UTI Medium Term Fund
- NAV as on 25 Sep 2026
- ₹19.15-0.05%1 day
- Return since launch
- 5.8%
- 52-week range
- ₹18.42 — ₹19.28
- AUM
- ₹36.35 Cr
UTI Medium Term Fund is a Medium Duration debt fund from UTI Mutual Fund with ₹36.35 Cr under management, launched in 2015. Over three years it has returned 5.3% a year, against 7.1% for its category. The expense ratio is 1.52% and the SEBI riskometer reading is Moderate.
Performance
UTI Medium Term Fund NAV and returns
Growth of the fund against its category average over the period you pick.
Over 1Y this fund returned +3.9% against +5.3% for its category.
Performance
Returns
How the fund has done against its category and its benchmark.
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1Y | 3.5% | −1.6 pts | 5.1% | 5.5% |
| 2Y | 4.4% | −1.4 pts | 5.8% | 5.9% |
| 3Y | 5.3% | −1.8 pts | 7.1% | 6.5% |
| 5Y | 5.7% | −0.6 pts | 6.3% | 6.5% |
| 7Y | 5.5% | −1.1 pts | 6.6% | 6.2% |
| 10Y | 5.2% | −1.0 pts | 6.2% | 6.3% |
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1M | -0.4% | −0.3 pts | -0.1% | -0.2% |
| 3M | 0.2% | −0.4 pts | 0.5% | 0.8% |
| 6M | 2.4% | −0.8 pts | 3.2% | 3.5% |
| 1Y | 3.9% | −1.3 pts | 5.1% | 5.3% |
| 2Y | 5.3% | −1.3 pts | 6.5% | 6.4% |
| 3Y | 6.1% | −1.0 pts | 7.1% | 6.9% |
| 5Y | 5.5% | −0.8 pts | 6.3% | 5.9% |
| 7Y | 4.8% | −1.5 pts | 6.2% | 6.3% |
| 10Y | 5.3% | −1.0 pts | 6.2% | 6.4% |
Since launch (25 Mar 2015): 5.8%
Calendar-year returns
Category averageShow as a table
| Period | Fund | vs category | Category |
|---|---|---|---|
| 2025 | 6.5% | −2.0 pts | 8.5% |
| 2024 | 7.5% | −1.2 pts | 8.7% |
| 2023 | 6.5% | −1.0 pts | 7.4% |
| 2022 | 2.4% | −2.4 pts | 4.8% |
| 2021 | 6.2% | 0.0 pts | 6.2% |
| 2020 | 0.0% | −7.1 pts | 7.1% |
Returns over one year are annualised. Shorter periods are absolute.
Costs & terms
Costs and terms
What the fund charges each year, and the rules around putting money in and taking it out.
Costs
1.52%
Expense ratio as on 25 Sep 2026
Charged yearly and already deducted from the NAV.
- Base expense
- 1.31%
- Brokerage
- 0.00%
- Transaction charges
- 0.00%
- Statutory levies
- 0.21%
- Exit load
- For units in excess of 10% of the investment,1% will be charged for redemption within 365 days
- Lock-in
- None
Terms
- Min SIP
- ₹3,000
- Min lumpsum
- ₹5,000
- Plan
- GROWTH
- Fund type
- OPEN-ENDED
- Benchmark
- NIFTY Medium Duration Debt Index A-III
Risk
Risk
What the riskometer means for this fund, and how its ratios sit against the category.
Your principal is treated as being at moderate risk — typically medium duration debt and conservative hybrid schemes.
