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 Cash Fund | Debt | Moderate | 5.2% | 4 | ₹23,212 |
| UTI Nifty 50 Index Fund | Other | Very High | 4.0% | 3 | ₹9,337 |
| UTI Transportation and Logistics Fund | Equity | Very High | 11.4% | -- | ₹1,931 |
| UTI Money Market Fund | Debt | Moderate | 5.2% | 4 | ₹7,440 |
| UTI Treasury Advantage Fund | Debt | Low to Moderate | 4.8% | 5 | ₹3,009 |
| UTI Flexi Cap Fund | Equity | Very High | -8.7% | 4 | ₹24,929 |
| UTI Short-term Income Fund | Debt | Low to Moderate | 4.7% | 5 | ₹2,246 |
| UTI Nifty Next 50 Index Fund | Other | Very High | -2.0% | 3 | ₹2,088 |
| UTI Retirement Benefit Pension Fund | Solution Oriented | High | 5.3% | -- | ₹3,727 |
| UTI Banking & PSU Debt Fund | Debt | Moderate | 10.9% | -- | ₹527 |
| View All |
Now let us jump and check about these top 10 mutual fund schemes.
Fund Performance: The UTI Liquid Cash Fund has given 4.22% annualized returns in the past three years and 5.34% in the last 5 years. The UTI Liquid Cash Fund belongs to the Debt category of UTI Mutual Funds.
Minimum Investment Amount:
| Min Investment Amt | ₹500 |
|---|---|
| AUM | ₹23,212Cr |
| 1Y Returns | 5.2% |
Fund Performance: The UTI Nifty 50 Index Fund has given 14.21% annualized returns in the past three years and 10.78% in the last 5 years. The UTI Nifty 50 Index Fund belongs to 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 ₹5,000 and via SIP is ₹500.
| Min Investment Amt | ₹5,000 |
|---|---|
| AUM | ₹9,337Cr |
| 1Y Returns | 4.0% |
Fund Performance: The UTI Transportation and Logistics Fund has given 17.52% annualized returns in the past three years and 4.69% in the last 5 years. The UTI Transportation and Logistics Fund belongs to 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 | ₹1,931Cr |
| 1Y Returns | 11.4% |
Fund Performance: The UTI Money Market Fund has given 5% annualized returns in the past three years and 6.18% in the last 5 years. The UTI Money Market Fund belongs to 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 | ₹7,440Cr |
| 1Y Returns | 5.2% |
Fund Performance: The UTI Treasury Advantage Fund has given 6.99% annualized returns in the past three years and 4.78% in the last 5 years. The UTI Treasury Advantage Fund belongs to the Debt category of UTI Mutual Funds.
Minimum Investment Amount: The minimum amount required to invest in UTI Treasury Advantage Fund via lump sum is ₹10,000 and via SIP is ₹500.
| Min Investment Amt | ₹10,000 |
|---|---|
| AUM | ₹3,009Cr |
| 1Y Returns | 4.8% |
Fund Performance: The UTI Flexi Cap Fund has given 13.25% annualized returns in the past three years and 11.3% in the last 5 years. The UTI Flexi Cap Fund belongs to 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 | ₹24,929Cr |
| 1Y Returns | -8.7% |
Fund Performance: The UTI Short-term Income Fund has given 7.99% annualized returns in the past three years and 5.4% in the last 5 years. The UTI Short-term Income Fund belongs to the Debt category of UTI Mutual Funds.
Minimum Investment Amount: The minimum amount required to invest in UTI Short-term Income Fund via lump sum is ₹10,000 and via SIP is ₹500.
| Min Investment Amt | ₹10,000 |
|---|---|
| AUM | ₹2,246Cr |
| 1Y Returns | 4.7% |
Fund Performance: The UTI Nifty Next 50 Index Fund belongs to 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 ₹5,000 and via SIP is ₹500.
| Min Investment Amt | ₹5,000 |
|---|---|
| AUM | ₹2,088Cr |
| 1Y Returns | -2.0% |
Fund Performance: The UTI Retirement Benefit Pension Fund has given 12.14% annualized returns in the past three years and 6.76% in the last 5 years. The UTI Retirement Benefit Pension Fund belongs to the Solution Oriented category of UTI Mutual Funds.
Minimum Investment Amount: The minimum amount required to invest in UTI Retirement Benefit Pension Fund via lump sum is ₹500 and via SIP is ₹500.
| Min Investment Amt | ₹500 |
|---|---|
| AUM | ₹3,727Cr |
| 1Y Returns | 5.3% |
Fund Performance: The UTI Banking & PSU Debt Fund has given 7.4% annualized returns in the past three years and 5.62% in the last 5 years. The UTI Banking & PSU Debt Fund belongs to the Debt category of UTI Mutual Funds.
Minimum Investment Amount: The minimum amount required to invest in UTI Banking & PSU Debt Fund via lump sum is ₹5,000 and via SIP is ₹500.
| Min Investment Amt | ₹5,000 |
|---|---|
| AUM | ₹527Cr |
| 1Y Returns | 10.9% |
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