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UTI Gilt Fund Direct-growth
Debt
Moderate Risk
Latest AUM
₹ 423.4 Cr.
NAV as on 03 aug, 2026
₹ 68.38
+20.58%
3 years annulised
This Fund
Fund Details
Fund Names
UTI Gilt Fund Direct-growth
Inception Date
01 Jan 2013
Lock In
No Lock-in
SIP Minimum Investment amount
₹500
SWP Minimum Investment amount
₹500
STP Minimum Investment amount
₹100
Risk
Principal at moderate risk
Category Average Annual Returns
5.41
Portfolio Composition Analysis
Debt
85.09%
Cash
14.91%
Portfolio Updated on: 07 Jul, 2026
Sector Allocations
Debt
Entities
Financial
Portfolio Updated on: 03 aug, 2026
Top 10 Holdings
| Name | Sector | Instruments | Assets |
|---|---|---|---|
| GOVERNMENT OF INDIA 34238 GOI 22AP64 7.34 FV RS 100 | Entities | GOI Securities | 44.16% |
| GOVERNMENT OF INDIA 34587 GOI 18JU31 7.02 FV RS 100 | Entities | GOI Securities | 46.98% |
| GOVERNMENT OF INDIA 34587 GOI 18JU31 7.02 FV RS 100 | Entities | GOI Securities | 45.36% |
| GOVERNMENT OF INDIA 34587 GOI 18JU31 7.02 FV RS 100 | Entities | GOI Securities | 46.20% |
| GOVERNMENT OF INDIA 34587 GOI 18JU31 7.02 FV RS 100 | Entities | GOI Securities | 36.69% |
| GOVERNMENT OF INDIA 35943 GOI 05MY35 6.33 FV RS 100 | Entities | GOI Securities | 34.91% |
| GOVERNMENT OF INDIA 35943 GOI 05MY35 6.33 FV RS 100 | Entities | GOI Securities | 34.72% |
| GOVERNMENT OF INDIA 35943 GOI 05MY35 6.33 FV RS 100 | Entities | GOI Securities | 34.72% |
| GOVERNMENT OF INDIA 37011 364 DAYS TBILL 28JN27 FV RS 100 | Financial | Treasury Bills | 35.20% |
| GOVERNMENT OF INDIA 36574 GOI 06OT35 6.48 FV RS 100 | Entities | GOI Securities | 33.15% |
Debt & Credit Risk Analysis
| Sharpe Ratio | 0.35% |
| Standard Deviation | 3.14% |
| Sortino Ratio | 0.43% |
Returns Analysis
| Tenure | Absolute | Annualised | Category Average |
|---|---|---|---|
| 3 Months | 1.72% | NA | -2.45% |
| 6 Months | 3.62% | NA | 2.39% |
| 9 Months | 4.54% | NA | 4.13% |
| 1 Year | 4.50% | 4.50% | 5.41% |
| 2 Years | 12.74% | 6.18% | 7.58% |
| 3 Years | 22.57% | 7.02% | 7.36% |
| 5 Years | 34.01% | 6.03% | 5.98% |
| 7 Years | 50.86% | 6.05% | NA |
| 10 Years | 101.36% | 7.25% | 7.76% |
UTI Gilt Fund Direct-growth is one Debt mutual fund offered by UTI Mutual Fund. Launched on 01 Jan 2013, the fund aims Credit risk free return over the medium to long term. 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. It manages assets worth ₹423.4 crore as on Tue Jun 30, 2026. The expense ratio stands at 0.69%.
Pankaj Pathak has experience Prior to joining UTI AMC, he has worked with Quantum Asset Management Company and Bank of Maharashtra in Treasury Department.
