UTI Mutual Fund

UTI AMC is a new generation multi-asset class asset manager of India. UTI AMC has managed assets across domestic Mutual Fund, Portfolio Management Services, International Business, Retirement Solutions, and Alternate Investment assets.

Founded in 1964, UTI is one of India’s largest and oldest mutual fund houses. It was promoted by the Government of India, Life Insurance Corporation of India (LIC), General Insurance Corporation of India (GIC), and some other leading public sector banks and financial institutions. The organisation was formed under the Reserve Bank of India (RBI) and India’s Securities & Exchange Board (SEBI).

Top 10 UTI Mutual Fund Schemes –

Fund Name
Category
Risk
1Y Returns
Rating
Fund Size (in Cr)
UTI-Mid Cap Fund Equity Very High 6.3 3 7,233
UTI-Transportation & Logistics Fund Equity Very High 31.6 - 1,971
UTI-Healthcare Fund Equity Very High -13.6 - 713
UTI-Flexi Cap Fund Equity Very High -6 4 26,503
UTI-Long Term Equity Fund Equity Very High 2.2 3 2,997
UTI-Value Opportunities Fund Equity Very High 4.9 4 6,922
UTI-CCF Investment Plan – Direct Growth Solution Oriented Very High 1.8 - 682
UTI-Core Equity Fund Equity Very High 4.8 2 1,453
UTI-Nifty Next 50 Index Fund Other Very High 6 4 2,039
UTI-Infrastructure Fund Equity Very High 8.5 2 1,499
UTI-India Consumer Fund Equity Very High 6.5 2 458
UTI-Mastershare – Direct Growth Equity Very High 0.9 4 10,570
UTI-FTI – Series XXXI-VII(1155Days Debt Moderate 3.3 - 79
UTI-FTI – Series XXXI-XII(1148Days Debt Moderate 3.3 - 56
UTI-FTI – Series XXXI-VI(1167Days Debt Moderate 3.3 - 52
UTI-FTI – Series XXXI-XIII(1127Days Debt Moderate 3.3 - 65
UTI-FTI – Series XXXI-VIII(1153Days Debt Moderate 3.3 - 165
UTI-Fixed Income Interval -Sr.II-Qrtly IV – DirGrowth Debt NA 3.3 - 3.29
UTI-FTI – Series XXX-XII(1254Days Debt Moderate 3.3 - 233
UTI-FTI – Series XXXI-X(1168Days Debt Moderate 3.3 - 37
UTI-FTI – Series XXXI-XIV(1111Days Debt Moderate 3.3 - 39
UTI-Fixed Income Interval – Half Yrly-Sr.I-DirGrowth Debt NA 3.3 - 0.75
UTI-Fixed Income Interval -Sr.II-Qrtly VII -DirGrowth Debt NA 3.3 - 3.65
UTI-Fixed Income Interval-Monthly-Sr.I-Dir Growth Debt NA 3.3 - 3.08
UTI-Fixed Income Interval-Monthly-Sr.II-DirGrowth Debt NA 3.3 - 1.92
UTI-FTI – Series XXXI-XI(1169Days Debt Moderate 3.3 - 258
UTI-FTI – Series XXXI-XV(1099Days Debt Moderate 3.3 - 36
UTI-Fixed Income Interval – Annual-Sr.II -Dir Growth Debt NA 3.3 - 3.61
UTI-Fixed Income Interval – Half Yrly-Sr.II-DirGrowth Debt NA 3.3 - 0.3
UTI-FTI – Series XXXI-II(1222Days Debt Moderate 3.3 - 165
UTI-Fixed Income Interval – Annual-Sr.IV -DirGrowth Debt NA 3.3 - 4.77
UTI-Dual Advantage FTF Sr.IV-IV(1997Days Debt Moderate 3.3 - 31
UTI-FTI – Series XXXI-IX(1168Days Debt Moderate 3.3 - 141
UTI-FTI – Series XXXII-I(1126Days Debt Moderate 3.3 - 30
UTI-FTI – Series XXXI-V(1174Days Debt Moderate 3.3 - 60
UTI-FTI – Series XXXI-IV(1204Days Debt Moderate 3.3 - 66
UTI-FTI – Series XXXII-II(1111Days Debt Moderate 3.3 - 28
UTI-Fixed Income Interval – Qrtly-Sr.III – Dir Growth Debt NA 3.3 - 3.27
UTI-Dividend Yield Fund Equity Very High -4.7 - 2,894
