Top 10 Uti Mutual Funds

Fund NameCategoryRisk1Y ReturnsRatingFund Size(in Cr)
UTI Regular Savings FundHybridModerately High0.7%4star2,379
UTI Arbitrage FundHybridModerately Low7.3%3star2,374
UTI Multi Asset FundHybridModerately High-0.7%2star730
UTI Hybrid Equity FundHybridModerately High-5.7%2star4,913
View All Top 10 Uti Mutual Funds

Best UTI Hybrid 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 The Unit Trust of India Act 1963 was repealed, paving way for the bifurcation of UTI into – Specified Undertaking of Unit Trust of India; and UTI Mutual Fund.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 we allocate 65 to 80 percent of a fund to equity and assign remaining to debt and similar instruments, then what we get in return is a Hybrid-Equity fund. These funds allow you to enjoy good returns and low-risk rates courtesy their significant allocation in debt funds. Market gurus believe that it is better to invest in these than to go for an equity-debt portfolio as there is no tax imposed on the debt funds in the mix. It has returns that are taxed at 15% if sold before one year, post this period a 10% tax is applicable on the gains.

Purpose: Invest in these funds instead of buying a different kind of equity-debt funds with 60-40 allocations. These funds are best to moderate your risk with a fair return in the high-risk portfolio.

Let's have a closer look

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

UTI Regular Savings Fund Direct Growth

Fund Performance: This fund has consistently beaten its benchmark in Conservative segment and provided 5.94% annualized returns in the last 3 years. In the last 1 year, it gave 0.66% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 0.66% 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 Hybrid mutual fund in India.

Launch Date31 Dec 2012
Min Investment Amt5,000
AUM2,379Cr
1Y Returns0.7%

UTI Arbitrage Fund Direct Growth

Fund Performance: This fund has consistently beaten its benchmark in Arbitrage segment and provided 6.68% annualized returns in the last 3 years. In the last 1 year, it gave 7.31% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 7.31% 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 Hybrid mutual fund in India.

Launch Date31 Dec 2012
Min Investment Amt5,000
AUM2,374Cr
1Y Returns7.3%

UTI Multi Asset Fund Direct Growth

Fund Performance: This fund has consistently beaten its benchmark in Multi Asset Allocation segment and provided 5.21% annualized returns in the last 3 years. In the last 1 year, it gave -0.72% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided -0.72% 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 Hybrid mutual fund in India.

Launch Date31 Dec 2012
Min Investment Amt5,000
AUM730Cr
1Y Returns-0.7%

UTI Hybrid Equity Fund Direct Fund Growth

Fund Performance: This fund has consistently beaten its benchmark in Aggressive segment and provided 5.09% annualized returns in the last 3 years. In the last 1 year, it gave -5.69% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided -5.69% returns in the last 1 year. Minimum lump sum investment amount for this scheme is ₹1,000. Minimum SIP investment amount for this scheme is ₹500. This is one of the best Hybrid mutual fund in India.

Launch Date31 Dec 2012
Min Investment Amt1,000
AUM4,913Cr
1Y Returns-5.7%

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What does investing in UTI Hybrid 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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