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ન્યુઝીલેન્ડમાં રહેતા એનઆરઆઈ માટે મ્યુચ્યુઅલ ફંડ રોકાણ
મ્યુચ્યુઅલ ફંડમાં રોકાણ કરવા માટે ન્યુઝીલેન્ડ NRIs માટે KYC પ્રક્રિયા
બિન-નિવાસી ભારતીય (NRI) મ્યુચ્યુઅલ ફંડ કરવેરા
- ડિવિડન્ડ પર મ્યુચ્યુઅલ ફંડ ટેક્સેશન
ન્યુઝીલેન્ડ એનઆરઆઈ માટે શ્રેષ્ઠ મ્યુચ્યુઅલ ફંડ
મ્યુચ્યુઅલ ફંડમાં ઓનલાઈન કેવી રીતે રોકાણ કરવું?
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ભારતમાં ન્યુઝીલેન્ડ સ્થિત NRI રોકાણ માટે મ્યુચ્યુઅલ ફંડ

Updated on April 1, 2025 , 2980 views

ન્યુઝીલેન્ડમાં રહેતા એનઆરઆઈ તેમના રોકાણના ઉદ્દેશ્યો મુજબ મ્યુચ્યુઅલ ફંડ યોજનાઓમાં રોકાણ કરી શકે છે. ઉપરાંત, જે રોકાણ પોર્ટફોલિયોમાં વૈવિધ્યીકરણ કરવા અને સમયાંતરે શ્રેષ્ઠ વળતર મેળવવા માંગે છે,મ્યુચ્યુઅલ ફંડ ધ્યાનમાં લેવા માટે એક શ્રેષ્ઠ વિકલ્પ છે.

ન્યુઝીલેન્ડમાં રહેતા બિન-નિવાસી ભારતીયો (એનઆરઆઈ) વધતા ઘરનો લાભ મેળવી શકે છેઅર્થતંત્ર દ્વારારોકાણ ભારતમાં મ્યુચ્યુઅલ ફંડમાં. ત્યારથી, જ્યારે ભારતની વિશ્વની છઠ્ઠી સૌથી મોટી અર્થવ્યવસ્થા તરીકે જાહેરાત કરવામાં આવી હતી, ત્યારે તેણે ઘણા NRI રોકાણકારોનું ધ્યાન ખેંચ્યું હતું.

પરંપરાગત રીતે, બિન-નિવાસી ભારતીયો ભારતમાં રિયલ એસ્ટેટમાં રોકાણ કરવામાં વધુ આરામદાયક રહ્યા છે. પરંતુ, ભારતની વધતી જતી અર્થવ્યવસ્થાએ તેમના માટે રોકાણની પસંદગીઓને વિસ્તૃત કરી છે, ખાસ કરીને મ્યુચ્યુઅલ ફંડ્સ.

NRI મોટાભાગે બે મુખ્ય કારણોસર મ્યુચ્યુઅલ ફંડમાં રોકાણ કરવાનું પસંદ કરે છે- એક કારણ કે તેઓ ઇક્વિટી દ્વારા શેરોમાં આડકતરી રીતે ભાગ લઈ શકે છે અને બીજું તેઓ કરતાં વધુ વળતર મેળવી શકે છે.બેંક ડેટ ફંડમાં રોકાણ કરીને ટૂંકા ગાળા માટે બચત ખાતા. પોર્ટફોલિયો વૈવિધ્યકરણ માટે મ્યુચ્યુઅલ ફંડ્સ પણ શ્રેષ્ઠ વિકલ્પ છે. જેમ કે MF બહુવિધ સિક્યોરિટીઝમાં રોકાણ કરે છે તે જોખમને વૈવિધ્ય બનાવે છે.

ન્યુઝીલેન્ડમાં રહેતા એનઆરઆઈ માટે મ્યુચ્યુઅલ ફંડ રોકાણ

પ્રતિમ્યુચ્યુઅલ ફંડમાં રોકાણ કરો ભારતમાં કોઈએ ભારતીય બેંકમાં નીચેનામાંથી કોઈપણ ખાતું ખોલવાનું મનાય છે:

NRE એકાઉન્ટ

આ બિન-નિવાસી બાહ્ય (NRE) ખાતું છે જે બચત, વર્તમાન, નિશ્ચિત અથવારિકરિંગ ડિપોઝિટ. તમારે આ ખાતામાં વિદેશી ચલણ જમા કરાવવાની જરૂર છે. ભારતીય ચલણ જમા કરાવવા માટે તમારે NRO ખાતું ખોલવું પડશે. NRE ખાતામાં ટ્રાન્ઝેક્શનની રકમ પર કોઈ ઉચ્ચ મર્યાદા નથી.

NRO એકાઉન્ટ

એનઆરઓ અથવા બિન-નિવાસી સામાન્ય ખાતું બચત અથવા ચાલુ ખાતાના સ્વરૂપમાં છે જે એનઆરઆઈ માટે તેમના સંચાલન માટે છે.આવક ભારતમાં કમાણી કરી હતી. NRO ખાતામાં, વિદેશી ચલણ જમા થયા પછી ભારતીય રૂપિયામાં રૂપાંતરિત થાય છે. એનઆરઓ ખાતું અન્ય એનઆરઆઈ તેમજ નિવાસી ભારતીય (નજીકના સંબંધીઓ) સાથે સંયુક્ત રીતે રાખી શકાય છે.

FCNR એકાઉન્ટ

આનો અર્થ છે વિદેશી ચલણ નોન-પેટ્રિએબલ એકાઉન્ટ ડિપોઝિટ. આ ખાતામાં, NRIs તેમના પૈસા મોકલી શકે છેકમાણી કેનેડિયન $, US$, યુરો, AU$, યેન અને પાઉન્ડ જેવી છ ચલણમાંથી એકમાં. અન્ય FCNR અથવા NRE એકાઉન્ટમાંથી ફંડ ટ્રાન્સફર કરી શકાય છે. FCNR માં, મુદ્દલ અને વ્યાજ પર કોઈ ટેક્સ લાગતો નથી.

