UTI - Gilt Fund
UTI Mutual Fund · Gilt · Direct plan, growth option
NAV (₹), 1 Oct 2026
68.0252
1-day change
-0.09%
1Y return
4.5%
3Y CAGR
6.5%
5Y CAGR
5.6%
Max drawdown, 5Y
−3.2%
NAV history month-end NAV, ₹ · 3 Jan 2013 to 1 Oct 2026
Returns vs Gilt median (24 schemes)
| Period | Scheme | Category median |
|---|---|---|
| 1 month | -0.4% | -0.5% |
| 3 months | -0.3% | -0.8% |
| 6 months | 2.8% | 3.8% |
| Year to date | 3.4% | 1.9% |
| 1 year | 4.5% | 2.3% |
| 3 years (CAGR) | 6.5% | 6.2% |
| 5 years (CAGR) | 5.6% | 5.6% |
| 7 years (CAGR) | 6.0% | 6.1% |
| 10 years (CAGR) | 6.9% | 6.8% |
| Since first NAV (CAGR) | 7.9% | – |
Rolling returns every business-day start date
| Measure | Scheme | Category median |
|---|---|---|
| 1Y rolling median | 7.4% | 7.5% |
| 3Y rolling median | 8.2% | 7.5% |
| 3Y rolling worst | 3.6% | 4.1% |
| 3Y periods positive | 100% | 100% |
| 3Y periods ahead of benchmark | n/a | n/a |
| 5Y rolling median | 7.4% | 7.7% |
| 5Y rolling worst | 5.2% | 5.3% |
| 5Y periods ahead of benchmark | n/a | n/a |
Benchmark: none available in MFIC's free data for this category.
Risk 36 months, monthly returns, Rf 6.5%
| Measure | Scheme | Category median |
|---|---|---|
| Standard deviation (ann.) | 3.2% | 3.9% |
| Sharpe ratio | 0.05 | -0.06 |
| Sortino ratio | 0.07 | -0.08 |
| Beta | n/a | n/a |
| Alpha (ann.) | n/a | n/a |
| Upside capture | n/a | n/a |
| Downside capture | n/a | n/a |
Drawdowns peak-to-trough falls in NAV
| Measure | Scheme | Category median |
|---|---|---|
| Maximum drawdown, full history | −8.1% | −8.0% |
| Maximum drawdown, last 10Y | −3.7% | −4.9% |
| Maximum drawdown, last 5Y | −3.2% | −3.6% |
| Current drawdown | −1.1% | −1.6% |
| Recovery time of worst fall | 273 days | – |
Longer histories include more crises, so compare the 5Y and 10Y figures across schemes of different ages.
Direct or Regular for this scheme?
The Regular plan's expense ratio is 0.85% a year and the Direct plan's 0.47%, a gap of 0.38%; over the last 3 years the Direct plan returned 0.31 percentage points a year more. On a ₹25,000 monthly SIP for 20 years (illustration at 12% a year before costs) the gap adds up to about ₹9,69,538.
With the Regular plan, that cost pays a distributor to help you plan, choose and review funds, and stay invested when markets fall. Whether it is worth it depends on how much of that you will do yourself.
TER: AMFI TER disclosure. Returns: AMFI NAVs. Illustration, not a guaranteed saving or return.
Fund managers and scheme facts Scheme Summary Document via AMFI
| Fund manager | Role | Managing since |
|---|---|---|
| Pankaj Pathak | 8 Apr 2025 | |
| Not Applicable | 8 Apr 2025 | |
| Not Applicable | 8 Apr 2025 | |
| Not Applicable | 8 Apr 2025 |
Objective: The investment objective of the scheme is to generate credit risk-free return through investment in sovereign securities issued by the Central Government and / or a State Government and / or any security unconditionally guaranteed by the Central Government and / or a State Government for repayment of principal and interest. However there can be no assurance that the investment objective of the Scheme will be achieved. The Scheme does not guarantee / indicate any returns.
