20.6	18.3	5.3	Dividend Yield
UTI Infrastructure Fund Growth	-3.9	-1.3	7.3	20.4	19.9	4.3	Sectoral
Sundaram Financial Services Opportunities Fund Growth	3.7	7	19.9	20.3	18.1	16.9	Sectoral
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 30 Jan 26

Research Highlights & Commentary of 10 Funds showcased

Commentary	Sundaram Mid Cap Fund	UTI Transportation & Logistics Fund	UTI Healthcare Fund	Sundaram Infrastructure Advantage Fund	UTI Core Equity Fund	BNP Paribas Mid Cap Fund	UTI Multi Asset Fund	UTI Dividend Yield Fund	UTI Infrastructure Fund	Sundaram Financial Services Opportunities Fund
Point 1	Highest AUM (₹13,293 Cr).	Upper mid AUM (₹4,084 Cr).	Bottom quartile AUM (₹1,102 Cr).	Bottom quartile AUM (₹947 Cr).	Upper mid AUM (₹5,635 Cr).	Lower mid AUM (₹2,313 Cr).	Top quartile AUM (₹6,720 Cr).	Upper mid AUM (₹3,946 Cr).	Lower mid AUM (₹2,171 Cr).	Bottom quartile AUM (₹1,661 Cr).
Point 2	Established history (23+ yrs).	Established history (21+ yrs).	Oldest track record among peers (26 yrs).	Established history (20+ yrs).	Established history (16+ yrs).	Established history (19+ yrs).	Established history (17+ yrs).	Established history (20+ yrs).	Established history (21+ yrs).	Established history (17+ yrs).
Point 3	Top rated.	Rating: 3★ (top quartile).	Rating: 1★ (lower mid).	Not Rated.	Rating: 3★ (upper mid).	Rating: 3★ (upper mid).	Rating: 1★ (bottom quartile).	Rating: 1★ (bottom quartile).	Rating: 3★ (upper mid).	Rating: 3★ (lower mid).
Point 4	Risk profile: Moderately High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: Moderately High.	Risk profile: High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: High.	Risk profile: High.
Point 5	5Y return: 21.86% (top quartile).	5Y return: 20.75% (upper mid).	5Y return: 14.90% (bottom quartile).	5Y return: 22.33% (top quartile).	5Y return: 21.15% (upper mid).	5Y return: 20.56% (upper mid).	5Y return: 15.37% (bottom quartile).	5Y return: 18.35% (lower mid).	5Y return: 19.89% (lower mid).	5Y return: 18.06% (bottom quartile).
Point 6	3Y return: 25.01% (top quartile).	3Y return: 23.73% (top quartile).	3Y return: 23.23% (upper mid).	3Y return: 22.43% (upper mid).	3Y return: 22.19% (upper mid).	3Y return: 21.14% (lower mid).	3Y return: 20.98% (lower mid).	3Y return: 20.59% (bottom quartile).	3Y return: 20.38% (bottom quartile).	3Y return: 20.33% (bottom quartile).
Point 7	1Y return: 11.53% (upper mid).	1Y return: 18.36% (top quartile).	1Y return: 1.14% (bottom quartile).	1Y return: 10.44% (lower mid).	1Y return: 10.85% (upper mid).	1Y return: 10.27% (lower mid).	1Y return: 13.81% (upper mid).	1Y return: 8.01% (bottom quartile).	1Y return: 7.27% (bottom quartile).	1Y return: 19.89% (top quartile).
Point 8	Alpha: -1.77 (upper mid).	Alpha: 0.00 (top quartile).	Alpha: -0.86 (upper mid).	Alpha: -9.98 (bottom quartile).	Alpha: -0.64 (upper mid).	Alpha: -3.59 (bottom quartile).	1M return: 0.91% (top quartile).	Alpha: -2.16 (lower mid).	Alpha: -9.24 (bottom quartile).	Alpha: -2.54 (lower mid).
Point 9	Sharpe: -0.01 (lower mid).	Sharpe: 0.90 (top quartile).	Sharpe: -0.48 (bottom quartile).	Sharpe: 0.00 (lower mid).	Sharpe: 0.15 (upper mid).	Sharpe: -0.14 (bottom quartile).	Alpha: 0.00 (top quartile).	Sharpe: 0.00 (upper mid).	Sharpe: -0.03 (bottom quartile).	Sharpe: 0.73 (top quartile).
Point 10	Information ratio: 0.13 (upper mid).	Information ratio: 0.00 (upper mid).	Information ratio: -0.16 (bottom quartile).	Information ratio: -0.15 (lower mid).	Information ratio: 0.92 (top quartile).	Information ratio: -0.91 (bottom quartile).	Sharpe: 0.55 (upper mid).	Information ratio: 0.92 (top quartile).	Information ratio: -0.79 (bottom quartile).	Information ratio: 0.60 (upper mid).

Sundaram Mid Cap Fund

Highest AUM (₹13,293 Cr).
Established history (23+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 21.86% (top quartile).
3Y return: 25.01% (top quartile).
1Y return: 11.53% (upper mid).
Alpha: -1.77 (upper mid).
Sharpe: -0.01 (lower mid).
Information ratio: 0.13 (upper mid).

UTI Transportation & Logistics Fund

Upper mid AUM (₹4,084 Cr).
Established history (21+ yrs).
Rating: 3★ (top quartile).
Risk profile: High.
5Y return: 20.75% (upper mid).
3Y return: 23.73% (top quartile).
1Y return: 18.36% (top quartile).
Alpha: 0.00 (top quartile).
Sharpe: 0.90 (top quartile).
Information ratio: 0.00 (upper mid).

UTI Healthcare Fund

Bottom quartile AUM (₹1,102 Cr).
Oldest track record among peers (26 yrs).
Rating: 1★ (lower mid).
Risk profile: High.
5Y return: 14.90% (bottom quartile).
3Y return: 23.23% (upper mid).
1Y return: 1.14% (bottom quartile).
Alpha: -0.86 (upper mid).
Sharpe: -0.48 (bottom quartile).
Information ratio: -0.16 (bottom quartile).

