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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 February 25, 2025 , 2928 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	₹86.0944 ↓ -2.75	₹1,518	-8.9	-10.4	9.8	17.2	15.1	20.1
UTI Banking & PSU Debt Fund Growth	₹21.2058 ↑ 0.00	₹814	1.7	3.4	7.4	8.4	7.1	7.6
UTI Dynamic Bond Fund Growth	₹29.908 ↓ -0.02	₹534	1.5	3.2	7.2	8.7	8.8	8.6
L&T India Value Fund Growth	₹90.9038 ↓ -2.20	₹12,849	-13.8	-15.1	-0.3	19.3	21.1	25.9
L&T Emerging Businesses Fund Growth	₹67.1182 ↓ -1.36	₹17,386	-21.5	-21.9	-5.6	17.2	24.9	28.5
BNP Paribas Multi Cap Fund Growth	₹73.5154 ↓ -0.01	₹588	-4.6	-2.6	19.3	17.3	13.6
UTI Regular Savings Fund Growth	₹65.4259 ↓ -0.34	₹1,633	-1.3	-0.5	8.3	8.6	10.2	11.6
UTI Money Market Fund Growth	₹2,998.47 ↑ 0.44	₹17,810	1.8	3.7	7.7	6.9	6	7.7
UTI Treasury Advantage Fund Growth	₹3,445.44 ↑ 0.21	₹3,348	1.7	3.7	7.6	6.6	7.1	7.7
L&T Money Market Fund Growth	₹25.6839 ↑ 0.00	₹2,456	1.7	3.6	7.5	6.4	5.4	7.5
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 28 Feb 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 (28 Feb 25)	₹86.0944 ↓ -2.75 (-3.09 %)
Net Assets (Cr)	₹1,518 on 31 Jan 25
Category	Equity - Sectoral
AMC	Sundaram Asset Management Company Ltd
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	2.23
Sharpe Ratio	0.63
Information Ratio	-0.03
Alpha Ratio	0.8
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
29 Feb 20	₹10,000
28 Feb 21	₹11,448
28 Feb 22	₹13,007
28 Feb 23	₹13,929
29 Feb 24	₹18,860

Sundaram Rural and Consumption Fund SIP Returns

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

Returns for 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 28 Feb 25

Duration	Returns
1 Month	-2%
3 Month	-8.9%
6 Month	-10.4%
1 Year	9.8%
3 Year	17.2%
5 Year	15.1%
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	3.09 Yr.

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

Equity Sector Allocation

Sector	Value
Consumer Cyclical	43.84%
Consumer Defensive	31.91%
Communication Services	11.79%
Health Care	2.89%
Financial Services	2.6%
Real Estate	1.67%
Basic Materials	1.39%

Asset Allocation

Asset Class	Value
Cash	3.91%
Equity	96.09%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Oct 22 \| BHARTIARTL	9%	₹149 Cr	939,519
ITC Ltd (Consumer Defensive) Equity, Since 31 Jul 13 \| ITC	9%	₹145 Cr	2,991,251
Mahindra & Mahindra Ltd (Consumer Cyclical) Equity, Since 30 Apr 22 \| M&M	7%	₹105 Cr	350,492
Titan Co Ltd (Consumer Cyclical) Equity, Since 29 Feb 20 \| TITAN	6%	₹99 Cr	303,263
Zomato Ltd (Consumer Cyclical) Equity, Since 31 May 24 \| 543320	5%	₹83 Cr	3,000,962
Hindustan Unilever Ltd (Consumer Defensive) Equity, Since 30 Apr 16 \| HINDUNILVR	5%	₹81 Cr	350,212
United Spirits Ltd (Consumer Defensive) Equity, Since 31 Dec 18 \| UNITDSPR	5%	₹74 Cr	453,496
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 31 Jul 12 \| MARUTI	5%	₹73 Cr	67,306
Kalyan Jewellers India Ltd (Consumer Cyclical) Equity, Since 31 Mar 21 \| KALYANKJIL	4%	₹64 Cr	837,090
Safari Industries (India) Ltd (Consumer Cyclical) Equity, Since 28 Feb 22 \| 523025	4%	₹64 Cr	245,560