UTI-Nifty 50 Index Fund Other Very High 3.1 3 8,528
UTI-Hybrid Equity Fund Hybrid Very High 6.4 3 4,447
UTI-MNC Fund Equity Very High 2.1 - 2,602
UTI-CPO – Sr.VIII – IV(1996Days Hybrid Moderate 11.1 - 53
UTI-FTI – Series XXX-IX(1266Days Debt Moderate 11.1 - 77
UTI-FTI – Series XXX-X(1267Days Debt Moderate 11.1 - 84
UTI-FTI – Series XXX-VIII(1286Days Debt Moderate 11.1 - 79
UTI-FTI – Series XXX-XIV(1209Days Debt Moderate 11.1 - 122
UTI-FTI – Series XXX-XI(1246Days Debt Moderate 11.1 - 145
UTI-FTI – Series XXXI-III(1174Days Debt Moderate 11.1 - 90
UTI-FTI – Series XXX-XIII(1224Days Debt Moderate 11.1 - 124
UTI-FTI – Series XXIX-IV(1422Days Debt Moderate 11.1 - 69
UTI-Retirement Benefit Pension Plan – Direct Solution Oriented High 6.7 - 3,692
UTI-Banking and Financial Services Fund Equity Very High 7.5 2 804
UTI-Unit Linked Insurance Plan – Direct Hybrid Moderately High 2 - 5,333
UTI-Multi Asset Fund Hybrid Very High 3.6 2 885
UTI-Equity Savings Fund Hybrid Moderate 6.1 4 257
UTI-Regular Savings Fund Hybrid Moderately High 6.1 3 1,611
UTI-Dynamic Bond Fund Debt Moderately Low 19.7 3 418
UTI-Short Term Income Fund Debt Moderate 8.3 5 2,174
UTI-Treasury Advantage Fund Debt Moderately Low 8.8 5 2,856
UTI-Banking & PSU Debt Fund Debt Moderate 9.9 1 464
UTI-Corporate Bond Fund Debt Moderately Low 2.8 3 3,159
UTI-Bond Fund Debt Moderate 17.2 5 299
UTI-Ultra Short Term Fund Debt Moderate 6.9 4 2,287
UTI-Floater Fund Debt Moderately Low 3.2 - 2,017
UTI-Fixed Income Interval – Annual-Sr.I – Dir Growth Debt Low 7.4 - 22
UTI-Gilt Fund Debt Moderately Low 2 3 529
UTI-Money Market Fund Debt Moderate 4.1 4 8,163
UTI-Arbitrage Fund Hybrid Low 3.9 3 4,422
UTI-Liquid – Cash Plan – Direct Growth Debt Moderate 4 3 32,857
UTI-Fixed Income Interval – Annual-Sr.III -Dir Growth Debt NA 3.7 - 13
UTI-Overnight Fund Debt Low 3.9 3 6,909
UTI-Fixed Income Interval -Sr.II-Qrtly VI – DirGrowth Debt Low 3.9 - 13
UTI-Fixed Income Interval – Qrtly-Sr.I – Dir Growth Debt NA 3.9 - 11
UTI-Fixed Income Interval -Sr.II-Qrtly V – Dir Growth Debt NA 3.8 - 5.51
UTI-Medium Term Fund Debt Moderate 5.4 2 61
UTI-CCF Savings Plan – Direct Growth Solution Oriented High 5.5 - 4,206
UTI-Nifty Midcap 150 Quality 50 Index Fund Other Very High - - 116
UTI-FTI – Series XXXIII-I(1135Days Debt Moderate 3.2 - 147
UTI-Gilt Fund Debt Moderate - - 89
UTI-S&P BSE Sensex Index Fund Other Very High - - 126
UTI-Focused Equity Fund Equity Very High 4.2 - 2,945
UTI-Small Cap Fund Equity Very High 13.9 - 2,269
UTI-S&P BSE Low Volatility Index Fund Other Very High - - 98
UTI-Nifty200 Momentum 30 Index Fund Other Very High 1.1 - 1,939
UTI-CCF Investment Plan – (Scholarship) – Direct Solution Oriented Very High 1.8 - 682

UTI AMC is one of India’s leading domestic asset management companies with a strong investment performance record. The company offers a comprehensive product suite to cater to investors across the risk-return spectrum. The Portfolio Management Services is a leading portfolio manager, having provided customised Portfolio Management Services (PMS) to High Net Worth Individuals and Institutions for over 30 years.

