UTI - GILT FUND - Regular Plan - Growth Option
₹64.8256
₹0.02 (+0.04%)
NAV as of 29 May 2026
Today's NAV — all variants
Regular · Growth
₹₹48.2000
₹0.02 (+0.04%)
29 May 2026
AMFI: 102512
Direct · Growth
₹₹67.3247
₹0.03 (+0.04%)
29 May 2026
AMFI: 120792
Regular · IDCW
₹₹38.8628
₹0.01 (+0.04%)
29 May 2026
AMFI: 102509
Direct · IDCW
₹₹31.1569
₹0.01 (+0.04%)
29 May 2026
AMFI: 120791
Returns (Lumpsum)
CAGR for periods ≥ 1 yearSIP Returns (XIRR)
₹1,000/month SIP, annualisedSIP since inception — what ₹500/month became
Real NAV backtest from day one
₹1,46,000
Invested
₹3,73,007
Value today
7.4%
XIRR (p.a.)
₹500/month SIP from fund inception · Current value as of today
Try SIP Calculator with this fund's history₹1,000 lumpsum at launch — value today
Invested on the fund's first NAV date
₹1,000
Invested
₹6,483
Value today
8.0%
CAGR (p.a.)
One-time investment at fund inception · Growth purely from NAV appreciation
Try Lumpsum Calculator₹10L corpus with ₹5,000/month withdrawals since inception
Corpus is still growing despite monthly payouts
₹10,00,000
Initial corpus
₹14,60,000
Withdrawn
₹27,52,487
Corpus left
+₹32,12,487 net gain — withdrew ₹14,60,000 AND corpus grew
Plan your SWP with real NAV₹1 lakh on the worst crash day — 22 Mar 2020
Worst single-day Nifty drop during this fund's life
₹1,00,000
Invested
₹1,43,321
Value today
1.4×
Multiple
Staying invested through that crash turned ₹1L into ₹1,43,321 — a 1.4× return
Read: Staying invested through crashesDirect vs Regular — ₹500/month over 10 years
Expense ratio drag on your actual returns
Direct plan
₹84,073
Regular plan
₹82,673
Direct earns ₹1,400 more on a ₹60K investment — 0.23% extra return per year
Same fund, same NAV history — only the expense ratio differs. Direct plans always outperform Regular over time.
Learn about Direct vs Regular plansFund Details
Risk Metrics
Trailing 1 year, annualised-0.28
Sharpe Ratio
—
Alpha
—
Beta
-0.29
Sortino
3.00%
Std Dev
-3.30%
Max Drawdown
Portfolio Holdings
Top 6 holdings · as of Mar 2026
| Security | % NAV |
|---|---|
364 DAYS T-BILL - 28/01/2027 IN002025Z435 | 35.20% |
91 DAYS T-BILL - 04/06/2026 IN002025X489 | 18.26% |
7.24% GSEC MAT- 18/08/2055 IN0020250075 | 18.22% |
6.90% GSEC MAT - 15/04/2065 IN0020250018 | 13.13% |
7.65% RAJASTHAN SGS 25/03/2036 IN2920250437 | 4.11% |
07.30% UTTARAKHAND SGS Mat - 01/10/2032 IN3620250040 | 1.56% |
Performance Comparison
Interested in This Fund?
Our experts will help you decide if this fund fits your goals.
Investment Objective
UTI - GILT FUND - Regular Plan - Growth Option invests exclusively in government securities across various maturities. Gilt funds carry zero credit risk as they invest in sovereign-backed instruments, though they are subject to interest rate risk.
About This Fund
UTI - GILT FUND - Regular Plan - Growth Option is a Gilt Fund mutual fund offered by UTI Mutual Fund. The fund has been operational for over 24 years. It manages assets worth ₹515 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against CRISIL Dynamic Gilt Index. The current expense ratio is 0.90%.
Who Should Invest?
- •Moderate-risk investors looking for balanced growth and income
- •Investors with a medium-term horizon of 3-5 years
- •SIP investors who can benefit from rupee cost averaging during market fluctuations