UTI Mutual Fund Debt Fund - Regular Plan - Growth

UTI Mutual Fund Debt Fund - Regular Plan - Growth investment objective and strategy

UTI Mutual Fund Debt Fund - Regular Plan - Growth ka objective hai investors ko steady income generate karna, saath hi capital preservation bhi karna. Ye fund debt instruments mein invest karta hai, jaise ki government securities aur corporate bonds, jo ki fixed income provide karte hain. Iska investment style conservative hai, jo moderate risk tolerance wale investors ke liye suitable hai. Agar aapko capital stability aur regular income chahiye, toh ye fund aapke liye sahi choice ho sakta hai. Is fund ke liye ideal investors wo hain jo long-term wealth creation aur stable returns ki talash mein hain, bina zyada risk liye. Chaliye, ab is fund ke returns aur performance par nazar daalte hain.

UTI Mutual Fund Debt Fund - Regular Plan - Growth returns analysis 2026

Chaliye, ab is fund ke returns ko benchmark se compare karte hain. UTI Mutual Fund Debt Fund - Regular Plan - Growth ne 1 saal mein 1.38% ka return diya hai. 3 saal ki baat karein toh isne 11.31% ka return generate kiya, aur 5 saal mein 10.05% ka return diya. Yahan ek simple table hai jo fund returns ko benchmark returns se compare karta hai:

Time Period	UTI Mutual Fund Debt Fund - Regular Plan - Growth Returns	Benchmark (CRISIL Composite Bond Fund Index)
1 Year	1.38%	Data not available
3 Years	11.31%	Data not available
5 Years	10.05%	Data not available

In returns ko dekhte hue, ye fund consistency ke liye jaana jaata hai, aur iski volatility bhi moderate hai. Fund manager V. Srivatsa, jo 3.5 saal se is fund ko manage kar rahe hain, unka experience iske returns par positive impact dalta hai. Investors jo sip investing ke through long-term returns ki talash mein hain, wo is fund ko consider kar sakte hain.

UTI Mutual Fund Debt Fund - Regular Plan - Growth portfolio breakdown for investors

Is fund ke top holdings ko dekhein toh humein kuch interesting insights milte hain. UTI Mutual Fund Debt Fund - Regular Plan - Growth ke top 5 holdings hain: 1. National Bank For Agriculture And Rural Development - 5.8% 2. Power Finance Corporation Ltd. - 5.2% 3. Rural Electrification Corporation Ltd. - 4.9% 4. 7.26% GOI 2032 - 4.5% 5. State Bank of India - 4.1% Sector allocation mein yeh fund government bonds aur public sector undertakings par focus kar raha hai, jo ki stable aur secure returns provide karte hain. Ye fund ki strategy se align karta hai kyunki ye capital safety aur regular income ki taraf zyada dhyan deta hai. Iski holdings se pata chalta hai ki ye fund kaafi diversified hai, jo risk ko manage karne mein madad karta hai.

UTI Mutual Fund Debt Fund - Regular Plan - Growth risk analysis and volatility

Is fund ka riskometer moderate hai, jo ki ise un investors ke liye suitable banata hai jinhe moderate risk tolerance hai. Volatility bhi comparatively low hai, jo ki debt funds ke liye ek acchi baat hai. Iska expense ratio 1.05% hai, jo ki industry standard ke aas paas hai. Agar aap risk aur return ke aspect ko samjhein, toh ye fund un investors ke liye ideal hai jo high growth mutual funds se door rehna chahte hain aur stable, fixed income chahte hain. Aap kisi bhi fund mein invest karne se pehle apne risk profile ko samajhna zaroori hai.

UTI Mutual Fund Debt Fund - Regular Plan - Growth – fayde aur nuksan

• Pros:
  • Steady and consistent returns
  • Moderate risk profile
  • Good for income-oriented investors
  • Diversified holdings reduce risk
• Cons:
  • Lower returns during high market growth
  • Expense ratio of 1.05% can reduce net returns
  • Not suitable for aggressive investors