Sundaram Infrastructure Advantage Fund

Bottom quartile AUM (₹947 Cr).
Established history (20+ yrs).
Not Rated.
Risk profile: High.
5Y return: 22.33% (top quartile).
3Y return: 22.43% (upper mid).
1Y return: 10.44% (lower mid).
Alpha: -9.98 (bottom quartile).
Sharpe: 0.00 (lower mid).
Information ratio: -0.15 (lower mid).

UTI Core Equity Fund

Upper mid AUM (₹5,635 Cr).
Established history (16+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 21.15% (upper mid).
3Y return: 22.19% (upper mid).
1Y return: 10.85% (upper mid).
Alpha: -0.64 (upper mid).
Sharpe: 0.15 (upper mid).
Information ratio: 0.92 (top quartile).

BNP Paribas Mid Cap Fund

Lower mid AUM (₹2,313 Cr).
Established history (19+ yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 20.56% (upper mid).
3Y return: 21.14% (lower mid).
1Y return: 10.27% (lower mid).
Alpha: -3.59 (bottom quartile).
Sharpe: -0.14 (bottom quartile).
Information ratio: -0.91 (bottom quartile).

UTI Multi Asset Fund

Top quartile AUM (₹6,720 Cr).
Established history (17+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 15.37% (bottom quartile).
3Y return: 20.98% (lower mid).
1Y return: 13.81% (upper mid).
1M return: 0.91% (top quartile).
Alpha: 0.00 (top quartile).
Sharpe: 0.55 (upper mid).

UTI Dividend Yield Fund

Upper mid AUM (₹3,946 Cr).
Established history (20+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 18.35% (lower mid).
3Y return: 20.59% (bottom quartile).
1Y return: 8.01% (bottom quartile).
Alpha: -2.16 (lower mid).
Sharpe: 0.00 (upper mid).
Information ratio: 0.92 (top quartile).

UTI Infrastructure Fund

Lower mid AUM (₹2,171 Cr).
Established history (21+ yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 19.89% (lower mid).
3Y return: 20.38% (bottom quartile).
1Y return: 7.27% (bottom quartile).
Alpha: -9.24 (bottom quartile).
Sharpe: -0.03 (bottom quartile).
Information ratio: -0.79 (bottom quartile).

Sundaram Financial Services Opportunities Fund

Bottom quartile AUM (₹1,661 Cr).
Established history (17+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 18.06% (bottom quartile).
3Y return: 20.33% (bottom quartile).
1Y return: 19.89% (top quartile).
Alpha: -2.54 (lower mid).
Sharpe: 0.73 (top quartile).
Information ratio: 0.60 (upper mid).

*فنڈز کی فہرست نزولی ترتیب میں گزشتہ 3 سال کے ریٹرن پر مبنی ہے۔

1. Sundaram Mid Cap Fund

(Erstwhile Sundaram Select Midcap Fund)

To achieve capital appreciation by investing in diversified stocks that are generally termed as mid-caps.

Research Highlights for Sundaram Mid Cap Fund

Highest AUM (₹13,293 Cr).
Established history (23+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 21.86% (top quartile).
3Y return: 25.01% (top quartile).
1Y return: 11.53% (upper mid).
Alpha: -1.77 (upper mid).
Sharpe: -0.01 (lower mid).
Information ratio: 0.13 (upper mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
Largest holding Cummins India Ltd (~3.9%).

Below is the key information for Sundaram Mid Cap Fund

Sundaram Mid Cap Fund Growth
Launch Date	30 Jul 02
NAV (30 Jan 26)	₹1,392.69 ↑ 8.19 (0.59 %)
Net Assets (Cr)	₹13,293 on 31 Dec 25
Category	Equity - Mid Cap
AMC	Sundaram Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	1.75
Sharpe Ratio	-0.01
Information Ratio	0.13
Alpha Ratio	-1.77
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 Dec 20	₹10,000
31 Dec 21	₹13,749
31 Dec 22	₹14,414
31 Dec 23	₹20,231
31 Dec 24	₹26,707
31 Dec 25	₹27,800

Sundaram Mid Cap Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹518,033.
Net Profit of ₹218,033 Invest Now

Returns for Sundaram Mid Cap Fund

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

Duration	Returns
1 Month	-2%
3 Month	-3.6%
6 Month	1.1%
1 Year	11.5%
3 Year	25%
5 Year	21.9%
10 Year
15 Year
Since launch	23.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	4.1%
2023	32%
2022	40.4%
2021	4.8%
2020	37.5%
2019	11.8%
2018	-0.3%
2017	-15.4%
2016	40.8%
2015	11.3%

Fund Manager information for Sundaram Mid Cap Fund

Name	Since	Tenure
S. Bharath	24 Feb 21	4.85 Yr.
Ratish Varier	24 Feb 21	4.85 Yr.

Data below for Sundaram Mid Cap Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Financial Services	22.43%
Consumer Cyclical	15.55%
Industrials	14.51%
Basic Materials	9.84%
Health Care	9.78%
Consumer Defensive	6.25%
Technology	6.11%
Real Estate	3.8%
Utility	2.45%
Communication Services	2.41%
Energy	2.31%

Asset Allocation

Asset Class	Value
Cash	4.54%
Equity	95.44%
Other	0%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Cummins India Ltd (Industrials) Equity, Since 31 Dec 17 \| 500480	4%	₹513 Cr	1,157,021 ↓ -80,512
Mahindra & Mahindra Financial Services Ltd (Financial Services) Equity, Since 31 Jan 24 \| M&MFIN	3%	₹465 Cr	11,544,032 ↓ -299,671
Coromandel International Ltd (Basic Materials) Equity, Since 30 Nov 10 \| 506395	3%	₹392 Cr	1,730,022 ↓ -1,179
GE Vernova T&D India Ltd (Industrials) Equity, Since 30 Sep 24 \| 522275	3%	₹363 Cr	1,158,576
IDFC First Bank Ltd (Financial Services) Equity, Since 30 Jun 25 \| IDFCFIRSTB	2%	₹325 Cr	37,978,844
The Federal Bank Ltd (Financial Services) Equity, Since 31 Dec 18 \| FEDERALBNK	2%	₹317 Cr	11,865,970
Hindustan Petroleum Corp Ltd (Energy) Equity, Since 31 Oct 21 \| HINDPETRO	2%	₹307 Cr	6,144,382
Kalyan Jewellers India Ltd (Consumer Cyclical) Equity, Since 31 Mar 21 \| KALYANKJIL	2%	₹287 Cr	5,916,197 ↑ 274,462
Marico Ltd (Consumer Defensive) Equity, Since 30 Jun 24 \| 531642	2%	₹275 Cr	3,663,821 ↑ 3,467
PB Fintech Ltd (Financial Services) Equity, Since 31 Mar 23 \| 543390	2%	₹268 Cr	1,468,580

2. UTI Transportation & Logistics Fund

Investment Objective is “capital appreciation” through investments in stocks of the companies engaged in the transportation and logistics sector.

