Can I invest in SIP and Lumpsum in UTI-Gilt Fund (IDCW) Direct Growth?

Yes, you can invest both lumpsum and SIP in UTI-Gilt Fund (IDCW). Minimum lumpsum investment UTI-Gilt Fund (IDCW) is ₹20,000 and minimum SIP amount is ₹500 . Lumpsum option is ideal for investors with higher investible corpus and market experience. SIP option is recommended for retail investors who do not have the time or expertise to time the market.

What is the NAV of UTI-Gilt Fund (IDCW) Direct Growth?

The latest NAV (Net Asset Value) of UTI-Gilt Fund (IDCW) is UTI-Gilt Fund (IDCW) is ₹36.87 as on 2025-01-01.

Which are the biggest stock holdings of UTI-Gilt Fund (IDCW)?

The 5 biggest stock holdings of UTI-Gilt Fund (IDCW) are: Gsec2039 (19.34%), GSEC2064 (17.77%), Gsec2039 (15.28%), GSEC2054 (14.98%), GSEC2034 (10.38%)

What are the top sectors UTI-Gilt Fund (IDCW) invests in?

A majority of UTI-Gilt Fund (IDCW) 's AUM worth ₹677.39 (Cr) is invested in these 3 top sectors: There is no data for Top 3 sector holdings in the portfolio!

Mutual Funds
UTI-Gilt Fund (IDCW)

UTI-Gilt Fund (IDCW)

Gilt Fund

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NAV
36.87(-0.18%)
Fund Size (CR)
₹644.7
Expense Ratio
0.92
Scheme Type
Active Fund
Value Research

Min. investment
₹20,000
Minimum Additional Investment
₹500
Minimum SIP Investment
₹500
Minimum Withdrawal
₹500
Exit Load
1% of applicable Net Asset Value - If the amount sought to be redeemed or switch out is invested for a period of up to 3 months from the date of allotment Nil - If the amount, sought to be redeemed or switch out is invested for a period of more than 3 months from the date of allotment
0%
Return Since Launch
7.92%

Absolute Return: 0.32%

Annualized Return: 0%

Basic Details

Scheme Manager

Sudhir Agrawal

Bench Mark

CRISIL Dynamic Gilt Index

Type

OPEN

Lumpsum Returns

Period Invested For	₹10,000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	23 December 2024	10000.59	0.01%	-	0.24%	117/132
1 Month	29 November 2024	10028.23	0.28%	-	0.45%	59/132
3 Month	30 September 2024	10047.78	0.48%	-	0.58%	48/132
6 Month	28 June 2024	10393.53	3.94%	-	4.04%	53/130
1 Year	29 December 2023	10870.01	8.70%	8.70%	9.33%	91/130
3 Year	30 December 2021	11943.92	19.44%	6.10%	6.32%	76/120
5 Year	30 December 2019	13459.34	34.59%	6.12%	6.52%	84/119
Since Inception	21 January 2002	57478.10	474.78%	7.92%	7.60%	52/132

Note: Lumpsum Returns since Inception Date.

SIP Returns

Period Invested For	₹10,000 Invested on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	1 January 2024	1,30,000	209393.46	61.07%	61.07%
3 Year	3 January 2022	3,70,000	636377.07	71.99%	19.81%
5 Year	1 January 2020	6,10,000	1094641.60	79.45%	12.41%
10 Year	1 January 2015	12,10,000	2645634.87	118.65%	8.14%

Note: SIP Returns since Inception Date.

Tax Treatment

If sold after 1 year from purchase date, long term capital gain tax will be applicable. Current tax rate is 10%, if your total long term capital gain exceeds 1 lakh. Any cess/surcharge is not included.If sold before 1 year from purchase date, short term capital gain tax will be applicable. Current tax rate is 15%. Any cess/surcharge is not included in the 15%.

