Top 10 Uti Mutual Funds

Fund NameCategoryRisk1Y ReturnsRatingFund Size(in Cr)
UTI Transportation and Logistics FundEquityHigh-25.6%5star1,217
UTI MNC FundEquityHigh-10.2%4star2,045
UTI Equity FundEquityModerately High-6.5%3star9,062
UTI Dividend Yield FundEquityModerately High-5.2%2star2,311
UTI Banking & Financial Services FundEquityHigh-5.1%2star603
UTI Infrastructure FundEquityHigh-3.4%2star1,191
UTI Mid Cap FundEquityModerately High-10.0%2star3,422
UTI Long Term Equity Fund (Tax Saving)EquityModerately High-4.7%2star1,146
UTI India Lifestyle FundEquityHigh-9.8%2star242
UTI Healthcare FundEquityHigh-14.4%2star384
UTI Value Opportunities FundEquityModerately High-5.5%2star4,181
UTI Core Equity FundEquityModerately High-8.0%2star833
UTI Banking & Financial Services FundEquityModerate1.4%1star167
View All Top 10 Uti Mutual Funds

Best UTI Equity 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 The Unit Trust of India Act 1963 was repealed, paving way for the bifurcation of UTI into – Specified Undertaking of Unit Trust of India; and UTI Mutual Fund.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.

Equity Savings Fund typically invests the total capital in three segments- pure equity, arbitrage and debt funds. Generally, one-third of the total capital in pure equity, one-third in debt funds and the balance in arbitrage funds. However, the composition varies from fund to fund. The equity component can vary from 20-40% approx and depends on the type of mutual fund.

These funds outperform debt funds over taxation and treated as equity funds for taxation. If sold before a year, short term capital gains are taxed at 15% and if sold after a year, no tax is levied on the gains.

Purpose: Invest here for your longer duration to get higher returns than debt funds.

Let's have a closer look

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

UTI Transportation and Logistics Fund Direct Growth

Fund Performance: This fund has consistently beaten its benchmark in Sectoral/Thematic segment and provided -4.17% annualized returns in the last 3 years. In the last 1 year, it gave -25.61% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided -25.61% returns in the last 1 year. Minimum lump sum investment amount for this scheme is ₹5,000. Minimum SIP investment amount for this scheme is ₹500. This is one of the best Equity mutual fund in India.

Launch Date31 Dec 2012
Min Investment Amt5,000
AUM1,217Cr
1Y Returns-25.6%

UTI MNC Fund Direct Growth

Fund Performance: This fund has consistently beaten its benchmark in Sectoral/Thematic segment and provided 5.62% annualized returns in the last 3 years. In the last 1 year, it gave -10.22% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided -10.22% returns in the last 1 year. Minimum lump sum investment amount for this scheme is ₹5,000. Minimum SIP investment amount for this scheme is ₹500. This is one of the best Equity mutual fund in India.

Launch Date31 Dec 2012
Min Investment Amt5,000
AUM2,045Cr
1Y Returns-10.2%

UTI Equity Fund Direct Growth

Fund Performance: This fund has consistently beaten its benchmark in Multi Cap segment and provided 7.52% annualized returns in the last 3 years. In the last 1 year, it gave -6.54% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided -6.54% returns in the last 1 year. Minimum lump sum investment amount for this scheme is ₹5,000. Minimum SIP investment amount for this scheme is ₹500. This is one of the best Equity mutual fund in India.

Launch Date31 Dec 2012
Min Investment Amt5,000
AUM9,062Cr
1Y Returns-6.5%

UTI Dividend Yield Fund Direct Growth

Fund Performance: This fund has consistently beaten its benchmark in Dividend Yield segment and provided 8.03% annualized returns in the last 3 years. In the last 1 year, it gave -5.23% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided -5.23% returns in the last 1 year. Minimum lump sum investment amount for this scheme is ₹5,000. Minimum SIP investment amount for this scheme is ₹500. This is one of the best Equity mutual fund in India.

Launch Date31 Dec 2012
Min Investment Amt5,000
AUM2,311Cr
1Y Returns-5.2%

UTI Banking and Financial Services Fund Direct Plan Growth

Fund Performance: This fund has consistently beaten its benchmark in Sectoral/Thematic segment and provided 7.68% annualized returns in the last 3 years. In the last 1 year, it gave -5.07% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided -5.07% returns in the last 1 year. Minimum lump sum investment amount for this scheme is ₹5,000. Minimum SIP investment amount for this scheme is ₹500. This is one of the best Equity mutual fund in India.

Launch Date31 Dec 2012
Min Investment Amt5,000
AUM603Cr
1Y Returns-5.1%

UTI Infrastructure Fund Direct Growth

Fund Performance: This fund has consistently beaten its benchmark in Sectoral/Thematic segment and provided 3.61% annualized returns in the last 3 years. In the last 1 year, it gave -3.35% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided -3.35% returns in the last 1 year. Minimum lump sum investment amount for this scheme is ₹5,000. Minimum SIP investment amount for this scheme is ₹500. This is one of the best Equity mutual fund in India.

Launch Date31 Dec 2012
Min Investment Amt5,000
AUM1,191Cr
1Y Returns-3.4%

UTI Mid Cap Fund Direct Growth

Fund Performance: This fund has consistently beaten its benchmark in Mid Cap segment and provided 1.81% annualized returns in the last 3 years. In the last 1 year, it gave -9.98% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided -9.98% returns in the last 1 year. Minimum lump sum investment amount for this scheme is ₹5,000. Minimum SIP investment amount for this scheme is ₹500. This is one of the best Equity mutual fund in India.

