Top 8 Best Debt Funds by UTI Mutual Fund 2025

Table of Contents

Top 8 Best Debt Funds by UTI Mutual Fund 2025
Why Invest in UTI Mutual Fund?
Best UTI Debt Mutual Funds
How to Invest in UTI Mutual Funds Online?
Top 8 Funds

Top 8 Best Debt Funds by UTI Mutual Fund 2025

UTI Mutual Fund’s debt funds are one of the best ways to earn optimal returns. The fund aims to generate accrual Income by Investing predominantly in money market instruments.

You can choose funds from a host of schemes like Liquid Funds, ultra short term funds, short term funds, Gilt Funds, etc. Debt fund schemes like liquid, ultra short and short term funds are a great way to plan your short to mid term Financial goals. Investors planning to invest can choose funds from the below-listed top 8 Best Debt Funds by UTI Mutual Fund. These funds have been shortlisted by undertaking certain parameters like AUM, NAV, past performances, average maturity, duration, etc.

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Why Invest in UTI Mutual Fund?

a. Safety

UTI Mutual Fund always strives for the safety of the investor’s money and for Capital appreciation by investing it in a prudent manner.

b. Consistent Returns

UTI Mutual Fund always strives hard to deliver consistent returns to their investors so that they can attain their objectives.

c. Ease of Access

Investors can monitor and access their mutual fund account anytime and anywhere online. Also, the transaction and interaction process with the fund house is also hassle-free and very user-friendly.

Best UTI Debt Mutual Funds

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
UTI Banking & PSU Debt Fund Growth	₹21.1575 ↓ -0.01	₹810	1.8	3.7	7.6	8.5	7.6	7.32%	2Y 3M 29D	2Y 9M 7D
UTI Dynamic Bond Fund Growth	₹29.8794 ↓ -0.07	₹507	1.5	3.4	7.6	8.7	8.6	7.17%	8Y 4M 13D	17Y 6M 25D
UTI Gilt Fund Growth	₹60.8288 ↓ -0.20	₹647	1.5	3.3	7.8	6.7	8.9	7.01%	10Y 1M 17D	23Y 1M 10D
UTI Money Market Fund Growth	₹2,986.8 ↑ 0.04	₹15,370	1.8	3.7	7.7	6.8	7.7	7.34%	4M 11D	4M 12D
UTI Short Term Income Fund Growth	₹30.6375 ↓ -0.01	₹2,610	1.8	3.8	7.7	6.5	7.9	7.53%	2Y 9M 11D	3Y 8M 5D
UTI Treasury Advantage Fund Growth	₹3,433.8 ↑ 0.00	₹2,865	1.8	3.8	7.7	6.6	7.7	7.49%	9M 22D	11M 1D
UTI Bond Fund Growth	₹70.842 ↓ -0.16	₹313	1.6	3.5	7.5	8.8	8.5	7.34%	6Y 8M 1D	10Y 5M 19D
UTI Ultra Short Term Fund Growth	₹4,118.72 ↑ 0.26	₹3,047	1.6	3.5	7.2	6.2	7.2	7.59%	4M 28D	5M 9D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 7 Feb 25

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).

UTI Banking & PSU Debt Fund is a Debt - Banking & PSU Debt fund was launched on 3 Feb 14. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7% since its launch. Ranked 3 in Banking & PSU Debt category. Return for 2024 was 7.6% , 2023 was 6.7% and 2022 was 10.3% .

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

UTI Banking & PSU Debt Fund Growth
Launch Date	3 Feb 14
NAV (07 Feb 25)	₹21.1575 ↓ -0.01 (-0.03 %)
Net Assets (Cr)	₹810 on 31 Dec 24
Category	Debt - Banking & PSU Debt
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆☆
Risk	Moderate
Expense Ratio	0.55
Sharpe Ratio	0.93
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.32%
Effective Maturity	2 Years 9 Months 7 Days
Modified Duration	2 Years 3 Months 29 Days
Sub Cat.	Banking & PSU Debt

Growth of 10,000 investment over the years.

Date	Value
31 Jan 20	₹10,000
31 Jan 21	₹10,814
31 Jan 22	₹11,152
31 Jan 23	₹12,324
31 Jan 24	₹13,180
31 Jan 25	₹14,176

UTI Banking & PSU Debt 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 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 7 Feb 25

Duration	Returns
1 Month	0.7%
3 Month	1.8%
6 Month	3.7%
1 Year	7.6%
3 Year	8.5%
5 Year	7.1%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for UTI Banking & PSU Debt Fund

Name	Since	Tenure
Anurag Mittal	1 Dec 21	3.17 Yr.

