Top 10 Uti Mutual Funds

Fund NameCategoryRisk1Y ReturnsRatingFund Size(in Cr)
UTI Transportation and Logistics FundEquityHigh-13.8%5star1,398
UTI Banking & Financial Services FundEquityModerate6.2%4star790
UTI Banking & Financial Services FundEquityHigh-5.0%4star611
UTI Infrastructure FundEquityHigh-13.1%4star1,264
UTI Equity FundEquityModerately High8.0%4star7,970
UTI MNC FundEquityHigh4.4%4star1,957
UTI Long Term Advantage Fund - Series VEquityModerately High-9.8%3star0
UTI Dividend Yield FundEquityModerately High3.4%2star2,496
UTI Mid Cap FundEquityModerately High-10.4%2star3,560
UTI Long Term Equity Fund (Tax Saving)EquityModerately High-3.1%2star964
UTI India Lifestyle FundEquityHigh1.9%2star255
UTI Healthcare FundEquityHigh-2.7%2star441
UTI Value Opportunities FundEquityModerately High1.6%2star4,228
UTI Bluechip Flexicap FundEquityModerately High24.3%2star2,247
UTI Mastershare Unit SchemeEquityModerately High3.9%2star5,404
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 The Unit Trust of India Act 1963 was repealed, paving way for the bifurcation of UTI into – Specified Undertaking of Unit Trust of India; and UTI Mutual Fund.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 7.82% annualized returns in the last 3 years. In the last 1 year, it gave -13.81% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided -13.81% returns in the last 1 year. Groww rated this fund as 5 Star. This is one of the best Equity mutual fund in India.

Fund Manager: Sachin Trivedi

Launch Date31 Dec 2012
Min Investment Amt5,000
Groww Rating5star
AUM1,398Cr
1Y Returns-13.8%

UTI Banking & Financial Services Fund - Direct - Growth

Fund Performance: This fund has consistently beaten its benchmark in Sectoral/Thematic segment and provided 8.28% annualized returns in the last 3 years. In the last 1 year, it gave 6.19% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 6.19% returns in the last 1 year. Groww rated this fund as 4 Star. This is one of the best Equity mutual fund in India.

Fund Manager: Sudhir Agrawal

Launch Date2 Feb 2014
Min Investment Amt5,000
Groww Rating4star
AUM790Cr
1Y Returns6.2%

UTI Banking & Financial Services Fund - Direct - Growth

Fund Performance: This fund has consistently beaten its benchmark in Sectoral/Thematic segment and provided 16.3% annualized returns in the last 3 years. In the last 1 year, it gave -4.96% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided -4.96% returns in the last 1 year. Groww rated this fund as 4 Star. This is one of the best Equity mutual fund in India.

Fund Manager: Sudhir Agrawal

Launch Date31 Dec 2012
Min Investment Amt5,000
Groww Rating4star
AUM611Cr
1Y Returns-5.0%

UTI Infrastructure Fund - Direct - Growth

Fund Performance: This fund has consistently beaten its benchmark in Sectoral/Thematic segment and provided 8.37% annualized returns in the last 3 years. In the last 1 year, it gave -13.14% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided -13.14% returns in the last 1 year. Groww rated this fund as 4 Star. This is one of the best Equity mutual fund in India.

Fund Manager: Sanjay Dongre

Launch Date31 Dec 2012
Min Investment Amt5,000
Groww Rating4star
AUM1,264Cr
1Y Returns-13.1%

UTI Equity Fund - Direct - Growth

Fund Performance: This fund has consistently beaten its benchmark in Multi Cap segment and provided 12.47% 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. Groww rated this fund as 4 Star. This is one of the best Equity mutual fund in India.

Fund Manager: Ajay Tyagi

Launch Date31 Dec 2012
Min Investment Amt5,000
Groww Rating4star
AUM7,970Cr
1Y Returns8.0%

UTI MNC Fund - Direct - Growth

Fund Performance: This fund has consistently beaten its benchmark in Sectoral/Thematic segment and provided 11.38% annualized returns in the last 3 years. In the last 1 year, it gave 4.43% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 4.43% returns in the last 1 year. Groww rated this fund as 4 Star. This is one of the best Equity mutual fund in India.

Fund Manager: Swati Kulkarni

Launch Date31 Dec 2012
Min Investment Amt5,000
Groww Rating4star
AUM1,957Cr
1Y Returns4.4%

UTI Long Term Advantage Fund - Series V - Direct - Growth

Fund Performance: This fund has consistently beaten its benchmark in Tax Planning segment and provided -100% annualized returns in the last 3 years. In the last 1 year, it gave -9.83% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided -9.83% returns in the last 1 year. Groww rated this fund as 3 Star. This is one of the best Equity mutual fund in India.

