Uti Gilt Fund Datagrid
Category Gilt Fund
BMSMONEY Rank 4
Rating
Growth Option 01-10-2026
NAV ₹65.42(R) -0.09% ₹68.03(D) -0.09%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 4.1% 6.18% 5.32% 5.71% 6.53%
Direct 4.48% 6.5% 5.62% 6.01% 6.82%
Benchmark
SIP (XIRR) Regular -12.18% -0.71% 3.0% 2.99% 4.3%
Direct -11.85% -0.38% 3.32% 3.29% 4.61%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
0.3 0.13 0.53 -% -
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
3.13% -3.67% -2.91% - 2.38%
Fund AUM As on: 30/12/2025 559 Cr
Top Gilt Fund
Fund Name Rank Rating
Bandhan Gilt Fund 1
ICICI Prudential Gilt Fund 2
Axis Gilt Fund 3
UTI Gilt Fund 4
DSP Gilt Fund 5

NAV Date: 01-10-2026

Scheme Name NAV Rupee Change Percent Change
UTI - GILT FUND -Discontinued PF Plan -Dividend Option 26.77
-0.0200
-0.0900%
UTI Gilt Fund - Direct Plan - IDCW 31.48
-0.0300
-0.0900%
UTI Gilt Fund - Regular Plan - IDCW 39.22
-0.0300
-0.0900%
UTI - GILT FUND - Discontinued PF Plan - Growth Option 48.65
-0.0400
-0.0900%
UTI - GILT FUND - Discontinued PF Plan Prescribed Date Auto Redemption Option 48.67
-0.0400
-0.0900%
UTI - GILT FUND - Regular Plan - Growth Option 65.42
-0.0600
-0.0900%
UTI - GILT FUND - Direct Plan - Growth Option 68.03
-0.0600
-0.0900%

Review Date: 01-10-2026

Beginning of Analysis

UTI Gilt Fund is the 7th ranked fund in the Gilt Fund category. The category has total 19 funds. The 4 star rating shows a very good past performance of the UTI Gilt Fund in Gilt Fund. The fund has a Sharpe Ratio of 0.3 which is higher than the category average of 0.12.
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

  • UTI Gilt Fund has given a return of 4.48% in last one year. In the same period the Gilt Fund category average return was 2.62%.
  • The fund has given a return of 6.5% in last three years and ranked 6.0th out of twenty one funds in the category. In the same period the Gilt Fund category average return was 6.21%.
  • The fund has given a return of 5.62% in last five years and ranked 7th out of eighteen funds in the category. In the same period the Gilt Fund category average return was 5.59%.
  • The fund has given a return of 6.82% in last ten years and ranked 6th out of seventeen funds in the category. In the same period the category average return was 6.64%.
  • The fund has given a SIP return of -11.85% in last one year whereas category average SIP return is -12.57%. The fund one year return rank in the category is 5th in 23 funds
  • The fund has SIP return of -0.38% in last three years and ranks 5th in 21 funds. Bandhan Gilt Fund has given the highest SIP return (1.26%) in the category in last three years.
  • The fund has SIP return of 3.32% in last five years whereas category average SIP return is 3.04%.

UTI Gilt Fund Risk Analysis

  • The fund has a standard deviation of 3.13 and semi deviation of 2.38. The category average standard deviation is 3.81 and semi deviation is 2.8.
  • The fund has a Value at Risk (VaR) of -3.67 and a maximum drawdown of -2.91. The category average VaR is -5.38 and the maximum drawdown is -3.5.

