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भारत में न्यूजीलैंड स्थित एनआरआई निवेश के लिए म्युचुअल फंड

Updated on September 29, 2026 , 3896 views

न्यूजीलैंड में रहने वाले अनिवासी भारतीय अपने निवेश उद्देश्यों के अनुसार कई म्यूचुअल फंड योजनाओं में निवेश कर सकते हैं। इसके अलावा, जो निवेश पोर्टफोलियो में विविधता लाना चाहता है और समय के साथ इष्टतम रिटर्न अर्जित करना चाहता है,म्यूचुअल फंड्स विचार करने के लिए एक बढ़िया विकल्प हैं।

न्यूजीलैंड में रहने वाले अनिवासी भारतीय (एनआरआई) बढ़ते घर से लाभ उठा सकते हैंअर्थव्यवस्था द्वारानिवेश भारत में म्यूचुअल फंड में। चूंकि, जब से भारत की दुनिया की छठी सबसे बड़ी अर्थव्यवस्था के रूप में घोषणा की गई थी, इसने कई एनआरआई निवेशकों का ध्यान आकर्षित किया।

परंपरागत रूप से, अनिवासी भारतीय भारत में अचल संपत्ति में निवेश करने में अधिक सहज रहे हैं। लेकिन, भारत की बढ़ती अर्थव्यवस्था ने उनके लिए विशेष रूप से म्यूचुअल फंड के लिए निवेश विकल्पों को व्यापक बना दिया है।

एनआरआई अक्सर दो मुख्य कारणों से म्यूचुअल फंड में निवेश करना पसंद करते हैं- एक यह है कि वे परोक्ष रूप से शेयरों में इक्विटी के माध्यम से भाग ले सकते हैं और दूसरा यह है कि वे इससे अधिक रिटर्न कमा सकते हैं।बैंक डेट फंडों में निवेश करके अल्पावधि के लिए बचत खाते। पोर्टफोलियो डायवर्सिफिकेशन के लिए म्यूचुअल फंड भी एक बेहतरीन विकल्प है। चूंकि म्युचुअल फंड कई प्रतिभूतियों में निवेश करते हैं, इससे जोखिम में विविधता आती है।

New-Zealand-NRI

न्यूजीलैंड में रहने वाले अनिवासी भारतीयों के लिए म्युचुअल फंड निवेश

प्रतिम्युचुअल फंड में निवेश भारत में किसी भारतीय बैंक के साथ निम्नलिखित में से कोई भी खाता खोलना चाहिए:

एनआरई खाता

यह अनिवासी बाहरी (एनआरई) खाता है जो बचत, चालू, स्थिर या के रूप में हो सकता हैआवर्ती जमा. आपको इस खाते में विदेशी मुद्रा जमा करनी होगी। भारतीय मुद्रा जमा करने में सक्षम होने के लिए, आपको एनआरओ खाता खोलना होगा। एनआरई खाते में लेनदेन राशि की कोई ऊपरी सीमा नहीं है।

एनआरओ खाता

एनआरओ या अनिवासी साधारण खाता बचत या चालू खाते के रूप में होता है जो एनआरआई के लिए उनके प्रबंधन के लिए होता है।आय भारत में अर्जित किया। एनआरओ खाते में जमा होने के बाद विदेशी मुद्रा भारतीय रुपये में परिवर्तित हो जाती है। एक एनआरओ खाता किसी अन्य एनआरआई के साथ-साथ निवासी भारतीय (करीबी रिश्तेदार) के साथ संयुक्त रूप से रखा जा सकता है।

एफसीएनआर खाता

यह विदेशी मुद्रा गैर-प्रत्यावर्तनीय खाता जमा के लिए है। इस खाते में, अनिवासी भारतीय अपना प्रेषण कर सकते हैंआय कनाडा की $, US$, यूरो, AU$, येन और पाउंड जैसी छह मुद्राओं में से एक में। अन्य एफसीएनआर या एनआरई खातों से फंड ट्रांसफर किया जा सकता है। FCNR में, मूलधन और ब्याज पर कोई टैक्स नहीं लगता है।

एक बार जब आप इनमें से कोई भी खाता खोलते हैं, तो आपको केवाईसी मानदंडों के तहत अपना केवाईसी (अपने ग्राहक को जानें) सफलतापूर्वक पूरा करना होगा, जो कि किसके द्वारा निर्धारित हैसेबी (भारतीय प्रतिभूति विनिमय बोर्ड)। कोई भी सेबी-पंजीकृत किसी भी इंटरमीडिएट के साथ अपना केवाईसी पूरा कर सकता है।

म्युचुअल फंड में निवेश करने के लिए न्यूजीलैंड के अनिवासी भारतीयों के लिए केवाईसी प्रक्रिया

अपनी केवाईसी प्रक्रिया को सफलतापूर्वक पूरा करने के लिए, न्यूजीलैंड के अनिवासी भारतीयों को कुछ महत्वपूर्ण चरणों को पूरा करने और दस्तावेज प्रस्तुत करने की आवश्यकता है जैसे:

ए। केवाईसी फॉर्म

एक एनआरआई को जमा करना होगाकेवाईसी फॉर्म सेबी पंजीकृत इंटरमीडिएट में भरे गए सभी आवश्यक विवरण के साथ। दस्तावेजों को कूरियर/डाक द्वारा इंटरमीडिएट को भेजा जा सकता है।

बी। दस्तावेज़

निम्नलिखित आवश्यक दस्तावेज हैं जिन्हें जमा करने की आवश्यकता है:

  • विदेशी पते का प्रमाण
  • भारतीय निवासी पता प्रमाण
  • हाल की एक तस्वीर
  • पासपोर्ट की कॉपी

मर्चेंट नेवी में अनिवासी भारतीयों के मामले में, एक नाविक की घोषणा या निरंतर निर्वहन प्रमाणपत्र की प्रमाणित प्रति प्रस्तुत की जानी चाहिए।

बनाम प्रमाणपत्र

एनआरआई या पीआईओ (भारतीय मूल के व्यक्ति) भारत में पंजीकृत अनुसूचित वाणिज्यिक बैंकों की विदेशी शाखाओं के अधिकृत अधिकारियों, न्यायाधीश, कोर्ट मजिस्ट्रेट, सार्वजनिक नोटरी, या देश में भारतीय दूतावास / वाणिज्य दूतावास जनरल द्वारा प्रमाणित उपरोक्त दस्तावेज प्राप्त कर सकते हैं। स्थित हैं।