Research Highlights for UTI Transportation & Logistics Fund

Upper mid AUM (₹4,084 Cr).
Established history (21+ yrs).
Rating: 3★ (top quartile).
Risk profile: High.
5Y return: 20.75% (upper mid).
3Y return: 23.73% (top quartile).
1Y return: 18.36% (top quartile).
Alpha: 0.00 (top quartile).
Sharpe: 0.90 (top quartile).
Information ratio: 0.00 (upper mid).
Higher exposure to Consumer Cyclical vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
High-quality debt (AAA/AA ~100%).
Largest holding Mahindra & Mahindra Ltd (~15.0%).
Top-3 holdings concentration ~35.1%.

Below is the key information for UTI Transportation & Logistics Fund

UTI Transportation & Logistics Fund Growth
Launch Date	11 Apr 04
NAV (30 Jan 26)	₹282.123 ↑ 1.66 (0.59 %)
Net Assets (Cr)	₹4,084 on 31 Dec 25
Category	Equity - Sectoral
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆
Risk	High
Expense Ratio	1.93
Sharpe Ratio	0.9
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Dec 20	₹10,000
31 Dec 21	₹12,434
31 Dec 22	₹14,261
31 Dec 23	₹19,972
31 Dec 24	₹23,705
31 Dec 25	₹28,333

UTI Transportation & Logistics Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹505,644.
Net Profit of ₹205,644 Invest Now

Returns for UTI Transportation & Logistics Fund

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

Duration	Returns
1 Month	-3.7%
3 Month	-4%
6 Month	7%
1 Year	18.4%
3 Year	23.7%
5 Year	20.8%
10 Year
15 Year
Since launch	16.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	19.5%
2023	18.7%
2022	40.1%
2021	14.7%
2020	24.3%
2019	11%
2018	-8.7%
2017	-19.5%
2016	39.6%
2015	4.8%

Fund Manager information for UTI Transportation & Logistics Fund

Name	Since	Tenure
Sachin Trivedi	22 Sep 16	9.28 Yr.

Data below for UTI Transportation & Logistics Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Consumer Cyclical	82.23%
Industrials	13.93%

Asset Allocation

Asset Class	Value
Cash	3.67%
Equity	96.16%
Debt	0.13%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Mahindra & Mahindra Ltd (Consumer Cyclical) Equity, Since 30 Apr 04 \| M&M	15%	₹612 Cr	1,649,386
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 30 Apr 04 \| MARUTI	11%	₹432 Cr	258,455
Eicher Motors Ltd (Consumer Cyclical) Equity, Since 30 Nov 08 \| EICHERMOT	10%	₹390 Cr	532,652
Eternal Ltd (Consumer Cyclical) Equity, Since 31 Jul 21 \| 543320	6%	₹236 Cr	8,494,093
Bajaj Auto Ltd (Consumer Cyclical) Equity, Since 30 Apr 18 \| 532977	6%	₹234 Cr	250,855 ↑ 38,351
InterGlobe Aviation Ltd (Industrials) Equity, Since 31 May 18 \| INDIGO	5%	₹200 Cr	395,767 ↑ 37,832
Hero MotoCorp Ltd (Consumer Cyclical) Equity, Since 31 Mar 12 \| HEROMOTOCO	5%	₹189 Cr	327,739
Hyundai Motor India Ltd (Consumer Cyclical) Equity, Since 31 Oct 24 \| HYUNDAI	4%	₹163 Cr	711,342
Adani Ports & Special Economic Zone Ltd (Industrials) Equity, Since 31 May 13 \| ADANIPORTS	4%	₹158 Cr	1,076,157
TVS Motor Co Ltd (Consumer Cyclical) Equity, Since 30 Sep 19 \| 532343	4%	₹150 Cr	403,430

3. UTI Healthcare Fund

(Erstwhile UTI Pharma & Healthcare Fund)

The Investment objective of the Scheme is capital appreciation through investments in equities and equity related instruments of the Pharma & Healthcare sectors.

Research Highlights for UTI Healthcare Fund

Bottom quartile AUM (₹1,102 Cr).
Oldest track record among peers (26 yrs).
Rating: 1★ (lower mid).
Risk profile: High.
5Y return: 14.90% (bottom quartile).
3Y return: 23.23% (upper mid).
1Y return: 1.14% (bottom quartile).
Alpha: -0.86 (upper mid).
Sharpe: -0.48 (bottom quartile).
Information ratio: -0.16 (bottom quartile).
Higher exposure to Health Care vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
Largest holding Sun Pharmaceuticals Industries Ltd (~9.4%).

Below is the key information for UTI Healthcare Fund

UTI Healthcare Fund Growth
Launch Date	28 Jun 99
NAV (30 Jan 26)	₹272.173 ↑ 3.53 (1.31 %)
Net Assets (Cr)	₹1,102 on 31 Dec 25
Category	Equity - Sectoral
AMC	UTI Asset Management Company Ltd
Rating	☆
Risk	High
Expense Ratio	2.26
Sharpe Ratio	-0.48
Information Ratio	-0.16
Alpha Ratio	-0.86
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Dec 20	₹10,000
31 Dec 21	₹11,908
31 Dec 22	₹10,441
31 Dec 23	₹14,430
31 Dec 24	₹20,614
31 Dec 25	₹19,965

UTI Healthcare Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹436,710.
Net Profit of ₹136,710 Invest Now

Returns for UTI Healthcare 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 Jan 26

Duration	Returns
1 Month	-3.2%
3 Month	-6.9%
6 Month	-9.2%
1 Year	1.1%
3 Year	23.2%
5 Year	14.9%
10 Year
15 Year
Since launch	14.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	-3.1%
2023	42.9%
2022	38.2%
2021	-12.3%
2020	19.1%
2019	67.4%
2018	1.2%
2017	-7.5%
2016	6.2%
2015	-9.7%

Fund Manager information for UTI Healthcare Fund

Name	Since	Tenure
Kamal Gada	2 May 22	3.67 Yr.