Investment Strategies of UTI AMC Ltd

UTI Asset Management Company has several investment strategies across its different funds. The first strategy is an aggressive asset allocation strategy that maximises returns while minimising risk levels. It also uses an active trading strategy which allows it to take advantage of short-term price movements to maximise returns.

The second strategy that UTI Mutual fund online in India follows is a conservative asset allocation strategy that aims to preserve capital even at the expense of low returns. This strategy is best for individuals who have low-risk tolerance levels or are nearing retirement age and do not have much time left to recover from any losses they may incur.

The third strategy that UTI AMC follows is a balanced approach that aims to maximise returns while minimising risk levels. It does this by taking advantage of both long-term trends and short-term price movements to generate high returns over time. They’re committed to creating value for all stakeholders, continuous investment in enhancing people’s capabilities and acting with integrity and trust in all that they do. UTI is one of the most trusted Indian UTI mutual fund online spaces with a strong distribution network. UTI Mutual Fund is also one of the best AMC’s to work for in India.

RBI set up a UTI mutual fund to promote the habit of saving among Indian households through mutual funds. RBI also wanted to encourage healthy competition between private players & public sector organisations so that investors get better deals in terms of returns on their investments.

UTI Mutual Fund Key Information

Mutual Fund Name UTI Mutual Fund
Founded on 14th January 2003
Sponsor Name State Bank of India, Life Insurance Corporation of India, Bank of Baroda and Punjab National Bank
Trustee Company UTI Trustee Company Private Limited
Chairman and Independent Director Mr Deepak Kumar Chatterjee
Managing Director and Chief Executive Officer Mr Imtaiyazur Rahman
Executive Director and Chief Information Officer Mr Vetri Subramaniam
Board of Directors Mr Dinesh Kumar Mehrotra

Mr Flemming Madsen

Mr Narasimhan Seshadri

Mr Rajeev Kakar

Ms Dipali Sheth

Registered Office G Block BKC, GN’ Block, Bandra Kurla Complex, Bandra (E, Mumbai, Maharashtra 400051, India

CIN: U65991MH2002PLC137867

Corporate Office UTI Tower, ‘Gn’ Block, Bandra-Kurla Complex,

Bandra (East), Mumbai 400051, Maharashtra

Contact Information Tel: 022-66786640, 66786367, 66786407

Fax: 26528991,

website: https://www.utimf.com/

Registrar and Transfer Agent KFin Technologies Private Limited (Formerly known as Karvy Fintech Private Limited)

Selenium Tower B, Plot 31 & 32,

Financial District, Nanakramguda, Serilingampally Mandal,

Hyderabad – 500 032, Telangana.

Statutory Auditors Haribhakti & Co. LLP, Chartered Accountants (Registration no. 100515W)

 

UTI Mutual Fund – Top Fund Managers

Amit Sharma

Amit Sharma joined UTI in 2008 and is Vice President & Fund Manager – Debt. He has experience working in the Fund Accounting Department and has been handling the Fund Management department for 4 years.

Ankit Agarwal

Ankit Agarwal has been appointed Fund Manager; Administration of the UTI Mid Cap fund and has been working with UTI since August 2019. He has over 12 years of experience at Lehman Brothers and Barclays Wealth and served as Senior Vice President at Centrum Broking Ltd. He graduated from NIT – National Institute of Technology (B.Tech.) and holds a Post Graduate Diploma in Management (PGDM) from IIM, Bangalore.