डी। व्यक्तिगत सत्यापन (आईपीवी) में

सेबी के नियमों के अनुसार केवाईसी प्रक्रिया के लिए आईपीवी अनिवार्य है। इंटरमीडिएट को एनआरआई/पीआईओ के आईपीवी का संचालन करना चाहिए।

कृपया ध्यान दें कि जमा करते समय उपरोक्त सभी दस्तावेज/प्रमाण अंग्रेजी भाषा में होने चाहिए।

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अनिवासी भारतीय (एनआरआई) म्युचुअल फंड कराधान

राजधानी वित्तीय वर्ष 2017-18 (आकलन वर्ष 2018-19) के लिए एनआरआई म्यूचुअल फंड निवेश पर लाभ कर की दरें नीचे दी गई हैं:

एनआरआईम्यूचुअल फंड पर कराधान-पूंजीगत लाभ कर की दरें- वित्त वर्ष 2017/2018 (आ.व.- 2018-19)

म्यूचुअल फंड योजना के प्रकार शॉर्ट टर्म कैपिटल गेन्स (STCG) लॉन्ग टर्म कैपिटल गेन्स (LTCG)
इक्विटी फ़ंड- STCG- एक वर्ष से कम या उसके बराबर धारित इकाइयाँ, LTCG- एक वर्ष से अधिक धारित इकाइयाँ 15% शून्य
गैर-इक्विटी फंड- STCG- 3 साल या उससे कम के लिए धारित इकाइयाँ, LTCG- 3 साल से अधिक के लिए धारित इकाइयाँ व्यक्ति के अनुसारआयकर ब्रैकेट लिस्टेड फंड्स पर-20% (इंडेक्सेशन के साथ), अनलिस्टेड फंड्स- 10% (इंडेक्सेशन के बिना)

लाभांश पर म्युचुअल फंड कराधान

  • इक्विटी फंड पर लाभांशइक्विटी फंड के लिए यूनिट होल्डर के हाथ में मिलने वाला डिविडेंड पूरी तरह से टैक्स फ्री होता है। लाभांश भी कर मुक्त हैएएमसी.

  • डेट फंड पर लाभांश: एएमसी को इस लाभांश आय को अपने यूनिट-धारकों को वितरित करने से पहले 28.84% का लाभांश वितरण कर (डीडीटी) देना होगा। a . द्वारा प्राप्त लाभांश आयडेट फंड यूनिट धारक भी कर मुक्त है।

नीचे निर्धारण वर्ष 2018-19 के लिए अनिवासी भारतीयों द्वारा एमएफ मोचन पर लागू टीडीएस दर है।

म्यूचुअल फंड पर एनआरआई कराधान- पूंजीगत लाभ कर दरें- वित्त वर्ष 2017/2018 (एवाई- 2018-19)

एनआरआई और टीडीएस दर द्वारा म्युचुअल फंड मोचन एसटीसीजी और टीडीएस दर एलटीसीजी और टीडीएस दर
एमएफ योजना का प्रकार
इक्विटी ओरिएंटेड फंड 15% शून्य
ऋण निधि 30% लिस्टेड फंड्स पर- 20% (इंडेक्सेशन के साथ), अनलिस्टेड फंड्स- 10% (इंडेक्सेशन के बिना)

न्यूजीलैंड एनआरआई के लिए सर्वश्रेष्ठ म्युचुअल फंड

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2024 (%)
UTI Banking & PSU Debt Fund Growth ₹23.6075
↑ 0.01
₹1,4861.53.55.87.27.57.8
UTI Dynamic Bond Fund Growth ₹32.4107
↓ -0.02
₹4050.32.64.16.36.86
Sundaram Rural and Consumption Fund Growth ₹88.9939
↓ -1.70
₹1,516-2.77.6-9.56.68.9-0.1
BNP Paribas Multi Cap Fund Growth ₹73.5154
↓ -0.01
₹588-4.6-2.619.317.313.6
UTI Money Market Fund Growth ₹3,341.27
↑ 1.15
₹19,4681.63.66.47.36.77.5
UTI Treasury Advantage Fund Growth ₹3,828.49
↑ 0.55
₹2,3971.33.367.16.57.5
UTI Ultra Short Term Fund Growth ₹4,561
↑ 1.53
₹3,5361.53.366.766.6
UTI Short Term Income Fund Growth ₹33.6947
↓ -0.01
₹2,0300.52.94.66.867.3
UTI Gilt Fund Growth ₹65.4243
↓ -0.06
₹420-0.32.74.16.25.35.1
UTI Bond Fund Growth ₹75.9166
↓ -0.05
₹303-0.22.835.96.65.6
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 1 Oct 26

