Uti Gilt Fund Datagrid
Category Gilt Fund
BMSMONEY Rank 7
Rating
Growth Option 27-01-2026
NAV ₹63.43(R) -0.15% ₹65.79(D) -0.15%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 3.95% 6.75% 5.17% 6.84% 7.34%
Direct 4.25% 7.04% 5.46% 7.14% 7.64%
Benchmark
SIP (XIRR) Regular 2.44% 5.87% 5.89% 5.46% 6.19%
Direct 2.76% 6.17% 6.18% 5.75% 6.49%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
0.38 0.16 0.53 -% -
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
2.95% -2.41% -2.91% - 2.24%
Fund AUM As on: 30/12/2025 559 Cr
Top Gilt Fund
Fund Name Rank Rating
Icici Prudential Gilt Fund 1
Baroda BNP Paribas Gilt Fund 2
Axis Gilt Fund 3
DSP Gilt Fund 4
Hdfc Gilt Fund 5

NAV Date: 27-01-2026

Scheme Name NAV Rupee Change Percent Change
UTI - GILT FUND -Discontinued PF Plan -Dividend Option 25.96
-0.0400
-0.1500%
UTI Gilt Fund - Direct Plan - IDCW 30.69
-0.0500
-0.1500%
UTI Gilt Fund - Regular Plan - IDCW 38.27
-0.0600
-0.1500%
UTI - GILT FUND - Discontinued PF Plan - Growth Option 47.16
-0.0700
-0.1500%
UTI - GILT FUND - Discontinued PF Plan Prescribed Date Auto Redemption Option 47.19
-0.0700
-0.1500%
UTI - GILT FUND - Regular Plan - Growth Option 63.43
-0.1000
-0.1500%
UTI - GILT FUND - Direct Plan - Growth Option 65.79
-0.1000
-0.1500%

Review Date: 27-01-2026

Beginning of Analysis

Uti Gilt Fund is the 7th ranked fund in the Gilt Fund category. The category has total 19 funds. The Uti Gilt Fund has shown a very good past performence in Gilt Fund. The fund has a Sharpe Ratio of 0.38 which is higher than the category average of 0.3.
The past performance of the fund may or may not be sustained in the future. The review is not investment advice nor is it a recommendation to buy or sell funds. The ranking is based on proprietary methodology developed by bmsmoney. The methodology is based on the past performance of the funds and does not guarantee future performance.
Gilt Mutual Funds are ideal for risk-averse investors seeking safety and stability in their debt portfolio. These funds are highly sensitive to interest rate changes and are best suited for long-term investors who can tolerate volatility. While they offer zero credit risk, their performance is closely tied to interest rate movements, making them less suitable for short-term goals. Investors should carefully assess their risk tolerance and investment horizon before investing in Gilt Funds. Additionally, choosing funds managed by experienced professionals can help navigate interest rate cycles effectively.

Uti Gilt Fund Return Analysis

  • The fund has given a return of -0.05%, 0.61 and 0.53 in last one, three and six months respectively. In the same period the category average return was -0.4%, -0.22% and -0.18% respectively.
  • Uti Gilt Fund has given a return of 4.25% in last one year. In the same period the Gilt Fund category average return was 3.46%.
  • The fund has given a return of 7.04% in last three years and ranked 11.0th out of 21 funds in the category. In the same period the Gilt Fund category average return was 7.03%.
  • The fund has given a return of 5.46% in last five years and ranked 10th out of 18 funds in the category. In the same period the Gilt Fund category average return was 5.59%.
  • The fund has given a return of 7.64% in last ten years and ranked 8th out of 16 funds in the category. In the same period the category average return was 7.67%.
  • The fund has given a SIP return of 2.76% in last one year whereas category average SIP return is 1.37%. The fund one year return rank in the category is 3rd in 21 funds
  • The fund has SIP return of 6.17% in last three years and ranks 7th in 21 funds. Icici Prudential Gilt Fund has given the highest SIP return (7.28%) in the category in last three years.
  • The fund has SIP return of 6.18% in last five years whereas category average SIP return is 6.15%.

Uti Gilt Fund Risk Analysis

  • The fund has a standard deviation of 2.95 and semi deviation of 2.24. The category average standard deviation is 3.11 and semi deviation is 2.31.
  • The fund has a Value at Risk (VaR) of -2.41 and a maximum drawdown of -2.91. The category average VaR is -2.93 and the maximum drawdown is -3.16.

Standard deviation measures the fund's return volatility and Semi deviation focuses on downside volatility. Value at Risk (VaR) is a measure of the risk of investments. Maximum Drawdown is the maximum loss from a peak to a trough of a portfolio. Beta measures the volatility of the fund compared to the benchmark. A beta of 1 indicates that the fund will move in line with the benchmark. A beta of more than 1 indicates that the fund will be more volatile than the benchmark and vice versa.


  • Very Good Performance in Gilt Fund Category
  • Good Performance in Gilt Fund Category
  • Poor Performance in Gilt Fund Category
  • Very Poor Performance in Gilt Fund Category

    • Investors beware: Mutual Fund investments are subject to market risks. Please read the scheme related documents carefully.