Data below for UTI Banking & PSU Debt Fund as on 31 Dec 24

Asset Allocation

Asset Class	Value
Cash	6.06%
Debt	93.63%
Other	0.31%

Debt Sector Allocation

Sector	Value
Government	47.73%
Corporate	45.89%
Cash Equivalent	6.06%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.38% Govt Stock 2027 Sovereign Bonds \| -	11%	₹86 Cr	850,000,000
Axis Bank Limited Debentures \| -	7%	₹55 Cr	550
Small Industries Development Bank Of India Debentures \| -	6%	₹50 Cr	5,000
Export-Import Bank Of India Debentures \| -	6%	₹50 Cr	5,000
ICICI Bank Limited Debentures \| -	6%	₹48 Cr	500
7.37% Govt Stock 2028 Sovereign Bonds \| -	6%	₹46 Cr	450,000,000
Power Finance Corporation Limited Debentures \| -	5%	₹40 Cr	400
Rural Electrification Corporation Limited Debentures \| -	4%	₹35 Cr	3,500
HDFC Bank Limited Debentures \| -	4%	₹35 Cr	350
Indian Railway Finance Corporation Limited Debentures \| -	4%	₹30 Cr	300

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.

UTI Dynamic Bond Fund is a Debt - Dynamic Bond fund was launched on 16 Jun 10. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.8% since its launch. Ranked 3 in Dynamic Bond category. Return for 2024 was 8.6% , 2023 was 6.2% and 2022 was 10.1% .

Below is the key information for UTI Dynamic Bond Fund

UTI Dynamic Bond Fund Growth
Launch Date	16 Jun 10
NAV (07 Feb 25)	₹29.8794 ↓ -0.07 (-0.22 %)
Net Assets (Cr)	₹507 on 31 Dec 24
Category	Debt - Dynamic Bond
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆☆
Risk	Moderate
Expense Ratio	1.54
Sharpe Ratio	0.83
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.17%
Effective Maturity	17 Years 6 Months 25 Days
Modified Duration	8 Years 4 Months 13 Days
Sub Cat.	Dynamic Bond

Growth of 10,000 investment over the years.

Date	Value
31 Jan 20	₹10,000
31 Jan 21	₹10,780
31 Jan 22	₹11,950
31 Jan 23	₹13,223
31 Jan 24	₹14,097
31 Jan 25	₹15,280

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 7 Feb 25

Duration	Returns
1 Month	0.4%
3 Month	1.5%
6 Month	3.4%
1 Year	7.6%
3 Year	8.7%
5 Year	8.5%
10 Year
15 Year
Since launch	7.8%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for UTI Dynamic Bond Fund

Name	Since	Tenure
Sudhir Agarwal	1 Dec 21	3.17 Yr.

Data below for UTI Dynamic Bond Fund as on 31 Dec 24

Asset Allocation

Asset Class	Value
Cash	16.17%
Debt	83.58%
Other	0.25%

Debt Sector Allocation

Sector	Value
Government	63.79%
Corporate	19.79%
Cash Equivalent	16.17%

Credit Quality

Rating	Value
AA	1.13%
AAA	98.87%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.92% Govt Stock 2039 Sovereign Bonds \| -	25%	₹140 Cr	1,400,000,000 ↑ 300,000,000
7.09% Govt Stock 2054 Sovereign Bonds \| -	18%	₹100 Cr	1,000,000,000
Small Industries Development Bank Of India Debentures \| -	7%	₹40 Cr	4,000
National Bank For Agriculture And Rural Development Debentures \| -	7%	₹40 Cr	4,000
Rec Limited Debentures \| -	7%	₹40 Cr	4,000
Power Finance Corporation Ltd. Debentures \| -	5%	₹25 Cr	2,500
7.09% Govt Stock 2074 Sovereign Bonds \| -	4%	₹25 Cr	250,000,000 ↑ 250,000,000
7.3% Govt Stock 2053 Sovereign Bonds \| -	4%	₹21 Cr	200,000,000
7.46% Govt Stock 2073 Sovereign Bonds \| -	3%	₹16 Cr	150,000,000
7.1% Govt Stock 2034 Sovereign Bonds \| -	3%	₹15 Cr	150,000,000

3. 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.