Research Highlights & Commentary of 10 Funds showcased

CommentaryUTI Banking & PSU Debt FundUTI Dynamic Bond FundSundaram Rural and Consumption FundBNP Paribas Multi Cap FundUTI Money Market FundUTI Treasury Advantage FundUTI Ultra Short Term FundUTI Short Term Income FundUTI Gilt FundUTI Bond Fund
Point 1Lower mid AUM (₹1,486 Cr).Bottom quartile AUM (₹405 Cr).Upper mid AUM (₹1,516 Cr).Lower mid AUM (₹588 Cr).Highest AUM (₹19,468 Cr).Upper mid AUM (₹2,397 Cr).Top quartile AUM (₹3,536 Cr).Upper mid AUM (₹2,030 Cr).Bottom quartile AUM (₹420 Cr).Bottom quartile AUM (₹303 Cr).
Point 2Established history (12+ yrs).Established history (16+ yrs).Established history (20+ yrs).Established history (21+ yrs).Established history (17+ yrs).Established history (19+ yrs).Established history (23+ yrs).Established history (19+ yrs).Established history (24+ yrs).Oldest track record among peers (28 yrs).
Point 3Top rated.Rating: 5★ (top quartile).Rating: 5★ (upper mid).Rating: 4★ (upper mid).Rating: 4★ (upper mid).Rating: 4★ (lower mid).Rating: 4★ (lower mid).Rating: 4★ (bottom quartile).Rating: 4★ (bottom quartile).Rating: 4★ (bottom quartile).
Point 4Risk profile: Moderate.Risk profile: Moderate.Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Low.Risk profile: Moderately Low.Risk profile: Moderately Low.Risk profile: Moderate.Risk profile: Moderate.Risk profile: Moderate.
Point 51Y return: 5.79% (upper mid).1Y return: 4.09% (bottom quartile).5Y return: 8.89% (top quartile).5Y return: 13.57% (top quartile).1Y return: 6.42% (top quartile).1Y return: 6.04% (upper mid).1Y return: 5.98% (upper mid).1Y return: 4.56% (lower mid).1Y return: 4.10% (lower mid).1Y return: 2.97% (bottom quartile).
Point 61M return: 0.48% (top quartile).1M return: -0.03% (lower mid).3Y return: 6.55% (lower mid).3Y return: 17.28% (top quartile).1M return: 0.52% (top quartile).1M return: 0.43% (upper mid).1M return: 0.48% (upper mid).1M return: 0.08% (upper mid).1M return: -0.41% (bottom quartile).1M return: -0.29% (lower mid).
Point 7Sharpe: 0.31 (upper mid).Sharpe: -0.17 (lower mid).1Y return: -9.54% (bottom quartile).1Y return: 19.34% (top quartile).Sharpe: 0.97 (top quartile).Sharpe: 0.63 (upper mid).Sharpe: 0.61 (upper mid).Sharpe: -0.23 (bottom quartile).Sharpe: 0.26 (lower mid).Sharpe: -0.43 (bottom quartile).
Point 8Information ratio: 0.00 (top quartile).Information ratio: 0.00 (top quartile).Alpha: 0.08 (top quartile).Alpha: 0.00 (upper mid).Information ratio: 0.00 (upper mid).Information ratio: 0.00 (upper mid).Information ratio: 0.00 (lower mid).Information ratio: 0.00 (lower mid).Information ratio: 0.00 (bottom quartile).Information ratio: 0.00 (bottom quartile).
Point 9Yield to maturity (debt): 6.98% (lower mid).Yield to maturity (debt): 7.36% (upper mid).Sharpe: -0.27 (bottom quartile).Sharpe: 2.86 (top quartile).Yield to maturity (debt): 6.92% (lower mid).Yield to maturity (debt): 7.25% (upper mid).Yield to maturity (debt): 7.13% (upper mid).Yield to maturity (debt): 7.50% (top quartile).Yield to maturity (debt): 6.15% (bottom quartile).Yield to maturity (debt): 7.79% (top quartile).
Point 10Modified duration: 0.59 yrs (upper mid).Modified duration: 1.89 yrs (lower mid).Information ratio: -0.71 (bottom quartile).Information ratio: 0.00 (upper mid).Modified duration: 0.46 yrs (upper mid).Modified duration: 0.74 yrs (lower mid).Modified duration: 0.44 yrs (upper mid).Modified duration: 2.25 yrs (bottom quartile).Modified duration: 3.00 yrs (bottom quartile).Modified duration: 4.10 yrs (bottom quartile).

UTI Banking & PSU Debt Fund

  • Lower mid AUM (₹1,486 Cr).
  • Established history (12+ yrs).
  • Top rated.
  • Risk profile: Moderate.
  • 1Y return: 5.79% (upper mid).
  • 1M return: 0.48% (top quartile).
  • Sharpe: 0.31 (upper mid).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 6.98% (lower mid).
  • Modified duration: 0.59 yrs (upper mid).

UTI Dynamic Bond Fund

  • Bottom quartile AUM (₹405 Cr).
  • Established history (16+ yrs).
  • Rating: 5★ (top quartile).
  • Risk profile: Moderate.
  • 1Y return: 4.09% (bottom quartile).
  • 1M return: -0.03% (lower mid).
  • Sharpe: -0.17 (lower mid).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 7.36% (upper mid).
  • Modified duration: 1.89 yrs (lower mid).

Sundaram Rural and Consumption Fund

  • Upper mid AUM (₹1,516 Cr).
  • Established history (20+ yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 8.89% (top quartile).
  • 3Y return: 6.55% (lower mid).
  • 1Y return: -9.54% (bottom quartile).
  • Alpha: 0.08 (top quartile).
  • Sharpe: -0.27 (bottom quartile).
  • Information ratio: -0.71 (bottom quartile).

BNP Paribas Multi Cap Fund

  • Lower mid AUM (₹588 Cr).
  • Established history (21+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 13.57% (top quartile).
  • 3Y return: 17.28% (top quartile).
  • 1Y return: 19.34% (top quartile).
  • Alpha: 0.00 (upper mid).
  • Sharpe: 2.86 (top quartile).
  • Information ratio: 0.00 (upper mid).

UTI Money Market Fund

  • Highest AUM (₹19,468 Cr).
  • Established history (17+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 6.42% (top quartile).
  • 1M return: 0.52% (top quartile).
  • Sharpe: 0.97 (top quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 6.92% (lower mid).
  • Modified duration: 0.46 yrs (upper mid).

UTI Treasury Advantage Fund

  • Upper mid AUM (₹2,397 Cr).
  • Established history (19+ yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: Moderately Low.
  • 1Y return: 6.04% (upper mid).
  • 1M return: 0.43% (upper mid).
  • Sharpe: 0.63 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 7.25% (upper mid).
  • Modified duration: 0.74 yrs (lower mid).

UTI Ultra Short Term Fund

  • Top quartile AUM (₹3,536 Cr).
  • Established history (23+ yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: Moderately Low.
  • 1Y return: 5.98% (upper mid).
  • 1M return: 0.48% (upper mid).
  • Sharpe: 0.61 (upper mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 7.13% (upper mid).
  • Modified duration: 0.44 yrs (upper mid).

UTI Short Term Income Fund

  • Upper mid AUM (₹2,030 Cr).
  • Established history (19+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderate.
  • 1Y return: 4.56% (lower mid).
  • 1M return: 0.08% (upper mid).
  • Sharpe: -0.23 (bottom quartile).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 7.50% (top quartile).
  • Modified duration: 2.25 yrs (bottom quartile).

UTI Gilt Fund

  • Bottom quartile AUM (₹420 Cr).
  • Established history (24+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderate.
  • 1Y return: 4.10% (lower mid).
  • 1M return: -0.41% (bottom quartile).
  • Sharpe: 0.26 (lower mid).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.15% (bottom quartile).
  • Modified duration: 3.00 yrs (bottom quartile).

UTI Bond Fund

  • Bottom quartile AUM (₹303 Cr).
  • Oldest track record among peers (28 yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderate.
  • 1Y return: 2.97% (bottom quartile).
  • 1M return: -0.29% (lower mid).
  • Sharpe: -0.43 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 7.79% (top quartile).
  • Modified duration: 4.10 yrs (bottom quartile).

