UTI 10 year Constant Maturity Gilt Fund
UTI Mutual Fund · Gilt 10Y Constant · Direct plan, growth option
NAV (₹), 1 Oct 2026
13.2087
1-day change
-0.12%
1Y return
2.4%
3Y CAGR
6.7%
5Y CAGR
n/a
Max drawdown, 5Y
n/a
NAV history month-end NAV, ₹ · 3 Aug 2022 to 1 Oct 2026
Returns vs Gilt 10Y Constant median (5 schemes)
| Period | Scheme | Category median |
|---|---|---|
| 1 month | -1.2% | -1.1% |
| 3 months | -1.2% | -1.2% |
| 6 months | 2.5% | 2.5% |
| Year to date | 1.4% | 1.5% |
| 1 year | 2.4% | 2.5% |
| 3 years (CAGR) | 6.7% | 6.7% |
| 5 years (CAGR) | n/a | 5.6% |
| 7 years (CAGR) | n/a | 6.3% |
| 10 years (CAGR) | n/a | 7.4% |
| Since first NAV (CAGR) | 6.7% | – |
Rolling returns every business-day start date
| Measure | Scheme | Category median |
|---|---|---|
| 1Y rolling median | 7.7% | 8.3% |
| 3Y rolling median | 7.9% | 8.2% |
| 3Y rolling worst | 6.2% | 3.4% |
| 3Y periods positive | 100% | 100% |
| 3Y periods ahead of benchmark | n/a | n/a |
| 5Y rolling median | n/a | 8.1% |
| 5Y rolling worst | n/a | 5.5% |
| 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.) | 3.1% | 3.1% |
| Sharpe ratio | 0.09 | 0.10 |
| Sortino ratio | 0.13 | 0.13 |
| 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 | −2.7% | −4.7% |
| Maximum drawdown, last 10Y | n/a | −4.8% |
| Maximum drawdown, last 5Y | n/a | −4.7% |
| Current drawdown | −2.1% | −2.1% |
| Recovery time of worst fall | 71 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 0.77% a year and the Direct plan's 0.33%, a gap of 0.44%; over the last 3 years the Direct plan returned 0.50 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 ₹11,38,728.
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 |
|---|---|---|
| Jaydeep Bhowal | 1 Oct 2024 | |
| Not Applicable | 1 Oct 2024 | |
| Not Applicable | 1 Oct 2024 | |
| Not Applicable | 1 Oct 2024 |
Objective: The investment objective of the scheme is to generate optimal returns with high liquidity by investing in a portfolio of government securities such that weighted average portfolio maturity is around 10 years. 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 and State Governments: 80-100% Triparty Repos on Government Securities or treasury bill, Repo, Reverse Repo on Government Securities & Money Market instruments: 0-20%
Benchmark (tier 1): CRISIL 10 Year Gilt Index
Minimum application: Direct Plan-Growth-Rs.5000, Regular Plan-Growth-Rs.5000 "Note - Fresh subscriptions in Income Distribution Cum Capital Withdrawal (IDCW) option through all modes such as Lump Sum mode (including Switches) and fresh registration of Systematic Investment Plan (SIP) and/or Systematic Transfer Plan (STP) registration, special products/features in the scheme is discontinued w.e.f. September 04, 2026:"
Allotment date: 1 Aug 2022
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 | 0.33% | 0.31% |
| AUM, whole scheme (₹ crore) | 105 | 285 |
| 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) | 3.0% | 1.3% TRI |
| Return, 3 years (AMFI) | 6.7% | 6.2% TRI |
| Month-ends above category median (3Y CAGR) | 0% | 0% median |
| Month-ends in category top quartile (3Y) | 0% | 0% median |
Official benchmark: CRISIL 10 Year Gilt Index (total return index, as published by AMFI). Category consistency: last 10 years of month-ends, Gilt 10Y Constant Direct plans; how it is calculated.
