| Investment Objective The primary objective of the scheme is to invest predominantly in debt and money market instruments and part of the portfolio into equity/equity related securities with a view to generating income and aim for capital appreciaton. However, there can be no assurance or guarantee that the investment objective of the scheme would be achieved. |
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| Date of inception/allotment |
16th December, 2003 | ||||||||
| Fund Manager |
Mr. Amit Premchandani - (Equity Portion) B.com, PGDM (IIM Indore), CA, CFA. Managing the scheme since Jan 2022. Total Exp: 17 Yrs Mr. Jaydeep Bhowal - (Debt Portion) B.com, C.A, PGDFM. Managing the scheme since Apr 2023 Total Exp: 16 Yrs |
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| Fund AUM/Folio as on 31st July, 2026 |
Fund Size Monthly Average : 1,664.77 Crore Closing AUM : 1,661.12 Crore No. of Folios : 40,041 |
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| High/Low NAV in the month |
High Growth Option : 71.1635 Low Growth Option : 70.6365 |
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Month-end Total Expense Ratio (%)* |
Regular : 1.84 Direct : 1.28 *For detailed YTD Total Expense Ratio refer to Click Here |
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Minimum Investment Amount |
Growth Plan: 5000/- Monthly IDCW Option: 25000/- Flexi IDCW Option: 5000/- |
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Plans/Options
(Regular / Direct) |
Growth Plan IDCW Option (Flexi/Monthly) with Payout and Reinvestment, Monthly payment plan. |
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Portfolio Parameters |
Weighted Average Maturity : 9.28 Yrs Yield to Maturity* : 7.57% Modified Duration : 4.79 Yrs Macaulay Duration : 5.08 Yrs Securitised Debt Average Maturity First Business Receivable Trust: 6.80 Yrs *Annualized Portfolio YTM – Yields of all securities are annualized |
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Load Structure |
Entry Load : Nil Exit Load : (A) Redemption / Switch out within 12 months from the date of allotment – (i) upto 10% of the allotted Units – NIL (ii) beyond 10% of the allotted Units - 1.00 % (B) Redemption / Switch out after 12 months from the date of allotment – NIL |
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NAV per unit as on 31st July, 2026 |
Regular Growth Option 71.0552 Regular IDCW Option 17.0052 Direct Growth Option 77.3711 Direct IDCW Option 19.3763 |
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Market Capitalisation (%) |
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Segregated AUM & NAV |
Segregated Fund Size Monthly Average : 0.0 Crore Closing AUM: 0.0 Crore Segregated NAV per unit as on 31st July, 2026 Growth : 0.0 |
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Benchmark Index |
NIFTY 50 Hybrid Composite Debt 15:85 Index | ||||||||
UTI Conservative Hybrid Fund (Erstwhile UTI Regular Savings Fund) - IDCW - Regular Plan |
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declared - Last 10 Months IDCW (Recent IDCWs) |
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Year |
IDCW |
Per unt |
NAV (Cum Div ) |
Face Value (per unit) |
NAV Date |
Record Date |
| 2022 | 0.80% | 0.08 | 15.7325 | 10 | 25-04-2022 | 02-05-2022 |
| 2022 | 0.80% | 0.08 | 15.3382 | 10 | 25-05-2022 | 01-06-2022 |
| 2022 | 0.80% | 0.08 | 15.1732 | 10 | 23-06-2022 | 01-07-2022 |
| 2022 | 0.80% | 0.08 | 15.5388 | 10 | 25-07-2022 | 01-08-2022 |
