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2 star

UTI Treasury Advantage Fund - Regular Plan


Debt: Low Duration

1 Lakh

Investment Grown to
₹ 1.09 Lakh

₹ 10000

Monthly SIP Grown to
₹ 1.25 Lakh

Suitability:

Low Duration debt funds invest in bonds maturing in 6 months to 1 year time. They aim to earn slightly better returns than what you can get from a bank account or a short duration fixed deposit. The risk of incurring a loss in these funds is negligible but they do not guarantee returns or safety of capital.

Retail investors can avoid these funds altogether. Here's why. Debt funds are very finely classified depending upon the maturity of the bonds they invest in. For instance, there's a different category of funds that invests in bonds of up to 3 months maturity, from the one that invests in bonds maturing in 3-6 months, and so on. We believe that such a nuanced classification adds little value to retail investors. They can avoid this complexity and simply invest the money they don't need for up to the next one year in a Liquid fund.

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 paid by the mutual fund scheme are taxed at the rate of 25% (effectively 29.12%, including surcharge and cess). This is known as Dividend Distribution Tax (DDT).Though the investor does not pay this tax directly, it is deducted from the dividend income before passing on to the investor.

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(₹)
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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 5.05 -0.01 0.21 1.23 3.31 4.77 8.79 3.54 5.48 6.58 7.30
CCIL T Bill Liquidity Weight 2.06 0.00 0.04 0.22 0.84 1.94 3.85 4.13 4.32 4.69 4.79
Debt: Low Duration 3.31 0.00 0.15 2.23 2.89 3.04 6.07 4.96 6.04 6.73 7.14
Rank within category 5 22 9 14 9 5 7 20 18 16 11
Number of funds in category 25 25 25 25 25 25 25 25 24 22 16

As on 14-Jul-2020

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
UTI Treasury Advantage Fund - Regular Plan  | Invest Online
2 star
Mar-03 8.79 3.54 5.48 0.38 1,865
ICICI Prudential Savings Fund  | Invest Now
4 star
Sep-02 9.15 8.05 8.27 0.50 18,689
SBI Magnum Low Duration Fund  | Invest Online
5 star
Jul-07 8.32 7.73 7.82 1.04 8,548
Kotak Low Duration Fund - Standard Plan  | Invest Online
4 star
Mar-08 9.34 7.92 8.22 1.07 5,969
Axis Treasury Advantage Fund  | Invest Online
5 star
Oct-09 8.81 7.94 7.93 0.61 4,955

Best & Worst Performance

Best (Period) Worst (Period)
Week 1.77 (28-Mar-2003 - 04-Apr-2003) -12.10 (03-Jun-2019 - 10-Jun-2019)
Month 2.75 (24-Mar-2003 - 23-Apr-2003) -11.79 (10-May-2019 - 10-Jun-2019)
Quarter 5.16 (17-Jul-2003 - 16-Oct-2003) -10.73 (11-Mar-2019 - 10-Jun-2019)
Year 10.93 (28-Mar-2003 - 29-Mar-2004) -5.65 (25-Mar-2019 - 24-Mar-2020)

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 3.63 6.53 -0.26 -0.09 0.73 -0.78
CCIL T Bill Liquidity Weight 4.07 0.28 -4.34 -7.86 -- --
Debt: Low Duration 4.56 3.72 0.95 1.91 0.20 -0.50
Rank within category 19 19 18 18 13 20
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 30-Jun-2020

Portfolio Aggregates

Fund 1Y High 1Y Low Category
Number of Securities 36 47 35 48
Modified Duration (yrs) 0.89 0.96 0.74 0.79
Average Maturity (yrs) 0.98 1.06 0.80 0.91
Yield to Maturity (%) 4.65 7.13 4.65 5.93

