آسٹریلیا میں مقیم NRI ہندوستان میں سرمایہ کاری کے لیے میوچل فنڈز

Updated on November 24, 2025 , 9743 views

جیسا کہ، ہندوستان کئی سالوں سے 5 فیصد سے زیادہ جی ڈی پی نمو کے ساتھ دنیا کی سب سے تیزی سے ترقی کرنے والی معیشتوں میں سے ایک ہے، یہ بیرون ملک سے ہزاروں این آر آئی سرمایہ کاروں کو راغب کرتا ہے۔ دنیابینک اور آئی ایم ایف نے 2018 اور 2019 میں ہندوستان کی جی ڈی پی بالترتیب 7.4 فیصد اور 7.8 فیصد کی شرح سے بڑھنے کا اندازہ لگایا ہے۔ اس وقت ہندوستان دنیا کا پانچواں بڑا ملک ہے۔معیشت $2.7 ٹریلین جی ڈی پی پر۔

آسٹریلیا میں رہنے والے غیر مقیم ہندوستانی (NRIs) اپنی سرمایہ کاری کی منصوبہ بندی کر سکتے ہیں۔باہمی چندہ طویل مدت میں زیادہ سے زیادہ منافع کمانے کے لیے ہندوستان۔ آسٹریلیا میں مقیم این آر آئیز میوچل فنڈز کے ذریعے ہندوستان میں اسٹاک میں سرمایہ کاری کر سکتے ہیں۔سرمایہ کاری میںایکویٹی فنڈز. ایکویٹیز طویل مدتی سرمایہ کاری کے لیے مثالی ہیں، اگر آپ کے مقاصد جیسے ہیں۔ریٹائرمنٹ، گھر کی خریداری، یا اگر آپ صرف دولت بنانا چاہتے ہیں تو یہ فنڈز ایک مثالی آپشن ہوسکتے ہیں۔ اور اگر آپ بینک سیونگ اکاؤنٹس سے زیادہ منافع کمانا چاہتے ہیں تو مختصر مدت کے لیے ڈیٹ فنڈز میں سرمایہ کاری کرنے کا مشورہ دیا جاتا ہے۔ سرمایہ کاری کرنے سے پہلے، کسی کو ہمیشہ اپنی خطرے کی صلاحیت تک رسائی حاصل کرنی چاہیے۔

آسٹریلیا میں مقیم این آر آئیز جو چاہتے ہیں۔میوچل فنڈز میں سرمایہ کاری کریں۔ ہندوستان میں کچھ اہم رہنما خطوط اور قواعد ہیں جن پر عمل کرنے کی ضرورت ہے تاکہ ان کی سرمایہ کاری شروع کی جاسکے۔

آسٹریلیا میں رہنے والے NRIs کے اکاؤنٹس

ہندوستان میں میوچل فنڈز میں سرمایہ کاری کرنے کے لیے کسی کو ہندوستانی بینک میں درج ذیل میں سے کوئی بھی اکاؤنٹ کھولنا ہوگا۔

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 این آر آئیز کے لیے ہے کہ وہ اپنےآمدنی ہندوستان میں کمایا۔ 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، پرنسپل اور سود پر کوئی ٹیکس جمع نہیں ہوتا ہے۔

ایک بار جب آپ ان اکاؤنٹس میں سے کسی کو کھولتے ہیں، تو آپ کو KYC کے اصولوں کے تحت، اپنے KYC (اپنے گاہک کو جانیں) کامیابی کے ساتھ مکمل کرنے کی ضرورت ہے، جو کہ اس کے ذریعہ مقرر کیا گیا ہے۔SEBI (سیکیورٹیز ایکسچینج بورڈ آف انڈیا)۔ کوئی بھی SEBI کے رجسٹرڈ انٹرمیڈیٹس میں سے کسی کے ساتھ اپنا KYC مکمل کر سکتا ہے۔

آسٹریلیا کے 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، آسٹریلیا کے 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، ایک 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 ہندوستان میں رجسٹرڈ شیڈول کمرشل بینکوں کی بیرون ملک مقیم شاخوں کے مجاز عہدیداروں، جج، کورٹ مجسٹریٹ، پبلک نوٹریوں، 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۔

