Sharpe ratio
0.36Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+4.19%1Y Absolute Return
-0.15%1D
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Past performance is not an indicator of future returns.
Returns calculator comparison
Compare an illustrative investment outcome across return assumptions.
| Asset | Projected corpus | Total invested | Gain | Annual return |
|---|---|---|---|---|
| UTI Dynamic Bond Fund - Direct Plan - Growth OptionFund 5Y annualised return | ₹8,80,709 | ₹7,32,612 | ₹1,48,097 | +7.60% |
| EPFIllustrative annual assumption | ₹8,95,132 | ₹7,32,612 | ₹1,62,520 | +8.25% |
| Residential propertyIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| PPFIllustrative annual assumption | ₹8,69,819 | ₹7,32,612 | ₹1,37,207 | +7.10% |
| Bank fixed depositIllustrative annual assumption | ₹8,56,981 | ₹7,32,612 | ₹1,24,369 | +6.50% |
| GoldIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| Savings accountIllustrative annual assumption | ₹7,86,827 | ₹7,32,612 | ₹54,215 | +3.00% |
Illustration only. Fund results use the available NAV-derived annualised return and can be negative. Reference rows are assumptions, not current quoted rates or guaranteed returns; property excludes transaction costs, taxes, and liquidity constraints. Mutual fund investments are subject to market risk.
Wealth multiple
₹1 became₹1.08
₹1 Lakh since launch₹1.08 Lakh
Fund age13.9 yrs
Fund information
Scheme code120762
ISININF789F01XD4
BenchmarkCRISIL Dynamic Bond A-III Index
CategoryDebt Scheme - Dynamic Bond
Expense ratio0.88%
Exit loadNil
Minimum SIP₹500 SIP
Return comparison
22nd / 160 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +10.23% | — | — |
| 3M | -0.58% | — | — |
| 6M | +4.58% | — | — |
| 1Y | +4.19% | — | +1.66% |
| 3Y | +7.23% | — | +3.62% |
| 5Y | +7.60% | — | +3.39% |
| 10Y | +6.62% | — | — |
| Since Launch | +7.84% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
0.64Return earned while limiting downside risk.
Moderate
Moderate downside risk-adjusted performance.
Standard deviation
1.69%How much the fund’s returns fluctuate over time.
Low volatility
Returns have been relatively stable.
Beta
—How closely the fund moves with the market.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Alpha
—Extra return generated above the benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Treynor ratio
—Return earned for each unit of market risk taken.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Calmar ratio
0.96How well the fund rewarded investors relative to its biggest decline.
Good
Good return relative to the drawdowns experienced.
Information ratio
—How consistently the fund outperformed its benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Portfolio allocation
Latest disclosed portfolio mix
Asset allocation
Portfolio100%
Debt88.19%
Cash11.81%
Market cap allocation
Market-cap classifications were not present in the latest portfolio disclosure.
Sector allocation
Equity exposure by sector
Top holdings
10 of 23 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| Net Current Assets | Unspecified | Net Current Assets | 11.8075% |
| JAMNAGAR UTILITIES & POWER PRIVATE LIMITED SR PPD7 7.90 LOA 10AG28 FVRS1LAC | Industrials | Debenture | 6.0022% |
| BHARTI TELECOM LIMITED SR XIX 8.65 NCD 05NV27 FVRS1LAC | Technology | Debenture | 5.9881% |
| MAHINDRA RURAL HOUSING FINANCE LIMITED SR MRHFLDD2023 8.45 NCD 22JN27 FVRS1LAC | Financial | Debenture | 5.9681% |
| REC LIMITED SR 231A 7.64 BD 30AP27 FVRS1LAC | Financial | Non Convertible Debenture | 5.9566% |
| INDIA GRID TRUST SR M 6.72 LOA 14SP26 FVRS10LAC | Industrials | Non Convertible Debenture | 5.9378% |
| INDIAN BANK CD 15DEC26 | Financial | Certificate of Deposit | 5.7625% |
| HDFC BANK LIMITED CD 14DEC26 | Financial | Certificate of Deposit | 5.7622% |
| KOTAK MAHINDRA BANK LIMITED CD 21DEC26 | Financial | Certificate of Deposit | 5.7573% |
| NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT CD 14JAN27 | Financial | Certificate of Deposit | 5.7261% |
Fund management
PA
Pankaj Pathak
Since 2025 · Prior to joining UTI AMC, he has worked with Quantum Asset Management Company and Bank of Maharashtra in Treasury Department.
Mr. Pankaj is a CFA (CFA Institute, USA) and PG Diploma in Banking & Finance (NIBM, Pune).
Compare similar funds
No comparable category funds are available yet.
Summary
A low to moderate-risk debt scheme - dynamic bond fund. Ranks 22 of 160 in its category over 1 year. Top 10 holdings make up 65% — a handful of stocks can swing returns sharply.
Strengths
- Ranks 22 of 160 in its category over 1 year.
Weaknesses
- Top 10 holdings make up 65% — a handful of stocks can swing returns sharply.
- Has fallen sharply before — down -8.1% at its worst.
Ideal investor
- Needs a 1–3 years depending on duration horizon to ride out its low to moderate risk level.
Risk drivers
- Top 10 holdings = 65% of the portfolio.