UTI Mutual Fund

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UTI Mutual Fund was established in 1964. It is one of India's most trusted and oldest mutual fund houses. With an Assets Under Management (AUM) of ₹238790 crore, it manages 72 schemes across equity, hybrid, debt, and liquid categories. UTI MF consistently ranks among the top 10 fund houses in India, maintaining its position as the country's most trusted mutual fund brand. Its flagship schemes have delivered consistent returns.
Scheme Name
Min. Invest AUM (In Cr)
UTI-Healthcare Fund - Direct (G)
UTI-Healthcare Fund - Direct (G)

Sectoral / Thematic | Equity

22.73% ₹5,000 ₹1,037.49 Invest
20.61% ₹5,000 ₹1,263.64 Invest
UTI-Flexi Cap Fund - Direct (G)
UTI-Flexi Cap Fund - Direct (G)

Flexi Cap Fund | Equity

17.21% ₹5,000 ₹25,190.40 Invest
UTI-Value Fund - Direct (G)
UTI-Value Fund - Direct (G)

Value Fund | Equity

17.18% ₹5,000 ₹9,572.97 Invest
UTI-Large & Mid Cap Fund - Direct (G)
UTI-Large & Mid Cap Fund - Direct (G)

Large & Mid Cap Fund | Equity

16.04% ₹5,000 ₹4,349.32 Invest
UTI-Small Cap Fund - Direct (G)
UTI-Small Cap Fund - Direct (G)

Small Cap Fund | Equity

15.06% ₹5,000 ₹4,237.54 Invest
UTI-Aggressive Hybrid Fund - Direct (G)
UTI-Aggressive Hybrid Fund - Direct (G)

Aggressive Hybrid Fund | Hybrid

14.70% ₹1,000 ₹6,122.28 Invest
UTI-Dividend Yield Fund - Direct (G)
UTI-Dividend Yield Fund - Direct (G)

Dividend Yield Fund | Equity

14.20% ₹5,000 ₹3,928.43 Invest
13.92% ₹1,000 ₹199.38 Invest
UTI-Balanced Advantage Fund - Direct (G)
UTI-Balanced Advantage Fund - Direct (G)

Dynamic Asset Allocation or Balanced Advantage | Hybrid

13.88% ₹5,000 ₹2,945.08 Invest
13.84% ₹1,000 ₹22,521.11 Invest
UTI-Large Cap Fund - Direct (G)
UTI-Large Cap Fund - Direct (G)

Large Cap Fund | Equity

13.27% ₹100 ₹12,607.55 Invest
UTI-Conservative Hybrid Fund - Direct (G)
UTI-Conservative Hybrid Fund - Direct (G)

Conservative Hybrid Fund | Hybrid

12.60% ₹5,000 ₹1,665.56 Invest
12.39% ₹500 ₹3,689.48 Invest
UTI-Gilt Fund with 10yr Constant Duration-Dir (G)
UTI-Gilt Fund with 10yr Constant Duration-Dir (G)

Gilt Fund with 10 year Constant duration | Debt

12.18% ₹5,000 ₹172.80 Invest
11.81% ₹5,000 ₹367.51 Invest
UTI-Focused Fund - Direct (G)
UTI-Focused Fund - Direct (G)

Focused Fund | Equity

11.50% ₹5,000 ₹2,561.22 Invest
11.36% ₹1,000 ₹98.87 Invest
UTI-Multi Asset Allocation Fund - Direct (G)
UTI-Multi Asset Allocation Fund - Direct (G)

Multi Asset Allocation | Hybrid

11.20% ₹5,000 ₹5,517.13 Invest
UTI-Long Duration Fund - Direct (G)
UTI-Long Duration Fund - Direct (G)

Long Duration Fund | Debt

11.18% ₹5,000 ₹233.44 Invest
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UTI Mutual Fund was established in 1964. It is one of India's most trusted and oldest mutual fund houses. With an Assets Under Management (AUM) of ₹238790 crore, it manages 72 schemes across equity, hybrid, debt, and liquid categories. UTI MF consistently ranks among the top 10 fund houses in India, maintaining its position as the country's most trusted mutual fund brand. Its flagship schemes have delivered consistent returns.

