Sharpe ratio
0.38Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+3.82%1Y Absolute Return
-0.22%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 - GILT FUND - Direct Plan - Growth OptionFund 5Y annualised return | ₹8,38,801 | ₹7,32,612 | ₹1,06,189 | +5.63% |
| 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 code120792
ISININF789F01TL5
BenchmarkCRISIL Dynamic Gilt Index
CategoryDebt Scheme - Gilt Fund
Expense ratio0.69%
Exit loadNil
Minimum SIP₹500 SIP
Return comparison
16th / 139 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +15.31% | — | — |
| 3M | -4.15% | — | — |
| 6M | +2.49% | — | — |
| 1Y | +3.82% | — | +1.30% |
| 3Y | +6.50% | — | +3.90% |
| 5Y | +5.63% | — | +3.47% |
| 10Y | +6.76% | — | — |
| Since Launch | +7.84% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
0.60Return earned while limiting downside risk.
Moderate
Moderate downside risk-adjusted performance.
Standard deviation
2.73%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
0.97How 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%
Debt85.09%
Cash14.91%
Market cap allocation
Market-cap classifications were not present in the latest portfolio disclosure.
Sector allocation
Equity exposure by sector
Top holdings
10 of 11 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| GOVERNMENT OF INDIA 37177 364 DAYS TBILL 04MR27 FV RS 100 | Financial | Treasury Bills | 37.9436% |
| Net Current Assets | Unspecified | Net Current Assets | 14.9087% |
| GOVERNMENT OF INDIA 35840 GOI 15AP65 6.9 FV RS 100 | Entities | GOI Securities | 13.1747% |
| GOI Sec 6.79 15/05/2027 | Entities | GOI Securities | 11.9119% |
| GOVERNMENT OF INDIA 36574 GOI 06OT35 6.48 FV RS 100 | Entities | GOI Securities | 5.7925% |
| STATE DEVELOPMENT LOAN 37290 RAJ 25MR36 7.65 FV RS 100 | Unspecified | State Development Loan | 5.3568% |
| STATE DEVELOPMENT LOAN 37361 CHT 15AP31 7.37 FV RS 100 | Unspecified | State Development Loan | 3.5823% |
| Tamilnadu State 7.18 26/07/2027 | Unspecified | State Development Loan | 3.5743% |
| STATE DEVELOPMENT LOAN 36569 UKD 01OT32 7.3 FV RS 100 | Unspecified | State Development Loan | 2.0283% |
| STATE DEVELOPMENT LOAN 20070 AP 10JN28 7.77 FV RS 100 | Financial | State Development Loan | 1.2002% |
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
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Summary
A moderate-risk debt scheme - gilt fund. Ranks 16 of 139 in its category over 1 year. Top 10 holdings make up 99% — a handful of stocks can swing returns sharply.
Strengths
- Ranks 16 of 139 in its category over 1 year.
Weaknesses
- Top 10 holdings make up 99% — 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 moderate risk level.
Risk drivers
- Top 10 holdings = 99% of the portfolio.