UTI Dynamic Bond Fund Direct-Growth

Q: What are the returns of UTI Dynamic Bond Fund?

The UTI Dynamic Bond Fund is a 12 yrs 6 m old fund and has delivered average annual returns of 8.27% since inception. UTI Dynamic Bond Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 10.07% 8.4% 9.22% 7.78% 8.27%

NAV as of Jul 21, 2025	Returns since inception	ET Money Rank	AUM (Fund size)
₹34.0248+0.08% 1 day change	8.27% p.a.	#NA View Ranked Funds	₹477 Cr

Historical NAV & returns

NAV: ₹34.0248 as on Jul 21, 2025

This fund Category average

UTI Dynamic Bond Fund overview

Expense ratio	0.69% as on May 31, 2025
Exit load	0% Exit load of 0.75% is applicable if units are redeemed within 180 days from the date of allotment.!
AUM (Fund size)	₹477 Cr
Lock-in Period	Nil
Age	12 yrs 6 m since Jan 01, 2013
Benchmark	CRISIL Dynamic Bond A-III Index
Min. investment	SIP: ₹500 & Lumpsum: ₹10000
Risk	Moderate
Tax on your gains	Profits are added to your income and taxed as per your slab rate

UTI Dynamic Bond 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 Jul 22, 2025

Period	This fund	Category average
1 Month	0.89%	0.84%
3 Months	1.43%	0.75%
6 Months	5.29%	4.97%
1 Year	10.07%	9.38%
2 Years	8.99%	8.81%
3 Years	8.4%	8.47%
4 Years	11.04%	7.17%
5 Years	9.22%	6.57%
7 Years	7.24%	7.76%
10 Years	7.78%	7.88%

Asset allocationas on May 31, 2025

Large Cap 0%

Mid Cap 0%

Small Cap 0%

Other Cap 0%

Top holdings

Bifurcation by Holding is not available for this fund

Top sectors

Bifurcation by Sector is not available for this fund

AAA 47.10183339%

SOV 42.65066431%

Cash & Call Money 8.44969113%

AA+ 1.07024533%

Top Debt Holdings

GOI 32.82%

National Bank For Agriculture & Rural Development 8.57%

Small Industries Devp. Bank of India Ltd. 8.56%

REC Ltd. 8.54%

Allocation by Instruments

Debenture 36.457380029999996%

GOI Securities 32.81779184%

Non Convertible Debenture 10.64445336%

State Development Loan 9.83287247%

Other Holdings

Others 8.45%

Peer comparison

Fund name	ETM Rank	AUM	Fund age	Expense ratio
UTI Dynamic Bond Fund	N.A.	477 Cr	12 yrs 6 m	0.69%
ICICI Prudential All Seasons Bond Fund	N.A.	14,981 Cr	12 yrs 6 m	0.59%
PGIM India Dynamic Bond Fund	N.A.	120 Cr	12 yrs 6 m	0.42%
JM Dynamic Bond Fund	N.A.	47 Cr	12 yrs 6 m	0.52%
360 ONE Dynamic Bond Fund	N.A.	686 Cr	12 yrs 1 m	0.27%
HSBC Dynamic Bond Fund	N.A.	185 Cr	12 yrs 6 m	0.22%

Fund name	1M	6M	1Y	3Y	5Y	10Y
UTI Dynamic Bond Fund	0.89%	5.29%	10.07%	8.4%	9.22%	7.78%
ICICI Prudential All Seasons Bond Fund	0.82%	5.47%	10.22%	9.14%	7.48%	9.1%
PGIM India Dynamic Bond Fund	0.81%	5.12%	9.73%	8.63%	6.63%	8.36%
JM Dynamic Bond Fund	0.55%	5.46%	10.03%	7.97%	6.29%	7.35%
360 ONE Dynamic Bond Fund	0.83%	6.05%	10.94%	8.72%	7.4%	7.72%
HSBC Dynamic Bond Fund	0.76%	4.88%	9.44%	8.06%	5.93%	7.89%

Fund name	Std. deviation	Beta	Sharpe	Sortino
UTI Dynamic Bond Fund	1.82	1.09	0.89	1.45
ICICI Prudential All Seasons Bond Fund	1.25	0.71	2.06	4.05
PGIM India Dynamic Bond Fund	2.13	1.29	0.89	1.48
JM Dynamic Bond Fund	1.98	1.16	0.68	1.2
360 ONE Dynamic Bond Fund	1.79	1.05	1.13	1.87
HSBC Dynamic Bond Fund	2.23	1.35	0.64	1.01

View all Dynamic Bond funds

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

Alpha	0.49 vs. 2.92 Underperformed at beating benchmark
Sharpe	0.89 vs. 3.01 Poor risk-adjusted returns
Beta	1.09 vs. 1.22 Less sensitive to market ups & downs
Standard deviation	1.82 vs. 2.26 More stable returns

Compare UTI Dynamic Bond Fund in detail with

About this fund

About UTI Dynamic Bond Fund

UTI Dynamic Bond Fund Direct-Growth is a Dynamic Bond mutual fund scheme from Uti Mutual Fund. This fund has been in existence for 12 yrs 6 m, having been launched on 01/01/2013. UTI Dynamic Bond Fund Direct-Growth has ₹477 Crores worth of assets under management (AUM) as on 31/05/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of UTI Dynamic Bond Fund Direct-Growth as of 21/07/2025 is ₹34.02. The fund has an expense ratio of 0.69%, which is higher than what most other Dynamic Bond funds charge.

