UTI Floater Fund

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

The UTI Floater Fund is a 7 yrs old fund and has delivered average annual returns of 6.22% since inception. UTI Floater Fund Returns 1-Year 3-Year 5-Year Since Inception 7.23% 7.02% 5.49% 6.22%

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

The UTI Floater Fund has an expense ratio of 0.87% , 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)
₹1525.5636+0.04% 1 day change	6.22% p.a.	App exclusive #NA View Ranked Funds	₹1,409 Cr

Historical NAV & returns

NAV: ₹1525.5636 as on Oct 20, 2025

This fund Category average

UTI Floater Fund overview

AUM (Fund size)	₹1,409 Cr
Exit load	0%
Lock-in Period	Nil
Age	7 yrs since Oct 12, 2018
Benchmark	CRISIL Short Duration Debt A-II Index
Min. investment	SIP: ₹500 & Lumpsum: ₹1000
Expense ratio	0.87% as on Sep 30, 2025
Plan type	Regular
Risk	Low to Moderate
Tax on your gains	Profits are added to your income and taxed as per your slab rate

UTI Floater 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 17, 2025

Period	This fund	Category average
1 Month	0.63%	0.65%
3 Months	1.25%	1.26%
6 Months	3.07%	3.06%
1 Year	7.23%	7.86%
2 Years	7.17%	8.09%
3 Years	7.02%	7.79%
4 Years	5.96%	6.61%
5 Years	5.49%	6.21%

Asset allocationas on Sep 30, 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 79.72715549%

Cash & Call Money 8.26265649%

SOV 8.24633649%

A1+ 3.41611245%

Top Debt Holdings

GOI 6.42%

Export-Import Bank Of India 5.4%

Summit Digitel Infrastructure Pvt. Ltd. 3.65%

National Housing Bank 3.61%

Allocation by Instruments

Debenture 35.83275701%

Bonds 21.62919345%

Non Convertible Debenture 12.56985957%

Net Current Assets 8.21296532%

Other Holdings

Others 8.21%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
UTI Floater Fund	0.63%	3.07%	7.23%	7.02%	5.49%	N.A.
HDFC Floating Rate Debt Fund	0.63%	3.42%	8.04%	7.96%	6.56%	7.34%
Aditya Birla Sun Life Floating Rate Fund	0.59%	3.41%	7.79%	7.74%	6.28%	7.29%
Franklin India Floating Rate Fund	0.68%	2.93%	8.06%	7.87%	6.14%	6.31%
ICICI Prudential Floating Interest Fund	0.6%	3.33%	7.55%	7.68%	6.36%	7.13%

Fund name	Std. deviation	Beta	Sharpe	Sortino
UTI Floater Fund	0.59	1.35	0.71	1.01
HDFC Floating Rate Debt Fund	0.63	1.29	2.11	3.52
Aditya Birla Sun Life Floating Rate Fund	0.47	1.07	2.41	4.64
Franklin India Floating Rate Fund	0.98	2.14	1.24	1.62
ICICI Prudential Floating Interest Fund	0.71	0.9	1.47	2.75

Fund name	ETM Rank	AUM	Fund age	Expense ratio
UTI Floater Fund	N.A.	1,409 Cr	7 yrs	0.87%
HDFC Floating Rate Debt Fund	N.A.	15,446 Cr	18 yrs	0.49%
Aditya Birla Sun Life Floating Rate Fund	N.A.	13,402 Cr	22 yrs 4 m	0.43%
Franklin India Floating Rate Fund	N.A.	334 Cr	24 yrs 6 m	0.97%
ICICI Prudential Floating Interest Fund	N.A.	7,133 Cr	19 yrs 11 m	1.11%

View all Floater funds

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

Alpha	2.85 vs. 4.17 Underperformed at beating benchmark
Sharpe	0.71 vs. 5.33 Poor risk-adjusted returns
Beta	1.35 vs. 2.25 Less sensitive to market ups & downs
Standard deviation	0.59 vs. 0.89 More stable returns

Compare UTI Floater Fund in detail with

About this fund

About UTI Floater Fund

UTI Floater Fund is a Floater mutual fund scheme from Uti Mutual Fund. This fund has been in existence for 7 yrs, having been launched on 12/10/2018. UTI Floater Fund has ₹1,409 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 Floater Fund as of 20/10/2025 is ₹1525.56. The fund has an expense ratio of 0.87%, which is higher than what most other Floater funds charge.

UTI Floater Fund returns of last 1-year are 7.25%. Since launch, it has delivered 6.24% average annual returns.
UTI Floater 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 below 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 similar borrowers and hence the risk of default in this fund is same as the category.
The fund's top holdings are in GOI, Export-Import Bank Of India, Summit Digitel Infrastructure Pvt. Ltd., National Housing Bank, Small Industries Devp. Bank of India Ltd..

...

Fund AUM	1,409 Cr as on Sep 30, 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 reasonable returns and reduce interest rate risk by investing in a portfolio comprising predominantly of floating rate instruments and fixed rate instruments swapped for floating rate returns. The Scheme may also invest a portion of its net assets in fixed rate debt securities and money market instruments.

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	3Y
UTI Banking & PSU Fund	N.A.	816 Cr	8.06%	7.64%
UTI Credit Risk Fund	N.A.	266 Cr	7.61%	7.48%
UTI Medium to Long Duration Fund	N.A.	322 Cr	6.44%	7.25%
UTI Gilt Fund	N.A.	566 Cr	5.49%	7.13%
UTI Medium Duration Fund	N.A.	40 Cr	6.98%	7.11%
UTI Ultra Short Duration Fund	N.A.	3,483 Cr	6.83%	6.91%

See all Debt funds from this AMC

Frequently asked questions

What is the current NAV of UTI Floater Fund?

The current Net Asset Value (NAV) of the UTI Floater Fund plan is approximately ₹1525.5636 as of Oct 20, 2025.

What are the returns of this mutual fund scheme?

The UTI Floater Fund is a 7 yrs old fund and has delivered average annual returns of 6.22% since inception.

UTI Floater Fund Returns

1-Year	3-Year	5-Year	Since Inception
7.23%	7.02%	5.49%	6.22%

How much does this mutual fund charge as expense ratio?

The UTI Floater Fund has an expense ratio of 0.87%, 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 Floater Fund currently has assets under management (AUM) or fund size valued at approximately 1,409 Cr as on Sep 30, 2025.

To whom does UTI Floater Fund lend to?

The top 3 debt holdings of UTI Floater Fund are as follows

Holding Name	Percentage of Portfolio
GOI	6.42%
Export-Import Bank Of India	5.4%
Summit Digitel Infrastructure Pvt. Ltd.	3.65%

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 Floater Fund allocation by credit quality is given below

Credit Quality	Percentage of Portfolio
AAA	79.72715549%
Cash & Call Money	8.26265649%
SOV	8.24633649%

What is risk level of UTI Floater Fund?

This is a Floater fund comes with Low to 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 Floater Fund?

Redeeming your investments in the UTI Floater 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 Floater

#NA

Volatility Protection: This fund is one of the best in protecting against volatility in it's category.
Exit Load: This fund has no exit load.
Return Consistency: This fund ranks lower in terms of generating consistent return in it's category.
Return/Risk: The fund is performing poorly than its category.