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 Name | Category | Risk | 1Y Returns | Rating | Fund Size(in Cr) | |
|---|---|---|---|---|---|---|
| UTI Liquid Cash Plan | Debt | Moderate | 3.3% | 3star | ₹25,989 | |
| UTI Nifty Index Fund | Other | Very High | 53.8% | 3star | ₹5,219 | |
| UTI Transportation and Logistics Fund | Equity | Very High | 55.4% | 5star | ₹1,413 | |
| UTI Money Market Fund | Debt | Low to Moderate | 3.9% | 3star | ₹8,822 | |
| UTI Treasury Advantage Fund | Debt | Low to Moderate | 9.3% | 2star | ₹3,637 | |
| UTI Flexi Cap Fund | Equity | Very High | 68.0% | 4star | ₹23,599 | |
| UTI Short Term Income Fund | Debt | Low to Moderate | 9.8% | 2star | ₹3,732 | |
| UTI Nifty Next 50 Index Fund | Other | Very High | 57.4% | 2star | ₹1,330 | |
| UTI Retirement Benefit Pension Fund | Solution Oriented | High | 30.9% | 4star | ₹3,620 | |
| UTI Banking & Financial Services Fund | Debt | Moderate | 3.3% | 1star | ₹222 | |
| UTI Hybrid Equity Fund | Hybrid | Very High | 54.9% | 3star | ₹4,247 | |
| UTI Mid Cap Fund | Equity | Very High | 73.3% | 3star | ₹6,652 | |
| UTI Mastershare Unit Scheme | Equity | Very High | 56.6% | 4star | ₹9,536 | |
| UTI Long Term Equity Fund (Tax Saving) | Equity | Very High | 63.2% | 3star | ₹3,041 | |
| UTI MNC Fund | Equity | Very High | 41.3% | 4star | ₹2,635 | |
| 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 |
|---|---|
| AUM | ₹25,989Cr |
| 1Y Returns | 3.3% |
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 |
|---|---|
| AUM | ₹5,219Cr |
| 1Y Returns | 53.8% |
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 |
|---|---|
| AUM | ₹1,413Cr |
| 1Y Returns | 55.4% |
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 |
|---|---|
| AUM | ₹8,822Cr |
| 1Y Returns | 3.9% |
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 |
|---|---|
| AUM | ₹3,637Cr |
| 1Y Returns | 9.3% |
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 |
|---|---|
| AUM | ₹23,599Cr |
| 1Y Returns | 68.0% |
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 |
|---|---|
| AUM | ₹3,732Cr |
| 1Y Returns | 9.8% |
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 |
|---|---|
| AUM | ₹1,330Cr |
| 1Y Returns | 57.4% |
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 |
|---|---|
| AUM | ₹3,620Cr |
| 1Y Returns | 30.9% |
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 |
|---|---|
| AUM | ₹222Cr |
| 1Y Returns | 3.3% |
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 |
|---|---|
| AUM | ₹4,247Cr |
| 1Y Returns | 54.9% |
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 |
|---|---|
| AUM | ₹6,652Cr |
| 1Y Returns | 73.3% |
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 |
|---|---|
| AUM | ₹9,536Cr |
| 1Y Returns | 56.6% |
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 |
|---|---|
| AUM | ₹3,041Cr |
| 1Y Returns | 63.2% |
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 |
|---|---|
| AUM | ₹2,635Cr |
| 1Y Returns | 41.3% |
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