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UTI-Healthcare Fund - Direct (G)

UTI-Healthcare Fund - Direct (G)

Equity | Sectoral / Thematic

1Y returns

22.73%

Min. Invest

₹5,000

AUM

₹1,037.49 Cr

1Y returns

20.61%

Min. Invest

₹5,000

AUM

₹1,263.64 Cr

1Y returns

17.21%

Min. Invest

₹5,000

AUM

₹25,190.40 Cr

1Y returns

17.18%

Min. Invest

₹5,000

AUM

₹9,572.97 Cr

UTI-Large & Mid Cap Fund - Direct (G)

UTI-Large & Mid Cap Fund - Direct (G)

Equity | Large & Mid Cap Fund

1Y returns

16.04%

Min. Invest

₹5,000

AUM

₹4,349.32 Cr

1Y returns

15.06%

Min. Invest

₹5,000

AUM

₹4,237.54 Cr

UTI-Aggressive Hybrid Fund - Direct (G)

UTI-Aggressive Hybrid Fund - Direct (G)

Equity | Aggressive Hybrid Fund

1Y returns

14.70%

Min. Invest

₹1,000

AUM

₹6,122.28 Cr

UTI-Dividend Yield Fund - Direct (G)

UTI-Dividend Yield Fund - Direct (G)

Equity | Dividend Yield Fund

1Y returns

14.20%

Min. Invest

₹5,000

AUM

₹3,928.43 Cr

1Y returns

13.92%

Min. Invest

₹1,000

AUM

₹199.38 Cr

UTI-Balanced Advantage Fund - Direct (G)

UTI-Balanced Advantage Fund - Direct (G)

Equity | Dynamic Asset Allocation or Balanced Advantage

1Y returns

13.88%

Min. Invest

₹5,000

AUM

₹2,945.08 Cr

1Y returns

13.84%

Min. Invest

₹1,000

AUM

₹22,521.11 Cr

1Y returns

13.27%

Min. Invest

₹100

AUM

₹12,607.55 Cr

UTI-Conservative Hybrid Fund - Direct (G)

UTI-Conservative Hybrid Fund - Direct (G)

Equity | Conservative Hybrid Fund

1Y returns

12.60%

Min. Invest

₹5,000

AUM

₹1,665.56 Cr

1Y returns

12.39%

Min. Invest

₹500

AUM

₹3,689.48 Cr

UTI-Gilt Fund with 10yr Constant Duration-Dir (G)

UTI-Gilt Fund with 10yr Constant Duration-Dir (G)

Equity | Gilt Fund with 10 year Constant duration

1Y returns

12.18%

Min. Invest

₹5,000

AUM

₹172.80 Cr

1Y returns

11.81%

Min. Invest

₹5,000

AUM

₹367.51 Cr

1Y returns

11.50%

Min. Invest

₹5,000

AUM

₹2,561.22 Cr

1Y returns

11.36%

Min. Invest

₹1,000

AUM

₹98.87 Cr

1Y returns

11.20%

Min. Invest

₹5,000

AUM

₹5,517.13 Cr

UTI-Long Duration Fund - Direct (G)

UTI-Long Duration Fund - Direct (G)

Equity | Long Duration Fund

1Y returns

11.18%

Min. Invest

₹5,000

AUM

₹233.44 Cr

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About UTI Mutual Fund

UTI Mutual Fund has consistently demonstrated exceptional performance across its diverse portfolio of investment schemes. The fund house's equity funds have delivered remarkable returns, with the UTI Flexicap Fund generating over 15% average annual returns in each decade. Their flagship scheme, UTI Mastershare Unit Scheme, India's first equity-oriented fund, has maintained a stellar track record of beating market benchmarks consistently.

