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UTI Mutual Fund is the oldest and one of the largest mutual funds in India with over 10 million investor accounts under its 230 domestic schemes and plans. The parent company UTI Asset Management Company was launched in 1963. It has a nationwide distribution network spread across the country via over 47,000 highly trained Independent Financial Advisors, 320 Chief Agents and Business Development Associates and over 1 crore investor accounts through 150 Financial Centres.

What are Mutual Funds?

Mutual Funds is a large collective of funds invested by a number of investors with a common goal. This fund is managed by a Fund Manager, who invests the fund in equities, bonds, money market instruments and/or other securities. Each investor is allocated units which is nothing but a portion of the holdings of the fund based on the amount they invested. The profit/gains from the collective investment is distributed proportionately amongst the investors after deducting certain expenses, by calculating a scheme’s Net Asset Value or NAV.

Mutual Funds are ideal for people who would like to invest in the stock/share market but are not very knowledgeable about them. Through mutual funds they are able to take advantage of the stock market through fund managers who will do the managing part for them. It also comes with various advantages for the common man looking for higher returns on their investments

  • Investors get professional Fund Managers who have better expertise at managing the funds
  • Mutual funds earn higher returns when invested for a longer period, which enables investors to plan for long term goals like marriage, higher education, home purchase, etc.
  • Offers diversification of funds by investing in various stocks at the same time
  • Lower risk factor than holding stocks of a single entity
  • Higher returns compared to traditional investments like FD or RD


UTI Mutual Funds comes from one of the oldest mutual fund houses in the country. They bring a rich cache of expertise and knowledge in the mutual fund industry in order to give high quality service to their customers.

  • Most trusted mutual fund company providing consistently performing funds for the past many decades
  • Has experienced many economic turbulence through the years and have come out of all of them with high resilience
  • Have been a key contributor to the economic and industrial progress of the country through transformative initiatives like developmental financial institutions, rural outreach programs and financial products and services
  • Have various fund management services under domestic mutual fund, Portfolio Management Services, International business, Retirement Solutions, Venture Funds and Alternative Investment assets
  • A wide portfolio of funds to suit individual needs supported by industry-led best practices, long-term vision, and shareholder values
  • Superior customer support through 150 branches, 47,000 highly trained IFAs, 320 Chief Agents and Business Development Associates

UTI Mutual Fund plans are bought for different needs of the customers. Customers usually invest in Mutual Funds for the following reasons –

  • Long term income planning
  • Tax saving
  • Wealth accumulation
  • Child future
  • Investment cum insurance
  • Retirement planning

UTI offers different mutual fund plans investing in the following market instruments –

  • Equity Funds
  • Debt Funds
  • Hybrid Funds
  • Overnight & Liquid Funds
  • ETFs

Let us have a look at the snapshot of the different funds offered by UTI

UTI Gold Exchange Traded Fund

Fund TypeAn Open Ended Exchange Traded Fund, will passively track the performance Gold Bullion
Investment ObjectiveThe investment objective of the fund is to endeavour to provide returns that, before expenses, closely track the performance and yield of Gold.
Ideal ForInvestors looking to have a passive management strategy in their core equity portfolio. Investors looking to invest and transact into mutual funds during the trading hours of the day with the real-time NAV Investment Horizon. Ideal for investment with a time horizon of preferably, 3 years or above
Launch DateApril 17, 2007
BenchmarkDomestic Price of Gold
Investment RatioNA
Risk RatingModerately High
Monthly Average AUMRs. 364.34 Crores
Plan TypesRegular Growth
Min. Initial InvestmentRs. 20,000
Min. SIP InvestmentNA
Entry LoadNA
Exit Load (both plans)NA
Special FacilitiesNA
Returns as of July 31, 2019

1 Year - 19.45%

3 Year - 2.8%

UTI Gilt Fund

Fund TypeDebt: Gilt
Investment ObjectiveThe investment objective of the scheme is 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.
Ideal ForInvestors who have moderate risk appetite with a longer investment horizon. Investors looking for capital appreciation in a falling interest rate environment. Investors seeking to build their long term debt portfolio
Launch DateJanuary 21, 2002
BenchmarkCRISIL Dynamic Gilt
Risk RatingModerate
Monthly Average AUMRs. 537.97 Cr
Plan Types

Regular - Growth/Dividend Quarterly

Direct - Growth/Dividend Quarterly

Expense RatioDirect: 0.61, Regular: 0.93
Min. Initial InvestmentRs. 5,000
Min. SWP WithdrawalRs. 1,000
Exit Load (both plans)NIL
Special FacilitiesSWP/SIP/Switch/Redeem
Returns as of July 31, 2019

1 Year - 15.38%

3 Year - 9.69%

UTI Money Market Fund

Fund TypeDebt: Money Market Fund
Investment ObjectiveThe investment objective of the scheme is to generate reasonable income with high level of liquidity by investing in a portfolio of money market instruments. Well diversified portfolio of money market instruments aiming to provide stable returns with low volatility over the short term. Probability of capital erosion is low and Interest rate risk is sought to be minimized by maintaining a low duration.
Ideal ForInvestors looking for an alternate avenue to park their surplus funds lying idle in savings/ current accounts. Investors looking towards steady returns and liquidity over the near to short term. Investors who are looking for systematic transfer plan to equity oriented schemes
Launch DateJuly 10, 2009
BenchmarkCRISIL Money Market Index
Risk RatingModerately Low
Monthly Average AUMRs. 6,327.76 Cr
Plan Types

Regular - Growth/Flexi Dividend

Direct - Growth/Flexi Dividend

Expense RatioDirect: 0.17, Regular: 0.26
Min. Initial InvestmentRs. 10,000
Minimum SWP Withdrawal Rs. 1000
Exit Load (both plans)NIL
Special FacilitiesSIP/Switch/Redeem
Returns as of July 31, 2019