1. UTI Banking & PSU Debt Fund

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

Research Highlights for UTI Banking & PSU Debt Fund

  • Lower mid AUM (₹1,486 Cr).
  • Established history (12+ yrs).
  • Top rated.
  • Risk profile: Moderate.
  • 1Y return: 5.79% (upper mid).
  • 1M return: 0.48% (top quartile).
  • Sharpe: 0.31 (upper mid).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 6.98% (lower mid).
  • Modified duration: 0.59 yrs (upper mid).
  • Average maturity: 0.62 yrs (upper mid).
  • Exit load: NIL.
  • Higher exposure to Corporate (bond sector) vs peer median.
  • Conservative stance with elevated cash (~50%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding ICICI Bank Ltd. (~5.0%).

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

UTI Banking & PSU Debt Fund
Growth
Launch Date 3 Feb 14
NAV (01 Oct 26) ₹23.6075 ↑ 0.01   (0.03 %)
Net Assets (Cr) ₹1,486 on 15 Aug 26
Category Debt - Banking & PSU Debt
AMC UTI Asset Management Company Ltd
Rating ☆☆☆☆☆
Risk Moderate
Expense Ratio 0.54
Sharpe Ratio 0.31
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.98%
Effective Maturity 7 Months 13 Days
Modified Duration 7 Months 2 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 21₹10,000
30 Sep 22₹10,915
30 Sep 23₹11,648
30 Sep 24₹12,558
30 Sep 25₹13,557
30 Sep 26₹14,342

UTI Banking & PSU Debt Fund SIP Returns

   
My Monthly Investment:
₹
Investment Tenure:
Years
Expected Annual 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 1 Oct 26

DurationReturns
1 Month 0.5%
3 Month 1.5%
6 Month 3.5%
1 Year 5.8%
3 Year 7.2%
5 Year 7.5%
10 Year
15 Year
Since launch 7%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.8%
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%
Fund Manager information for UTI Banking & PSU Debt Fund
NameSinceTenure
Anurag Mittal1 Dec 214.75 Yr.

Data below for UTI Banking & PSU Debt Fund as on 15 Aug 26

Asset Allocation
Asset ClassValue
Cash50.46%
Debt49.28%
Other0.26%
Debt Sector Allocation
SectorValue
Corporate66.9%
Government19.39%
Cash Equivalent13.45%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
ICICI Bank Ltd.
Debentures | -
5%₹72 Cr750,000,000
National Bank For Agriculture And Rural Development
Debentures | -
4%₹55 Cr5,500
Axis Bank Limited
Debentures | -
4%₹55 Cr550
7.38% Govt Stock 2027
Sovereign Bonds | -
3%₹51 Cr500,000,000
7.61% Tamilnadu SDL 2027
Sovereign Bonds | -
3%₹50 Cr500,000,000
Aditya Birla Housing Finance Limited
Debentures | -
3%₹40 Cr4,000
National Housing Bank
Debentures | -
2%₹35 Cr3,500
HDFC Bank Limited
Debentures | -
2%₹35 Cr350
Indian Railway Finance Corporation Limited
Debentures | -
2%₹30 Cr300
7.86% Karnataka Sdl 2027
Sovereign Bonds | -
2%₹25 Cr250,000,000

2. UTI Dynamic Bond Fund

The investment objective of the scheme is to generate optimal returns with adequate liquidity through active management of the portfolio, by investing in debt and money market instruments. However, there can be no assurance that the investment objective of the scheme will be realized.

Research Highlights for UTI Dynamic Bond Fund

  • Bottom quartile AUM (₹405 Cr).
  • Established history (16+ yrs).
  • Rating: 5★ (top quartile).
  • Risk profile: Moderate.
  • 1Y return: 4.09% (bottom quartile).
  • 1M return: -0.03% (lower mid).
  • Sharpe: -0.17 (lower mid).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 7.36% (upper mid).
  • Modified duration: 1.89 yrs (lower mid).
  • Average maturity: 3.19 yrs (bottom quartile).
  • Exit load: NIL.
  • Higher exposure to Government (bond sector) vs peer median.
  • Debt-heavy allocation (~81%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding 6.9% Govt Stock 2065 (~22.5%).
  • Top-3 holdings concentration ~41.4%.

Below is the key information for UTI Dynamic Bond Fund

UTI Dynamic Bond Fund
Growth
Launch Date 16 Jun 10
NAV (01 Oct 26) ₹32.4107 ↓ -0.02   (-0.06 %)
Net Assets (Cr) ₹405 on 15 Aug 26
Category Debt - Dynamic Bond
AMC UTI Asset Management Company Ltd
Rating ☆☆☆☆☆
Risk Moderate
Expense Ratio 1.55
Sharpe Ratio -0.17
Information Ratio 0
Alpha Ratio 0
Min Investment 10,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 7.36%
Effective Maturity 3 Years 2 Months 8 Days
Modified Duration 1 Year 10 Months 20 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 21₹10,000
30 Sep 22₹10,922
30 Sep 23₹11,587
30 Sep 24₹12,622
30 Sep 25₹13,354
30 Sep 26₹13,931

UTI Dynamic Bond Fund SIP Returns

   
My Monthly Investment:
₹
Investment Tenure:
Years
Expected Annual 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 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 1 Oct 26

DurationReturns
1 Month 0%
3 Month 0.3%
6 Month 2.6%
1 Year 4.1%
3 Year 6.3%
5 Year 6.8%
10 Year
15 Year
Since launch 7.5%
Historical performance (Yearly) on absolute basis
YearReturns
2024 6%
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%
Fund Manager information for UTI Dynamic Bond Fund
NameSinceTenure
Pankaj Pathak8 Apr 251.4 Yr.