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غیر مقیم ہندوستانی (NRI) کے لیے میوچل فنڈ ٹیکس

سرمایہ مالی سال 2017-18 (تشخیص سال 2018-19) کے لیے این آر آئی میوچل فنڈ کی سرمایہ کاری پر ٹیکس کی شرحیں درج ذیل ہیں:

این آر آئیمیوچل فنڈز پر ٹیکس-کیپٹل گینز ٹیکس کی شرحیں- مالی سال 2017/2018 (AY- 2018-19)

میوچل فنڈ اسکیم کی اقسام	شارٹ ٹرم کیپیٹل گینز (STCG)	طویل مدتی کیپیٹل گینز (LTCG)
ایکویٹی فنڈز- STCG- اکائیاں ایک سال سے کم یا اس کے برابر، LTCG- اکائیاں ایک سال سے زیادہ منعقد ہوئیں	15%	صفر
غیر ایکویٹی فنڈز- STCG- 3 سال یا اس سے کم کے لیے رکھے گئے یونٹس، LTCG- 3 سال سے زیادہ کے لیے رکھے گئے یونٹس	فرد کے مطابقانکم ٹیکس بریکٹ	لسٹڈ فنڈز پر - 20% (اشاریہ کے ساتھ)، غیر فہرست شدہ فنڈز- 10% (بغیر اشاریہ کے)

منافع پر میوچل فنڈ ٹیکس

ایکویٹی فنڈز پر منافع: ایکویٹی فنڈز کے لیے یونٹ ہولڈر کے ہاتھ میں ملنے والا ڈیویڈنڈ مکمل طور پر ٹیکس سے پاک ہے۔ ڈیویڈنڈ بھی ٹیکس سے پاک ہے۔اے ایم سی.
ڈیبیٹ فنڈز پر منافع: AMC کو اس ڈیویڈنڈ آمدنی کو اپنے یونٹ ہولڈرز میں تقسیم کرنے سے پہلے 28.84% کا ڈیویڈنڈ ڈسٹری بیوشن ٹیکس (DDT) ادا کرنا ہوگا۔ a کی طرف سے موصول ہونے والی ڈیویڈنڈ آمدنیقرض فنڈ یونٹ ہولڈر بھی ٹیکس سے پاک ہے۔

ذیل میں AY 2018-19 کے لیے NRIs کے ذریعے MF کی ادائیگی پر لاگو TDS کی شرح ہے۔

میوچل فنڈز پر این آر آئی ٹیکسیشن- کیپٹل گینز ٹیکس کی شرحیں- مالی سال 2017/2018 (AY- 2018-19)

این آر آئیز اور ٹی ڈی ایس کی شرح کے ذریعہ میوچل فنڈ کی تلافی	STCG اور TDS کی شرح	LTCG اور TDS کی شرح
ایم ایف اسکیم کی قسم
ایکویٹی اورینٹڈ فنڈز	15%	صفر
قرض فنڈز	30%	لسٹڈ فنڈز پر- 20% (اشاریہ سازی کے ساتھ)، غیر فہرست شدہ فنڈز- 10% (بغیر اشاریہ کے)

آسٹریلیا کے مشہور شہر

آسٹریلیا کے کچھ مشہور شہر جہاں آپ کو زیادہ تر ہندوستانی مل سکتے ہیں وہ ہیں:

سڈنی
میلبورن
برسبین
پرتھ
ایڈیلیڈ

آسٹریلیا میں مقیم این آر آئیز کے لیے بہترین میوچل فنڈز

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
UTI Banking & PSU Debt Fund Growth	₹22.5436 ↑ 0.01	₹804	1.7	2.9	8.1	7.4	7	7.6
UTI Dynamic Bond Fund Growth	₹31.4857 ↑ 0.02	₹456	2.3	0.9	6.8	7.1	8.3	8.6
Sundaram Rural and Consumption Fund Growth	₹100.624 ↑ 0.58	₹1,643	1.3	4.2	3.6	16.6	17.8	20.1
BNP Paribas Multi Cap Fund Growth	₹73.5154 ↓ -0.01	₹588	-4.6	-2.6	19.3	17.3	13.6
UTI Short Term Income Fund Growth	₹32.5681 ↑ 0.02	₹3,381	1.8	2.6	7.9	7.5	6.9	7.9
UTI Treasury Advantage Fund Growth	₹3,648.39 ↑ 1.11	₹2,814	1.7	3.3	7.7	7.5	7.1	7.7
UTI Money Market Fund Growth	₹3,168.63 ↑ 0.56	₹20,352	1.5	3.3	7.6	7.6	6.2	7.7
Sundaram Mid Cap Fund Growth	₹1,446.05 ↑ 15.68	₹13,236	5.1	8	7.3	24.5	24.9	32
UTI Ultra Short Term Fund Growth	₹4,341.61 ↑ 1.00	₹4,097	1.4	3	6.8	6.9	6.2	7.2
UTI Bond Fund Growth	₹74.4502 ↑ 0.05	₹316	2.2	0.5	6.6	7	8	8.5
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 26 Nov 25

Research Highlights & Commentary of 10 Funds showcased

Commentary	UTI Banking & PSU Debt Fund	UTI Dynamic Bond Fund	Sundaram Rural and Consumption Fund	BNP Paribas Multi Cap Fund	UTI Short Term Income Fund	UTI Treasury Advantage Fund	UTI Money Market Fund	Sundaram Mid Cap Fund	UTI Ultra Short Term Fund	UTI Bond Fund
Point 1	Lower mid AUM (₹804 Cr).	Bottom quartile AUM (₹456 Cr).	Lower mid AUM (₹1,643 Cr).	Bottom quartile AUM (₹588 Cr).	Upper mid AUM (₹3,381 Cr).	Upper mid AUM (₹2,814 Cr).	Highest AUM (₹20,352 Cr).	Top quartile AUM (₹13,236 Cr).	Upper mid AUM (₹4,097 Cr).	Bottom quartile AUM (₹316 Cr).
Point 2	Established history (11+ yrs).	Established history (15+ yrs).	Established history (19+ yrs).	Established history (20+ yrs).	Established history (18+ yrs).	Established history (18+ yrs).	Established history (16+ yrs).	Established history (23+ yrs).	Established history (22+ yrs).	Oldest track record among peers (27 yrs).
Point 3	Top rated.	Rating: 5★ (top quartile).	Rating: 5★ (upper mid).	Rating: 4★ (upper mid).	Rating: 4★ (upper mid).	Rating: 4★ (lower mid).	Rating: 4★ (lower mid).	Rating: 4★ (bottom quartile).	Rating: 4★ (bottom quartile).	Rating: 4★ (bottom quartile).
Point 4	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderate.	Risk profile: Moderately Low.	Risk profile: Low.	Risk profile: Moderately High.	Risk profile: Moderately Low.	Risk profile: Moderate.
Point 5	1Y return: 8.15% (top quartile).	1Y return: 6.83% (lower mid).	5Y return: 17.79% (top quartile).	5Y return: 13.57% (upper mid).	1Y return: 7.88% (upper mid).	1Y return: 7.74% (upper mid).	1Y return: 7.61% (upper mid).	5Y return: 24.88% (top quartile).	1Y return: 6.79% (bottom quartile).	1Y return: 6.61% (bottom quartile).
Point 6	1M return: 0.56% (lower mid).	1M return: 0.60% (upper mid).	3Y return: 16.63% (upper mid).	3Y return: 17.28% (top quartile).	1M return: 0.56% (upper mid).	1M return: 0.60% (top quartile).	1M return: 0.56% (upper mid).	3Y return: 24.47% (top quartile).	1M return: 0.54% (lower mid).	1M return: 0.53% (bottom quartile).
Point 7	Sharpe: 1.56 (upper mid).	Sharpe: 0.08 (lower mid).	1Y return: 3.56% (bottom quartile).	1Y return: 19.34% (top quartile).	Sharpe: 1.18 (lower mid).	Sharpe: 2.49 (upper mid).	Sharpe: 2.90 (top quartile).	1Y return: 7.26% (lower mid).	Sharpe: 1.70 (upper mid).	Sharpe: 0.02 (bottom quartile).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Alpha: -3.88 (bottom quartile).	Alpha: 0.00 (upper mid).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (lower mid).	Alpha: -0.05 (bottom quartile).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 6.50% (lower mid).	Yield to maturity (debt): 6.81% (top quartile).	Sharpe: -0.04 (bottom quartile).	Sharpe: 2.86 (top quartile).	Yield to maturity (debt): 6.77% (upper mid).	Yield to maturity (debt): 6.80% (upper mid).	Yield to maturity (debt): 6.26% (lower mid).	Sharpe: 0.08 (bottom quartile).	Yield to maturity (debt): 6.63% (upper mid).	Yield to maturity (debt): 7.22% (top quartile).
Point 10	Modified duration: 1.54 yrs (lower mid).	Modified duration: 4.66 yrs (bottom quartile).	Information ratio: -0.18 (bottom quartile).	Information ratio: 0.00 (upper mid).	Modified duration: 2.49 yrs (bottom quartile).	Modified duration: 0.92 yrs (lower mid).	Modified duration: 0.40 yrs (upper mid).	Information ratio: 0.16 (top quartile).	Modified duration: 0.46 yrs (upper mid).	Modified duration: 5.90 yrs (bottom quartile).