| 2022 | 0.80% | 0.08 | 15.7457 | 10 | 25-08-2022 | 01-09-2022 |
| 2022 | 0.80% | 0.08 | 15.5558 | 10 | 26-09-2022 | 03-10-2022 |
| 2022 | 0.80% | 0.08 | 15.7971 | 10 | 24-11-2022 | 01-12-2022 |
| 2022 | 0.80% | 0.08 | 15.6997 | 10 | 26-12-2022 | 02-01-2023 |
| 2023 | 0.80% | 0.08 | 15.6514 | 10 | 25-01-2023 | 01-02-2023 |
| 2023 | 0.80% | 0.08 | 15.5502 | 10 | 23-02-2023 | 01-03-2023 |
| 2023 | 0.80% | 0.08 | 15.3814 | 10 | 27-03-2023 | 03-04-2023 |
| 2023 | 0.80% | 0.08 | 15.5716 | 10 | 25-04-2023 | 02-05-2023 |
| 2023 | 0.80% | 0.08 | 15.8078 | 10 | 26-05-2023 | 01-06-2023 |
| 2023 | 0.80% | 0.08 | 15.5716 | 10 | 25-04-2023 | 02-05-2023 |
| 2023 | 0.80% | 0.08 | 16.0742 | 10 | 26-09-2023 | 03-10-2023 |
| 2023 | 0.80% | 0.08 | 15.8457 | 10 | 26-10-2023 | 01-11-2023 |
| 2023 | 0.80% | 0.08 | 16.1000 | 10 | 24-11-2023 | 01-12-2023 |
| 2023 | 0.80% | 0.08 | 16.1000 | 10 | 24-11-2023 | 01-12-2023 |
| 2023 | 12.00% | 1.20 | 40.7526 | 10 | 06-12-2023 | 12-12-2023 |
| 2023 | 0.80% | 0.08 | 16.4180 | 10 | 26-12-2023 | 01-01-2024 |
| 2024 | 0.80% | 0.08 | 16.4036 | 10 | 25-01-2024 | 01-02-2024 |
| 2024 | 0.80% | 0.08 | 16.6144 | 10 | 26-02-2024 | 01-03-2024 |
| 2024 | 0.80% | 0.08 | 16.5285 | 10 | 22-03-2024 | 02-04-2024 |
| 2024 | 0.80% | 0.08 | 16.6611 | 10 | 25-04-2024 | 02-05-2024 |
| 2024 | 0.80% | 0.08 | 16.8898 | 10 | 28-05-2024 | 03-06-2024 |
| 2024 | 0.80% | 0.08 | 17.2087 | 10 | 25-06-2024 | 01-07-2024 |
| 2024 | 0.80% | 0.08 | 17.4423 | 10 | 26-07-2024 | 01-08-2024 |
| 2024 | 0.80% | 0.08 | 17.5960 | 10 | 27-08-2024 | 02-09-2024 |
| 2024 | 0.80% | 0.08 | 17.8521 | 10 | 25-09-2024 | 01-10-2024 |
| 2024 | 0.80% | 0.08 | 17.5006 | 10 | 28-10-2024 | 04-11-2024 |
| 2024 | 0.80% | 0.08 | 17.4688 | 10 | 26-11-2024 | 02-12-2024 |
| 2024 | 0.80% | 0.08 | 17.3781 | 10 | 26-12-2024 | 01-01-2024 |
| 2025 | 0.80% | 0.08 | 17.1868 | 10 | 28-01-2025 | 03-02-2025 |
| 2025 | 0.80% | 0.08 | 17.0617 | 10 | 24-02-2025 | 03-03-2025 |
| 2025 | 0.80% | 0.08 | 17.2579 | 10 | 25-03-2025 | 02-04-2025 |
| 2025 | 0.80% | 0.08 | 17.5180 | 10 | 25-04-2025 | 02-05-2025 |
| 2025 | 0.80% | 0.08 | 17.7161 | 10 | 27-05-2025 | 02-06-2025 |
| 2025 | 0.80% | 0.08 | 17.6621 | 10 | 25-06-2025 | 01-07-2025 |
| 2025 | 0.80% | 0.08 | 17.5887 | 10 | 28-07-2025 | 01-08-2025 |
| 2025 | 0.80% | 0.08 | 17.4411 | 10 | 25-08-2025 | 01-09-2025 |
| 2025 | 0.80% | 0.08 | 17.4375 | 10 | 25-09-2025 | 01-10-2025 |
| 2025 | 0.80% | 0.08 | 17.5772 | 10 | 28-10-2025 | 03-11-2025 |
| 2025 | 0.80% | 0.08 | 17.5187 | 10 | 25-11-2025 | 01-12-2025 |
| 2025 | 0.80% | 0.08 | 17.5187 | 10 | 25-11-2025 | 01-12-2025 |
| 2025 | 14.00% | 1.40 | 45.9062 | 10 | 19-12-2025 | 26-12-2025 |
| 2025 | 0.80% | 0.0800 | 17.4371 | 10.00 | 26-12-2025 | 01-01-2026 |
| 2026 | 0.80% | 0.0800 | 17.1745 | 10.00 | 27-01-2026 | 02-02-2026 |
| 2026 | 0.80% | 0.0800 | 17.2213 | 10.00 | 24-02-2026 | 02-03-2026 |
| 2026 | 0.80% | 0.0800 | 16.6304 | 10.00 | 24-03-2026 | 02-04-2026 |
| 2026 | 0.80% | 0.0800 | 16.8815 | 10.00 | 27-04-2026 | 04-05-2026 |
| 2026 | 0.80% | 0.0800 | 16.7528 | 10.00 | 25-05-2026 | 01-06-2026 |
| 2026 | 0.80% | 0.0800 | 16.9624 | 10.00 | 24-06-2026 | 01-07-2026 |
| 2026 | 0.80% | 0.0800 | 16.9706 | 10.00 | 28-07-2026 | 03-08-2026 |
Disclaimer: Pursuant to payment of Dividend/Bonus, the Nav of the income distribution cum capital withdrawal options of the schemes would fall to the extent of payout and statutory levy (if applicable)
The Scheme IDCW details under regular plan.