Data below for UTI Dynamic Bond Fund as on 15 Aug 26

Asset Allocation
Asset ClassValue
Cash18.51%
Debt81.11%
Other0.38%
Debt Sector Allocation
SectorValue
Government40.94%
Corporate40.17%
Cash Equivalent18.51%
Credit Quality
RatingValue
AA19.71%
AAA80.29%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.9% Govt Stock 2065
Sovereign Bonds | -
23%₹90 Cr1,000,000,000
↓ -250,000,000
7.71% Govt Stock 2066
Sovereign Bonds | -
13%₹50 Cr500,000,000
↑ 500,000,000
Bharti Telecom Limited
Debentures | -
6%₹25 Cr2,500
Mahindra Rural Housing Finance Limited
Debentures | -
6%₹25 Cr2,500
Jamnagar Utilities & Power Private Limited
Debentures | -
6%₹25 Cr2,500
Can Fin Homes Limited
Debentures | -
5%₹20 Cr2,000
Cholamandalam Investment And Finance Company Limited
Debentures | -
5%₹20 Cr2,000
Torrent Pharmaceuticals Ltd
Debentures | -
5%₹20 Cr2,000
7.24% Govt Stock 2055
Sovereign Bonds | -
4%₹14 Cr150,000,000
Mankind Pharma Limited
Debentures | -
3%₹10 Cr1,000

3. Sundaram Rural and Consumption Fund

(Erstwhile Sundaram Rural India Fund)

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

Research Highlights for Sundaram Rural and Consumption Fund

  • Upper mid AUM (₹1,516 Cr).
  • Established history (20+ yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 8.89% (top quartile).
  • 3Y return: 6.55% (lower mid).
  • 1Y return: -9.54% (bottom quartile).
  • Alpha: 0.08 (top quartile).
  • Sharpe: -0.27 (bottom quartile).
  • Information ratio: -0.71 (bottom quartile).
  • Higher exposure to Consumer Cyclical vs peer median.
  • Top bond sector: Cash Equivalent.
  • Equity-heavy allocation (~98%).
  • Largest holding Eternal Ltd (~9.2%).

Below is the key information for Sundaram Rural and Consumption Fund

Sundaram Rural and Consumption Fund
Growth
Launch Date 12 May 06
NAV (01 Oct 26) ₹88.9939 ↓ -1.70   (-1.87 %)
Net Assets (Cr) ₹1,516 on 31 Aug 26
Category Equity - Sectoral
AMC Sundaram Asset Management Company Ltd
Rating ☆☆☆☆☆
Risk Moderately High
Expense Ratio 2.18
Sharpe Ratio -0.27
Information Ratio -0.71
Alpha Ratio 0.08
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.

DateValue
30 Sep 21₹10,000
30 Sep 22₹11,010
30 Sep 23₹12,659
30 Sep 24₹18,223
30 Sep 25₹16,828
30 Sep 26₹15,606

Sundaram Rural and Consumption Fund SIP Returns

   
My Monthly Investment:
₹
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹376,357.
Net Profit of ₹76,357
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 1 Oct 26

DurationReturns
1 Month -7.5%
3 Month -2.7%
6 Month 7.6%
1 Year -9.5%
3 Year 6.6%
5 Year 8.9%
10 Year
15 Year
Since launch 11.3%
Historical performance (Yearly) on absolute basis
YearReturns
2024 -0.1%
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%
Fund Manager information for Sundaram Rural and Consumption Fund
NameSinceTenure
Rohit Seksaria27 Feb 260.51 Yr.
Shalav Saket31 Dec 250.67 Yr.
Anuj Bansal27 Feb 260.51 Yr.

Data below for Sundaram Rural and Consumption Fund as on 31 Aug 26

Equity Sector Allocation
SectorValue
Consumer Cyclical47.88%
Consumer Defensive14.53%
Communication Services9.54%
Health Care7.74%
Financial Services6.34%
Industrials3.9%
Technology3.83%
Basic Materials3.08%
Asset Allocation
Asset ClassValue
Cash2.05%
Equity97.95%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Eternal Ltd (Consumer Cyclical)
Equity, Since 31 May 24 | ETERNAL
9%₹140 Cr4,263,545
Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Oct 22 | BHARTIARTL
8%₹120 Cr664,101
Mahindra & Mahindra Ltd (Consumer Cyclical)
Equity, Since 30 Apr 22 | M&M
7%₹111 Cr336,803
Apollo Hospitals Enterprise Ltd (Healthcare)
Equity, Since 31 Jul 22 | APOLLOHOSP
5%₹76 Cr85,724
Titan Co Ltd (Consumer Cyclical)
Equity, Since 29 Feb 20 | TITAN
5%₹75 Cr146,585
TVS Motor Co Ltd (Consumer Cyclical)
Equity, Since 31 Jan 25 | 532343
5%₹69 Cr157,981
Nestle India Ltd (Consumer Defensive)
Equity, Since 30 Jun 16 | NESTLEIND
4%₹65 Cr431,406
InterGlobe Aviation Ltd (Industrials)
Equity, Since 31 Dec 25 | INDIGO
4%₹59 Cr113,060
SJS Enterprises Ltd (Consumer Cyclical)
Equity, Since 31 Aug 23 | SJS
3%₹51 Cr206,726
↓ -28,481
Varun Beverages Ltd (Consumer Defensive)
Equity, Since 31 Mar 26 | VBL
3%₹46 Cr1,146,148

4. BNP Paribas Multi Cap Fund

(Erstwhile BNP Paribas Dividend Yield Fund)

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

Research Highlights for BNP Paribas Multi Cap Fund

  • Lower mid AUM (₹588 Cr).
  • Established history (21+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 13.57% (top quartile).
  • 3Y return: 17.28% (top quartile).
  • 1Y return: 19.34% (top quartile).
  • Alpha: 0.00 (upper mid).
  • Sharpe: 2.86 (top quartile).
  • Information ratio: 0.00 (upper mid).

Below is the key information for BNP Paribas Multi Cap Fund

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

Growth of 10,000 investment over the years.

DateValue

BNP Paribas Multi Cap Fund SIP Returns

   
My Monthly Investment:
₹
Investment Tenure:
Years
Expected Annual 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 1 Oct 26

DurationReturns
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
YearReturns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
Fund Manager information for BNP Paribas Multi Cap Fund
NameSinceTenure

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

Equity Sector Allocation
SectorValue
Asset Allocation
Asset ClassValue
Top Securities Holdings / Portfolio
NameHoldingValueQuantity

5. UTI Money Market Fund

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

Research Highlights for UTI Money Market Fund

  • Highest AUM (₹19,468 Cr).
  • Established history (17+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 6.42% (top quartile).
  • 1M return: 0.52% (top quartile).
  • Sharpe: 0.97 (top quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 6.92% (lower mid).
  • Modified duration: 0.46 yrs (upper mid).
  • Average maturity: 0.46 yrs (upper mid).
  • Exit load: NIL.
  • Top sector: Real Estate.
  • Top bond sector: Corporate.
  • Conservative stance with elevated cash (~87%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding India (Republic of) (~2.8%).