UTI Banking & PSU Debt Fund

Lower mid AUM (₹804 Cr).
Established history (11+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 8.15% (top quartile).
1M return: 0.56% (lower mid).
Sharpe: 1.56 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.50% (lower mid).
Modified duration: 1.54 yrs (lower mid).

UTI Dynamic Bond Fund

Bottom quartile AUM (₹456 Cr).
Established history (15+ yrs).
Rating: 5★ (top quartile).
Risk profile: Moderate.
1Y return: 6.83% (lower mid).
1M return: 0.60% (upper mid).
Sharpe: 0.08 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.81% (top quartile).
Modified duration: 4.66 yrs (bottom quartile).

Sundaram Rural and Consumption Fund

Lower mid AUM (₹1,643 Cr).
Established history (19+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately High.
5Y return: 17.79% (top quartile).
3Y return: 16.63% (upper mid).
1Y return: 3.56% (bottom quartile).
Alpha: -3.88 (bottom quartile).
Sharpe: -0.04 (bottom quartile).
Information ratio: -0.18 (bottom quartile).

BNP Paribas Multi Cap Fund

Bottom quartile AUM (₹588 Cr).
Established history (20+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately High.
5Y return: 13.57% (upper mid).
3Y return: 17.28% (top quartile).
1Y return: 19.34% (top quartile).
Alpha: 0.00 (upper mid).
Sharpe: 2.86 (top quartile).
Information ratio: 0.00 (upper mid).

UTI Short Term Income Fund

Upper mid AUM (₹3,381 Cr).
Established history (18+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 7.88% (upper mid).
1M return: 0.56% (upper mid).
Sharpe: 1.18 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.77% (upper mid).
Modified duration: 2.49 yrs (bottom quartile).

UTI Treasury Advantage Fund

Upper mid AUM (₹2,814 Cr).
Established history (18+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderately Low.
1Y return: 7.74% (upper mid).
1M return: 0.60% (top quartile).
Sharpe: 2.49 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.80% (upper mid).
Modified duration: 0.92 yrs (lower mid).

UTI Money Market Fund

Highest AUM (₹20,352 Cr).
Established history (16+ yrs).
Rating: 4★ (lower mid).
Risk profile: Low.
1Y return: 7.61% (upper mid).
1M return: 0.56% (upper mid).
Sharpe: 2.90 (top quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.26% (lower mid).
Modified duration: 0.40 yrs (upper mid).

Sundaram Mid Cap Fund

Top quartile AUM (₹13,236 Cr).
Established history (23+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 24.88% (top quartile).
3Y return: 24.47% (top quartile).
1Y return: 7.26% (lower mid).
Alpha: -0.05 (bottom quartile).
Sharpe: 0.08 (bottom quartile).
Information ratio: 0.16 (top quartile).

