Sharpe ratio
0.07Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+2.74%1Y Absolute Return
-0.16%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 to Long Duration Fund-Growth - DirectFund 5Y annualised return | ₹8,65,083 | ₹7,32,612 | ₹1,32,471 | +6.88% |
| 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₹1.07
₹1 Lakh since launch₹1.07 Lakh
Fund age13.9 yrs
Fund information
Scheme code120689
ISININF789F01SQ6
BenchmarkCRISIL Medium to Long Duration Debt A-III Index
CategoryDebt Scheme - Medium to Long Duration Fund
Expense ratio1.30%
Exit loadNil
Minimum SIP₹500 SIP
Return comparison
37th / 101 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +8.05% | — | — |
| 3M | -2.32% | — | — |
| 6M | +4.79% | — | — |
| 1Y | +2.74% | — | +1.72% |
| 3Y | +6.30% | — | +4.29% |
| 5Y | +6.88% | — | +4.03% |
| 10Y | +5.22% | — | — |
| Since Launch | +6.64% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
0.10Return earned while limiting downside risk.
Moderate
Moderate downside risk-adjusted performance.
Standard deviation
2.04%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
0.51How 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%
Debt96.94%
Cash3.06%
Market cap allocation
Market-cap classifications were not present in the latest portfolio disclosure.
Sector allocation
Equity exposure by sector
Top holdings
10 of 28 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| SUMMIT DIGITEL INFRASTRUCTURE PRIVATE LIMITED 7.40 NCD 28SP28 FVRS10LAC | Technology | Debenture | 8.2427% |
| BAJAJ HOUSING FINANCE LIMITED 7.02 NCD 26MY28 FVRS1LAC | Financial | Non Convertible Debenture | 8.157% |
| 7.08% ANDHRA PRADESH SDL 26-MAR-37 | Financial | State Development Loan | 7.9384% |
| SIDDHIVINAYAK SECURITISATION TRUST SD TRUST PTC 15SEPT25 | Unspecified | Securitised Debt | 6.4949% |
| GOVERNMENT OF INDIA 35840 GOI 15AP65 6.9 FV RS 100 | Entities | GOI Securities | 6.1181% |
| JTPM METAL TRADERS LIMITED NCD 30AP30 FVRS1LAC | Materials | Debenture | 5.9944% |
| MUTHOOT FINANCE LIMITED OP I 7.88 NCD 22NV28 FVRS1LAC | Financial | Non Convertible Debenture | 5.5473% |
| PIRAMAL FINANCE LIMITED 9.15 NCD 17JU27 FVRS1LAC | Financial | Debenture | 4.9721% |
| ADITYA BIRLA RENEWABLES LIMITED 8.6 NCD 24SP27 FVRS1LAC | Energy & Utilities | Bonds/NCDs | 4.9487% |
| TORRENT PHARMACEUTICALS LTD SR 2 7.60 NCD 19JN29 FVRS1LAC | Healthcare | Non Convertible Debenture | 4.925% |
Fund management
AM
Amit Sharma
Since 2025 · He has been associated with the Dept. of Fund Management of UTI for the past 5 years.
Mr. Sharma is a B.Com, CA, FRM
Compare similar funds
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Summary
A moderately high-risk debt scheme - medium to long duration fund. Top 10 holdings make up 63% — a handful of stocks can swing returns sharply.
Strengths
- None
Weaknesses
- Top 10 holdings make up 63% — a handful of stocks can swing returns sharply.
- Has fallen sharply before — down -13.1% at its worst.
Ideal investor
- Needs a 1–3 years depending on duration horizon to ride out its moderately high risk level.
Risk drivers
- Top 10 holdings = 63% of the portfolio.