UTI Dynamic Bond Fund Direct-Growth returns of last 1-year are 10.04%. Since launch, it has delivered 8.28% average annual returns. The fund has doubled the money invested in it every 10 yrs.
UTI Dynamic Bond Fund Direct-Growth 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 credit profile is very high indicating it has lent to borrowers whose quality is excellent. Most funds in this category lend to better borrowers and hence the risk of default in this fund is higher than the category.
The fund's top holdings are in GOI, National Bank For Agriculture & Rural Development, Small Industries Devp. Bank of India Ltd., REC Ltd., Power Finance Corporation Ltd..

...

Fund AUM	477 Cr as on May 31, 2025
Scheme document	View Scheme Document

Fund managers

Pankaj Pathak

Mr. Pankaj is a CFA (CFA Institute, USA) and PG Diploma in Banking & Finance (NIBM, Pune). Prior to joining UTI AMC, he has worked with Quantum Asset Management Company and Bank of Maharashtra in Treasury Department.

Investment objective

The scheme seeks to generate optimal returns with adequate liquidity through active management of the portfolio, by investing in debt and money market instruments.

UTI Mutual Fund details

No. of schemes	62 view all schemes
Total AUM	3,61,295 Cr as on Jun 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	3Y
UTI Gilt Fund with 10 year Constant Duration	N.A.	176 Cr	10.62%	8.67%
UTI Gilt Fund	N.A.	670 Cr	9.0%	8.25%
UTI Credit Risk Fund	N.A.	285 Cr	9.54%	8.2%
UTI Short Duration Fund	N.A.	2,822 Cr	9.32%	8.18%
UTI Medium to Long Duration Fund	N.A.	334 Cr	9.2%	8.05%

See all Debt funds from this AMC

Frequently asked questions

What is the current NAV of UTI Dynamic Bond Fund?

The current Net Asset Value (NAV) of the UTI Dynamic Bond Fund - Direct Growth plan is approximately ₹34.0248 as of Jul 21, 2025.

What are the returns of this mutual fund scheme?

The UTI Dynamic Bond Fund is a 12 yrs 6 m old fund and has delivered average annual returns of 8.27% since inception.

UTI Dynamic Bond Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
10.07%	8.4%	9.22%	7.78%	8.27%

How much does this mutual fund charge as expense ratio?

The UTI Dynamic Bond Fund - Direct Growth has an expense ratio of 0.69%, which reflects the fund's management and operating costs. This percentage is subtracted from the fund's annual returns, impacting net returns for investors.

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

The UTI Dynamic Bond Fund currently has assets under management (AUM) or fund size valued at approximately 477 Cr as on May 31, 2025.

To whom does UTI Dynamic Bond Fund lend to?

The top 3 debt holdings of UTI Dynamic Bond Fund are as follows

Holding Name	Percentage of Portfolio
GOI	32.82%
National Bank For Agriculture & Rural Development	8.57%
Small Industries Devp. Bank of India Ltd.	8.56%

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 Dynamic Bond Fund allocation by credit quality is given below

Credit Quality	Percentage of Portfolio
AAA	47.10183339%
SOV	42.65066431%
Cash & Call Money	8.44969113%

What is risk level of UTI Dynamic Bond Fund?

This is a Dynamic Bond fund comes with Moderate risk.

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

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

How do I invest in UTI Dynamic Bond Fund?

It is very fast, easy, and completely paperless in this mutual fund scheme on ET Money. It is just a matter of a few minutes. Here's how:

For the Desktop Version:

Click on the "Invest Now" button at the top right, then scan the QR code to download the app.

For the Mobile Version:

Click on the "Invest on App" button at the bottom to download the app.
Once the app is downloaded:
Sign-up and complete your one time KYC process, or log in if you're already registered.
Search for UTI Dynamic Bond Fund and choose the investment mode (Lump sum investment or a SIP). Then, enter your investment amount.
Fill in additional required details, including the bank account you'll use for payment, and confirm.

All set! Your investment in UTI Dynamic Bond Fund is complete.

How can I redeem my investments in UTI Dynamic Bond Fund?

Redeeming your investments in UTI Dynamic Bond Fund is super easy. If you have invested in this fund via ET Money, just login into the app, go to the investment section and put the redemption request.

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

ET Money rank

in Dynamic Bond

#NA

Return Outperformance: This fund has generated highest return amongst Dynamic Bond funds in the last 10 Years.
Exit Load: This fund has no exit load.
Return/Risk: The fund is performing poorly than its category.