Markets / Mutual funds / Gilt
UTI Mutual Fund · Debt fund · Direct plan · IDCW
The 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. However there can be no assurance that the investment objective of the Scheme will be achieved. The Scheme does not guarantee / indicate any returns.
Bars: this plan; the thin mark is the Gilt average (direct plans, growth option). Over a year: yearly averages (CAGR). Past returns do not guarantee future returns. Information only, not investment advice.
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2024 | +0.2 | |||||||||||
| 2025 | +1.1 | -0.3 | +0.6 | +2.0 | +0.6 | -1.5 | +0.9 | -2.3 | +1.5 | +0.6 | +0.4 | +0.2 |
| 2026 | +0.3 | +1.2 | -1.7 | +1.6 | +0.1 | +1.4 | +0.2 | -0.1 | -0.3 | -1.1 | +1.9 |
Each month's change in NAV (the current month to the latest NAV).
Worked out from this plan's actual NAVs. SIP: invested on the first NAV of each month. Taxes and exit loads are not included. Past returns do not guarantee future returns. Information only, not investment advice.
| Share of fund | 30 Sept 2026 | 31 Aug 2026 | Change |
|---|---|---|---|
| Debt | 0.0% | 0.0% | 0.00 |
| Money market | 86.4% | 92.8% | -6.38 |
| Cash & others | 13.2% | 6.8% | +6.38 |
Change is in percentage points. Bought more and cut back list stocks whose share of the fund moved by at least 0.25 points. A share can also move because the price changed, not only because the fund traded.
| Holding | % of fund |
|---|---|
| CLEARING CORPORATION OF INDIA LTD. STD - MARGIN | 0.42% |
| Holding | % of fund |
|---|---|
| 6.90% GSEC MAT - 15/04/2065 IN0020250018 | 51.89% |
| NET CURRENT ASSETS | 13.18% |
| 07.71% GSEC Mat- 18/05/2066 IN0020260033 | 12.05% |
| 7.24% GSEC MAT- 18/08/2055 IN0020250075 | 9.15% |
| 6.79% NI GSEC MAT 15/05/2027 IN0020170026 | 6.05% |
| 7.18% TN SDL 26/07/2027 IN3120170078 | 3.64% |
| 07.30% UTTARAKHAND SGS Mat - 01/10/2032 IN3620250040 | 2.03% |
| 7.77% ANDHRA PRADESH SGS - 10/01/2028 IN1020170131 | 1.22% |
| 364 DAYS T-BILL - 04/03/2027 IN002025Z484 | 0.38% |
From the fund house's monthly portfolio (d3ce1o48hc5oli.cloudfront.net), as on 30 Sept 2026. Percentages are of the fund's net assets. Published about ten days after each month ends.
Volatility: how much the NAV moves, as a yearly figure (higher = bumpier). Worst fall: the biggest drop from a high, in the NAV history we hold (from 31 May 2016).
The ranges the fund is allowed to hold, not what it holds today.
| Fund size (average AUM, July - September 2026) | ₹421 cr across all plans · this plan ₹0.61 cr |
| Fund house | UTI Mutual Fund |
| Category | Debt · Gilt |
| Plan | Direct |
| Option | IDCW |
| Expense ratio (TER) | Direct 0.47% · Regular 0.85% (5 Nov 2026) |
| Minimum investment | Regular Plan-Growth- Rs.500, Regular Plan-Reinvestment of IDCW- Rs.20000, Regular Plan-Payout of IDCW- Rs.20000, Direct Plan-Growth- Rs.500, Direct Plan-Reinvestment of IDCW- Rs.20000, Direct Plan-Payout of IDCW- Rs.20000, · additional Regular Plan-Growth-Rs.500, Regular Plan-Reinvestment of IDCW-Rs.500, Regular Plan-Payout of IDCW-Rs.500, Direct Plan-Growth-Rs.500, Direct Plan-Reinvestment of IDCW-Rs.500, Direct Plan-Payout of IDCW-Rs.500, |
| Scheme code (AMFI) | 120791 |
| ISIN | INF789F01TJ9 |
| NAV date | 5 Nov 2026 |
Scheme details from the fund's scheme summary document filed with AMFI; expense ratios from AMFI's daily filings.
| Plan | NAV | 1 year |
|---|---|---|
| Direct · Growth | ₹68.5990 | +4.82% |
| Regular · Growth | ₹65.9516 | +4.43% |
| Regular · Growth | ₹49.0372 | +4.43% |
| Regular · Growth | ₹49.0644 | +4.43% |
| Regular · IDCW | ₹39.5378 | +3.75% |
| Regular · IDCW | ₹26.9902 | +4.43% |
| Fund | 1 year | 3 years (a year) |
|---|---|---|
| Bandhan Gilt Fund | +7.40% | +8.29% |
| ICICI Prudential Gilt Fund | +4.13% | +6.94% |
| UTI - Gilt Fund | +4.82% | +6.87% |
| BARODA BNP PARIBAS GILT FUND | +3.29% | +6.83% |
| DSP Gilt Fund | +3.38% | +6.76% |
| SBI GILT FUND | +4.13% | +6.74% |
| Nippon India Gilt Fund | +4.02% | +6.64% |
| Nippon India Gilt Fund | +4.02% | +6.64% |
Information only, not investment advice.
₹31.7467 as of 5 Nov 2026, from AMFI's official NAV data.
1 year: 3.97%, 3 years: 5.37% a year, 5 years: 4.59% a year
Both invest in the same portfolio. Direct plans are bought straight from the fund house and pay no distributor commission, so their expenses are lower and their NAV grows slightly faster.