એકવાર તમે આમાંનું કોઈપણ એકાઉન્ટ ખોલી લો તે પછી, તમારે KYC ધોરણો હેઠળ, તમારા KYC (તમારા ગ્રાહકને જાણો) સફળતાપૂર્વક પૂર્ણ કરવાની જરૂર છે, જે આના દ્વારા નિર્ધારિત છે.સેબી (સિક્યોરિટીઝ એક્સચેન્જ બોર્ડ ઓફ ઈન્ડિયા). સેબી-રજિસ્ટર્ડ મધ્યસ્થીઓમાંથી કોઈ પણ વ્યક્તિ તેમની KYC પૂર્ણ કરી શકે છે.

મ્યુચ્યુઅલ ફંડમાં રોકાણ કરવા માટે ન્યુઝીલેન્ડ NRIs માટે KYC પ્રક્રિયા

તમારી KYC પ્રક્રિયા સફળતાપૂર્વક પૂર્ણ કરવા માટે, ન્યુઝીલેન્ડ એનઆરઆઈએ અમુક મહત્વપૂર્ણ પગલાં ભરવા અને દસ્તાવેજો આપવા જરૂરી છે જેમ કે:

a KYC ફોર્મ

એનઆરઆઈએ સબમિટ કરવાની જરૂર છેKYC ફોર્મ SEBI રજિસ્ટર્ડ ઇન્ટરમિડિયેટમાં ભરવામાં આવેલી તમામ જરૂરી વિગતો સાથે. દસ્તાવેજો કુરિયર/પોસ્ટ દ્વારા ઇન્ટરમીડિયેટને મોકલી શકાય છે.

b દસ્તાવેજો

નીચેના જરૂરી દસ્તાવેજો છે જે સબમિટ કરવાની જરૂર છે:

વિદેશી સરનામાનો પુરાવો
ભારતીય નિવાસી સરનામાનો પુરાવો
તાજેતરનો ફોટોગ્રાફ
પાસપોર્ટ નકલ

મર્ચન્ટ નેવીમાં એનઆરઆઈના કિસ્સામાં, નાવિકનું ઘોષણા અથવા સતત ડિસ્ચાર્જ પ્રમાણપત્રની પ્રમાણિત નકલ સબમિટ કરવી આવશ્યક છે.

વિ. પ્રમાણપત્ર

NRIs અથવા PIO (ભારત મૂળના વ્યક્તિ) ઉપરોક્ત દસ્તાવેજો ભારતમાં નોંધાયેલ અનુસૂચિત વ્યાપારી બેંકોની વિદેશી શાખાઓના અધિકૃત અધિકારીઓ, ન્યાયાધીશ, કોર્ટ મેજિસ્ટ્રેટ, જાહેર નોટરીઓ અથવા દેશમાં ભારતીય દૂતાવાસ/કોન્સ્યુલેટ જનરલ દ્વારા પ્રમાણિત કરી શકે છે કે તેઓ સ્થિત છે.

ડી. વ્યક્તિગત ચકાસણીમાં (IPV)

સેબીના નિયમો મુજબ, KYC પ્રક્રિયા માટે IPV ફરજિયાત છે. મધ્યવર્તી એ NRIs/PIOs ના IPVનું સંચાલન કરવું જોઈએ.

મહેરબાની કરીને નોંધ કરો કે સબમિટ કરતી વખતે ઉપરના તમામ દસ્તાવેજો/પ્રૂફ અંગ્રેજી ભાષામાં હોવા જોઈએ.

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બિન-નિવાસી ભારતીય (NRI) મ્યુચ્યુઅલ ફંડ કરવેરા

પાટનગર નાણાકીય વર્ષ 2017-18 (મૂલ્યાંકન વર્ષ 2018-19) માટે એનઆરઆઈ મ્યુચ્યુઅલ ફંડના રોકાણો પરના ગેન્સ ટેક્સ દરો નીચે મુજબ છે:

NRIમ્યુચ્યુઅલ ફંડ્સ પર કર-મૂડી વધારો કર દરો- નાણાકીય વર્ષ 2017/2018 (AY- 2018-19)

મ્યુચ્યુઅલ ફંડ યોજનાના પ્રકાર	શોર્ટ ટર્મ કેપિટલ ગેઈન્સ (STCG)	લોંગ ટર્મ કેપિટલ ગેઈન્સ (LTCG)
ઇક્વિટી ફંડ્સ- STCG- એક વર્ષ કરતાં ઓછા અથવા તેના સમાન એકમો, LTCG- એક વર્ષથી વધુ યોજાયેલા એકમો	15%	શૂન્ય
નોન-ઇક્વિટી ફંડ- STCG- 3 વર્ષ કે તેથી ઓછા સમય માટે રાખવામાં આવેલ એકમો, LTCG- 3 વર્ષથી વધુ સમય માટે રાખવામાં આવેલ એકમો	વ્યક્તિગત મુજબઆવક વેરો કૌંસ	લિસ્ટેડ ફંડ્સ પર - 20% (ઇન્ડેક્સેશન સાથે), અનલિસ્ટેડ ફંડ્સ- 10% (ઇન્ડેક્સેશન વિના)

ડિવિડન્ડ પર મ્યુચ્યુઅલ ફંડ ટેક્સેશન

ઇક્વિટી ફંડ્સ પર ડિવિડન્ડ: ઇક્વિટી ફંડ માટે યુનિટ ધારકના હાથમાં મળતું ડિવિડન્ડ સંપૂર્ણપણે કરમુક્ત છે. ડિવિડન્ડ પણ કરમુક્ત છેAMC.
ડેટ ફંડ્સ પર ડિવિડન્ડ: AMCએ તેના યુનિટ-ધારકોને આ ડિવિડન્ડ આવકનું વિતરણ કરતા પહેલા 28.84%નો ડિવિડન્ડ ડિસ્ટ્રિબ્યુશન ટેક્સ (DDT) ચૂકવવો પડશે. એ દ્વારા પ્રાપ્ત થયેલ ડિવિડન્ડની આવકડેટ ફંડ યુનિટ ધારક પણ કરમુક્ત છે.