Value Research Fund Style

Credit Rating vis-à-vis Category

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Top Holdings

Company Instrument Credit Rating 1Y Range % Assets
equal HDFC Bank 17/07/2020 Certificate of Deposit A1+ 3.79 - 6.95 6.69
equal 7.17% Nat. Highways Authority 23/12/2021 Non Convertible Debenture AAA 0.00 - 6.38 6.13
equal Reliance Retail Ltd. 28/12/2020 Securitised Debt AAA 4.11 - 6.19 5.97
up 10.25% Sikka Ports and Terminals 22/08/2021 Debenture AAA 0.00 - 5.33 5.33
new Reserve Bank of India 91-D 03/09/2020 Treasury Bills SOV 0.00 - 5.33 5.33
down 6.75% Power Finance Corp. 22/05/2023 Debenture AAA 0.00 - 7.84 3.85
new 6.56% M&M Financial Services 29/09/2022 Debenture AAA 0.00 - 2.95 2.95
equal 7.68% GOI 15/12/2023 GOI Securities SOV 0.00 - 3.03 2.93
equal 7.16% GOI 20/05/2023 Central Government Loan SOV 0.00 - 2.98 2.88
equal 7.25% Larsen & Toubro 24/04/2023 Non Convertible Debenture AAA 0.00 - 5.58 2.80
equal 8.70% Reliance Industries 15/06/2021 Debenture AAA 0.86 - 2.96 2.78
equal 6.95% Reliance Industries 15/03/2023 Non Convertible Debenture AAA 0.00 - 2.83 2.77
new 6.22% HDFC 2021 Debenture AAA 0.00 - 2.72 2.72
equal 9.30% John Deere Financial India 25/09/2020 Non Convertible Debenture AAA 2.03 - 2.82 2.71
new 5.20% Citicorp Finance 30/12/2021 Non Convertible Debenture AAA 0.00 - 2.68 2.68
new NTPC 91-D 27/08/2020 Commercial Paper A1+ 0.00 - 2.67 2.67
equal Reserve Bank of India 84-D 20/08/2020 Treasury Bills SOV 0.00 - 2.77 2.67
equal Punjab National Bank 20/08/2020 Certificate of Deposit A1+ 0.00 - 2.77 2.67
equal ICICI Bank 25/01/2021 Certificate of Deposit A1+ 0.00 - 2.72 2.63
new Can Fin Homes 365-D 23/06/2021 Commercial Paper A1+ 0.00 - 2.56 2.56
equal ICICI Bank 14/09/2020 Certificate of Deposit A1+ 0.00 - 2.63 1.76
equal First Business Receivable Trust Securitised Debt AAA 0.48 - 0.58 1.65
equal 6.99% HUDCO 2022 Debenture AAA 0.00 - 2.82 1.40
new 7.24% REC 31/12/2022 Non Convertible Debenture AAA 0.00 - 1.39 1.39
equal Axis Bank 2020 Certificate of Deposit A1+ 0.00 - 1.39 1.34

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 30-Jun-2020

Fund Manager

— Sudhir Agrawal since 09-Jul-2012

Education: Mr.Sudhir Agrawal is a M.Com, PGDBA (Finance) and a CFA.

Experience: Prior to joining UTI he has worked with TATA Asset Management Ltd., Tramp Value Pvt. Ltd. and CARE Ratings.

Interviews:

Funds Managed:


-0.01%

Change from previous, NAV as on 14-Jul-2020

Growth: ₹ 2,540.7247

Flexi Dividend: ₹ 1,041.7189

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Dividend Weekly: ₹ 981.7168

Dividend Quarterly: ₹ 1,137.8328

Dividend Monthly: ₹ 998.8575

Dividend Half Yearly: ₹ 1,051.9131

Dividend Fortnightly: ₹ 1,295.9079

Dividend Daily: ₹ 979.2506

Bonus: ₹ 2,123.5080


Investment Strategy

The scheme seeks to generate reasonable income for its investors consistent with high liquidity by investing in a portfolio of debt & money market instruments.

