UTI Low Duration Fund

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

The UTI Low Duration Fund is a 22 yrs 7 m old fund and has delivered average annual returns of 3.79% since inception. UTI Low Duration Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 7.67% 7.48% 7.07% 6.17% 3.79%

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

The UTI Low Duration Fund has an expense ratio of 0.45% , 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)
₹3624.7277+0.04% 1 day change	3.79% p.a.	App exclusive #NA View Ranked Funds	₹2,302 Cr

Historical NAV & returns

NAV: ₹3624.7277 as on Oct 20, 2025

This fund Category average

UTI Low Duration Fund overview

AUM (Fund size)	₹2,302 Cr
Exit load	0%
Lock-in Period	Nil
Age	22 yrs 7 m since Mar 21, 2003
Benchmark	NIFTY Low Duration Debt Index A-I
Min. investment	SIP: ₹500 & Lumpsum: ₹1000
Expense ratio	0.45% as on Sep 30, 2025
Plan type	Regular
Risk	Moderate
Tax on your gains	Profits are added to your income and taxed as per your slab rate

UTI Low Duration 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 26, 2025

Period	This fund	Category average
1 Month	0.56%	0.51%
3 Months	1.45%	1.33%
6 Months	3.39%	3.2%
1 Year	7.67%	7.37%
2 Years	7.72%	7.4%
3 Years	7.48%	7.2%
4 Years	6.56%	6.25%
5 Years	7.07%	5.88%
7 Years	5.55%	6.19%
10 Years	6.17%	6.52%

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 68.97047935%

AA 12.02427076%

AA+ 10.51979168%

A1+ 9.50015782%

Top Debt Holdings

Reserve Bank of India 9.39%

Embassy Office Parks REIT 6.96%

Bajaj Housing Finance Ltd. 6.55%

Sikka Ports and Terminals Ltd. 5.66%

Allocation by Instruments

Debenture 38.766222110000015%

Non Convertible Debenture 30.559724679999995%

Bonds 14.07598199%

Treasury Bills 9.396496670000001%

Other Holdings

Others 0.41%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
UTI Low Duration Fund	0.56%	3.39%	7.67%	7.48%	7.07%	6.17%
DSP Low Duration Fund	0.53%	3.21%	7.31%	7.23%	5.76%	6.7%
Sundaram Low Duration Fund	0.47%	3.03%	7.03%	6.95%	7.03%	5.91%
Mirae Asset Low Duration Fund	0.5%	3.2%	7.28%	7.07%	5.55%	5.98%
SBI Magnum Low Duration Fund	0.48%	3.14%	7.21%	7.11%	5.6%	6.59%

Fund name	Std. deviation	Beta	Sharpe	Sortino
UTI Low Duration Fund	0.4	1.04	2.27	5.06
DSP Low Duration Fund	0.4	1.11	1.63	2.69
Sundaram Low Duration Fund	0.4	0.99	1.02	1.98
Mirae Asset Low Duration Fund	0.37	1.01	1.35	2.47
SBI Magnum Low Duration Fund	0.39	1.07	1.42	2.86

Fund name	ETM Rank	AUM	Fund age	Expense ratio
UTI Low Duration Fund	N.A.	2,302 Cr	22 yrs 7 m	0.45%
DSP Low Duration Fund	N.A.	5,304 Cr	10 yrs 7 m	0.62%
Sundaram Low Duration Fund	N.A.	390 Cr	21 yrs 2 m	1.15%
Mirae Asset Low Duration Fund	N.A.	2,232 Cr	17 yrs 7 m	0.85%
SBI Magnum Low Duration Fund	N.A.	16,764 Cr	18 yrs 3 m	0.92%

View all Low Duration funds

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

Alpha	2.77 vs. 2.82 Underperformed at beating benchmark
Sharpe	2.27 vs. 2.83 Poor risk-adjusted returns
Beta	1.04 vs. 1.4 Less sensitive to market ups & downs
Standard deviation	0.4 vs. 0.34 More volatile performance

Compare UTI Low Duration Fund in detail with

About this fund

About UTI Low Duration Fund

UTI Low Duration Fund is a Low Duration mutual fund scheme from Uti Mutual Fund. This fund has been in existence for 22 yrs 7 m, having been launched on 21/03/2003. UTI Low Duration Fund has ₹2,302 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 Low Duration Fund as of 20/10/2025 is ₹3624.73. The fund has an expense ratio of 0.45%, which is higher than what most other Low Duration funds charge.

