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3 star

UTI Gilt Fund - Regular Plan

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Debt: Gilt

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1 Lakh

Investment Grown to
₹ 1.10 Lakh

₹ 10000

Monthly SIP Grown to
₹ 1.24 Lakh

Suitability:

This is a fund that invests mainly in bonds issued by the government of India. These bonds do not carry any risk of default since the repayment of investors' money is backed by the government. But they are prone to sharp ups and downs because of changes in interest rates.

However, retail investors can avoid these funds altogether. There are far too many kinds of debt funds with a highly nuanced classification based on the type or duration of bonds they can invest in. We believe that so many fund categories add to complexity which is easily avoidable. Retail investors can simply invest in Liquid funds for an investment horizon of up to one year and Short Duration funds for the fixed income allocation (which should be 100 per cent for an investment horizon of up to three years) in their longer-term portfolios.

Taxability of earnings:

Capital gains

  • If the mutual fund units are sold after 3 years from the date of investment, gains are taxed at the rate of 20% after providing the benefit of inflation indexation.
  • If the mutual fund units are sold within 3 years from the date of investment, entire amount of gain is added to the investors' income and taxed according to the applicable slab rate.
  • No tax is to be paid as long as you continue to hold the units.

Dividends

  • Dividends are added to the income of the investors and taxed according to their respective tax slabs. Further, if an investor's dividend income exceeds Rs. 5,000 in a financial year, the fund house also deducts a TDS of 10% before distributing the dividend.

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Annual Returns
Quarterly Returns
Monthly Returns
Weekly Returns

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(₹)
cal
cal

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Trailing Returns (%)

YTD 1-Day 1-W 1-M 3-M 6-M 1-Y 3-Y 5-Y 7-Y 10-Y
Fund -0.19 -0.01 0.10 0.19 0.56 0.82 9.79 9.41 9.55 10.27 9.46
CCIL All Sovereign Bond - TRI 0.17 0.10 0.19 0.38 2.03 2.14 12.58 11.06 10.08 10.48 9.39
Debt: Gilt -0.20 -0.01 0.07 0.11 0.94 1.79 10.49 9.40 8.98 9.45 8.84
Rank within category 10 15 8 10 23 23 17 16 8 5 6
Number of funds in category 26 26 26 26 25 25 25 25 24 22 20

As on 25-Jan-2021

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
UTI Gilt Fund - Regular Plan  | Invest Online
3 star
 Jan-02 9.79 9.41 9.55 0.93 802
SBI Magnum Gilt Fund  | Invest Online
4 star
 Dec-00 10.95 9.88 9.80 0.95 4,396
IDFC Government Securities Fund - Investment Plan - Regular Plan
5 star
 Dec-08 12.72 11.45 10.06 1.24 2,215
Nippon India Gilt Securities PF
4 star
 Aug-08 10.56 10.46 10.21 1.71 1,777
Nippon India Gilt Securities Fund  | Invest Online
4 star
 Jul-03 10.54 10.45 10.20 1.58 1,777

Best & Worst Performance

Best (Period) Worst (Period)
Week 5.93 (26-Dec-2008 - 02-Jan-2009) -11.10 (02-Jan-2009 - 09-Jan-2009)
Month 13.64 (18-Nov-2008 - 18-Dec-2008) -10.18 (02-Jan-2009 - 03-Feb-2009)
Quarter 31.63 (03-Oct-2008 - 02-Jan-2009) -14.27 (05-Jan-2009 - 06-Apr-2009)
Year 35.55 (03-Jan-2008 - 02-Jan-2009) -13.29 (02-Jan-2009 - 04-Jan-2010)

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 9.13 3.93 1.11 2.29 0.71 0.20
CCIL All Sovereign Bond - TRI 10.60 4.83 1.21 2.04 -- --
Debt: Gilt 9.08 3.89 1.12 2.04 0.74 -0.01
Rank within category 16 13 15 9 9 14
Number of funds in category 25 25 25 25 25 25

The Risk Measures have been calculated using calendar month returns for the last three years.

