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UTI Mutual Fund

UTI Asset Management Company Ltd

About UTI Mutual Fund

The UTI mutual fund is a public mutual fund registered with the Securities and Exchange Board of India (SEBI) on 1 February 2003. Erstwhile UTI (Unit Trust of India) was annulled which led to its bifurcation into two - Specified Undertaking of Unit Trust of India (SUUTI) and UTI Mutual Fund (UTIMF).

Although not a government entity in its entirety, 74% stake of UTI Asset Management Company Limited (UTI AMC) is owned by 4 main public sector organizations - Life Insurance Corp. of India (LIC), State Bank of India (SBI), Punjab National Bank (PNB) and Bank of Baroda (BoB). 26% stake is owned by T Rowe Price Group Inc (TRP Group), through its subsidiary T Rowe Price Global Investment Services Ltd. (TRP).

UTIMF, headquartered in Mumbai, Maharashtra, India, is one of the oldest and largest ones in the market with over 12 million investor accounts registered under more than 250 schemes/plans (some of which will be discussed later) with a total AuM of nearly 1.59 trillion INR. Some of the services offered include, Portfolio Management Services (PMS), Mutual Funds, National Pension System (NPS), Private Equity, Private Debt and Offshore Funds.

Approximately 12.8% of the entire client base of mutual fund bodies in India (around 11 million folios out of 86 million) is managed by UTIMF. With a lot of investment options like gold, stocks and mutual funds among many others, UTIMF is a trusted MF body.

How to invest in UTI Mutual Funds?

Investing in mutual funds can be done in two ways - online and offline. Online investing has a huge advantage over offline because you have the liberty to sit at home, and invest directly from your device. Here’s how you do that through Mobikwik:

  • Step 1- Register for a mobikwik account, or log in if you already have one.
  • Step 2-Complete your KYC process by submitting your personal details, such as address, PAN card number, and mobile number.
  • Step 3 - Choose a UTI mutual fund scheme of your choice (options available in a separate section later).
  • Step 4 - You can invest in two ways - a bulk amount once, or small amounts at regular intervals - called SIP (Systematic Investment Plan).
  • Step 5 - Process completion can be noticed in your Mobikwik account which usually doesn’t take more than 3-4 working days.

Types of Funds Offered by UTI Mutual Fund

Some of UTIMF’s provisions include, equity-oriented MFs, debt-oriented MFs, hybrid MFs among a lot others. It’s important to choose which type of MF you want to go for, based on the risks involved, returns you expect and your investment goals. Here are some of the top performing MFs by UTI -

UTI Transportation & Logistics Fund

This is an Equity-Sectoral mutual fund with an NAV (Net Asset Value) of ₹ 85.3332 as of August 14, 2020. The fund, which was launched in April 2008, has wealth creation as its primary objective. With a high risk factor, but a return of over 7% in 2020, this mutual fund has been performing well.


As is apparent from its name, the UTI MNC fund is an Equity-Thematic fund focused on equity investments of multinational corporations. The UTI MNC fund’s NAV was upwards of ₹ 199 as of August 2020. Despite being a high risk fund scheme, it delivered 12.3% in 2019. This is a fairly old scheme, launched in May 1998.

UTI Value Opportunities Fund

As of August 2020, the NAV for this Equity-Value fund is ₹ 25.3652. With a moderately high risk factor involved, this is the third highest-rated UTI mutual fund scheme. In 2019, returns for this UTI MF were 8.1%.

UTI Equity Fund

Being an Equity-Multi Cap Fund with an NAV higher than ₹ 150 as of August 2020, this mutual fund has a 4 star rating. With a moderately high risk factor, this fund was created to invest in a variety of equities in May 1992. In 2019, it returned over 13.6%.

UTI Arbitrage Fund

This Hybrid-Arbitrage Fund is the most famous among hybrid mutual funds provided by UTI. Being a moderately low risk fund, this fund invests in equity and derivatives, and generates return based on their price differentials. In 2019, it delivered a modest 5.4%.

UTI Corporate Bond Fund

With a moderate risk factor, this fund is an Open-ended Debt Scheme. A recent fund which was created only in August, 2018, its NAV hovers around ₹ 12 as of August 14, 2020. This UTI fund delivered approximately 12% in returns in 2019.