Data below for UTI Healthcare Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Health Care	98.42%
Basic Materials	0.98%

Asset Allocation

Asset Class	Value
Cash	0.6%
Equity	99.4%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Sun Pharmaceuticals Industries Ltd (Healthcare) Equity, Since 31 Oct 06 \| SUNPHARMA	9%	₹103 Cr	600,000
Ajanta Pharma Ltd (Healthcare) Equity, Since 31 Jul 17 \| 532331	7%	₹79 Cr	285,000
Lupin Ltd (Healthcare) Equity, Since 28 Feb 25 \| 500257	6%	₹62 Cr	294,991 ↓ -24,579
Glenmark Pharmaceuticals Ltd (Healthcare) Equity, Since 31 Mar 24 \| 532296	4%	₹45 Cr	220,000 ↓ -15,028
Gland Pharma Ltd (Healthcare) Equity, Since 30 Nov 20 \| GLAND	4%	₹40 Cr	230,000 ↑ 8,838
Procter & Gamble Health Ltd (Healthcare) Equity, Since 31 Dec 20 \| PGHL	3%	₹38 Cr	66,803 ↓ -211
Dr Reddy's Laboratories Ltd (Healthcare) Equity, Since 28 Feb 18 \| DRREDDY	3%	₹38 Cr	299,461 ↓ -35,539
Cipla Ltd (Healthcare) Equity, Since 31 Jan 03 \| 500087	3%	₹38 Cr	250,000
Alkem Laboratories Ltd (Healthcare) Equity, Since 31 May 21 \| ALKEM	3%	₹37 Cr	68,000
Apollo Hospitals Enterprise Ltd (Healthcare) Equity, Since 30 Apr 21 \| APOLLOHOSP	3%	₹37 Cr	53,000

4. Sundaram Infrastructure Advantage Fund

To generate consistent long-term returns by investing predominantly in equity/equity-related instruments of companies engaged either directly or indirectly in infrastructure- and infrastructure related activities or expected to benefit from the growth and development of infrastructure

Research Highlights for Sundaram Infrastructure Advantage Fund

Bottom quartile AUM (₹947 Cr).
Established history (20+ yrs).
Not Rated.
Risk profile: High.
5Y return: 22.33% (top quartile).
3Y return: 22.43% (upper mid).
1Y return: 10.44% (lower mid).
Alpha: -9.98 (bottom quartile).
Sharpe: 0.00 (lower mid).
Information ratio: -0.15 (lower mid).
Higher exposure to Industrials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
Largest holding Bharti Airtel Ltd (~9.2%).

Below is the key information for Sundaram Infrastructure Advantage Fund

Sundaram Infrastructure Advantage Fund Growth
Launch Date	29 Sep 05
NAV (30 Jan 26)	₹94.1874 ↑ 0.65 (0.69 %)
Net Assets (Cr)	₹947 on 31 Dec 25
Category	Equity - Sectoral
AMC	Sundaram Asset Management Company Ltd
Rating	Not Rated
Risk	High
Expense Ratio	2.37
Sharpe Ratio	0
Information Ratio	-0.15
Alpha Ratio	-9.98
Min Investment	100,000
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 Dec 20	₹10,000
31 Dec 21	₹14,950
31 Dec 22	₹15,265
31 Dec 23	₹21,625
31 Dec 24	₹26,778
31 Dec 25	₹27,887

Sundaram Infrastructure Advantage Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹530,691.
Net Profit of ₹230,691 Invest Now

Returns for Sundaram Infrastructure 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 Jan 26

Duration	Returns
1 Month	-1.6%
3 Month	-3.8%
6 Month	-1.3%
1 Year	10.4%
3 Year	22.4%
5 Year	22.3%
10 Year
15 Year
Since launch	11.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	4.1%
2023	23.8%
2022	41.7%
2021	2.1%
2020	49.5%
2019	10.4%
2018	2.2%
2017	-21.9%
2016	55.5%
2015	-0.5%

Fund Manager information for Sundaram Infrastructure Advantage Fund

Name	Since	Tenure
Clyton Fernandes	10 Dec 25	0.06 Yr.

Data below for Sundaram Infrastructure Advantage Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Industrials	38.73%
Energy	12.18%
Communication Services	11.91%
Utility	11.39%
Consumer Cyclical	7.06%
Basic Materials	6.23%
Financial Services	4.13%
Real Estate	2.15%
Health Care	0.93%
Technology	0.51%

Asset Allocation

Asset Class	Value
Cash	4.78%
Equity	95.22%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Oct 19 \| BHARTIARTL	9%	₹87 Cr	415,000
Larsen & Toubro Ltd (Industrials) Equity, Since 31 May 09 \| LT	9%	₹86 Cr	210,000
Reliance Industries Ltd (Energy) Equity, Since 31 Jan 18 \| RELIANCE	8%	₹80 Cr	510,000
NTPC Ltd (Utilities) Equity, Since 31 Jan 22 \| 532555	5%	₹44 Cr	1,340,000
UltraTech Cement Ltd (Basic Materials) Equity, Since 31 Oct 19 \| 532538	3%	₹33 Cr	28,000
Bharat Electronics Ltd (Industrials) Equity, Since 31 Jul 22 \| BEL	3%	₹27 Cr	675,000
Bharat Petroleum Corp Ltd (Energy) Equity, Since 30 Sep 19 \| 500547	2%	₹22 Cr	575,000
Power Grid Corp Of India Ltd (Utilities) Equity, Since 31 Mar 22 \| 532898	2%	₹21 Cr	800,000
State Bank of India (Financial Services) Equity, Since 28 Feb 22 \| SBIN	2%	₹20 Cr	200,000
ICICI Bank Ltd (Financial Services) Equity, Since 30 Jun 18 \| 532174	2%	₹19 Cr	145,000

5. UTI Core Equity Fund

(Erstwhile UTI Top 100 Fund)

The fund aims to provide long term capital appreciation/dividend distribution by investing predominantly in equity and equity related instruments of top 100 stocks by market capitalisation. There can be no assurance that the investment objectives of the scheme will be realised.