1 Year - 8.57%

3 Year - 7.48%

UTI Liquid Cash Plan

Fund TypeOvernight & Liquid Fund
Investment ObjectiveThe fund aims to generate steady & reasonable income with high quality low risk portfolio. Ability to invest money even for a single day as the portfolio provides high liquidity. Well diversified portfolio of high quality debt & money market instruments with maturity less than 91 days to reduce probability of capital loss & volatility
Ideal ForInvestors looking for an alternate avenue to park their surplus funds lying idle in savings/ current accounts. Investors looking for high level of liquidity for their investments. Investors who are looking for systematic transfer plan to equity oriented schemes
Launch DateDecember 10, 2003
BenchmarkCrisil Liquid Fund Index
Risk RatingLow
Monthly Average AUMRs. 44,860.42 Cr
Plan Types

Regular - Growth/Flexi Dividend

Direct - Growth/Flexi Dividend

Expense RatioDirect: 0.17, Regular: 0.23
Min. Initial InvestmentRs. 500
Minimum SWP Withdrawal Rs. 1000
Exit Load (both plans)NIL
Special FacilitiesSWP/Switch/STRIP/Redeem
Returns as of July 31, 2019

1 Year - 7.46%

3 Year - 7.1%

UTI Medium Term Fund

Fund TypeDebt - Medium Term Fund
Investment ObjectiveThe investment objective of the scheme is to generate reasonable income by investing in debt & money market securities such that the Macaulay duration of the portfolio is between 3 to 4 years.
Ideal ForInvestors who have moderate risk appetite with a longer investment horizon. Investors seeking to build their medium term debt portfolio
Launch DateMarch 31, 2015
BenchmarkCRISIL Medium Term Debt Index
Risk RatingModerate
Monthly Average AUMRs. 320.06 Cr
Plan Types

Regular - Growth/Flexi Dividend

Direct - Growth/Flexi Dividend

Expense RatioDirect: 1.14, Regular: 1.61
Min. Initial InvestmentRs. 5000
Minimum SWP Withdrawal Rs. 500
Exit Load (both plans)

For Redemption/Switch out within 12 months from the date of allotment –

i. up to 10% of allotted units - NIL

ii. beyond 10% of allotted units - 1.00%

For Redemption/Switch after 12 months from the date of allotment – NIL

Special FacilitiesSWP/SIP/Switch/STRIP/Redeem
Returns as of July 31, 2019

1 Year - 7.13%

3 Year - 7.19%

UTI Arbitrage Fund

Fund TypeHybrid - Arbitrage Fund
Investment ObjectiveThe objective of the scheme is to generate capital appreciation through arbitrage opportunities between cash and derivative market and arbitrage opportunities within the derivative segment and by deployment of surplus cash in debt securities and money market instruments.
Ideal ForInvestors looking to take advantage of the arbitrage opportunities in the equity markets. Investors looking to invest on a medium term basis without a directional exposure
Launch DateJune 22, 2006
BenchmarkCRISIL Arbitrage Index
Risk RatingModerately Low
Monthly Average AUMRs. 1,988.57 Cr
Plan Types

Regular - Growth/Dividend

Direct - Growth/Dividend

Expense RatioDirect: 0.34, Regular: 0.82
Min. Initial InvestmentRs. 5000
Minimum SIP InvestmentRs. 500
Exit Load (both plans)

For Redemption/Switch out within 12 months from the date of allotment –

i. up to 10% of allotted units - NIL

ii. beyond 10% of allotted units - 1.00%

For Redemption/Switch after 12 months from the date of allotment – NIL

Special FacilitiesSIP/Switch/STRIP/Redeem
Returns as of July 31, 2019

1 Year - 6.68%

3 Year - 6.58%

UTI Overnight Fund

Fund TypeDebt - Overnight Fund
Investment ObjectiveThe investment objective of the scheme is to generate reasonable income, with low risk and high level of liquidity from a portfolio of overnight securities having a maturity of one day.
Ideal ForInvestors looking for an alternate avenue to park their surplus funds lying idle. Investors looking for high level of liquidity for their investments
Launch DateNovember 24, 2003
BenchmarkCRISIL Overnight Index
Risk RatingLow
Monthly Average AUMRs. 1,228.17 Cr
Plan Types

Regular - Growth/ Dividend Daily

Direct - Growth/Dividend Daily

Expense RatioDirect: 0.1, Regular: 0.17
Min. Initial InvestmentRs. 1000
Minimum SIP Investment-
Exit Load (both plans)NIL
Special FacilitiesSWP/SIP/Switch/STRIP/Redeem
Returns as of July 31, 2019

1 Year 6.22 %

3 Year 6.16 %

UTI Ultra Short Term Fund

Fund TypeAn open ended ultra-short term debt scheme investing in instruments such that the Macaulay duration of the portfolio is between 3 months and 6 months
Investment ObjectiveTo 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.
Ideal ForInvestors looking towards steady returns and liquidity over the near to short term. Investors looking to augment their returns from other short term savings avenues like banks, FDs, post office deposits and bonds etc. Investors who are looking for systematic transfer plan to equity oriented schemes
Launch DateAugust 29, 2003
BenchmarkCRISIL Ultra Short Term Debt Index
Risk RatingModerately Low
Monthly Average AUMRs. 3,216.92 Cr
Plan Types

tdRegular - Growth/ Flexi Dividend

Direct - Growth/Flexi Dividend

Expense RatioDirect: 0.38, Regular: 0.96
Min. Initial InvestmentRs. 5,000
Minimum SWP WithdrawalRs.500
Exit Load (both plans)

Exit load as a % of NAV

i. 3% within 3 months

ii. 2% between 3 to 6 months

iii. 1% between 6 to 12 months

iv. Nil after 12 months

Special FacilitiesSWP/SIP/Switch/Redeem
Returns as of July 31, 2019

1 Year 3.47%

3 Year 5.81%

UTI Credit Risk Fund

Fund TypeAn open ended debt scheme predominantly investing in AA and below rated corporate bonds (excluding AA+ rated corporate bonds)
Investment ObjectiveThe investment objective of the scheme is to generate reasonable income and capital appreciation by investing a minimum of 65% of total assets in AA and below rated corporate bonds (excluding AA+ rated corporate bonds)
Ideal ForInvestors who have moderate risk appetite with a longer investment horizon. Investors seeking to build their long term debt portfolio
Launch DateNovember 19, 2012
BenchmarkCRISIL Short Term Bond Fund Index
Risk RatingModerate
Monthly Average AUMRs. 3,937.49 Cr
Plan Types