UTI Ultra Short Term Fund

Upper mid AUM (₹4,097 Cr).
Established history (22+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 6.79% (bottom quartile).
1M return: 0.54% (lower mid).
Sharpe: 1.70 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.63% (upper mid).
Modified duration: 0.46 yrs (upper mid).

UTI Bond Fund

Bottom quartile AUM (₹316 Cr).
Oldest track record among peers (27 yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderate.
1Y return: 6.61% (bottom quartile).
1M return: 0.53% (bottom quartile).
Sharpe: 0.02 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.22% (top quartile).
Modified duration: 5.90 yrs (bottom quartile).

1. UTI Banking & PSU Debt Fund

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

Research Highlights for UTI Banking & PSU Debt Fund

Lower mid AUM (₹804 Cr).
Established history (11+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 8.15% (top quartile).
1M return: 0.56% (lower mid).
Sharpe: 1.56 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.50% (lower mid).
Modified duration: 1.54 yrs (lower mid).
Average maturity: 1.76 yrs (lower 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 (26 Nov 25)	₹22.5436 ↑ 0.01 (0.06 %)
Net Assets (Cr)	₹804 on 31 Oct 25
Category	Debt - Banking & PSU Debt
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆☆
Risk	Moderate
Expense Ratio	0.54
Sharpe Ratio	1.56
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.5%
Effective Maturity	1 Year 9 Months 4 Days
Modified Duration	1 Year 6 Months 14 Days

Growth of 10,000 investment over the years.

Date	Value

UTI Banking & PSU Debt Fund SIP Returns

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

Returns for UTI Banking & PSU Debt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 26 Nov 25

Duration	Returns
1 Month	0.6%
3 Month	1.7%
6 Month	2.9%
1 Year	8.1%
3 Year	7.4%
5 Year	7%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.6%
2023	6.7%
2022	10.3%
2021	2.8%
2020	8.9%
2019	-1%
2018	6.8%
2017	6.4%
2016	11.7%
2015	8.6%

Fund Manager information for UTI Banking & PSU Debt Fund

Name	Since	Tenure

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

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

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 (₹456 Cr).
Established history (15+ yrs).
Rating: 5★ (top quartile).
Risk profile: Moderate.
1Y return: 6.83% (lower mid).
1M return: 0.60% (upper mid).
Sharpe: 0.08 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.81% (top quartile).
Modified duration: 4.66 yrs (bottom quartile).
Average maturity: 6.53 yrs (bottom quartile).
Exit load: NIL.

Below is the key information for UTI Dynamic Bond Fund

UTI Dynamic Bond Fund Growth
Launch Date	16 Jun 10
NAV (26 Nov 25)	₹31.4857 ↑ 0.02 (0.05 %)
Net Assets (Cr)	₹456 on 31 Oct 25
Category	Debt - Dynamic Bond
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆☆
Risk	Moderate
Expense Ratio	1.54
Sharpe Ratio	0.08
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.81%
Effective Maturity	6 Years 6 Months 11 Days
Modified Duration	4 Years 7 Months 28 Days

Growth of 10,000 investment over the years.

Date	Value

UTI Dynamic Bond Fund SIP Returns

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

Returns for UTI Dynamic Bond Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 26 Nov 25

Duration	Returns
1 Month	0.6%
3 Month	2.3%
6 Month	0.9%
1 Year	6.8%
3 Year	7.1%
5 Year	8.3%
10 Year
15 Year
Since launch	7.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.6%
2023	6.2%
2022	10.1%
2021	10.8%
2020	5.9%
2019	-3.9%
2018	5.2%
2017	4.2%
2016	14.9%
2015	6.9%

Fund Manager information for UTI Dynamic Bond Fund

Name	Since	Tenure

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

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

3. Sundaram Rural and Consumption Fund

(Erstwhile Sundaram Rural India Fund)

The primary investment objective of the scheme is to generate consistent long-term returns by investing predominantly in equity & equity related instruments of companies that are focusing on Rural India.

