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Best UTI Debt Mutual Funds

UTI Mutual Fund was carved out of the erstwhile Unit Trust of India as a SEBI registered mutual fund from 1 February 2003. The Unit Trust of India Act 1963 was repealed, paving way for the bifurcation of UTI into – Specified Undertaking of Unit Trust of India; and UTI Mutual Fund. UTI AMC, India’s most trusted Wealth creators and always has the interest of its investors in its heart. The AMC has completed 50 years as India’s leading Financial service institution and was a sole vehicle of capital market investment for Indian Citizens till the early 90’s. The institution has shown great resilience and has grown from strength to strength overcoming economic turbulence and global turnarounds. This AMC has contributed immensely to industrial and capital growth in the Indian market. It has led transformative initiatives like developmental financial institutions, rural outreach programs and financial products and services.

If you are saving for very short-term goals like a vacation or buying an automobile, then this category is ideal for gains within one year. It is also an excellent resort to park your money until you decide where to invest or spend next. Returns are taxed as per your income tax slab if sold before three years and have negligible tax post that period.

Purpose: Invest here for your short term goals like a vacation, buying a bike, jewelry or expensive gadget.

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Top 10 Uti Mutual Funds

Fund NameCategoryRisk1Y ReturnsRatingFund Size(in Cr)
UTI Liquid Cash PlanDebtModerately Low4.2%3star26,399
UTI Nifty Index FundEquityModerately High20.5%4star3,173
UTI Transportation and Logistics FundEquityHigh22.7%5star1,373
UTI Money Market FundDebtModerate5.9%3star7,217
UTI Treasury Advantage FundDebtModerately Low7.0%2star3,091
UTI Equity FundEquityModerately High33.8%4star14,861
UTI Short Term Income FundDebtModerate10.2%2star2,980
UTI Nifty Next 50 Index FundEquityModerately High18.5%3star779
UTI Banking & Financial Services FundDEBTModerate8.3%1star290
UTI Hybrid Equity FundHybridModerately High17.1%2star3,838
UTI Mid Cap FundEquityModerately High33.7%3star4,727
UTI Mastershare Unit SchemeEquityModerately High23.4%3star7,425
UTI Long Term Equity Fund (Tax Saving)EquityModerately High24.3%3star1,661
UTI MNC FundEquityHigh14.8%4star2,309
UTI Credit Risk FundDebtModerately High-19.2%1star311
View All Top 10 Uti Mutual Funds

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

UTI Liquid Cash Direct Growth

Fund Performance: This fund has given 6.07% annualized returns in the last three years. In the last year, its returns were 4.15%. 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 4.15% 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
AUM26,399Cr
1Y Returns4.2%

UTI Nifty Index Fund Direct Growth

Fund Performance: This fund has given 11.41% annualized returns in the last three years. In the last year, its returns were 20.5%. 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 20.5% 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
AUM3,173Cr
1Y Returns20.5%

UTI Transportation and Logistics Fund Direct Growth

Fund Performance: This fund has given -1.65% annualized returns in the last three years. In the last year, its returns were 22.69%. 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 22.69% 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
AUM1,373Cr
1Y Returns22.7%

UTI Money Market Fund Direct Growth

Fund Performance: This fund has given 7.29% annualized returns in the last three years. In the last year, its returns were 5.94%. 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 5.94% 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
AUM7,217Cr
1Y Returns5.9%

UTI Treasury Advantage Fund Direct Growth

Fund Performance: This fund has given 3.32% annualized returns in the last three years. In the last year, its returns were 7%. 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 7% 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
AUM3,091Cr
1Y Returns7.0%

UTI Equity Fund Direct Growth

Fund Performance: This fund has given 15.94% annualized returns in the last three years. In the last year, its returns were 33.83%. 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 33.83% 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
AUM14,861Cr
1Y Returns33.8%

UTI Short term Income Direct Growth

Fund Performance: This fund has given 4.33% annualized returns in the last three years. In the last year, its returns were 10.24%. 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 10.24% 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
AUM2,980Cr
1Y Returns10.2%

UTI Nifty Next 50 Index Fund Direct Growth

Fund Performance: In the last year, its returns were 18.52%. 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 18.52% 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
AUM779Cr
1Y Returns18.5%

UTI Banking & PSU Debt Fund Direct Growth

Fund Performance: This fund has given 4.71% annualized returns in the last three years. In the last year, its returns were 8.33%. 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 8.33% 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
AUM290Cr
1Y Returns8.3%

UTI Hybrid Equity Fund Direct Fund Growth

Fund Performance: This fund has given 4.85% annualized returns in the last three years. In the last year, its returns were 17.07%. 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 17.07% 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
AUM3,838Cr
1Y Returns17.1%

UTI Mid Cap Fund Direct Growth

Fund Performance: This fund has given 6.75% annualized returns in the last three years. In the last year, its returns were 33.66%. 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 33.66% 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
AUM4,727Cr
1Y Returns33.7%

UTI Mastershare Direct Growth

Fund Performance: This fund has given 11.18% annualized returns in the last three years. In the last year, its returns were 23.35%. 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 23.35% 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
AUM7,425Cr
1Y Returns23.4%

UTI Long Term Equity Fund Direct Growth

Fund Performance: This fund has given 9.85% annualized returns in the last three years. In the last year, its returns were 24.27%. 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 24.27% 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
AUM1,661Cr
1Y Returns24.3%

UTI MNC Fund Direct Growth

Fund Performance: This fund has given 5.41% annualized returns in the last three years. In the last year, its returns were 14.83%. 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 14.83% 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
AUM2,309Cr
1Y Returns14.8%

UTI Credit Risk Fund Direct Growth

Fund Performance: This fund has given -9.38% annualized returns in the last three years. In the last year, its returns were -19.19%. 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 -19.19% 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
AUM311Cr
1Y Returns-19.2%

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