UTI Gilt Fund Direct Growth

UTI Gilt Fund Direct Growth

NAV as on 21-04-2025

₹ 65.44

0.5%

1D

Inception Returns

8.6%

/yr

Historical NAV & Returns

Absolute

zero opening, trading, fund transfer fee
19 people have invested ₹ 3.3L in UTI Gilt Fund Direct Growth in the last three months

About UTI Gilt Fund Direct Growth

UTI Gilt Fund Direct Growth is a debt fund. This fund was started on 1 January, 2013. The fund is managed by Pankaj Pathak. This fund is suitable to keep your money safe.

Key Parameters

  1. UTI Gilt Fund Direct Growth has ₹733 Cr worth of assets under management (AUM) as on Dec 1969 and is less than category average.
  2. The fund has an expense ratio 0.7.

Returns

UTI Gilt Fund Direct Growth has given a CAGR return of 8.56% since inception. Over the last 1, 3 and 5 years the fund has given a CAGR return of 11.99%, 8.18% and 6.39% respectively.

Holdings

UTI Gilt Fund Direct Growth has allocated its funds majorly in Government, Cash Equivalent. Its top holdings are 6.79% Govt Stock 2034, 7.34% Govt Stock 2064, 7.09% Govt Stock 2054, 7.3% Govt Stock 2053, 7.46% Govt Stock 2073

Taxation

As it is a government bond mutual fund the taxation is as follows:
If the fund is debt oriented i.e. asset allocation of more than 65% in debt instruments:
Invested before 1 April 2023 and held for less than 24 months, STCG will be taxed at your income slab rate.
Invested before 1 April 2023 and held for more than 24 months, LTCG will be taxed at 12.5%.
Invested after 1 April 2023, capital gains will be taxed at your income slab rate.
Dividends will always be taxed at slab rate.

Investment objective of UTI Gilt Fund Direct Growth

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 State Government and / or any security unconditionally guaranteed by the Central Government and / or 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.

Minimum Investment and lockin period

Minimum investment for lump sum payment is INR 500.00 and for SIP is INR 500.00. UTI Gilt Fund Direct Growth has no lock in period.

UTI Gilt Fund Direct Growth Overview

Expense ratio0.65%
Benchmark
CRISIL Dynamic Gilt TR INR
AUM₹733 Cr
Inception Date1 January, 2013
Min Lumpsum/SIP₹500/₹500
Exit Load0%
Lock InNo Lock-in
TurnOver
661.9%
STCGSelling mutual fund within 36 months, gains taxed at slab rates.
LTCGHolding over 3 years, gains taxed at slab rates without indexation.
Risk
Risk meter
pointer
Moderate Risk

Trailing Returns

as on (21-Apr-25)

Period
UTI Gilt Fund Direct Growth
Government Bond Index
1M
2.5%
2.3%
3M
4.4%
3.9%
6M
5.9%
5.3%
1Y
12%
11.3%
3Y
8.2%
7.7%
5Y
6.4%
6.3%

Fund Distribution

as on (31-Dec-69)

  • Debt & Cash 100%

AAA
100%

Sector Allocation

Mar'25

Feb'25

Jan'25

Dec'24

Nov'24

Oct'24

Government
95.4%
Cash Equivalent
4.6%
All changes are between Oct'69 and Dec'69
Parameters
Mar'25
Feb'25
Jan'25
AUM
₹ 732.8 Cr
₹ 643.6 Cr
₹ 647.8 Cr
  • AUM of the fund stands at 732.8 Cr as of Mar'25
  • AUM increased by 89.2 Cr between Mar'25 and Feb'25
Cash allocation has gone up from 3.5% to 4.6%
Cash allocation has gone up from 3.5% to 4.6%
Debt allocation has gone down from 96.5% to 95.4%
Debt allocation has gone down from 96.5% to 95.4%

Top Sector in March was Government

Mar'25
Government
95%
Feb'25
Government
97%
  • Debt & Cash

Holdings
Weight%
1M Change
6.79% Govt Stock 2034
6.79% Govt Stock 2034
42.24%
27.1%
7.34% Govt Stock 2064
7.34% Govt Stock 2064
16.52%
0%
7.09% Govt Stock 2054
7.09% Govt Stock 2054
13.94%
0%
7.3% Govt Stock 2053
7.3% Govt Stock 2053
6.44%
0%
7.46% Govt Stock 2073
7.46% Govt Stock 2073
4.38%
0%
  • Returns %