Research Highlights for Sundaram Rural and Consumption Fund

Lower mid AUM (₹1,643 Cr).
Established history (19+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately High.
5Y return: 17.79% (top quartile).
3Y return: 16.63% (upper mid).
1Y return: 3.56% (bottom quartile).
Alpha: -3.88 (bottom quartile).
Sharpe: -0.04 (bottom quartile).
Information ratio: -0.18 (bottom quartile).

Below is the key information for Sundaram Rural and Consumption Fund

Sundaram Rural and Consumption Fund Growth
Launch Date	12 May 06
NAV (26 Nov 25)	₹100.624 ↑ 0.58 (0.58 %)
Net Assets (Cr)	₹1,643 on 31 Oct 25
Category	Equity - Sectoral
AMC	Sundaram Asset Management Company Ltd
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	2.18
Sharpe Ratio	-0.04
Information Ratio	-0.18
Alpha Ratio	-3.88
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

Sundaram Rural and Consumption Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹470,047.
Net Profit of ₹170,047 Invest Now

Returns for Sundaram Rural and Consumption Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 26 Nov 25

Duration	Returns
1 Month	-0.9%
3 Month	1.3%
6 Month	4.2%
1 Year	3.6%
3 Year	16.6%
5 Year	17.8%
10 Year
15 Year
Since launch	12.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	20.1%
2023	30.2%
2022	9.3%
2021	19.3%
2020	13.5%
2019	2.7%
2018	-7.8%
2017	38.7%
2016	21.1%
2015	6.3%

Fund Manager information for Sundaram Rural and Consumption Fund

Name	Since	Tenure

Data below for Sundaram Rural and Consumption Fund as on 31 Oct 25

Equity Sector Allocation

Sector	Value

Asset Allocation

Asset Class	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

4. BNP Paribas Multi Cap Fund

(Erstwhile BNP Paribas Dividend Yield Fund)

The investment objective of the scheme is to generate long term capital growth from an actively managed portfolio of equity and equity related securities, primarily being high dividend yield stocks. High dividend yield stocks are defined as stocks of companies that have a dividend yield in excess of 0.5%, at the time of investment. However, there can be no assurance that the investment objective of the Scheme will be achieved. The Scheme does not guarantee / indicate any returns.

Research Highlights for BNP Paribas Multi Cap Fund

Bottom quartile AUM (₹588 Cr).
Established history (20+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately High.
5Y return: 13.57% (upper mid).
3Y return: 17.28% (top quartile).
1Y return: 19.34% (top quartile).
Alpha: 0.00 (upper mid).
Sharpe: 2.86 (top quartile).
Information ratio: 0.00 (upper mid).

Below is the key information for BNP Paribas Multi Cap Fund

BNP Paribas Multi Cap Fund Growth
Launch Date	15 Sep 05
NAV (13 Mar 22)	₹73.5154 ↓ -0.01 (-0.01 %)
Net Assets (Cr)	₹588 on 31 Jan 22
Category	Equity - Multi Cap
AMC	BNP Paribas Asset Mgmt India Pvt. Ltd
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	2.44
Sharpe Ratio	2.86
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value

BNP Paribas Multi Cap Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹426,080.
Net Profit of ₹126,080 Invest Now

Returns for BNP Paribas Multi 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 26 Nov 25

Duration	Returns
1 Month	-4.4%
3 Month	-4.6%
6 Month	-2.6%
1 Year	19.3%
3 Year	17.3%
5 Year	13.6%
10 Year
15 Year
Since launch	12.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015

Fund Manager information for BNP Paribas Multi Cap Fund

Name	Since	Tenure

Data below for BNP Paribas Multi Cap Fund as on 31 Jan 22

Equity Sector Allocation

Sector	Value

Asset Allocation

Asset Class	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

5. UTI Short Term Income Fund

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

Research Highlights for UTI Short Term Income Fund

Upper mid AUM (₹3,381 Cr).
Established history (18+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 7.88% (upper mid).
1M return: 0.56% (upper mid).
Sharpe: 1.18 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.77% (upper mid).
Modified duration: 2.49 yrs (bottom quartile).
Average maturity: 3.15 yrs (bottom quartile).
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 (26 Nov 25)	₹32.5681 ↑ 0.02 (0.06 %)
Net Assets (Cr)	₹3,381 on 31 Oct 25
Category	Debt - Short term Bond
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	0.85
Sharpe Ratio	1.18
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.77%
Effective Maturity	3 Years 1 Month 24 Days
Modified Duration	2 Years 5 Months 26 Days

Growth of 10,000 investment over the years.