Regular - Growth/Flexi Dividend

Direct - Growth/Flexi Dividend

Expense RatioDirect: 0.7, Regular: 1.6
Min. Initial InvestmentRs. 5,000
Minimum SWP WithdrawalRs.500
Exit Load (both plans)

For Redemption/Switch out within 12 months from the date of allotment –

i. up to 10% of allotted Units - NIL

ii. beyond 10% of allotted Units - 1.00 %

For Redemption/Switch after 12 months from the date of allotment - NIL

Special FacilitiesSWP/SIP/Switch/STRIP/Redeem
Returns as of July 31, 2019

1 Year 2.6%

3 Year 5.57%

UTI Banking & PSU Debt Fund

Fund TypeAn open ended debt scheme predominantly investing in debt instruments of Banks, Public Sector Undertakings, Public Financial Institutions and Municipal Bonds
Investment ObjectiveThe investment objective of the scheme is to generate reasonable income, with low risk and high level of liquidity from a portfolio of predominantly debt & money market securities by Banks, Public Sector Undertakings (PSUs), Public Financial Institutions (PFIs) and Municipal Bonds.
Ideal ForInvestors who want to build their core debt portfolio for the short to medium term investment horizon. Investors looking towards steady returns and liquidity over short term. Investors who are not satisfied with the returns from conventional fixed income avenues like Bank deposit, Bonds etc. Investors seeking to do asset allocation across various asset classes
Launch DateFebruary 03, 2014
BenchmarkCRISIL Banking and PSU Debt Index
Risk RatingModerate
Monthly Average AUMRs. 171.67 Cr
Plan Types

Regular - Growth/Flexi Dividend

Direct - Growth/Flexi Dividend

Expense RatioDirect: 0.24 Regular: 0.31
Min. Initial InvestmentRs. 5,000
Minimum SWP WithdrawalRs.500
Exit Load (both plans)NIL
Special FacilitiesSWP/SIP/Switch/STRIP/Redeem
Returns as of July 31, 2019

1 Year 1.12%

3 Year 5.18%

UTI Sensex Exchange Traded Fund

Fund TypeAn exchange traded index fund (ETF) tracking the S&P BSE Sensex
Investment ObjectiveThe investment objective of the scheme is to provide returns that, before expenses, closely correspond to the total returns of the securities as represented by the underlying index, subject to tracking error
Ideal ForInvestors looking to have a passive management strategy in their core equity portfolio. Investors looking to invest and transact into mutual funds during the trading hours of the day with the real-time NAV
Launch DateSeptember 01, 2015
BenchmarkS&P BSE Sensex
Risk RatingModerately High
Monthly Average AUMRs. 4,730.59 Cr
Plan TypesRegular - Growth/ Dividend
Expense Ratio-
Min. Initial InvestmentRs. 5,000
Minimum SIP InvestmentRs. 1000
Exit Load (both plans)NIL
Special FacilitiesNA
Returns as of July 31, 20191 Year 0.91%

UTI Regular Savings Fund

Fund TypeAn open ended hybrid scheme investing predominantly in debt instruments
Investment ObjectiveThe investment objective of the Scheme is to invest predominantly in debt and money market instruments and part of the portfolio into equity / equity related securities with a view to generating income and aim for capital appreciation.
Ideal ForInvestors looking for a regular stream of income in the form of dividend or through Systematic Withdrawal Plan (SWP). Investors seeking moderate participation in equity with relatively lower overall portfolio risk Investment horizon. Investors having an investment horizon of 3 years & above may look at this fund
Launch DateDecember 16, 2003
BenchmarkCRISIL Short Term Debt Hybrid 75+25 Fund Index
Risk RatingModerately High
Monthly Average AUMRs. 2,440.66 Cr
Plan Types

Regular - Growth/Flexi Dividend/Monthly Payment/Dividend Monthly

Direct - Growth/Flexi Dividend/Monthly Payment/Dividend Monthly

Expense RatioDirect: 1.12 Regular: 1.79
Min. Initial Investment

Rs.25,000/- in Monthly Dividend & Monthly Payment Plan

Rs.5,000/- in Flexi Dividend & Growth

Plan

Minimum SIP InvestmentRs. 500
Exit Load (both plans)

For Redemption/Switch out within 12 months from the date of allotment –

(i) up to 10% of the allotted Units –NIL

(ii) beyond 10% of the allotted Units -1.00 % (B)

For Redemption / Switch out after 12 months from the date of allotment –NIL

Special FacilitiesSWP/SIP/Switch/STRIP/Redeem
Returns as of July 31, 2019

1 Year 0.05%

3 Year 5.64%

UTI Nifty Exchange Traded Fund

Fund TypeAn exchange traded index fund (ETF) tracking the Nifty 50 index
Investment ObjectiveThe investment objective of the scheme is to provide returns that, before expenses, closely correspond to the total returns of the securities as represented by the underlying index, subject to tracking error.
Ideal ForInvestors looking to have a passive management strategy in their core equity portfolio. Investors looking to invest and transact into mutual funds during the trading hours of the day with the real-time NAV
Launch DateSeptember 01, 2015
BenchmarkNifty 50
Risk RatingModerately High
Monthly Average AUMRs. 13,981.41 Cr
Plan TypesRegular - Dividend
Expense Ratio-
Min. Initial InvestmentRs.5,000/-
Minimum SIP Investment-
Exit Load (both plans)NA
Special FacilitiesNA
Returns as of July 31, 20191 Year 0.88%

UTI Nifty Index Fund

Fund TypeEquity - Index
Investment ObjectiveThe principal investment objective of the scheme is to invest in stocks of companies comprising Nifty 50 Index and endeavour to achieve return equivalent to Nifty 50 Index by “passive” investment.
Ideal ForInvestors looking for taking market exposure (equity as an asset class) at relatively cheaper cost. Investors looking to eliminate unsystematic risk of specific company or a sector.
Launch DateMarch 06, 2000
BenchmarkNifty 50
Risk RatingModerately High
Monthly Average AUMRs. 1,422.42 Cr
Plan Types