Stated asset allocation: Securities issued by the Central Government and / or State Government and / or any security unconditionally guaranteed by the Central Government and / or State Government: 80-100% Triparty Repos on Government Securities or treasury bill, Repo, Reverse Repo & instruments of such nature: 0-20%
Benchmark (tier 1): CRISIL Dynamic Gilt Index
Minimum application: Regular Plan-Growth- Rs.500, Regular Plan-Reinvestment of IDCW- Rs.20000, Regular Plan-Payout of IDCW- Rs.20000, Direct Plan-Growth- Rs.500, Direct Plan-Reinvestment of IDCW- Rs.20000, Direct Plan-Payout of IDCW- Rs.20000,
Allotment date: 21 Jan 2002
Documents: Scheme Information Document · Scheme Summary Document. Read the scheme documents before investing.
Cost, size and riskometer as disclosed to AMFI
| Measure | Scheme | Category median |
|---|---|---|
| Expense ratio (TER), Direct plan | 0.47% | 0.50% |
| AUM, whole scheme (₹ crore) | 415 | 244 |
| Riskometer | Moderate | – |
TER: AMFI, TER of MF Schemes. AUM and riskometer: AMFI, Fund Performance, 30 Sep 2026.
Official benchmark and category consistency
| Measure | Scheme | Benchmark / category |
|---|---|---|
| Return, 1 year (AMFI) | 4.9% | 2.7% TRI |
| Return, 3 years (AMFI) | 6.5% | 6.6% TRI |
| Return, 5 years (AMFI) | 5.6% | 5.6% TRI |
| Month-ends above category median (3Y CAGR) | 38% | 44% median |
| Month-ends in category top quartile (3Y) | 20% | 20% median |
| 7Y rolling CAGR, median (monthly windows) | 7.8% | 7.9% median |
Official benchmark: CRISIL Dynamic Gilt Index (total return index, as published by AMFI). Category consistency: last 10 years of month-ends, Gilt Direct plans; how it is calculated.
Calendar-year returns NAV change from 31 Dec to 31 Dec
| Year | Scheme | Benchmark | Difference |
|---|---|---|---|
| 2026 YTD | 3.4% | n/a | – |
| 2025 | 5.4% | n/a | – |
| 2024 | 9.2% | n/a | – |
| 2023 | 7.0% | n/a | – |
| 2022 | 3.2% | n/a | – |
| 2021 | 2.6% | n/a | – |
| 2020 | 10.6% | n/a | – |
| 2019 | 12.1% | n/a | – |
| 2018 | 6.6% | n/a | – |
| 2017 | 4.5% | n/a | – |
No free benchmark proxy for this category. The first year starts from the first 31 December in the scheme's history.
Monthly SIP of ₹10,000 first business day of each month, ending 1 Oct 2026
| Period | Invested | Value | XIRR |
|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1,22,485 | 3.9% |
| 3 years | ₹3,60,000 | ₹3,90,308 | 5.3% |
| 5 years | ₹6,00,000 | ₹6,98,208 | 6.0% |
| 10 years | ₹12,00,000 | ₹16,59,021 | 6.3% |
Uses this plan's NAVs; ignores stamp duty, exit loads and taxes. One historical path only — the interactive SIP analyzer shows outcomes across every start date.
Scheme facts
AMC: UTI Mutual Fund
Category: Gilt
Plan / option: Direct · Growth
AMFI scheme code: 120792
ISIN: INF789F01TL5
First NAV in MFIC data: 3 Jan 2013
History: 13.7 years
Portfolio holdings: see the scheme's monthly portfolio disclosure on the fund house website
Schemes that behaved similarly correlation of monthly returns, last 5 years
| Scheme | Category | Correlation | 3Y CAGR |
|---|---|---|---|
| SBI GILT FUND | Gilt | 0.94 | 6.6% |
| Canara Robeco Dynamic Term Fund | Dynamic Bond | 0.94 | 5.5% |
| HDFC Dynamic Term Fund | Dynamic Bond | 0.93 | 6.6% |
| Canara Robeco Gilt Fund | Gilt | 0.93 | 5.9% |
| Kotak Long Term Fund | Long Duration | 0.93 | n/a |
| Nippon India Medium to Long Term Fund | Medium to Long Duration | 0.93 | 6.6% |
Questions about UTI - Gilt Fund
- What is the latest NAV of UTI - Gilt Fund?
- The NAV of the Direct plan (growth option) was ₹68.0252 on 1 Oct 2026, as published by AMFI.
- Which category is UTI - Gilt Fund in?
- It is classified as Gilt in AMFI's daily NAV file. MFIC compares it with 24 Gilt schemes (Direct plans).
