UTI Gilt Fund

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

The UTI Gilt Fund is a 24 yrs old fund and has delivered average annual returns of 7.98% since inception. UTI Gilt Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 4.25% 6.63% 5.32% 7.42% 7.98%

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

The UTI Gilt Fund has an expense ratio of 0.91% , 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)
₹63.4412-0.3% 1 day change	7.98% p.a.	App exclusive #NA View Ranked Funds	₹545 Cr

Historical NAV & returns

NAV: ₹63.4412 as on Feb 02, 2026

This fund Category average

UTI Gilt Fund overview

AUM (Fund size)	₹545 Cr
Exit load	0%
Lock-in Period	Nil
Age	24 yrs since Jan 14, 2002
Benchmark	CRISIL Dynamic Gilt Index
Min. investment	SIP: ₹500 & Lumpsum: ₹1000
Expense ratio	0.91% 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 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	0.11%	-0.45%
3 Months	0.51%	-0.2%
6 Months	0.15%	-0.9%
1 Year	4.25%	2.85%
2 Years	6.12%	5.33%
3 Years	6.63%	6.1%
4 Years	6.09%	5.56%
5 Years	5.32%	4.94%
7 Years	6.88%	6.51%
10 Years	7.42%	7.0%

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	0.11%	0.15%	4.25%	6.63%	5.32%	7.42%
SBI Gilt Fund	0.08%	-0.16%	3.72%	6.64%	5.78%	7.73%
SBI Gilt Fund	0.08%	-0.16%	3.72%	6.64%	5.78%	7.73%
Axis Gilt Fund	-0.3%	-0.07%	4.1%	6.95%	5.35%	7.08%
SBI Gilt Fund	0.08%	-0.14%	3.75%	6.65%	5.78%	7.73%
ICICI Prudential Gilt Fund	-0.25%	0.61%	5.7%	7.47%	6.18%	8.12%

Fund name	Std. deviation	Beta	Sharpe	Sortino
UTI Gilt Fund	2.96	0.8	0.17	0.2
SBI Gilt Fund	3.08	0.84	0.2	0.29
SBI Gilt Fund	3.08	0.84	0.2	0.29
Axis Gilt Fund	3.0	0.82	0.3	0.46
SBI Gilt Fund	3.08	0.84	0.2	0.29
ICICI Prudential Gilt Fund	1.91	0.49	0.71	0.83

Fund name	ETM Rank	AUM	Fund age	Expense ratio
UTI Gilt Fund	N.A.	545 Cr	24 yrs	0.91%
SBI Gilt Fund	N.A.	10,817 Cr	25 yrs 1 m	0.96%
SBI Gilt Fund	N.A.	10,817 Cr	22 yrs 2 m	0.96%
Axis Gilt Fund	N.A.	686 Cr	14 yrs	0.82%
SBI Gilt Fund	N.A.	10,817 Cr	22 yrs 2 m	0.96%
ICICI Prudential Gilt Fund	N.A.	9,181 Cr	26 yrs 6 m	1.1%

View all Gilt funds

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

Alpha	-0.7 vs. 1.57 Underperformed at beating benchmark
Sharpe	0.17 vs. 1.85 Poor risk-adjusted returns
Beta	0.8 vs. 0.43 More sensitive to market's ups & downs
Standard deviation	2.96 vs. 2.74 More volatile performance

Compare UTI Gilt Fund in detail with

About this fund

About UTI Gilt Fund

UTI Gilt Fund is a Gilt mutual fund scheme from Uti Mutual Fund. This fund has been in existence for 24 yrs, having been launched on 14/01/2002. UTI Gilt Fund 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 as of 02/02/2026 is ₹63.44. The fund has an expense ratio of 0.91%, which is higher than what most other Gilt funds charge.

UTI Gilt Fund returns of last 1-year are 4.25%. Since launch, it has delivered 7.99% average annual returns. The fund has doubled the money invested in it every 10 yrs.
UTI Gilt 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 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 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 Gilt Fund?

The current Net Asset Value (NAV) of the UTI Gilt Fund plan is approximately ₹63.4412 as of Feb 02, 2026.

What are the returns of this mutual fund scheme?

The UTI Gilt Fund is a 24 yrs old fund and has delivered average annual returns of 7.98% since inception.

UTI Gilt Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
4.25%	6.63%	5.32%	7.42%	7.98%

How much does this mutual fund charge as expense ratio?

The UTI Gilt Fund has an expense ratio of 0.91%, 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 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

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