UTI Low Duration Fund Direct Growth

UTI Low Duration Fund Direct Growth

NAV as on 28-03-2025

₹ 3527.83

0.1%

1D

Inception Returns

6.9%

/yr

Historical NAV & Returns

Absolute

zero opening, trading, fund transfer fee
85 people have invested ₹ 12.7L in UTI Low Duration Fund Direct Growth in the last three months

About UTI Low Duration Fund Direct Growth

UTI Low Duration Fund Direct Growth is a debt fund. This fund was started on 1 January, 2013. The fund is managed by Anurag Mittal. This fund is suitable to keep your money safe.

Key Parameters

  1. UTI Low Duration Fund Direct Growth has ₹3237 Cr worth of assets under management (AUM) as on Dec 1969 and is less than category average.
  2. The fund has an expense ratio 0.4.

Returns

UTI Low Duration Fund Direct Growth has given a CAGR return of 6.95% since inception. Over the last 1, 3 and 5 years the fund has given a CAGR return of 7.84%, 6.87% and 7.29% respectively.

Holdings

UTI Low Duration Fund Direct Growth has allocated its funds majorly in Corporate, Cash Equivalent, Government. Its top holdings are 182 Days Tbill, HDFC Bank Limited, Power Finance Corporation Limited, Bajaj Housing Finance Limited, National Bank For Agriculture And Rural Development

Taxation

As it is a low duration 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 Low Duration Fund Direct Growth

The investment objective is to generate reasonable income for its investors consistent with high liquidity by investing in a portfolio of debt & money market instruments. 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 Low Duration Fund Direct Growth has no lock in period.

UTI Low Duration Fund Direct Growth Overview

Expense ratio0.39%
Benchmark
CRISIL Liquid Fund TR INR
AUM₹3237 Cr
Inception Date1 January, 2013
Min Lumpsum/SIP₹500/₹500
Exit Load0%
Lock InNo Lock-in
TurnOver
216.83%
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
Low to Moderate Risk

Trailing Returns

as on (28-Mar-25)

Period
UTI Low Duration Fund Direct Growth
Low Duration Index
1M
0.8%
0.4%
3M
2.1%
1.4%
6M
3.9%
2.9%
1Y
7.8%
6.6%
3Y
6.9%
6.2%
5Y
7.3%
6%

Fund Distribution

as on (31-Dec-69)

  • Debt & Cash 99.7%

AAA
89.2%

AA
10.8%

Sector Allocation

Feb'25

Jan'25

Dec'24

Corporate
53.8%
Cash Equivalent
26.3%
Government
20%
All changes are between Oct'69 and Dec'69
Parameters
Feb'25
Jan'25
Dec'24
AUM
₹ 3.2K Cr
₹ 3.4K Cr
₹ 3.5K Cr
  • AUM of the fund stands at 3.2K Cr as of Feb'25
  • AUM decreased by 174 Cr between Feb'25 and Jan'25
Top Stocks bought last month
LIC Housing Finance Limited's allocation increased from 1.43% to 2.62%
LIC Housing Finance Limited's allocation increased from 1.43% to 2.62%
Rec Limited's allocation increased from 0.86% to 1.75%
Rec Limited's allocation increased from 0.86% to 1.75%
Nirma Limited's allocation increased from 2.15% to 2.63%
Nirma Limited's allocation increased from 2.15% to 2.63%
Top Stocks sold last month
Bajaj Housing Finance Limited's allocation decreased from 5.26 % to 4.37 %
Bajaj Housing Finance Limited's allocation decreased from 5.26 % to 4.37 %
National Bank For Agriculture And Rural Development's allocation decreased from 5.26 % to 3.48 %
National Bank For Agriculture And Rural Development's allocation decreased from 5.26 % to 3.48 %
Rural Electrification Corporation Limited's allocation decreased from 2.05 % to 1.75 %
Rural Electrification Corporation Limited's allocation decreased from 2.05 % to 1.75 %
Debt allocation has gone up from 47.2% to 58.9%
Debt allocation has gone up from 47.2% to 58.9%
Cash allocation has gone down from 52.5% to 40.8%
Cash allocation has gone down from 52.5% to 40.8%

Top 2 Sectors in February were Corporate, Government

Feb'25
Corporate
54%
Government
20%
Jan'25
Corporate
49%
Government
9%
  • Debt & Cash

Holdings
Weight%
1M Change
182 Days Tbill
182 Days Tbill
9.08%
0%
HDFC Bank Limited
HDFC Bank Limited
5.87%
0%
Power Finance Corporation Limited
Power Finance Corporation Limited
4.56%
0%
Bajaj Housing Finance Limited
Bajaj Housing Finance Limited
3.89%
0%
National Bank For Agriculture And Rural Development
National Bank For Agriculture And Rural Development
3.12%
0%
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Anurag Mittal
Anurag Mittal
Fund Manager of UTI Low Duration Fund Direct Growth, since 1 December 2021
Fund House
UTI Asset Management Co Ltd
Total Schemes
Total AUM
₹2.35L Cr
as on 28-Feb-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
Over the last 6 months, this fund has experienced a 15.8% growth in AUM moving from 2.79K Cr to 3.23K Cr.
Insights icon
This fund has one of the lowest expense ratio in the category (low duration). Its expense ratio is 0.39% which is lower than the category average expense ratio of 0.67%.
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In the last 5 years, this fund has outperformed all funds in its category.
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Over the last 1 year, this fund has increased expense ratio by 11.4% moving from 0.35 to 0.39.
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In the last 1 year, Kotak Low Duration Fund- Direct Plan- Growth Option has given 8.2% return, outperforming this fund by 0.36%.
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In the last 3 years, ICICI Prudential Savings Fund Direct Plan Growth has given 7.27% return, outperforming this fund by 0.4% per annum.

UTI Low Duration Fund Direct Growth Highlights

Risk meter
pointer

Low to Moderate Risk

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

About the fund

This fund has delivered an average annual returns of 6.95% since inception which is more than its category average return of 5.75%
AUM size ₹3237 Cr

AUM size ₹3237 Cr

This fund has AUM of ₹3237 Cr which is less than its category average of ₹ 5923 Cr
Expense Ratio 0.39%

Expense Ratio 0.39%

This fund has an expense ratio of 0.39% which is less than its category average expense ratio of 0.59%

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Frequently Asked Questions for UTI Low Duration Fund Direct Growth

The current NAV of UTI Low Duration Fund Direct Growth is ₹3527.83 as on 28-Mar-2025.
Existing (Absolute + CAGR) as on 28-Mar-2025.
UTI Low Duration Fund Direct Growth
Absolute Returns
CAGR Returns
1 Month Returns
0.83%
0.83%
6 Month Returns
3.86%
3.86%
1 Year Returns
7.84%
7.84%
3 Years Returns
22.05%
6.87%
5 Years Returns
42.14%
7.29%
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.
0.39% as on March 2025
₹3237 Cr as on March 2025
182 Days Tbill(9.08%), HDFC Bank Limited(5.87%), Power Finance Corporation Limited(4.56%), Bajaj Housing Finance Limited(3.89%), National Bank For Agriculture And Rural Development(3.12%) as on March 2025
Corporate(55.1%), Cash Equivalent(24.78%), Government(20.11%) as on March 2025
Yield to Maturity is 7.58 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 0.93 as on March 2025. Modified Duration tells the sensitivity of the price of a bond to a change in interest rate.
AAA
89.24
AA
10.76
Anurag Mittal is the fund manager of UTI Low Duration Fund Direct Growth
The Exit load of UTI Low Duration Fund Direct Growth is 0%