Launch Date31 Dec 2012
Min Investment Amt5,000
AUM3,422Cr
1Y Returns-10.0%

UTI Long Term Equity Fund Direct Growth

Fund Performance: This fund has consistently beaten its benchmark in ELSS segment and provided 6.38% annualized returns in the last 3 years. In the last 1 year, it gave -4.68% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided -4.68% returns in the last 1 year. Minimum lump sum investment amount for this scheme is ₹500. Minimum SIP investment amount for this scheme is ₹500. This is one of the best Equity mutual fund in India.

Launch Date31 Dec 2012
Min Investment Amt500
AUM1,146Cr
1Y Returns-4.7%

UTI India Consumer Fund Direct Growth

Fund Performance: This fund has consistently beaten its benchmark in Sectoral/Thematic segment and provided 5.61% annualized returns in the last 3 years. In the last 1 year, it gave -9.84% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided -9.84% returns in the last 1 year. Minimum lump sum investment amount for this scheme is ₹5,000. Minimum SIP investment amount for this scheme is ₹500. This is one of the best Equity mutual fund in India.

Launch Date31 Dec 2012
Min Investment Amt5,000
AUM242Cr
1Y Returns-9.8%

UTI Healthcare Fund Direct Growth

Fund Performance: This fund has consistently beaten its benchmark in Sectoral/Thematic segment and provided -4.28% annualized returns in the last 3 years. In the last 1 year, it gave -14.44% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided -14.44% returns in the last 1 year. Minimum lump sum investment amount for this scheme is ₹5,000. Minimum SIP investment amount for this scheme is ₹500. This is one of the best Equity mutual fund in India.

Launch Date31 Dec 2012
Min Investment Amt5,000
AUM384Cr
1Y Returns-14.4%

UTI Value Opportunities Fund Direct Growth

Fund Performance: This fund has consistently beaten its benchmark in Value segment and provided 5.96% annualized returns in the last 3 years. In the last 1 year, it gave -5.53% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided -5.53% returns in the last 1 year. Minimum lump sum investment amount for this scheme is ₹5,000. Minimum SIP investment amount for this scheme is ₹500. This is one of the best Equity mutual fund in India.

Launch Date31 Dec 2012
Min Investment Amt5,000
AUM4,181Cr
1Y Returns-5.5%

UTI Core Equity Fund Direct Growth

Fund Performance: This fund has consistently beaten its benchmark in Large & Mid Cap segment and provided 4.35% annualized returns in the last 3 years. In the last 1 year, it gave -7.98% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided -7.98% returns in the last 1 year. Minimum lump sum investment amount for this scheme is ₹5,000. Minimum SIP investment amount for this scheme is ₹500. This is one of the best Equity mutual fund in India.

Launch Date31 Dec 2012
Min Investment Amt5,000
AUM833Cr
1Y Returns-8.0%

UTI Banking & PSU Debt Fund Direct Growth

Fund Performance: This fund has consistently beaten its benchmark in Sectoral/Thematic segment and provided 5.14% annualized returns in the last 3 years. In the last 1 year, it gave 1.43% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 1.43% returns in the last 1 year. Minimum lump sum investment amount for this scheme is ₹5,000. Minimum SIP investment amount for this scheme is ₹500. This is one of the best Equity mutual fund in India.

Launch Date02 Feb 2014
Min Investment Amt5,000
AUM167Cr
1Y Returns1.4%

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What does investing in UTI Equity Mutual Funds actually mean?

Suppose a mutual fund invests in ten stocks and total current market value of these stocks is 1.1 Crore. Out of this, the AMC deducts say, 0.1 Crore for operating the fund (this is known as the expense ratio). So the net value is 1 crore. Now the AMC will divide this 1 Crore into say, 10,000 parts. These parts are known as units. The cost of one unit is 1Cr/10,000 = Rs. 1000. This is known as the Net Asset Value (NAV) of the mutual fund. Suppose the AMC has set a minimum investment requirement of Rs. 500. Then if you pay Rs. 500, you will get 0.5 units of the fund. Remember that the cost of one unit is the cost when you made the purchase. Suppose after one year, the NAV has fallen to Rs. 700 per unit and you wish to exit the fund (also known as redemption), then you sell your 0.5 units back to the AMC and get 0.5 x Rs. 700 = Rs. 350 back. Yes, you invested Rs. 500 and got back Rs. 350 – a loss of 150 over a year. The point is, that you buy units at current NAV and sell units (fully or partially) at current NAV. This is what investing in mutual fund actually means.

How to invest in UTI Mutual Funds on Groww?

One of the best ways to hedge against the small-cap volatility is to adopt a phased approach, also known as Systematic Investment Plan (SIP) approach. We are sure that you must be aware of SIP and its benefits. Buying in small quantity but buying regularly provides you with faster growth. On Groww.in, all transactions to and from AMC is done via BSE. When you decide to invest in a large cap mutual fund of your choice, you choose that mutual fund on the website and click ‘invest’. Following that, you are redirected to the BSE page where you make the payment. BSE then directs your money to the AMC managing your mutual fund. To be assured at your end, you can visit the individual AMC website after the payment. You would be able to see all your purchased units against your folio number.

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