Ritesh Nambiar

Ritesh Nambiar is currently a senior member of the credit research team for the BFSI sector and is also the Senior Vice President and Fund Manager for UTI Credit Risk Fund and Co-Fund Manager for UTI Ultra Short Term Fund and UTI Medium Term Fund. He has been associated with UTI AMC since 2008 and has 3 years of experience in fixed income research, fixed income index valuation/creation, and fixed income trading. He is a CFA Charterholder and Financial Risk Manager (FRM) from the CFA Institute and GARP. He completed his undergraduate (BMS Finance) and postgraduate (MMS Finance) in Management Studies from the University of Mumbai.

Sachin Trivedi

Sachin Trivedi is currently a Senior Vice President and Designated Head of Research and Fund Manager, Equities at UTI AMC Ltd. He is a B.com graduate from Narsee Monjee College of Commerce, Mumbai. He holds a Post Graduate Diploma in Management (MMS) from the KJ Somaiya Institute of Management Studies & Research, University of Mumbai. He also holds a CFA charter, awarded by the CFA Institute, USA. He started his career at UTI in June 2001. Sachin has 16 years of research and portfolio management experience. In research, he specialized in automotive suppliers, utilities, capital goods, and logistics.

Sharwan Kumar Goyal

Sharwan Kumar Goyal is currently employed as the Vice President and Fund Manager – Equities. He is a CFA charter holder from CFA Institute, USA, and has a Postgraduate Diploma in Management (MMS) from Welingkar Institute of Management Development & Research, Mumbai. He started his career at UTI in June 2006 and has more than 11 years of experience in risk management, equity analysis, and portfolio analysis. He is currently working as a fund manager for overseas investments.

Mr Amit Premchandani

Mr Amit Premchandani, Senior Vice President and Fund Manager-With a rich and diverse experience of over 15 years, the fund manager has research and strategic expertise across different sectors like telecommunication and NBFCs. He has worked with the banking and financial sector for JP Morgan, Deutsche Securities and Peerless Finance, respectively.

Mr Vetri Subramaniam

Mr Vetri Subramaniam, Chief Investment Officer, An extensive experience of over 26 years led to him establishing a strong governance team at Invesco. He launched many offshore funds in Japan, Mauritius and Luxembourg with his excellent track record and performance. He has worked with various firms like Kotak Mahindra, Motilal Oswal and SSKI.

Mr Amandeep Chopra

Mr Amandeep Chopra, Group President and Head of Income,  is an elite awardee for a list of awards like Best Debt Fund Manager, Best Debt Fund House and the funds under his managerial sense. He has served with the company since 1994. He has served on various committees like the Executive Investment Committee, Valuation Committee and Management Committee of the AMC. He even consults with India’s Securities & Exchange Board (SEBI).

Mr Ajay Tyagi

Mr Ajay Tyagi, Head of Equities, joined the AMC in 2000 and served different roles and responsibilities across equity research, offshore funds, and domestic onshore funds. He was awarded a series of accolades and recognition for his performance. Being an investment advisor on the panel, he has helped funds prove their mettle time and again.

How to Invest in UTI Funds?

Investing in UTI mutual funds is highly hassle-free on the 5Paisa platform. 5Paisa is one of the biggest investment platforms in the country, and you can easily add UTI and other mutual funds to your portfolio. Follow these steps and get your investment up and running:

Step 1: You need to visit 5Paisa’s official website or download 5Paisa app on your smartphone. Log in to your 5Paisa account in 3 easy steps, or log in if you don’t have an account yet.

Step 2: Search for UTI mutual fund programs and browse all available options listed under AMC.

Step 3: You can compare different investment types, funds, risks, and returns and choose the one that best suits your preferences, investment needs, and risk appetite.

Step 4: You need to choose the type of investment you want to make. You can start a SIP, a systematic investment plan where a monthly payment of the registered amount is debited from your bank account every month. You can plan it for a few years or just leave it open. The other category is making a Lumpsum investment. This is a one-time investment you make in your UTI mutual fund.

Step 5: Enter the amount you wish to invest and make the payment by clicking the Invest Now button.

Step 6: It takes 3-4 business days to process your payment, after which your investment will appear in your wallet. You can also make future investments in the same portfolio and continue adding funds.