Below is the key information for UTI Money Market Fund

UTI Money Market Fund
Growth
Launch Date 13 Jul 09
NAV (01 Oct 26) ₹3,341.27 ↑ 1.15   (0.03 %)
Net Assets (Cr) ₹19,468 on 31 Aug 26
Category Debt - Money Market
AMC UTI Asset Management Company Ltd
Rating ☆☆☆☆
Risk Low
Expense Ratio 0.25
Sharpe Ratio 0.97
Information Ratio 0
Alpha Ratio 0
Min Investment 10,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.92%
Effective Maturity 5 Months 16 Days
Modified Duration 5 Months 16 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 21₹10,000
30 Sep 22₹10,414
30 Sep 23₹11,178
30 Sep 24₹12,035
30 Sep 25₹12,973
30 Sep 26₹13,806

UTI Money Market Fund SIP Returns

   
My Monthly Investment:
₹
Investment Tenure:
Years
Expected Annual 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 1 Oct 26

DurationReturns
1 Month 0.5%
3 Month 1.6%
6 Month 3.6%
1 Year 6.4%
3 Year 7.3%
5 Year 6.7%
10 Year
15 Year
Since launch 7.3%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.5%
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%
Fund Manager information for UTI Money Market Fund
NameSinceTenure
Anurag Mittal1 Dec 214.75 Yr.
Amit Sharma7 Jul 179.16 Yr.

Data below for UTI Money Market Fund as on 31 Aug 26

Asset Allocation
Asset ClassValue
Cash86.51%
Debt13.16%
Other0.33%
Debt Sector Allocation
SectorValue
Corporate45.42%
Cash Equivalent36.67%
Government17.58%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
India (Republic of)
- | -
3%₹489 Cr5,000,000,000
India (Republic of)
- | -
2%₹342 Cr3,500,000,000
UCO Bank
Domestic Bonds | -
1%₹237 Cr2,500,000,000
Indian Overseas Bank
Debentures | -
1%₹194 Cr2,000,000,000
Axis Bank Ltd.
Debentures | -
1%₹194 Cr2,000,000,000
Punjab & Sind Bank
Debentures | -
1%₹169 Cr1,750,000,000
AU Small Finance Bank Ltd.
Debentures | -
1%₹140 Cr1,500,000,000
HDFC Bank Ltd.
Debentures | -
1%₹97 Cr1,000,000,000
Ujjivan Small Finance Bank Limited
Debentures | -
1%₹97 Cr1,000,000,000
Axis Bank Ltd.
Debentures | -
1%₹97 Cr1,000,000,000

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.

Research Highlights for UTI Treasury Advantage Fund

  • Upper mid AUM (₹2,397 Cr).
  • Established history (19+ yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: Moderately Low.
  • 1Y return: 6.04% (upper mid).
  • 1M return: 0.43% (upper mid).
  • Sharpe: 0.63 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 7.25% (upper mid).
  • Modified duration: 0.74 yrs (lower mid).
  • Average maturity: 0.81 yrs (lower mid).
  • Exit load: NIL.
  • Top bond sector: Corporate.
  • Conservative stance with elevated cash (~39%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding Tbill (~7.3%).

Below is the key information for UTI Treasury Advantage Fund

UTI Treasury Advantage Fund
Growth
Launch Date 23 Apr 07
NAV (01 Oct 26) ₹3,828.49 ↑ 0.55   (0.01 %)
Net Assets (Cr) ₹2,397 on 15 Aug 26
Category Debt - Low Duration
AMC UTI Asset Management Company Ltd
Rating ☆☆☆☆
Risk Moderately Low
Expense Ratio 0.45
Sharpe Ratio 0.63
Information Ratio 0
Alpha Ratio 0
Min Investment 10,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 7.25%
Effective Maturity 9 Months 22 Days
Modified Duration 8 Months 26 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 21₹10,000
30 Sep 22₹10,397
30 Sep 23₹11,126
30 Sep 24₹11,970
30 Sep 25₹12,902
30 Sep 26₹13,683

UTI Treasury Advantage Fund SIP Returns

   
My Monthly Investment:
₹
Investment Tenure:
Years
Expected Annual 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 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 1 Oct 26

DurationReturns
1 Month 0.4%
3 Month 1.3%
6 Month 3.3%
1 Year 6%
3 Year 7.1%
5 Year 6.5%
10 Year
15 Year
Since launch 7.1%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.5%
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%
Fund Manager information for UTI Treasury Advantage Fund
NameSinceTenure
Anurag Mittal1 Dec 214.75 Yr.

Data below for UTI Treasury Advantage Fund as on 15 Aug 26

Asset Allocation
Asset ClassValue
Cash39.46%
Debt60.17%
Other0.37%
Debt Sector Allocation
SectorValue
Corporate62.55%
Cash Equivalent26.9%
Government10.19%
Credit Quality
RatingValue
AA12.51%
AAA87.49%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Tbill
Sovereign Bonds | -
7%₹198 Cr2,000,000,000
Rec Limited
Debentures | -
5%₹140 Cr14,000
National Bank For Agriculture And Rural Development
Debentures | -
5%₹125 Cr12,500
Mahindra Rural Housing Finance Limited
Debentures | -
4%₹100 Cr10,000
Summit Digitel Infrastructure Limited
Debentures | -
4%₹99 Cr1,000
Embassy Office Parks Reit
Debentures | -
4%₹95 Cr950
National Bank For Agriculture And Rural Development
Debentures | -
3%₹75 Cr7,500
RADHAKRISHNA SECURITISATION TRUST
Unlisted bonds | -
2%₹53 Cr55
360 One Prime Limited
Debentures | -
2%₹50 Cr500,000
Can Fin Homes Limited
Debentures | -
2%₹50 Cr5,000

7. UTI Ultra Short Term Fund

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

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

Research Highlights for UTI Ultra Short Term Fund

  • Top quartile AUM (₹3,536 Cr).
  • Established history (23+ yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: Moderately Low.
  • 1Y return: 5.98% (upper mid).
  • 1M return: 0.48% (upper mid).
  • Sharpe: 0.61 (upper mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 7.13% (upper mid).
  • Modified duration: 0.44 yrs (upper mid).
  • Average maturity: 0.56 yrs (upper mid).
  • Exit load: NIL.
  • Higher exposure to Financial Services vs peer median.
  • Top bond sector: Corporate.
  • Conservative stance with elevated cash (~68%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding 26/11/2026 Maturing 364 DTB (~5.4%).