AY 2018-19 માટે NRIs દ્વારા MF રિડેમ્પશન પર લાગુ TDS દર નીચે છે.

મ્યુચ્યુઅલ ફંડ્સ પર એનઆરઆઈ કરવેરા- કેપિટલ ગેન્સ ટેક્સ દરો- નાણાકીય વર્ષ 2017/2018 (AY- 2018-19)

NRIs અને TDS દર દ્વારા મ્યુચ્યુઅલ ફંડ રીડેમ્પશન	STCG અને TDS દર	LTCG અને TDS દર
MF યોજનાનો પ્રકાર
ઇક્વિટી ઓરિએન્ટેડ ફંડ્સ	15%	શૂન્ય
ડેટ ફંડ્સ	30%	લિસ્ટેડ ફંડ્સ પર- 20% (ઇન્ડેક્સેશન સાથે), અનલિસ્ટેડ ફંડ્સ- 10% (ઇન્ડેક્સેશન વિના)

ન્યુઝીલેન્ડ એનઆરઆઈ માટે શ્રેષ્ઠ મ્યુચ્યુઅલ ફંડ

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2023 (%)
Sundaram Rural and Consumption Fund Growth	₹88.7885 ↓ -0.89	₹1,398	-10.9	-14	9.4	16.8	24.1	20.1
UTI Dynamic Bond Fund Growth	₹30.6098 ↑ 0.04	₹626	3	4	9.1	9.4	9.3	8.6
UTI Banking & PSU Debt Fund Growth	₹21.5142 ↑ 0.01	₹825	2.4	4	8.1	8.8	7.3	7.6
L&T India Value Fund Growth	₹96.9644 ↓ -2.21	₹11,580	-8.6	-10.5	5.3	19.3	33.3	25.9
L&T Emerging Businesses Fund Growth	₹70.8552 ↓ -2.37	₹13,334	-18.2	-17	1.1	17.2	37.6	28.5
BNP Paribas Multi Cap Fund Growth	₹73.5154 ↓ -0.01	₹588	-4.6	-2.6	19.3	17.3	13.6
L&T Business Cycles Fund Growth	₹38.1371 ↓ -1.09	₹855	-10.3	-10.5	11	19.7	31	36.3
L&T Flexi Bond Fund Growth	₹29.426 ↑ 0.05	₹158	3.6	4.3	10	7.1	6.1	8.7
UTI Regular Savings Fund Growth	₹67.0355 ↓ -0.24	₹1,610	0.9	0.3	10	9	12.6	11.6
L&T Tax Advantage Fund Growth	₹119.227 ↓ -3.32	₹3,604	-10.9	-10	9.9	15.4	26.8	33
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 4 Apr 25

1. 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.

Sundaram Rural and Consumption Fund is a Equity - Sectoral fund was launched on 12 May 06. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 12.3% since its launch. Ranked 2 in Sectoral category. Return for 2024 was 20.1% , 2023 was 30.2% and 2022 was 9.3% .

Below is the key information for Sundaram Rural and Consumption Fund

Sundaram Rural and Consumption Fund Growth
Launch Date	12 May 06
NAV (04 Apr 25)	₹88.7885 ↓ -0.89 (-0.99 %)
Net Assets (Cr)	₹1,398 on 28 Feb 25
Category	Equity - Sectoral
AMC	Sundaram Asset Management Company Ltd
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	2.23
Sharpe Ratio	0.08
Information Ratio	0.02
Alpha Ratio	2.03
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 Mar 20	₹10,000
31 Mar 21	₹15,527
31 Mar 22	₹17,531
31 Mar 23	₹18,574
31 Mar 24	₹25,538
31 Mar 25	₹27,904

Sundaram Rural and Consumption 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 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 4 Apr 25

Duration	Returns
1 Month	4.3%
3 Month	-10.9%
6 Month	-14%
1 Year	9.4%
3 Year	16.8%
5 Year	24.1%
10 Year
15 Year
Since launch	12.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	20.1%
2022	30.2%
2021	9.3%
2020	19.3%
2019	13.5%
2018	2.7%
2017	-7.8%
2016	38.7%
2015	21.1%
2014	6.3%

Fund Manager information for Sundaram Rural and Consumption Fund

Name	Since	Tenure
Ratish Varier	1 Jan 22	3.16 Yr.