UTI Top-Performing Funds for Investment

UTI Bond Fund

UTI Bond Fund is a medium to long-term, an open-ended fund that invests in a well-diversified portfolio of good credit quality corporate and government bonds.

This mutual fund is suitable for investors looking to take advantage of a falling interest rate environment and build their long-term debt portfolio. This fund is also for investors looking to allocate assets across different asset classes.

Fund Details:

  • Fund Type – Debt Funds
  • Inception – May 04, 1998
  • Risk Metric – Moderate
  • NAV – ₹59.2815 as of 26 Jul, 2022

Fund Facts As of 30 Jun 2022

  • Month End AuM – ₹294.33 Cr
  • Monthly Avg. AuM – ₹294.13 Cr
  • No. of Folio Accounts – 17,391
  • Minimum Investment Amount – ₹500
  • Total Expense Ratio – Direct: 1.29 , Regular: 1.62
  • Benchmark Index – CRISIL Medium to Long Duration Fund AIII Index
  • Special Facilities – Switch/STRIP/SWP/Redeem/SIP
  • Exit Load – Nil
  • Fund Managers – Amandeep Chopra

Fund Performance As of 30 June 2022

  • 3 Year 5.93%
  • 5 Years 2.77%

Returns as of 30 June 2022

  • 1 Year 15.74%
  • Since Inception, 7.61%

UTI Dynamic Bond Fund

UTI Dynamic Bond Fund is an all-season debt fund that aims to maximize returns by increasing duration in an environment of falling interest rates and to avoid capital loss by decreasing duration when interest rates rise. The objective of the plan is to maintain sufficient liquidity through active portfolio management. This fund is most suitable for investors who wish to benefit from interest rate movements along with regular returns and sufficient liquidity and who wish to distribute assets across different asset classes. Investors who wish to build their medium-term debt portfolio in an uncertain environment can also invest in this fund.

Fund Details

  • Fund Type – Debt Funds
  • Inception – 16 Jun, 2010
  • Risk Metric – Low to Moderate
  • NAV – ₹25.1823 as of 26 Jul, 2022

Fund Facts As of 30 Jun 2022

  • Month End AuM – ₹362.81 Cr
  • Monthly Avg. AuM – ₹364.27 Cr
  • No. of Folio Accounts – 6,806
  • Minimum Investment Amount – ₹500
  • Total Expense Ratio – Direct: 0.92 , Regular: 1.59
  • Benchmark Index – CRISIL Dynamic Bond Fund AIII Index
  • Special Facilities – Switch/STRIP/Redeem/SIP
  • Exit Load – Nil
  • Fund Manager – Sudhir Agrawal

Fund Performance As of 30 Jun 2022

  • 3 Year 8.91%
  • 5 Years 4.92%

Returns as of 30 Jun 2022

  • 1 Year 18.47%
  • Since Inception 7.94%

UTI Treasury Advantage Fund

UTI Treasury Advantage Fund is a low-maturity fund that invests in quality debt and money market instruments (primarily AAA / A1 + rated securities/instruments) to provide reasonable short-term returns with low volatility. The duration of the fund’s portfolio is generally between 6 and 12 months, providing a high degree of liquidity. Investors looking to park their money for a short period with an investment horizon of up to 12 months should look at this fund. This fund is best for investors seeking stable returns and short-term liquidity and who want to increase returns through other short-term savings options such as banks, FDs, postal deposits and bonds, etc. This is also for investors seeking a systematic transfer plan to risk capital-oriented schemes.

Fund Details

  • Fund Type – Debt Funds
  • Inception – April 24, 2007
  • Risk Metric – Low to Moderate
  • NAV – ₹2,885.5708 as of 26 Jul, 2022

Fund Facts As of 30 Jun 2022

  • Month End AuM – ₹2,629.75 Cr
  • Monthly Avg. AuM – ₹2,829.17 Cr
  • No. of Folio Accounts – 9,045
  • Minimum Investment Amount – ₹500
  • Total Expense Ratio – Direct: 0.32 , Regular: 0.43
  • Benchmark Index – CRISIL Low Duration Fund AI Index
  • Special Facilities – Switch/STRIP/SWP/Redeem/SIP
  • Exit Load – Nil
  • Fund Manager – Anurag Mittal

Fund Performance As of 30 Jun 2022

  • 3 Year 7.35%
  • 5 Years 4.72%

Returns as of 30 Jun 2022

  • 1 Year 8.72%
  • Since Inception 7.19%

UTI Ultra Short Term Fund

UTI Ultra Short Term Fund is a competence-oriented income fund with a diversified portfolio of money and debt market instruments that aim to generate a reasonable income. The fund is well positioned to capture movements in performance at the shorter end of the curve while maintaining a portfolio duration of between 3 and 6 months and a high degree of liquidity.

