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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 The Unit Trust of India Act 1963 was repealed, paving way for the bifurcation of UTI into – Specified Undertaking of Unit Trust of India; and UTI Mutual Fund.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 Moderate3.6%3star23,749
UTI Nifty Index FundEquityVery High64.1%4star3,592
UTI Transportation and Logistics FundEquityVery High85.5%5star1,417
UTI Money Market FundDebtLow to Moderate5.6%3star6,800
UTI Treasury Advantage FundDebtLow to Moderate6.6%2star3,312
UTI Flexi Cap FundEquityVery High77.8%5star16,717
UTI Short Term Income FundDebtLow to Moderate9.8%2star3,312
UTI Nifty Next 50 Index FundEquityVery High54.7%3star922
UTI Banking & Financial Services FundDEBTModerate7.8%1star273
UTI Hybrid Equity FundHybridVery High55.7%2star3,808
UTI Mid Cap FundEquityVery High87.5%3star5,190
UTI Mastershare Unit SchemeEquityVery High62.4%4star7,739
UTI Long Term Equity Fund (Tax Saving)EquityVery High66.7%4star1,800
UTI MNC FundEquityVery High36.6%4star2,345
UTI Credit Risk FundDebtModerately High-1.8%1star319
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 5.77% annualized returns in the last three years. In the last year, its returns were 3.62%. 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 3.62% 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
AUM23,749Cr
1Y Returns3.6%

UTI Nifty Index Fund Direct Growth

Fund Performance: This fund has given 13.68% annualized returns in the last three years. In the last year, its returns were 64.12%. 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 64.12% 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
AUM3,592Cr
1Y Returns64.1%

UTI Transportation and Logistics Fund Direct Growth

Fund Performance: This fund has given -1.03% annualized returns in the last three years. In the last year, its returns were 85.5%. 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 85.5% 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
AUM1,417Cr
1Y Returns85.5%

UTI Money Market Fund Direct Growth

Fund Performance: This fund has given 7.06% annualized returns in the last three years. In the last year, its returns were 5.59%. 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 5.59% 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
AUM6,800Cr
1Y Returns5.6%

UTI Treasury Advantage Fund Direct Growth

Fund Performance: This fund has given 3.03% annualized returns in the last three years. In the last year, its returns were 6.62%. 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 6.62% 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
AUM3,312Cr
1Y Returns6.6%

UTI Flexi Cap Fund Direct Growth

Fund Performance: This fund has given 18.31% annualized returns in the last three years. In the last year, its returns were 77.85%. 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 77.85% 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
AUM16,717Cr
1Y Returns77.8%

UTI Short term Income Direct Growth

Fund Performance: This fund has given 3.97% annualized returns in the last three years. In the last year, its returns were 9.78%. 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 9.78% 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
AUM3,312Cr
1Y Returns9.8%

UTI Nifty Next 50 Index Fund Direct Growth

Fund Performance: In the last year, its returns were 54.73%. 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 54.73% 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
AUM922Cr
1Y Returns54.7%

UTI Banking & PSU Debt Fund Direct Growth

Fund Performance: This fund has given 4.26% annualized returns in the last three years. In the last year, its returns were 7.8%. 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 7.8% 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
AUM273Cr
1Y Returns7.8%

UTI Hybrid Equity Fund Direct Fund Growth

Fund Performance: This fund has given 8.01% annualized returns in the last three years. In the last year, its returns were 55.69%. 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 55.69% 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
AUM3,808Cr
1Y Returns55.7%

UTI Mid Cap Fund Direct Growth

Fund Performance: This fund has given 10.81% annualized returns in the last three years. In the last year, its returns were 87.48%. 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 87.48% 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
AUM5,190Cr
1Y Returns87.5%

UTI Mastershare Direct Growth

Fund Performance: This fund has given 13.48% annualized returns in the last three years. In the last year, its returns were 62.35%. 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 62.35% 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
AUM7,739Cr
1Y Returns62.4%

UTI Long Term Equity Fund Direct Growth

Fund Performance: This fund has given 12.58% annualized returns in the last three years. In the last year, its returns were 66.71%. 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 66.71% 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
AUM1,800Cr
1Y Returns66.7%

UTI MNC Fund Direct Growth

Fund Performance: This fund has given 7.12% annualized returns in the last three years. In the last year, its returns were 36.62%. 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 36.62% 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
AUM2,345Cr
1Y Returns36.6%

UTI Credit Risk Fund Direct Growth

Fund Performance: This fund has given -9.66% annualized returns in the last three years. In the last year, its returns were -1.78%. 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 -1.78% 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
AUM319Cr
1Y Returns-1.8%

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