Data below for Sundaram Rural and Consumption Fund as on 28 Feb 25

Equity Sector Allocation

Sector	Value
Consumer Cyclical	41.18%
Consumer Defensive	30.28%
Communication Services	12.72%
Financial Services	2.87%
Health Care	2.71%
Basic Materials	1.5%
Real Estate	1.44%

Asset Allocation

Asset Class	Value
Cash	7.29%
Equity	92.71%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Oct 22 \| BHARTIARTL	11%	₹148 Cr	939,519
ITC Ltd (Consumer Defensive) Equity, Since 31 Jul 13 \| ITC	8%	₹118 Cr	2,991,251
Mahindra & Mahindra Ltd (Consumer Cyclical) Equity, Since 30 Apr 22 \| M&M	7%	₹100 Cr	385,492 ↑ 35,000
Hindustan Unilever Ltd (Consumer Defensive) Equity, Since 30 Apr 16 \| HINDUNILVR	5%	₹77 Cr	350,212
Titan Co Ltd (Consumer Cyclical) Equity, Since 29 Feb 20 \| TITAN	5%	₹72 Cr	235,289 ↓ -67,974
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 31 Jul 12 \| MARUTI	5%	₹70 Cr	58,511 ↓ -8,795
Zomato Ltd (Consumer Cyclical) Equity, Since 31 May 24 \| 543320	5%	₹67 Cr	3,000,962
United Spirits Ltd (Consumer Defensive) Equity, Since 31 Dec 18 \| UNITDSPR	4%	₹58 Cr	453,496
Safari Industries (India) Ltd (Consumer Cyclical) Equity, Since 28 Feb 22 \| 523025	4%	₹52 Cr	245,560
Trent Ltd (Consumer Cyclical) Equity, Since 29 Feb 24 \| 500251	3%	₹42 Cr	86,291

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 (04 Apr 25)	₹30.6098 ↑ 0.04 (0.14 %)
Net Assets (Cr)	₹626 on 28 Feb 25
Category	Debt - Dynamic Bond
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆☆
Risk	Moderate
Expense Ratio	1.54
Sharpe Ratio	0.12
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.09%
Effective Maturity	14 Years 7 Months 13 Days
Modified Duration	6 Years 5 Months 5 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,684
31 Mar 22	₹11,866
31 Mar 23	₹13,300
31 Mar 24	₹14,296
31 Mar 25	₹15,455

UTI Dynamic Bond Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹209,201.
Net Profit of ₹29,201 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 4 Apr 25

Duration	Returns
1 Month	2.2%
3 Month	3%
6 Month	4%
1 Year	9.1%
3 Year	9.4%
5 Year	9.3%
10 Year
15 Year
Since launch	7.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	8.6%
2022	6.2%
2021	10.1%
2020	10.8%
2019	5.9%
2018	-3.9%
2017	5.2%
2016	4.2%
2015	14.9%
2014	6.9%

Fund Manager information for UTI Dynamic Bond Fund

Name	Since	Tenure
Sudhir Agarwal	1 Dec 21	3.25 Yr.

Data below for UTI Dynamic Bond Fund as on 28 Feb 25

Asset Allocation

Asset Class	Value
Cash	8.21%
Debt	91.57%
Other	0.22%

Debt Sector Allocation

Sector	Value
Government	73.93%
Corporate	17.65%
Cash Equivalent	8.21%

Credit Quality

Rating	Value
AA	0.94%
AAA	99.06%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.79% Government Of India (07/10/2034) Sovereign Bonds \| -	44%	₹277 Cr	2,750,000,000
6.92% Govt Stock 2039 Sovereign Bonds \| -	14%	₹91 Cr	900,000,000
Small Industries Development Bank Of India Debentures \| -	6%	₹40 Cr	4,000
National Bank For Agriculture And Rural Development Debentures \| -	6%	₹40 Cr	4,000
Rural Electrification Corporation Limited Debentures \| -	6%	₹40 Cr	4,000
Power Finance Corporation Ltd. Debentures \| -	4%	₹25 Cr	2,500
Chhattisgarh (Government of) 7.32% - \| -	3%	₹20 Cr	200,000,000 ↑ 200,000,000
Assam (Government of) 7.34% - \| -	3%	₹20 Cr	200,000,000 ↑ 200,000,000
7.1% Govt Stock 2034 Sovereign Bonds \| -	2%	₹15 Cr	150,000,000
Mankind Pharma Ltd Debentures \| -	1%	₹5 Cr	500

3. 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 7.1% 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 (04 Apr 25)	₹21.5142 ↑ 0.01 (0.06 %)
Net Assets (Cr)	₹825 on 28 Feb 25
Category	Debt - Banking & PSU Debt
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆☆
Risk	Moderate
Expense Ratio	0.55
Sharpe Ratio	0.68
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 6 Months 25 Days
Modified Duration	2 Years 2 Months 8 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,675
31 Mar 22	₹11,056
31 Mar 23	₹12,276
31 Mar 24	₹13,144
31 Mar 25	₹14,168

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 4 Apr 25

Duration	Returns
1 Month	1.4%
3 Month	2.4%
6 Month	4%
1 Year	8.1%
3 Year	8.8%
5 Year	7.3%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.6%
2022	6.7%
2021	10.3%
2020	2.8%
2019	8.9%
2018	-1%
2017	6.8%
2016	6.4%
2015	11.7%
2014	8.6%

Fund Manager information for UTI Banking & PSU Debt Fund

Name	Since	Tenure
Anurag Mittal	1 Dec 21	3.33 Yr.

Data below for UTI Banking & PSU Debt Fund as on 28 Feb 25

Asset Allocation

Asset Class	Value
Cash	3.9%
Debt	95.78%
Other	0.33%

Debt Sector Allocation

Sector	Value
Corporate	52.62%
Government	43.15%
Cash Equivalent	3.9%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.38% Govt Stock 2027 Sovereign Bonds \| -	12%	₹92 Cr	900,000,000
Axis Bank Limited Debentures \| -	7%	₹55 Cr	550
Export-Import Bank Of India Debentures \| -	6%	₹50 Cr	5,000
Small Industries Development Bank Of India Debentures \| -	6%	₹50 Cr	5,000
ICICI Bank Limited Debentures \| -	6%	₹48 Cr	500
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
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹30 Cr	3,000

4. L&T India Value Fund

To generate long-term capital appreciation from diversified portfolio of predominantly equity and equity related securities, in the Indian markets with higher focus on undervalued securities. The Scheme could also additionally invest in Foreign Securities in international markets.