This investment is best for people seeking stable returns and short-term cash who want to increase their returns through other short-term savings opportunities such as banks, FDs, postal deposits and bonds, etc.

Fund Details

  • Fund Type – Debt Funds
  • Inception – August 29, 2003
  • Risk Metric – Low to Moderate
  • NAV – ₹3,494.7950 as of 26 Jul 2022

Fund Facts As of 30 Jun 2022

  • Month End AuM – ₹1,947.77 Cr
  • Monthly Avg. AuM – ₹1,975.98 Cr
  • No. of Folio Accounts – 57,529
  • Minimum Investment Amount – ₹500
  • Total Expense Ratio – Direct: 0.43 , Regular: 0.95
  • Benchmark Index – CRISIL Ultra Short Duration Fund BI Index
  • Special Facilities – Switch/SWP/Redeem/SIP
  • Exit Load – Nil
  • Fund Manager – Ritesh Nambiar

Fund Performance As of 30 Jun 2022

  • 3 Year 5.47%
  • 5 Years 5.23%

Returns as of 30 Jun 2022

  • 1 Year 6%
  • Since Inception 6.84%

UTI Banking & PSU Debt Fund

UTI Banking and PSU Debt Fund is an open-ended debt scheme that invests primarily in high-quality debt securities issued by banks, government agencies, public financial institutions, and municipal bonds, with a credit rating of AAA and equivalent (at the time of investment). The fund follows a roll-down strategy and the portfolio’s duration tends to decrease over time.

This is preferable for Fixed income investors with a defined investment period who wish to build their leading debt portfolio over an investment horizon of 3 to 5 years. This fund is also for Investors looking for a fund that invests in a high-quality portfolio of AAA and equivalent rated bank debt and PSUs.

Fund Details

  • Fund Type – Debt Funds
  • Inception – February 03, 2014
  • Risk Metric – Moderate
  • NAV – ₹17.8400 as of 26 Jul, 2022

Fund Facts As of 30 Jun 2022

  • Month End AuM – ₹302.61 Cr
  • Monthly Avg. AuM – ₹288.46 Cr
  • No. of Folio Accounts – 3,680
  • Minimum Investment Amount – ₹500
  • Total Expense Ratio – Direct: 0.23 , Regular: 0.31
  • Benchmark Index – CRISIL Banking and PSU Debt Index
  • Special Facilities – Switch/STRIP/SWP/Redeem/SIP
  • Exit Load – Nil
  • Fund Manager – Anurag Mittal

Fund Performance As of 30 Jun 2022

  • 3 Year 7.19%
  • 5 Years 5.37%

Returns as of 30 Jun 2022

  • 1 Year 8.59%
  • Since Inception 7.01%

UTI Arbitrage Fund

UTI Arbitrage Fund launched in June 2006 and has been around for over 15 years in various market cycles. The fund is best suitable for investors wishing to take advantage of arbitrage opportunities in equity markets and who want to invest in the medium term without directional exposure.

Fund Details:

  • Fund Type – Hybrid Funds
  • Inception – 22 Jun, 2006
  • Risk Metric – Low
  • NAV – ₹28.7211 as of 26 Jul, 2022

Fund Facts As of 30 Jun 2022

  • Month End AuM – ₹5,261 Cr
  • Monthly Avg. AuM – ₹5,438.21 Cr
  • No. of Folio Accounts – 13,776
  • Minimum Investment Amount – ₹5,000
  • Total Expense Ratio – Direct: 0.36 , Regular: 0.92
  • Benchmark Index – Nifty 50 Arbitrage Index
  • Special Facilities – Switch/STRIP/Redeem/SIP
  • Exit Load