The fund's debt portfolio showcases equally impressive results, with UTI Bond Fund maintaining a high-quality portfolio focused on government securities and AAA-rated instruments. UTI's hybrid funds have successfully balanced risk and returns, providing investors with steady growth while maintaining downside protection during market volatility.

Over the years, UTI's mid-cap and small-cap funds have demonstrated exceptional stock-picking abilities, identifying future market leaders early. The UTI Mid Cap Fund, in particular, has outperformed its category average by maintaining a disciplined investment approach and focusing on quality companies with strong growth potential.

The fund house's risk-adjusted returns have been particularly noteworthy, with many schemes earning top ratings from CRISIL and Value Research. Their consistent alpha generation across market cycles reflects the robustness of their investment process and research capabilities. UTI's liquid funds have maintained high safety standards while delivering competitive returns, making them a preferred choice for corporate treasuries and institutional investors.

UTI's sector funds have shown remarkable expertise in identifying industry trends and capitalizing on sectoral opportunities. The fund house's infrastructure fund has capitalized effectively on India's growing infrastructure needs, delivering strong returns to investors. Their banking sector fund has successfully navigated through various credit cycles while maintaining healthy returns.

The fund house's international funds have provided effective diversification benefits to investors, offering exposure to global markets while managing currency risks efficiently. UTI's tax-saving ELSS funds have consistently ranked among the top performers in their category, combining tax benefits with strong returns.

Their focus on sustainable investing has yielded positive results, with their ESG-focused funds showing strong performance while maintaining high environmental and governance standards. The fund house's dynamic asset allocation funds have demonstrated skilled market timing, effectively shifting between equity and debt based on market conditions.

UTI's strong performance extends to their passive investment offerings, with their index funds and ETFs tracking their benchmarks with minimal tracking error. Their thematic funds have successfully captured emerging trends in technology, consumption, and healthcare sectors, providing investors with focused exposure to high-growth areas.

The fund house's fixed maturity plans have delivered predictable returns while maintaining high credit quality, making them attractive for investors seeking certainty of returns. Their monthly income plans have maintained consistent dividend payouts, serving the needs of investors seeking regular income.

UTI's ability to manage large asset bases while maintaining performance speaks volumes about its robust investment processes and risk management systems. Their focus on limiting fund sizes in mid and small-cap categories has helped maintain performance consistency and portfolio liquidity.

Their strong performance is further validated by multiple awards and recognitions from industry bodies and rating agencies. The fund house's commitment to research-driven investment decisions and long-term wealth creation has resulted in a loyal investor base and continued asset growth.

This consistent performance across categories, market cycles, and time periods establishes UTI Mutual Fund as a reliable choice for investors seeking strong risk-adjusted returns and professional fund management.

How to Invest in UTI Mutual Fund?

UTI Mutual Fund's six-decade legacy makes it one of India's most trusted fund houses. Their proven track record demonstrates a commitment to investor wealth creation since 1964.

The fund house boasts a highly experienced investment team with deep market understanding. Their research-driven approach ensures careful selection of securities and portfolio management. UTI's funds have shown remarkable consistency across market cycles. Many of their schemes have outperformed their benchmarks over long periods.

From conservative debt funds to aggressive equity schemes, UTI offers comprehensive investment solutions catering to various risk appetites and financial goals. With a strong focus on investor education and transparent communication, UTI maintains high service standards and robust risk management practices.

Now, note the steps to begin your investment process in these funds.

Step 1: Login or Register
Visit the Torus Digital platform to register or log in securely to start your investment journey.

Step 2: Validate Identity Proof
Complete paperless KYC verification through Digilocker integration, eliminating the need for physical documents.

Step 3: Level of risk
Take the risk assessment test to determine your investment profile - low, medium, or high risk.

Step 4: Choose a mutual fund scheme
Browse through UTI's diverse scheme offerings and select one that aligns with your goals.

Step 5: One Time (Lumpsum) or SIP
Choose between a one-time lumpsum investment or start a Systematic Investment Plan (SIP).

