UTI Gilt Fund Direct-Growth

Q: What are the returns of UTI Gilt Fund?

The UTI Gilt Fund is a 12 yrs 5 m old fund and has delivered average annual returns of 8.5% since inception. UTI Gilt Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 10.68% 8.57% 6.02% 8.14% 8.5%

Q: How much does UTI Gilt Fund charge as the expense ratio?

The UTI Gilt Fund - Direct Growth has an expense ratio of 0.66% , which reflects the fund's management and operating costs. This percentage is subtracted from the fund's annual returns, impacting net returns for investors.

NAV as of Jun 05, 2025	Returns since inception	ET Money Rank	AUM (Fund size)
₹65.9587+0.06% 1 day change	8.5% p.a.	#NA View Ranked Funds	₹742 Crs

Historical NAV & returns

NAV: ₹65.9587 as on Jun 05, 2025

This fund Category average

UTI Gilt Fund overview

Expense ratio	0.66% as on May 31, 2025
Exit load	0%
AUM (Fund size)	₹742 Crs
Lock-in	No Lockin
Age	12 yrs 5 m since Jan 01, 2013
Benchmark	CRISIL Dynamic Gilt TRI
Min. investment	SIP ₹500 & Lump. ₹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 Jun 06, 2025

Period	This fund	Category average
1 Month	0.53%	0.45%
3 Months	4.65%	4.73%
6 Months	5.91%	5.86%
1 Year	10.68%	10.95%
2 Years	8.94%	9.25%
3 Years	8.57%	9.1%
4 Years	6.73%	7.11%
5 Years	6.02%	6.61%
7 Years	7.96%	8.48%
10 Years	8.14%	8.33%

Asset allocationas on Apr 30, 2025

Large Cap 0.0%

Mid Cap 0.0%

Small Cap 0.0%

Other Cap 0.0%

Top holdings

Bifurcation by Holding is not available for this fund

Top sectors

Bifurcation by Sector is not available for this fund

SOV 95.66695829%

Cash & Call Money 3.89393073%

A1+ 0.43911093%

Top Debt Holdings

GOI 87.25%

Chhattisgarh State 4.21%

Assam State 4.2%

Clearing Corporation of India 0.44%

Allocation by Instruments

GOI Securities 87.25061594000002%

State Development Loan 8.41634235%

Net Current Assets 3.89393073%

Commercial Paper 0.43911093%

Other Holdings

Others 3.89%

Peer comparison

Fund name	ETM Rank	AUM (in Crs.)	Fund age	Expense ratio
UTI Gilt Fund	N.A.	₹742 Crs	12 yrs 5 m	0.66%
SBI Magnum Gilt Fund	N.A.	₹11,265 Crs	12 yrs 5 m	0.46%
PGIM India Gilt Fund	N.A.	₹115 Crs	12 yrs 5 m	0.55%
DSP Gilt Fund	N.A.	₹1,782 Crs	12 yrs 5 m	0.57%
Axis Gilt Fund	N.A.	₹836 Crs	12 yrs 5 m	0.41%
LIC MF Gilt Fund	N.A.	₹87 Crs	12 yrs 5 m	0.75%

Fund name	1M	6M	1Y	3Y	5Y	10Y
UTI Gilt Fund	0.53%	5.91%	10.68%	8.57%	6.02%	8.14%
SBI Magnum Gilt Fund	0.44%	6.07%	11.11%	9.54%	7.06%	8.93%
PGIM India Gilt Fund	0.68%	6.05%	11.39%	9.01%	6.86%	7.93%
DSP Gilt Fund	0.28%	5.82%	11.49%	9.47%	7.03%	8.8%
Axis Gilt Fund	0.38%	6.06%	11.58%	9.19%	6.87%	8.22%
LIC MF Gilt Fund	0.16%	5.67%	10.62%	8.18%	6.19%	7.98%

Fund name	Std. deviation	Beta	Sharpe	Sortino
UTI Gilt Fund	2.24	0.7	0.86	1.59
SBI Magnum Gilt Fund	2.39	0.71	1.19	2.29
PGIM India Gilt Fund	2.31	0.73	1.01	1.87
DSP Gilt Fund	2.88	0.9	0.96	1.9
Axis Gilt Fund	2.46	0.76	0.99	2.32
LIC MF Gilt Fund	2.56	0.78	0.63	1.25

View all Gilt funds

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

Alpha	-0.56 vs. 2.39 Underperformed at beating benchmark
Sharpe	0.86 vs. 2.7 Poor risk-adjusted returns
Beta	0.7 vs. 1.06 Less sensitive to market ups & downs
Standard deviation	2.24 vs. 1.92 More volatile performance

Compare UTI Gilt Fund in detail with

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 12 yrs 5 m, having been launched on 01/01/2013. UTI Gilt Fund Direct-Growth has ₹742 Crores worth of assets under management (AUM) as on 31/03/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of UTI Gilt Fund Direct-Growth as of 05/06/2025 is ₹65.96. The fund has an expense ratio of 0.66%, which is higher than what most other Gilt funds charge.

UTI Gilt Fund Direct-Growth returns of last 1-year are 10.80%. Since launch, it has delivered 8.51% average annual returns. The fund has doubled the money invested in it every 9 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 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 better borrowers and hence the risk of default in this fund is higher than the category.
The fund's top holdings are in GOI, Chhattisgarh State, Assam State, Clearing Corporation of India.

...

Fund AUM	₹742 Crs as on Mar 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	62 view all schemes
Total AUM	₹3,39,983 Crs as on Mar 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 (in Crs.)	1Y	3Y
UTI Gilt Fund with 10 year Constant Duration	N.A.	₹173 Crs	12.07%	N.A.
UTI Dynamic Bond Fund	N.A.	₹465 Crs	11.04%	8.46%
UTI Medium to Long Duration Fund	N.A.	₹329 Crs	10.73%	8.44%
UTI Short Duration Fund	N.A.	₹2,791 Crs	9.79%	8.16%
UTI Medium Duration Fund	N.A.	₹40 Crs	10.04%	8.11%

See all Debt funds from this AMC

Frequently asked questions

What is the current NAV of UTI Gilt Fund?

The current Net Asset Value (NAV) of the UTI Gilt Fund - Direct Growth plan is approximately ₹65.9587 as of Jun 05, 2025.

What are the returns of this mutual fund scheme?

The UTI Gilt Fund is a 12 yrs 5 m old fund and has delivered average annual returns of 8.5% since inception.

UTI Gilt Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
10.68%	8.57%	6.02%	8.14%	8.5%

How much does this mutual fund charge as expense ratio?

The UTI Gilt Fund - Direct Growth has an expense ratio of 0.66%, 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 Gilt Fund currently has assets under management (AUM) or fund size valued at approximately ₹742 Crs crore as of Mar 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	87.25%
Chhattisgarh State	4.21%
Assam State	4.2%

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	95.66695829%
Cash & Call Money	3.89393073%
A1+	0.43911093%

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?

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 Gilt 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 Gilt Fund is complete.

How can I redeem my investments in UTI Gilt Fund?

Redeeming your investments in UTI Gilt 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 Gilt Fund from anywhere else, you can go to the fund house website and put a request through it.

ET Money rank

in Gilt

#NA

Volatility Protection: This fund is one of the best in protecting against volatility in it's category.
Return Outperformance: This fund has generated highest return amongst Gilt funds in the last 1 Year.
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.