UTI Gilt Fund · Regular · Growth
NAV
₹65.7440
as of 15 Jul 2026
Expense Ratio
0.90%
AUM
₹515 Cr
Lumpsum returns (CAGR)
- 1Y
- +3.87%
- 3Y
- +6.67%
- 5Y
- +5.78%
- Since Inception
- +7.99%
SIP returns (XIRR)
- 1Y
- +6.18%
- 3Y
- +6.21%
- 5Y
- +6.31%
- Since Inception
- +7.60%
Returns calculated from 15 September 2017 onwards due to a structural change in the scheme on that date. Earlier NAV history is preserved but excluded from multi-year return calculations. Periods spanning this date show —.
What history actually did — last 10 years (Jul 2016 – Jul 2026)
A ₹5,000 monthly SIP for the last 10 years (Jul 2016 – Jul 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹8,28,205 today — ₹6,00,000 invested, 6.4% XIRR.
₹6,00,000
Invested
₹8,28,205
Value today
6.4%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Jul 2016 – Jul 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹1,98,749 today (7.1% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Jul 2016 would still hold ₹11,59,287.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Jul 2016 – Jul 2026) (22 Mar 2020) would be ₹1,45,260 today (1.45×).
Historical simulation using actual published NAVs for the stated period. Past performance may or may not be sustained in the future. Not investment advice.
Risk Metrics
Trailing 1 year, annualised-0.17
Sharpe Ratio
—
Alpha
—
Beta
-0.17
Sortino
2.91%
Std Dev
-3.30%
Max Drawdown
Performance Comparison
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Fund Details
Available transactions
Portfolio holdings
- 1364 Days T-Bill - 28/01/202735.20%
- 291 Days T-Bill - 04/06/202618.26%
- 37.24% Gsec Mat- 18/08/205518.22%
- 46.90% Gsec Mat - 15/04/206513.13%
- 57.65% Rajasthan Sgs 25/03/20364.11%
- 607.30% Uttarakhand Sgs Mat - 01/10/20321.56%
Investment Objective
UTI Gilt Fund · Regular · Growth 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 · Growth 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