UTI Gilt Fund - Regular Plan

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Debt: Gilt

Analysts' Choice?

1 Lakh

Investment Grown to

₹ 1.03 Lakh

₹ 10000

Monthly SIP Grown to

₹ 1.22 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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Amount (₹)

Start date

End date

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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	2.52	-0.05	0.05	0.38	0.74	2.20	2.90	8.77	6.61	8.39	9.15
CCIL All Sovereign Bond - TRI*	2.72	0.02	-0.01	0.95	2.10	2.81	3.32	9.95	6.90	8.86	9.40
Debt: Gilt*	2.30	0.02	0.14	0.58	0.77	2.12	2.83	8.52	5.90	7.76	8.51

As on 01-Dec-2021

* As on 02-Dec-2021

Peer Comparison

Fund name	Launch Date	1-Year Return	3-Year Return	5-Year Return	Expense Ratio	Assets (Cr)
UTI Gilt Fund - Regular Plan \| Invest Online	Jan-02	2.90	8.77	6.61	0.92%	629
SBI Magnum Gilt Fund \| Invest Online	Dec-00	3.21	9.68	6.87	0.95%	3,788
ICICI Prudential Gilt Fund \| Invest Now	Aug-99	5.38	9.87	6.66	1.17%	3,273
IDFC Government Securities Fund - Investment Plan - Regular Plan	Dec-08	2.86	10.30	7.31	1.24%	2,041
Aditya Birla Sun Life Government Securities Fund \| Invest Online	Oct-99	4.14	9.49	6.81	0.94%	978

Best & Worst Performance

	Best Performance		Worst Performance
	Return (%)	Period	Return (%)	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	8.54	3.83	1.24	2.32	0.74	0.39
CCIL All Sovereign Bond - TRI	9.65	4.57	1.28	1.80	--	--
Debt: Gilt	8.36	3.60	1.27	2.07	0.72	0.33

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

As on 30-Nov-2021

Portfolio Aggregates

	Fund	1Y High	1Y Low	Category
Number of Securities	11	14	8	14
Modified Duration (yrs)	2.36	6.60	2.02	--
Average Maturity (yrs)	6.45	10.62	4.03	--
Yield to Maturity (%)	4.66	5.87	4.43	--
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
GOI 22/09/2033	GOI Securities Floating Rate Bond	SOV	0.00 - 28.22	25.80
Reserve Bank of India 182-D 25/11/2021	Treasury Bills	SOV	0.00 - 15.86	15.86
6.10% GOI 2031	GOI Securities	SOV	0.00 - 14.01	14.01
6.79% GOI 26/12/2029	GOI Securities	SOV	0.00 - 10.00	9.76
Reserve Bank of India 364-D 11/11/2021	Treasury Bills	SOV	0.00 - 8.73	8.73
8.13% GOI 22/06/2045	GOI Securities	SOV	2.09 - 2.77	2.68
6.67% GOI 15/12/2035	GOI Securities	SOV	0.00 - 4.03	2.35
7.08% Uttar Pradesh State 17/02/2031	State Development Loan	SOV	0.00 - 0.79	0.77
Clearing Corporation 91-D	Short Term Deposit	--	0.00 - 0.60	0.60
6.87% Andhra Pradesh State 21/10/2035	State Development Loan	SOV	0.38 - 0.50	0.49
7.24% GOI 29/01/2030	GOI Securities	SOV	0.22 - 0.30	0.29

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

As on 31-Oct-2021

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 UTI AMC since 1994 beginning with Investment Research and then moving into the area of Fund Management. Prior to this, he had an experience of 2 years of working with Aaina Exports Ltd and Stenay Ltd. He serves on the Executive Investment Committee (EIC), Valuation Committee and the Management Committee of UTI AMC Ltd. He is also a member of the Valuation Committee of the Association of Mutual Funds in India (AMFI).

Interviews:

30-Apr-2013: 'High prices are to stay'

Funds Managed:

Invest Online

0.00%

Change from previous, NAV as on 02-Dec-2021

Growth: ₹ 50.6212

IDCW Quarterly: ₹ 31.4003

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

Minimum Investment (₹)	500
Minimum Addl Investment (₹)	500
Minimum SIP Investment (₹)	500
Minimum No of Cheques	6
Minimum Withdrawal (₹)	500
Minimum Balance (₹)	--

Lock-in Period	Not Applicable
Exit Load	0

Fund House:	UTI Mutual Fund
Launch Date:	21-Jan-2002
Return Since Launch:	8.50%
Benchmark:	CRISIL Dynamic Gilt Index
Riskometer:	Low to Moderate
Type:	Open-ended
Assets:	₹ 629 Cr (As on 31-Oct-2021)
Expense:	0.92% (As on 31-Oct-2021)
Risk Grade:	Average
Return Grade:	Average

Plan

Record Date

Dividend (₹ / Unit)

IDCW Quarterly

30-Sep-2009

0.0876

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	31-Dec-2008	0.3504
	30-Sep-2008	0.1752
	30-Mar-2008	0.3896
	28-Sep-2007	0.1971
	30-Mar-2007	0.1316
	29-Sep-2006	0.2193
	27-Mar-2006	0.2193
	26-Sep-2005	0.1316
	28-Mar-2005	0.0663
	15-Sep-2004	0.0440
	15-Jun-2004	0.1500
	15-Mar-2004	0.2000
	15-Dec-2003	0.2000
	15-Sep-2003	0.4000
	16-Jun-2003	0.2500
	05-May-2003	0.7000
	16-Dec-2002	0.4000
	16-Sep-2002	0.5000

Fund News - 09-Mar-2021

Change in minimum investment amounts of UTI Mutual Fund Schemes
Fund News - 09-Mar-2021

UTI Mutual Fund changes Minimum Redemption Amount
Fund News - 26-Apr-2018

Benchmark change in UTI Gilt Advantage Fund
Fund News - 28-Mar-2018

Name change in Schemes of UTI Mutual Fund
Fund News - 21-Sep-2016

UTI Treasury Advantage announces dividend at Rs. 21.67 per unit

UTI Gilt Fund - Regular Plan

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Trailing Returns (%)

Peer Comparison

Best & Worst Performance

Risk Measures (%)

Portfolio Aggregates

Value Research Fund Style

Credit Rating vis-à-vis Category

Top Holdings

Fund Manager

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