UTI Gilt Fund is a Debt - Government Bond fund was launched on 21 Jan 02. It is a fund with Moderate risk and has given a CAGR/Annualized return of 8.1% since its launch. Ranked 7 in Government Bond category. Return for 2024 was 8.9% , 2023 was 6.7% and 2022 was 2.9% .

Below is the key information for UTI Gilt Fund

UTI Gilt Fund Growth
Launch Date	21 Jan 02
NAV (07 Feb 25)	₹60.8288 ↓ -0.20 (-0.33 %)
Net Assets (Cr)	₹647 on 31 Dec 24
Category	Debt - Government Bond
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	0.92
Sharpe Ratio	0.81
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.01%
Effective Maturity	23 Years 1 Month 10 Days
Modified Duration	10 Years 1 Month 17 Days
Sub Cat.	Government Bond

Growth of 10,000 investment over the years.

Date	Value
31 Jan 20	₹10,000
31 Jan 21	₹10,990
31 Jan 22	₹11,240
31 Jan 23	₹11,641
31 Jan 24	₹12,473
31 Jan 25	₹13,563

UTI Gilt Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for UTI 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 7 Feb 25

Duration	Returns
1 Month	0.5%
3 Month	1.5%
6 Month	3.3%
1 Year	7.8%
3 Year	6.7%
5 Year	6%
10 Year
15 Year
Since launch	8.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.9%
2023	6.7%
2022	2.9%
2021	2.3%
2020	10.3%
2019	11.8%
2018	6.3%
2017	4.3%
2016	15.5%
2015	6.1%

Fund Manager information for UTI Gilt Fund

Name	Since	Tenure
Sudhir Agarwal	1 Dec 21	3.17 Yr.

Data below for UTI Gilt Fund as on 31 Dec 24

Asset Allocation

Asset Class	Value
Cash	2.56%
Debt	97.44%

Debt Sector Allocation

Sector	Value
Government	97.44%
Cash Equivalent	2.56%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.92% Govt Stock 2039 Sovereign Bonds \| -	36%	₹230 Cr	2,300,000,000 ↑ 1,000,000,000
7.34% Govt Stock 2064 Sovereign Bonds \| -	18%	₹118 Cr	1,150,000,000
7.09% Govt Stock 2054 Sovereign Bonds \| -	16%	₹100 Cr	1,000,000,000
6.79% Govt Stock 2034 Sovereign Bonds \| -	12%	₹75 Cr	750,000,000
7.3% Govt Stock 2053 Sovereign Bonds \| -	7%	₹46 Cr	450,000,000
7.46% Govt Stock 2073 Sovereign Bonds \| -	5%	₹31 Cr	300,000,000
7.1% Govt Stock 2034 Sovereign Bonds \| -	4%	₹25 Cr	250,000,000
Net Current Assets Net Current Assets \| -	2%	₹15 Cr
Clearing Corporation Of India Ltd. Std - Margin CBLO/Reverse Repo \| -	0%	₹1 Cr	00
7.23% Govt Stock 2039 Sovereign Bonds \| -		₹0 Cr	00 ↓ -1,000,000,000

4. 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.

UTI Money Market Fund is a Debt - Money Market fund was launched on 13 Jul 09. It is a fund with Low risk and has given a CAGR/Annualized return of 7.3% since its launch. Ranked 23 in Money Market category. Return for 2024 was 7.7% , 2023 was 7.4% and 2022 was 4.9% .

Below is the key information for UTI Money Market Fund

UTI Money Market Fund Growth
Launch Date	13 Jul 09
NAV (07 Feb 25)	₹2,986.8 ↑ 0.04 (0.00 %)
Net Assets (Cr)	₹15,370 on 31 Dec 24
Category	Debt - Money Market
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.27
Sharpe Ratio	3.76
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.34%
Effective Maturity	4 Months 12 Days
Modified Duration	4 Months 11 Days
Sub Cat.	Money Market

Growth of 10,000 investment over the years.