Mutual Funds Calculator

Investment type
Scheme based

SIP
Lumpsum

Monthly Investment (₹)

Expected Returns Rate (%)

Time Period (in Years)

Start your SIP now

Invested Amount
₹25,000
Estimated Returns
₹19,059

76%

Returns

Future value of your investment

₹44,059

Risk Ratios

0.58%

Standard Deviation

0.07%

Beta

-0.51%

Sharpe Ratio

0.50%

Treynor's Ratio

-1.36%

Jension's Alpha

Asset Allocation

Sector Allocation

There is no Sector Allocation data

Top 10 stock holding in portfolio

Stock Invested in	% of Total Holdings	Quantity	Value (Cr)	Asset Type	Segment
Gsec2039	19.34%	1300000000	131.01	Govt. Securities	Govt. Securities
GSEC2064	17.77%	1150000000	120.38	Govt. Securities	Govt. Securities
Gsec2039	15.28%	1000000000	103.50	Govt. Securities	Govt. Securities
GSEC2054	14.98%	1000000000	101.49	Govt. Securities	Govt. Securities
GSEC2034	10.38%	700000000	70.29	Govt. Securities	Govt. Securities
GSEC2053	6.92%	450000000	46.89	Govt. Securities	Govt. Securities
GSEC2073	4.71%	300000000	31.93	Govt. Securities	Govt. Securities
GSEC2034	3.77%	250000000	25.56	Govt. Securities	Govt. Securities
C C I	0.29%	-	1.94	Fixed Deposits	Fixed Deposits
Net CA & Others	6.56%	-	44.41	Net CA & Others	Debt Others

Peer Comparison

Scheme Name	Asset Size (Cr)	1M	3M	6M	1Y	3Y
Bandhan G Sec Fund - Invst Plan - Direct (IDCW-Q)	3684.50	0.18%	-0.15%	3.51%	11.04%	6.75%
Bandhan G Sec Fund - Invst Plan - Direct (IDCW-A)	3684.50	0.18%	-0.15%	3.51%	11.04%	6.77%
Bandhan G Sec Fund - Invst Plan - Direct (IDCW)	3684.50	0.18%	-0.15%	3.51%	11.04%	6.77%
Bandhan G Sec Fund - Invst Plan - Direct (Periodic)	3684.50	0.18%	-0.15%	3.51%	11.04%	6.77%
Bandhan G Sec Fund - Invst Plan - Direct (G)	3684.50	0.18%	-0.15%	3.51%	11.04%	6.77%

News

UTI Conservative Hybrid Fund announces Income Distribution cum capital withdrawal (IDCW)
UTI Mutual Fund has announced IDCW is 01 January 2025 as the record date for declaration of Income Distribution cum capital withdrawal (IDCW) under Regular Plan-Monthly IDCW Option and Direct Plan-Monthly IDCW Option of UTI Conservative Hybrid Fund. The quantum of IDCW will be Rs 0.0800 per unit or 0.80% on the face value of Rs 10 per unit.
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UTI MF announces change in benchmark index under its schemes

UTI Mutual Fund has announced change in the benchmark of UTI Annual Interval Fund ' I with effect from November 29, 2024

Changes in Benchmark Index:

Scheme Name	Existing Tier I Benchmark as per PRC Matrix	Revised Tier I Benchmark as per PRC Matrix
UTI Annual Interval Fund ' I	CRISIL Low Duration Debt Index	CRISIL Low Duration Debt A-I Index
UTI Annual Interval Fund - II	CRISIL Low Duration Debt Index	CRISIL Low Duration Debt A-I Index
UTI Fixed Term Income Fund Series XXXVI - I (1574 Days)	CRISIL Medium to Long Term Debt Index	CRISIL Short Duration Debt A-II Index

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UTI Conservative Hybrid Fund announces Income Distribution cum capital withdrawal (IDCW)
UTI Mutual Fund has announced IDCW is 02 December 2024 as the record date for declaration of Income Distribution cum capital withdrawal (IDCW) under Regular Plan-Monthly IDCW Option and Direct Plan-Monthly IDCW Option of UTI Conservative Hybrid Fund. The quantum of IDCW will be Rs 0.0800 per unit or 0.80% on the face value of Rs 10 per unit.
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Fund House Details & Investment Objective

Date of Incorporation

14 January 2002

Total AUM (Cr)