Calendar-year returns NAV change from 31 Dec to 31 Dec
| Year | Scheme | Benchmark | Difference |
|---|---|---|---|
| 2026 YTD | 1.4% | n/a | – |
| 2025 | 7.1% | n/a | – |
| 2024 | 9.6% | n/a | – |
| 2023 | 7.8% | 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 | ₹1,21,223 | 1.9% |
| 3 years | ₹3,60,000 | ₹3,88,517 | 5.0% |
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 10Y Constant
Plan / option: Direct · Growth
AMFI scheme code: 150410
ISIN: INF789F1AVR7
First NAV in MFIC data: 3 Aug 2022
History: 4.2 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 10 YEAR CONSTANT MATURITY GILT FUND | Gilt 10Y Constant | 1.00 | 6.7% |
| ICICI Prudential 10 year Constant Maturity Gilt Fund | Gilt 10Y Constant | 1.00 | 7.0% |
| DSP 10 year Constant Maturity Gilt Fund | Gilt 10Y Constant | 0.99 | 6.0% |
| Bandhan 10 year Constant Maturity Gilt Fund | Gilt 10Y Constant | 0.99 | 7.4% |
| JM Medium to Long Term Fund | Medium to Long Duration | 0.99 | 6.5% |
| Mirae Asset CRISIL IBX Gilt Index - April 2033 Index Fund | Debt Index Fund | 0.99 | 7.1% |
Questions about UTI 10 year Constant Maturity Gilt Fund
- What is the latest NAV of UTI 10 year Constant Maturity Gilt Fund?
- The NAV of the Direct plan (growth option) was ₹13.2087 on 1 Oct 2026, as published by AMFI.
- Which category is UTI 10 year Constant Maturity Gilt Fund in?
- It is classified as Gilt 10Y Constant in AMFI's daily NAV file. MFIC compares it with 5 Gilt 10Y Constant schemes (Direct plans).
- What returns has UTI 10 year Constant Maturity Gilt Fund delivered?
- Over one year the NAV changed by 2.4%. The 3-year CAGR is 6.7% (category median 6.7%). 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 7.9%, the lowest was 6.2%, and 100% of 3-year periods ended with a gain.
- What was the largest fall in UTI 10 year Constant Maturity Gilt Fund's NAV?
- The largest peak-to-trough fall in its available history was 2.7%.
- How volatile is UTI 10 year Constant Maturity Gilt Fund?
- Its annualised standard deviation of monthly returns over the last 36 months is 3.1%, which is below the Gilt 10Y Constant category median of 3.1%.
- What would a monthly SIP in UTI 10 year Constant Maturity Gilt Fund have grown to?
- A SIP of ₹10,000 on the first business day of each month for the last 3 years (36 instalments, ₹3,60,000 invested) would have been worth about ₹3,88,517 on 1 Oct 2026, an annualised return (XIRR) of 5.0%. 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 10 year Constant Maturity Gilt Fund?
- The total expense ratio of the Direct plan is 0.33% a year, as disclosed to AMFI (median of Gilt 10Y Constant Direct plans: 0.31%). It is already deducted from the NAV, so every return shown is after expenses.
- How large is UTI 10 year Constant Maturity Gilt Fund?
- Assets under management of the whole scheme were ₹105 crore on 30 Sep 2026, as published by AMFI.
- What is the riskometer level of UTI 10 year Constant Maturity 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 10 year Constant Maturity Gilt Fund and how has it compared?
- Its official benchmark is the CRISIL 10 Year Gilt Index. Over 3 years AMFI reports a return of 6.7% for this plan against 6.2% for the benchmark total return index. Past performance does not indicate future results.
- How often has UTI 10 year Constant Maturity Gilt Fund beaten its category?
- At 0% of the 14 month-ends compared over the last 10 years, its 3-year return was above the median of Gilt 10Y Constant schemes (Direct plans); it was in the top quarter at 0% of them. A typical scheme would show about 50%.
- Who manages UTI 10 year Constant Maturity Gilt Fund?
- According to its Scheme Summary Document, UTI 10 year Constant Maturity Gilt Fund is managed by Jaydeep Bhowal (since 1 Oct 2024), Not Applicable (since 1 Oct 2024), Not Applicable (since 1 Oct 2024), Not Applicable (since 1 Oct 2024).
- What is the minimum investment in UTI 10 year Constant Maturity Gilt Fund?
- The minimum application amount is Direct Plan-Growth-Rs.5000, Regular Plan-Growth-Rs.5000 "Note - Fresh subscriptions in Income Distribution Cum Capital Withdrawal (IDCW) option through all modes such as Lump Sum mode (including Switches) and fresh registration of Systematic Investment Plan (SIP) and/or Systematic Transfer Plan (STP) registration, special products/features in the scheme is discontinued w.e.f. September 04, 2026:". 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 "Note - Fresh subscriptions in Income Distribution Cum Capital Withdrawal (IDCW) option through all modes such as Lump Sum mode (including Switches) and fresh registration of Systematic Investment Plan (SIP) and/or Systematic Transfer Plan (STP) registration, special products/features in the scheme is discontinued w.e.f. September 04, 2026:".
- 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 2.4% and the Regular plan's by 1.9%. The Regular plan includes the services of a 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.