Step 6: SIP Placement
Start your SIP immediately on the same day or select a preferred monthly date.

Your Torus account will reflect the UTI Mutual Fund in India you have invested in within 3 to 4 working days.

Top 10 UTI Mutual Fund

Scheme Name
Min. Invest AUM (In Cr)

Top 10 UTI Mutual Fund

UTI-Healthcare Fund - Direct (G)

UTI-Healthcare Fund - Direct (G)

Equity | Sectoral / Thematic

1Y returns

22.73%

Min. Invest

₹5,000

AUM

₹1,037.49 Cr

Fund Performance:
Over the last 1, 3, and 5 years, the fund has delivered annualized returns of approximately 22.73%, 24.82%, and 23.80%, respectively. This fund is part of the Equity category.
Minimum Investment Requirements:
You can start with a lump sum of ₹5000, while the SIP option requires a minimum of ₹500.

1Y returns

20.61%

Min. Invest

₹5,000

AUM

₹1,263.64 Cr

Fund Performance:
Over the last 1, 3, and 5 years, the fund has delivered annualized returns of approximately 20.61%, 23.62%, and 26.88%, respectively. This fund is part of the Equity category.
Minimum Investment Requirements:
You can start with a lump sum of ₹5000, while the SIP option requires a minimum of ₹500.
UTI-Flexi Cap Fund - Direct (G)

UTI-Flexi Cap Fund - Direct (G)

Equity | Flexi Cap Fund

1Y returns

17.21%

Min. Invest

₹5,000

AUM

₹25,190.40 Cr

Fund Performance:
Over the last 1, 3, and 5 years, the fund has delivered annualized returns of approximately 17.21%, 14.94%, and 21.89%, respectively. This fund is part of the Equity category.
Minimum Investment Requirements:
You can start with a lump sum of ₹5000, while the SIP option requires a minimum of ₹500.
UTI-Value Fund - Direct (G)

UTI-Value Fund - Direct (G)

Equity | Value Fund

1Y returns

17.18%

Min. Invest

₹5,000

AUM

₹9,572.97 Cr

Fund Performance:
Over the last 1, 3, and 5 years, the fund has delivered annualized returns of approximately 17.18%, 23.18%, and 27.44%, respectively. This fund is part of the Equity category.
Minimum Investment Requirements:
You can start with a lump sum of ₹5000, while the SIP option requires a minimum of ₹500.
UTI-Large & Mid Cap Fund - Direct (G)

UTI-Large & Mid Cap Fund - Direct (G)

Equity | Large & Mid Cap Fund

1Y returns

16.04%

Min. Invest

₹5,000

AUM

₹4,349.32 Cr

Fund Performance:
Over the last 1, 3, and 5 years, the fund has delivered annualized returns of approximately 16.04%, 26.27%, and 31.30%, respectively. This fund is part of the Equity category.
Minimum Investment Requirements:
You can start with a lump sum of ₹5000, while the SIP option requires a minimum of ₹500.
UTI-Small Cap Fund - Direct (G)

UTI-Small Cap Fund - Direct (G)

Equity | Small Cap Fund

1Y returns

15.06%

Min. Invest

₹5,000

AUM

₹4,237.54 Cr

Fund Performance:
Over the last 1, 3, and 5 years, the fund has delivered annualized returns of approximately 15.06%, 22.78%, and 24.58%, respectively. This fund is part of the Equity category.
Minimum Investment Requirements:
You can start with a lump sum of ₹5000, while the SIP option requires a minimum of ₹100.
UTI-Aggressive Hybrid Fund - Direct (G)

UTI-Aggressive Hybrid Fund - Direct (G)

Equity | Aggressive Hybrid Fund

1Y returns

14.70%

Min. Invest

₹1,000

AUM

₹6,122.28 Cr

Fund Performance:
Over the last 1, 3, and 5 years, the fund has delivered annualized returns of approximately 14.70%, 20.61%, and 24.75%, respectively. This fund is part of the Equity category.
Minimum Investment Requirements:
You can start with a lump sum of ₹1000, while the SIP option requires a minimum of ₹500.
UTI-Dividend Yield Fund - Direct (G)

