UTI Mutual Fund came into existence in 2003 as one of the two divisions of the former Unit Trust of India. Backed by large-scale financial bodies, it is currently the 8th largest fund house in India. As of 2020’s second quarter, the company’s assets under management (AUM) was worth Rs.1.33 lakh crore. It has been one of the country’s leading financial service providers for over 50 years now.
The Asset Management Company (AMC) offers approximately 100+ schemes across various types of funds, including the best UTI hybrid mutual funds.
Also known as balanced funds, hybrid mutual funds invest in multiple fund categories. These funds allocate wealth to more than one asset class, like equity, debt, gold, real estate, etc. Mostly, hybrid mutual funds utilise a combination of investment in equity and debt instruments in varying proportions.
Including multiple assets in a portfolio facilitates effective diversification. This combination of market instruments also mitigates portfolio risk than equity funds and generates higher returns than debt funds.
The top UTI hybrid mutual funds combine assets with low correlation and a decent track record. The company offers over 20 hybrid MF schemes for investors to choose from.
There are 2 broad classifications of hybrid MFs based on asset allocation: equity-oriented and debt-oriented. The former invests a higher percentage in the equity market and the rest in debt instruments, cash and cash derivatives. For debt-oriented funds, it is vice versa. These can be further categorised into multi-asset allocation, aggressive hybrid funds, balanced advantage funds, arbitrage, and conservative hybrid funds.
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| Fund Name | Category | Risk | 1Y Returns | Rating | Fund Size(in Cr) |
|---|---|---|---|---|---|
UTI Liquid Fund | Debt | Low to Moderate | 7.5% | 3 | ₹21,108 |
UTI Nifty 50 Index Fund | Equity | Very High | 19.4% | 2 | ₹20,432 |
UTI Transportation and Logistics Fund | Equity | Very High | 27.9% | -- | ₹3,923 |
UTI Money Market Fund | Debt | Moderate | 7.8% | 4 | ₹13,635 |
UTI Low Duration Fund | Debt | Moderate | 7.8% | 4 | ₹2,706 |
UTI Flexi Cap Fund | Equity | Very High | 24.0% | 1 | ₹27,706 |
UTI Short Duration Fund | Debt | Moderate | 8.8% | 5 | ₹2,567 |
UTI Nifty Next 50 Index Fund | Equity | Very High | 42.6% | 4 | ₹4,973 |
UTI Retirement Fund | Hybrid | High | 19.3% | -- | ₹4,752 |
UTI Banking & PSU Fund | Debt | Moderate | 8.2% | 2 | ₹824 |
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Now let us jump and check about these top 10 mutual fund schemes.
Fund Performance: The UTI Liquid Fund has given 6.42% annualized returns in the past three years and 5.39% in the last 5 years. The UTI Liquid Fund comes under the Debt category of UTI Mutual Funds.
| Min Investment Amt | ₹500 |
|---|---|
| AUM | ₹21,108Cr |
| 1Y Returns | 7.5% |
Fund Performance: The UTI Nifty 50 Index Fund has given 13.61% annualized returns in the past three years and 16.42% in the last 5 years. The UTI Nifty 50 Index Fund comes under the Equity category of UTI Mutual Funds.
Minimum Investment Amount: The minimum amount required to invest in UTI Nifty 50 Index Fund via lump sum is ₹1,000 and via SIP is ₹500.
| Min Investment Amt | ₹1,000 |
|---|---|
| AUM | ₹20,432Cr |
| 1Y Returns | 19.4% |
Fund Performance: The UTI Transportation and Logistics Fund has given 26.17% annualized returns in the past three years and 24.17% 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 | ₹3,923Cr |
| 1Y Returns | 27.9% |
Fund Performance: The UTI Money Market Fund has given 6.7% annualized returns in the past three years and 6.02% 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 | ₹13,635Cr |
| 1Y Returns | 7.8% |
Fund Performance: The UTI Low Duration Fund has given 6.46% annualized returns in the past three years and 7.18% 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 | ₹2,706Cr |
| 1Y Returns | 7.8% |
Fund Performance: The UTI Flexi Cap Fund has given 8.38% annualized returns in the past three years and 18.1% 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 | ₹27,706Cr |
| 1Y Returns | 24.0% |
Fund Performance: The UTI Short Duration Fund has given 6.72% annualized returns in the past three years and 8.1% 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 | ₹2,567Cr |
| 1Y Returns | 8.8% |
Fund Performance: The UTI Nifty Next 50 Index Fund has given 19.99% annualized returns in the past three years and 21.49% in the last 5 years. The UTI Nifty Next 50 Index Fund comes under the Equity 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 ₹1,000 and via SIP is ₹500.
| Min Investment Amt | ₹1,000 |
|---|---|
| AUM | ₹4,973Cr |
| 1Y Returns | 42.6% |
Fund Performance: The UTI Retirement Fund has given 13.18% annualized returns in the past three years and 14.75% in the last 5 years. The UTI Retirement Fund comes under the Hybrid 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 | ₹4,752Cr |
| 1Y Returns | 19.3% |
Fund Performance: The UTI Banking & PSU Fund has given 8.43% annualized returns in the past three years and 7.51% 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 | ₹824Cr |
| 1Y Returns | 8.2% |
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