UTI Overnight Fund

This is an Overnight & Liquids Fund with an NAV of over ₹ 2742 as of August 16, 2020. A low risk fund created in November 2003, the UTI overnight fund invests in bonds with an expiry of one day. In 2019, it delivered over 4.2% returns.

UTI Gilt Fund

A moderate risk fund, the UTI Debt-Gilt Fund was created in January 2002 for investing in sovereign securities that are issued by the central and state governments in an attempt to generate risk-free returns over the medium to long term horizon. Its annual return in 2019 was 9.96%.

UTI Long Term Equity Fund (Tax Saving)

This is an Equity-ELSS fund created in December 1999, for tax saving purposes. It has a moderately high risk factor, with a substantial annual return of 6.97% in 2019 with a 3 star rating.

UTI Liquid Cash Plan

Being a low risk, Overnight and Liquid Funds created in December 2003, this fund delivered a modest 5.19% returns in 2019, and is rated 3 stars.

Documents Required to Invest in UTI Mutual Fund

To begin your UTI mutual fund investment, you may need to submit/upload the following documents along with your KYC:

  1. Proof of identity:(Photo PAN Card/ In case of Non-Photo PAN Card, submit a copy of PAN Card with Driving License /Passport copy / Voter ID /Bank Photo Passbook).
  2. Proof of address (any one of the following) -
    • Aadhaar card
    • Passport copy
    • Voter ID
    • Driving License
  3. Passport Size Photograph

  • incorporated
  • CEO / MD
    Mr. Leo Puri
  • Address
    UTI Tower , `GN' Block, Bandra Kurla Complex, Bandra (E)
    Mumbai - 400 051
  • Phone
  • Email
  • Registrar & Transfer Agent
    Karvy Fintech Pvt Ltd.
    "KARVY HOUSE",46, Avenue 4, Street No.1, Banjara Hills,
    Hyderabad - 500 034
    Andhra Pradesh
  • Auditors
    Haribhakti & Co. Chartered Accountants
    42, Free Press House,4th Floor, 215, Nariman Point,
    Mumbai - 400 021

Total Net Assets of UTI Mutual Fund as of March 2018 - 127,186cr

UTI Mutual Fund - Estimated fund Flows for March 2018

Frequently Asked Questions on UTI Mutual Fund

Which is the best UTI Mutual Fund?

There’s no best UTI Mutual Fund as such. All schemes have been introduced to serve various purposes and goals. It all comes down to your investment goals, the amount of risk you’re willing to take and the returns to expect.

Is UTI Mutual Fund good?

UTI Mutual Fund schemes are ideal for both short-term and long-term gains and multiple other wealth generation purposes. There’s an added advantage of choosing your way of investment - bulk amount at once, or SIP (small amounts at regular intervals). You can start investing in UTI MF online with as low as Rs 500.

How do I get a UTI mutual fund account statement?

Consolidated Account Statements (CAS) are sent to the investor on a monthly basis, on or before 10th day of the succeeding month along with the previous month’s transactions. CAS are sent to the address mentioned in their KYC submission. So make sure you have updated your details in case of any change.

How do I check my UTI fund balance?

Users can track their UTI MF investment, including their UTI mutual fund NAV on Mobikwik in real-time. With Mobikwik, you will always be in command of your UTI fund portfolio and track it anytime and anywhere helping you make the right decisions at the right time.

Is UTI mutual fund tax free?

Under section 10 (23D) of the Income Tax Act, 1961 ("the Act"), the entire income is exempt from tax.

How do I withdraw money from UTI Mutual Fund?

How do I withdraw money from UTI Mutual Fund?