UTI-Dividend Yield Fund - Direct (G)

Equity | Dividend Yield Fund

1Y returns

14.20%

Min. Invest

₹5,000

AUM

₹3,928.43 Cr

Fund Performance:
Over the last 1, 3, and 5 years, the fund has delivered annualized returns of approximately 14.20%, 22.26%, and 26.68%, respectively. This fund is part of the Equity category.
Minimum Investment Requirements:
You can start with a lump sum of ₹5000, while the SIP option requires a minimum of ₹500.

1Y returns

13.92%

Min. Invest

₹1,000

AUM

₹199.38 Cr

Fund Performance:
Over the last 1, 3, and 5 years, the fund has delivered annualized returns of approximately 13.92%, 17.12%, and 12.41%, respectively. This fund is part of the Equity category.
Minimum Investment Requirements:
You can start with a lump sum of ₹1000, while the SIP option requires a minimum of ₹500.
UTI-Balanced Advantage Fund - Direct (G)

UTI-Balanced Advantage Fund - Direct (G)

Equity | Dynamic Asset Allocation or Balanced Advantage

1Y returns

13.88%

Min. Invest

₹5,000

AUM

₹2,945.08 Cr

Fund Performance:
Over the last 1, 3, and 5 years, the fund has delivered annualized returns of approximately 13.88%, 15.33%, and 15.33%, respectively. This fund is part of the Equity category.
Minimum Investment Requirements:
You can start with a lump sum of ₹5000, while the SIP option requires a minimum of ₹500.

1Y returns

13.84%

Min. Invest

₹1,000

AUM

₹22,521.11 Cr

Fund Performance:
Over the last 1, 3, and 5 years, the fund has delivered annualized returns of approximately 13.84%, 17.68%, and 23.46%, respectively. This fund is part of the Equity category.
Minimum Investment Requirements:
You can start with a lump sum of ₹1000, while the SIP option requires a minimum of ₹500.
UTI-Large Cap Fund - Direct (G)

UTI-Large Cap Fund - Direct (G)

Equity | Large Cap Fund

1Y returns

13.27%

Min. Invest

₹100

AUM

₹12,607.55 Cr

Fund Performance:
Over the last 1, 3, and 5 years, the fund has delivered annualized returns of approximately 13.27%, 17.18%, and 22.82%, respectively. This fund is part of the Equity category.
Minimum Investment Requirements:
You can start with a lump sum of ₹100, while the SIP option requires a minimum of ₹100.
UTI-Conservative Hybrid Fund - Direct (G)

UTI-Conservative Hybrid Fund - Direct (G)

Equity | Conservative Hybrid Fund

1Y returns

12.60%

Min. Invest

₹5,000

AUM

₹1,665.56 Cr

Fund Performance:
Over the last 1, 3, and 5 years, the fund has delivered annualized returns of approximately 12.60%, 11.89%, and 13.18%, respectively. This fund is part of the Equity category.
Minimum Investment Requirements:
You can start with a lump sum of ₹5000, while the SIP option requires a minimum of ₹500.

1Y returns

12.39%

Min. Invest

₹500

AUM

₹3,689.48 Cr

Fund Performance:
Over the last 1, 3, and 5 years, the fund has delivered annualized returns of approximately 12.39%, 18.43%, and 24.13%, respectively. This fund is part of the Equity category.
Minimum Investment Requirements:
You can start with a lump sum of ₹500, while the SIP option requires a minimum of ₹500.
UTI-Gilt Fund with 10yr Constant Duration-Dir (G)

UTI-Gilt Fund with 10yr Constant Duration-Dir (G)

Equity | Gilt Fund with 10 year Constant duration

1Y returns

12.18%

Min. Invest

₹5,000

AUM

₹172.80 Cr

Fund Performance:
Over the last 1, 3, and 5 years, the fund has delivered annualized returns of approximately 12.18%, 9.46%, and 9.46%, respectively. This fund is part of the Equity category.
Minimum Investment Requirements:
You can start with a lump sum of ₹5000, while the SIP option requires a minimum of ₹500.