Below is the key information for UTI Ultra Short Term Fund

UTI Ultra Short Term Fund
Growth
Launch Date 29 Aug 03
NAV (01 Oct 26) ₹4,561 ↑ 1.53   (0.03 %)
Net Assets (Cr) ₹3,536 on 15 Aug 26
Category Debt - Ultrashort Bond
AMC UTI Asset Management Company Ltd
Rating ☆☆☆☆
Risk Moderately Low
Expense Ratio 0.93
Sharpe Ratio 0.61
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 7.13%
Effective Maturity 6 Months 21 Days
Modified Duration 5 Months 8 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 21₹10,000
30 Sep 22₹10,360
30 Sep 23₹11,043
30 Sep 24₹11,830
30 Sep 25₹12,653
30 Sep 26₹13,409

UTI Ultra Short Term Fund SIP Returns

   
My Monthly Investment:
₹
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132
Invest Now

Returns for UTI Ultra Short Term Fund

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

DurationReturns
1 Month 0.5%
3 Month 1.5%
6 Month 3.3%
1 Year 6%
3 Year 6.7%
5 Year 6%
10 Year
15 Year
Since launch 6.8%
Historical performance (Yearly) on absolute basis
YearReturns
2024 6.6%
2023 7.2%
2022 6.7%
2021 4.2%
2020 6.1%
2019 5.3%
2018 3.3%
2017 7%
2016 6.6%
2015 8.9%
Fund Manager information for UTI Ultra Short Term Fund
NameSinceTenure
Anurag Mittal21 Jul 260.12 Yr.

Data below for UTI Ultra Short Term Fund as on 15 Aug 26

Asset Allocation
Asset ClassValue
Cash68.18%
Debt31.46%
Other0.36%
Debt Sector Allocation
SectorValue
Corporate58.26%
Cash Equivalent27.19%
Government14.19%
Credit Quality
RatingValue
AA27.31%
AAA72.69%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
26/11/2026 Maturing 364 DTB
Sovereign Bonds | -
5%₹198 Cr2,000,000,000
Axis Bank Ltd.
Debentures | -
4%₹146 Cr1,500,000,000
Godrej Properties Limited
Debentures | -
2%₹90 Cr9,000
Piramal Finance Limited
Debentures | -
2%₹85 Cr8,500
Nuvama Wealth Finance Limited
Debentures | -
2%₹75 Cr7,500
360 One Prime Limited
Debentures | -
2%₹75 Cr7,500
Poonawalla Fincorp Limited
Debentures | -
2%₹75 Cr7,500
Ujjivan Small Finance Bank Limited
Debentures | -
2%₹74 Cr750,000,000
Aditya Birla Renewables Limited
Debentures | -
2%₹65 Cr6,500
360 One Prime Limited
Debentures | -
1%₹50 Cr5,000

8. UTI Short Term Income Fund

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

Research Highlights for UTI Short Term Income Fund

  • Upper mid AUM (₹2,030 Cr).
  • Established history (19+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderate.
  • 1Y return: 4.56% (lower mid).
  • 1M return: 0.08% (upper mid).
  • Sharpe: -0.23 (bottom quartile).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 7.50% (top quartile).
  • Modified duration: 2.25 yrs (bottom quartile).
  • Average maturity: 2.92 yrs (lower mid).
  • Exit load: NIL.
  • Top bond sector: Corporate.
  • Debt-heavy allocation (~83%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding Export Import Bank Of India (~6.9%).

Below is the key information for UTI Short Term Income Fund

UTI Short Term Income Fund
Growth
Launch Date 19 Sep 07
NAV (01 Oct 26) ₹33.6947 ↓ -0.01   (-0.02 %)
Net Assets (Cr) ₹2,030 on 15 Aug 26
Category Debt - Short term Bond
AMC UTI Asset Management Company Ltd
Rating ☆☆☆☆
Risk Moderate
Expense Ratio 0.85
Sharpe Ratio -0.23
Information Ratio 0
Alpha Ratio 0
Min Investment 10,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 7.5%
Effective Maturity 2 Years 11 Months 1 Day
Modified Duration 2 Years 3 Months

Growth of 10,000 investment over the years.

DateValue
30 Sep 21₹10,000
30 Sep 22₹10,308
30 Sep 23₹11,002
30 Sep 24₹11,888
30 Sep 25₹12,795
30 Sep 26₹13,394

UTI Short Term Income Fund SIP Returns

   
My Monthly Investment:
₹
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132
Invest Now

Returns for UTI Short Term Income Fund

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

DurationReturns
1 Month 0.1%
3 Month 0.5%
6 Month 2.9%
1 Year 4.6%
3 Year 6.8%
5 Year 6%
10 Year
15 Year
Since launch 6.6%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.3%
2023 7.9%
2022 6.9%
2021 3.8%
2020 8.4%
2019 10.5%
2018 -3.9%
2017 6%
2016 6.1%
2015 10.1%
Fund Manager information for UTI Short Term Income Fund
NameSinceTenure
Anurag Mittal21 Jul 260.12 Yr.

Data below for UTI Short Term Income Fund as on 15 Aug 26

Asset Allocation
Asset ClassValue
Cash16.24%
Debt83.24%
Other0.52%
Debt Sector Allocation
SectorValue
Corporate61.37%
Government27.36%
Cash Equivalent10.75%
Credit Quality
RatingValue
AA14.79%
AAA85.21%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Export Import Bank Of India
Debentures | -
7%₹123 Cr12,500
Vedanta Limited
Debentures | -
5%₹98 Cr9,800
LIC Housing Finance Ltd
Debentures | -
4%₹75 Cr7,500
Poonawalla Fincorp Limited
Debentures | -
4%₹75 Cr7,500
360 One Prime Limited
Debentures | -
4%₹75 Cr7,500
Small Industries Development Bank Of India
Debentures | -
4%₹74 Cr7,500
LIC Housing Finance Ltd
Debentures | -
3%₹51 Cr500
Rec Limited
Debentures | -
3%₹51 Cr500
7.18% Govt Stock 2033
Sovereign Bonds | -
3%₹51 Cr500,000,000
National Bank For Agriculture And Rural Development
Debentures | -
3%₹50 Cr5,000

9. 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.

Research Highlights for UTI Gilt Fund

  • Bottom quartile AUM (₹420 Cr).
  • Established history (24+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderate.
  • 1Y return: 4.10% (lower mid).
  • 1M return: -0.41% (bottom quartile).
  • Sharpe: 0.26 (lower mid).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.15% (bottom quartile).
  • Modified duration: 3.00 yrs (bottom quartile).
  • Average maturity: 6.89 yrs (bottom quartile).
  • Exit load: NIL.
  • Higher exposure to Government (bond sector) vs peer median.
  • Debt-heavy allocation (~91%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding 6.9% Govt Stock 2065 (~44.3%).
  • Top-3 holdings concentration ~74.5%.

