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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 Debt Mutual Funds in India

Fund NameCategoryRisk1Y ReturnsRatingFund Size(in Cr)
UTI Liquid Fund
DebtModerate7.3%4₹22,271
UTI Nifty 50 Index Fund
OtherVery High28.0%3₹15,301
UTI Transportation and Logistics Fund
EquityVery High56.4%--₹2,868
UTI Money Market Fund
DebtModerate7.7%4₹13,353
UTI Low Duration Fund
DebtLow to Moderate7.5%5₹3,147
UTI Flexi Cap Fund
EquityVery High21.5%2₹25,156
UTI Short Duration Fund
DebtModerate8.3%5₹2,378
UTI Nifty Next 50 Index Fund
OtherVery High58.0%1₹3,145
UTI Retirement Fund
Solution OrientedHigh21.1%--₹4,263
UTI Banking & PSU Fund
DebtModerate7.8%--₹944
View All

Let's have a closer look

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

UTI Liquid Direct Growth

Fund Performance: The UTI Liquid Fund has given 5.35% annualized returns in the past three years and 5.27% in the last 5 years. The UTI Liquid Fund comes under the Debt category of UTI Mutual Funds.

Min Investment Amt₹500
AUM₹22,271Cr
1Y Returns7.3%

UTI Nifty 50 Index Fund Direct Growth

Fund Performance: The UTI Nifty 50 Index Fund has given 15.82% annualized returns in the past three years and 16.58% 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 ₹5,000 and via SIP is ₹500.

Min Investment Amt₹5,000
AUM₹15,301Cr
1Y Returns28.0%

UTI Transportation and Logistics Fund Direct Growth

Fund Performance: The UTI Transportation and Logistics Fund has given 25.73% annualized returns in the past three years and 21.21% 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₹2,868Cr
1Y Returns56.4%

UTI Money Market Fund Direct Growth

Fund Performance: The UTI Money Market Fund has given 5.66% annualized returns in the past three years and 6.08% 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₹13,353Cr
1Y Returns7.7%

UTI Low Duration Fund Direct Growth

Fund Performance: The UTI Low Duration Fund has given 7.26% annualized returns in the past three years and 4.74% 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₹3,147Cr
1Y Returns7.5%

UTI Flexi Cap Fund Direct Growth

Fund Performance: The UTI Flexi Cap Fund has given 9.96% annualized returns in the past three years and 16.2% 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₹25,156Cr
1Y Returns21.5%

UTI Short Duration Direct Growth

Fund Performance: The UTI Short Duration Fund has given 7.64% annualized returns in the past three years and 5.73% 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₹2,378Cr
1Y Returns8.3%

UTI Nifty Next 50 Index Fund Direct Growth

Fund Performance: The UTI Nifty Next 50 Index Fund has given 20.1% annualized returns in the past three years and 18.41% 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 ₹5,000 and via SIP is ₹500.

Min Investment Amt₹5,000
AUM₹3,145Cr
1Y Returns58.0%

UTI Retirement Fund Direct

Fund Performance: The UTI Retirement Fund has given 13.72% annualized returns in the past three years and 11.91% 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₹4,263Cr
1Y Returns21.1%

UTI Banking & PSU Fund Direct Growth

Fund Performance: The UTI Banking & PSU Fund has given 7.38% annualized returns in the past three years and 6.14% 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₹944Cr
1Y Returns7.8%

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