2. 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 (28 Feb 25)	₹21.2058 ↑ 0.00 (0.02 %)
Net Assets (Cr)	₹814 on 31 Jan 25
Category	Debt - Banking & PSU Debt
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆☆
Risk	Moderate
Expense Ratio	0.55
Sharpe Ratio	0.83
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
29 Feb 20	₹10,000
28 Feb 21	₹10,652
28 Feb 22	₹11,066
28 Feb 23	₹12,186
29 Feb 24	₹13,110

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 28 Feb 25

Duration	Returns
1 Month	0.6%
3 Month	1.7%
6 Month	3.4%
1 Year	7.4%
3 Year	8.4%
5 Year	7.1%
10 Year
15 Year
Since launch	7%

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	3.17 Yr.

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

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

3. 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 7.7% 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 (28 Feb 25)	₹29.908 ↓ -0.02 (-0.06 %)
Net Assets (Cr)	₹534 on 31 Jan 25
Category	Debt - Dynamic Bond
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆☆
Risk	Moderate
Expense Ratio	1.54
Sharpe Ratio	0.73
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
29 Feb 20	₹10,000
28 Feb 21	₹10,678
28 Feb 22	₹11,908
28 Feb 23	₹13,221
29 Feb 24	₹14,242

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 28 Feb 25

Duration	Returns
1 Month	0%
3 Month	1.5%
6 Month	3.2%
1 Year	7.2%
3 Year	8.7%
5 Year	8.8%
10 Year
15 Year
Since launch	7.7%

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	3.17 Yr.

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

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

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 15.9% 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 (28 Feb 25)	₹90.9038 ↓ -2.20 (-2.36 %)
Net Assets (Cr)	₹12,849 on 31 Jan 25
Category	Equity - Value
AMC	L&T Investment Management Ltd
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	1.77
Sharpe Ratio	0.5
Information Ratio	1.17
Alpha Ratio	3.07
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
29 Feb 20	₹10,000
28 Feb 21	₹13,003
28 Feb 22	₹16,060
28 Feb 23	₹17,273
29 Feb 24	₹26,667

L&T India Value Fund SIP Returns

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

Returns for 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 28 Feb 25

Duration	Returns
1 Month	-4.9%
3 Month	-13.8%
6 Month	-15.1%
1 Year	-0.3%
3 Year	19.3%
5 Year	21.1%
10 Year
15 Year
Since launch	15.9%

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	12.2 Yr.
Gautam Bhupal	1 Oct 23	1.34 Yr.
Sonal Gupta	1 Oct 23	1.34 Yr.

Data below for L&T India Value Fund as on 31 Jan 25

Equity Sector Allocation

Sector	Value
Financial Services	28.48%
Basic Materials	15.29%
Industrials	14.27%
Technology	12.18%
Consumer Cyclical	8.25%
Consumer Defensive	6.65%
Real Estate	4.64%
Energy	2.83%
Communication Services	2.07%
Utility	1.86%
Health Care	1.85%

