Debt Funds

Debt Funds are a type of mutual fund schemes that invests primarily in fixed income securities, which tend to provide regular interest income and reflect relatively lower volatility than other asset classes. Debt Funds can further be classified into different sub-categories as Overnight and Liquid Funds, Gilt Funds, Duration Funds, Credit Opportunities Funds.

Filters
  • All Schemes (58)
  • Equity (20)
  • ETF (6)
  • Debt (19)
  • Overnight & Liquid (2)
  • Solution based (4)
  • Hybrid (7)
UTI Banking & PSU Debt Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
₹ 17.9678 as of Oct 06, 2022
Debt - Banking & PSU Debt Fund
9.94 %
7.11 %
UTI Bond Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
₹ 59.8338 as of Oct 06, 2022
Debt - Medium to Long Duration Fund
17.06 %
5.91 %
A segregated portfolio has been created for Vodafone Idea Ltd. in UTI Bond Fund. The performance of the scheme is affected to the extent of the segregated portfolio.
Risk Metric:
Inception Date:
Investment Purpose:
₹ 6.8146 as of Jan 27, 2022
None
N/A
N/A
UTI Corporate Bond Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
₹ 13.3864 as of Oct 06, 2022
Open-ended Debt Scheme
2.66 %
6.44 %
UTI Credit Risk Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
₹ 14.0186 as of Oct 06, 2022
Debt - Credit Risk Fund
19.93 %
-5.14 %
A segregated portfolio has been created for Altico Capital India Ltd, Vodafone Idea Ltd., Yes Bank Ltd. and Zee Learn Ltd.in UTI Credit Risk Fund. The performance of the scheme is affected to the extent of segregated portfolio. The entire proceeds of Rs. 40.80 Crores have been recovered from Zee Learn Limited on July 14, 2020 and same has been distributed to investors on July 15, 2020.
Risk Metric:
Inception Date:
Investment Purpose:
₹ 0.0000 as of Oct 06, 2022
None
N/A
N/A
Risk Metric:
Inception Date:
Investment Purpose:
₹ 0.0000 as of Mar 10, 2022
None
-19.19 %
N/A
Risk Metric:
Inception Date:
Investment Purpose:
₹ 2.4018 as of Jan 31, 2022
None
N/A
N/A
UTI Dynamic Bond Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
₹ 25.4356 as of Oct 06, 2022
Debt - Dynamic Bond Fund
19.14 %
8.5 %
A segregated portfolio has been created for Vodafone Idea Ltd. in UTI Dynamic Bond Fund. The performance of the scheme is affected to the extent of the segregated portfolio.
Risk Metric:
Inception Date:
Investment Purpose:
₹ 1.2708 as of Jan 27, 2022
None
N/A
N/A
UTI Floater Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
₹ 1242.6308 as of Oct 06, 2022
Open-ended Debt Scheme
2.7 %
4.84 %
UTI Gilt Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
₹ 51.1465 as of Oct 06, 2022
Debt - Gilt Fund
1.81 %
4.85 %
Risk Metric:
Inception Date:
Investment Purpose:
₹ 10.0397 as of Oct 06, 2022
Debt - Gilt Fund
N/A
N/A
UTI Medium Term Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
₹ 15.0543 as of Oct 06, 2022
Debt - Medium Term Fund
5.06 %
2.92 %
A segregated portfolio has been created for Vodafone Idea Ltd., Yes Bank Ltd. and Zee Learn Ltd.in UTI Medium Term Fund. The performance of the scheme is affected to the extent of segregated portfolio. The entire proceeds of Rs. 3.40 Crores have been recovered from Zee Learn Limited on July 14, 2020 and same has been distributed to investors on July 15, 2020.
Risk Metric:
Inception Date:
Investment Purpose:
₹ 0.3488 as of Jan 27, 2022
None
N/A
N/A
UTI Money Market Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
₹ 2522.9423 as of Oct 06, 2022
Debt - Money Market Fund
4.02 %
4.92 %
UTI Short Term Income Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
₹ 25.9647 as of Oct 06, 2022
Debt - Short Duration Fund
7.72 %
7.83 %
UTI Treasury Advantage Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
₹ 2912.7656 as of Oct 06, 2022
Debt - Low Duration Fund
8.7 %
7.07 %
UTI Ultra Short Term Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
₹ 3527.5740 as of Oct 06, 2022
Debt - Ultra Short Duration Fund
6.24 %
5.49 %
UTI Banking & PSU Debt Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
Debt - Banking & PSU Debt Fund
₹ 17.9678
9.94 %
7.11 %
UTI Bond Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
Debt - Medium to Long Duration Fund
₹ 59.8338
17.06 %
5.91 %
Risk Metric:
Inception Date:
Investment Purpose:
None
₹ 6.8146
N/A
N/A
UTI Corporate Bond Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
Open-ended Debt Scheme
₹ 13.3864
2.66 %
6.44 %
UTI Credit Risk Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
Debt - Credit Risk Fund
₹ 14.0186
19.93 %
-5.14 %
Risk Metric:
Inception Date:
Investment Purpose:
None
₹ 0.0000
N/A
N/A
Risk Metric:
Inception Date:
Investment Purpose:
None
₹ 0.0000
-19.19 %
N/A
Risk Metric:
Inception Date:
Investment Purpose:
None
₹ 2.4018
N/A
N/A
UTI Dynamic Bond Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
Debt - Dynamic Bond Fund
₹ 25.4356
19.14 %
8.5 %
Risk Metric:
Inception Date:
Investment Purpose:
None
₹ 1.2708
N/A
N/A
UTI Floater Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
Open-ended Debt Scheme
₹ 1242.6308
2.7 %
4.84 %
UTI Gilt Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
Debt - Gilt Fund
₹ 51.1465
1.81 %
4.85 %
Risk Metric:
Inception Date:
Investment Purpose:
Debt - Gilt Fund
₹ 10.0397
N/A
N/A
UTI Medium Term Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
Debt - Medium Term Fund
₹ 15.0543
5.06 %
2.92 %
Risk Metric:
Inception Date:
Investment Purpose:
None
₹ 0.3488
N/A
N/A
UTI Money Market Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
Debt - Money Market Fund
₹ 2522.9423
4.02 %
4.92 %
UTI Short Term Income Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
Debt - Short Duration Fund
₹ 25.9647
7.72 %
7.83 %
UTI Treasury Advantage Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
Debt - Low Duration Fund
₹ 2912.7656
8.7 %
7.07 %
UTI Ultra Short Term Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
Debt - Ultra Short Duration Fund
₹ 3527.5740
6.24 %
5.49 %
Frequently asked questions