Top Performing Mutual Funds
| Fund name | |||||||
|---|---|---|---|---|---|---|---|
| ICICI Prudential Gilt Fund Direct Plan-growth | 8,784.9 | -0.37% | +3.40% | +3.60% | +4.71% | +7.62% | +7.08% |
| ICICI Prudential Gilt Fund Direct Plan-idcw Half Yearly | 8,784.9 | -0.37% | +3.40% | +3.60% | +4.71% | +7.62% | +7.08% |
| Bandhan Gilt Fund Direct-growth | 1,892.4 | -1.19% | +4.06% | +5.62% | +6.70% | +8.13% | +6.55% |
| Bandhan Gilt Fund Direct-idcw | 1,892.4 | -1.19% | +4.06% | +5.62% | +6.70% | +8.13% | +6.55% |
| Bandhan Gilt Fund Direct-idcw Half Yearly | 1,892.4 | -1.19% | +4.06% | +5.62% | +6.70% | +8.13% | +6.55% |
| Bandhan Gilt Fund Direct-idcw Periodic | 1,892.4 | -1.19% | +4.06% | +5.62% | +6.70% | +8.13% | +6.55% |
| Bandhan Gilt Fund Direct-idcw Quarterly | 1,892.4 | -1.19% | +4.06% | +5.62% | +6.70% | +8.13% | +6.55% |
| Bandhan Gilt Fund Direct-idcw Yearly | 1,892.4 | -1.19% | +4.06% | +5.62% | +6.70% | +8.13% | +6.55% |
| ICICI Prudential Gilt Fund-growth | 8,784.9 | -0.42% | +3.26% | +3.33% | +4.16% | +7.06% | +6.50% |
| ICICI Prudential Gilt Fund-idcw Half Yearly | 8,784.9 | -0.42% | +3.26% | +3.33% | +4.16% | +7.06% | +6.50% |
growth is based on 1-month returns of the funds & Top fund are based on 3Y Returns
More Funds from UTI Mutual Fund
| Fund name | |||||||
|---|---|---|---|---|---|---|---|
| UTI Gilt Fund Regular Plan-growth | 423.4 | +0.08% | +1.63% | +3.43% | +4.14% | +6.71% | +5.73% |
| UTI Gilt Fund Regular Plan-idcw | 423.4 | +0.08% | +1.63% | +3.43% | +4.14% | +6.71% | +5.73% |
| UTI Gilt Fund Direct-idcw | 423.4 | +0.11% | +1.72% | +3.62% | +4.50% | +7.02% | +6.03% |
| UTI Nifty 5 Yr Benchmark G-sec Etf-growth | 26.0 | +0.45% | +2.89% | +3.39% | +5.36% | — | — |
growth is based on 1-month returns of the funds
Top Mutual Funds
| Fund name | |||||||
|---|---|---|---|---|---|---|---|
| ICICI Prudential Gilt Fund-growth | 8,784.9 | -0.42% | +3.26% | +3.33% | +4.16% | +7.06% | +6.50% |
| ICICI Prudential Gilt Fund Direct Plan-growth | 8,784.9 | -0.37% | +3.40% | +3.60% | +4.71% | +7.62% | +7.08% |
| ICICI Prudential Gilt Fund Direct Plan-idcw Half Yearly | 8,784.9 | -0.37% | +3.40% | +3.60% | +4.71% | +7.62% | +7.08% |
| ICICI Prudential Gilt Fund-idcw Half Yearly | 8,784.9 | -0.42% | +3.26% | +3.33% | +4.16% | +7.06% | +6.50% |
| SBI Gilt Fund Direct-growth | 8,454.8 | -0.30% | +2.19% | +3.02% | +3.61% | +6.85% | +6.46% |
| SBI Gilt Fund Regular-growth | 8,454.8 | -0.34% | +2.06% | +2.77% | +3.10% | +6.34% | +5.95% |
| SBI Gilt Fund Direct-idcw Quarterly | 8,454.8 | -0.30% | +2.19% | +3.02% | +3.61% | +6.85% | +6.46% |
| SBI Gilt Fund Regular-idcw Quarterly | 8,454.8 | -0.34% | +2.06% | +2.77% | +3.10% | +6.34% | +5.95% |
| Nippon India Etf Nifty 8-13 Yr G-sec Long Term Gilt-idcw | 2,465.9 | -0.05% | +2.95% | +2.71% | +3.51% | +7.37% | +5.87% |
| Kotak Gilt Investment Pf & Trust Direct-growth | 2,257.2 | -0.41% | +3.24% | +3.26% | +2.21% | +6.21% | +5.90% |
Top funds are based on Fund AUM
Top Debt Funds
| Fund name | ||||
|---|---|---|---|---|
| Icici Prudential Gilt Fund Direct Plan-growth | ₹117.15 | +7.62% | +7.08% | — |
| Icici Prudential Gilt Fund Direct Plan-idcw Half Yearly | ₹18.69 | +7.62% | +7.08% | — |
| Bandhan Gilt Fund Direct-growth | ₹40.69 | +8.13% | +6.55% | — |
| Bandhan Gilt Fund Direct-idcw | ₹15.69 | +8.13% | +6.55% | — |
| Bandhan Gilt Fund Direct-idcw Half Yearly | ₹12.66 | +8.13% | +6.55% | — |