Asset Allocation

Asset Class	Value
Cash	1.62%
Equity	98.38%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 30 Apr 11 \| ICICIBANK	4%	₹562 Cr	4,382,100
Multi Commodity Exchange of India Ltd (Financial Services) Equity, Since 30 Sep 23 \| MCX	4%	₹498 Cr	798,650
HDFC Bank Ltd (Financial Services) Equity, Since 30 Sep 18 \| HDFCBANK	4%	₹477 Cr	2,691,300
KEC International Ltd (Industrials) Equity, Since 28 Feb 17 \| 532714	3%	₹466 Cr	3,887,970
Tech Mahindra Ltd (Technology) Equity, Since 30 Nov 21 \| 532755	3%	₹390 Cr	2,284,900
The Federal Bank Ltd (Financial Services) Equity, Since 31 Oct 20 \| FEDERALBNK	2%	₹321 Cr	16,063,900
Infosys Ltd (Technology) Equity, Since 31 Dec 10 \| INFY	2%	₹320 Cr	1,702,400 ↑ 145,900
Reliance Industries Ltd (Energy) Equity, Since 30 Apr 15 \| RELIANCE	2%	₹307 Cr	2,522,806
GE Vernova T&D India Ltd (Industrials) Equity, Since 30 Apr 23 \| 522275	2%	₹306 Cr	1,472,899
Paradeep Phosphates Ltd (Basic Materials) Equity, Since 30 Sep 23 \| 543530	2%	₹296 Cr	26,832,297

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 19.5% 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 (28 Feb 25)	₹67.1182 ↓ -1.36 (-1.98 %)
Net Assets (Cr)	₹17,386 on 31 Dec 24
Category	Equity - Small Cap
AMC	L&T Investment Management Ltd
Rating	☆☆☆☆☆
Risk	High
Expense Ratio	1.73
Sharpe Ratio	1.32
Information Ratio	0.19
Alpha Ratio	3.87
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
29 Feb 20	₹10,000
28 Feb 21	₹13,360
28 Feb 22	₹19,560
28 Feb 23	₹21,407
29 Feb 24	₹32,546

L&T Emerging Businesses 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 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 28 Feb 25

Duration	Returns
1 Month	-9.8%
3 Month	-21.5%
6 Month	-21.9%
1 Year	-5.6%
3 Year	17.2%
5 Year	24.9%
10 Year
15 Year
Since launch	19.5%

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	5.13 Yr.
Cheenu Gupta	1 Oct 23	1.34 Yr.
Sonal Gupta	1 Oct 23	1.34 Yr.

Data below for L&T Emerging Businesses Fund as on 31 Dec 24

Equity Sector Allocation

Sector	Value
Industrials	30.48%
Consumer Cyclical	16.51%
Financial Services	14.26%
Technology	10.64%
Basic Materials	10.36%
Real Estate	5.3%
Health Care	4.2%
Consumer Defensive	3.21%
Energy	1.5%

Asset Allocation

Asset Class	Value
Cash	1.16%
Equity	98.84%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Apar Industries Ltd (Industrials) Equity, Since 31 Mar 17 \| APARINDS	3%	₹470 Cr	455,400
BSE Ltd (Financial Services) Equity, Since 29 Feb 24 \| BSE	3%	₹454 Cr	852,600 ↓ -31,900
Dixon Technologies (India) Ltd (Technology) Equity, Since 31 Jul 20 \| DIXON	2%	₹427 Cr	238,273
Neuland Laboratories Limited Equity, Since 31 Jan 24 \| -	2%	₹410 Cr	299,000 ↑ 17,978
Aditya Birla Real Estate Ltd (Basic Materials) Equity, Since 30 Sep 22 \| 500040	2%	₹403 Cr	1,607,279
Techno Electric & Engineering Co Ltd (Industrials) Equity, Since 31 Jan 19 \| TECHNOE	2%	₹388 Cr	2,473,042
Kirloskar Pneumatic Co Ltd (Industrials) Equity, Since 31 Aug 22 \| 505283	2%	₹376 Cr	2,444,924
KFin Technologies Ltd (Technology) Equity, Since 31 Aug 24 \| KFINTECH	2%	₹374 Cr	2,429,736 ↑ 139,336
Trent Ltd (Consumer Cyclical) Equity, Since 31 Jan 17 \| 500251	2%	₹338 Cr	474,400 ↓ -63,150
Time Technoplast Ltd (Consumer Cyclical) Equity, Since 31 Jan 24 \| TIMETECHNO	2%	₹336 Cr	6,810,500 ↑ 656,671