| Financial Services | 32% |
| Automobile and Auto Components | 10% |
| Information Technology | 9% |
| Healthcare | 9% |
| Oil, Gas & Consumable Fuels | 7% |
(Main Portfolio) |
% of Nav |
Rating |
| Equity | ||
| HDFC Bank Ltd. | 2.05 | |
| ICICI Bank Ltd | 1.61 | |
| Bharti Airtel Ltd. | 1.12 | |
| Kotak Mahindra Bank Ltd. | 0.94 | |
| Axis Bank Ltd. | 0.89 | |
| Infosys Ltd. | 0.85 | |
| State Bank Of India | 0.83 | |
| Mahindra & Mahindra Ltd. | 0.83 | |
| Tech Mahindra Ltd | 0.63 | |
| Reliance Industries Ltd. | 0.62 | |
| Others | 14.34 | |
| Govt Securities | ||
| 6.90% GSEC MAT - 15/04/2065 | 3.58 | SOV |
| 7.74% WEST BENGAL SGS Mat - 18/02/2044 | 3.03 | SOV |
| 7.34% GSEC MAT- 22/04/2064 | 2.92 | SOV |
| 7.24% GSEC MAT- 18/08/2055 | 2.07 | SOV |
| 07.06% GSEC Mat- 27/07/2041 | 1.57 | SOV |
| 07.86% BIHAR SGS Mat - 11/02/2039 | 1.54 | SOV |
| 07.72% WESTBENGAL SGS Mat - 25/02/2041 | 1.52 | SOV |
| 06.36% GSEC Mat- 16/02/2031 | 1.50 | SOV |
| 7.08% A P SGL MAT - 26/03/2037 | 1.46 | SOV |
| 06.90% BIHAR SDL - 16/07/2035 | 1.45 | SOV |
| 06.80 TN SDL MAT 02/07/2035 | 1.45 | SOV |
| 6.68% GSEC MAT- 07/07/2040 | 0.88 | SOV |
| 7.88% UTTARPRADESH SGS 25/03/2046 | 0.61 | SOV |
| 06.94% GSEC Mat- 11/05/2036 | 0.61 | SOV |
| 07.81% UTTAR PRADESH SGS Mat - 11/02/2041 | 0.46 | SOV |
| 7.99% ANDHRA PRADESH SGS - 30/03/2040 | 0.31 | SOV |
| 7.88% HARYANA SGS - 30/03/2041 | 0.31 | SOV |
| 7.72% WESTBENGAL SGS Mat - 11/03/2044 | 0.22 | SOV |
| 06.48% GSEC Mat- 06/10/2035 | 0.19 | SOV |
| 7.04% GSEC MAT- 03/06/2029 | 0.12 | SOV |
| Long Term Debt | ||
| National Bank For Agriculture And Rural Development | 6.01 | CRISIL AAA |
| Small Industries Development Bank Of India | 5.96 | CRISIL AAA |
| HDFC Bank Ltd. | 3.02 | CRISIL AAA |
| LIC Housing Finance Ltd. | 3.01 | CRISIL AAA |
| Muthoot Finance Ltd | 3.01 | CRISIL AA+ |
| Bajaj Finance Ltd. | 3.01 | CRISIL AAA |
| Bajaj Housing Finance Ltd | 3.00 | CRISIL AAA |
| Jio Credit Ltd | 2.97 | CRISIL AAA |
| REC Ltd | 2.92 | CRISIL AAA |
| Power Finance Corporation Ltd. | 1.53 | CRISIL AAA |
| Export Import Bank Of India | 1.50 | CRISIL AAA |
| Cholamandalam Investment And Finance Company Ltd | 1.50 | ICRA AA+ |
| Torrent Pharmaceuticals Ltd. | 1.08 | ICRA AA+ |
| National Highways Authority Of India | 0.61 | CRISIL AAA |
| CP / CDs | ||
| Canara Bank | 1.45 | CRISIL A1+ |
| ICICI Bank Ltd | 1.44 | ICRA A1+ |
| Corporate Debt Market Development Fund | ||
| Corporate Debt Market Devt Fund - A2 Units | 0.30 | |
| Securitised Debt | ||
| Siddhivinayak Securitisation Trust | 2.96 | CRISIL AAA(SO) |
| Shivshakti Securitisation Trust | 1.47 | CRISIL AAA(SO) |
| Mutual Fund Units | ||
| UTI NIFTY 10 Yr Benchmark G-Sec ETF | 0.12 | |
| UTI NIFTY 5 Yr Benchmark G-Sec ETF | 0.12 | |
| Net Current assets | 2.49 | |
| Total | 100.00 |
Date |
Main Portfolio |
Segregated Portfolio |
14-02-2020 |
41.6229 |
NA |
17-02-2020 |
40.5238 |
0.3570 |
Reduction in NAV(%) |
-2.64% |
Portfolio |
% of NAV |
Rating |
Vodafone Idea Ltd |
0* |
CARE-B- |
Net Current Assets |
0* |
|
| * Percentage to NAV Less Than 0.01 |
