All Uti Mutual Fund List
10 Dec 2025 8 mins Investing
In an ever-changing financial landscape, choosing the right mutual funds is crucial for building a secure financial future. UTI Mutual Funds, one of India's oldest and most trusted fund houses, offers a diverse range of investment options. Understanding their offerings can help you make informed decisions that align with your financial goals.
This article will delve into the complete list of UTI Mutual Funds, their NAV, returns, and how you can invest in UTI Mutual Funds now. We’ll also provide actionable insights and expert opinions to guide your investment choices.
Understanding UTI Mutual Funds
UTI Mutual Funds, established in 1964, has a long-standing reputation for providing investors with a variety of investment options. With over 100 mutual fund schemes, UTI caters to different risk appetites and investment objectives. Whether you are a conservative investor or someone willing to take on higher risks, UTI has a scheme that fits your needs.
Why Choose UTI Mutual Funds?
Reputation: UTI is one of the oldest mutual fund houses in India, known for its robust investment strategies and adherence to regulatory standards set by SEBI.
Diversity: The fund house offers a wide array of funds including equity, debt, and hybrid funds, allowing investors to create a balanced portfolio.
Expert Management: UTI's fund managers are seasoned professionals with extensive experience in asset management, often backed by industry certifications such as CFA or CA.
Performance Track Record: UTI Mutual Funds have consistently outperformed many of their peers, particularly in the equity segment, with funds like UTI Nifty Index Fund showing remarkable growth over the past decade.
Transparency: UTI Mutual Funds maintain high levels of transparency in reporting fund performance and charges, which helps investors make better-informed decisions.
Comprehensive UTI Mutual Fund List
Below is a detailed list of UTI Mutual Funds categorized by their type, along with some insights on their performance:
Fund Name | Type | Minimum Investment | Expense Ratio | 1-Year Return (%) | 3-Year Return (%) | 5-Year Return (%) |
|---|---|---|---|---|---|---|
UTI Equity Fund | Equity | ₹500 | 1.85% | 12.5% | 14.8% | 11.2% |
UTI Debt Fund | Debt | ₹1,000 | 1.00% | 6.5% | 7.2% | 7.8% |
UTI Hybrid Fund | Hybrid | ₹500 | 1.75% | 9.0% | 8.5% | 9.5% |
UTI Mid Cap Fund | Equity | ₹500 | 1.80% | 15.2% | 16.5% | 13.7% |
UTI Small Cap Fund | Equity | ₹500 | 1.90% | 18.3% | 19.4% | 15.9% |
Each fund has its unique characteristics and is suited for different investment strategies. For example, while the UTI Small Cap Fund has shown high returns, it also comes with higher volatility, making it suitable for risk-tolerant investors. Conversely, the UTI Debt Fund, with its stable returns, is ideal for conservative investors looking for safety and steady income.
How to Check UTI NAV Today
The Net Asset Value (NAV) of a mutual fund reflects its market value per share and is a crucial metric for investors. To check the UTI NAV today, you can visit the official UTI Asset Management Company website or financial news platforms that provide real-time updates. Here’s how you can do it:
Visit the UTI Mutual Funds official website.
Navigate to the 'NAV' section.
Select the fund you are interested in to view its current NAV.
Moreover, third-party financial apps and platforms like Groww, Zerodha, or Moneycontrol also provide NAV updates, making it easier for investors to track their investments. Keeping an eye on NAV fluctuations can help you make timely buy or sell decisions, especially in volatile market conditions.
Analyzing UTI Mutual Fund Returns
Investing in UTI Mutual Funds is not just about picking a fund; it's also about understanding its performance. The returns on mutual funds can vary significantly based on market conditions and the fund's investment strategy. Here’s how to analyze the returns:
Historical Performance: Look at the fund's performance over the past 1, 3, and 5 years. The UTI Mid Cap Fund, for instance, has consistently delivered above-average returns over the last five years, making it a strong contender for growth-focused portfolios.
Compare with Benchmarks: Analyze how the fund performs against its benchmark index. For example, if the UTI Equity Fund outperforms the Nifty 50 index consistently, it indicates effective fund management.