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
29 Feb 20	₹10,000
28 Feb 21	₹12,327
28 Feb 22	₹15,311

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 28 Feb 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. 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 9.3% 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 (28 Feb 25)	₹65.4259 ↓ -0.34 (-0.52 %)
Net Assets (Cr)	₹1,633 on 31 Jan 25
Category	Hybrid - Hybrid Debt
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	1.81
Sharpe Ratio	0.93
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
29 Feb 20	₹10,000
28 Feb 21	₹11,387
28 Feb 22	₹12,793
28 Feb 23	₹13,265
29 Feb 24	₹15,080

UTI Regular Savings Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹395,578.
Net Profit of ₹95,578 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 28 Feb 25

Duration	Returns
1 Month	-0.4%
3 Month	-1.3%
6 Month	-0.5%
1 Year	8.3%
3 Year	8.6%
5 Year	10.2%
10 Year
15 Year
Since launch	9.3%

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	3.07 Yr.
Jaydeep Bhowal	17 Apr 23	1.8 Yr.

Data below for UTI Regular Savings Fund as on 31 Jan 25

Asset Allocation

Asset Class	Value
Cash	3.73%
Equity	23.1%
Debt	72.91%
Other	0.27%

Equity Sector Allocation

Sector	Value
Financial Services	7.55%
Consumer Cyclical	2.77%
Technology	2.73%
Basic Materials	2.33%
Health Care	2.16%
Communication Services	1.42%
Energy	1.2%
Industrials	1.13%
Consumer Defensive	0.85%
Utility	0.62%
Real Estate	0.33%

Debt Sector Allocation

Sector	Value
Government	49.72%
Corporate	23.19%
Cash Equivalent	3.73%

Credit Quality

Rating	Value
AA	2.1%
AAA	97.9%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.18% Govt Stock 2037 Sovereign Bonds \| -	14%	₹231 Cr	2,250,000,000
7.18% Govt Stock 2033 Sovereign Bonds \| -	10%	₹164 Cr	1,600,000,000 ↓ -400,000,000
7.1% Govt Stock 2034 Sovereign Bonds \| -	9%	₹153 Cr	1,500,000,000
Rural Electrification Corporation Limited Debentures \| -	5%	₹77 Cr	7,500
Power Finance Corporation Ltd. Debentures \| -	5%	₹76 Cr	7,500
7.34% Govt Stock 2064 Sovereign Bonds \| -	4%	₹73 Cr	700,000,000
7.23% Govt Stock 2039 Sovereign Bonds \| -	3%	₹52 Cr	500,000,000
HDFC Bank Limited Debentures \| -	3%	₹51 Cr	5,000
LIC Housing Finance Limited Debentures \| -	3%	₹50 Cr	500
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹50 Cr	5,000

8. 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 (28 Feb 25)	₹2,998.47 ↑ 0.44 (0.01 %)
Net Assets (Cr)	₹17,810 on 31 Jan 25
Category	Debt - Money Market
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.27
Sharpe Ratio	3.51
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.51%
Effective Maturity	6 Months 1 Day
Modified Duration	6 Months 1 Day

Growth of 10,000 investment over the years.

Date	Value
29 Feb 20	₹10,000
28 Feb 21	₹10,560
28 Feb 22	₹10,970
28 Feb 23	₹11,555
29 Feb 24	₹12,438

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 28 Feb 25

Duration	Returns
1 Month	0.6%
3 Month	1.8%
6 Month	3.7%
1 Year	7.7%
3 Year	6.9%
5 Year	6%
10 Year
15 Year
Since launch	7.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.7%
2022	7.4%
2021	4.9%
2020	3.7%
2019	6%
2018	8%
2017	7.8%
2016	6.7%
2015	7.7%
2014	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 Jan 25

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

9. 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 (28 Feb 25)	₹3,445.44 ↑ 0.21 (0.01 %)
Net Assets (Cr)	₹3,348 on 31 Jan 25
Category	Debt - Low Duration
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.44
Sharpe Ratio	2.24
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.62%
Effective Maturity	11 Months 19 Days
Modified Duration	10 Months 10 Days

Growth of 10,000 investment over the years.