Median Market Cap ( Cr) |
2,62,617 |
Weighted Average Market Cap |
4,33,607 |
Number of Securities |
62 |
All figures given are provisional and unaudited. |
Fund |
Benchmark |
|
Beta |
1.35 |
1 |
Standard Deviation (Annual) |
3.86% |
2.70% |
Sharpe ratio |
0.63 |
|
Portfolio Turnover Ratio (Annual) |
0.25 |
| Fund Performance Vs Benchmark (CAGR) as on 31st July, 2026 Growth of 10000 |
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| Period | NAV Growth (%) |
NIFTY 50 Hybrid Composite Debt 15:85 Index TRI (%) |
CRISIL 10 Year Gilt Index (%) |
NAV Growth () |
NIFTY 50 Hybrid Composite Debt 15:85 Index TRI () |
CRISIL 10 Year Gilt Index () |
| 1 Y | 2.24 | 2.03 | 2.27 | 10,224 | 10,203 | 10,227 |
| 3 Y | 7.82 | 6.73 | 6.78 | 12,537 | 12,160 | 12,177 |
| 5 Y | 7.94 | 6.49 | 5.34 | 14,656 | 13,697 | 12,973 |
| 10 Y | 7.53 | 7.83 | 5.92 | 20,676 | 21,261 | 17,779 |
| SI* | 9.05 | 8.18 | 5.71 | 71,086 | 59,297 | 35,152 |
Past performance may or may not be sustained in future. Different plans have a different expense structure. The performance details provided herein are of regular plan. *Compounded annualized Growth Rate. The current fund manager is managing the scheme since Jan 2022 & Co- Fund Manager managing Scheme since Apr 2023. Schemes Managed by Mr. Amit Premchandani & Mr. Jaydeep Bhowal. *The Scheme returns are inclusive of the impact of segregation of the portfolio Debt instruments of Vodafone Idea Ltd. have been segregated from the Main Portfolio on 17th Feb, 2020. Load is not taken into consideration for computation of performance.
| Period | |||||||
|
Investment Amount ()
|
Fund Value
() |
NIFTY 50 Hybrid
Composite Debt 15:85 Index TRI () |
CRISIL 10 Year
Gilt Index () |
Yield (%) Fund
|
Yield (%) NIFTY 50 Hybrid
Composite Debt 15:85 Index TRI |
Yield (%)
CRISIL 10 Year Gilt Index |
|
| 1 Y | 1,20,000 | 1,22,413 | 1,21,997 | 1,22,592 | 3.77 | 3.12 | 4.05 |
| 3 Y | 3,60,000 | 3,92,391 | 3,89,855 | 3,93,081 | 5.69 | 5.25 | 5.80 |
| 5 Y | 6,00,000 | 7,18,162 | 7,03,421 | 7,02,072 | 7.13 | 6.30 | 6.23 |
| 7 Y | 8,40,000 | 11,21,782 | 10,71,036 | 10,27,302 | 8.14 | 6.84 | 5.67 |
| 10 Y | 12,00,000 | 17,89,640 | 17,59,890 | 16,20,422 | 7.76 | 7.44 | 5.86 |
| 15 Y | 18,00,000 | 34,69,528 | 34,19,408 | 29,58,852 | 8.25 | 8.08 | 6.32 |
| SI | 26,00,000 | 72,55,601 | 69,93,257 | 54,56,808 | 8.59 | 8.30 | 6.34 |
Note: Systematic Investment Plan (SIP) returns are worked out assuming investment of 10,000/- every month at NAV per unit of the scheme as on the first working day for the respective time periods. The loads have not been taken into account. Past performance may or may not be sustained in future.
# The fund may invest up to 50% of its debt portfolio in securitized debt.
This product is suitable for investors who are seeking*:
- Long-term capital appreciation and regular income over medium-term
- Investment in equity instruments (maximum 25%) and fixed income securities (debt and money market securities)
*Investors should consult their financial advisers if in doubt about whether the product is suitable for them.