Date	Value
31 Jan 20	₹10,000
31 Jan 21	₹10,575
31 Jan 22	₹10,985
31 Jan 23	₹11,550
31 Jan 24	₹12,419
31 Jan 25	₹13,375

UTI Money Market Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for UTI 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 7 Feb 25

Duration	Returns
1 Month	0.6%
3 Month	1.8%
6 Month	3.7%
1 Year	7.7%
3 Year	6.8%
5 Year	6%
10 Year
15 Year
Since launch	7.3%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for UTI Money Market Fund

Name	Since	Tenure
Anurag Mittal	1 Dec 21	3.17 Yr.
Amit Sharma	7 Jul 17	7.58 Yr.

Data below for UTI Money Market Fund as on 31 Dec 24

Asset Allocation

Asset Class	Value
Cash	96.29%
Debt	3.47%
Other	0.24%

Debt Sector Allocation

Sector	Value
Cash Equivalent	73.47%
Corporate	24%
Government	2.3%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
182 DTB 18102024 Sovereign Bonds \| -	6%	₹1,026 Cr	10,350,000,000
182 D Tbill Mat - 14/02/2025 Sovereign Bonds \| -	2%	₹298 Cr	3,000,000,000
182 DTB 27062025 Sovereign Bonds \| -	1%	₹194 Cr	2,000,000,000 ↑ 2,000,000,000
Cd - Union Bank Of India - 02/04/25 Debentures \| -	1%	₹172 Cr	1,750,000,000 ↓ -250,000,000
India (Republic of) - \| -	1%	₹172 Cr	1,750,000,000
Axis Bank Ltd. Debentures \| -	1%	₹141 Cr	1,500,000,000
08.09 Ts SDL 2025 Sovereign Bonds \| -	1%	₹135 Cr	1,350,000,000
7.52% GJ Sdl 08/03/2025 Sovereign Bonds \| -	1%	₹100 Cr	1,000,000,000
08.08 CG Sdl 2025 Sovereign Bonds \| -	1%	₹100 Cr	1,000,000,000
HDFC Bank Ltd. Debentures \| -	0%	₹71 Cr	750,000,000 ↓ -250,000,000

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.

UTI Short Term Income Fund is a Debt - Short term Bond fund was launched on 19 Sep 07. It is a fund with Moderate risk and has given a CAGR/Annualized return of 6.6% since its launch. Ranked 10 in Short term Bond category. Return for 2024 was 7.9% , 2023 was 6.9% and 2022 was 3.8% .

Below is the key information for UTI Short Term Income Fund

UTI Short Term Income Fund Growth
Launch Date	19 Sep 07
NAV (07 Feb 25)	₹30.6375 ↓ -0.01 (-0.03 %)
Net Assets (Cr)	₹2,610 on 31 Dec 24
Category	Debt - Short term Bond
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	0.94
Sharpe Ratio	1.27
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.53%
Effective Maturity	3 Years 8 Months 5 Days
Modified Duration	2 Years 9 Months 11 Days
Sub Cat.	Short term Bond

Growth of 10,000 investment over the years.

Date	Value
31 Jan 20	₹10,000
31 Jan 21	₹10,937
31 Jan 22	₹11,903
31 Jan 23	₹12,377
31 Jan 24	₹13,259
31 Jan 25	₹14,297

UTI Short Term Income 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 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 7 Feb 25

Duration	Returns
1 Month	0.7%
3 Month	1.8%
6 Month	3.8%
1 Year	7.7%
3 Year	6.5%
5 Year	7.3%
10 Year
15 Year
Since launch	6.6%

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
Sudhir Agarwal	25 Oct 12	12.28 Yr.

Data below for UTI Short Term Income Fund as on 31 Dec 24

Asset Allocation

Asset Class	Value
Cash	14.67%
Debt	85.06%
Other	0.27%

Debt Sector Allocation

Sector	Value
Corporate	69.46%
Government	17.5%
Cash Equivalent	12.77%

Credit Quality

Rating	Value
AA	12.1%
AAA	87.9%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Housing Bank Debentures \| -	8%	₹211 Cr	21,000
LIC Housing Finance Limited Debentures \| -	7%	₹176 Cr	1,750
Small Industries Development Bank Of India Debentures \| -	7%	₹176 Cr	17,500
National Bank For Agriculture And Rural Development Debentures \| -	7%	₹176 Cr	17,500
Power Finance Corporation Ltd. Debentures \| -	7%	₹175 Cr	17,500
Bajaj Finance Limited Debentures \| -	4%	₹100 Cr	10,000
6.92% Govt Stock 2039 Sovereign Bonds \| -	3%	₹85 Cr	850,000,000 ↑ 850,000,000
Kotak Mahindra Prime Limited Debentures \| -	3%	₹75 Cr	750
Shriram Finance Limited Debentures \| -	3%	₹70 Cr	7,000
Rec Limited Debentures \| -	2%	₹60 Cr	6,000

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.