(A) Redemption / Switch out within 21 days from the date of allotment

(i) Upto 10% of the allotted Units – NIL

(ii) Beyond 10% of the allotted Units – 0.25%

(B) Redemption / Switch out after 21 days from the date of allotment – NIL

  • Fund Managers – Amit Sharma and Sharwan Kumar Goyal

Fund Performance As of 30 Jun 2022

  • 3 Year 4.31%
  • 5 Year 5.07%

Returns as of 30 Jun 2022

  • 1 Year 3.55%
  • Since Inception 6.80%

UTI Regular Savings Fund

UTI Regular Savings Fund is a conservative hybrid fund with an AUM of Rs. 1,601 crores with an expense ratio of 1.82% for regular and 1.27% for direct plans.

The UTI Regular Savings Fund is exposed to a combination of debt and equity securities. It invests primarily in high-quality, well-researched debt securities to generate regular income while partially investing in equities to seek long-term capital appreciation. Most suitable for investors looking for a steady stream of income in the form of dividends or through a systematic withdrawal plan (SWP) and for moderate equity exposure with a relatively low overall portfolio risk Investment horizon

Fund Details

  • Fund Type – Hybrid Funds
  • Inception – December 16, 2003
  • Risk Metric – Moderately High
  • NAV – ₹51.4100 as of 26 Jul, 2022

Fund Facts As of 30 Jun 2022

  • Month End AuM – ₹1,552.94 Cr
  • Monthly Avg. AuM – ₹1,553.51 Cr
  • No. of Folio Accounts – 52,358
  • Minimum Investment Amount – ₹5,000
  • Total Expense Ratio – Direct: 1.2 , Regular: 1.8
  • Benchmark Index – Nifty 50 Hybrid Composite Debt 15:85 Index
  • Special Facilities – Switch/STRIP/SWP/Redeem/SIP
  • Exit Load

(a) Redemption/Switch out within 12 months from the date of allotment

  1. up to 10% of allotted units – NIL
  2. beyond 10% of allotted units – 1.00%

(b) After 12 months from the date of allotment – NIL

  • Fund Managers – Amandeep Chopra and Amit Premchandani

Fund Performance As of 30 Jun 2022

  • 3 Year 7.38%
  • 5 Year 6.18%

Returns as of 30 Jun 2022

  • 1 Year 5.23%
  • Since Inception 9.09%

UTI Medium Term Fund

UTI Medium Term Fund invests in a diversified portfolio of debt and money market instruments and a tactical allocation to government bonds. The plan invests primarily in corporate bonds to generate reasonable income, while capital appreciation would likely be generated by duration management. This investment is best suited for moderate risk-tolerant investors with a longer investment horizon and those wishing to build their medium-term debt portfolio Investment horizon.

Fund Details

  • Fund Type – Debt Funds
  • Inception – March 31, 2015
  • Risk Metric – Moderate
  • NAV – ₹14.9499 as of 26 Jul, 2022

Fund Facts As of 30 Jun 2022

  • Month End AuM – ₹59.60 Cr
  • Monthly Avg. AuM – ₹59.15 Cr
  • No. of Folio Accounts – 1,276
  • Minimum Investment Amount – ₹500
  • Total Expense Ratio – Direct: 1.08 , Regular: 1.59
  • Benchmark Index – CRISIL Medium Duration Fund BIII Index
  • Special Facilities – Switch/STRIP/SWP/Redeem/SIP
  • Exit Load – Redemption/Switch out

(a) within 12 months from the date of allotment

  1. up to 10% of allotted Units – NIL
  2. beyond 10% of allotted Units – 1.00%

(b) After 12 months from the date of allotment – NIL

  • Fund Manager – Ritesh Nambiar

Fund Performance As of 30 Jun 2022

  • 3 Year 3.14%
  • 5 Year 4.00%

Returns as of 30 Jun 2022

  • 1 Year 4.77%
  • Since Inception 5.60%

UTI Overnight Fund

UTI OVERNIGHT FUND is mainly for investors who wish to guarantee liquidity and be ready for emergencies which can view this fund. It is for people looking for an alternative way to park their passive excess funds and for a high degree of liquidity for their investment horizon.

