Sharpe ratio
0.84Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+4.92%1Y Absolute Return
-0.05%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 NIFTY SDL Plus AAA PSU Bond Apr 2028- 75 25 Index Fund - Direct Plan - Growth OptionFund 3Y annualised return · 5Y history unavailable | ₹8,77,423 | ₹7,32,612 | ₹1,44,811 | +7.45% |
| 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 age3.7 yrs
Fund information
Scheme code151487
ISININF789F1AXR3
BenchmarkNifty SDL Plus AAA PSU Bond Apr 2028 75:25
CategoryOther Scheme - Index Funds
Expense ratio0.21%
Exit loadNil
Minimum SIP₹500 SIP
Return comparison
288th / 1122 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +4.14% | — | — |
| 3M | +2.47% | — | — |
| 6M | +6.04% | — | — |
| 1Y | +4.92% | — | +1.74% |
| 3Y | +7.45% | — | +9.75% |
| Since Launch | +7.43% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
1.70Return earned while limiting downside risk.
Good
Good downside protection with strong returns.
Standard deviation
1.12%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
10.89How 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%
Debt97.58%
Cash2.42%
Market cap allocation
Market-cap classifications were not present in the latest portfolio disclosure.
Sector allocation
Equity exposure by sector
Top holdings
10 of 17 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| STATE DEVELOPMENT LOAN 20342 UP 11AP28 7.98 FV RS 100 | Unspecified | State Development Loan | 27.7864% |
| STATE DEVELOPMENT LOAN 20359 TN 18AP28 8.05 FV RS 100 | Unspecified | State Development Loan | 19.3405% |
| STATE DEVELOPMENT LOAN 20302 WB 27MR28 8.09 FV RS 100 | Unspecified | State Development Loan | 15.4535% |
| NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 23I 7.62 LOA 31JN28 FVRS1LAC | Financial | Debenture | 7.1447% |
| RURAL ELECTRIFICATION CORPORATION LIMITED SR I 8.01 BD 24MR28 FVRS10LAC | Financial | Debenture | 6.4535% |
| POWER FINANCE CORPORATION LTD. SR BS221B 7.59 BD 17JN28 FVRS10LAC | Financial | Debenture | 3.6482% |
| STATE DEVELOPMENT LOAN 20230 HAR 07MR28 8.45 FV RS 100 | Unspecified | State Development Loan | 3.1063% |
| STATE DEVELOPMENT LOAN 20297 HAR 27MR28 8.14 FV RS 100 | Unspecified | State Development Loan | 3.0939% |
| STATE DEVELOPMENT LOAN 20335 KER 11AP28 8 FV RS 100 | Unspecified | State Development Loan | 3.0875% |
| POWER FINANCE CORPORATION LTD. SR-103 8.94 LOA 25MR28 FVRS10LAC | Financial | Bonds | 2.7956% |
Fund management
JA
Jaydeep Bhowal
Since 2025 · He began his career with UTI Mutual Fund in November 2009. He has more than 10 years of experience and had been involved in various roles at UTI. Presently he is working as Dealer in Department of Fund Management - Fixed Income. Prior to joining the AMC he was associated with SJ & A.
He has done B.Com, CA from ICAI and PGDFM from Welingkar Institute of Management, Mumbai
Compare similar funds
No comparable category funds are available yet.
Summary
A low to moderate-risk other scheme - index funds fund. Losses and swings stayed contained — worst fall -0.7%, volatility 1.1%. Trailing its category average over 3Y by 2.3 points.
Strengths
- Losses and swings stayed contained — worst fall -0.7%, volatility 1.1%.
- Recovered from its worst fall in 0 months.
Weaknesses
- Trailing its category average over 3Y by 2.3 points.
- Top 10 holdings make up 92% — a handful of stocks can swing returns sharply.
Ideal investor
- Needs a 5+ years horizon to ride out its low to moderate risk level.
Risk drivers
- Top 10 holdings = 92% of the portfolio.
- Unspecified makes up 75% — trouble in that sector hits the whole fund.