Uti Gilt Fund Overview
Category Gilt Fund
BMSMONEY Rank 7
Rating
Growth Option 18-07-2025
NAV ₹63.41(R) +0.24% ₹65.66(D) +0.24%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 8.65% 7.95% 5.35% 7.42% 7.67%
Direct 8.93% 8.23% 5.64% 7.72% 7.97%
Benchmark
SIP (XIRR) Regular -8.26% 2.67% 5.05% 6.01% 6.3%
Direct -8.02% 2.95% 5.34% 6.31% 6.6%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
0.76 0.37 0.68 -% -
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
2.5% -1.59% -1.35% - 1.76%
Fund AUM As on: 30/06/2025 698 Cr

NAV Date: 18-07-2025

Scheme Name NAV Rupee Change Percent Change
UTI - GILT FUND -Discontinued PF Plan -Dividend Option 25.95
0.0600
0.2400%
UTI Gilt Fund - Direct Plan - IDCW 30.63
0.0700
0.2400%
UTI Gilt Fund - Regular Plan - IDCW 38.26
0.0900
0.2400%
UTI - GILT FUND - Discontinued PF Plan - Growth Option 47.15
0.1100
0.2400%
UTI - GILT FUND - Discontinued PF Plan Prescribed Date Auto Redemption Option 47.18
0.1100
0.2400%
UTI - GILT FUND - Regular Plan - Growth Option 63.41
0.1500
0.2400%
UTI - GILT FUND - Direct Plan - Growth Option 65.66
0.1600
0.2400%

Review Date: 18-07-2025

Beginning of Analysis

In the Gilt Fund category, Uti Gilt Fund is the 7th ranked fund. The category has total 18 funds. The Uti Gilt Fund has shown a very good past performence in Gilt Fund. The fund has a Sharpe Ratio of 0.76 which is higher than the category average of 0.71.
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 0.87%, 0.34 and 5.09 in last one, three and six months respectively. In the same period the category average return was 0.88%, 0.21% and 4.93% respectively.
  • Uti Gilt Fund has given a return of 8.93% in last one year. In the same period the Gilt Fund category average return was 8.94%.
  • The fund has given a return of 8.23% in last three years and ranked 15.0th out of 18 funds in the category. In the same period the Gilt Fund category average return was 8.55%.
  • The fund has given a return of 5.64% in last five years and ranked 17th out of 18 funds in the category. In the same period the Gilt Fund category average return was 6.15%.
  • The fund has given a return of 7.97% in last ten years and ranked 9th out of 16 funds in the category. In the same period the category average return was 8.13%.
  • The fund has given a SIP return of -8.02% in last one year whereas category average SIP return is -8.17%. The fund one year return rank in the category is 8th in 21 funds
  • The fund has SIP return of 2.95% in last three years and ranks 15th in 18 funds. Tata Gilt Securities Fund has given the highest SIP return (4.04%) in the category in last three years.
  • The fund has SIP return of 5.34% in last five years whereas category average SIP return is 5.68%.

Uti Gilt Fund Risk Analysis

  • The fund has a standard deviation of 2.5 and semi deviation of 1.76. The category average standard deviation is 2.71 and semi deviation is 1.91.
  • The fund has a Value at Risk (VaR) of -1.59 and a maximum drawdown of -1.35. The category average VaR is -1.64 and the maximum drawdown is -1.5.

