UTI Dynamic Bond Fund

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

The UTI Dynamic Bond Fund is a 15 yrs 7 m old fund and has delivered average annual returns of 7.61% since inception. UTI Dynamic Bond Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 5.15% 6.66% 8.42% 6.67% 7.61%

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

The UTI Dynamic Bond Fund has an expense ratio of 1.56% , 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 Feb 02, 2026	Returns since inception	ET Money Rank	AUM (Fund size)
₹31.4337-0.15% 1 day change	7.61% p.a.	App exclusive #NA View Ranked Funds	₹430 Cr

Historical NAV & returns

NAV: ₹31.4337 as on Feb 02, 2026

This fund Category average

UTI Dynamic Bond Fund overview

AUM (Fund size)	₹430 Cr
Exit load	0%
Lock-in Period	Nil
Age	15 yrs 7 m since Jun 16, 2010
Benchmark	CRISIL Dynamic Bond A-III Index
Min. investment	SIP: ₹500 & Lumpsum: ₹1000
Expense ratio	1.56% as on Feb 02, 2026
Plan type	Regular
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 Feb 03, 2026

Period	This fund	Category average
1 Month	-0.13%	-0.08%
3 Months	0.29%	0.2%
6 Months	0.52%	0.57%
1 Year	5.15%	4.84%
2 Years	6.45%	6.2%
3 Years	6.66%	6.57%
4 Years	7.83%	6.02%
5 Years	8.42%	5.41%
7 Years	6.51%	6.42%
10 Years	6.67%	6.72%

Asset allocationas on Dec 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 50.93635646%

SOV 33.87626056%

AA+ 9.36458813%

Cash & Call Money 5.48343034%

Top Debt Holdings

GOI 26.16%

LIC Housing Finance Ltd. 6.07%

Power Finance Corporation Ltd. 5.95%

National Bank For Agriculture & Rural Development 5.94%

Allocation by Instruments

Debenture 42.57732779%

GOI Securities 26.15810371%

State Development Loan 7.71815685%

Bonds 5.93945854%

Other Holdings

Others 5.33%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
UTI Dynamic Bond Fund	-0.13%	0.52%	5.15%	6.66%	8.42%	6.67%
ICICI Prudential All Seasons Bond Fund	-0.07%	1.36%	6.3%	7.43%	6.4%	8.21%
360 ONE Dynamic Bond Fund	0.13%	2.04%	7.52%	8.23%	6.91%	6.94%
Aditya Birla Sun Life Dynamic Bond Fund	-0.13%	0.88%	5.9%	7.21%	6.72%	6.4%
JM Dynamic Bond Fund	-0.2%	0.55%	5.47%	6.73%	5.64%	6.37%

Fund name	Std. deviation	Beta	Sharpe	Sortino
UTI Dynamic Bond Fund	2.11	1.19	0.21	0.28
ICICI Prudential All Seasons Bond Fund	1.39	0.77	0.86	1.14
360 ONE Dynamic Bond Fund	1.95	1.08	0.9	1.36
Aditya Birla Sun Life Dynamic Bond Fund	2.23	1.26	0.46	0.7
JM Dynamic Bond Fund	2.15	1.16	0.24	0.4

Fund name	ETM Rank	AUM	Fund age	Expense ratio
UTI Dynamic Bond Fund	N.A.	430 Cr	15 yrs 7 m	1.56%
ICICI Prudential All Seasons Bond Fund	N.A.	14,929 Cr	16 yrs 8 m	1.28%
360 ONE Dynamic Bond Fund	N.A.	618 Cr	12 yrs 7 m	0.52%
Aditya Birla Sun Life Dynamic Bond Fund	N.A.	1,878 Cr	21 yrs 4 m	1.23%
JM Dynamic Bond Fund	N.A.	58 Cr	22 yrs 7 m	0.98%

View all Dynamic Bond funds

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

Alpha	-0.03 vs. 2.04 Underperformed at beating benchmark
Sharpe	0.21 vs. 2.15 Poor risk-adjusted returns
Beta	1.19 vs. 0.73 More sensitive to market's ups & downs
Standard deviation	2.11 vs. 2.44 More stable returns

Compare UTI Dynamic Bond Fund in detail with

About this fund

About UTI Dynamic Bond Fund

UTI Dynamic Bond Fund is a Dynamic Bond mutual fund scheme from Uti Mutual Fund. This fund has been in existence for 15 yrs 7 m, having been launched on 16/06/2010. UTI Dynamic Bond Fund has ₹430 Crores worth of assets under management (AUM) as on 31/12/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of UTI Dynamic Bond Fund as of 02/02/2026 is ₹31.43. The fund has an expense ratio of 1.56%, which is higher than what most other Dynamic Bond funds charge.

UTI Dynamic Bond Fund returns of last 1-year are 5.18%. Since launch, it has delivered 7.61% average annual returns. The fund has doubled the money invested in it every 11 yrs.
UTI Dynamic Bond 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 credit profile is high indicating it has lent to borrowers whose quality is great. 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, LIC Housing Finance Ltd., Power Finance Corporation Ltd., National Bank For Agriculture & Rural Development, Jamnagar Utilities and Power Pvt. Ltd..

...

Fund AUM	430 Cr as on Dec 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	63 view all schemes
Total AUM	3,95,059 Cr as on Dec 31, 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 CRISIL SDL Maturity April 2033 Index Fund	N.A.	321 Cr	5.12%	7.58%
UTI Nifty SDL Plus AAA PSU Bond Apr 2028 75:25 Index Fund	N.A.	34 Cr	7.36%	N.A.
UTI Money Market Fund	N.A.	19,301 Cr	7.17%	7.46%
UTI CRISIL SDL Maturity June 2027 Index Fund	N.A.	72 Cr	7.28%	7.45%
UTI Low Duration Fund	N.A.	2,667 Cr	7.14%	7.33%
UTI Corporate Bond Fund	N.A.	5,421 Cr	6.83%	7.28%

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 plan is approximately ₹31.4337 as of Feb 02, 2026.

What are the returns of this mutual fund scheme?

The UTI Dynamic Bond Fund is a 15 yrs 7 m old fund and has delivered average annual returns of 7.61% since inception.

UTI Dynamic Bond Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
5.15%	6.66%	8.42%	6.67%	7.61%

How much does this mutual fund charge as expense ratio?

The UTI Dynamic Bond Fund has an expense ratio of 1.56%, 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 Dynamic Bond Fund currently has assets under management (AUM) or fund size valued at approximately 430 Cr as on Dec 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	26.16%
LIC Housing Finance Ltd.	6.07%
Power Finance Corporation Ltd.	5.95%

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	50.93635646%
SOV	33.87626056%
AA+	9.36458813%

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 can I redeem my investments in UTI Dynamic Bond Fund?

Redeeming your investments in the UTI Dynamic Bond 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.