UTI Medium Duration Fund Direct-Growth

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

The UTI Medium Duration Fund Direct-Growth is a 10 yrs 7 m old fund and has delivered average annual returns of 6.74% since inception. UTI Medium Duration Fund Direct-Growth Returns 1-Year 3-Year 5-Year 10-Year Since Inception 7.7% 7.81% 6.56% 6.56% 6.74%

NAV as of Oct 20, 2025	Returns since inception	ET Money Rank	AUM (Fund size)
₹19.9274+0.05% 1 day change	6.74% p.a.	App exclusive #NA View Ranked Funds	₹40 Cr

Historical NAV & returns

NAV: ₹19.9274 as on Oct 20, 2025

This fund Category average

UTI Medium Duration Fund overview

Expense ratio	0.83% as on Sep 30, 2025
Exit load	1.0% For units in excess of 10% of the investment,1% will be charged for redemption within 365 days!
AUM (Fund size)	₹40 Cr
Lock-in Period	Nil
Age	10 yrs 7 m since Mar 25, 2015
Benchmark	NIFTY Medium Duration Debt Index A-III
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 Medium 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 25, 2025

Period	This fund	Category average
1 Month	0.55%	0.73%
3 Months	1.02%	1.34%
6 Months	2.54%	3.34%
1 Year	7.7%	8.94%
2 Years	8.24%	9.11%
3 Years	7.81%	8.46%
4 Years	6.32%	7.27%
5 Years	6.56%	7.39%
7 Years	5.85%	7.21%
10 Years	6.56%	7.44%

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

SOV 48.60222303%

AA 21.04091299%

AAA 14.90978604%

Cash & Call Money 8.84089268%

Top Debt Holdings

GOI 40.81%

Uttar Pradesh State 7.8%

Bajaj Finance Ltd. 7.44%

Eris Lifesciences Ltd. 5.03%

Allocation by Instruments

GOI Securities 40.80442526%

Debenture 34.67131472%

Net Current Assets 8.76650988%

State Development Loan 7.79779777%

Other Holdings

Others 8.77%

Detailed portfolio analysis

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

Alpha	0.6 vs. 2.85 Underperformed at beating benchmark
Sharpe	0.83 vs. 3.22 Poor risk-adjusted returns
Beta	0.74 vs. 1.31 Less sensitive to market ups & downs
Standard deviation	1.32 vs. 1.43 More stable returns

Compare UTI Medium Duration Fund in detail with

About this fund

About UTI Medium Duration Fund

UTI Medium Duration Fund Direct-Growth is a Medium Duration mutual fund scheme from Uti Mutual Fund. This fund has been in existence for 10 yrs 7 m, having been launched on 25/03/2015. UTI Medium Duration Fund Direct-Growth has ₹40 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 Medium Duration Fund Direct-Growth as of 20/10/2025 is ₹19.93. The fund has an expense ratio of 0.83%, which is higher than what most other Medium Duration funds charge.

UTI Medium Duration Fund Direct-Growth returns of last 1-year are 7.75%. Since launch, it has delivered 6.74% average annual returns.
UTI Medium Duration 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 moderate indicating it has lent to borrowers whose quality is good. 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, Uttar Pradesh State, Bajaj Finance Ltd., Eris Lifesciences Ltd., Shivshakti Securitisation Trust.

...

Fund AUM	40 Cr as on Sep 30, 2025
Scheme document	View Scheme Document

Fund managers

Sunil Madhukar Patil

Mr. Patil is MMF, Finance He joined UTI AMC in October 1989. He has overall 32 years of experience in Primary Market Investment / Dealing and Fund Management.

Investment objective

The scheme seeks to generate reasonable income by investing in debt & money market securities such that the Macaulay duration of the portfolio is between 3 to 4 years.

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	7.92%	8.62%
UTI Credit Risk Fund	N.A.	266 Cr	8.27%	8.24%
UTI Short Duration Fund	N.A.	3,231 Cr	8.25%	8.14%
UTI Corporate Bond Fund	N.A.	5,716 Cr	8.62%	8.05%
UTI Dynamic Bond Fund	N.A.	455 Cr	7.38%	8.01%
UTI Banking & PSU Fund	N.A.	816 Cr	8.29%	7.93%

See all Debt funds from this AMC

Frequently asked questions

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

The current Net Asset Value (NAV) of the UTI Medium Duration Fund - Direct Growth plan is approximately ₹19.9274 as of Oct 20, 2025.

What are the returns of this mutual fund scheme?

The UTI Medium Duration Fund Direct-Growth is a 10 yrs 7 m old fund and has delivered average annual returns of 6.74% since inception.

UTI Medium Duration Fund Direct-Growth Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
7.7%	7.81%	6.56%	6.56%	6.74%

How much does this mutual fund charge as expense ratio?

The UTI Medium Duration Fund - Direct Growth has an expense ratio of 0.83%, 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 Medium Duration Fund currently has assets under management (AUM) or fund size valued at approximately 40 Cr as on Sep 30, 2025.

To whom does UTI Medium Duration Fund lend to?

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

Holding Name	Percentage of Portfolio
GOI	40.81%
Uttar Pradesh State	7.8%
Bajaj Finance Ltd.	7.44%

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 Medium Duration Fund allocation by credit quality is given below

Credit Quality	Percentage of Portfolio
SOV	48.60222303%
AA	21.04091299%
AAA	14.90978604%

What is risk level of UTI Medium Duration Fund?

This is a Medium 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 do I invest in UTI Medium Duration 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 Medium Duration 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 Medium Duration Fund is complete.

How can I redeem my investments in UTI Medium Duration Fund?

Redeeming your investments in the UTI Medium 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 Medium Duration

#NA

Return Outperformance: This fund has generated highest return amongst Medium Duration funds in the last 5 Years.
Return Consistency: This fund ranks lower in terms of generating consistent return in it's category.
Volatility Protection: This fund ranks lower in terms of protecting against volatility within its category.
Return/Risk: The fund is performing poorly than its category.
Exit Load: For units in excess of 10% of the investment,1% will be charged for redemption within 365 days