UTI Conservative Hybrid Fund

Q: What are the returns of this mutual fund scheme?

The UTI Conservative Hybrid Fund is a 21 yrs 10 m old fund and has delivered average annual returns of 9.3% since inception. UTI Conservative Hybrid Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 6.16% 10.07% 10.51% 8.2% 9.3%

Q: How much does this mutual fund charge as expense ratio?

The UTI Conservative Hybrid Fund has an expense ratio of 1.8% , representing the annual cost of managing and operating the fund. This fee is deducted from the fund's AUM while declaring the daily NAV, reducing investor returns.

NAV as of Oct 20, 2025	Returns since inception	ET Money Rank	AUM (Fund size)
₹70.3819+0.08% 1 day change	9.3% p.a.	App exclusive #NA View Ranked Funds	₹1,690 Cr

Historical NAV & returns

NAV: ₹70.3819 as on Oct 20, 2025

This fund Category average

UTI Conservative Hybrid Fund overview

AUM (Fund size)	₹1,690 Cr
Exit load	1.0% Exit Load for units in excess of 10% of the investment,1% will be charged for redemption within 12 months.!
Lock-in Period	Nil
Age	21 yrs 10 m since Dec 01, 2003
Benchmark	NIFTY 50 Hybrid Composite Debt 15:85 Conservative
Min. investment	SIP: ₹500 & Lumpsum: ₹1000
Expense ratio	1.8% as on Sep 30, 2025
Plan type	Regular
Risk	Moderately High
Tax on your gains	Profits are added to your income and taxed as per your slab rate

UTI Conservative Hybrid Fund Returns calculator

Investment type

Monthly investment

₹ 10,000

Investment period

Lumpsum investment

₹1 lakh

Investment period

Disclaimer: Products compared like fixed deposits may provide fixed guaranteed returns. Mutual Funds investments are subject to market risk, read all scheme related documents carefully. Past performance is not an indicator of future returns.

Total investment ₹ 12 lakh
Profit ₹12 lakhs
Total corpus ₹1 lakh
Absolute return 52.69%

Trailing returns as on Oct 25, 2025

Period	This fund	Category average
1 Month	1.23%	1.08%
3 Months	1.07%	1.29%
6 Months	3.09%	3.31%
1 Year	6.16%	6.41%
2 Years	11.21%	10.14%
3 Years	10.07%	9.25%
4 Years	7.94%	7.67%
5 Years	10.51%	9.12%
7 Years	8.71%	8.42%
10 Years	8.2%	7.66%

Asset allocationas on Sep 30, 2025

Large Cap 15.57%

Mid Cap 4.45%

Small Cap 3.74%

Other Cap 0%

Top holdings

HDFC Bank Ltd.2.36%

ICICI Bank Ltd.1.4%

Bharti Airtel Ltd.1.03%

Infosys Ltd.1.02%

Top sectors

Financial 7.379999999999999%

Technology 2.33%

Automobile 2.24%

Energy 1.98%

SOV 39.09200948%

AAA 34.6098663%

Cash & Call Money 2.2483871%

Others 0.28552403%

Top Debt Holdings

GOI 30.07%

HDFC Bank Ltd. 6.1%

Indian Oil Corporation Ltd. 4.51%

National Bank For Agriculture & Rural Development 4.5%

Allocation by Instruments

GOI Securities 30.07823938%

Debenture 13.605985570000001%

Bonds 9.00742222%

State Development Loan 8.792189100000002%

Other Holdings

Others 2.22%

UTI Nifty 5 yr Benchmark G-Sec ETF - Growth 0.11%

UTI Nifty 10 yr Benchmark G-Sec ETF - Growth 0.11%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
UTI Conservative Hybrid Fund	1.23%	3.09%	6.16%	10.07%	10.51%	8.2%
ICICI Prudential Regular Savings Fund	0.83%	4.91%	8.44%	10.41%	9.94%	9.38%
SBI Conservative Hybrid Fund	1.06%	4.05%	6.59%	10.05%	11.0%	9.01%
HDFC Hybrid Debt Fund	1.37%	2.1%	5.41%	10.46%	11.19%	8.8%
Nippon India Conservative Hybrid Fund	1.19%	5.08%	9.09%	9.24%	8.94%	5.62%
Franklin India Conservative Hybrid Fund	1.24%	3.53%	6.98%	9.74%	8.95%	7.52%