Investment Details

Minimum Investment (₹) 10,000
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-Mar-2003
Return Since Launch: 7.30%
Benchmark: CRISIL Low Duration Debt
Riskometer: Moderately Low
Type: Open-ended
Assets: ₹ 1,865 Cr (As on 30-Jun-2020)
Expense: 0.38% (As on 30-Jun-2020)
Risk Grade: Above Average
Return Grade: Below Average

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
Dividend Quarterly24-Jun-202010.0000

 25-Mar-201914.4064
 26-Dec-20187.2032
 25-Sep-20187.2032
 26-Jun-20187.2032
 26-Mar-201810.8340
 26-Dec-201710.8340
 25-Sep-201710.8340
 28-Jun-201710.8340
 22-Mar-201718.0566
 26-Dec-201610.8340
 26-Sep-201610.8340
 27-Jun-201610.8340
 28-Mar-201621.6679
 28-Dec-201510.8340
 28-Sep-201510.8340
 25-Jun-201510.8340
 26-Mar-201514.5173
 29-Dec-201414.5173
 25-Sep-201419.4818
 26-Jun-201411.6891
 26-Mar-20147.7927
 30-Dec-201311.6891
 26-Sep-20137.7927
 30-May-20138.7594
Dividend Daily03-Jun-20190.5957

 29-May-20190.2249
 28-May-20190.0350
 27-May-20191.0091
 24-May-20190.4025
 23-May-20190.2144
 10-May-20190.1903
 09-May-20190.0709
 02-May-20190.1937
 30-Apr-20190.6088
 26-Apr-20190.1458
 25-Apr-20190.0014
 23-Apr-20190.0640
 22-Apr-20190.4683
 16-Apr-20190.1278
 15-Apr-20190.2628
 12-Apr-20190.1931
 11-Apr-20190.0237
 10-Apr-20190.1222
 09-Apr-20190.0153
 08-Apr-20190.2183
 02-Apr-20191.0488
 29-Mar-20191.1635
 28-Mar-20190.3635
 27-Mar-20190.2997
Dividend Monthly03-Jun-20192.8008

 02-May-20193.4043
 02-Apr-20196.9907
 01-Mar-20194.1668
 01-Feb-20194.2107
 01-Jan-20195.4804
 03-Dec-20186.2152
 01-Nov-20184.2460
 01-Oct-20182.3153
 03-Sep-20184.8234
 01-Aug-20185.2430
 02-Jul-20185.4844
 01-Jun-20182.4154
 02-May-20183.1223
 03-Apr-20185.6518
 01-Mar-20183.4709
 01-Feb-20183.2295
 01-Jan-20183.9904
 04-Dec-20174.8951
 01-Nov-20174.0179
 03-Oct-20174.3718
 01-Sep-20174.1485
 01-Aug-20174.0976
 03-Jul-20174.6466
 01-Jun-20174.5752
Dividend Weekly28-May-20192.1212

 30-Apr-20190.7571
 23-Apr-20190.5330
 16-Apr-20190.7309
 09-Apr-20190.2250
 02-Apr-20192.8840
 26-Mar-20191.2869
 19-Mar-20191.4721
 12-Mar-20191.4272
 05-Mar-20191.0849
 26-Feb-20190.7327
 20-Feb-20191.1047
 12-Feb-20191.3153
 05-Feb-20190.2005
 29-Jan-20191.0771
 22-Jan-20190.8462
 15-Jan-20191.2425
 08-Jan-20191.2431
 01-Jan-20190.7526
 26-Dec-20181.6056
 18-Dec-20181.6469
 11-Dec-20181.2001
 04-Dec-20181.5245
 27-Nov-20181.1410
 20-Nov-20181.5073
Dividend Fortnightly27-May-20192.1489

 10-May-20191.5998
 25-Apr-20191.5095
 10-Apr-20194.4079
 25-Mar-20193.9121
 11-Mar-20192.9964
 25-Feb-20192.3501
 11-Feb-20192.8067
 25-Jan-20192.9286
 10-Jan-20193.0900
 26-Dec-20184.3330
 10-Dec-20183.7743
 26-Nov-20183.5804
 12-Nov-20183.4694
 25-Oct-20182.9194
Dividend Half Yearly25-Mar-201921.6097

 25-Sep-201814.4064
 26-Mar-201821.6679
 25-Sep-201721.6679
 22-Mar-201728.8906
 26-Sep-201621.6679
Flexi Dividend25-Mar-201936.0161

 26-Mar-201843.3359
 22-Mar-201710.8340
 28-Mar-201643.3359
 26-Mar-201512.7026
Dividend Quarterly15-Dec-20030.2000

 15-Sep-20030.2500
 16-Jun-20030.1500
Dividend Yearly27-Jun-20035.2500

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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