Fund Details

  • Fund Type – Overnight & Liquid Funds
  • Inception – November 24, 2003
  • Risk Metric – Low
  • NAV – ₹2,921.7527 as of 26 Jul, 2022

Fund Facts As of 30 Jun 2022

  • Month End AuM – ₹5,932.67 Cr
  • Monthly Avg. AuM – ₹9,115.70 Cr
  • No. of Folio Accounts – 9,029
  • Minimum Investment Amount – ₹500
  • Total Expense Ratio – Direct: 0.07 , Regular: 0.12
  • Benchmark Index – CRISIL Overnight Fund AI Index
  • Special Facilities – Switch/STRIP/SWP/Redeem/SIP
  • Exit Load – Nil
  • Fund Manager – Amit Sharma

Fund Performance As of 30 Jun 2022

  • 3 Year 3.63%
  • 5 Year 4.42%

Returns as of 30 Jun 2022

  • 1 Year 3.43%
  • Since Inception 5.91%

UTI Liquid Cash Plan

UTI Liquid Cash Plan invests primarily in high-value debt and money market instruments with maturities of less than 91 days. Investments are made in issuers generally rated A1 + or equivalent to minimize risk and generate a reasonable income. Best suited for investors looking for an alternative way to park their excess funds in checking/savings accounts or looking for a high degree of liquidity for their investments. This is also for investors seeking a systematic transfer plan to capital-oriented programs.

Fund Details

  • Fund Type – Overnight & Liquid Funds
  • Inception – December 10, 2003
  • Risk Metric – Moderate
  • NAV – ₹3,512.3874 as of 26 Jul, 2022

Fund Facts As of 30 Jun 2022

  • Month End AuM – ₹27,586.41 Cr
  • Monthly Avg. AuM – ₹31,119.02 Cr
  • No. of Folio Accounts – 33,211
  • Minimum Investment Amount – ₹500
  • Total Expense Ratio – Direct: 0.15 , Regular: 0.24
  • Benchmark Index – CRISIL Liquid Fund AI Index
  • Special Facilities – Switch/SWP/Redeem
  • Exit Load

Exit load as % of NAV

  1. 0.0070% within day 1
  2. 0.0065% within day 2
  3. 0.0060% within day 3
  4. 0.0055% within day 4
  5. 0.0050% within day 5
  6. 0.0045% on day 6
  7. Nil from day 7
  • Fund Managers – Amit Sharma and Amandeep Chopra

Fund Performance As of 30 Jun 2022

  • 3 Years – 4.09%
  • 5 Years – 5.33%

Returns as of 30 Jun 2022

  • 1 Year 3.58%
  • Since Inception 6.98%

Frequently Asked Questions

The Pause function offered in SIPs by UTIs is to review their financial plans instead of cancelling them. The ‘Pause’ feature of SIP helps the investor temporarily stop their SIP debits for a few months and resume their systematic investments whenever feasible. The pause function is available in all SIP-eligible systems except UTI ULIP.

Investors should have the following electronic copies ready before starting the digital KYC process

  1. PAN copy self-confirmed as ID.
  2. Any of these documents, e.g. Aadhaar card / Driver’s license / Voter ID / Passport / Aadhaar offline (downloaded within 3 days / Aadhaar Digilocker as proof of address.
  3. Copy of cancelled check with name according to your ID or proof of address. d. Image of your signature on plain paper.
  4. Small videos of self, made using a camera

Once the redemption request is submitted within the time limit, the fund house will process and confirm the transaction within one business day. Redemption proceeds will then be credited to your registered bank account after appropriate deductions like STT and stamp duty.

UTI Mutual Fund/UTI AMC may terminate the Facility/Website/Chatbot/App at any time by notifying the User of the termination for any reason UTI Mutual Fund/UTI AMC considers in its sole discretion.

The first scheme introduced by UTI was Unit Scheme in 1964. By the end of 1988, UTIs had Rs. 6,700 crore in assets under management.

‘UTIMF’ means the UTI Mutual Fund, a trust under the Indian Trust Act of 1882, registered with SEBI under registration number MF/048/03/01 as of 14 Jan 2003.

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