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Best UTI Debt Mutual Funds

The 8th largest AMC in India as per asset size, UTI Mutual Fund has been in service for over 50 years now. It came into existence as one of the 2 divisions of Unit Trust of India (UTI) in 2003. Since then, it has continued to be one of the top mutual fund houses in the country. As a testament to that, the company has managed assets worth roughly Rs. 182852 crore until 31st March 2021.

Investors can choose from more than 120 schemes spanning various fund categories. One of them comprises the best UTI debt mutual funds. In general, there are 7 major types of debt MFs. These are short-term, dynamic bonds, fixed maturity, liquid, gilt, income, and credit opportunities funds.

Debt mutual funds predominantly invest in money market instruments. These include commercial papers, government securities, treasury bills, gold, bonds etc. These are fixed-income assets and bear remarkably lower risk compared to equity instruments. 

Besides, the top UTI debt mutual funds also come with other benefits like liquidity, steady capital appreciation, and more stable returns. 

However, these returns will also be lower than those of high-performing equity-linked schemes. This is owing to the lesser risk debt MFs involve. Although these returns are predictable, there is no guaranteed amount. All mutual fund schemes involve some extent of volatility. Investors must make sure their risk appetite and financial goal align with the specifics of the fund scheme.

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Top 10 Uti Mutual Funds

Fund NameCategoryRisk1Y ReturnsRatingFund Size(in Cr)
UTI Liquid Cash PlanDebtModerate3.3%3star25,989
UTI Nifty Index FundOtherVery High53.8%3star5,219
UTI Transportation and Logistics FundEquityVery High55.4%5star1,413
UTI Money Market FundDebtLow to Moderate3.9%3star8,822
UTI Treasury Advantage FundDebtLow to Moderate9.3%2star3,637
UTI Flexi Cap FundEquityVery High68.0%4star23,599
UTI Short Term Income FundDebtLow to Moderate9.8%2star3,732
UTI Nifty Next 50 Index FundOtherVery High57.4%2star1,330
UTI Retirement Benefit Pension FundSolution OrientedHigh30.9%4star3,620
UTI Banking & Financial Services FundDebtModerate3.3%1star222
UTI Hybrid Equity FundHybridVery High54.9%3star4,247
UTI Mid Cap FundEquityVery High73.3%3star6,652
UTI Mastershare Unit SchemeEquityVery High56.6%4star9,536
UTI Long Term Equity Fund (Tax Saving)EquityVery High63.2%3star3,041
UTI MNC FundEquityVery High41.3%4star2,635
View All Top 10 Uti Mutual Funds

Let's have a closer look

Now let us jump and check about these top 10 mutual fund schemes.

UTI Liquid Cash Direct Growth

Fund Performance: This fund has given 5.04% annualized returns in the last three years. In the last year, its returns were 3.28%. It has continually hit its benchmark in the Debt segment.

Why to invest: It is one of the most remarkable Debt mutual funds in India. This fund has constantly outperformed other similar funds, providing 3.28% returns in the last one year. Minimum lump sum investment amount required to invest in this scheme is ₹500. Minimum SIP investment amount required for this scheme is ₹2,500.

Min Investment Amt₹500
AUM25,989Cr
1Y Returns3.3%

UTI Nifty Index Fund Direct Growth

Fund Performance: This fund has given 21.85% annualized returns in the last three years. In the last year, its returns were 53.8%. It has continually hit its benchmark in the Other segment.

Why to invest: It is one of the most remarkable Other mutual funds in India. This fund has constantly outperformed other similar funds, providing 53.8% returns in the last one year. Minimum lump sum investment amount required to invest in this scheme is ₹5,000. Minimum SIP investment amount required for this scheme is ₹500.

Min Investment Amt₹5,000
AUM5,219Cr
1Y Returns53.8%

UTI Transportation and Logistics Fund Direct Growth

Fund Performance: This fund has given 13.19% annualized returns in the last three years. In the last year, its returns were 55.36%. It has continually hit its benchmark in the Equity segment.

Why to invest: It is one of the most remarkable Equity mutual funds in India. This fund has constantly outperformed other similar funds, providing 55.36% returns in the last one year. Minimum lump sum investment amount required to invest in this scheme is ₹5,000. Minimum SIP investment amount required for this scheme is ₹500.

Min Investment Amt₹5,000
AUM1,413Cr
1Y Returns55.4%

UTI Money Market Fund Direct Growth

Fund Performance: This fund has given 6.34% annualized returns in the last three years. In the last year, its returns were 3.85%. It has continually hit its benchmark in the Debt segment.

Why to invest: It is one of the most remarkable Debt mutual funds in India. This fund has constantly outperformed other similar funds, providing 3.85% returns in the last one year. Minimum lump sum investment amount required to invest in this scheme is ₹500. Minimum SIP investment amount required for this scheme is ₹500.

Min Investment Amt₹500
AUM8,822Cr
1Y Returns3.9%

UTI Treasury Advantage Fund Direct Growth

Fund Performance: This fund has given 4.37% annualized returns in the last three years. In the last year, its returns were 9.32%. It has continually hit its benchmark in the Debt segment.

Why to invest: It is one of the most remarkable Debt mutual funds in India. This fund has constantly outperformed other similar funds, providing 9.32% returns in the last one year. Minimum lump sum investment amount required to invest in this scheme is ₹10,000. Minimum SIP investment amount required for this scheme is ₹10,000.

Min Investment Amt₹10,000
AUM3,637Cr
1Y Returns9.3%

UTI Flexi Cap Fund Direct Growth

Fund Performance: This fund has given 28.99% annualized returns in the last three years. In the last year, its returns were 68.05%. It has continually hit its benchmark in the Equity segment.