As on 31-Dec-2020

Portfolio Aggregates

Fund 1Y High 1Y Low Category
Number of Securities 12 12 5 13
Modified Duration (yrs) 6.60 8.95 5.91 6.06
Average Maturity (yrs) 9.62 14.83 8.44 8.71
Yield to Maturity (%) 5.69 6.91 5.69 5.60
Avg Credit Rating GOI/Cash -- -- --

Value Research Fund Style

Credit Rating vis-à-vis Category

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Top Holdings

Company Instrument Credit Rating 1Y Range % Assets
down 6.19% GOI 16/09/2034 GOI Securities SOV 0.00 - 58.69 28.54
up 5.77% GOI 2030 GOI Securities SOV 0.00 - 46.91 28.30
new Reserve Bank of India 91-D 07/01/2021 Treasury Bills SOV 0.00 - 8.72 8.72
down 5.79% GOI 2030 GOI Securities SOV 0.00 - 21.42 8.66
new 5.15% GOI 2025 GOI Securities SOV 0.00 - 6.25 6.25
equal 6.22% GOI 16/03/2035 GOI Securities SOV 0.00 - 6.21 6.21
new 5.22% GOI 15/06/2025 GOI Securities SOV 0.00 - 4.39 4.39
equal Reserve Bank of India 2021 Treasury Bills SOV 0.00 - 3.08 3.08
equal 8.13% GOI 22/06/2045 GOI Securities SOV 2.11 - 3.52 2.23
equal 6.89% Madhya Pradesh State 21/10/2040 State Development Loan SOV 0.00 - 0.82 0.82
equal 6.87% Andhra Pradesh State 21/10/2035 State Development Loan SOV 0.00 - 9.76 0.40
equal 7.24% GOI 29/01/2030 GOI Securities SOV 0.22 - 4.41 0.23

up down equal Indicates an increase or decrease or no change in holding since last portfolio
new Indicates a new holding since last portfolio

As on 31-Dec-2020

Fund Manager

— Amandeep Singh Chopra since 16-Feb-2012

Education: Mr. Chopra is a B.Sc. from St.Stephen's College and an MBA from FMS, Delhi.

Experience: He has been with associated with UTI AMC for over two decades.

Interviews:

Funds Managed:

Invest Online
-0.01%

Change from previous, NAV as on 25-Jan-2021

Growth: ₹ 49.2820

Dividend Quarterly: ₹ 30.5696

Investment Strategy

To generate credit risk-free return through investments in sovereign securities issued by the Central and/ or a state Government.

Investment Details

Minimum Investment (₹) 5,000
Minimum Addl Investment (₹) 1,000
Minimum SIP Investment (₹) 500
Minimum No of Cheques 6
Minimum Withdrawal (₹) --
Minimum Balance (₹) --
Exit Load 0

Basic Details

Fund House: UTI Mutual Fund
Launch Date: 21-Jan-2002
Return Since Launch: 8.75%
Benchmark: CRISIL Dynamic Gilt TRI
Riskometer: Moderate
Type: Open-ended
Assets: ₹ 802 Cr (As on 31-Dec-2020)
Expense: 0.93% (As on 31-Dec-2020)
Risk Grade: Average
Return Grade: Average

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
Dividend Quarterly30-Sep-20090.0876

 31-Dec-20080.3504
 30-Sep-20080.1752
 30-Mar-20080.3896
 28-Sep-20070.1971
 30-Mar-20070.1316
 29-Sep-20060.2193
 27-Mar-20060.2193
 26-Sep-20050.1316
 28-Mar-20050.0663
 15-Sep-20040.0440
 15-Jun-20040.1500
 15-Mar-20040.2000
 15-Dec-20030.2000
 15-Sep-20030.4000
 16-Jun-20030.2500
 05-May-20030.7000
 16-Dec-20020.4000
 16-Sep-20020.5000

Contact Information

AMC: UTI Asset Management Company Ltd

Address: UTI Tower, 'GN' Block, Bandra-Kurla Complex, Bandra (East), Mumbai - 400051

Phone: 022- 66786666 / 66786354 / 1800-22-1230

Fax: 022-26523031

Email: [email protected]

Website: http://www.utimf.com

Registrar & Transfer Agent: KFin Technologies Pvt Ltd.

Address: 303, Vamsee Estates, Opp. Big Bazaar, Ameerpet, Hyderabad - 500016

Phone: 040-44857874

Email: [email protected]

Website: www.karvymfs.com

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time12:30 PM - 01:00 PM

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