UTI Medium to Long Duration Fund - Regular Plan

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Value Research Rating

5 star

Analyst’s Choice

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Riskometer

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Moderate

₹67.8816 0.03%

As on 19-Jul-2024

Returns

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Calculate SIP Returns of UTI Medium to Long Duration Fund - Regular Plan

Upfront Investment

Monthly SIP Amount

Investment Duration

years

Risk info

This fund has Moderate risk.

Low
Low to Moderate
Moderate
Moderately High
High
Very High

As per SEBI's Riskometer.

Portfolio of UTI Medium to Long Duration Fund - Regular Plan

Asset Allocation

Split between different types of investments

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Credit Rating Weightage

Split between categories of Equity investments

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Peer Comparison

Other details of UTI Medium to Long Duration Fund - Regular Plan

Assets info

₹301 Cr

Exit Load (Days) info

--

Min. Investment (₹)

500

Min. Withdrawal (₹)

500

Min. SIP Investment (₹)

500

Min. No of Cheques

6

Investment Strategy

The scheme seeks to generate optimal returns with adequate liquidity by investing in debt and money market instruments such that the Macaulay duration of the portfolio is between 4 years and 7 years.

Suitability

"Medium to Long Duration debt funds invest mainly in bonds maturing in four to seven years. They aim to earn better returns than bank fixed deposits of a similar duration. The risk of incurring a loss in these funds over the said time frame is low, but they may experience some degree of volatility in response to changes in interest rates.

Retail investors can avoid these funds altogether. We believe that Short Duration funds are a better alternative for the fixed-income allocation in an investor’s portfolio.

We also believe that investors with an investment horizon of more than three years may consider investing some portion of their money in equity funds to earn higher returns. They witness more severe ups and downs than debt funds but the possibility of incurring a loss reduces with an increase in one’s investment horizon."

Capital Gains Taxation

  • If investment is made on or after 1 April 2023: Entire amount of gain is added to the investors' income and taxed according to the applicable slab rate.
  • If investment is made before 1 April 2023:
    • Sold within 3 years from the date of investment: Gains are added to the investors' income and taxed according to the applicable slab rate.
    • Sold after 3 years from the date of investment: Gains are taxed at the rate of 20% after providing the benefit of inflation indexation.
  • No tax is to be paid as long as you continue to hold the units.

Dividend Taxation

  • 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.

FAQ for UTI Medium to Long Duration Fund - Regular Plan

UTI Medium to Long Duration Fund - Regular Plan is mandated to invest in bonds such that the duration of the portfolio is between four to seven years.

Mutual funds can be bought directly from the website of the fund house. For instance, UTI Medium to Long Duration Fund - Regular Plan fund can be purchased from the website of UTI Mutual Fund. You can also buy mutual funds through platforms like MF Central, MF Utility, among others. However, if you are not comfortable buying mutual funds online, you can seek help of a mutual fund distributor. Most banks also act as mutual fund distributors. So you can connect with your bank for assistance.

The NAV of UTI Medium to Long Duration Fund - Regular Plan is ₹67.8816 as of 22-Jul-2024.

The AUM of UTI Medium to Long Duration Fund - Regular Plan Fund is ₹301 Cr as of 30-Jun-2024

The riskometer level of UTI Medium to Long Duration Fund - Regular Plan is Moderate. See More

Company Percentage of Portfolio

GOI Sec 7.18 24/07/2037

50.36

GOI Sec 7.10 08/04/2034

10.02

Power Finance Corporation Ltd SR BS227B Debenture 7.77 15/04/2028

8.34

LIC Housing Finance Ltd Fixed Deposits 7.67 15/04/2033

8.31

Jamnagar Utilities and Power Pvt. Ltd SR PPD7 Debenture 7.90 10/08/2028

6.65
See More

As of 30-Jun-2024, UTI Medium to Long Duration Fund - Regular Plan had invested 95.04% in Debt and 4.96% in Cash & Cash Eq. See More

UTI Medium to Long Duration Fund - Regular Plan is 26 years 2 months old. It has delivered 7.59% returns since inception. See More

1Y
3Y
5Y
7Y
10Y
Since Inception
6.44%
9.99%
5.98%
3.97%
6.07%
7.59%

No, There is no lock in period in UTI Medium to Long Duration Fund - Regular Plan.

The expense ratio of UTI Medium to Long Duration Fund - Regular Plan is 1.62.

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