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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.

UTI MNC Fund

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
    Nov-14-2002
  • CEO / MD
    Mr. Leo Puri
  • Address
    UTI Tower , `GN' Block, Bandra Kurla Complex, Bandra (E)
    Mumbai - 400 051
    Maharashtra
  • Phone
    91-22-66786503/578
  • Email
    service@uti.co.in
  • Registrar & Transfer Agent
    Karvy Fintech Pvt Ltd.
    "KARVY HOUSE",46, Avenue 4, Street No.1, Banjara Hills,
    Hyderabad - 500 034
    Andhra Pradesh
    91-40-23311968
    mailmanager@karvy.com
  • Auditors
    Haribhakti & Co. Chartered Accountants
    42, Free Press House,4th Floor, 215, Nariman Point,
    Mumbai - 400 021
    Maharashtra
    91-22-22856237
    -

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 Aggressive Hybrid Fund-Growth - Direct Balanced 422.7688 1.24% 6,107 cr 23.37% 18.56% 19.42%
UTI Arbitrage Fund Direct Growth Option — Others 35.9028 0.29% 6,462 cr 8.29% 6.85% 5.99%
UTI Banking and Financial Services Fund-Direct Growth Option Equity 194.1039 1.21% 1,170 cr 14.07% 17.43% 11.81%
UTI Banking & PSU Fund Direct Plan Growth Debt 21.2708 0.36% 806 cr 7.84% 8.42% 7.43%
UTI Children's Equity Fund - Growth- Direct — Balanced 91.7071 1.19% 1,122 cr 18.99% 13.53% 17.77%
UTI Conservative Hybrid Fund-Growth-Direct Balanced 71.7638 1.18% 1,649 cr 13.21% 9.67% 10.56%
UTI Corporate Bond Fund Direct Growth Debt 15.9443 0.29% 4,813 cr 8.14% 6.30% 6.79%
UTI Credit Risk Fund Direct Plan Growth Option Debt 18.4463 1.00% 313 cr 8.67% 6.87% 1.69%
UTI-Dividend Yield Fund -Growth-Direct — Equity 186.1528 1.39% 4,203 cr 29.74% 19.81% 22.25%
UTI Dynamic Bond Fund Direct Plan Growth Option Debt 32.0896 0.67% 521 cr 9.45% 9.03% 9.06%
UTI ELSS Tax Saver Fund - Growth Option - Direct Equity 224.9173 0.91% 3,872 cr 19.34% 13.98% 18.24%
UTI Equity Savings Fund Direct Growth Balanced 18.552 0.81% 642 cr 11.32% 11.72% 11.89%
UTI Flexi Cap Fund - Growth Option - Direct Equity 339.34 1.03% 26,298 cr 18.74% 8.69% 16.91%
UTI Gilt Fund Direct Plan Growth Debt 62.3191 0.67% 677 cr 8.94% 6.30% 6.48%
UTI Healthcare Fund-Growth Option- Direct — Equity 320.4797 1.25% 1,203 cr 46.78% 23.39% 28.92%
UTI India Consumer Fund Direct Plan Growth Option — Equity 61.26 1.53% 715 cr 25.39% 15.27% 16.83%
UTI Infrastructure Fund-Growth Option- Direct Equity 143.8643 1.18% 2,252 cr 23.43% 23.01% 21.14%
UTI Large cap Fund Growth Option - Direct Equity 285.435 0.93% 12,860 cr 14.93% 12.28% 16.07%
UTI Large & Mid Cap Fund-Growth Option - Direct Equity 186.6245 1.07% 4,048 cr 32.73% 23.78% 24.17%
UTI - Liquid Direct Plan - Growth Option — Liquid 4167.2613 0.16% 25,219 cr 7.45% 6.46% 5.40%
UTI - Low Duration Fund - Direct Plan - Growth Option Debt 3452.526 0.38% 3,505 cr 7.72% 6.48% 7.18%
UTI Medium Duration Fund - Direct Plan - Growth Option Debt 18.699 0.82% 40 cr 8.27% 6.06% 5.15%
UTI Medium to Long Duration Fund Direct Plan Growth Debt 76.397 1.24% 314 cr 8.80% 8.53% 7.48%
UTI Mid Cap Fund-Growth Option- Direct Equity 334.9304 0.89% 12,029 cr 28.13% 20.21% 26.23%
UTI MNC Fund Direct Growth Option — Equity 429.8655 1.19% 2,981 cr 22.50% 15.04% 15.89%
UTI Money Market Fund - Direct Plan - Growth Option Debt 2993.2051 0.15% 16,650 cr 7.81% 6.73% 6.04%
UTI Multi Asset Allocation Fund Direct Growth Option — Balanced 78.5819 0.60% 4,682 cr 24.25% 19.41% 16.39%
UTI Nifty200 Momentum 30 Index Fund Direct Growth — Equity 22.9162 0.42% 8,334 cr 25.94% 19.68% —
UTI Nifty 50 Index Fund-Growth Option- Direct — Equity 164.222 0.18% 20,083 cr 12.54% 13.45% 14.95%
UTI Nifty Next 50 Index Fund Direct Growth — Equity 25.2825 0.36% 4,873 cr 35.39% 20.03% 19.78%
UTI - Short Duration Fund - Direct Plan - Growth Option Debt 32.1912 0.42% 2,640 cr 8.37% 6.73% 8.04%
UTI Transportation & Logistics Fund-Growth Option- Direct — Equity 278.7569 0.87% 3,472 cr 25.06% 27.10% 23.07%
UTI - Ultra Short Duration Fund - Direct Plan - Growth Option Debt 4367.5397 0.33% 3,039 cr 7.81% 6.60% 6.47%
UTI Value fund Fund-Direct Growth Option Equity 178.0521 1.13% 10,159 cr 28.51% 20.22% 21.31%