Date	Value

UTI Short Term Income Fund SIP Returns

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

Returns for UTI Short Term Income Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 26 Nov 25

Duration	Returns
1 Month	0.6%
3 Month	1.8%
6 Month	2.6%
1 Year	7.9%
3 Year	7.5%
5 Year	6.9%
10 Year
15 Year
Since launch	6.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.9%
2023	6.9%
2022	3.8%
2021	8.4%
2020	10.5%
2019	-3.9%
2018	6%
2017	6.1%
2016	10.1%
2015	8.3%

Fund Manager information for UTI Short Term Income Fund

Name	Since	Tenure

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

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

6. 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 (₹2,814 Cr).
Established history (18+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderately Low.
1Y return: 7.74% (upper mid).
1M return: 0.60% (top quartile).
Sharpe: 2.49 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.80% (upper mid).
Modified duration: 0.92 yrs (lower mid).
Average maturity: 1.18 yrs (lower 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 (26 Nov 25)	₹3,648.39 ↑ 1.11 (0.03 %)
Net Assets (Cr)	₹2,814 on 31 Oct 25
Category	Debt - Low Duration
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.45
Sharpe Ratio	2.49
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.8%
Effective Maturity	1 Year 2 Months 5 Days
Modified Duration	11 Months 1 Day

Growth of 10,000 investment over the years.

Date	Value

UTI Treasury Advantage Fund SIP Returns

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

Returns for UTI Treasury Advantage Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 26 Nov 25

Duration	Returns
1 Month	0.6%
3 Month	1.7%
6 Month	3.3%
1 Year	7.7%
3 Year	7.5%
5 Year	7.1%
10 Year
15 Year
Since launch	7.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.7%
2023	7.1%
2022	4.5%
2021	9%
2020	7.3%
2019	-4.2%
2018	7.3%
2017	7%
2016	8.9%
2015	8.8%

Fund Manager information for UTI Treasury Advantage Fund

Name	Since	Tenure

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

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

7. UTI Money Market Fund

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

Research Highlights for UTI Money Market Fund

Highest AUM (₹20,352 Cr).
Established history (16+ yrs).
Rating: 4★ (lower mid).
Risk profile: Low.
1Y return: 7.61% (upper mid).
1M return: 0.56% (upper mid).
Sharpe: 2.90 (top quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.26% (lower mid).
Modified duration: 0.40 yrs (upper mid).
Average maturity: 0.40 yrs (upper mid).
Exit load: NIL.

Below is the key information for UTI Money Market Fund

UTI Money Market Fund Growth
Launch Date	13 Jul 09
NAV (26 Nov 25)	₹3,168.63 ↑ 0.56 (0.02 %)
Net Assets (Cr)	₹20,352 on 31 Oct 25
Category	Debt - Money Market
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.25
Sharpe Ratio	2.9
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.26%
Effective Maturity	4 Months 24 Days
Modified Duration	4 Months 24 Days

Growth of 10,000 investment over the years.

Date	Value

UTI Money Market Fund SIP Returns

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

Returns for UTI Money Market Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 26 Nov 25

Duration	Returns
1 Month	0.6%
3 Month	1.5%
6 Month	3.3%
1 Year	7.6%
3 Year	7.6%
5 Year	6.2%
10 Year
15 Year
Since launch	7.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.7%
2023	7.4%
2022	4.9%
2021	3.7%
2020	6%
2019	8%
2018	7.8%
2017	6.7%
2016	7.7%
2015	8.4%

Fund Manager information for UTI Money Market Fund

Name	Since	Tenure

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

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

8. 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

Top quartile AUM (₹13,236 Cr).
Established history (23+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 24.88% (top quartile).
3Y return: 24.47% (top quartile).
1Y return: 7.26% (lower mid).
Alpha: -0.05 (bottom quartile).
Sharpe: 0.08 (bottom quartile).
Information ratio: 0.16 (top quartile).