Regular - Growth/Dividend

Direct - Growth/Dividend

Expense RatioDirect: 0.1 Regular: 0.17
Min. Initial InvestmentRs.5,000/-
Minimum SIP InvestmentRs. 500/-
Exit Load (both plans)NA
Special FacilitiesSWP/SIP/Switch/STRIP/Redeem
Returns as of July 31, 2019

1 Year 1.08%

5 Year 8.51%

UTI Dynamic Bond Fund

Fund TypeAn open ended dynamic debt scheme investing across duration
Investment ObjectiveThe 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 across duration.
Ideal ForInvestors looking to capitalize on interest rate movement along with regular returns and adequate liquidity. Investors seeking to do asset allocation across various asset classes. Investors who want to build their medium term debt portfolio in an uncertain environment
Launch DateJune 16, 2010
BenchmarkCRISIL Dynamic Debt Index
Risk RatingModerately High
Monthly Average AUMRs. 636.15 Cr
Plan Types

Regular - Growth/Flexi Dividend/Dividend Monthly/Dividend Quarterly/Dividend Half-yearly

Direct - Growth/Flexi Dividend/Dividend Monthly/Dividend Quarterly/Dividend Half-yearly

Expense RatioDirect: 0.92 Regular: 1.55
Min. Initial InvestmentRs.10,000/-
Minimum SIP InvestmentRs. 1000/-
Exit Load (both plans)NIL
Special FacilitiesSIP/Switch/STRIP/Redeem
Returns as of July 31, 2019

1 Year 1.51%

3 Year 3.91%

UTI Multi Asset Fund

Fund TypeAn open-ended Multi Asset Allocation
Investment ObjectiveThe objective of the Scheme is to achieve long term capital appreciation by investing predominantly in a diversified portfolio of equity and equity related instruments along with investments in Gold ETFs and Debt and Money Market Instruments
Ideal ForInvestors looking to create long term wealth. Investors looking for a multi asset allocation route for portfolio diversification
Launch DateNovember 19, 2008
BenchmarkS&P BSE 200, Gold & Crisil Bond Fund Index
Risk RatingModerately High
Monthly Average AUMRs. 760.22 Cr
Plan Types

Regular - Growth/Dividend

Direct - Growth/Dividend

Expense RatioDirect: 1.7 Regular: 2.51
Min. Initial InvestmentRs.5,000/-
Minimum SIP InvestmentRs. 1000/-
Exit Load (both plans)

For Redemption/Switch out within 12 months from the date of allotment –

i. up to 10% of allotted units - NIL

ii. beyond 10% of the allotted Units - 1.00%

For Redemption/Switch after 12 months from the date of allotment – NIL

Special FacilitiesSWP/SIP/Switch/Redeem
Returns as of July 31, 2019

1 Year 2.2%

5 Year 4.29%

UTI Bond Fund

Fund TypeAn open ended medium term debt scheme investing in instruments such that the Macaulay duration of the portfolio is between 4 years and 7 years
Investment ObjectiveThe investment objective of the scheme is to generate optimal returns with adequate liquidity by investing in debt and money market instruments such that the Macaulay duration of the portfolio is between 4 years and 7 years
Ideal ForInvestors looking to capitalize on falling interest rate environment. Investors who want to build their long term debt portfolio. Investors seeking to do asset allocation across various asset classes
Launch DateMay 04, 1998
BenchmarkCRISIL Medium to Long Term Debt Index
Risk RatingModerate
Monthly Average AUMRs. 607.79 Cr
Plan Types

Regular - Growth/Flexi Dividend/Dividend Monthly/Dividend Quarterly/Dividend Half-yearly

Direct - Growth/Flexi Dividend/Dividend Monthly/Dividend Quarterly/Dividend Half-yearly

Expense RatioDirect: 0.89 Regular: 1.55
Min. Initial InvestmentRs.1,000/-
Minimum SIP Investment-
Exit Load (both plans)

Exit load as % of NAV –

i. 3% within 3 months

ii. 2% between 3 to 6 months

iii. 1% between 6 to 12 months

iv. Nil after 12 months

Special FacilitiesSWP/SIP/Switch/STRIP/Redeem
Returns as of July 31, 2019

1 Year 2.46%

3 Year 3.03%

UTI Children’s Career Fund (UTI CCF) - Savings Plan

Fund TypeAn open ended solution oriented hybrid fund with a minimum lock-in period 5 years
Investment ObjectiveThe primary objective of the scheme is to invest predominantly in debt and money market instruments and part of the portfolio into equity & equity related securities with a view to generating income and aim for capital appreciation.
Ideal ForInvestors looking to secure their child's future by investing in a portfolio having potential for wealth creation
Launch DateJuly 12, 1993
BenchmarkCRISIL Short Term Debt Hybrid 60+40 Fund Index
Risk RatingModerately High
Monthly Average AUMRs. 3,568.76 Cr
Plan Types

Regular - Dividend

Direct - Dividend

Expense RatioDirect: 1.6 Regular: 1.8
Min. Initial InvestmentRs.1,000/-
Minimum SIP InvestmentRs.500
Exit Load (both plans)

3% for less than 2 yrs

2 % between 2 & 4 yrs

1% More than 4 yrs. Nil above 5 yrs

Special FacilitiesSIP
Returns as of July 31, 2019

1 Year 3.74%

3 Year 4.57%

UTI Infrastructure Fund

Fund TypeAn open-ended equity scheme
Investment ObjectiveThe investment objective of the Scheme is to provide long term capital appreciation by investing predominantly in equity and equity related securities of companies engaged either directly or indirectly in the infrastructure areas of the Indian economy.
Ideal ForInvestors looking to invest in a fund following a theme of investing in stocks of companies engaged either directly or indirectly in the Infrastructure areas of the India economy. Investors willing to have a tactical allocation to their overall equity portfolio. Investors willing to increase the risk spectrum of their portfolio with an exposure to a thematic portfolio philosophy
Launch DateApril 07, 2004
BenchmarkNifty Infrastructure Fund
Risk RatingHigh
Monthly Average AUMRs. 1,313.19 Cr
Plan Types