Fund name	Std. deviation	Beta	Sharpe	Sortino
UTI Conservative Hybrid Fund	3.77	0.99	0.81	1.27
ICICI Prudential Regular Savings Fund	2.94	0.75	1.2	1.74
SBI Conservative Hybrid Fund	3.34	0.82	1.0	1.67
HDFC Hybrid Debt Fund	3.95	0.98	0.95	1.6
Nippon India Conservative Hybrid Fund	1.9	0.45	1.27	2.13
Franklin India Conservative Hybrid Fund	3.49	0.9	0.84	1.28

Fund name	ETM Rank	AUM	Fund age	Expense ratio
UTI Conservative Hybrid Fund	N.A.	1,690 Cr	21 yrs 10 m	1.8%
ICICI Prudential Regular Savings Fund	N.A.	3,264 Cr	21 yrs 8 m	1.72%
SBI Conservative Hybrid Fund	N.A.	9,859 Cr	24 yrs 8 m	1.54%
HDFC Hybrid Debt Fund	N.A.	3,348 Cr	21 yrs 11 m	1.75%
Nippon India Conservative Hybrid Fund	N.A.	902 Cr	21 yrs 10 m	1.88%
Franklin India Conservative Hybrid Fund	N.A.	203 Cr	25 yrs 1 m	1.42%

View all Conservative Hybrid funds

Key risk & return ratios Compared to other funds in the category

Alpha	-0.01 vs. 2.91 Underperformed at beating benchmark
Sharpe	0.81 vs. 2.94 Poor risk-adjusted returns
Beta	0.99 vs. 1.03 Less sensitive to market ups & downs
Standard deviation	3.77 vs. 3.47 More volatile performance

Compare UTI Conservative Hybrid Fund in detail with

About this fund

About UTI Conservative Hybrid Fund

UTI Conservative Hybrid Fund is a Conservative Hybrid mutual fund scheme from Uti Mutual Fund. This fund has been in existence for 21 yrs 10 m, having been launched on 01/12/2003. UTI Conservative Hybrid Fund has ₹1,690 Crores worth of assets under management (AUM) as on 30/09/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of UTI Conservative Hybrid Fund as of 20/10/2025 is ₹70.38. The fund has an expense ratio of 1.8%, which is higher than what most other Conservative Hybrid funds charge. Currently, the fund has a 23.76% allocation to equity and 74.01% to Debt.

UTI Conservative Hybrid Fund returns of last 1-year are 5.10%. Since launch, it has delivered 9.34% average annual returns. The fund has doubled the money invested in it every 9 yrs.
UTI Conservative Hybrid Fund scheme's ability to deliver returns consistently is in-line with most funds of its category. Its ability to control losses in a falling market is average.
The fund's equity portion is primarily invested in Financial, Technology, Automobile, Energy, Healthcare sectors. It has taken less exposure in Financial, Technology sectors compared to other funds in the category.
The debt portion of the fund has high credit quality indicating the quality of borrowers it has lent it to is great.
The fund's top 5 holdings are in GOI, Indian Oil Corporation Ltd., National Bank For Agriculture & Rural Development, West Bengal State, LIC Housing Finance Ltd..

...

Fund AUM	1,690 Cr as on Sep 30, 2025
Scheme document	View Scheme Document

Fund managers

Amit Kumar Premchandani

Mr. Premchandani is a Chartered Accountant, MBA and CFA degree holder. Prior to joining UTI Mutual Fund, he has worked in Deutsche Equities India, JP Morgan and Peerless General Finance and Investment. In UTI he has been associated with Dept. of Securities Research and Dept. of Fund Management for more than 11 years.

Jaydeep Bhowal

He has done B.Com, CA from ICAI and PGDFM from Welingkar Institute of Management, Mumbai He began his career with UTI Mutual Fund in November 2009. He has more than 10 years of experience and had been involved in various roles at UTI. Presently he is working as Dealer in Department of Fund Management - Fixed Income. Prior to joining the AMC he was associated with SJ & A.

Investment objective

The scheme seeks to invest predominantly in debt and money market instruments and part of the portfolio into equity/equity related securities with a view to generating income and aim for capital appreciation.