₹677.39

UTI-Gilt Fund (IDCW) is an Gilt Fund-oriented fund from the renowned AMC, UTI Mutual Fund. Launched in 14 January 2002, this fund is managed by Sudhir Agrawal. With assets under management (AUM) worth ₹677.39 (Cr), as of 1 January 2025, UTI-Gilt Fund (IDCW) is categorized as a Gilt Fund within its segment. The fund has generated a return of 7.92% since its launch.
The current NAV of UTI-Gilt Fund (IDCW) is ₹36.87, as on 1 January 2025. The fund's benchmark index is CRISIL Dynamic Gilt Index. You can invest in UTI-Gilt Fund (IDCW) via both lumpsum and SIP modes. The minimum SIP amount in the fund is ₹500 while the minimum lumpsum investment is ₹20,000.

Being an open-ended fund, you can exit the fund anytime subject to applicable exit loads:
Nil - W.e.f.: July 27, 2015. The fund has generated 6.10% and 6.12% CAGR in the last 3 and 5 years respectively.

The fund aims to provide long-term capital appreciation and growth, by investing in a mix of financial instruments 93.15% in Debt and 6.85% in cash and cash equivalents.

FAQs

How to Invest in UTI-Gilt Fund (IDCW) Direct Growth?

UTI-Gilt Fund (IDCW) is a popular fund in the Gilt Fund segment. The fund has generated a return of 7.92% since inception. Looking to invest in UTI-Gilt Fund (IDCW) How about earning 1% extra return? All this is possible with m.Stock! Investing in UTI-Gilt Fund (IDCW) is super easy and convenient with m.Stock. Here’s how you can begin:

Login to your m.Stock account. If you do not have an account, open m.Stock Demat account and enjoy 1% extra returns plus Zero Brokerage across products for life.
In the ‘Menu’ section, under ‘Products’, select ‘Mutual Funds’ .
In the search bar, enter the fund name, in this case, UTI-Gilt Fund (IDCW)
On the top right corner you’ll see two options – Lumpsum and SIP. You can choose either based on your risk appetite and available investible corpus.
If you choose to invest a Lumpsum: Enter amount, select payment mode (UPI or Netbanking), and click on ‘invest a lumpsum’. Make the payment and your lumpsum investment is complete.
If you choose the SIP route, then enter SIP amount, SIP date, and set up ‘Autopay’ facility.

So, why wait? Invest in UTI-Gilt Fund (IDCW) today and reap the benefits of this Gilt Fund fund!

How much returns has UTI-Gilt Fund (IDCW) Direct Growth generated?

In the short term, i.e., 1 year, UTI-Gilt Fund (IDCW) has generated annualised return of 8.70%. In the long-term, the fund has generated 6.10% and 6.12% in 3 and 5 years respectively. Since its inception, the fund has generated 7.92% returns.

What is the expense ratio of UTI-Gilt Fund (IDCW) Direct Growth?

The expense ratio of UTI-Gilt Fund (IDCW) Direct Growth is 0.92%. Expense ratio is the fees payable by investors of the scheme towards management, research and overall upkeep of the fund. The higher the expense ratio, the lower is the in-hand return for the investor. Expense ratio for direct plans is lower than regular plans, making them ideal for investors.

What is the AUM of UTI-Gilt Fund (IDCW) Fund Direct Growth?

The Assets Under Management (AUM) of UTI-Gilt Fund (IDCW) is ₹677.39 (Cr) as of 2025-01-01 AUM shows the fund’s popularity and is often indicative of fund strength.

How to redeem or withdraw money from UTI-Gilt Fund (IDCW) Direct Growth?

Redeeming or selling units of UTI-Gilt Fund (IDCW) is relatively simple. But before you redeem, ensure that the fund has completed the minimum lock-in period else you will be charged an exit load.

To redeem from UTI-Gilt Fund (IDCW):

Login to your m.Stock account
In portfolio, your mutual fund investments will be visible under ‘MF’
Select the fund you wish to redeem from (in this case UTI-Gilt Fund (IDCW)).
Click on ‘Redeem’ button
You have 2 options – redeem by units and redeem by value (you can only redeem free units)
Select units to be redeemed and click on submit.
Redemption value will be credited to your account in 2-3 working days (as per timelines set by SEBI).