Regular - Growth/Dividend

Direct - Growth/Dividend

Expense RatioDirect: 1.9 Regular: 2.36
Min. Initial InvestmentRs. 5,000
Minimum SIP InvestmentRs.500
Exit Load (both plans)1% if less than 1 Year
Special FacilitiesSWP/SIP/Switch/STRIP/Redeem
Returns as of July 31, 2019

1 Year 3.75%

5 Year 6.34%

UTI Mastershare Unit Scheme

Fund TypeAn open ended equity scheme predominantly investing in large cap stocks
Investment ObjectiveThe objective of the scheme is to generate long term capital appreciation by investing predominantly in equity and equity related securities of large cap companies.
Ideal ForInvestors who wish to own large cap stocks in their portfolio that are quality businesses having steady cash flows, steady earnings growth and bought at a reasonable price. Investors looking to build their core equity portfolio for steady wealth creation
Launch DateOctober 15, 1986
BenchmarkS&P BSE 100
Risk RatingModerately High
Monthly Average AUMRs. 5,953.82 Cr
Plan Types

Regular - Growth/Dividend

Direct - Growth/Dividend

Expense RatioDirect: 1.41 Regular: 2.16
Min. Initial InvestmentRs. 100
Minimum SIP InvestmentRs. 100
Exit Load (both plans)

For Redemption/Switch out within 12 months from the date of allotment –

i. up to 10% of allotted units - NIL

ii. beyond 10% of allotted units - 1.00%

For Redemption/Switch after 12 months from the date of allotment – NIL

Special FacilitiesSWP/SIP/Switch/STRIP/Redeem
Returns as of July 31, 2019

1 Year 3.86%

5 Year 8.81%

UTI Treasury Advantage Fund

Fund TypeDebt - Low Duration Fund
Investment ObjectiveThe investment objective is to generate a reasonable income for its investors consistent with high liquidity by investing in a portfolio of debt & money market instruments.
Ideal For

Investors looking towards steady returns and liquidity over the near term.

Investors looking to augment their returns from other short term savings avenues like banks, FDs, post office deposits and bonds etc.

Investors who are looking for systematic transfer plan to equity oriented schemes

Launch DateApril 24, 2007
BenchmarkCRISIL Low Duration Debt Index
Risk RatingModerately Low
Monthly Average AUMRs. 2,501.16 Cr
Plan Types

Regular - Growth/Flexi Dividend/Dividend Weekly/Dividend Monthly/Dividend Quarterly/Dividend Half-yearly/Dividend Fortnightly/Dividend Daily/Bonus

Direct - Growth/Flexi Dividend/Dividend Weekly/Dividend Monthly/Dividend Quarterly/Dividend Half-yearly/Dividend Fortnightly/Dividend Daily/Bonus

Expense RatioDirect: 0.25 Regular: 0.37
Min. Initial InvestmentRs. 10000
Minimum SIP InvestmentRs. 10000
Exit Load (both plans)

Exit load as % of NAV –

i. 3% within 3 months

ii. 2% between 3 to 6 months

iii. 1% between 6 to 12 months

iv. Nil after 12 months

Special FacilitiesSWP/SIP/Switch/STRIP/Redeem
Returns as of July 31, 2019

1 Year 4.13%

3 Year 3.34%

UTI Retirement Benefit Pension Fund

Fund TypeSolution Oriented - Retirement Fund
Investment ObjectiveThe investment objective of the scheme is primarily to generate a corpus to provide for pension in the form of periodical income/cash flow to the unit holders to the extent of redemption value of their holding after the age of 58 years by investing in a mix of securities comprising of debt & money market instruments and equity & equity related instruments.
Ideal ForInvestors looking to build long term retirement corpus
Launch DateDecember 26, 1994
BenchmarkCRISIL Short Term Debt Hybrid 60+40 Fund Index
Risk RatingModerately High
Monthly Average AUMRs. 2,715.14 Cr
Plan Types

Regular - Growth

Direct - Growth

Expense RatioDirect: 1.3 Regular: 1.85
Min. Initial InvestmentRs.500
Minimum SIP InvestmentRs.500
Exit Load (both plans)Nil - Redemption at maturity (i.e. 58 years of age)
Special FacilitiesSWP/SIP/Switch/STRIP/Redeem
Returns as of July 31, 2019

1 Year 4.41%

3 Year 4.46%

UTI Short Term Income Fund

Fund TypeDebt - Short Duration Fund
Investment ObjectiveThe investment objective of the scheme is to generate reasonable income, with low risk and high level of liquidity from a portfolio of debt & money market instruments.
Ideal ForInvestors who want to build their core debt portfolio for the short to medium term investment horizon
Launch DateMay 22, 2009
BenchmarkCRISIL Short Term Bond Fund Index
Risk RatingModerate
Monthly Average AUMRs.2,341.20 Cr
Plan Types

Regular - Growth/Flexi Dividend/Dividend Weekly/Dividend Monthly/Dividend Quarterly/Dividend Half-yearly

Direct - Growth/Flexi Dividend/Dividend Weekly/Dividend Monthly/Dividend Quarterly/Dividend Half-yearly/

Expense RatioDirect: 0.38 Regular: 0.77
Min. Initial InvestmentRs.10,000
Minimum SIP InvestmentRs.1000
Exit Load (both plans)

3% for redemption within 79 days

2% for redemption between 80 - 179 days

1% for redemption between 180 - 364 days

Special FacilitiesSWP/SIP/Switch/STRIP/Redeem
Returns as of July 31, 2019

1 Year 4.45%

3 Year 2.86%

UTI Dividend Yield Fund

Fund TypeEquity - Dividend Yield Fund
Investment ObjectiveThe objective of the scheme is to generate long term capital appreciation and income by investing predominantly in dividend yielding equity and equity related securities.
Ideal ForInvestors looking to supplement their core equity portfolio with a differentiated portfolio strategy
Launch DateMay 03, 2005
BenchmarkNifty Dividend Opportunities 50
Risk RatingModerately High
Monthly Average AUMRs.2,359.78 Cr
Plan Types