  • Fund Ratios

  • Overview

Funds
1Y Returns
3Y Returns
5Y Returns
Since Inception
UTI Gilt Fund Direct Growth
UTI Gilt Fund Direct Growth
11.99%
8.18%
6.39%
8.56%
DSP Gilt Fund Direct Plan Growth
DSP Gilt Fund Direct Plan Growth
13.23%
8.97%
7.57%
8.52%
SBI Magnum Gilt Fund Direct Growth
SBI Magnum Gilt Fund Direct Growth
12.67%
9.13%
7.53%
9.49%
Edelweiss Government Securities Fund Direct Growth
Edelweiss Government Securities Fund Direct Growth
12.44%
8.54%
7.82%
9.04%
Loading...
We are taking more time than usual
Pankaj Pathak
Pankaj Pathak
Fund Manager of UTI Gilt Fund Direct Growth, since 8 April 2025
Top funds managed
Scheme
Annualised Returns(3Y)
Category Returns(3Y)
UTI Dynamic Bond Fund Direct Plan Growth Option
10.66%
7.65%
UTI Floater Direct Growth
7.11%
7.46%
UTI Gilt Fund Direct Plan Growth
8.09%
7.59%
Fund House
UTI Asset Management Co Ltd
Total Schemes
Total AUM
₹2.21L Cr
as on 31-Mar-2025
Address
PMS Division, UTI - Tower, “Gn” Block, Bandra Kurla Complex, Mumbai- 400051
Phone
+912266786666
Website
pms_care@uti.co.in

Mutual Fund Insights

Insights icon
In the last 5 years, ICICI Prudential Gilt Fund Direct Plan Growth has given 7.72% return, outperforming this fund by 1.33% per annum.
Insights icon
Over the last 1 month, this fund has experienced a 13.9% growth in AUM moving from 643.56 Cr to 732.75 Cr.
Insights icon
This fund expense ratio is slightly on the lower side within the category (government bond). Its expense ratio is 0.65% which is lower than the category average expense ratio of 0.8%.
Insights icon
In the last 1 year, DSP Gilt Fund Direct Plan Growth has given 13.23% return, outperforming this fund by 1.25%.
Insights icon
In the last 3 years, SBI Magnum Gilt Fund Direct Growth has given 9.13% return, outperforming this fund by 0.95% per annum.
Insights icon
Over the last 3 months, this fund has decreased expense ratio by 3.0% moving from 0.67 to 0.65.

UTI Gilt Fund Direct Growth Highlights

Risk meter
pointer

Moderate Risk

Investors understand that their principal will be at Moderate Risk
About the fund

About the fund

This fund has delivered an average annual returns of 8.56% since inception which is more than its category average return of 7.15%
AUM size ₹733 Cr

AUM size ₹733 Cr

This fund has AUM of ₹733 Cr which is less than its category average of ₹ 2141 Cr
Expense Ratio 0.65%

Expense Ratio 0.65%

This fund has an expense ratio of 0.65% which is less than its category average expense ratio of 0.82%

Frequently Asked Questions for UTI Gilt Fund Direct Growth

The current NAV of UTI Gilt Fund Direct Growth is ₹65.44 as on 21-Apr-2025.
Existing (Absolute + CAGR) as on 21-Apr-2025.
UTI Gilt Fund Direct Growth
Absolute Returns
CAGR Returns
1 Month Returns
2.54%
2.54%
6 Month Returns
5.88%
5.88%
1 Year Returns
11.99%
11.99%
3 Years Returns
26.61%
8.18%
With INDmoney, the process of investing is very simple and involves zero commission.
  • Click Buy on the fund name.
  • Input the amount you are looking to invest.
  • Select Lump Sum or SIP (Weekly, Monthly or Quarterly).
  • Select your bank account and proceed with Payment.
0.65% as on March 2025
₹733 Cr as on March 2025
6.79% Govt Stock 2034(42.24%), 7.34% Govt Stock 2064(16.52%), 7.09% Govt Stock 2054(13.94%), 7.3% Govt Stock 2053(6.44%), 7.46% Govt Stock 2073(4.38%) as on March 2025
Yield to Maturity is 6.87 as on March 2025. Yield to Maturity is the total return earned on your bond investments if you hold the bond investments till maturity & all bonds' proceeds are reinvested in it.
Modified Duration is 9.12 as on March 2025. Modified Duration tells the sensitivity of the price of a bond to a change in interest rate.
AAA
100
Pankaj Pathak is the fund manager of UTI Gilt Fund Direct Growth
The Exit load of UTI Gilt Fund Direct Growth is 0%