| Bandhan Gilt Fund Direct-idcw Periodic | ₹19.26 | +8.13% | +6.55% | — |
| Bandhan Gilt Fund Direct-idcw Quarterly | ₹11.64 | +8.13% | +6.55% | — |
| Bandhan Gilt Fund Direct-idcw Yearly | ₹12.66 | +8.13% | +6.55% | — |
| Icici Prudential Gilt Fund-growth | ₹108.11 | +7.06% | +6.50% | — |
| Icici Prudential Gilt Fund-idcw Half Yearly | ₹17.71 | +7.06% | +6.50% | — |
growth is based on 5Y returns of the funds
Historical NAV
| Date | NAV |
|---|---|
| 03 Aug 2026 | ₹68.38 |
| 31 Jul 2026 | ₹68.36 |
| 30 Jul 2026 | ₹68.37 |
| 29 Jul 2026 | ₹68.37 |
| 28 Jul 2026 | ₹68.42 |
| 27 Jul 2026 | ₹68.41 |
| 24 Jul 2026 | ₹68.30 |
| 23 Jul 2026 | ₹68.27 |
| 22 Jul 2026 | ₹68.30 |
| 21 Jul 2026 | ₹68.31 |
| 20 Jul 2026 | ₹68.33 |
| 17 Jul 2026 | ₹68.33 |
| 16 Jul 2026 | ₹68.36 |
| 15 Jul 2026 | ₹68.31 |
| 14 Jul 2026 | ₹68.26 |
| 13 Jul 2026 | ₹68.37 |
| 10 Jul 2026 | ₹68.37 |
| 09 Jul 2026 | ₹68.32 |
| 08 Jul 2026 | ₹68.28 |
| 07 Jul 2026 | ₹68.35 |
| 06 Jul 2026 | ₹68.35 |
| 03 Jul 2026 | ₹68.31 |
| 02 Jul 2026 | ₹68.31 |
| 01 Jul 2026 | ₹68.20 |
| 30 Jun 2026 | ₹68.24 |
| 29 Jun 2026 | ₹68.23 |
| 25 Jun 2026 | ₹68.14 |
| 24 Jun 2026 | ₹68.07 |
| 23 Jun 2026 | ₹67.97 |
| 22 Jun 2026 | ₹67.93 |
Portfolio Updated on: 04 Aug, 2026
Fund Growth & Size Analysis
+₹423.4 Cr
Since Launch
This Fund
Category Average
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UTI Gilt Fund Direct-growth Returns Comparison
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UTI Gilt Fund Direct-growth FAQ'S
- Sharpe Ratio: 0.35%
- Standard Deviation: 3.14%
- Sortino Ratio: 0.43%
Additional important ratios:
As of Tue Jun 30, 2026, the total assets managed under UTI Gilt Fund Direct-growth stand at approximately ₹ 423.4 crore.
The UTI Gilt Fund Direct-growth has delivered the following short-term performance:
- 3 Months Return: 1.72%
- 6 Months Return: 3.62%
The historical growth of the UTI Gilt Fund Direct-growth is reflected through its CAGR returns:
- 3 Year CAGR: 7.02%
- 5 Year CAGR: 6.03%
- Return Since Launch: 8.04%
The portfolio of UTI Gilt Fund Direct-growth is distributed across different asset classes as follows:
- Debt Instruments: 85.09%
- Other Assets: 14.91%
The UTI Gilt Fund Direct-growth is managed by Pankaj Pathak, representing UTI Mutual Fund.
Top stock holdings of UTI Gilt Fund Direct-growth include:
- GOVERNMENT OF INDIA 34238 GOI 22AP64 7.34 FV RS 100 – represents 44.16% of the portfolio
- GOVERNMENT OF INDIA 34587 GOI 18JU31 7.02 FV RS 100 – represents 46.98% of the portfolio
- GOVERNMENT OF INDIA 34587 GOI 18JU31 7.02 FV RS 100 – represents 45.36% of the portfolio
- GOVERNMENT OF INDIA 34587 GOI 18JU31 7.02 FV RS 100 – represents 46.20% of the portfolio
- GOVERNMENT OF INDIA 34587 GOI 18JU31 7.02 FV RS 100 – represents 36.69% of the portfolio
- GOVERNMENT OF INDIA 35943 GOI 05MY35 6.33 FV RS 100 – represents 34.91% of the portfolio
- GOVERNMENT OF INDIA 35943 GOI 05MY35 6.33 FV RS 100 – represents 34.72% of the portfolio
- GOVERNMENT OF INDIA 35943 GOI 05MY35 6.33 FV RS 100 – represents 34.72% of the portfolio
- GOVERNMENT OF INDIA 37011 364 DAYS TBILL 28JN27 FV RS 100 – represents 35.20% of the portfolio
- GOVERNMENT OF INDIA 36574 GOI 06OT35 6.48 FV RS 100 – represents 33.15% of the portfolio
Major sector exposures in UTI Gilt Fund Direct-growth are:
- Entities – accounts for 795.88% of the portfolio
- Financial – accounts for 227.19% of the portfolio
