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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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List of Uti Mutual Funds in India

Fund NameCategoryRisk1Y ReturnsRatingFund Size(in Cr)
UTI Liquid Cash FundDebtLow to Moderate3.5%3₹30,885
UTI Nifty Index FundOtherVery High6.8%3₹6,852
UTI Transportation and Logistics FundEquityVery High9.9%0₹1,674
UTI Money Market FundDebtLow to Moderate3.8%3₹10,561
UTI Treasury Advantage FundDebtLow to Moderate8.8%3₹3,361
UTI Flexi Cap FundEquityVery High-1.5%4₹24,649
UTI Short-term Income FundDebtLow to Moderate8.4%2₹2,510
UTI Nifty Next 50 Index FundOtherVery High2.3%5₹1,721
UTI Retirement Benefit Pension FundSolution OrientedHigh7.4%0₹3,576
UTI Banking & PSU Debt FundDebtModerate8.5%1₹293
UTI Hybrid Equity FundHybridVery High7.9%3₹4,244
UTI Mid Cap FundEquityVery High6.6%3₹6,723
UTI Mastershare FundEquityVery High5.7%4₹9,669
UTI Long Term Equity FundEquityVery High4.4%3₹2,844
UTI MNC FundEquityVery High4.4%0₹2,403
View All

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: The UTI Liquid Cash Fund has given 4.26% annualized returns in the past three years and 5.45% 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₹30,885Cr
1Y Returns3.5%

UTI Nifty Index Fund Direct Growth

Fund Performance: The UTI Nifty Index Fund has given 11.92% annualized returns in the past three years and 12.13% in the last 5 years. The UTI Nifty Index Fund belongs to the Other category of UTI Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in UTI Nifty Index Fund via lump sum is ₹5,000 and via SIP is ₹500.

Min Investment Amt₹5,000
AUM₹6,852Cr
1Y Returns6.8%

UTI Transportation and Logistics Fund Direct Growth

Fund Performance: The UTI Transportation and Logistics Fund has given 12.55% annualized returns in the past three years and 4.88% 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₹1,674Cr
1Y Returns9.9%

UTI Money Market Fund Direct Growth

Fund Performance: The UTI Money Market Fund has given 5.33% annualized returns in the past three years and 6.28% 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₹10,561Cr
1Y Returns3.8%

UTI Treasury Advantage Fund Direct Growth

Fund Performance: The UTI Treasury Advantage Fund has given 3.42% annualized returns in the past three years and 4.9% 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₹3,361Cr
1Y Returns8.8%

UTI Flexi Cap Fund Direct Growth

Fund Performance: The UTI Flexi Cap Fund has given 15.9% annualized returns in the past three years and 13.78% 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₹24,649Cr
1Y Returns-1.5%

UTI Short term Income Direct Growth

Fund Performance: The UTI Short-term Income Fund has given 4.67% annualized returns in the past three years and 5.37% 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₹2,510Cr
1Y Returns8.4%

UTI Nifty Next 50 Index Fund Direct Growth

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₹1,721Cr
1Y Returns2.3%

UTI Retirement Benefit Pension Fund Direct

Fund Performance: The UTI Retirement Benefit Pension Fund has given 8.93% annualized returns in the past three years and 7.38% 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₹3,576Cr
1Y Returns7.4%

UTI Banking & PSU Debt Fund Direct Growth

Fund Performance: The UTI Banking & PSU Debt Fund has given 7.68% annualized returns in the past three years and 5.58% 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₹293Cr
1Y Returns8.5%

UTI Hybrid Equity Fund Direct Fund Growth

Fund Performance: The UTI Hybrid Equity Fund has given 12.4% annualized returns in the past three years and 9.39% in the last 5 years. The UTI Hybrid Equity Fund belongs to the Hybrid category of UTI Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in UTI Hybrid Equity Fund via lump sum is ₹1,000 and via SIP is ₹500.

Min Investment Amt₹1,000
AUM₹4,244Cr
1Y Returns7.9%

UTI Mid Cap Fund Direct Growth

Fund Performance: The UTI Mid Cap Fund has given 19.25% annualized returns in the past three years and 11.91% in the last 5 years. The UTI Mid Cap Fund belongs to the Equity category of UTI Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in UTI Mid Cap Fund via lump sum is ₹5,000 and via SIP is ₹500.

Min Investment Amt₹5,000
AUM₹6,723Cr
1Y Returns6.6%

UTI Mastershare Direct Growth

Fund Performance: The UTI Mastershare Fund has given 13.67% annualized returns in the past three years and 11.92% in the last 5 years. The UTI Mastershare Fund belongs to the Equity category of UTI Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in UTI Mastershare Fund via lump sum is ₹100 and via SIP is ₹100.

Min Investment Amt₹100
AUM₹9,669Cr
1Y Returns5.7%

UTI Long Term Equity Fund Direct Growth

Fund Performance: The UTI Long Term Equity Fund has given 14.51% annualized returns in the past three years and 11.12% in the last 5 years. The UTI Long Term Equity Fund belongs to the Equity category of UTI Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in UTI Long Term Equity Fund via lump sum is ₹500 and via SIP is ₹500.

Min Investment Amt₹500
AUM₹2,844Cr
1Y Returns4.4%

UTI MNC Fund Direct Growth

Fund Performance: The UTI MNC Fund has given 10.05% annualized returns in the past three years and 8.91% in the last 5 years. The UTI MNC Fund belongs to the Equity category of UTI Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in UTI MNC Fund via lump sum is ₹5,000 and via SIP is ₹500.

Min Investment Amt₹5,000
AUM₹2,403Cr
1Y Returns4.4%

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