L&T India Value Fund is a Equity - Value fund was launched on 8 Jan 10. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 16.3% since its launch. Ranked 4 in Value category. Return for 2024 was 25.9% , 2023 was 39.4% and 2022 was 5.2% .

Below is the key information for L&T India Value Fund

L&T India Value Fund Growth
Launch Date	8 Jan 10
NAV (04 Apr 25)	₹96.9644 ↓ -2.21 (-2.22 %)
Net Assets (Cr)	₹11,580 on 28 Feb 25
Category	Equity - Value
AMC	L&T Investment Management Ltd
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	1.77
Sharpe Ratio	-0.38
Information Ratio	1.01
Alpha Ratio	-0.26
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 Mar 20	₹10,000
31 Mar 21	₹18,444
31 Mar 22	₹23,293
31 Mar 23	₹24,451
31 Mar 24	₹36,953
31 Mar 25	₹39,739

L&T India Value Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹689,048.
Net Profit of ₹389,048 Invest Now

Returns for L&T India Value Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 4 Apr 25

Duration	Returns
1 Month	9.2%
3 Month	-8.6%
6 Month	-10.5%
1 Year	5.3%
3 Year	19.3%
5 Year	33.3%
10 Year
15 Year
Since launch	16.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	25.9%
2022	39.4%
2021	5.2%
2020	40.3%
2019	14.6%
2018	4.6%
2017	-11.4%
2016	41.3%
2015	8.1%
2014	12.9%

Fund Manager information for L&T India Value Fund

Name	Since	Tenure
Venugopal Manghat	24 Nov 12	12.27 Yr.
Gautam Bhupal	1 Oct 23	1.42 Yr.
Sonal Gupta	1 Oct 23	1.42 Yr.

Data below for L&T India Value Fund as on 28 Feb 25

Equity Sector Allocation

Sector	Value
Financial Services	30.73%
Basic Materials	14.36%
Technology	10.5%
Consumer Cyclical	9.21%
Industrials	9.14%
Consumer Defensive	6.88%
Real Estate	3.96%
Energy	3.1%
Communication Services	2.4%
Utility	2.31%
Health Care	1.83%

Asset Allocation

Asset Class	Value
Cash	5.58%
Equity	94.42%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 30 Sep 18 \| HDFCBANK	5%	₹528 Cr	3,047,100 ↑ 355,800
ICICI Bank Ltd (Financial Services) Equity, Since 30 Apr 11 \| ICICIBANK	5%	₹528 Cr	4,382,100
Multi Commodity Exchange of India Ltd (Financial Services) Equity, Since 30 Sep 23 \| MCX	3%	₹326 Cr	653,800 ↓ -144,850
Tech Mahindra Ltd (Technology) Equity, Since 30 Nov 21 \| 532755	3%	₹307 Cr	2,061,000 ↓ -223,900
Reliance Industries Ltd (Energy) Equity, Since 30 Apr 15 \| RELIANCE	3%	₹303 Cr	2,522,806
Wipro Ltd (Technology) Equity, Since 31 Jan 24 \| 507685	3%	₹301 Cr	10,851,100
The Federal Bank Ltd (Financial Services) Equity, Since 31 Oct 20 \| FEDERALBNK	2%	₹285 Cr	16,063,900
Mahindra & Mahindra Ltd (Consumer Cyclical) Equity, Since 31 Jul 20 \| M&M	2%	₹282 Cr	1,092,500 ↑ 208,800
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Oct 19 \| BHARTIARTL	2%	₹278 Cr	1,771,600
NTPC Ltd (Utilities) Equity, Since 30 Apr 22 \| 532555	2%	₹267 Cr	8,588,200 ↑ 1,005,100

5. L&T Emerging Businesses Fund

To generate long-term capital appreciation from a diversified portfolio of predominantly equity and equity related securities, including equity derivatives, in the Indian markets with key theme focus being emerging companies (small cap stocks). The Scheme could also additionally invest in Foreign Securities.

L&T Emerging Businesses Fund is a Equity - Small Cap fund was launched on 12 May 14. It is a fund with High risk and has given a CAGR/Annualized return of 20.1% since its launch. Ranked 2 in Small Cap category. Return for 2024 was 28.5% , 2023 was 46.1% and 2022 was 1% .

Below is the key information for L&T Emerging Businesses Fund

L&T Emerging Businesses Fund Growth
Launch Date	12 May 14
NAV (04 Apr 25)	₹70.8552 ↓ -2.37 (-3.24 %)
Net Assets (Cr)	₹13,334 on 28 Feb 25
Category	Equity - Small Cap
AMC	L&T Investment Management Ltd
Rating	☆☆☆☆☆
Risk	High
Expense Ratio	1.73
Sharpe Ratio	-0.4
Information Ratio	-0.11
Alpha Ratio	1.44
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 Mar 20	₹10,000
31 Mar 21	₹20,010
31 Mar 22	₹29,870
31 Mar 23	₹31,289
31 Mar 24	₹46,026
31 Mar 25	₹48,026

L&T Emerging Businesses Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹756,118.
Net Profit of ₹456,118 Invest Now

Returns for L&T Emerging Businesses Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 4 Apr 25

Duration	Returns
1 Month	9.5%
3 Month	-18.2%
6 Month	-17%
1 Year	1.1%
3 Year	17.2%
5 Year	37.6%
10 Year
15 Year
Since launch	20.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	28.5%
2022	46.1%
2021	1%
2020	77.4%
2019	15.5%
2018	-8.1%
2017	-13.7%
2016	66.5%
2015	10.2%
2014	12.3%

Fund Manager information for L&T Emerging Businesses Fund

Name	Since	Tenure
Venugopal Manghat	17 Dec 19	5.21 Yr.
Cheenu Gupta	1 Oct 23	1.42 Yr.
Sonal Gupta	1 Oct 23	1.42 Yr.