Date	Value
29 Feb 20	₹10,000
28 Feb 21	₹10,634
28 Feb 22	₹11,619
28 Feb 23	₹12,185
29 Feb 24	₹13,088

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 28 Feb 25

Duration	Returns
1 Month	0.6%
3 Month	1.7%
6 Month	3.7%
1 Year	7.6%
3 Year	6.6%
5 Year	7.1%
10 Year
15 Year
Since launch	7.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.7%
2022	7.1%
2021	4.5%
2020	9%
2019	7.3%
2018	-4.2%
2017	7.3%
2016	7%
2015	8.9%
2014	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 Jan 25

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

10. L&T Money Market Fund

(Erstwhile L&T Floating Rate Fund)

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, and fixed rate debt securities, Government securities and money market instruments.

L&T Money Market Fund is a Debt - Money Market fund was launched on 10 Aug 05. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.1% since its launch. Ranked 12 in Money Market category. Return for 2024 was 7.5% , 2023 was 6.9% and 2022 was 4% .

Below is the key information for L&T Money Market Fund

L&T Money Market Fund Growth
Launch Date	10 Aug 05
NAV (28 Feb 25)	₹25.6839 ↑ 0.00 (0.01 %)
Net Assets (Cr)	₹2,456 on 31 Jan 25
Category	Debt - Money Market
AMC	L&T Investment Management Ltd
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	0.56
Sharpe Ratio	2.47
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.5%
Effective Maturity	6 Months 16 Days
Modified Duration	6 Months 3 Days

Growth of 10,000 investment over the years.

Date	Value
29 Feb 20	₹10,000
28 Feb 21	₹10,479
28 Feb 22	₹10,797
28 Feb 23	₹11,280
29 Feb 24	₹12,095

L&T 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 L&T 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 28 Feb 25

Duration	Returns
1 Month	0.6%
3 Month	1.7%
6 Month	3.6%
1 Year	7.5%
3 Year	6.4%
5 Year	5.4%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.5%
2022	6.9%
2021	4%
2020	2.9%
2019	5.4%
2018	8.2%
2017	7.3%
2016	7.5%
2015	9.1%
2014	8.4%

Fund Manager information for L&T Money Market Fund

Name	Since	Tenure
Kapil Punjabi	26 Nov 22	2.18 Yr.
Shriram Ramanathan	21 Mar 20	4.87 Yr.

Data below for L&T Money Market Fund as on 31 Jan 25

Asset Allocation

Asset Class	Value
Cash	79.32%
Debt	20.44%
Other	0.24%

Debt Sector Allocation

Sector	Value
Cash Equivalent	47.84%
Corporate	41.31%
Government	10.61%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd. Debentures \| -	4%	₹118 Cr	2,500
364 DTB Sovereign Bonds \| -	4%	₹98 Cr	10,000,000 ↑ 10,000,000
182 DTB 29052025 Sovereign Bonds \| -	4%	₹98 Cr	10,000,000
Axis Bank Ltd. Debentures \| -	4%	₹98 Cr	2,000
182 DTB 10042025 Sovereign Bonds \| -	2%	₹49 Cr	5,000,000
364 DTB 09102025 Sovereign Bonds \| -	2%	₹48 Cr	5,000,000
HDFC Bank Ltd. Debentures \| -	2%	₹48 Cr	1,000 ↑ 1,000
08.32 MH Sdl 2025 Sovereign Bonds \| -	2%	₹40 Cr	4,000,000
CDMDF CLASS A2 Investment Fund \| -	0%	₹6 Cr	5,840 ↑ 1,260
364 DTB 02052024 Sovereign Bonds \| -	0%	₹5 Cr	500,000

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