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Value Research Rating
Our Opinion
Riskometer
Low to Moderate
₹1,561.0269 0.10%
As on 21-May-2025
As per SEBI's Riskometer.
Split between different types of investments
Split between categories of Equity investments
|
Fund name
|
Rating |
Our Opinion |
Risk
|
Return (%) |
|
Expense Ratio (%)
|
|---|---|---|---|---|---|---|
|
UTI Floater Fund - Direct Plan
|
|
|
Low to Moderate
|
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0.45 |
|
|
|
Low to Moderate
|
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0.26 |
||
 |
|
Low to Moderate
|
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0.22 |
||
 |
|
Moderate
|
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0.35 |
||
 |
|
Moderate
|
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0.55 |
₹1,395 Cr
--
500
500
500
6
Investment Strategy
The scheme seeks to generate reasonable returns and reduce interest rate risk by investing in a portfolio comprising predominantly of floating rate instruments and fixed rate instruments swapped for floating rate returns. The Scheme may also invest a portion of its net assets in fixed rate debt securities and money market instruments.
Suitability
"This is a fund that invests mainly in bonds whose rate of interest keeps changing with the prevailing interest rates in the economy. Given their investment mandate, such funds are usually less volatile in response to changing interest rates.
They can be a viable option for the fixed-income allocation in your portfolio. However, we believe that 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.
If you do decide to invest in them, remember that they are meant to deliver steady, but low to moderate returns and are not suitable to build wealth in the long run."
Capital Gains Taxation
Disclaimer: The tax information has been prepared on a best-effort basis using information available in the public domain and other sources that Value Research considers reliable. This is not meant as tax advice, and we advise you to consult your tax advisor before making any decision. Value Research takes no responsibility and assumes no liability for any loss or damage arising from any investment or redemption decision based on this information.
Dividend Taxation
1 min read•By News Desk
Subscribers of Value Research Fund Advisor can conveniently invest in the low-cost direct plan of UTI Floater Fund - Direct Plan through the Value Research Fund Advisor website.
Alternatively, mutual funds can also be purchased directly from the respective fund house’s website. For example, UTI Floater Fund - Direct Plan can be bought from the UTI Mutual Fund website. In such a case, if you are investing in multiple funds from different fund houses, you will need to transact separately on each fund house’s website.
The third option is to invest offline, by seeking assistance from a mutual fund distributor. Most banks also act as mutual fund distributors, and you can approach your bank for help in completing your investment.
The latest declared NAV of UTI Floater Fund - Direct Plan, is ₹1,561.0269 as of 22-May-2025.
| Company | Percentage of Portfolio |
|---|---|
|
Power Finance Corporation Ltd SR-164 Bonds 7.75 22/03/2027 |
9.13
|
|
Kotak Mahindra Bank Ltd CD 28/01/2026 |
8.54
|
|
Export-Import Bank Of India CD 20/03/2026 |
6.77
|
|
Indian Railway Finance Corporation Ltd SR 172A Debenture 7.41 15/10/2026 |
5.43
|
|
National Bank For Agriculture & Rural Development SR 24A FRB 7.50 |
5.42
|
Over the past five years, UTI Floater Fund - Direct Plan has delivered an annualised return of 6.33% as of 22-May-2025.
The minimum investment required to start investing in UTI Floater Fund - Direct Plan is ₹500 for the lump sum option and ₹500 for the SIP (Systematic Investment Plan) option.