Data below for L&T Emerging Businesses Fund as on 28 Feb 25

Equity Sector Allocation

Sector	Value
Industrials	24.78%
Consumer Cyclical	15.58%
Financial Services	14.01%
Basic Materials	10.75%
Technology	9.78%
Health Care	5.55%
Real Estate	4.98%
Consumer Defensive	4.06%
Energy	1.26%

Asset Allocation

Asset Class	Value
Cash	6.91%
Equity	93.09%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Neuland Laboratories Limited Equity, Since 31 Jan 24 \| -	2%	₹310 Cr	292,479 ↓ -6,521
Aditya Birla Real Estate Ltd (Basic Materials) Equity, Since 30 Sep 22 \| 500040	2%	₹297 Cr	1,595,574
Suven Pharmaceuticals Ltd (Healthcare) Equity, Since 31 Mar 20 \| SUVENPHAR	2%	₹279 Cr	2,298,085
K.P.R. Mill Ltd (Consumer Cyclical) Equity, Since 28 Feb 15 \| KPRMILL	2%	₹263 Cr	3,286,897
BSE Ltd (Financial Services) Equity, Since 29 Feb 24 \| BSE	2%	₹257 Cr	555,021 ↓ -297,579
Time Technoplast Ltd (Consumer Cyclical) Equity, Since 31 Jan 24 \| TIMETECHNO	2%	₹243 Cr	6,810,500
Karur Vysya Bank Ltd (Financial Services) Equity, Since 31 Oct 22 \| 590003	2%	₹240 Cr	11,912,400
Brigade Enterprises Ltd (Real Estate) Equity, Since 31 Jul 19 \| 532929	2%	₹237 Cr	2,499,622
The Federal Bank Ltd (Financial Services) Equity, Since 30 Sep 22 \| FEDERALBNK	2%	₹236 Cr	13,286,579
Sumitomo Chemical India Ltd Ordinary Shares (Basic Materials) Equity, Since 31 Oct 20 \| SUMICHEM	2%	₹215 Cr	4,672,221

6. 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.

BNP Paribas Multi Cap Fund is a Equity - Multi Cap fund was launched on 15 Sep 05. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 12.9% since its launch. Ranked 18 in Multi Cap category. .

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
31 Mar 20	₹10,000
31 Mar 21	₹16,201

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 4 Apr 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
2023
2022
2021
2020
2019
2018
2017
2016
2015
2014

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

7. L&T Business Cycles Fund

To seek to generate long-term capital appreciation from a diversified portfolio of predominantly equity and equity related securities, including equity derivatives, in the Indian market with focus on riding business cycles through dynamic allocation between various sectors and stocks at different stages of business cycles in the economy

L&T Business Cycles Fund is a Equity - Sectoral fund was launched on 20 Aug 14. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 13.7% since its launch. Ranked 19 in Sectoral category. Return for 2024 was 36.3% , 2023 was 31.3% and 2022 was 5.3% .

Below is the key information for L&T Business Cycles Fund

L&T Business Cycles Fund Growth
Launch Date	20 Aug 14
NAV (04 Apr 25)	₹38.1371 ↓ -1.09 (-2.77 %)
Net Assets (Cr)	₹855 on 28 Feb 25
Category	Equity - Sectoral
AMC	L&T Investment Management Ltd
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	2.43
Sharpe Ratio	-0.21
Information Ratio	0.54
Alpha Ratio	2.8
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-18 Months (1%),18 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹17,684
31 Mar 22	₹21,100
31 Mar 23	₹22,192
31 Mar 24	₹31,871
31 Mar 25	₹36,168

L&T Business Cycles Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹642,208.
Net Profit of ₹342,208 Invest Now

Returns for L&T Business Cycles Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 4 Apr 25

Duration	Returns
1 Month	13%
3 Month	-10.3%
6 Month	-10.5%
1 Year	11%
3 Year	19.6%
5 Year	31%
10 Year
15 Year
Since launch	13.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	36.3%
2022	31.3%
2021	5.3%
2020	34.5%
2019	9.3%
2018	5.3%
2017	-17.5%
2016	45.6%
2015	3.2%
2014	3.5%

Fund Manager information for L&T Business Cycles Fund

Name	Since	Tenure
Venugopal Manghat	20 Aug 14	10.54 Yr.
Gautam Bhupal	1 Jun 23	1.75 Yr.
Sonal Gupta	1 Jun 23	1.75 Yr.

Data below for L&T Business Cycles Fund as on 28 Feb 25

Equity Sector Allocation

Sector	Value
Financial Services	32.32%
Industrials	26.49%
Consumer Cyclical	15.62%
Basic Materials	12.41%
Energy	7.28%
Technology	1.39%
Real Estate	0.94%

Asset Allocation

Asset Class	Value
Cash	2.29%
Equity	97.71%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Aug 14 \| ICICIBANK	6%	₹51 Cr	425,000
Reliance Industries Ltd (Energy) Equity, Since 31 Aug 18 \| RELIANCE	6%	₹48 Cr	401,700 ↑ 36,300
Multi Commodity Exchange of India Ltd (Financial Services) Equity, Since 31 Dec 22 \| MCX	6%	₹47 Cr	94,300
Trent Ltd (Consumer Cyclical) Equity, Since 31 Dec 16 \| 500251	5%	₹46 Cr	95,680
HDFC Bank Ltd (Financial Services) Equity, Since 31 Aug 14 \| HDFCBANK	5%	₹43 Cr	246,800 ↑ 53,500
Larsen & Toubro Ltd (Industrials) Equity, Since 31 Aug 14 \| LT	3%	₹26 Cr	81,830
Bharat Electronics Ltd (Industrials) Equity, Since 31 Dec 22 \| BEL	3%	₹25 Cr	1,000,000
Blue Star Ltd (Industrials) Equity, Since 31 Aug 14 \| BLUESTARCO	3%	₹23 Cr	119,800
Power Finance Corp Ltd (Financial Services) Equity, Since 31 Jan 24 \| 532810	3%	₹22 Cr	603,200
PB Fintech Ltd (Financial Services) Equity, Since 31 Dec 23 \| 543390	3%	₹22 Cr	149,200

8. L&T Flexi Bond Fund

To generate reasonable returns through a diversified portfolio of fixed income securities.

