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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| Fund Name | Category | Risk | 1Y Returns | Rating | Fund Size(in Cr) |
|---|---|---|---|---|---|
UTI Liquid Fund | Debt | Moderate | 7.4% | 3 | ₹24,127 |
UTI Nifty 50 Index Fund | Other | Very High | 26.8% | 3 | ₹18,345 |
UTI Transportation and Logistics Fund | Equity | Very High | 58.2% | -- | ₹3,698 |
UTI Money Market Fund | Debt | Moderate | 7.6% | 4 | ₹14,308 |
UTI Low Duration Fund | Debt | Low to Moderate | 7.3% | 5 | ₹2,428 |
UTI Flexi Cap Fund | Equity | Very High | 25.0% | 1 | ₹25,696 |
UTI Short Duration Fund | Debt | Moderate | 7.8% | 5 | ₹2,566 |
UTI Nifty Next 50 Index Fund | Other | Very High | 65.1% | 3 | ₹4,359 |
UTI Retirement Fund | Solution Oriented | High | 21.9% | -- | ₹4,546 |
UTI Banking & PSU Fund | Debt | Moderate | 7.3% | 1 | ₹839 |
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Now let us jump and check about these top 10 mutual fund schemes.
Fund Performance: The UTI Liquid Fund has given 5.94% annualized returns in the past three years and 5.28% in the last 5 years. The UTI Liquid Fund comes under the Debt category of UTI Mutual Funds.
| Min Investment Amt | ₹500 |
|---|---|
| AUM | ₹24,127Cr |
| 1Y Returns | 7.4% |
Fund Performance: The UTI Nifty 50 Index Fund has given 17.27% annualized returns in the past three years and 18.1% in the last 5 years. The UTI Nifty 50 Index Fund comes under the Other category of UTI Mutual Funds.
Minimum Investment Amount: The minimum amount required to invest in UTI Nifty 50 Index Fund via lump sum is ₹1,000 and via SIP is ₹500.
| Min Investment Amt | ₹1,000 |
|---|---|
| AUM | ₹18,345Cr |
| 1Y Returns | 26.8% |
Fund Performance: The UTI Transportation and Logistics Fund has given 34.3% annualized returns in the past three years and 28.88% in the last 5 years. The UTI Transportation and Logistics Fund comes under the Equity category of UTI Mutual Funds.
Minimum Investment Amount: The minimum amount required to invest in UTI Transportation and Logistics Fund via lump sum is ₹5,000 and via SIP is ₹500.
| Min Investment Amt | ₹5,000 |
|---|---|
| AUM | ₹3,698Cr |
| 1Y Returns | 58.2% |
Fund Performance: The UTI Money Market Fund has given 6.21% annualized returns in the past three years and 6.01% in the last 5 years. The UTI Money Market Fund comes under the Debt category of UTI Mutual Funds.
Minimum Investment Amount: The minimum amount required to invest in UTI Money Market Fund via lump sum is ₹500 and via SIP is ₹500.
| Min Investment Amt | ₹500 |
|---|---|
| AUM | ₹14,308Cr |
| 1Y Returns | 7.6% |
Fund Performance: The UTI Low Duration Fund has given 7.67% annualized returns in the past three years and 7.22% in the last 5 years. The UTI Low Duration Fund comes under the Debt category of UTI Mutual Funds.
Minimum Investment Amount: The minimum amount required to invest in UTI Low Duration Fund via lump sum is ₹500 and via SIP is ₹500.
| Min Investment Amt | ₹500 |
|---|---|
| AUM | ₹2,428Cr |
| 1Y Returns | 7.3% |
Fund Performance: The UTI Flexi Cap Fund has given 10.08% annualized returns in the past three years and 19.12% in the last 5 years. The UTI Flexi Cap Fund comes under the Equity category of UTI Mutual Funds.
Minimum Investment Amount: The minimum amount required to invest in UTI Flexi Cap Fund via lump sum is ₹5,000 and via SIP is ₹500.
| Min Investment Amt | ₹5,000 |
|---|---|
| AUM | ₹25,696Cr |
| 1Y Returns | 25.0% |
Fund Performance: The UTI Short Duration Fund has given 7.84% annualized returns in the past three years and 8.19% in the last 5 years. The UTI Short Duration Fund comes under the Debt category of UTI Mutual Funds.
Minimum Investment Amount: The minimum amount required to invest in UTI Short Duration Fund via lump sum is ₹500 and via SIP is ₹500.
| Min Investment Amt | ₹500 |
|---|---|
| AUM | ₹2,566Cr |
| 1Y Returns | 7.8% |
Fund Performance: The UTI Nifty Next 50 Index Fund has given 23.6% annualized returns in the past three years and 23.09% in the last 5 years. The UTI Nifty Next 50 Index Fund comes under the Other category of UTI Mutual Funds.
Minimum Investment Amount: The minimum amount required to invest in UTI Nifty Next 50 Index Fund via lump sum is ₹1,000 and via SIP is ₹500.
| Min Investment Amt | ₹1,000 |
|---|---|
| AUM | ₹4,359Cr |
| 1Y Returns | 65.1% |
Fund Performance: The UTI Retirement Fund has given 14.22% annualized returns in the past three years and 14.25% in the last 5 years. The UTI Retirement Fund comes under the Solution Oriented category of UTI Mutual Funds.
Minimum Investment Amount: The minimum amount required to invest in UTI Retirement Fund via lump sum is ₹500 and via SIP is ₹500.
| Min Investment Amt | ₹500 |
|---|---|
| AUM | ₹4,546Cr |
| 1Y Returns | 21.9% |
Fund Performance: The UTI Banking & PSU Fund has given 7.87% annualized returns in the past three years and 7.13% in the last 5 years. The UTI Banking & PSU Fund comes under the Debt category of UTI Mutual Funds.
Minimum Investment Amount: The minimum amount required to invest in UTI Banking & PSU Fund via lump sum is ₹500 and via SIP is ₹500.
| Min Investment Amt | ₹500 |
|---|---|
| AUM | ₹839Cr |
| 1Y Returns | 7.3% |
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