Research Highlights for UTI Core Equity Fund

Upper mid AUM (₹5,635 Cr).
Established history (16+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 21.15% (upper mid).
3Y return: 22.19% (upper mid).
1Y return: 10.85% (upper mid).
Alpha: -0.64 (upper mid).
Sharpe: 0.15 (upper mid).
Information ratio: 0.92 (top quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
Largest holding HDFC Bank Ltd (~5.4%).

Below is the key information for UTI Core Equity Fund

UTI Core Equity Fund Growth
Launch Date	20 May 09
NAV (30 Jan 26)	₹183.691 ↓ -0.34 (-0.18 %)
Net Assets (Cr)	₹5,635 on 31 Dec 25
Category	Equity - Large & Mid Cap
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	1.96
Sharpe Ratio	0.15
Information Ratio	0.92
Alpha Ratio	-0.64
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Dec 20	₹10,000
31 Dec 21	₹14,076
31 Dec 22	₹14,720
31 Dec 23	₹19,789
31 Dec 24	₹25,171
31 Dec 25	₹27,036

UTI Core Equity Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹518,033.
Net Profit of ₹218,033 Invest Now

Returns for UTI Core Equity 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 Jan 26

Duration	Returns
1 Month	-1.5%
3 Month	-0.1%
6 Month	2.9%
1 Year	10.9%
3 Year	22.2%
5 Year	21.2%
10 Year
15 Year
Since launch	13.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.4%
2023	27.2%
2022	34.4%
2021	4.6%
2020	40.8%
2019	12.8%
2018	1.5%
2017	-7.9%
2016	35.2%
2015	3.4%

Fund Manager information for UTI Core Equity Fund

Name	Since	Tenure
V Srivatsa	17 May 17	8.63 Yr.

Data below for UTI Core Equity Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Financial Services	27.98%
Consumer Cyclical	10.46%
Technology	10.3%
Energy	8.47%
Basic Materials	7.67%
Industrials	7.59%
Health Care	7.37%
Consumer Defensive	5.72%
Communication Services	5.49%
Real Estate	3.1%
Utility	2.03%

Asset Allocation

Asset Class	Value
Cash	3.82%
Equity	96.18%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 30 Nov 20 \| HDFCBANK	5%	₹302 Cr	3,049,721
Infosys Ltd (Technology) Equity, Since 28 Feb 06 \| INFY	3%	₹196 Cr	1,213,225 ↓ -50,962
ICICI Bank Ltd (Financial Services) Equity, Since 30 Nov 06 \| 532174	3%	₹192 Cr	1,427,555
Reliance Industries Ltd (Energy) Equity, Since 29 Feb 20 \| RELIANCE	3%	₹175 Cr	1,116,380
Vedanta Ltd (Basic Materials) Equity, Since 30 Apr 24 \| 500295	3%	₹149 Cr	2,459,841 ↓ -125,000
Wipro Ltd (Technology) Equity, Since 30 Jun 24 \| 507685	3%	₹144 Cr	5,473,655 ↑ 200,000
ITC Ltd (Consumer Defensive) Equity, Since 31 Dec 08 \| ITC	3%	₹143 Cr	3,559,906
The Federal Bank Ltd (Financial Services) Equity, Since 30 Jun 17 \| FEDERALBNK	2%	₹134 Cr	5,018,275 ↓ -815,000
Indus Towers Ltd Ordinary Shares (Communication Services) Equity, Since 29 Feb 24 \| 534816	2%	₹129 Cr	3,074,620
Larsen & Toubro Ltd (Industrials) Equity, Since 31 Mar 14 \| LT	2%	₹122 Cr	299,956

6. BNP Paribas Mid Cap Fund

The Investment objective of the scheme is to seek to generate long-term capital appreciation by investing primarily in companies with high growth opportunities in the middle and small capitalization segment, defi ned as ‘Future Leaders’. The fund will emphasize on companies that appear to offer opportunities for long-term growth and will be inclined towards companies that are driven by dynamic style of management and entrepreneurial fl air. However, there can be no assurance that the investment objectives of the Scheme will be realized. The Scheme does not guarantee/indicate any returns.

Research Highlights for BNP Paribas Mid Cap Fund

Lower mid AUM (₹2,313 Cr).
Established history (19+ yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 20.56% (upper mid).
3Y return: 21.14% (lower mid).
1Y return: 10.27% (lower mid).
Alpha: -3.59 (bottom quartile).
Sharpe: -0.14 (bottom quartile).
Information ratio: -0.91 (bottom quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~97%).
High-quality debt (AAA/AA ~100%).
Largest holding GE Vernova T&D India Ltd (~3.4%).

Below is the key information for BNP Paribas Mid Cap Fund

BNP Paribas Mid Cap Fund Growth
Launch Date	2 May 06
NAV (30 Jan 26)	₹103.085 ↑ 0.43 (0.42 %)
Net Assets (Cr)	₹2,313 on 31 Dec 25
Category	Equity - Mid Cap
AMC	BNP Paribas Asset Mgmt India Pvt. Ltd
Rating	☆☆☆
Risk	High
Expense Ratio	2
Sharpe Ratio	-0.14
Information Ratio	-0.91
Alpha Ratio	-3.59
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 Dec 20	₹10,000
31 Dec 21	₹14,149
31 Dec 22	₹14,814
31 Dec 23	₹19,639
31 Dec 24	₹25,245
31 Dec 25	₹25,864

BNP Paribas Mid Cap Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹505,644.
Net Profit of ₹205,644 Invest Now

Returns for BNP Paribas Mid Cap Fund

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

Duration	Returns
1 Month	-0.8%
3 Month	-0.6%
6 Month	2%
1 Year	10.3%
3 Year	21.1%
5 Year	20.6%
10 Year
15 Year
Since launch	12.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	2.5%
2023	28.5%
2022	32.6%
2021	4.7%
2020	41.5%
2019	23.1%
2018	5.2%
2017	-17.5%
2016	49%
2015	-1.2%

Fund Manager information for BNP Paribas Mid Cap Fund

Name	Since	Tenure
Pratish Krishnan	29 Nov 25	0.09 Yr.
Himanshu Singh	21 Oct 24	1.2 Yr.

