Top 10 Uti Mutual Funds

Fund NameCategoryRisk1Y ReturnsRatingFund Size(in Cr)
UTI Charitable and Religious TrustsHybridModerately High8.8%4star726
UTI Regular Savings FundHybridModerately High3.2%4star2,520
UTI Monthly Income SchemeHybridModerate6.0%3star264
UTI Arbitrage FundHybridModerately Low6.7%3star1,197
UTI Hybrid Equity FundHybridModerately High-5.5%3star6,272
UTI Unit Linked Insurance PlanHybridModerately High2.5%2star4,189
UTI Mahila Unit SchemeHybridModerately High8.3%2star378
UTI Multi Asset FundHybridModerately High-0.2%1star896
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 The Unit Trust of India Act 1963 was repealed, paving way for the bifurcation of UTI into – Specified Undertaking of Unit Trust of India; and UTI Mutual Fund.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-MIS Advantage Plan - Direct - Growth

Fund Performance: This fund has consistently beaten its benchmark in Conservative segment and provided 9.4% annualized returns in the last 3 years. In the last 1 year, it gave 8.75% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 8.75% returns in the last 1 year. Groww rated this fund as 4 Star. This is one of the best Hybrid mutual fund in India.

Fund Manager: V Srivatsa, Amandeep Chopra

Launch Date8 Jan 2013
Min Investment Amt10,000
Groww Rating4star
AUM726Cr
1Y Returns8.8%

UTI Regular Savings Fund - Direct - Growth

Fund Performance: This fund has consistently beaten its benchmark in Conservative segment and provided 8.91% annualized returns in the last 3 years. In the last 1 year, it gave 3.23% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 3.23% returns in the last 1 year. Groww rated this fund as 4 Star. This is one of the best Hybrid mutual fund in India.

Fund Manager: Amandeep Chopra, Ajay Tyagi

Launch Date31 Dec 2012
Min Investment Amt5,000
Groww Rating4star
AUM2,520Cr
1Y Returns3.2%

UTI Regular Savings Fund - Direct - Growth

Fund Performance: This fund has consistently beaten its benchmark in Conservative segment and provided 7.99% annualized returns in the last 3 years. In the last 1 year, it gave 5.96% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 5.96% returns in the last 1 year. Groww rated this fund as 3 Star. This is one of the best Hybrid mutual fund in India.

Fund Manager: V Srivatsa, Amandeep Chopra

Launch Date31 Dec 2012
Min Investment Amt5,000
Groww Rating3star
AUM264Cr
1Y Returns6.0%

UTI Arbitrage Fund - Direct - Growth

Fund Performance: This fund has consistently beaten its benchmark in Arbitrage segment and provided 6.64% annualized returns in the last 3 years. In the last 1 year, it gave 6.67% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 6.67% returns in the last 1 year. Groww rated this fund as 3 Star. This is one of the best Hybrid mutual fund in India.

Fund Manager: Kaushik Basu

Launch Date31 Dec 2012
Min Investment Amt5,000
Groww Rating3star
AUM1,197Cr
1Y Returns6.7%

UTI Hybrid Equity Fund - Direct - Growth

Fund Performance: This fund has consistently beaten its benchmark in Aggressive segment and provided 9.95% annualized returns in the last 3 years. In the last 1 year, it gave -5.55% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided -5.55% returns in the last 1 year. Groww rated this fund as 3 Star. This is one of the best Hybrid mutual fund in India.

Fund Manager: V Srivatsa

Launch Date31 Dec 2012
Min Investment Amt1,000
Groww Rating3star
AUM6,272Cr
1Y Returns-5.5%

UTI Unit Linked Insurance Plan - Direct

Fund Performance: This fund has consistently beaten its benchmark in ULIP segment and provided 9.29% annualized returns in the last 3 years. In the last 1 year, it gave 2.53% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 2.53% returns in the last 1 year. Groww rated this fund as 2 Star. This is one of the best Hybrid mutual fund in India.

Fund Manager: Amandeep Chopra, Ajay Tyagi

Launch Date31 Dec 2012
Min Investment Amt15,000
Groww Rating2star
AUM4,189Cr
1Y Returns2.5%

UTI Mahila Unit Scheme - Direct - Growth

Fund Performance: This fund has consistently beaten its benchmark in ULIP segment and provided 8.91% annualized returns in the last 3 years. In the last 1 year, it gave 8.33% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 8.33% returns in the last 1 year. Groww rated this fund as 2 Star. This is one of the best Hybrid mutual fund in India.

Fund Manager: Amandeep Chopra, Ajay Tyagi

Launch Date31 Dec 2012
Min Investment Amt1,000
Groww Rating2star
AUM378Cr
1Y Returns8.3%

UTI Multi Asset Fund - Direct - Growth

Fund Performance: This fund has consistently beaten its benchmark in Multi Asset Allocation segment and provided 8.92% annualized returns in the last 3 years. In the last 1 year, it gave -0.19% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided -0.19% returns in the last 1 year. Groww rated this fund as 1 Star. This is one of the best Hybrid mutual fund in India.

Fund Manager: V Srivatsa

Launch Date31 Dec 2012
Min Investment Amt5,000
Groww Rating1star
AUM896Cr
1Y Returns-0.2%

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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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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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