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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 The Unit Trust of India Act 1963 was repealed, paving way for the bifurcation of UTI into – Specified Undertaking of Unit Trust of India; and UTI Mutual Fund.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 PlanDebtLow to Moderate3.3%3star26,230
UTI Nifty Index FundOtherVery High40.5%4star4,211
UTI Transportation and Logistics FundEquityVery High44.8%5star1,458
UTI Money Market FundDebtLow to Moderate4.1%3star6,636
UTI Treasury Advantage FundDebtLow to Moderate4.4%2star3,853
UTI Flexi Cap FundEquityVery High64.1%5star19,579
UTI Short Term Income FundDebtLow to Moderate5.4%2star3,420
UTI Nifty Next 50 Index FundOtherVery High48.9%2star1,097
UTI Banking & Financial Services FundDebtModerate3.7%1star257
UTI Hybrid Equity FundHybridVery High46.5%2star4,046
UTI Mid Cap FundEquityVery High75.9%3star5,895
UTI Mastershare Unit SchemeEquityVery High48.3%4star8,427
UTI Long Term Equity Fund (Tax Saving)EquityVery High57.8%3star1,974
UTI MNC FundEquityVery High33.0%4star2,469
UTI Credit Risk FundDebtModerately High6.7%1star354
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 5.37% annualized returns in the last three years. In the last year, its returns were 3.3%. 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 3.3% 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
AUM26,230Cr
1Y Returns3.3%

UTI Nifty Index Fund Direct Growth

Fund Performance: This fund has given 12.69% annualized returns in the last three years. In the last year, its returns were 40.52%. 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 40.52% 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
AUM4,211Cr
1Y Returns40.5%

UTI Transportation and Logistics Fund Direct Growth

Fund Performance: This fund has given 0.87% annualized returns in the last three years. In the last year, its returns were 44.8%. 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 44.8% 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
AUM1,458Cr
1Y Returns44.8%

UTI Money Market Fund Direct Growth

Fund Performance: This fund has given 6.68% annualized returns in the last three years. In the last year, its returns were 4.08%. 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 4.08% 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
AUM6,636Cr
1Y Returns4.1%

UTI Treasury Advantage Fund Direct Growth

Fund Performance: This fund has given 2.88% annualized returns in the last three years. In the last year, its returns were 4.44%. 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 4.44% 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
AUM3,853Cr
1Y Returns4.4%

UTI Flexi Cap Fund Direct Growth

Fund Performance: This fund has given 18.61% annualized returns in the last three years. In the last year, its returns were 64.08%. 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 64.08% 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
AUM19,579Cr
1Y Returns64.1%

UTI Short term Income Direct Growth

Fund Performance: This fund has given 4.19% annualized returns in the last three years. In the last year, its returns were 5.39%. 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 5.39% 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
AUM3,420Cr
1Y Returns5.4%

UTI Nifty Next 50 Index Fund Direct Growth

Fund Performance: This fund has given 10.89% annualized returns in the last three years. In the last year, its returns were 48.92%. 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 48.92% 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
AUM1,097Cr
1Y Returns48.9%

UTI Banking & PSU Debt Fund Direct Growth

Fund Performance: This fund has given 4.3% annualized returns in the last three years. In the last year, its returns were 3.71%. 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 3.71% 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
AUM257Cr
1Y Returns3.7%

UTI Hybrid Equity Fund Direct Fund Growth

Fund Performance: This fund has given 11.8% annualized returns in the last three years. In the last year, its returns were 46.5%. 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 46.5% 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
AUM4,046Cr
1Y Returns46.5%

UTI Mid Cap Fund Direct Growth

Fund Performance: This fund has given 18.21% annualized returns in the last three years. In the last year, its returns were 75.9%. 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 75.9% 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
AUM5,895Cr
1Y Returns75.9%

UTI Mastershare Direct Growth

Fund Performance: This fund has given 14.34% annualized returns in the last three years. In the last year, its returns were 48.29%. 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 48.29% 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
AUM8,427Cr
1Y Returns48.3%

UTI Long Term Equity Fund Direct Growth

Fund Performance: This fund has given 16.42% annualized returns in the last three years. In the last year, its returns were 57.81%. 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 57.81% 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
AUM1,974Cr
1Y Returns57.8%

UTI MNC Fund Direct Growth

Fund Performance: This fund has given 9.51% annualized returns in the last three years. In the last year, its returns were 33.01%. 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 33.01% 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
AUM2,469Cr
1Y Returns33.0%

UTI Credit Risk Fund Direct Growth

Fund Performance: This fund has given -9.37% annualized returns in the last three years. In the last year, its returns were 6.72%. 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 6.72% 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
AUM354Cr
1Y Returns6.7%

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