Why to invest: It is one of the most remarkable Equity mutual funds in India. This fund has constantly outperformed other similar funds, providing 68.05% returns in the last one year. Minimum lump sum investment amount required to invest in this scheme is ₹5,000. Minimum SIP investment amount required for this scheme is ₹500.

Min Investment Amt₹5,000
AUM23,599Cr
1Y Returns68.0%

UTI Short term Income Direct Growth

Fund Performance: This fund has given 5.77% annualized returns in the last three years. In the last year, its returns were 9.82%. It has continually hit its benchmark in the Debt segment.

Why to invest: It is one of the most remarkable Debt mutual funds in India. This fund has constantly outperformed other similar funds, providing 9.82% returns in the last one year. Minimum lump sum investment amount required to invest in this scheme is ₹10,000. Minimum SIP investment amount required for this scheme is ₹500.

Min Investment Amt₹10,000
AUM3,732Cr
1Y Returns9.8%

UTI Nifty Next 50 Index Fund Direct Growth

Fund Performance: This fund has given 18.77% annualized returns in the last three years. In the last year, its returns were 57.38%. It has continually hit its benchmark in the Other segment.

Why to invest: It is one of the most remarkable Other mutual funds in India. This fund has constantly outperformed other similar funds, providing 57.38% returns in the last one year. Minimum lump sum investment amount required to invest in this scheme is ₹5,000. Minimum SIP investment amount required for this scheme is ₹500.

Min Investment Amt₹5,000
AUM1,330Cr
1Y Returns57.4%

UTI Retirement Benefit Pension Fund Direct

Fund Performance: This fund has given 11.73% annualized returns in the last three years. In the last year, its returns were 30.92%. It has continually hit its benchmark in the Solution Oriented segment.

Why to invest: It is one of the most remarkable Solution Oriented mutual funds in India. This fund has constantly outperformed other similar funds, providing 30.92% returns in the last one year. Minimum lump sum investment amount required to invest in this scheme is ₹500. Minimum SIP investment amount required for this scheme is ₹500.

Min Investment Amt₹500
AUM3,620Cr
1Y Returns30.9%

UTI Banking & PSU Debt Fund Direct Growth

Fund Performance: This fund has given 4.11% annualized returns in the last three years. In the last year, its returns were 3.27%. It has continually hit its benchmark in the Debt segment.

Why to invest: It is one of the most remarkable Debt mutual funds in India. This fund has constantly outperformed other similar funds, providing 3.27% returns in the last one year. Minimum lump sum investment amount required to invest in this scheme is ₹5,000. Minimum SIP investment amount required for this scheme is ₹500.

Min Investment Amt₹5,000
AUM222Cr
1Y Returns3.3%

UTI Hybrid Equity Fund Direct Fund Growth

Fund Performance: This fund has given 17.9% annualized returns in the last three years. In the last year, its returns were 54.88%. It has continually hit its benchmark in the Hybrid segment.

Why to invest: It is one of the most remarkable Hybrid mutual funds in India. This fund has constantly outperformed other similar funds, providing 54.88% returns in the last one year. Minimum lump sum investment amount required to invest in this scheme is ₹1,000. Minimum SIP investment amount required for this scheme is ₹500.

Min Investment Amt₹1,000
AUM4,247Cr
1Y Returns54.9%

UTI Mid Cap Fund Direct Growth

Fund Performance: This fund has given 27.5% annualized returns in the last three years. In the last year, its returns were 73.33%. It has continually hit its benchmark in the Equity segment.

Why to invest: It is one of the most remarkable Equity mutual funds in India. This fund has constantly outperformed other similar funds, providing 73.33% returns in the last one year. Minimum lump sum investment amount required to invest in this scheme is ₹5,000. Minimum SIP investment amount required for this scheme is ₹500.

Min Investment Amt₹5,000
AUM6,652Cr
1Y Returns73.3%

UTI Mastershare Direct Growth

Fund Performance: This fund has given 23.23% annualized returns in the last three years. In the last year, its returns were 56.56%. It has continually hit its benchmark in the Equity segment.

Why to invest: It is one of the most remarkable Equity mutual funds in India. This fund has constantly outperformed other similar funds, providing 56.56% returns in the last one year. Minimum lump sum investment amount required to invest in this scheme is ₹100. Minimum SIP investment amount required for this scheme is ₹100.

Min Investment Amt₹100
AUM9,536Cr
1Y Returns56.6%

UTI Long Term Equity Fund Direct Growth

Fund Performance: This fund has given 24.48% annualized returns in the last three years. In the last year, its returns were 63.16%. It has continually hit its benchmark in the Equity segment.

Why to invest: It is one of the most remarkable Equity mutual funds in India. This fund has constantly outperformed other similar funds, providing 63.16% returns in the last one year. Minimum lump sum investment amount required to invest in this scheme is ₹500. Minimum SIP investment amount required for this scheme is ₹500.

Min Investment Amt₹500
AUM3,041Cr
1Y Returns63.2%

UTI MNC Fund Direct Growth

Fund Performance: This fund has given 15.17% annualized returns in the last three years. In the last year, its returns were 41.26%. It has continually hit its benchmark in the Equity segment.

Why to invest: It is one of the most remarkable Equity mutual funds in India. This fund has constantly outperformed other similar funds, providing 41.26% returns in the last one year. Minimum lump sum investment amount required to invest in this scheme is ₹5,000. Minimum SIP investment amount required for this scheme is ₹500.

Min Investment Amt₹5,000
AUM2,635Cr
1Y Returns41.3%

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