Below is the key information for UTI Gilt Fund

UTI Gilt Fund
Growth
Launch Date 21 Jan 02
NAV (01 Oct 26) ₹65.4243 ↓ -0.06   (-0.09 %)
Net Assets (Cr) ₹420 on 31 Aug 26
Category Debt - Government Bond
AMC UTI Asset Management Company Ltd
Rating ☆☆☆☆
Risk Moderate
Expense Ratio 0.92
Sharpe Ratio 0.26
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.15%
Effective Maturity 6 Years 10 Months 20 Days
Modified Duration 3 Years

Growth of 10,000 investment over the years.

DateValue
30 Sep 21₹10,000
30 Sep 22₹10,132
30 Sep 23₹10,824
30 Sep 24₹11,883
30 Sep 25₹12,409
30 Sep 26₹12,970

UTI Gilt Fund SIP Returns

   
My Monthly Investment:
₹
Investment Tenure:
Years
Expected Annual 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 1 Oct 26

DurationReturns
1 Month -0.4%
3 Month -0.3%
6 Month 2.7%
1 Year 4.1%
3 Year 6.2%
5 Year 5.3%
10 Year
15 Year
Since launch 7.9%
Historical performance (Yearly) on absolute basis
YearReturns
2024 5.1%
2023 8.9%
2022 6.7%
2021 2.9%
2020 2.3%
2019 10.3%
2018 11.8%
2017 6.3%
2016 4.3%
2015 15.5%
Fund Manager information for UTI Gilt Fund
NameSinceTenure
Pankaj Pathak8 Apr 251.4 Yr.

Data below for UTI Gilt Fund as on 31 Aug 26

Asset Allocation
Asset ClassValue
Cash9.07%
Debt90.93%
Debt Sector Allocation
SectorValue
Government90.93%
Cash Equivalent9.07%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.9% Govt Stock 2065
Sovereign Bonds | -
44%₹184 Cr2,050,000,000
↓ -50,000,000
6.79% Govt Stock 2027
Sovereign Bonds | -
18%₹75 Cr750,000,000
↓ -250,000,000
7.71% Govt Stock 2066
Sovereign Bonds | -
12%₹50 Cr500,000,000
↑ 500,000,000
7.24% Govt Stock 2055
Sovereign Bonds | -
9%₹38 Cr400,000,000
7.18% Tamilnadu SDL 2027
Sovereign Bonds | -
4%₹15 Cr150,000,000
7.3% Uttarakhand Sgs 2032
Sovereign Bonds | -
2%₹8 Cr85,730,000
7.77% Andhra Sdl 2028
Sovereign Bonds | -
1%₹5 Cr50,000,000
Day Tbill
Sovereign Bonds | -
0%₹2 Cr16,050,000
↓ -300,000,000
Net Current Assets
Net Current Assets | -
9%₹36 Cr
Clearing Corporation Of India Ltd. Std - Margin
CBLO/Reverse Repo | -
0%₹2 Cr00

10. UTI Bond Fund

(Erstwhile UTI - Bond Fund)

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

Research Highlights for UTI Bond Fund

  • Bottom quartile AUM (₹303 Cr).
  • Oldest track record among peers (28 yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderate.
  • 1Y return: 2.97% (bottom quartile).
  • 1M return: -0.29% (lower mid).
  • Sharpe: -0.43 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 7.79% (top quartile).
  • Modified duration: 4.10 yrs (bottom quartile).
  • Average maturity: 7.32 yrs (bottom quartile).
  • Exit load: NIL.
  • Top sector: Financial Services.
  • Top bond sector: Corporate.
  • Debt-heavy allocation (~92%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding Summit Digitel Infrastructure Limited (~8.2%).

Below is the key information for UTI Bond Fund

UTI Bond Fund
Growth
Launch Date 4 May 98
NAV (01 Oct 26) ₹75.9166 ↓ -0.05   (-0.07 %)
Net Assets (Cr) ₹303 on 15 Aug 26
Category Debt - Medium to Long term
AMC UTI Asset Management Company Ltd
Rating ☆☆☆☆
Risk Moderate
Expense Ratio 1.62
Sharpe Ratio -0.43
Information Ratio 0
Alpha Ratio 0
Min Investment 1,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 7.79%
Effective Maturity 7 Years 3 Months 25 Days
Modified Duration 4 Years 1 Month 6 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 21₹10,000
30 Sep 22₹10,847
30 Sep 23₹11,590
30 Sep 24₹12,607
30 Sep 25₹13,327
30 Sep 26₹13,758

UTI Bond Fund SIP Returns

   
My Monthly Investment:
₹
Investment Tenure:
Years
Expected Annual 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 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 1 Oct 26

DurationReturns
1 Month -0.3%
3 Month -0.2%
6 Month 2.8%
1 Year 3%
3 Year 5.9%
5 Year 6.6%
10 Year
15 Year
Since launch 7.4%
Historical performance (Yearly) on absolute basis
YearReturns
2024 5.6%
2023 8.5%
2022 6.4%
2021 9.9%
2020 9.4%
2019 1.1%
2018 -5.8%
2017 4%
2016 3.6%
2015 13.9%
Fund Manager information for UTI Bond Fund
NameSinceTenure
Amit Sharma3 Nov 250.83 Yr.

Data below for UTI Bond Fund as on 15 Aug 26

Asset Allocation
Asset ClassValue
Cash7.48%
Debt92.2%
Other0.32%
Debt Sector Allocation
SectorValue
Corporate59.2%
Government33%
Cash Equivalent7.48%
Credit Quality
RatingValue
AA30.15%
AAA69.85%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Summit Digitel Infrastructure Limited
Debentures | -
8%₹25 Cr250
Bajaj Housing Finance Limited
Debentures | -
8%₹25 Cr2,500
7.08% Andhra Sgs 2037
Sovereign Bonds | -
8%₹24 Cr250,000,000
SIDDHIVINAYAK SECURITISATION TRUST
Unlisted bonds | -
6%₹19 Cr20
Jtpm Metal TRaders Limited
Debentures | -
6%₹18 Cr1,700
6.9% Govt Stock 2065
Sovereign Bonds | -
6%₹18 Cr200,000,000
Piramal Finance Limited
Debentures | -
5%₹15 Cr1,500
Aditya Birla Renewables Limited
Debentures | -
5%₹15 Cr1,500
Muthoot Finance Limited
Debentures | -
5%₹15 Cr1,500
Torrent Pharmaceuticals Ltd
Debentures | -
5%₹15 Cr1,500

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