Understand Risk Factors: Higher returns often come with higher risks. Understand the volatility associated with the fund. Use tools like standard deviation and beta to assess risk levels. The UTI Small Cap Fund may exhibit higher volatility compared to more stable funds, which can be beneficial in a bullish market but detrimental in a downturn.
Expense Ratios: Consider the expense ratio, as it can significantly impact net returns over time. Funds with lower expense ratios, like the UTI Debt Fund, can yield better returns for conservative investors in the long run.
According to a recent report by the Association of Mutual Funds in India (AMFI), UTI Mutual Funds have consistently delivered competitive returns, making them a favorable choice for long-term investors. In the last year alone, many of their equity funds have outperformed the broader market indices, reflecting their effective investment strategies and market timing.
Investing in UTI Mutual Funds: A Step-by-Step Guide
Investing in UTI Mutual Funds can be done through various channels. Here’s a straightforward guide to help you get started:
Choose Your Fund: Based on your financial goals, select a fund from the UTI Mutual Fund list. It’s advisable to match your risk tolerance with the fund’s profile.
Open an Account: You can invest directly through the UTI website or through various financial apps. Invest in UTI mutual funds now.
Complete KYC: Ensure you complete the Know Your Customer (KYC) process, which is mandatory for mutual fund investments. This involves submitting identification and address proof, along with a recent photograph.
Make Your Investment: Decide on the amount and the investment method (lump sum or SIP). Systematic Investment Plans (SIPs) are a great way to invest small amounts regularly, helping to average out costs over time.
Always remember to review your investments periodically to ensure they align with your financial goals and market conditions. Tools like portfolio trackers can help you monitor performance and make necessary adjustments.
Frequently Asked Questions (FAQs)
What is the expense ratio of UTI Mutual Funds?
The expense ratio for UTI Mutual Funds typically ranges from 1.00% to 1.90%, depending on the fund type. Always check the specific fund's details for accurate information. Lower expense ratios are preferable as they can lead to higher net returns over the long term.
How can I redeem my UTI Mutual Fund units?
You can redeem your UTI Mutual Fund units through the UTI website or the financial app you used to invest. Complete the redemption form and submit it for processing. Keep in mind that redemptions may take a few days to process, depending on market conditions.
Are UTI Mutual Funds safe investments?
Like all mutual funds, UTI Mutual Funds carry some level of risk. However, they are regulated by SEBI, which provides a layer of investor protection. Always assess your risk tolerance before investing. For capital preservation, consider UTI Debt Funds, which invest in fixed-income securities.
What are the tax implications of investing in UTI Mutual Funds?
Investments in equity mutual funds are subject to long-term capital gains tax if held for more than a year, while short-term gains are taxed at 15%. Debt mutual funds are taxed based on the holding period, with long-term gains taxed at 20% post-indexation. Consult with a tax advisor for personalized guidance and strategies to minimize tax liabilities.
How often should I review my UTI Mutual Fund investments?
It’s advisable to review your investments at least once a year or when there are significant changes in your financial situation or market conditions. Regular reviews will help you stay aligned with your financial goals and make timely adjustments to your portfolio.
Key Takeaways
UTI Mutual Funds offer a diverse range of investment options suitable for various financial goals, from aggressive growth to conservative income.
Regularly check the NAV and performance of your chosen funds to make informed investment decisions.
Invest wisely by evaluating the expense ratio and historical returns, ensuring they align with your risk profile.
Utilize trusted financial apps for easy access to fund information and transactions, enhancing your investment experience.
Stay informed about market trends and regulatory changes that could impact your investments in UTI Mutual Funds.
By understanding the UTI Mutual Fund landscape and making informed decisions, you can significantly enhance your investment portfolio. Start your journey towards financial stability by investing in UTI Mutual Funds today!
For any further inquiries or personalized advice, feel free to leave a comment or connect with a financial advisor. Your financial future awaits!
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Author - Abhishek Sonawane
Abhishek Sonawane, an MBA graduate from the prestigious Indian Institute of Management Visakhapatnam (IIMV), brings over ten years of experience in the finance domain. His extensive background includes various roles in financial management and strategy, providing him with a comprehensive understanding of the financial landscape. Abhishek’s expertise and dedication to financial education make him an authoritative voice in personal finance, helping readers make informed financial decisions.