1Y returns

11.81%

Min. Invest

₹5,000

AUM

₹367.51 Cr

Fund Performance:
Over the last 1, 3, and 5 years, the fund has delivered annualized returns of approximately 11.81%, 9.60%, and 9.60%, respectively. This fund is part of the Equity category.
Minimum Investment Requirements:
You can start with a lump sum of ₹5000, while the SIP option requires a minimum of ₹500.
UTI-Focused Fund - Direct (G)

UTI-Focused Fund - Direct (G)

Equity | Focused Fund

1Y returns

11.50%

Min. Invest

₹5,000

AUM

₹2,561.22 Cr

Fund Performance:
Over the last 1, 3, and 5 years, the fund has delivered annualized returns of approximately 11.50%, 21.07%, and 13.85%, respectively. This fund is part of the Equity category.
Minimum Investment Requirements:
You can start with a lump sum of ₹5000, while the SIP option requires a minimum of ₹500.

1Y returns

11.36%

Min. Invest

₹1,000

AUM

₹98.87 Cr

Fund Performance:
Over the last 1, 3, and 5 years, the fund has delivered annualized returns of approximately 11.36%, 20.45%, and 20.45%, respectively. This fund is part of the Equity category.
Minimum Investment Requirements:
You can start with a lump sum of ₹1000, while the SIP option requires a minimum of ₹500.
UTI-Multi Asset Allocation Fund - Direct (G)

UTI-Multi Asset Allocation Fund - Direct (G)

Equity | Multi Asset Allocation

1Y returns

11.20%

Min. Invest

₹5,000

AUM

₹5,517.13 Cr

Fund Performance:
Over the last 1, 3, and 5 years, the fund has delivered annualized returns of approximately 11.20%, 22.13%, and 20.02%, respectively. This fund is part of the Equity category.
Minimum Investment Requirements:
You can start with a lump sum of ₹5000, while the SIP option requires a minimum of ₹500.
UTI-Long Duration Fund - Direct (G)

UTI-Long Duration Fund - Direct (G)

Equity | Long Duration Fund

1Y returns

11.18%

Min. Invest

₹5,000

AUM

₹233.44 Cr

Fund Performance:
Over the last 1, 3, and 5 years, the fund has delivered annualized returns of approximately 11.18%, 10.57%, and 10.57%, respectively. This fund is part of the Equity category.
Minimum Investment Requirements:
You can start with a lump sum of ₹5000, while the SIP option requires a minimum of ₹500.

FAQ’s

How to Start UTI Mutual Fund SIP Online?

Log in or register on Torus Digital or the UTI Mutual Fund website. Validate your identity using Digilocker. Choose your risk level, select a mutual fund scheme, and decide between a lump sum or SIP.

How to Calculate UTI Mutual Fund SIP?

Use the SIP calculator on the UTI Mutual Fund website. Enter your monthly investment amount, expected rate of return, and investment duration to estimate your future returns.

How to Redeem UTI Mutual Fund?

Log in to your account on Torus Digital or the UTI Mutual Fund website. Select the mutual fund you wish to redeem, enter the number of units, and confirm the transaction.

How Much Time Does It Take to Redeem UTI Mutual Fund?

It typically takes 1-3 working days for the redeemed amount to be credited to your bank account, depending on the type of fund.

Why Should I Invest in UTI Mutual Fund?

UTI Mutual Fund offers a diverse range of high-performing schemes, robust risk management, and innovative investment solutions, making it a reliable choice for achieving long-term financial goals.

Get started with us today and
start building your wealth journey

*By clicking, I agree to the T&C and Whatsapp updates.

Get started with us today and
start building your wealth journey

*By clicking, I agree to the T&C and Whatsapp updates.