UTI Medium to Long Term Fund

Direct Plan · Growth · Long Duration · Scheme code 120689

NAV₹82.5853as on 28 Oct 2026

Fund houseUTI Mutual Fund

CategoryLong Duration

Plan & optionDirect · Growth

History13.7 years

Returns (%)

	1M	3M	6M	1Y	3Y	5Y	7Y	10Y	Launch
This scheme	0.11	2.25	2.18	4.69	6.46	8.62	6.50	5.55	6.76
Long Duration category median	—	—	—	2.57	6.28	7.11	—	—	—

Over a year annualised (CAGR), under a year absolute. Computed from AMFI's published NAV history for this scheme.

Risk

	Volatility	Sharpe	Sortino	Beta	Alpha	Max fall	R²
This scheme	2.5%	-0.01	-0.02	—	—	-13.1%	—

Risk-free rate 6.5%. Beta, alpha and R² are regressed on the — months this scheme and its benchmark share.

Growth of ₹100 since launch

Drawdown from peak (%)

Every one-year period it has lived through

Windows	Worst	Median	Best	Periods that lost money
3,054	-12.2%	7.1%	19.2%	10%

Every one-year holding period in this scheme's history, not just the last one — the spread a real investor would have met depending only on when they started.

UTI Medium to Long Term Fund

Direct Plan · Growth

Allocation

By asset

Debt	96.55%
Cash & Equivalents	3.44%

By market cap

Unclassified	190.55%

Concentration

Number of stocks	27
Top 5 stocks	39.20%
Top 10 stocks	64.63%
Top 20 stocks	93.58%
Lines in the filing	29

Largest holding	8.87%
Largest sector	SOV 35.89%
Effective stocks	18.6
Sectors held	10
Cash	3.44%

Effective stocks is what the concentration works out to: a fund holding 27 names but most of its money in a few behaves like a fund of 19. Cash includes repo and TREPS, which every fund parks money in overnight.

Sector split

SOV	35.89%
CRISIL-AAA	20.36%
CRISIL-AA	10.63%
CRISIL-AA+	8.25%
CRISIL-AAA(SO)	6.30%
ICRA-AA+	5.54%
CARE-AA+	4.96%
IND-AAA(SO)	4.14%
Cash & Equivalents	3.44%
-	0.32%
ICRA-AAA	0.16%

UTI Medium to Long Term Fund

Direct Plan · Growth · holdings

Top 30 holdings

#	Company	Sector	Shares held	Value ₹ cr	% of fund
1	6.90% GSEC MAT - 15/04/2065	SOV	300,000,000	—	8.87%
2	NCD SUMMIT DIGITEL INFRASTRUCTURE LTD	CRISIL-AAA	250	—	8.18%
3	NCD BAJAJ HOUSING FINANCE LTD	CRISIL-AAA	2,500	—	8.10%
4	7.08% A P SGL MAT - 26/03/2037	SOV	250,000,000	—	7.75%
5	07.80% XIRR PTC- SIDDHIVINAYAK SECURITISATION TRUST-28/09/2030	CRISIL-AAA(SO)	20	—	6.30%
6	SPN/DDB JTPM METAL TRADERS LIMITED	CRISIL-AA	1,600	—	5.69%
7	NCD PIRAMAL FINANCE LIMITED	CARE-AA+	1,500	—	4.96%
8	NCD MUTHOOT FINANCE LTD	CRISIL-AA+	1,500	—	4.95%
9	NCD ADITYA BIRLA RENEWABLES LTD	CRISIL-AA	1,500	—	4.94%
10	NCD TORRENT PHARMACEUTICALS LTD.	ICRA-AA+	1,500	—	4.89%
11	7.24% GSEC MAT- 18/08/2055	SOV	150,000,000	—	4.69%
12	08.20% PTC- INDIA UNIVERSAL TRUST AL1-SERIES A3	IND-AAA(SO)	15	—	4.14%
13	7.99% RAJASTHAN SGS - 30/03/2041	SOV	100,000,000	—	3.32%
14	NCD MANKIND PHARMA LTD	CRISIL-AA+	1,000	—	3.30%
15	NET CURRENT ASSETS	Unclassified	—	—	3.23%
16	7.57% TAMIL NADU SGS Mat - 18/03/2038	SOV	100,000,000	—	3.22%
17	7.74% WEST BENGAL SGS Mat - 18/02/2044	SOV	94,180,000	—	3.05%
18	NCD POONAWALLA FINCORP LTD.	CRISIL-AAA	700	—	2.29%
19	7.74% MH SDL MAT - 01/03/2033	SOV	50,000,000	—	1.66%
20	07.78% RAJASTHAN SDL 29/03/2033	SOV	50,000,000	—	1.65%
21	NCD BHARTI TELECOM LTD.	CRISIL-AAA	500	—	1.63%
22	06.94% GSEC Mat- 11/05/2036	SOV	50,000,000	—	1.62%
23	NCD MUTHOOT FINANCE LTD	ICRA-AA+	200	—	0.65%
24	CORPORATE DEBT MARKET DEVT FUND - A2 UNITS	-	815	—	0.32%
25	CLEARING CORPORATION OF INDIA LTD. STD - MARGIN	Unclassified	—	—	0.21%
26	NCD NATIONAL HOUSING BANK	CRISIL-AAA	50	—	0.16%
27	NCD REC LTD	ICRA-AAA	50	—	0.16%
28	7.72% MADHYA PRADESH SGS Mat - 18/02/2045	SOV	2,000,000	—	0.06%

UTI Medium to Long Term Fund

Direct Plan · Growth · where the money sits

A ₹10,000 monthly SIP over five years

Invested	Value	Gain	XIRR
₹600,000	₹710,017	₹110,017	6.68%

XIRR, not CAGR — a SIP's money arrives over sixty months, so each instalment has been invested for a different length of time.

Not investment advice. InvestVerdict is not a SEBI-registered Investment Adviser or Research Analyst. Every figure is computed from AMFI's published NAV history and the portfolio the AMC filed with AMFI; none of it is a recommendation to buy, hold or sell. Past returns do not predict future ones. Generated 30 Oct 2026.