How to Invest in UTI Gilt Fund Direct Growth?

You can easily invest in UTI Gilt Fund Direct Growth in a hassle-free manner on Groww. The process is extremely simple, quick and completely paperless. Invest in a few minutes with the following steps: Log on to your Groww account Search for UTI Gilt Fund Direct Growth from the search box In order to invest, you will have to complete all the KYC formalities which are completely online and paperless and take a few minutes to complete Once you are done with that, you can start investing in UTI Gilt Fund Direct Growth as SIP or lumpsum as per your investment objective and risk tolerance

What kind of returns does UTI Gilt Fund Direct Growth provide?

The UTI Gilt Fund Direct Growth has been there from 01 Jan 2013 and the average annual returns provided by this fund is 5.31% since its inception.

How much expense ratio is charged by UTI Gilt Fund Direct Growth?

The term Expense Ratio used for UTI Gilt Fund Direct Growth or any other mutual fund is the annual charges one needs to pay to the Mutual Fund company for managing your investments in that fund. The Expense Ratio of UTI Gilt Fund Direct Growth is 0.50% as of 20 Jan 2026...

What is the AUM of UTI Gilt Fund Direct Growth?

The AUM, short for Assets Under Management of UTI Gilt Fund Direct Growth is ₹545.23Cr as of 20 Jan 2026.

How to Redeem UTI Gilt Fund Direct Growth?

If you want to sell your UTI Gilt Fund Direct Growth holdings, go to your holding on the app or web and simply click on it. You will get two options - redeem & invest more; click on redeem and enter your desired amount or if you wish to redeem the entire holding amount then select the 'redeem all' checkbox.

Can I invest in SIP and Lump Sum of UTI Gilt Fund Direct Growth?

You can select either SIP or Lumpsum investment of UTI Gilt Fund Direct Growth based on your investment objective and risk tolerance.

What is the NAV of UTI Gilt Fund Direct Growth?

The NAV of UTI Gilt Fund Direct Growth is ₹65.69 as of 19 Jan 2026.

What is the PE and PB ratio of UTI Gilt Fund Direct Growth?

The PE ratio ratio of UTI Gilt Fund Direct Growth is determined by dividing the market price by its earnings per share and the PB ratio of the same is evaluated by dividing the stock price per share by its book value per share (BVPS).

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UTI Gilt Fund Direct Growth

Name: UTI Gilt Fund Direct Growth
Brand: UTI Mutual Fund

Debt

Gilt

Moderate Risk

+6.92%

3Y annualised

+0.02% 1D

All

NAV: 19 Jan '26

₹65.69

Min. SIP amount

₹500

Fund size

₹545.23 Cr

Expense ratio

0.50%

Return calculator

Monthly SIP

One time

Monthly investment

₹5,000

Over the past	Total investment	Would've become	Returns
1 year	₹60,000	₹61,982	+3.30%
3 years	₹1,80,000	₹2,01,260	+11.81%
5 years	₹3,00,000	₹3,51,736	+17.25%
10 years	₹6,00,000	₹8,62,315	+43.72%

Holdings (7)

Name	Sector	Instruments	Assets
GOI	Sovereign	GOI Sec	46.98%
GOI	Sovereign	GOI Sec	18.12%
GOI	Sovereign	GOI Sec	16.36%
Assam State	Others	SDL	5.44%
GOI	Sovereign	GOI Sec	4.63%
GOI	Sovereign	GOI Sec	3.67%
Uttarakhand State	Others	SDL	1.57%

Minimum investments

Min. for 1st investment

₹500

Min. for 2nd investment

₹500

Min. for SIP

₹500

Returns and rankings

Annualised returns

Absolute returns

Name	3Y	5Y	10Y	All
Fund returns	+6.9%	+5.4%	+7.7%	+8.1%
Category average (Debt Gilt)	+6.8%	+4.9%	+7.0%	--
Rank (Debt Gilt)	12	10	10	--

Exit load, stamp duty and tax

Exit load

Nil

Stamp duty on investment: 0.005% (from July 1st, 2020)

from July 1st 2020

Tax implication

Returns are taxed as per your Income Tax slab.

Check past data

Compare similar funds

	Name	1Y	3Y	Fund Size(Cr)
	ICICI Prudential Gilt Fund Direct Plan Growth	+6.66%	+8.03%	9,181.38
	Baroda BNP Paribas Gilt Fund Direct Growth	+5.04%	+7.36%	1,183.68
	SBI Gilt Fund Direct Growth	+4.90%	+7.15%	10,816.83
	HDFC Gilt Fund Direct Growth	+5.03%	+7.06%	2,914.19
	Franklin India Government Securities Fund Direct Growth	+5.18%	+6.34%	186.64
Compare

Fund management

PP
Pankaj Pathak
Apr 2025 - Present
View details

Education

Mr. Pankaj is a CFA (CFA Institute, USA) and PG Diploma in Banking & Finance (NIBM, Pune).

Experience

Prior to joining UTI AMC, he has worked with Quantum Asset Management Company and Bank of Maharashtra in Treasury Department.

Also manages these schemes

UTI Floater Fund Direct Growth

UTI Dynamic Bond Fund Direct Growth

UTI Long Duration Fund Direct Growth

UTI Gilt Fund Direct Growth

About UTI Gilt Fund Direct Growth

UTI Gilt Fund Direct Growth is a Debt Mutual Fund Scheme launched by UTI Mutual Fund. This scheme was made available to investors on 14 Nov 2002. Pankaj Pathak is the Current Fund Manager of UTI Gilt Fund Direct Growth fund. The fund currently has an Asset Under Management(AUM) of ₹3,94,217 Cr and the Latest NAV as of 19 Jan 2026 is ₹65.69. The UTI Gilt Fund Direct Growth is rated Moderate risk. Minimum SIP Investment is set to ₹500. Minimum Lumpsum Investment is ₹500. ;