UTI Low Duration Fund returns of last 1-year are 7.76%. Since launch, it has delivered 7.21% average annual returns. The fund has doubled the money invested in it every 12 yrs.
UTI Low Duration 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 above 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 Reserve Bank of India, Embassy Office Parks REIT, Bajaj Housing Finance Ltd., Sikka Ports and Terminals Ltd., REC Ltd..

...

Fund AUM	2,302 Cr as on Sep 30, 2025
Scheme document	View Scheme Document

Fund managers

Anurag Mittal

Mr. Mittal is B.Com. (Hons), CA and M.Sc. in Accounting and Finance (specialization in Finance) from London School of Economics & Political Science. Prior to joining UTI Mutual Fund, he worked with IDFC AMC, HDFC AMC ( Sept. 2012 - Oct. 2015), Axis AMC (July 2009 - Sept. 2012), ICICI Prudential Life Insurance Company Ltd. as Credit Research Analyst (2008-2009) and with Bank of America in Corporate Banking (2006-2008).

Investment objective

The scheme seeks to generate reasonable income for its investors consistent with high liquidity by investing in a portfolio of debt & 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 Gilt Fund with 10 year Constant Duration	N.A.	141 Cr	7.48%	8.02%
UTI Corporate Bond Fund	N.A.	5,716 Cr	8.3%	7.7%
UTI CRISIL SDL Maturity April 2033 Index Fund	N.A.	325 Cr	6.78%	N.A.
UTI Money Market Fund	N.A.	18,862 Cr	7.6%	7.59%
UTI Banking & PSU Fund	N.A.	816 Cr	8.05%	7.57%
UTI Short Duration Fund	N.A.	3,231 Cr	7.78%	7.55%

See all Debt funds from this AMC

Frequently asked questions

What is the current NAV of UTI Low Duration Fund?

The current Net Asset Value (NAV) of the UTI Low Duration Fund plan is approximately ₹3624.7277 as of Oct 20, 2025.

What are the returns of this mutual fund scheme?

The UTI Low Duration Fund is a 22 yrs 7 m old fund and has delivered average annual returns of 3.79% since inception.

UTI Low Duration Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
7.67%	7.48%	7.07%	6.17%	3.79%

How much does this mutual fund charge as expense ratio?

The UTI Low Duration Fund has an expense ratio of 0.45%, 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 Low Duration Fund currently has assets under management (AUM) or fund size valued at approximately 2,302 Cr as on Sep 30, 2025.

To whom does UTI Low Duration Fund lend to?

The top 3 debt holdings of UTI Low Duration Fund are as follows

Holding Name	Percentage of Portfolio
Reserve Bank of India	9.39%
Embassy Office Parks REIT	6.96%
Bajaj Housing Finance Ltd.	6.55%

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 Low Duration Fund allocation by credit quality is given below

Credit Quality	Percentage of Portfolio
AAA	68.97047935%
AA	12.02427076%
AA+	10.51979168%

What is risk level of UTI Low Duration Fund?

This is a Low Duration 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 Low Duration Fund?

Redeeming your investments in the UTI Low Duration 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 Low Duration

#NA

Return Consistency: This fund is one of the best in generating consistent return in it's category.
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 Low Duration funds in the last 5 Years.
Exit Load: This fund has no exit load.
Return/Risk: The fund is performing poorly than its category.