L&T Flexi Bond Fund is a Debt - Dynamic Bond fund was launched on 30 Aug 06. It is a fund with Moderate risk and has given a CAGR/Annualized return of 6% since its launch. Ranked 4 in Dynamic Bond category. Return for 2024 was 8.7% , 2023 was 6.5% and 2022 was 2.6% .

Below is the key information for L&T Flexi Bond Fund

L&T Flexi Bond Fund Growth
Launch Date	30 Aug 06
NAV (04 Apr 25)	₹29.426 ↑ 0.05 (0.18 %)
Net Assets (Cr)	₹158 on 31 Jan 25
Category	Debt - Dynamic Bond
AMC	L&T Investment Management Ltd
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	0.77
Sharpe Ratio	0.17
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	1,000
Exit Load	0-1 Years (0.5%),1 Years and above(NIL)
Yield to Maturity	7.1%
Effective Maturity	16 Years 11 Months 26 Days
Modified Duration	8 Years 3 Months 4 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,553
31 Mar 22	₹10,851
31 Mar 23	₹11,308
31 Mar 24	₹12,157
31 Mar 25	₹13,256

L&T Flexi Bond 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 L&T Flexi 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 4 Apr 25

Duration	Returns
1 Month	3%
3 Month	3.6%
6 Month	4.3%
1 Year	10%
3 Year	7.1%
5 Year	6.1%
10 Year
15 Year
Since launch	6%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	8.7%
2022	6.5%
2021	2.6%
2020	1%
2019	10.8%
2018	9.5%
2017	6.1%
2016	2.9%
2015	14.8%
2014	7.5%

Fund Manager information for L&T Flexi Bond Fund

Name	Since	Tenure
Shriram Ramanathan	2 Feb 15	10.08 Yr.
Mahesh Chhabria	1 May 24	0.83 Yr.

Data below for L&T Flexi Bond Fund as on 31 Jan 25

Asset Allocation

Asset Class	Value
Cash	1.05%
Debt	98.58%
Other	0.37%

Debt Sector Allocation

Sector	Value
Government	95.23%
Corporate	3.34%
Cash Equivalent	1.05%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.79% Govt Stock 2034 Sovereign Bonds \| -	29%	₹46 Cr	4,500,000
7.09% Govt Stock 2054 Sovereign Bonds \| -	17%	₹26 Cr	2,500,000
7.3% Govt Stock 2053 Sovereign Bonds \| -	17%	₹26 Cr	2,500,000
7.34% Govt Stock 2064 Sovereign Bonds \| -	10%	₹16 Cr	1,500,000
7.18% Govt Stock 2037 Sovereign Bonds \| -	10%	₹15 Cr	1,500,000
7.32% Govt Stock 2030 Sovereign Bonds \| -	7%	₹10 Cr	1,000,000 ↑ 1,000,000
National Bank For Agriculture And Rural Development Debentures \| -	6%	₹10 Cr	1,000
LIC Housing Finance Limited Debentures \| -	3%	₹5 Cr	50
CDMDF CLASS A2 Investment Fund \| -	0%	₹1 Cr	532
Treps CBLO/Reverse Repo \| -	1%	₹2 Cr

9. UTI Regular Savings Fund

(Erstwhile UTI MIS Advantage Plan)

The investment objective of the Scheme is to generate regular income through investments in fixed income securities and capital appreciation / dividend income through investment of a portion of net assets of the scheme in equity and equity related instruments so as to endeavour to make periodic income distribution to Unit holders. Income may be generated through Coupon payments, amortization of discount on debt instruments, receipt of dividends or the purchase and sale of securities in the underlying portfolio. Under normal market conditions investment will be made in fixed income securities, money market instruments,cash and cash equivalents while at the same time maintaining a limited exposure to equity markets. The Scheme will endeavor to enhance overall returns through appropriate investments upto a maximum of 25% of Net Assets into equity and equity related instruments.

UTI Regular Savings Fund is a Hybrid - Hybrid Debt fund was launched on 16 Dec 03. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 9.4% since its launch. Ranked 10 in Hybrid Debt category. Return for 2024 was 11.6% , 2023 was 11.3% and 2022 was 3.3% .

Below is the key information for UTI Regular Savings Fund

UTI Regular Savings Fund Growth
Launch Date	16 Dec 03
NAV (04 Apr 25)	₹67.0355 ↓ -0.24 (-0.36 %)
Net Assets (Cr)	₹1,610 on 28 Feb 25
Category	Hybrid - Hybrid Debt
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	1.81
Sharpe Ratio	0.24
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹12,291
31 Mar 22	₹13,785
31 Mar 23	₹14,209
31 Mar 24	₹16,186
31 Mar 25	₹17,838

UTI Regular Savings Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹415,684.
Net Profit of ₹115,684 Invest Now

Returns for UTI Regular Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 4 Apr 25

Duration	Returns
1 Month	2.8%
3 Month	0.9%
6 Month	0.3%
1 Year	10%
3 Year	9%
5 Year	12.6%
10 Year
15 Year
Since launch	9.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	11.6%
2022	11.3%
2021	3.3%
2020	13.2%
2019	10.2%
2018	2.8%
2017	3.4%
2016	12.5%
2015	8.9%
2014	7.1%

Fund Manager information for UTI Regular Savings Fund

Name	Since	Tenure
Amit Premchandani	8 Jan 22	3.23 Yr.
Jaydeep Bhowal	17 Apr 23	1.96 Yr.