Data below for BNP Paribas Mid Cap Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Financial Services	23.85%
Consumer Cyclical	18.64%
Industrials	14.85%
Health Care	13.16%
Basic Materials	11.57%
Technology	7.48%
Real Estate	2.4%
Energy	2.37%
Consumer Defensive	1.23%
Communication Services	0.98%

Asset Allocation

Asset Class	Value
Cash	2.59%
Equity	96.55%
Debt	0.84%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
GE Vernova T&D India Ltd (Industrials) Equity, Since 30 Sep 24 \| 522275	3%	₹78 Cr	250,000
PB Fintech Ltd (Financial Services) Equity, Since 28 Feb 23 \| 543390	3%	₹64 Cr	350,000
Indian Bank (Financial Services) Equity, Since 30 Jun 21 \| 532814	3%	₹62 Cr	740,000 ↓ -60,000
Navin Fluorine International Ltd (Basic Materials) Equity, Since 30 Apr 23 \| NAVINFLUOR	3%	₹59 Cr	100,000
Bharat Heavy Electricals Ltd (Industrials) Equity, Since 31 Jan 24 \| 500103	2%	₹57 Cr	2,000,000
Phoenix Mills Ltd (Real Estate) Equity, Since 31 Oct 22 \| 503100	2%	₹56 Cr	300,000
Hitachi Energy India Ltd Ordinary Shares (Industrials) Equity, Since 31 Dec 22 \| POWERINDIA	2%	₹55 Cr	30,000
Hindustan Petroleum Corp Ltd (Energy) Equity, Since 30 Nov 24 \| HINDPETRO	2%	₹55 Cr	1,100,000
The Federal Bank Ltd (Financial Services) Equity, Since 31 Jul 16 \| FEDERALBNK	2%	₹53 Cr	2,000,000
BSE Ltd (Financial Services) Equity, Since 30 Nov 25 \| BSE	2%	₹52 Cr	198,000 ↑ 115,000

7. UTI Multi Asset Fund

(Erstwhile UTI Wealth Builder Fund)

The objective of the Scheme is to achieve long term capital appreciation by investing predominantly in a diversified portfolio of equity and equity related instruments along with investments in Gold ETFs and Debt and Money Market Instruments. However, there can be no assurance that the investment objective of the Scheme will be achieved.

Research Highlights for UTI Multi Asset Fund

Top quartile AUM (₹6,720 Cr).
Established history (17+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 15.37% (bottom quartile).
3Y return: 20.98% (lower mid).
1Y return: 13.81% (upper mid).
1M return: 0.91% (top quartile).
Alpha: 0.00 (top quartile).
Sharpe: 0.55 (upper mid).
Information ratio: 0.00 (lower mid).
Top sector: Financial Services.
Higher exposure to Government (bond sector) vs peer median.
Equity-heavy allocation (~69%).
High-quality debt (AAA/AA ~100%).
Largest holding UTI Gold ETF (~13.1%).

Below is the key information for UTI Multi Asset Fund

UTI Multi Asset Fund Growth
Launch Date	21 Oct 08
NAV (30 Jan 26)	₹79.577 ↓ -1.38 (-1.71 %)
Net Assets (Cr)	₹6,720 on 31 Dec 25
Category	Hybrid - Multi Asset
AMC	UTI Asset Management Company Ltd
Rating	☆
Risk	Moderately High
Expense Ratio	1.79
Sharpe Ratio	0.55
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Dec 20	₹10,000
31 Dec 21	₹11,180
31 Dec 22	₹11,673
31 Dec 23	₹15,076
31 Dec 24	₹18,198
31 Dec 25	₹20,215

UTI Multi Asset Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹447,579.
Net Profit of ₹147,579 Invest Now

Returns for UTI Multi Asset 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 Jan 26

Duration	Returns
1 Month	0.9%
3 Month	2.6%
6 Month	7.6%
1 Year	13.8%
3 Year	21%
5 Year	15.4%
10 Year
15 Year
Since launch	12.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	11.1%
2023	20.7%
2022	29.1%
2021	4.4%
2020	11.8%
2019	13.1%
2018	3.9%
2017	-0.5%
2016	17.1%
2015	7.3%

Fund Manager information for UTI Multi Asset Fund

Name	Since	Tenure
Sharwan Kumar Goyal	12 Nov 21	4.14 Yr.
Jaydeep Bhowal	1 Oct 24	1.25 Yr.

Data below for UTI Multi Asset Fund as on 31 Dec 25

Asset Allocation

Asset Class	Value
Cash	7.62%
Equity	69.13%
Debt	10.27%
Other	12.98%

Equity Sector Allocation

Sector	Value
Financial Services	15.92%
Technology	11.06%
Consumer Defensive	9.19%
Consumer Cyclical	9.07%
Industrials	5.46%
Basic Materials	5.35%
Health Care	4.35%
Real Estate	3.77%
Energy	3.13%
Communication Services	3.04%

Debt Sector Allocation

Sector	Value
Government	7.85%
Cash Equivalent	7.61%
Corporate	2.43%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
UTI Gold ETF - \| -	13%	₹880 Cr	76,018,936
Asian Paints Ltd (Basic Materials) Equity, Since 31 Oct 24 \| 500820	3%	₹180 Cr	650,377 ↑ 125,386
ITC Ltd (Consumer Defensive) Equity, Since 31 Oct 22 \| ITC	3%	₹171 Cr	4,253,690
Infosys Ltd (Technology) Equity, Since 31 Mar 24 \| INFY	3%	₹171 Cr	1,055,798 ↓ -76,394
State Bank of India (Financial Services) Equity, Since 31 Oct 25 \| SBIN	3%	₹169 Cr	1,716,730 ↑ 196,803
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 31 Oct 23 \| MARUTI	2%	₹144 Cr	86,404 ↑ 11,417
Nestle India Ltd (Consumer Defensive) Equity, Since 29 Feb 24 \| NESTLEIND	2%	₹144 Cr	1,119,520
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Apr 24 \| BHARTIARTL	2%	₹143 Cr	677,566
Tata Consultancy Services Ltd (Technology) Equity, Since 29 Feb 24 \| TCS	2%	₹138 Cr	431,841
Coal India Ltd (Energy) Equity, Since 31 Oct 22 \| COALINDIA	2%	₹133 Cr	3,341,545

8. UTI Dividend Yield Fund

(Erstwhile UTI - Dividend Yield Fund)

The investment objective of the scheme is to provide medium to long term capital gains and/ or dividend distribution by investing predominantly in equity and equity related instruments which offer high dividend yield. There can be no assurance that the investment objectives of the scheme will be realised.

