Sharpe ratio
0.03Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+3.74%1Y Absolute Return
-0.11%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 Medium Duration Fund - Direct Plan - Growth OptionFund 5Y annualised return | ₹8,43,558 | ₹7,32,612 | ₹1,10,946 | +5.86% |
| 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₹1.06
₹1 Lakh since launch₹1.06 Lakh
Fund age11.6 yrs
Fund information
Scheme code134503
ISININF789FB1KE6
BenchmarkNIFTY Medium Duration Debt Index A-III
CategoryDebt Scheme - Medium Duration Fund
Expense ratio0.84%
Exit loadFor units in excess of 10% of the investment,1% will be charged for redemption within 365 days
Minimum SIP₹500 SIP
Return comparison
30th / 83 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +9.67% | — | — |
| 3M | -1.37% | — | — |
| 6M | +4.82% | — | — |
| 1Y | +3.74% | — | +1.91% |
| 3Y | +6.71% | — | +4.03% |
| 5Y | +5.86% | — | +3.85% |
| 10Y | +5.82% | — | — |
| Since Launch | +6.49% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
0.04Return earned while limiting downside risk.
Moderate
Moderate downside risk-adjusted performance.
Standard deviation
1.52%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
1.22How well the fund rewarded investors relative to its biggest decline.
Excellent
Excellent balance between returns and drawdowns.
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%
Debt77.60%
Cash22.40%
Market cap allocation
Market-cap classifications were not present in the latest portfolio disclosure.
Sector allocation
Equity exposure by sector
Top holdings
10 of 16 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| Net Current Assets | Unspecified | Net Current Assets | 22.3962% |
| GOI Sec 7.18 14/08/2033 | Entities | GOI Securities | 17.5776% |
| GOVERNMENT OF INDIA 31909 GOI 22AG32 7.26 FV RS 100 | Entities | GOI Securities | 10.8485% |
| STATE DEVELOPMENT LOAN 32803 UP 29MR33 7.79 FV RS 100 | Unspecified | State Development Loan | 8.1876% |
| BAJAJ FINANCE LIMITED NCD 7.38 28JU30 FVRS1LAC | Financial | Debenture | 7.7806% |
| GOVERNMENT OF INDIA 34208 GOI 08AP34 7.1 FV RS 100 | Entities | GOI Securities | 6.7184% |
| ADANI POWER LIMITED SR II 8.20 NCD 25JN29 FVRS1LAC | Energy & Utilities | Debenture | 5.2775% |
| SHIVSHAKTI SECURITISATION TRUST SS TRUST PTC 15SEPT25 | Unspecified | Securitised Debt | 5.1541% |
| 360 ONE PRIME LIMITED SR VI TR I 9.61 NCD 18JN27 FVRS1000 | Financial | Debenture | 3.9603% |
| ERIS LIFESCIENCES LIMITED STRPP II 8.73 NCD 07JU27 FVRS1LAC | Healthcare | Debenture | 2.6386% |
Fund management
AB
Abhishek Sonthalia
Since 2025 · Prior to joining UTI Mutual Fund, he has worked with Tata Mutual Fund, CRISIL Ltd. and TCS.
Mr. Sonthalia has done B. Com, Management Programme from NITIE and CFA Charter holder.
Compare similar funds
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Summary
A moderate-risk debt scheme - medium duration fund. Top 10 holdings make up 91% — a handful of stocks can swing returns sharply.
Strengths
- None
Weaknesses
- Top 10 holdings make up 91% — a handful of stocks can swing returns sharply.
Ideal investor
- Needs a 1–3 years depending on duration horizon to ride out its moderate risk level.
Risk drivers
- Top 10 holdings = 91% of the portfolio.