UTI Medium to Long Term Fund
- NAV as on 9 Nov 2026
- ₹76.27-0.03%1 day
- Return since launch
- 7.4%
- 52-week range
- ₹73.66 — ₹76.57
- AUM
- ₹303 Cr
UTI Medium to Long Term Fund is a Medium to Long Duration debt fund from UTI Mutual Fund with ₹303 Cr under management, launched in 1998. Over three years it has returned 4.6% a year, against 6.0% for its category. The expense ratio is 1.64% and the SEBI riskometer reading is Moderately High.
Performance
UTI Medium to Long Term Fund NAV and returns
Growth of the fund against its category average over the period you pick.
Over 1Y this fund returned +2.6% against +3.0% for its category.
Performance
Returns
How the fund has done against its category and its benchmark.
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1Y | 3.2% | +0.1 pts | 3.1% | 3.4% |
| 2Y | 3.5% | −0.2 pts | 3.7% | 3.7% |
| 3Y | 4.6% | −1.4 pts | 6.0% | 4.6% |
| 5Y | 5.7% | +0.6 pts | 5.1% | 5.3% |
| 7Y | 6.5% | +1.2 pts | 5.3% | 5.2% |
| 10Y | 5.5% | +0.1 pts | 5.4% | 5.5% |
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1M | 0.7% | −0.2 pts | 0.9% | 0.9% |
| 3M | -0.3% | +0.1 pts | -0.4% | -0.4% |
| 6M | 2.4% | −0.1 pts | 2.5% | 2.5% |
| 1Y | 2.6% | −0.5 pts | 3.1% | 3.0% |
| 2Y | 4.5% | −0.1 pts | 4.6% | 4.5% |
| 3Y | 6.0% | 0.0 pts | 6.0% | 6.0% |
| 5Y | 6.5% | +1.4 pts | 5.1% | 4.9% |
| 7Y | 6.3% | +0.7 pts | 5.6% | 5.5% |
| 10Y | 4.7% | −0.8 pts | 5.4% | 5.6% |
Since launch (4 May 1998): 7.4%
Calendar-year returns
Category averageShow as a table
| Period | Fund | vs category | Category |
|---|---|---|---|
| 2025 | 5.6% | −0.7 pts | 6.3% |
| 2024 | 8.4% | −0.6 pts | 9.0% |
| 2023 | 6.4% | −0.9 pts | 7.3% |
| 2022 | 9.9% | +6.5 pts | 3.4% |
| 2021 | 9.4% | +5.9 pts | 3.5% |
| 2020 | 1.1% | −9.8 pts | 10.8% |
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
1.64%
Expense ratio as on 6 Nov 2026
Charged yearly and already deducted from the NAV.
- Base expense
- 1.41%
- Brokerage
- 0.00%
- Transaction charges
- 0.00%
- Statutory levies
- 0.23%
- Exit load
- Exit load of 3% if redeemed before 3 months, 2% if redeemed within 3 months but before 6 months, 1% if redeemed within 6 months but before 1 year.
- Lock-in
- None
Terms
- Min SIP
- ₹3,000
- Min lumpsum
- ₹5,000
- Plan
- GROWTH
- Fund type
- OPEN-ENDED
- Benchmark
- CRISIL Medium to Long Duration Debt A-III Index
Risk
Risk
What the riskometer means for this fund, and how its ratios sit against the category.
Your principal is treated as being at moderately high risk — typically balanced hybrid and index-led equity 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 | 0.06 | 0.12 | Return earned for each unit of total risk taken. Higher is better. |
| Sortino | 0.08 | 0.17 | Return earned for each unit of downside risk. Higher is better. |
| Std. deviation | 2.56 | 2.71 | How widely monthly returns have varied around their own average. Lower is steadier. |
| Average of 5 category peers | |||
Portfolio
UTI Medium to Long Term Fund portfolio
Portfolio as of 30 Sep 2026
Asset allocation
- Debt96.8%
- Other3.2%
Top holdings
| Holding | Sector | Weight | Value | 3M chg | 6M chg | 1Y chg |
|---|---|---|---|---|---|---|
| Summit Digitel Infrastructure Pvt. Ltd. | Communication | 8.18% | ₹24.81 Cr | +8.24% | — | — |
| Bajaj Housing Finance Ltd. | Financial | 8.10% | ₹24.57 Cr | +8.16% | — | — |
| Andhra Pradesh State | Financial | 7.75% | ₹23.53 Cr | +7.94% | +7.87% | +7.61% |
| Siddhivinayak Securitisation Trust | Others | 6.30% | ₹19.11 Cr | +6.49% | +6.56% | +6.22% |
| JTPM Metal Traders Ltd. | Metals & Mining | 5.69% | ₹17.27 Cr | +5.99% | — | — |
| Piramal Finance Ltd. | Financial | 4.96% | ₹15.05 Cr | +4.97% | +5.02% | — |