How to invest in Debt Funds?

The process of investing in debt fund scheme is the same as that for investing in any other mutual fund scheme. As such, one can invest in debt fund scheme through the website/ mobile application of the mutual fund house or physically submitting the application form at Official Points of Acceptance (POA). The investment transaction is processed at the NAV (Net Asset Value), which is disclosed by mutual funds on each business day.

What are the Benefits of investing in Debt Funds?

Stability of Income - The regular interest from investment in debt securities provides a stability of income for the investment portfolio.

Wide choice of funds - Investors enjoy the luxury to choose from a wide basket of debt funds, suiting different time horizons and risk profiles.

Convenience of Investing - Investments in debt funds can be made in lump sum or through Systematic Investment Plans (SIPs).

How do Debt Funds Work?

Debt Funds may generate income for investors through the following three modes:

Accrual Income This represents the accrual of interest income on debt securities in which the fund has invested. It gets factored in the valuation and NAV (Net Asset Value) daily.

Interest Rate Movements The valuation of debt securities gets impacted when the market interest rates change. If the interest rates fall, the valuations of such securities increase.

Movements in Credit Spreads Credit spreads refer to the risk premium, which the investors expect from an issuer company depending upon the expected credit risk (i.e., risk of default). As such, the improvement in credit risk for a particular issuer company results in the moderation of the credit spreads, leading to lower interest rates for the company.

Who Should Invest in Debt Funds?

Debt Funds create a portfolio of fixed income securities predominantly. Such funds, thus, may generate reasonable returns coupled with a stable portfolio. As such, the investors with reasonable return expectations and conservative to moderate risk profile may consider investing in debt fund schemes.

Taxation of Debt Funds

The taxation of debt funds is summarised as below:

Particulars Period of Holding Tax rate

Capital Gains

Short Term Capital Gains (STCG)

Long Term Capital Gains(LTCG)

 

Less than 36 months

36 months or more

 

Regular tax rates applicable to the investor

20% with indexation benefit

Dividend Income Not applicable Regular tax rates applicable to the investor

If an investor receives a dividend of more than Rs. 5,000 in a year from the mutual fund, TDS @ 10% of such dividend income is also deducted by the mutual fund.

Disclaimers:

The information set out above is included for general information purposes only and is not exhaustive and does not constitute legal or tax advice. In view of the individual nature of the tax consequences, each investor is advised to consult his or her or their own tax consultant with respect to specific tax implications arising out of their participation in the Scheme. Income Tax benefits to the mutual fund & to the unit holder is in accordance with the prevailing tax laws/finance bill 2020. Any action taken by you on the basis of the information contained herein is not intended as on offer or solicitation for the purchase and sales of any schemes of UTI mutual Fund. Please read the full details provided in SID and SIA carefully before taking any decision.

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