- What returns has UTI - Gilt Fund delivered?
- Over one year the NAV changed by 4.5%. The 3-year CAGR is 6.5% (category median 6.2%) and the 5-year CAGR is 5.6% (category median 5.6%). Returns are after expenses and before tax. Past performance may or may not be sustained in future.
- How consistent have its 3-year returns been?
- Measuring a 3-year CAGR from every business day in its history, the median was 8.2%, the lowest was 3.6%, and 100% of 3-year periods ended with a gain.
- What was the largest fall in UTI - Gilt Fund's NAV?
- The largest peak-to-trough fall in its available history was 8.1%; within the last five years it was 3.2% (category median 3.6%).
- How volatile is UTI - Gilt Fund?
- Its annualised standard deviation of monthly returns over the last 36 months is 3.2%, which is below the Gilt category median of 3.9%.
- What would a monthly SIP in UTI - Gilt Fund have grown to?
- A SIP of ₹10,000 on the first business day of each month for the last 5 years (60 instalments, ₹6,00,000 invested) would have been worth about ₹6,98,208 on 1 Oct 2026, an annualised return (XIRR) of 6.0%. This uses the Direct plan's NAVs, ignores taxes and exit loads, and past performance may or may not be sustained in future.
- What is the expense ratio (TER) of UTI - Gilt Fund?
- The total expense ratio of the Direct plan is 0.47% a year, as disclosed to AMFI (median of Gilt Direct plans: 0.50%). It is already deducted from the NAV, so every return shown is after expenses.
- How large is UTI - Gilt Fund?
- Assets under management of the whole scheme were ₹415 crore on 30 Sep 2026, as published by AMFI.
- What is the riskometer level of UTI - Gilt Fund?
- AMFI lists the scheme's riskometer as “Moderate”, and its benchmark's as “Moderate”. The riskometer is a label of potential risk set under SEBI rules, not a forecast.
- What is the benchmark of UTI - Gilt Fund and how has it compared?
- Its official benchmark is the CRISIL Dynamic Gilt Index. Over 3 years AMFI reports a return of 6.5% for this plan against 6.6% for the benchmark total return index; over 5 years 5.6% against 5.6%. Past performance does not indicate future results.
- How often has UTI - Gilt Fund beaten its category?
- At 38% of the 120 month-ends compared over the last 10 years, its 3-year return was above the median of Gilt schemes (Direct plans); it was in the top quarter at 20% of them. A typical scheme would show about 50%.
- Who manages UTI - Gilt Fund?
- According to its Scheme Summary Document, UTI - Gilt Fund is managed by Pankaj Pathak (since 8 Apr 2025), Not Applicable (since 8 Apr 2025), Not Applicable (since 8 Apr 2025), Not Applicable (since 8 Apr 2025).
- What is the minimum investment in UTI - Gilt Fund?
- The minimum application amount is Regular Plan-Growth- Rs.500, Regular Plan-Reinvestment of IDCW- Rs.20000, Regular Plan-Payout of IDCW- Rs.20000, Direct Plan-Growth- Rs.500, Direct Plan-Reinvestment of IDCW- Rs.20000, Direct Plan-Payout of IDCW- Rs.20000,. SIP details: SIP - D-500/W-500/M-500/Q-1500 SWP - M-500/Q-500/H-500/Y-500 STP - D-100/W-1000/M-1000/Q-3000 Flexi STP - D- 100/W-1000/M-1000/Q-3000.
- What is the difference between the Direct and Regular plans?
- Both plans hold the same portfolio; the Regular plan includes distribution costs in its expense ratio. Over one year the Direct plan's NAV changed by 4.5% and the Regular plan's by 4.1%. The Regular plan includes the services of a distributor.
Reviewing your own mutual fund portfolio?
Integrato's team can walk you through how your current schemes have behaved, using the same data shown here. Integrato is an AMFI-registered Mutual Fund Distributor.
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Data & disclosure. Source: AMFI daily NAV file and historical NAVs via mfapi.in; calculations by MFIC, as of 1 Oct 2026. Category medians use Direct plans in the same AMFI category. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Past performance may or may not be sustained in future. This page is for research and education only and is not investment advice or a recommendation to buy, sell or hold any scheme. Integrato Financial Services Pvt. Ltd. is an AMFI-registered Mutual Fund Distributor (ARN-173155). Methodology.