UTI Treasury Advantage Fund is a Debt - Low Duration fund was launched on 23 Apr 07. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 7.2% since its launch. Ranked 15 in Low Duration category. Return for 2024 was 7.7% , 2023 was 7.1% and 2022 was 4.5% .

Below is the key information for UTI Treasury Advantage Fund

UTI Treasury Advantage Fund Growth
Launch Date	23 Apr 07
NAV (07 Feb 25)	₹3,433.8 ↑ 0.00 (0.00 %)
Net Assets (Cr)	₹2,865 on 31 Dec 24
Category	Debt - Low Duration
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.44
Sharpe Ratio	2.45
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.49%
Effective Maturity	11 Months 1 Day
Modified Duration	9 Months 22 Days
Sub Cat.	Low Duration

Growth of 10,000 investment over the years.

Date	Value
31 Jan 20	₹10,000
31 Jan 21	₹10,675
31 Jan 22	₹11,658
31 Jan 23	₹12,204
31 Jan 24	₹13,086
31 Jan 25	₹14,086

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 7 Feb 25

Duration	Returns
1 Month	0.6%
3 Month	1.8%
6 Month	3.8%
1 Year	7.7%
3 Year	6.6%
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
Anurag Mittal	1 Dec 21	3.17 Yr.

Data below for UTI Treasury Advantage Fund as on 31 Dec 24

Asset Allocation

Asset Class	Value
Cash	58.51%
Debt	41.23%
Other	0.26%

Debt Sector Allocation

Sector	Value
Corporate	50.32%
Cash Equivalent	40.48%
Government	8.94%

Credit Quality

Rating	Value
AA	6.7%
AAA	93.3%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹151 Cr	15,000
Bajaj Housing Finance Limited Debentures \| -	4%	₹125 Cr	1,250
Rural Electrification Corporation Limited Debentures \| -	3%	₹100 Cr	10,000 ↑ 5,000
Power Finance Corporation Limited Debentures \| -	3%	₹98 Cr	1,000
Nirma Limited Debentures \| -	2%	₹75 Cr	7,500
LIC Housing Finance Limited Debentures \| -	2%	₹75 Cr	750
INDIA UNIVERSAL TRUST AL1 Unlisted bonds \| -	2%	₹64 Cr	75
Export Import Bank Of India Debentures \| -	1%	₹50 Cr	500
Aditya Birla Renewables Limited Debentures \| -	1%	₹50 Cr	5,000
Rec Limited Debentures \| -	1%	₹50 Cr	5,000

7. UTI Bond Fund

(Erstwhile UTI - Bond Fund)

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

UTI Bond Fund is a Debt - Medium to Long term fund was launched on 4 May 98. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.6% since its launch. Ranked 11 in Medium to Long term category. Return for 2024 was 8.5% , 2023 was 6.4% and 2022 was 9.9% .

Below is the key information for UTI Bond Fund

UTI Bond Fund Growth
Launch Date	4 May 98
NAV (07 Feb 25)	₹70.842 ↓ -0.16 (-0.23 %)
Net Assets (Cr)	₹313 on 31 Dec 24
Category	Debt - Medium to Long term
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.62
Sharpe Ratio	0.8
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.34%
Effective Maturity	10 Years 5 Months 19 Days
Modified Duration	6 Years 8 Months 1 Day
Sub Cat.	Medium to Long term

Growth of 10,000 investment over the years.

Date	Value
31 Jan 20	₹10,000
31 Jan 21	₹10,566
31 Jan 22	₹11,568
31 Jan 23	₹12,778
31 Jan 24	₹13,648
31 Jan 25	₹14,786

UTI Bond Fund SIP Returns

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

Returns for UTI Bond Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 7 Feb 25

Duration	Returns
1 Month	0.6%
3 Month	1.6%
6 Month	3.5%
1 Year	7.5%
3 Year	8.8%
5 Year	7.8%
10 Year
15 Year
Since launch	7.6%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for UTI Bond Fund

Name	Since	Tenure
Sunil Patil	17 Apr 23	1.79 Yr.