Below is the key information for Sundaram Mid Cap Fund

Sundaram Mid Cap Fund Growth
Launch Date	30 Jul 02
NAV (26 Nov 25)	₹1,446.05 ↑ 15.68 (1.10 %)
Net Assets (Cr)	₹13,236 on 31 Oct 25
Category	Equity - Mid Cap
AMC	Sundaram Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	1.75
Sharpe Ratio	0.08
Information Ratio	0.16
Alpha Ratio	-0.05
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

Sundaram Mid Cap Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹556,833.
Net Profit of ₹256,833 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 26 Nov 25

Duration	Returns
1 Month	1.7%
3 Month	5.1%
6 Month	8%
1 Year	7.3%
3 Year	24.5%
5 Year	24.9%
10 Year
15 Year
Since launch	23.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	32%
2023	40.4%
2022	4.8%
2021	37.5%
2020	11.8%
2019	-0.3%
2018	-15.4%
2017	40.8%
2016	11.3%
2015	11.2%

Fund Manager information for Sundaram Mid Cap Fund

Name	Since	Tenure

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

Equity Sector Allocation

Sector	Value

Asset Allocation

Asset Class	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

9. UTI Ultra Short Term Fund

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

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

Research Highlights for UTI Ultra Short Term Fund

Upper mid AUM (₹4,097 Cr).
Established history (22+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 6.79% (bottom quartile).
1M return: 0.54% (lower mid).
Sharpe: 1.70 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.63% (upper mid).
Modified duration: 0.46 yrs (upper mid).
Average maturity: 0.54 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 (26 Nov 25)	₹4,341.61 ↑ 1.00 (0.02 %)
Net Assets (Cr)	₹4,097 on 31 Oct 25
Category	Debt - Ultrashort Bond
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.93
Sharpe Ratio	1.7
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.63%
Effective Maturity	6 Months 13 Days
Modified Duration	5 Months 15 Days

Growth of 10,000 investment over the years.

Date	Value

UTI Ultra Short Term Fund SIP Returns

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

Returns for UTI Ultra Short Term Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 26 Nov 25

Duration	Returns
1 Month	0.5%
3 Month	1.4%
6 Month	3%
1 Year	6.8%
3 Year	6.9%
5 Year	6.2%
10 Year
15 Year
Since launch	6.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.2%
2023	6.7%
2022	4.2%
2021	6.1%
2020	5.3%
2019	3.3%
2018	7%
2017	6.6%
2016	8.9%
2015	8.5%

Fund Manager information for UTI Ultra Short Term Fund

Name	Since	Tenure

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

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

10. 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 (₹316 Cr).
Oldest track record among peers (27 yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderate.
1Y return: 6.61% (bottom quartile).
1M return: 0.53% (bottom quartile).
Sharpe: 0.02 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.22% (top quartile).
Modified duration: 5.90 yrs (bottom quartile).
Average maturity: 9.04 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 (26 Nov 25)	₹74.4502 ↑ 0.05 (0.06 %)
Net Assets (Cr)	₹316 on 31 Oct 25
Category	Debt - Medium to Long term
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.62
Sharpe Ratio	0.02
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.22%
Effective Maturity	9 Years 14 Days
Modified Duration	5 Years 10 Months 24 Days

Growth of 10,000 investment over the years.

Date	Value

UTI Bond Fund SIP Returns

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

Returns for UTI 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 26 Nov 25

Duration	Returns
1 Month	0.5%
3 Month	2.2%
6 Month	0.5%
1 Year	6.6%
3 Year	7%
5 Year	8%
10 Year
15 Year
Since launch	7.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.5%
2023	6.4%
2022	9.9%
2021	9.4%
2020	1.1%
2019	-5.8%
2018	4%
2017	3.6%
2016	13.9%
2015	6.3%

Fund Manager information for UTI Bond Fund

Name	Since	Tenure

Data below for UTI Bond Fund as on 31 Oct 25

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

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