Regular - Growth/ Dividend

Direct - Growth/ Dividend

Expense RatioDirect: 1.61 Regular: 2.14
Min. Initial InvestmentRs.5,000
Minimum SIP InvestmentRs.500
Exit Load (both plans)1% for redemption within 364 days
Special FacilitiesSWP/SIP/Switch/STRIP/Redeem
Returns as of July 31, 2019

1 Year 4.7%

5 Year 7.48%

UTI Hybrid Equity Fund

Fund TypeHybrid - Aggressive Hybrid Fund
Investment ObjectiveThe primary objective of the scheme is to generate long term capital appreciation by investing predominantly in equity and equity related securities of companies across the market capitalization spectrum. The fund also invests in debt and money market instruments with a view to generate regular income.
Ideal ForInvestors looking to diversify through portfolio mix of equity (for growth) and debt for (limiting downside) Investment Horizon
Launch DateJanuary 02, 1995
BenchmarkCRISIL Hybrid 25+75 Aggressive Index
Risk RatingModerately High
Monthly Average AUMRs.5,314.64 Cr
Plan Types

Regular - Growth/ Dividend

Direct - Growth/ Dividend

Expense RatioDirect: 1.17 Regular: 1.93
Min. Initial InvestmentRs.1,000
Minimum SIP InvestmentRs.500
Exit Load (both plans)

For Redemption/Switch out within 12 months from the date of allotment –

i. up to 10% of allotted units - NIL

ii. beyond 10% of allotted units - 1.00%

For Redemption/Switch after 12 months from the date of allotment – NIL

Special FacilitiesSWP/SIP/Switch/STRIP/Redeem
Returns as of July 31, 2019

1 Year 4.84%

5 Year 7.47%

UTI Value Opportunities Fund

Fund TypeEquity - Value Fund
Investment ObjectiveThe primary objective of the scheme is to generate long term capital appreciation by investing predominantly in equity and equity related securities of companies across market capitalization spectrum.
Ideal ForInvestors looking for outperformance over plain vanilla equity funds, which are more diversified but at the same time minimise the risk arising from pure sector funds while generating a reasonable return
Launch DateJuly 20, 2005
BenchmarkS&P BSE 200
Risk RatingModerately High
Monthly Average AUMRs.4,364.32 Cr
Plan Types

Regular - Growth/ Dividend

Direct - Growth/ Dividend

Expense RatioDirect: 1.17 Regular: 1.93
Min. Initial InvestmentRs.5,000
Minimum SIP InvestmentRs.500
Exit Load (both plans)

For Redemption/Switch out within 12 months from the date of allotment –

i. up to 10% of allotted units - NIL

ii. beyond 10% of allotted units - 1.00%

For Redemption/Switch after 12 months from the date of allotment – NIL

Special FacilitiesSWP/SIP/Switch/STRIP/Redeem
Returns as of July 31, 2019

1 Year 6.62%

5 Year 6.34%

UTI Long Term Equity Fund (Tax Saving)

Fund TypeEquity - ELSS
Investment ObjectiveThe fund invests in equities, fully convertible debentures/bonds and warrants of companies
Ideal ForInvestors looking for an Equity Linked Savings Scheme (ELSS) that aims to generate long term capital appreciation by primarily investing in equity and related securities
Launch DateDecember 15, 1999
BenchmarkS&P BSE 200
Risk RatingModerately High
Monthly Average AUMRs.1,167.89 Cr
Plan Types

Regular - Growth/ Dividend

Direct - Growth/ Dividend

Expense RatioDirect: 1.57 Regular: 2.47
Min. Initial InvestmentRs.500
Minimum SIP InvestmentRs.500
Exit Load (both plans)NIL
Special FacilitiesSIP/Switch/STRIP/Redeem
Returns as of July 31, 2019

1 Year 7.03%

5 Year 7.86%

UTI Unit Linked Insurance Plan

Fund TypeSolution based Funds - Investment cum Insurance
Investment ObjectiveInvestment objective of the scheme is primarily to provide return through growth in the NAV or through dividend distribution and reinvestment thereof.
Ideal ForInvestors looking for Life insurance cover, tax benefit coupled with growth opportunities
Launch DateOctober 01, 1971
BenchmarkCRISIL Short Term Debt Hybrid 60+40 Fund Index
Risk RatingModerately High
Monthly Average AUMRs.4,209 Cr
Plan Types

Regular - Dividend

Direct - Dividend

Expense RatioDirect: 1.17 Regular: 1.81
Min. Initial InvestmentRs.750
Minimum SIP InvestmentRs.500
Exit Load (both plans)

2% for premature withdrawal

Nil - On or after Maturity

Special FacilitiesSIP/Switch/Redeem
Returns as of July 31, 2019

1 Year 7.05%

3 Year 4.04%

UTI Banking & Financial Services Fund

Fund TypeEquity - Sectoral
Investment ObjectiveThe objective of the scheme is to generate long term capital appreciation by investing predominantly in equity and equity related securities of companies/institutions engaged in the banking and financial services activities.
Ideal ForInvestors willing to have a tactical allocation to their overall equity portfolio and willing to increase the risk spectrum of their portfolio with an exposure to a sectoral philosophy
Launch DateApril 07, 2004
BenchmarkNifty Financial Services
Risk RatingHigh
Monthly Average AUMRs.649.92 Cr
Plan Types

Regular - Growth/ Dividend

Direct - Growth/Dividend

Expense RatioDirect: 1.81 Regular: 2.73
Min. Initial InvestmentRs.5,000
Minimum SIP InvestmentRs.500
Exit Load (both plans)1% if less than 1 Year
Special FacilitiesSWP/SIP/Switch/STRIP/Redeem
Returns as of July 31, 2019

1 Year 7.45%

5 Year 10.79%

UTI Core Equity Fund

Fund TypeEquity - Large & Mid Cap Fund
Investment ObjectiveThe objective of the scheme is to generate long term capital appreciation by investing predominantly in equity and equity related securities of large cap and mid cap companies
Ideal ForInvestors who wish to own a portfolio of both large & mid capitalisation stocks
Launch DateMay 20, 2009
BenchmarkNifty Large Mid 250
Risk RatingModerately High
Monthly Average AUMRs.881.39 Cr
Plan Types

