UTI Gilt Fund Direct-Growth

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

The UTI Gilt Fund Direct-Growth is a 13 yrs 1 m old fund and has delivered average annual returns of 8.04% since inception. UTI Gilt Fund Direct-Growth Returns 1-Year 3-Year 5-Year 10-Year Since Inception 4.55% 6.92% 5.61% 7.72% 8.04%

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

The UTI Gilt Fund - Direct Growth has an expense ratio of 0.43% , 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)
₹65.8032-0.3% 1 day change	8.04% p.a.	App exclusive #NA View Ranked Funds	₹545 Cr

Historical NAV & returns

NAV: ₹65.8032 as on Feb 02, 2026

This fund Category average

UTI Gilt Fund overview

Expense ratio	0.43% as on Feb 02, 2026
Exit load	0%
AUM (Fund size)	₹545 Cr
Lock-in Period	Nil
Age	13 yrs 1 m since Jan 01, 2013
Benchmark	CRISIL Dynamic Gilt Index
Min. investment	SIP: ₹500 & Lumpsum: ₹5000
Risk	Moderate
Tax on your gains	Profits are added to your income and taxed as per your slab rate

UTI Gilt 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	0.14%	-0.4%
3 Months	0.6%	-0.06%
6 Months	0.31%	-0.38%
1 Year	4.55%	3.66%
2 Years	6.41%	6.09%
3 Years	6.92%	6.84%
4 Years	6.38%	6.29%
5 Years	5.61%	5.67%
7 Years	7.18%	7.26%
10 Years	7.72%	7.78%

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

SOV 96.76259682%

Cash & Call Money 3.23740313%

Top Debt Holdings

GOI 89.76%

Assam State 5.44%

Uttarakhand State 1.57%

Others 0.29%

Allocation by Instruments

GOI Securities 89.75854921%

State Development Loan 7.004047610000001%

Net Current Assets 2.94578485%

CBLO 0.29161828%

Other Holdings

Others 2.95%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
UTI Gilt Fund	0.14%	0.31%	4.55%	6.92%	5.61%	7.72%
SBI Gilt Fund	0.12%	0.08%	4.22%	7.15%	6.29%	8.27%
Axis Gilt Fund	-0.26%	0.13%	4.52%	7.39%	5.87%	7.61%
PGIM India Gilt Fund	-0.51%	-0.92%	3.33%	6.95%	5.84%	7.31%
ICICI Prudential Gilt Fund	-0.21%	0.88%	6.26%	8.03%	6.76%	8.72%
DSP Gilt Fund	-0.62%	-0.73%	3.56%	7.21%	6.1%	8.13%

Fund name	Std. deviation	Beta	Sharpe	Sortino
UTI Gilt Fund	2.96	0.8	0.26	0.31
SBI Gilt Fund	3.08	0.84	0.36	0.52
Axis Gilt Fund	3.0	0.82	0.44	0.66
PGIM India Gilt Fund	2.97	0.83	0.32	0.44
ICICI Prudential Gilt Fund	1.91	0.49	0.98	1.15
DSP Gilt Fund	3.62	0.99	0.37	0.53

Fund name	ETM Rank	AUM	Fund age	Expense ratio
UTI Gilt Fund	N.A.	545 Cr	13 yrs 1 m	0.43%
SBI Gilt Fund	N.A.	10,817 Cr	13 yrs 1 m	0.46%
Axis Gilt Fund	N.A.	686 Cr	13 yrs 1 m	0.42%
PGIM India Gilt Fund	N.A.	104 Cr	13 yrs 1 m	0.55%
ICICI Prudential Gilt Fund	N.A.	9,181 Cr	13 yrs 1 m	0.57%
DSP Gilt Fund	N.A.	1,292 Cr	13 yrs 1 m	0.57%

View all Gilt funds

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

Alpha	-0.42 vs. 2.03 Underperformed at beating benchmark
Sharpe	0.26 vs. 2.3 Poor risk-adjusted returns
Beta	0.8 vs. 0.54 More sensitive to market's ups & downs
Standard deviation	2.96 vs. 2.74 More volatile performance

About this fund

About UTI Gilt Fund

UTI Gilt Fund Direct-Growth is a Gilt mutual fund scheme from Uti Mutual Fund. This fund has been in existence for 13 yrs 1 m, having been launched on 01/01/2013. UTI Gilt Fund Direct-Growth has ₹545 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 Gilt Fund Direct-Growth as of 02/02/2026 is ₹65.80. The fund has an expense ratio of 0.43%, which is close to what most other Gilt funds charge.

UTI Gilt Fund Direct-Growth returns of last 1-year are 4.56%. Since launch, it has delivered 8.04% average annual returns. The fund has doubled the money invested in it every 10 yrs.
UTI Gilt 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, Assam State, Uttarakhand State.

...

Fund AUM	545 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

To generate credit risk-free return through investments in sovereign securities issued by the Central and/ or a state Government.

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 Credit Risk Fund	N.A.	260 Cr	7.54%	7.89%
UTI CRISIL SDL Maturity April 2033 Index Fund	N.A.	321 Cr	5.38%	7.85%
UTI Nifty SDL Plus AAA PSU Bond Apr 2028 75:25 Index Fund	N.A.	34 Cr	7.58%	N.A.
UTI Short Duration Fund	N.A.	3,181 Cr	7.07%	7.72%
UTI CRISIL SDL Maturity June 2027 Index Fund	N.A.	72 Cr	7.54%	7.72%
UTI Gilt Fund with 10 year Constant Duration	N.A.	139 Cr	5.53%	7.65%

See all Debt funds from this AMC

Frequently asked questions

What is the current NAV of UTI Gilt Fund Direct-Growth?

The current Net Asset Value (NAV) of the UTI Gilt Fund - Direct Growth plan is approximately ₹65.8032 as of Feb 02, 2026.

What are the returns of this mutual fund scheme?

The UTI Gilt Fund Direct-Growth is a 13 yrs 1 m old fund and has delivered average annual returns of 8.04% since inception.

UTI Gilt Fund Direct-Growth Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
4.55%	6.92%	5.61%	7.72%	8.04%

How much does this mutual fund charge as expense ratio?

The UTI Gilt Fund - Direct Growth has an expense ratio of 0.43%, 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 Gilt Fund currently has assets under management (AUM) or fund size valued at approximately 545 Cr as on Dec 31, 2025.

To whom does UTI Gilt Fund lend to?

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

Holding Name	Percentage of Portfolio
GOI	89.76%
Assam State	5.44%
Uttarakhand State	1.57%

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 Gilt Fund allocation by credit quality is given below

Credit Quality	Percentage of Portfolio
SOV	96.76259682%
Cash & Call Money	3.23740313%

What is risk level of UTI Gilt Fund?

This is a Gilt 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 Gilt Fund Direct-Growth?

It is very fast, easy, and completely paperless in this mutual fund scheme on ET Money. The whole process takes just a few minutes. Here's how it works:

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 Gilt Fund - Direct Growth, select your investment mode (lump sum or SIP), and enter the investment amount.
Provide the required details, including the bank account you'll use for payment, and confirm your investment.

That's it. Your investment in the UTI Gilt Fund is complete.

How can I redeem my investments in UTI Gilt Fund?

Redeeming your investments in the UTI Gilt 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 Gilt

#NA

Volatility Protection: This fund is one of the best in protecting against volatility in it's category.
Return/Risk: For every unit of risk this fund takes, it produces 20% more returns.
Exit Load: This fund has no exit load.
Return Consistency: This fund ranks lower in terms of generating consistent return in it's category.