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 % 0.85
    0.83
    0.34 | 1.51 10 | 21 Good
    3M Return % 0.27
    0.05
    -0.52 | 1.23 7 | 21 Good
    6M Return % 4.95
    4.58
    3.86 | 5.76 5 | 21 Very Good
    1Y Return % 8.65
    8.21
    7.15 | 10.15 6 | 21 Very Good
    3Y Return % 7.95
    7.85
    6.68 | 8.83 8 | 18 Good
    5Y Return % 5.35
    5.46
    4.63 | 6.33 11 | 18 Average
    7Y Return % 7.42
    7.47
    6.35 | 8.33 10 | 18 Good
    10Y Return % 7.67
    7.41
    6.11 | 8.28 7 | 16 Good
    15Y Return % 8.22
    10.40
    6.52 | 44.82 5 | 14 Good
    1Y SIP Return % -8.26
    -8.77
    -9.85 | -6.91 5 | 21 Very Good
    3Y SIP Return % 2.67
    2.58
    1.65 | 3.50 9 | 18 Good
    5Y SIP Return % 5.05
    4.97
    4.13 | 5.85 8 | 18 Good
    7Y SIP Return % 6.01
    5.99
    4.99 | 6.90 9 | 18 Good
    10Y SIP Return % 6.30
    6.15
    4.92 | 7.00 7 | 16 Good
    15Y SIP Return % 7.49
    9.71
    5.95 | 44.97 7 | 15 Good
    Standard Deviation 2.50
    2.71
    1.60 | 3.70 5 | 18 Very Good
    Semi Deviation 1.76
    1.91
    1.07 | 2.64 6 | 18 Good
    Max Drawdown % -1.35
    -1.50
    -2.21 | -0.25 8 | 18 Good
    VaR 1 Y % -1.59
    -1.64
    -3.12 | 0.00 8 | 18 Good
    Average Drawdown % -0.57
    -0.57
    -0.90 | -0.24 10 | 18 Good
    Sharpe Ratio 0.76
    0.71
    0.28 | 1.87 6 | 18 Good
    Sterling Ratio 0.68
    0.67
    0.55 | 0.87 7 | 18 Good
    Sortino Ratio 0.37
    0.37
    0.13 | 1.31 7 | 18 Good
    Return data last Updated On : July 18, 2025.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : June 30, 2025
    KPIs: Key Performance Indicators

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    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % 0.87 0.88 0.37 | 1.56 10 | 21
    3M Return % 0.34 0.21 -0.29 | 1.35 7 | 21
    6M Return % 5.09 4.93 4.32 | 6.33 7 | 21
    1Y Return % 8.93 8.94 7.81 | 10.56 8 | 21
    3Y Return % 8.23 8.55 7.22 | 9.40 15 | 18
    5Y Return % 5.64 6.15 5.13 | 6.92 17 | 18
    7Y Return % 7.72 8.17 6.92 | 8.96 14 | 18
    10Y Return % 7.97 8.13 6.83 | 8.91 9 | 16
    1Y SIP Return % -8.02 -8.17 -9.13 | -6.11 8 | 21
    3Y SIP Return % 2.95 3.27 2.20 | 4.04 15 | 18
    5Y SIP Return % 5.34 5.68 4.66 | 6.43 15 | 18
    7Y SIP Return % 6.31 6.70 5.52 | 7.50 14 | 18
    10Y SIP Return % 6.60 6.84 5.52 | 7.59 11 | 16
    Standard Deviation 2.50 2.71 1.60 | 3.70 5 | 18
    Semi Deviation 1.76 1.91 1.07 | 2.64 6 | 18
    Max Drawdown % -1.35 -1.50 -2.21 | -0.25 8 | 18
    VaR 1 Y % -1.59 -1.64 -3.12 | 0.00 8 | 18
    Average Drawdown % -0.57 -0.57 -0.90 | -0.24 10 | 18
    Sharpe Ratio 0.76 0.71 0.28 | 1.87 6 | 18
    Sterling Ratio 0.68 0.67 0.55 | 0.87 7 | 18
    Sortino Ratio 0.37 0.37 0.13 | 1.31 7 | 18
    Return data last Updated On : July 18, 2025.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : June 30, 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
    18-07-2025 63.4124 65.6596
    17-07-2025 63.2611 65.5025
    16-07-2025 63.2135 65.4528
    15-07-2025 63.2265 65.4658
    14-07-2025 63.2547 65.4945
    11-07-2025 63.1538 65.3886
    10-07-2025 62.9042 65.1298
    09-07-2025 62.9646 65.1919
    08-07-2025 63.0039 65.2321
    07-07-2025 63.0372 65.266
    04-07-2025 63.0114 65.238
    03-07-2025 63.0025 65.2282
    02-07-2025 63.0501 65.2771
    01-07-2025 62.9426 65.1653
    30-06-2025 62.7928 65.0097
    27-06-2025 62.7076 64.9201
    26-06-2025 62.7991 65.0145
    25-06-2025 62.7892 65.0037
    24-06-2025 62.9416 65.1611
    23-06-2025 62.7947 65.0085
    20-06-2025 62.7322 64.9425
    19-06-2025 62.6547 64.8617
    18-06-2025 62.8774 65.0918

    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.