| Ratio | Fund | Category avg | Read as |
|---|---|---|---|
| Alpha | — | — | Return earned above what the benchmark alone would have given. Higher is better. |
| Beta | — | — | How hard the fund moves when the market moves. Under 1 is steadier than the market. |
| Sharpe | 0.28 | 1.25 | Return earned for each unit of total risk taken. Higher is better. |
| Sortino | 0.39 | 2.07 | Return earned for each unit of downside risk. Higher is better. |
| Std. deviation | 1.64 | 1.68 | How widely monthly returns have varied around their own average. Lower is steadier. |
| Average of 5 category peers | |||
Portfolio
UTI Medium Term Fund portfolio
Portfolio as of 31 Aug 2026
Asset allocation
- Debt80.8%
- Other19.2%
Top holdings
| Holding | Sector | Weight | Value | 3M chg | 6M chg | 1Y chg |
|---|---|---|---|---|---|---|
| Others | Others | 19.77% | ₹7.18 Cr | +1.38% | +1.27% | +1.18% |
| GOI | Sovereign | 11.29% | ₹4.10 Cr | +11.25% | +10.73% | +10.26% |
| Uttar Pradesh State | Others | 8.53% | ₹3.10 Cr | +8.49% | +8.10% | +7.81% |
| Bajaj Finance Ltd. | Financial | 8.06% | ₹2.93 Cr | +8.11% | +7.73% | +7.43% |
| Adani Power Ltd. | Energy | 5.47% | ₹1.99 Cr | +5.50% | +5.16% | — |
| Shivshakti Securitisation Trust | Others | 5.35% | ₹1.94 Cr | +5.41% | +5.17% | — |
| 360 ONE Wealth Ltd. | Financial | 4.14% | ₹1.50 Cr | +4.17% | +3.91% | +3.76% |
| Eris Lifesciences Ltd. | Healthcare | 2.76% | ₹1.00 Cr | +2.78% | +2.60% | +2.51% |
| Aditya Birla Renewables Ltd. | Energy | 2.76% | ₹1.00 Cr | +2.77% | +2.60% | +2.51% |
| Piramal Finance Ltd. | Financial | 2.52% | ₹0.91 Cr | +2.50% | +2.40% | +2.36% |
| Avanse Financial Services Ltd. | Financial | 1.38% | ₹0.50 Cr | +1.39% | +1.29% | +1.25% |
Sectors
Instruments
Recent changes
| Holding | From | To | Weight |
|---|---|---|---|
| Piramal Finance Ltd. | 2.47% | 2.52% | +0.05% |
| GOI | 11.24% | 11.29% | +0.05% |
| Adani Power Ltd. | 5.42% | 5.47% | +0.05% |
| 360 ONE Wealth Ltd. | 4.10% | 4.14% | +0.04% |
| Shivshakti Securitisation Trust | 5.32% | 5.35% | +0.03% |
| Eris Lifesciences Ltd. | 2.73% | 2.76% | +0.03% |
| Aditya Birla Renewables Ltd. | 2.73% | 2.76% | +0.03% |
| Uttar Pradesh State | 8.51% | 8.53% | +0.03% |
| Bajaj Finance Ltd. | 8.04% | 8.06% | +0.02% |
| Avanse Financial Services Ltd. | 1.36% | 1.38% | +0.02% |
| Others | 0.46% | 0.46% | +0.01% |
Compare
Similar funds
The rest of the category, so this fund’s numbers have something to sit against.
| Fund | AUM | Expense | 1Y | 3Y | 5Y |
|---|---|---|---|---|---|
| Category average | ₹3,853 Cr | 1.42% | 6.1% | 7.6% | 7.8% |
 SBI Medium Term Fund | ₹6,489 Cr | 1.23% | 6.1% | 6.8% | 6.9% |
 ICICI Prudential Medium Term Fund | ₹5,419 Cr | 1.36% | 6.2% | 7.4% | 7.3% |
 Aditya Birla Sun Life Medium Term Fund | ₹3,319 Cr | 1.55% | 7.2% | 9.5% | 10.3% |
 Axis Medium Term Fund | ₹2,112 Cr | 1.33% | 5.6% | 7.0% | 7.1% |
 Kotak Medium Term Fund | ₹1,926 Cr | 1.63% | 5.4% | 7.2% | 7.1% |
About
About this fund
The scheme’s own words, its benchmark and the people running it.
Investment objective
The scheme seeks to generate reasonable income by investing in debt & money market securities such that the Macaulay duration of the portfolio is between 3 to 4 years.
Fund managers
- Anurag MittalMr. Mittal is B.Com. (Hons), CA and M.Sc. in Accounting and Finance (specialization in Finance) from London School of Economics & Political Science.Prior to joining UTI Mutual Fund, he worked with IDFC AMC, HDFC AMC ( Sept. 2012 - Oct. 2015), Axis AMC (July 2009 - Sept. 2012), ICICI Prudential Life Insurance Company Ltd. as Credit Research Analyst (2008-2009) and with Bank of America in Corporate Banking (2006-2008).
Tools
Return calculator
What ₹10,000 a month in this fund would have grown to over each period, based on its past returns.
| Over the past | Total investment | Would’ve become | Growth | Returns |
|---|---|---|---|---|
| 6 months2.41% absolute | ₹60,000 | ₹61,446 | 2.41% | |
| 1 year3.85% annualised | ₹1,20,000 | ₹1,22,532 | 2.11% | |
| 3 years6.06% annualised | ₹3,60,000 | ₹3,95,703 | 9.92% | |
| 5 years5.52% annualised | ₹6,00,000 | ₹6,92,331 | 15.39% |
Returns for 1 year and longer are annualised (CAGR); 6-month figures are absolute. Past returns are not a forecast.
How this is calculated
Each monthly instalment grows at the fund’s annualised return ÷ 12 per month until the end of the period, the same formula as our SIP calculator.
The amount compounds once a year at the fund’s CAGR for that period, the same formula as our lumpsum calculator.
Questions
Frequently asked questions
The things people ask about this scheme.