Data below for UTI Regular Savings Fund as on 28 Feb 25

Asset Allocation

Asset Class	Value
Cash	3.39%
Equity	21.29%
Debt	75.04%
Other	0.28%

Equity Sector Allocation

Sector	Value
Financial Services	7.2%
Consumer Cyclical	2.55%
Technology	2.49%
Basic Materials	2.1%
Health Care	1.67%
Communication Services	1.33%
Energy	1.23%
Industrials	1.1%
Consumer Defensive	0.75%
Utility	0.56%
Real Estate	0.32%

Debt Sector Allocation

Sector	Value
Government	45.26%
Corporate	29.78%
Cash Equivalent	3.39%

Credit Quality

Rating	Value
AA	2.08%
AAA	97.92%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.1% Govt Stock 2034 Sovereign Bonds \| -	19%	₹306 Cr	3,000,000,000 ↑ 1,000,000,000
6.79% Govt Stock 2034 Sovereign Bonds \| -	9%	₹151 Cr	1,500,000,000 ↑ 1,000,000,000
7.18% Govt Stock 2033 Sovereign Bonds \| -	5%	₹77 Cr	750,000,000
Rural Electrification Corporation Limited Debentures \| -	5%	₹76 Cr	7,500
Power Finance Corporation Ltd. Debentures \| -	5%	₹76 Cr	7,500
7.23% Govt Stock 2039 Sovereign Bonds \| -	3%	₹51 Cr	500,000,000
HDFC Bank Limited Debentures \| -	3%	₹51 Cr	5,000
7.34% Govt Stock 2064 Sovereign Bonds \| -	3%	₹51 Cr	500,000,000 ↓ -500,000,000
LIC Housing Finance Limited Debentures \| -	3%	₹50 Cr	500
6.79% Govt Stock 2031 Sovereign Bonds \| -	3%	₹50 Cr	500,000,000 ↑ 500,000,000

10. L&T Tax Advantage Fund

To generate long-term capital growth from a diversified portfolio of predominantly equity and equity-related securities.

L&T Tax Advantage Fund is a Equity - ELSS fund was launched on 27 Feb 06. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 14% since its launch. Ranked 7 in ELSS category. Return for 2024 was 33% , 2023 was 28.4% and 2022 was -3% .

Below is the key information for L&T Tax Advantage Fund

L&T Tax Advantage Fund Growth
Launch Date	27 Feb 06
NAV (04 Apr 25)	₹119.227 ↓ -3.32 (-2.71 %)
Net Assets (Cr)	₹3,604 on 28 Feb 25
Category	Equity - ELSS
AMC	L&T Investment Management Ltd
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	1.89
Sharpe Ratio	0.04
Information Ratio	0.32
Alpha Ratio	7.41
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹17,157
31 Mar 22	₹20,223
31 Mar 23	₹19,900
31 Mar 24	₹27,682
31 Mar 25	₹31,345

L&T Tax Advantage Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹584,107.
Net Profit of ₹284,107 Invest Now

Returns for L&T Tax 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 4 Apr 25

Duration	Returns
1 Month	7.8%
3 Month	-10.9%
6 Month	-10%
1 Year	9.9%
3 Year	15.4%
5 Year	26.8%
10 Year
15 Year
Since launch	14%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	33%
2022	28.4%
2021	-3%
2020	30.3%
2019	13.5%
2018	4.6%
2017	-8.1%
2016	42.3%
2015	8.1%
2014	2.9%

Fund Manager information for L&T Tax Advantage Fund

Name	Since	Tenure
Gautam Bhupal	26 Nov 22	2.26 Yr.
Sonal Gupta	21 Jul 21	3.61 Yr.
Abhishek Gupta	1 Mar 24	1 Yr.

Data below for L&T Tax Advantage Fund as on 28 Feb 25

Equity Sector Allocation

Sector	Value
Financial Services	24.8%
Consumer Cyclical	19.28%
Industrials	16.35%
Technology	11.48%
Basic Materials	6.73%
Health Care	5.79%
Energy	4.26%
Consumer Defensive	3.25%
Utility	3.16%
Communication Services	2.03%
Real Estate	1.44%

Asset Allocation

Asset Class	Value
Cash	1.39%
Equity	98.61%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Mar 06 \| HDFCBANK	6%	₹201 Cr	1,162,500
ICICI Bank Ltd (Financial Services) Equity, Since 30 Jun 09 \| ICICIBANK	4%	₹139 Cr	1,155,500
Infosys Ltd (Technology) Equity, Since 31 Mar 06 \| INFY	4%	₹131 Cr	774,900
Reliance Industries Ltd (Energy) Equity, Since 30 Nov 21 \| RELIANCE	3%	₹114 Cr	951,812
Larsen & Toubro Ltd (Industrials) Equity, Since 31 Jul 22 \| LT	3%	₹95 Cr	301,450
Shriram Finance Ltd (Financial Services) Equity, Since 30 Jun 23 \| SHRIRAMFIN	2%	₹80 Cr	1,291,500
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Jan 24 \| BHARTIARTL	2%	₹73 Cr	467,000
Persistent Systems Ltd (Technology) Equity, Since 31 Jul 21 \| PERSISTENT	2%	₹71 Cr	133,000 ↓ -27,000
Zomato Ltd (Consumer Cyclical) Equity, Since 31 Oct 23 \| 543320	2%	₹70 Cr	3,150,000
State Bank of India (Financial Services) Equity, Since 31 Jan 19 \| SBIN	2%	₹68 Cr	984,432

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