Data below for UTI Bond Fund as on 31 Dec 24

Asset Allocation

Asset Class	Value
Cash	2.7%
Debt	97.03%
Other	0.27%

Debt Sector Allocation

Sector	Value
Government	58.75%
Corporate	38.27%
Cash Equivalent	2.7%

Credit Quality

Rating	Value
AA	11.48%
AAA	88.52%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.92% Govt Stock 2039 Sovereign Bonds \| -	55%	₹174 Cr	1,740,000,000 ↓ -10,000,000
LIC Housing Finance Limited Debentures \| -	8%	₹25 Cr	250
Hdb Financial Services Ltd. Debentures \| -	8%	₹25 Cr	250
Jamnagar Utilities And Power Private Limited Debentures \| -	6%	₹20 Cr	2,000
Cholamandalam Investment And Finance Company Limited Debentures \| -	5%	₹15 Cr	1,500
Aditya Birla Renewables Limited Debentures \| -	5%	₹15 Cr	1,500
INDIA UNIVERSAL TRUST AL1 Unlisted bonds \| -	5%	₹15 Cr	15
07.78 RJ Sdl 2033 Sovereign Bonds \| -	2%	₹5 Cr	50,000,000
07.74 MH Sgs 2033 Sovereign Bonds \| -	2%	₹5 Cr	50,000,000
Mankind Pharma Ltd Debentures \| -	2%	₹5 Cr	500

8. 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.

UTI Ultra Short Term Fund is a Debt - Ultrashort Bond fund was launched on 29 Aug 03. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 6.8% since its launch. Ranked 27 in Ultrashort Bond category. Return for 2024 was 7.2% , 2023 was 6.7% and 2022 was 4.2% .

Below is the key information for UTI Ultra Short Term Fund

UTI Ultra Short Term Fund Growth
Launch Date	29 Aug 03
NAV (07 Feb 25)	₹4,118.72 ↑ 0.26 (0.01 %)
Net Assets (Cr)	₹3,047 on 31 Dec 24
Category	Debt - Ultrashort Bond
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.96
Sharpe Ratio	1.08
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.59%
Effective Maturity	5 Months 9 Days
Modified Duration	4 Months 28 Days
Sub Cat.	Ultrashort Bond

Growth of 10,000 investment over the years.

Date	Value
31 Jan 20	₹10,000
31 Jan 21	₹10,490
31 Jan 22	₹11,137
31 Jan 23	₹11,633
31 Jan 24	₹12,428
31 Jan 25	₹13,318

UTI Ultra Short Term Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for UTI 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 7 Feb 25

Duration	Returns
1 Month	0.6%
3 Month	1.6%
6 Month	3.5%
1 Year	7.2%
3 Year	6.2%
5 Year	5.9%
10 Year
15 Year
Since launch	6.8%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for UTI Ultra Short Term Fund

Name	Since	Tenure
Anurag Mittal	21 Jan 25	0.03 Yr.

Data below for UTI Ultra Short Term Fund as on 31 Dec 24

Asset Allocation

Asset Class	Value
Cash	67.68%
Debt	32.09%
Other	0.23%

Debt Sector Allocation

Sector	Value
Cash Equivalent	51.9%
Corporate	46.43%
Government	1.43%

Credit Quality

Rating	Value
AA	15.54%
AAA	84.46%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹150 Cr	1,500
Bajaj Housing Finance Limited Debentures \| -	3%	₹100 Cr	1,000
Small Industries Development Bank Of India Debentures \| -	2%	₹75 Cr	750 ↑ 750
LIC Housing Finance Ltd Debentures \| -	2%	₹74 Cr	750 ↑ 750
Shriram Transport Finance Company Limited Debentures \| -	1%	₹50 Cr	5,000
ICICI Home Finance Company Limited Debentures \| -	1%	₹50 Cr	5,000
Hdb Financial Services Limited Debentures \| -	1%	₹50 Cr	500
Bajaj Finance Limited Debentures \| -	1%	₹50 Cr	500
Kotak Mahindra Prime Limited Debentures \| -	1%	₹50 Cr	500
HDFC Bank Limited Debentures \| -	1%	₹50 Cr	5,000

How to Invest in UTI Mutual Funds Online?

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Disclaimer:
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.