Regular - Growth/ Dividend

Direct - Growth/Dividend

Expense RatioDirect: 2.07 Regular: 2.48
Min. Initial InvestmentRs.5,000
Minimum SIP InvestmentRs.500
Exit Load (both plans)1% if less than 1 Year
Special FacilitiesSWP/SIP/Switch/STRIP/Redeem
Returns as of July 31, 2019

1 Year 7.6%

5 Year 7.25%

UTI Equity Fund

Fund TypeEquity - Multi Cap Fund
Investment ObjectiveThe primary objective of the scheme is to generate long term capital appreciation by investing predominantly in equity and equity related securities of companies across the market capitalization spectrum
Ideal ForInvestors who wish to build their core equity portfolio holding, that invests in quality businesses that has potential to generate economic value for a long period of time
Launch DateMay 18, 1992
BenchmarkS&P BSE 200
Risk RatingModerately High
Monthly Average AUMRs.9,216.25 Cr
Plan Types

Regular - Growth/ Dividend

Direct - Growth/Dividend

Expense RatioDirect: 1.48 Regular: 2.07
Min. Initial InvestmentRs.5,000
Minimum SIP InvestmentRs.500
Exit Load (both plans)

For Redemption/Switch out within 12 months from the date of allotment –

i. up to 10% of allotted units - NIL

ii. beyond 10% of allotted units - 1.00%

For Redemption/Switch after 12 months from the date of allotment – NIL

Special FacilitiesSWP/SIP/Switch/STRIP/Redeem
Returns as of July 31, 2019

1 Year 8.12%

5 Year 9.25%

UTI Healthcare Fund

Fund TypeEquity - Sectoral
Investment ObjectiveThe primary objective of the scheme is to generate long term capital appreciation by investing predominantly in equities and equity related securities of companies/institutions engaged in the Healthcare Services Sector.
Ideal ForInvestors with a higher risk appetite willing to take an exposure in a portfolio of pharma and healthcare services sector
Launch DateJune 28, 1999
BenchmarkS&P BSE Healthcare
Risk RatingHigh
Monthly Average AUMRs.386.46 Cr
Plan Types

Regular - Growth/Dividend

Direct - Growth/Dividend

Expense RatioDirect: 1.76 Regular: 2.69
Min. Initial InvestmentRs.5,000
Minimum SIP InvestmentRs.500
Exit Load (both plans)1% if less than 1 Year
Special FacilitiesSWP/SIP/Switch/STRIP/Redeem
Returns as of July 31, 2019

1 Year 9.36%

5 Year 1.7%

UTI Nifty Next 50 Exchange Traded Fund

Fund TypeETF - Equity
Investment ObjectiveThe investment objective of the scheme is to provide returns that, before expenses, closely correspond to the total returns of the securities as represented by the underlying index, subject to tracking error
Ideal ForInvestors looking for taking market exposure (equity as an asset class) at relatively cheaper cost
Launch DateAugust 04, 2017
BenchmarkNifty Next 50
Risk RatingModerately High
Monthly Average AUMRs.212.64 Cr
Plan Types

Regular - Growth

Direct - Growth

Expense Ratio-
Min. Initial InvestmentRs.5,000
Minimum SIP Investment-
Exit Load (both plans)Nil
Special Facilities-
Returns as of July 31, 2019

1 Year 11.16%

5 Year N/A

UTI Nifty Next 50 Index Fund

Fund TypeEquity - Index
Investment ObjectiveThe investment objective of the scheme is to provide returns that, before expenses, closely correspond to the total returns of the securities as represented by the underlying index, subject to tracking error.
Ideal ForInvestors looking for passive fund for Long Term Wealth Creation
Launch DateJune 08, 2018
BenchmarkNifty Next 50
Risk RatingModerately High
Monthly Average AUMRs.395.84 Cr
Plan Types

Regular - Growth

Direct - Growth

Expense RatioDirect: 0.27 Regular: 1.06
Min. Initial InvestmentRs.5,000
Minimum SIP InvestmentRs.500
Exit Load (both plans)Nil
Special FacilitiesSWP/SIP/Switch/STRIP/Redeem
Returns as of July 31, 2019

1 Year 12.08%

5 Year N/A

UTI Children’s Career Fund (UTI CCF) - Investment Plan

Fund TypeSolution Oriented - Children's Fund
Investment ObjectiveThe primary objective of the scheme is to generate long term capital appreciation by investing predominantly in equity and equity related securities of companies across the market capitalization spectrum
Ideal ForInvestors looking to secure their child's future by investing in a portfolio having potential for wealth creation
Launch DateJanuary 30, 2008
BenchmarkS&P BSE 200
Risk RatingModerately High
Monthly Average AUMRs.282.42 Cr
Plan Types

Regular - Growth/Dividend

Direct - Growth/Dividend

Expense Ratio2.79%
Min. Initial InvestmentRs.1000
Minimum SIP InvestmentRs.500
Exit Load (both plans)

4% for less than 1 year

3% between 1 & 3 years

1% above 3 & 5 years

Nil for above 5 years

Special FacilitiesSIP/Switch/Redeem
Returns as of July 31, 2019

1 Year 12.22%

5 Year 8.28%

UTI MNC Fund

Fund TypeEquity - Thematic
Investment ObjectiveThe primary objective of the scheme is to generate long term capital appreciation by investing predominantly in equity and equity related securities of multinational companies.
Ideal ForInvestors looking to diversify their core equity portfolio by adding exposure into quality MNC stocks
Launch DateMay 29, 1998
BenchmarkNifty MNC
Risk RatingHigh
Monthly Average AUMRs.2,045.83 Cr
Plan Types

Regular - Growth/Dividend

Direct - Growth/Dividend

Expense Ratio2.33%
Min. Initial InvestmentRs.5000
Minimum SIP InvestmentRs.500
Exit Load (both plans)1% if less than 1 Year
Special FacilitiesSWP/SIP/Switch/STRIP/Redeem
Returns as of July 31, 2019