Research Highlights for UTI Dividend Yield Fund

Upper mid AUM (₹3,946 Cr).
Established history (20+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 18.35% (lower mid).
3Y return: 20.59% (bottom quartile).
1Y return: 8.01% (bottom quartile).
Alpha: -2.16 (lower mid).
Sharpe: 0.00 (upper mid).
Information ratio: 0.92 (top quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
High-quality debt (AAA/AA ~100%).
Largest holding HDFC Bank Ltd (~8.8%).

Below is the key information for UTI Dividend Yield Fund

UTI Dividend Yield Fund Growth
Launch Date	3 May 05
NAV (30 Jan 26)	₹180.105 ↓ -0.68 (-0.38 %)
Net Assets (Cr)	₹3,946 on 31 Dec 25
Category	Equity - Dividend Yield
AMC	UTI Asset Management Company Ltd
Rating	☆
Risk	Moderately High
Expense Ratio	1.99
Sharpe Ratio	0
Information Ratio	0.92
Alpha Ratio	-2.16
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Dec 20	₹10,000
31 Dec 21	₹13,884
31 Dec 22	₹13,145
31 Dec 23	₹17,803
31 Dec 24	₹22,197
31 Dec 25	₹23,381

UTI Dividend Yield Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹481,656.
Net Profit of ₹181,656 Invest Now

Returns for UTI Dividend Yield 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 Jan 26

Duration	Returns
1 Month	-0.7%
3 Month	-0.4%
6 Month	2.6%
1 Year	8%
3 Year	20.6%
5 Year	18.3%
10 Year
15 Year
Since launch	15%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	5.3%
2023	24.7%
2022	35.4%
2021	-5.3%
2020	38.8%
2019	18.9%
2018	3.3%
2017	0.5%
2016	28.5%
2015	6.1%

Fund Manager information for UTI Dividend Yield Fund

Name	Since	Tenure
Amit Premchandani	16 Nov 22	3.13 Yr.

Data below for UTI Dividend Yield Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Financial Services	27.9%
Technology	14.61%
Consumer Cyclical	11.14%
Health Care	8.64%
Industrials	6.62%
Energy	6.36%
Consumer Defensive	6%
Utility	5.35%
Real Estate	4.28%
Basic Materials	4.2%
Communication Services	3.68%

Asset Allocation

Asset Class	Value
Cash	0.71%
Equity	98.77%
Debt	0.52%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 May 12 \| HDFCBANK	9%	₹347 Cr	3,500,000 ↓ -50,000
ICICI Bank Ltd (Financial Services) Equity, Since 30 Sep 07 \| 532174	5%	₹205 Cr	1,525,000 ↑ 25,000
Tech Mahindra Ltd (Technology) Equity, Since 31 May 17 \| 532755	4%	₹147 Cr	925,000
State Bank of India (Financial Services) Equity, Since 31 Mar 23 \| SBIN	3%	₹138 Cr	1,400,000
Infosys Ltd (Technology) Equity, Since 30 Apr 08 \| INFY	3%	₹128 Cr	795,000 ↓ -65,000
Mahindra & Mahindra Ltd (Consumer Cyclical) Equity, Since 30 Jun 23 \| M&M	3%	₹121 Cr	325,000
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Aug 24 \| BHARTIARTL	3%	₹120 Cr	570,000
ITC Ltd (Consumer Defensive) Equity, Since 30 Nov 07 \| ITC	3%	₹105 Cr	2,600,000
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Dec 23 \| KOTAKBANK	3%	₹105 Cr	475,000 ↓ -150,000
Tata Consultancy Services Ltd (Technology) Equity, Since 30 Apr 08 \| TCS	2%	₹88 Cr	275,000

9. UTI Infrastructure Fund

The investment objective of the Scheme is to provide income distribution and / or medium to long term "capital appreciation" by investing predominantly in equity / equity related instruments in the companies engaged either directly or indirectly in the infrastructure growth of the Indian economy. However, there is no assurance that the investment objective of the scheme will be achieved.

Research Highlights for UTI Infrastructure Fund

Lower mid AUM (₹2,171 Cr).
Established history (21+ yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 19.89% (lower mid).
3Y return: 20.38% (bottom quartile).
1Y return: 7.27% (bottom quartile).
Alpha: -9.24 (bottom quartile).
Sharpe: -0.03 (bottom quartile).
Information ratio: -0.79 (bottom quartile).
Higher exposure to Industrials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~98%).
Largest holding Bharti Airtel Ltd (~13.3%).

Below is the key information for UTI Infrastructure Fund

UTI Infrastructure Fund Growth
Launch Date	7 Apr 04
NAV (30 Jan 26)	₹139.998 ↑ 0.21 (0.15 %)
Net Assets (Cr)	₹2,171 on 31 Dec 25
Category	Equity - Sectoral
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆
Risk	High
Expense Ratio	2.18
Sharpe Ratio	-0.03
Information Ratio	-0.79
Alpha Ratio	-9.24
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Dec 20	₹10,000
31 Dec 21	₹13,935
31 Dec 22	₹15,163
31 Dec 23	₹20,955
31 Dec 24	₹24,841
31 Dec 25	₹25,910

UTI Infrastructure Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹493,520.
Net Profit of ₹193,520 Invest Now

Returns for UTI Infrastructure 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 Jan 26

Duration	Returns
1 Month	-1.1%
3 Month	-3.9%
6 Month	-1.3%
1 Year	7.3%
3 Year	20.4%
5 Year	19.9%
10 Year
15 Year
Since launch	13.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	4.3%
2023	18.5%
2022	38.2%
2021	8.8%
2020	39.4%
2019	3.4%
2018	6.7%
2017	-15.6%
2016	41.4%
2015	4%

Fund Manager information for UTI Infrastructure Fund

Name	Since	Tenure
Sachin Trivedi	1 Sep 21	4.34 Yr.
Deepesh Agarwal	16 Jun 25	0.55 Yr.