    Data Source: www.amfiindia.com

    SEBI Categorization


    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % -0.09
    -0.45
    		-0.95 | 0.03 4 | 21 Very Good
    3M Return % 0.52
    -0.39
    		-1.09 | 0.72 2 | 21 Very Good
    6M Return % 0.37
    -0.52
    		-1.76 | 1.12 4 | 21 Very Good
    1Y Return % 3.95
    2.77
    		0.64 | 5.96 4 | 21 Very Good
    3Y Return % 6.75
    6.32
    		5.34 | 7.62 7 | 21 Good
    5Y Return % 5.17
    4.90
    		4.10 | 6.08 6 | 18 Good
    7Y Return % 6.84
    6.61
    		5.69 | 7.62 7 | 18 Good
    10Y Return % 7.34
    6.97
    		5.90 | 8.05 6 | 16 Good
    15Y Return % 8.01
    7.47
    		6.47 | 8.49 4 | 14 Very Good
    1Y SIP Return % 2.44
    0.69
    		-1.44 | 3.73 3 | 21 Very Good
    3Y SIP Return % 5.87
    5.08
    		3.82 | 6.72 4 | 21 Very Good
    5Y SIP Return % 5.89
    5.47
    		4.40 | 6.74 5 | 18 Very Good
    7Y SIP Return % 5.46
    5.19
    		4.31 | 6.41 6 | 18 Good
    10Y SIP Return % 6.19
    5.91
    		5.09 | 6.97 6 | 16 Good
    15Y SIP Return % 7.27
    6.84
    		5.92 | 7.80 4 | 15 Very Good
    Standard Deviation 2.95
    3.11
    		1.92 | 4.06 7 | 21 Good
    Semi Deviation 2.24
    2.31
    		1.44 | 3.01 10 | 21 Good
    Max Drawdown % -2.91
    -3.16
    		-4.50 | -1.30 8 | 21 Good
    VaR 1 Y % -2.41
    -2.93
    		-5.78 | -0.83 8 | 21 Good
    Average Drawdown % -0.88
    -0.95
    		-2.79 | -0.60 11 | 21 Good
    Sharpe Ratio 0.38
    0.30
    		0.00 | 1.01 6 | 21 Very Good
    Sterling Ratio 0.53
    0.51
    		0.41 | 0.68 7 | 21 Good
    Sortino Ratio 0.16
    0.13
    		0.01 | 0.46 6 | 21 Very Good
    Return data last Updated On : Jan. 27, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Dec. 31, 2025
    KPIs: Key Performance Indicators

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    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % -0.05 -0.40 -0.91 | 0.08 4 | 21 Very Good
    3M Return % 0.61 -0.22 -0.97 | 0.86 3 | 21 Very Good
    6M Return % 0.53 -0.18 -1.53 | 1.40 4 | 21 Very Good
    1Y Return % 4.25 3.46 1.33 | 6.52 6 | 21 Very Good
    3Y Return % 7.04 7.03 6.11 | 8.19 11 | 21 Good
    5Y Return % 5.46 5.59 4.85 | 6.66 10 | 18 Good
    7Y Return % 7.14 7.30 6.22 | 8.19 10 | 18 Good
    10Y Return % 7.64 7.67 6.58 | 8.64 8 | 16 Good
    1Y SIP Return % 2.76 1.37 -0.98 | 4.28 3 | 21 Very Good
    3Y SIP Return % 6.17 5.80 4.52 | 7.28 7 | 21 Good
    5Y SIP Return % 6.18 6.15 5.16 | 7.31 10 | 18 Good
    7Y SIP Return % 5.75 5.87 5.07 | 6.98 11 | 18 Average
    10Y SIP Return % 6.49 6.59 5.67 | 7.55 9 | 16 Average
    Standard Deviation 2.95 3.11 1.92 | 4.06 7 | 21 Good
    Semi Deviation 2.24 2.31 1.44 | 3.01 10 | 21 Good
    Max Drawdown % -2.91 -3.16 -4.50 | -1.30 8 | 21 Good
    VaR 1 Y % -2.41 -2.93 -5.78 | -0.83 8 | 21 Good
    Average Drawdown % -0.88 -0.95 -2.79 | -0.60 11 | 21 Good
    Sharpe Ratio 0.38 0.30 0.00 | 1.01 6 | 21 Very Good
    Sterling Ratio 0.53 0.51 0.41 | 0.68 7 | 21 Good
    Sortino Ratio 0.16 0.13 0.01 | 0.46 6 | 21 Very Good
    Return data last Updated On : Jan. 27, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Dec. 31, 2025
    KPIs: Key Performance Indicators

    Disclaimer: Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments. Returns for periods above 1 year are annualised.


    Date Uti Gilt Fund NAV Regular Growth Uti Gilt Fund NAV Direct Growth
    27-01-2026 63.4307 65.7872
    23-01-2026 63.5288 65.8855
    22-01-2026 63.5557 65.9125
    21-01-2026 63.447 65.7991
    20-01-2026 63.3803 65.7291
    19-01-2026 63.3411 65.6876
    16-01-2026 63.3336 65.6776
    14-01-2026 63.4088 65.7541
    13-01-2026 63.4717 65.8186
    12-01-2026 63.5183 65.8662
    09-01-2026 63.4445 65.7873
    08-01-2026 63.4516 65.794
    07-01-2026 63.4717 65.814
    06-01-2026 63.4194 65.7591
    05-01-2026 63.3712 65.7083
    02-01-2026 63.445 65.7825
    01-01-2026 63.4836 65.8218
    31-12-2025 63.4544 65.7908
    30-12-2025 63.4746 65.8109
    29-12-2025 63.486 65.822

    Fund Launch Date: 14/Jan/2001
    Fund Category: Gilt Fund
    Investment Objective: The investment objective of the scheme is to generate credit risk-free return through investment in sovereign securities issued by the Central Government and / or a State Government and / or any security unconditionally guaranteed by the Central Government and / or a State Government for repayment of principal and interest. However there can be no assurance that the investment objective of the Scheme will be achieved. The Scheme does not guarantee / indicate any returns.
    Fund Description: UTI Gilt Fund is an open ended debt scheme investing in government securities across maturities.
    Fund Benchmark: CRISIL Dynamic Gilt
    Source: Fund FactSheet

    Disclaimer: NO INVESTMENT ADVICE. The Content is for informational purposes only.