UTI Mutual Fund – Top Schemes, Latest Returns, Nav

UTI Mutual Funds

The mutual fund industry in India can be traced back to 1963 with the inception of the Unit Trust of India (UTI), at the initiative of the Government of India and the Reserve Bank of India. Currently, UTI mutual fund is the oldest mutual fund service provider in India and one of the best AMCs registered under SEBI, with the fastest-growing fund houses. 

Indian investors are free to make investments in the top UTI mutual fund schemes to safeguard their interests and accomplish their goals of wealth building, retirement, etc. In addition, online investment in mutual funds has become easier than ever before, which allows you to explore various UTI schemes falling in equity, debt, and hybrid assets categories.

About UTI Mutual Fund

UTI Mutual Fund was established in 2003 to provide investors with wealth creation opportunities through investment in the capital market. Since then, the fund house has transformed itself to become one of India’s leading asset management companies, thanks to its industry-led best practices, resilient business model, and long-term vision. Nowadays, the company offers a broad spectrum of investment solutions, including domestic mutual funds,  International Business, Portfolio Management Services, Venture Funds, Retirement Solutions, and Alternative Investment Funds. Over the years, the UTI mutual fund aspires to become the most trusted mutual fund destination, at the same time delivering best-in-class services focusing on nation-building.

The Primary Goal of The UTI Mutual Fund

The primary goal of the UTI mutual fund is to pool the capital from the citizens for making collective investments through the acquisition, holding, trading, management, or disposal of securities. It helps them offer facilities for the participation by persons as beneficiaries in these properties or investments and in the profits or income derived from that place.

UTI Contribution & Services

UTI has a long history of contributing toward industrial and capital growth in the Indian market. It has a large team of more than 51,000 Independent Financial Advisors, over 300 Business Development Associates, and 469 Financial centers. In addition, UTI also has assets under management across various businesses, including mutual funds, Portfolio Management Services, Venture Funds Retirement Solutions,  International Business, and Alternative Investment assets.


Funds Offered by UTI Mutual Fund

  • Equity Fund 
  • Index Fund 
  • Hybrid Fund 
  • Solution-Oriented Fund 
  • Debt Fund

UTI Equity Fund (UTI Flexi Cap)

UTI Equity Fund or UTI Flexi Cap Fund is an equity mutual fund scheme that deals in equity and equity-linked securities of companies across all market capitalizations. The scheme was launched on 01 Jan 2013 and currently has an AMU of INR ₹286.467 Crores. The primary objective of the plan is to provide capital appreciation in the long run. 


  • When you plan to invest for five years or more, you can expect profits that can effortlessly beat the inflation rates. However, be prepared for ups and downs in your investment value along the way. 
  • As the name suggests, it’s a Flexi-cap fund where the investment management team has complete freedom to invest in companies of various sizes based on assumptions that expect maximum profits. This feature makes UTI Flexi-cap funds more suitable for equity fund investors, as the job of stock selection is entirely dependent on the fund manager, which is the very idea of investing in a mutual fund.

UTI Nifty Index Fund

UTI Nifty Index Fund is an open-ended index fund scheme offered by UTI Mutual Fund. This scheme has been in existence for  8 years 10 months, since its inception on 01/01/2013. In addition, UTI Nifty Index Fund has INR 5,380 crores worth of assets under management (AUM) and comes under the medium-sized fund category. The scheme has an expense ratio of 0.2%, which is far less than what most of the other service providers charge. 


  • If you plan to invest for five years or more, you can expect substantial gains that can comfortably beat the inflation rate and returns of fixed income options. However, be ready for ups and downs in your investment value along the way.
  • This UTI Nifty Index Fund especially invests in massive organizations. Compared to other schemes that invest in smaller companies, such funds tend to fall less when the market falls, which makes them much suitable for conservative equity investors.

UTI Hybrid Fund

The main purpose of UTI Hybrid Fund is to generate long-term capital gains by predominantly investing in equity and equity-related securities of organizations across the market capitalization spectrum. This scheme also invests in debt and money market instruments to generate regular income. 


  • When you invest for a long term, five years or more, you can expect high gains that can beat the inflation rate and returns from fixed income options. However, similar to other investments, be ready for ups and downs in your investment value along the journey.
  • UTI Hybrid Fund returns are a bit slower than those of pure equity funds, which invest all your money in shares. But, this makes them fall relatively less in the event of stock market collapse.

UTI Solution-Oriented Fund

The purpose of UTI Solution-oriented Funds is to fulfill specific financial goals of the investors, like retirement,  marriage, child’s education, etc. To teach financial discipline, encourage investors to invest for the long term, and resist the urge to redeem mutual funds early, such plans carry a lock-in period of 5 years or till retirement age (whichever is earlier).

UTI Debt Fund

UTI Debt mutual fund helps provide investors with regular income and safety of capital over the short to medium term. Such types of funds are generally invested in fixed income-generating securities like government securities, treasury bills, and numerous other money market instruments. 

Each of such debt securities bears a specific credit rating that a rating agency assigns. These ratings help gauge the issuer’s reliability concerning repayment of principal and interest upon maturity. Also, the fund manager will select the debt securities according to the fund’s underlying ratings and investment objective. The owner of the debt fund would earn returns with the help of interest income and a steady increase in the fund value over the provided investment horizon.

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