Data below for UTI Infrastructure Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Industrials	39.96%
Communication Services	14.5%
Energy	14.03%
Utility	10.13%
Basic Materials	8.04%
Financial Services	5.6%
Real Estate	2.73%
Consumer Cyclical	2.66%
Technology	0.44%
Health Care	0.12%

Asset Allocation

Asset Class	Value
Cash	1.78%
Equity	98.22%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Nov 17 \| BHARTIARTL	13%	₹289 Cr	1,372,072 ↓ -40,085
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Sep 05 \| LT	10%	₹228 Cr	558,023 ↓ -10,931
Reliance Industries Ltd (Energy) Equity, Since 31 Oct 22 \| RELIANCE	7%	₹147 Cr	934,445 ↓ -36,733
NTPC Ltd (Utilities) Equity, Since 31 Dec 18 \| 532555	6%	₹132 Cr	4,006,307
UltraTech Cement Ltd (Basic Materials) Equity, Since 31 Mar 12 \| 532538	5%	₹104 Cr	87,930
InterGlobe Aviation Ltd (Industrials) Equity, Since 30 Nov 22 \| INDIGO	4%	₹92 Cr	181,542 ↑ 10,395
Oil & Natural Gas Corp Ltd (Energy) Equity, Since 30 Sep 23 \| 500312	3%	₹68 Cr	2,839,955
Adani Ports & Special Economic Zone Ltd (Industrials) Equity, Since 31 May 13 \| ADANIPORTS	3%	₹67 Cr	457,905
Axis Bank Ltd (Financial Services) Equity, Since 31 Mar 11 \| 532215	3%	₹65 Cr	514,717
Bharat Petroleum Corp Ltd (Energy) Equity, Since 31 Dec 22 \| 500547	2%	₹52 Cr	1,350,026 ↓ -87,397

10. Sundaram Financial Services Opportunities Fund

Seek capital appreciation by investing predominantly in equity and equity related securities of indian companies engaged in banking and financial Services.

Research Highlights for Sundaram Financial Services Opportunities Fund

Bottom quartile AUM (₹1,661 Cr).
Established history (17+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 18.06% (bottom quartile).
3Y return: 20.33% (bottom quartile).
1Y return: 19.89% (top quartile).
Alpha: -2.54 (lower mid).
Sharpe: 0.73 (top quartile).
Information ratio: 0.60 (upper mid).
Higher exposure to Financial Services vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~97%).
High-quality debt (AAA/AA ~100%).
Largest holding HDFC Bank Ltd (~18.6%).
Top-3 holdings concentration ~39.8%.

Below is the key information for Sundaram Financial Services Opportunities Fund

Sundaram Financial Services Opportunities Fund Growth
Launch Date	10 Jun 08
NAV (30 Jan 26)	₹110.696 ↓ -0.35 (-0.31 %)
Net Assets (Cr)	₹1,661 on 31 Dec 25
Category	Equity - Sectoral
AMC	Sundaram Asset Management Company Ltd
Rating	☆☆☆
Risk	High
Expense Ratio	2.12
Sharpe Ratio	0.73
Information Ratio	0.6
Alpha Ratio	-2.54
Min Investment	100,000
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 Dec 20	₹10,000
31 Dec 21	₹11,534
31 Dec 22	₹13,469
31 Dec 23	₹17,661
31 Dec 24	₹18,909
31 Dec 25	₹22,112

Sundaram Financial Services Opportunities Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹481,656.
Net Profit of ₹181,656 Invest Now

Returns for Sundaram Financial Services Opportunities 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 Jan 26

Duration	Returns
1 Month	1.6%
3 Month	3.7%
6 Month	7%
1 Year	19.9%
3 Year	20.3%
5 Year	18.1%
10 Year
15 Year
Since launch	14.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	16.9%
2023	7.1%
2022	31.1%
2021	16.8%
2020	15.3%
2019	2.7%
2018	26.4%
2017	-3.7%
2016	33.3%
2015	12.8%

Fund Manager information for Sundaram Financial Services Opportunities Fund

Name	Since	Tenure
Rohit Seksaria	30 Dec 17	8.01 Yr.

Data below for Sundaram Financial Services Opportunities Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Financial Services	97.43%

Asset Allocation

Asset Class	Value
Cash	2.49%
Equity	97.43%
Debt	0.08%
Other	0%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Dec 08 \| HDFCBANK	19%	₹309 Cr	3,114,256
ICICI Bank Ltd (Financial Services) Equity, Since 30 Jun 10 \| 532174	11%	₹190 Cr	1,416,021
Axis Bank Ltd (Financial Services) Equity, Since 28 Feb 10 \| 532215	10%	₹162 Cr	1,272,532 ↓ -25,395
State Bank of India (Financial Services) Equity, Since 31 Dec 08 \| SBIN	6%	₹99 Cr	1,003,469
Bajaj Finserv Ltd (Financial Services) Equity, Since 31 Mar 25 \| 532978	5%	₹81 Cr	397,562
Shriram Finance Ltd (Financial Services) Equity, Since 30 Sep 23 \| SHRIRAMFIN	5%	₹77 Cr	768,924 ↓ -88,725
CSB Bank Ltd Ordinary Shares (Financial Services) Equity, Since 30 Jun 20 \| CSBBANK	4%	₹74 Cr	1,606,226
DCB Bank Ltd (Financial Services) Equity, Since 30 Sep 24 \| DCBBANK	4%	₹73 Cr	4,243,632
Bank of Baroda (Financial Services) Equity, Since 29 Feb 24 \| 532134	4%	₹65 Cr	2,208,626
PNB Housing Finance Ltd (Financial Services) Equity, Since 31 Jul 24 \| PNBHOUSING	4%	₹63 Cr	665,351

Disclaimer:
یہاں فراہم کردہ معلومات کے درست ہونے کو یقینی بنانے کے لیے تمام کوششیں کی گئی ہیں۔ تاہم، ڈیٹا کی درستگی کے حوالے سے کوئی ضمانت نہیں دی جاتی ہے۔ براہ کرم کوئی بھی سرمایہ کاری کرنے سے پہلے اسکیم کی معلومات کے دستاویز کے ساتھ تصدیق کریں۔