UTI Mutual Fund details

No. of schemes	63 view all schemes
Total AUM	3,79,176 Cr as on Sep 30, 2025
Address	UTI Tower, Plot C-1, GN Block, Banrda Kurla Complex, Bandra (East) Mumbai, 400051
Phone	0263 2296993

More funds from UTI Mutual Fund

Fund name	ETM Rank	AUM	1Y	5Y
UTI Aggressive Hybrid Fund	N.A.	6,379 Cr	4.53%	19.84%
UTI Multi Asset Allocation Fund	N.A.	6,106 Cr	8.64%	16.3%
UTI Retirement Fund	N.A.	4,659 Cr	5.35%	13.52%
UTI Arbitrage Fund	N.A.	9,167 Cr	6.57%	5.72%

See all Hybrid funds from this AMC

Frequently asked questions

What is the current NAV of UTI Conservative Hybrid Fund?

The current Net Asset Value (NAV) of the UTI Conservative Hybrid Fund plan is approximately ₹70.3819 as of Oct 20, 2025.

What are the returns of this mutual fund scheme?

The UTI Conservative Hybrid Fund is a 21 yrs 10 m old fund and has delivered average annual returns of 9.3% since inception.

UTI Conservative Hybrid Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
6.16%	10.07%	10.51%	8.2%	9.3%

How much does this mutual fund charge as expense ratio?

The UTI Conservative Hybrid Fund has an expense ratio of 1.8%, representing the annual cost of managing and operating the fund. This fee is deducted from the fund's AUM while declaring the daily NAV, reducing investor returns.

What is the AUM or fund size of this mutual fund?

The UTI Conservative Hybrid Fund currently has assets under management (AUM) or fund size valued at approximately 1,690 Cr as on Sep 30, 2025.

What are the top stock holdings of UTI Conservative Hybrid Fund?

The UTI Conservative Hybrid Fund's equity portion has been invested in the stocks of the following companies

Company	Percentage of Portfolio
HDFC Bank Ltd.	2.36%
ICICI Bank Ltd.	1.4%
Bharti Airtel Ltd.	1.03%
Infosys Ltd.	1.02%
Axis Bank Ltd.	0.94%
Kotak Mahindra Bank Ltd.	0.88%
State Bank of India	0.83%
Mahindra & Mahindra Ltd.	0.73%
Reliance Industries Ltd.	0.69%
Tech Mahindra Ltd.	0.59%

What are the top sectors UTI Conservative Hybrid Fund has invested in?

The UTI Conservative Hybrid Fund's equity portion is primarily invested in the following sectors -

Sector	Percentage of Portfolio
Financial	7.379999999999999%
Technology	2.33%
Automobile	2.24%
Energy	1.98%
Healthcare	1.96%
Services	1.56%
Metals & Mining	1.15%
Communication	1.03%
Materials	1.02%
Consumer Staples	0.78%

To whom does UTI Conservative Hybrid Fund lend to?

The top 3 debt holdings of UTI Conservative Hybrid Fund are as follows

Holding Name	Percentage of Portfolio
GOI	30.07%
HDFC Bank Ltd.	6.1%
Indian Oil Corporation Ltd.	4.51%

What is the quality of borrowers this mutual fund scheme lends to?

The credit rating of the instruments in which the fund invests represents the quality of the borrower.

The UTI Conservative Hybrid Fund's debt portion's allocation by credit quality is given below

Credit Quality	Percentage of Portfolio
SOV	39.09200948%
AAA	34.6098663%
Cash & Call Money	2.2483871%

What is risk level of UTI Conservative Hybrid Fund?

This is a Conservative Hybrid fund comes with Moderately High risk.

Is there any lock-in period in this mutual fund?

No, this fund does not have any lock-in period.

How can I redeem my investments in UTI Conservative Hybrid Fund?

Redeeming your investments in the UTI Conservative Hybrid Fund is simple. If you have invested via ET Money, just log in to the app, go to the holdings section, and submit the redemption request.

If you have invested from anywhere else, you can go to the fund house website and put a request through it.

ET Money rank

App exclusive

in Conservative Hybrid

#NA

Return Outperformance: This fund has generated highest return amongst Conservative Hybrid funds in the last 10 Years.
Volatility Protection: This fund ranks lower in terms of protecting against volatility within its category.
Return/Risk: The fund is performing poorly than its category.
Exit Load: Exit Load for units in excess of 10% of the investment,1% will be charged for redemption within 12 months.