| Aditya Birla Renewables Ltd. | Energy | 4.94% | ₹15.00 Cr | +4.95% | +5.01% | +4.73% |
| Torrent Pharmaceuticals Ltd. | Healthcare | 4.89% | ₹14.83 Cr | +4.92% | +4.95% | — |
| GOI | Sovereign | 4.69% | ₹14.24 Cr | +4.89% | +4.71% | +37.11% |
| India Universal Trust AL1 | Others | 4.14% | ₹12.57 Cr | +4.33% | +4.48% | +4.39% |
| Others | Others | 3.76% | ₹11.41 Cr | +0.95% | +0.95% | +0.86% |
| Rajasthan State | Others | 3.32% | ₹10.06 Cr | +3.40% | +3.35% | +1.60% |
| Mankind Pharma Ltd. | Healthcare | 3.30% | ₹10.00 Cr | +1.66% | +1.67% | +1.57% |
| Tamilnadu State | Others | 3.22% | ₹9.78 Cr | +3.31% | +3.29% | — |
| West Bengal State | Others | 3.05% | ₹9.25 Cr | +3.12% | +6.34% | — |
| Poonawalla Fincorp Ltd. | Financial | 2.29% | ₹6.94 Cr | +2.29% | +2.32% | — |
| Maharashtra State | Others | 1.66% | ₹5.02 Cr | +1.68% | +1.69% | +1.60% |
| Bharti Telecom Ltd. | Communication | 1.63% | ₹4.95 Cr | +1.63% | +1.65% | — |
| Muthoot Finance Ltd. | Financial | 0.65% | ₹1.96 Cr | +5.55% | +5.94% | — |
| National Housing Bank | Financial | 0.16% | ₹0.50 Cr | — | — | — |
| REC Ltd. | Financial | 0.16% | ₹0.50 Cr | — | — | — |
| Madhya Pradesh State | Others | 0.06% | ₹0.20 Cr | +0.07% | +1.05% | — |
Sectors
Instruments
Recent changes
| Holding | From | To | Weight |
|---|---|---|---|
| Mankind Pharma Ltd. | 1.64% | 3.30% | +1.65% |
| JTPM Metal Traders Ltd. | 6.01% | 5.69% | -0.32% |
| National Housing Bank | 0.00% | 0.16% | +0.16% |
| REC Ltd. | 0.00% | 0.16% | +0.16% |
| Siddhivinayak Securitisation Trust | 6.41% | 6.30% | -0.11% |
| Andhra Pradesh State | 7.86% | 7.75% | -0.10% |
| West Bengal State | 3.09% | 3.05% | -0.04% |
| India Universal Trust AL1 | 4.19% | 4.14% | -0.04% |
| GOI | 4.73% | 4.69% | -0.04% |
| Rajasthan State | 3.35% | 3.32% | -0.04% |
| Tamilnadu State | 3.26% | 3.22% | -0.03% |
| Piramal Finance Ltd. | 4.94% | 4.96% | +0.02% |
| Summit Digitel Infrastructure Pvt. Ltd. | 8.16% | 8.18% | +0.02% |
| Aditya Birla Renewables Ltd. | 4.93% | 4.94% | +0.02% |
| Maharashtra State | 1.67% | 1.66% | -0.01% |
| Bajaj Housing Finance Ltd. | 8.09% | 8.10% | +0.01% |
| Poonawalla Fincorp Ltd. | 2.28% | 2.29% | +0.01% |
| Bharti Telecom Ltd. | 1.62% | 1.63% | +0.01% |
| Torrent Pharmaceuticals Ltd. | 4.88% | 4.89% | +0.01% |
| Others | 0.32% | 0.32% | 0.00% |
| Muthoot Finance Ltd. | 0.65% | 0.65% | 0.00% |
| Madhya Pradesh State | 0.07% | 0.06% | 0.00% |
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 | ₹974 Cr | 1.30% | 4.1% | 5.0% | 5.7% |
 SBI Medium to Long Term Fund | ₹1,995 Cr | 1.48% | 4.0% | 5.0% | 5.8% |
 ICICI Prudential Medium to Long Term Fund | ₹1,977 Cr | 1.00% | 3.4% | 5.2% | 6.0% |
 Bandhan Medium to Long Term Fund | ₹425 Cr | 1.94% | 4.6% | 4.9% | 5.3% |
 Nippon India Medium to Long Term Fund | ₹297 Cr | 1.44% | 4.0% | 4.6% | 5.4% |
 LIC MF Medium to Long Term Fund | ₹173 Cr | 0.62% | 4.4% | 5.4% | 6.0% |
About
About this fund
The scheme’s own words, its benchmark and the people running it.
Investment objective
The scheme seeks to generate optimal returns with adequate liquidity by investing in debt and money market instruments such that the Macaulay duration of the portfolio is between 4 years and 7 years.
Fund managers
- Amit SharmaMr. Sharma is a B.Com, CA, FRMHe has been associated with the Dept. of Fund Management of UTI for the past 5 years.
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 months2.36% absolute | ₹60,000 | ₹61,416 | 2.36% | |
| 1 year2.61% annualised | ₹1,20,000 | ₹1,21,710 | 1.43% | |
| 3 years6.02% annualised | ₹3,60,000 | ₹3,95,453 | 9.85% | |
| 5 years6.55% annualised | ₹6,00,000 | ₹7,11,514 | 18.59% |
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.