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 % -0.41
    -0.56
    		-1.39 | 0.19 8 | 23 Good
    3M Return % -0.35
    -1.08
    		-2.31 | 0.50 4 | 23 Very Good
    1Y Return % 4.10
    1.92
    		-0.45 | 6.76 3 | 23 Very Good
    3Y Return % 6.18
    5.50
    		4.44 | 7.38 3 | 21 Very Good
    5Y Return % 5.32
    4.91
    		4.19 | 5.76 5 | 18 Very Good
    7Y Return % 5.71
    5.53
    		4.67 | 6.60 6 | 18 Good
    10Y Return % 6.53
    5.94
    		4.86 | 7.02 5 | 17 Very Good
    15Y Return % 7.88
    7.37
    		6.35 | 8.47 5 | 14 Good
    1Y SIP Return % -12.18
    -13.19
    		-15.04 | -8.70 4 | 23 Very Good
    3Y SIP Return % -0.71
    -1.78
    		-3.33 | 0.61 3 | 21 Very Good
    5Y SIP Return % 3.00
    2.36
    		1.44 | 3.86 4 | 18 Very Good
    7Y SIP Return % 2.99
    2.54
    		1.79 | 3.65 5 | 18 Very Good
    10Y SIP Return % 4.30
    3.94
    		3.28 | 5.05 6 | 17 Good
    15Y SIP Return % 5.38
    5.08
    		4.29 | 6.07 5 | 15 Good
    Standard Deviation 3.13
    3.81
    		2.50 | 5.02 4 | 21 Very Good
    Semi Deviation 2.38
    2.80
    		1.93 | 3.79 5 | 21 Very Good
    Max Drawdown % -2.91
    -3.50
    		-5.92 | -2.09 7 | 21 Good
    VaR 1 Y % -3.67
    -5.38
    		-7.69 | -1.79 4 | 21 Very Good
    Average Drawdown % 0.89
    1.22
    		0.89 | 2.41 21 | 21 Poor
    Sharpe Ratio 0.30
    0.12
    		-0.15 | 0.53 4 | 21 Very Good
    Sterling Ratio 0.53
    0.47
    		0.35 | 0.61 5 | 21 Very Good
    Sortino Ratio 0.13
    0.06
    		-0.05 | 0.23 4 | 21 Very Good
    Return data last Updated On : Oct. 1, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : June 30, 2026
    KPIs: Key Performance Indicators

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    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % -0.38 -0.50 -1.30 | 0.24 9 | 23 Good
    3M Return % -0.26 -0.91 -2.21 | 0.65 4 | 23 Very Good
    1Y Return % 4.48 2.62 -0.01 | 7.42 3 | 23 Very Good
    3Y Return % 6.50 6.21 4.91 | 8.06 6 | 21 Very Good
    5Y Return % 5.62 5.59 4.94 | 6.42 7 | 18 Good
    7Y Return % 6.01 6.21 5.48 | 7.18 10 | 18 Good
    10Y Return % 6.82 6.64 5.51 | 7.67 6 | 17 Good
    1Y SIP Return % -11.85 -12.57 -14.67 | -8.11 5 | 23 Very Good
    3Y SIP Return % -0.38 -1.10 -2.88 | 1.26 5 | 21 Very Good
    5Y SIP Return % 3.32 3.04 2.21 | 4.53 5 | 18 Very Good
    7Y SIP Return % 3.29 3.21 2.49 | 4.31 6 | 18 Good
    10Y SIP Return % 4.61 4.64 4.03 | 5.72 8 | 17 Good
    Standard Deviation 3.13 3.81 2.50 | 5.02 4 | 21 Very Good
    Semi Deviation 2.38 2.80 1.93 | 3.79 5 | 21 Very Good
    Max Drawdown % -2.91 -3.50 -5.92 | -2.09 7 | 21 Good
    VaR 1 Y % -3.67 -5.38 -7.69 | -1.79 4 | 21 Very Good
    Average Drawdown % 0.89 1.22 0.89 | 2.41 21 | 21 Poor
    Sharpe Ratio 0.30 0.12 -0.15 | 0.53 4 | 21 Very Good
    Sterling Ratio 0.53 0.47 0.35 | 0.61 5 | 21 Very Good
    Sortino Ratio 0.13 0.06 -0.05 | 0.23 4 | 21 Very Good
    Return data last Updated On : Oct. 1, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : June 30, 2026
    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
    01-10-2026 65.4243 68.0252
    30-09-2026 65.4817 68.0841
    29-09-2026 65.5033 68.1059
    28-09-2026 65.3413 67.9367
    25-09-2026 65.6883 68.2954
    24-09-2026 65.7539 68.3628
    23-09-2026 65.9781 68.5952
    22-09-2026 66.0483 68.6675
    21-09-2026 65.8829 68.4947
    18-09-2026 65.7337 68.3375
    17-09-2026 65.7173 68.3197
    16-09-2026 65.5421 68.1368
    15-09-2026 65.4036 67.9921
    11-09-2026 65.5457 68.1369
    10-09-2026 65.6145 68.2077
    09-09-2026 65.6245 68.2173
    08-09-2026 65.6376 68.2302
    07-09-2026 65.6279 68.2194
    04-09-2026 65.5791 68.1665
    03-09-2026 65.577 68.1636
    02-09-2026 65.5769 68.1628
    01-09-2026 65.6934 68.2832

    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.