1 Year 12.78%

5 Year 11.23%

UTI India Consumer Fund

Fund TypeEquity - Thematic
Investment ObjectiveThe objective of the scheme is to generate long term capital appreciation by investing predominantly in companies that are expected to benefit from the growth of consumption, changing demographics, consumer aspirations and lifestyle.
Ideal ForInvestors looking to invest in the theme of growing consumerism and changing lifestyle of the Indian consumer
Launch DateJuly 30, 2007
BenchmarkNifty India Consumption
Risk RatingHigh
Monthly Average AUMRs.245.66 Cr
Plan Types

Regular - Growth/Dividend

Direct - Growth/Dividend

Expense Ratio2.63%
Min. Initial InvestmentRs.5000
Minimum SIP InvestmentRs.500
Exit Load (both plans)1% if less than 1 Year
Special FacilitiesSIP/Switch/STRIP/Redeem
Returns as of July 31, 2019

1 Year 13.75%

5 Year 5.61%

UTI Mid Cap Fund

Fund TypeEquity - Mid Cap Fund
Investment ObjectiveThe objective of the scheme is to generate long term capital appreciation by investing predominantly in equity and equity related securities of mid cap companies.
Ideal ForInvestors looking for a tactical allocation and with relatively higher potential of greater alpha generation (outperformance) over the funds that are large cap biased
Launch DateApril 07, 2004
BenchmarkNifty Midcap 150
Risk RatingModerately High
Monthly Average AUMRs.3,572.30 Cr
Plan Types

Regular - Growth/Dividend

Direct - Growth/Dividend

Expense Ratio2.25%
Min. Initial InvestmentRs.5000
Minimum SIP InvestmentRs.500
Exit Load (both plans)1% if less than 1 Year
Special FacilitiesSIP/Switch/STRIP/Redeem
Returns as of July 31, 2019

1 Year 15.91%

5 Year 8.87%

UTI Transportation & Logistics Fund

Fund TypeEquity - Sectoral
Investment ObjectiveThe objective of the scheme is to generate long term capital appreciation by investing predominantly in equity and equity related securities of companies engaged in the transportation and logistics sector.
Ideal ForInvestors willing to increase the risk spectrum with an exposure to a thematic portfolio investing in stocks of companies catering to transportation and logistics sector
Launch DateApril 11, 2008
BenchmarkUTI Transportation & Logistics Index
Risk RatingHigh
Monthly Average AUMRs.1,277.30 Cr
Plan Types

Regular - Growth/Dividend

Direct - Growth/Dividend

Expense Ratio2.52%
Min. Initial InvestmentRs.5000
Minimum SIP InvestmentRs.500
Exit Load (both plans)1% if less than 1 Year
Special FacilitiesSIP/Switch/STRIP/Redeem
Returns as of July 31, 2019

1 Year 33.03%

5 Year 5.12%

UTI Corporate Bond Fund

Fund TypeOpen-ended Debt Scheme
Investment ObjectiveThe investment objective of the scheme is to generate optimal returns by investing predominantly in AA+ and above rated corporate bonds.
Ideal ForInvestors looking towards steady returns and liquidity over short term
Launch DateAugust 08, 2018
BenchmarkCRISIL Corporate Bond Composite Index
Risk RatingModerate
Monthly Average AUMRs.223.91 Cr
Plan Types

Regular - Growth/Flexi Dividend/Dividend Quarterly/Dividend Half-yearly/Dividend Yearly

Direct - Growth/Flexi Dividend/Dividend Quarterly/Dividend Half-yearly/Dividend Yearly

Expense Ratio0.50%
Min. Initial InvestmentRs.5000
Minimum SIP InvestmentRs.1000
Exit Load (both plans)Nil
Special FacilitiesSIP/Switch/STRIP/Redeem
Returns as of July 31, 2019

1 Year N/A

3 Year N/A

UTI Equity Savings Fund

Fund TypeHybrid - Equity Saving
Investment ObjectiveThe investment objective of the Scheme is to provide capital appreciation and income distribution to the investors using arbitrage opportunities, investment in equity / equity related instruments and debt / money market instruments.
Ideal ForInvestors who want growth with limited downside risk to their portfolio and want tax efficient returns
Launch DateAugust 30, 2018
BenchmarkCrisil Equity Savings Index
Risk RatingModerately High
Monthly Average AUMRs.336.39 Cr
Plan Types

Regular - Growth/Dividend Quarterly/Dividend Monthly/Dividend

Direct - Growth/Dividend Quarterly/Dividend Monthly/Dividend

Expense Ratio1.46%
Min. Initial InvestmentRs.5000
Minimum SIP InvestmentRs.1000
Exit Load (both plans)

For Redemption/Switch out within 12 months from the date of allotment –

i. up to 10% of allotted units - NIL

ii. beyond 10% of allotted units - 1.00%

For Redemption/Switch after 12 months from the date of allotment – NIL

Special FacilitiesSWP/SIP/Switch/STRIP/Redeem
Returns as of July 31, 2019

1 Year N/A

3 Year N/A

UTI Floater Fund

Fund TypeOpen-ended Debt Scheme
Investment ObjectiveThe investment objective of the scheme is to generate reasonable returns and reduce interest rate risk by investing in a portfolio comprising predominantly of floating rate instruments and fixed rate instruments swapped for floating rate returns.
Ideal ForInvestors reluctant to “lock in” a current fixed rate for a long horizon as they believe rates will trend upward in the future
Launch DateOctober 30, 2018
BenchmarkCRISIL Ultra Short Term Bond Index
Risk RatingModerately Low
Monthly Average AUMRs.554.79 Cr
Plan Types

Regular - Growth/Dividend Quarterly/Dividend Half-Yearly/Dividend Yearly/Flexi Dividend

Direct - Growth/Dividend Quarterly/Dividend Half-Yearly/Dividend Yearly/Flexi Dividend

Expense Ratio1.26%
Min. Initial InvestmentRs.5000
Minimum SIP InvestmentRs.1000
Exit Load (both plans)Nil
Special FacilitiesSWP/SIP/Switch/STRIP/Redeem
Returns as of July 31, 2019

1 Year N/A

3 Year N/A


UTI Mutual Fund plans can be conveniently purchased online on the official company website. Customers can also purchase them via authorized agents. Applicants can contact the company through the toll free customer care number listed on the website. Customers can also walk in to the nearest branch of UTI Mutual Funds.

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