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UTI Mutual Fund Schemes

NAME RATING Category Nav EXP Ratio Assets 1y 3y 5y
UTI Arbitrage Fund Direct Growth Option Others 31.8118 0.35% 3,017 cr 6.19% 4.86% 5.55%
UTI Banking and Financial Services Fund-Direct Growth Option Equity 147.0174 1.36% 867 cr 25.30% 27.20% 7.57%
UTI Banking & PSU Debt Fund Direct Plan Growth Debt 19.1461 0.25% 892 cr 8.06% 7.11% 5.98%
UTI Bond Fund Direct Plan Growth Debt 68.7176 1.30% 318 cr 8.50% 9.55% 4.93%
UTI CCF- Investment Plan - Growth- Direct Balanced 66.2276 1.48% 717 cr 15.69% 23.23% 11.12%
UTI Core Equity Fund-Growth Option - Direct Equity 114.2035 1.63% 1,619 cr 19.98% 28.68% 12.06%
UTI Corporate Bond Fund Direct Growth Debt 14.2564 0.25% 3,260 cr 6.94% 5.65%
UTI Credit Risk Fund Direct Plan Growth Option Debt 16.3872 0.84% 433 cr 7.38% 8.17% -0.62%
UTI-Dividend Yield Fund -Growth-Direct Equity 116.8147 1.45% 2,810 cr 12.90% 23.39% 12.14%
UTI Dynamic Bond Fund Direct Plan Growth Option Debt 28.4221 0.79% 563 cr 6.83% 9.92% 6.62%
UTI Equity Savings Fund Direct Growth Balanced 15.1558 0.70% 268 cr 12.72% 14.12%
UTI Flexi Cap Fund - Growth Option - Direct Equity 255.1136 0.88% 24,237 cr 11.60% 22.50% 12.62%
UTI Gilt Fund Direct Plan Growth Debt 55.5044 0.68% 534 cr 7.72% 4.06% 7.56%
UTI Healthcare Fund-Growth Option- Direct Equity 170.6992 1.49% 683 cr 10.67% 15.18% 14.87%
UTI Hybrid Equity Fund-Growth - Direct Balanced 294.5187 1.34% 4,441 cr 17.26% 23.88% 11.24%
UTI India Consumer Fund Direct Plan Growth Option Equity 43.6594 1.77% 458 cr 17.88% 19.01% 9.75%
UTI Infrastructure Fund-Growth Option- Direct Equity 94.163 1.92% 1,501 cr 27.27% 27.57% 11.74%
UTI - Liquid Cash Plan - Direct Plan - Growth Option Liquid 3738.363 0.14% 28,469 cr 6.41% 4.44% 5.34%
UTI Long Term Equity Fund - Growth Option - Direct Equity 161.5997 0.95% 2,883 cr 16.33% 23.77% 12.50%
UTI Master Share-Growth Option - Direct Equity 215.2052 0.95% 10,557 cr 13.67% 22.48% 12.17%
UTI Medium Term Fund - Direct Plan - Growth Option Debt 16.7399 1.01% 47 cr 7.47% 5.02% 5.10%
UTI Mid Cap Fund-Growth Option- Direct Equity 219.9265 0.99% 7,289 cr 21.66% 31.94% 14.04%
UTI MNC Fund Direct Growth Option Equity 317.0303 1.25% 2,374 cr 16.57% 16.98% 8.80%
UTI Money Market Fund - Direct Plan - Growth Option Debt 2673.8685 0.20% 9,001 cr 6.79% 5.05% 6.24%
UTI Multi Asset Fund Direct Growth Option Balanced 53.6719 1.06% 891 cr 19.86% 15.35% 8.96%
UTI Nifty200 Momentum 30 Index Fund Direct Growth Equity 14.1828 0.40% 2,090 cr 20.43%
UTI Nifty 50 Index Fund-Growth Option- Direct Equity 127.0808 0.20% 10,615 cr 14.96% 23.57% 12.67%
UTI Nifty Next 50 Index Fund Direct Growth Equity 15.6167 0.33% 2,119 cr 13.71% 19.48%
UTI Regular Savings Fund-Growth-Direct Balanced 59.3089 1.22% 1,551 cr 10.65% 12.77% 7.70%
UTI - Short Term Income Fund - Direct Plan - Growth Option Debt 28.6629 0.34% 2,384 cr 7.26% 7.56% 5.72%
UTI Transportation & Logistics Fund-Growth Option- Direct Equity 189.1802 1.03% 2,019 cr 26.77% 32.40% 8.05%
UTI - Treasury Advantage Fund - Direct Plan - Growth Option Debt 3093.4134 0.34% 3,288 cr 6.59% 6.90% 4.90%
UTI - Ultra Short Term Fund - Direct Plan - Growth Option Debt 3903.3792 0.45% 2,354 cr 6.55% 5.95% 5.79%
UTI Value Opportunities Fund-Direct Growth Option Equity 115.538 1.15% 6,815 cr 17.53% 24.82% 13.06%