Fund Manager: Lalit Nambiar

Launch Date28 Mar 2017
Min Investment Amt500
Groww Rating3star
AUM0Cr
1Y Returns-9.8%

UTI Dividend Yield Fund - Direct - Growth

Fund Performance: This fund has consistently beaten its benchmark in Dividend Yield segment and provided 12.87% annualized returns in the last 3 years. In the last 1 year, it gave 3.42% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 3.42% returns in the last 1 year. Groww rated this fund as 2 Star. This is one of the best Equity mutual fund in India.

Fund Manager: Swati Kulkarni

Launch Date31 Dec 2012
Min Investment Amt5,000
Groww Rating2star
AUM2,496Cr
1Y Returns3.4%

UTI Mid Cap Fund - Direct - Growth

Fund Performance: This fund has consistently beaten its benchmark in Mid Cap segment and provided 9.36% annualized returns in the last 3 years. In the last 1 year, it gave -10.42% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided -10.42% returns in the last 1 year. Groww rated this fund as 2 Star. This is one of the best Equity mutual fund in India.

Fund Manager: Lalit Nambiar

Launch Date31 Dec 2012
Min Investment Amt5,000
Groww Rating2star
AUM3,560Cr
1Y Returns-10.4%

UTI Long Term Equity Fund (Tax Saving) - Direct - Growth

Fund Performance: This fund has consistently beaten its benchmark in ELSS segment and provided 11.08% annualized returns in the last 3 years. In the last 1 year, it gave -3.1% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided -3.1% returns in the last 1 year. Groww rated this fund as 2 Star. This is one of the best Equity mutual fund in India.

Fund Manager: Vetri Subramaniam, Lalit Nambiar

Launch Date31 Dec 2012
Min Investment Amt500
Groww Rating2star
AUM964Cr
1Y Returns-3.1%

UTI India Lifestyle Fund - Direct - Growth

Fund Performance: This fund has consistently beaten its benchmark in Sectoral/Thematic segment and provided -100% annualized returns in the last 3 years. In the last 1 year, it gave 1.87% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 1.87% returns in the last 1 year. Groww rated this fund as 2 Star. This is one of the best Equity mutual fund in India.

Fund Manager: Lalit Nambiar, Vishal Chopda

Launch Date31 Dec 2012
Min Investment Amt5,000
Groww Rating2star
AUM255Cr
1Y Returns1.9%

UTI Healthcare Fund - Direct - Growth

Fund Performance: This fund has consistently beaten its benchmark in Sectoral/Thematic segment and provided -2.23% annualized returns in the last 3 years. In the last 1 year, it gave -2.66% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided -2.66% returns in the last 1 year. Groww rated this fund as 2 Star. This is one of the best Equity mutual fund in India.

Fund Manager: V Srivatsa, Ritesh Rathod

Launch Date31 Dec 2012
Min Investment Amt5,000
Groww Rating2star
AUM441Cr
1Y Returns-2.7%

UTI Value Opportunities Fund - Direct - Growth

Fund Performance: This fund has consistently beaten its benchmark in Value segment and provided 10.52% annualized returns in the last 3 years. In the last 1 year, it gave 1.57% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 1.57% returns in the last 1 year. Groww rated this fund as 2 Star. This is one of the best Equity mutual fund in India.

Fund Manager: Vetri Subramaniam, Amit Premchandani

Launch Date31 Dec 2012
Min Investment Amt5,000
Groww Rating2star
AUM4,228Cr
1Y Returns1.6%

UTI Equity Fund - Direct - Growth

Fund Performance: This fund has consistently beaten its benchmark in Multi Cap segment and provided 12.97% annualized returns in the last 3 years. In the last 1 year, it gave 24.33% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 24.33% returns in the last 1 year. Groww rated this fund as 2 Star. This is one of the best Equity mutual fund in India.

Fund Manager: Ajay Tyagi

Launch Date31 Dec 2012
Min Investment Amt5,000
Groww Rating2star
AUM2,247Cr
1Y Returns24.3%

UTI Mastershare Unit Scheme - Direct - Growth

Fund Performance: This fund has consistently beaten its benchmark in Large Cap segment and provided 11.96% annualized returns in the last 3 years. In the last 1 year, it gave 3.93% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 3.93% returns in the last 1 year. Groww rated this fund as 2 Star. This is one of the best Equity mutual fund in India.

Fund Manager: Swati Kulkarni

Launch Date31 Dec 2012
Min Investment Amt100
Groww Rating2star
AUM5,404Cr
1Y Returns3.9%

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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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Mutual fund investments are subject to market risks. Please read the scheme information and other related documents carefully before investing.
Past performance is not indicative of future returns. Please consider your specific investment requirements, risk tolerance, investment goal, time frame, risk and reward balance and the cost associated with the investment before choosing a fund, or designing a portfolio that suits your needs.
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