UTI - Gilt Fund

Direct Plan · IDCW · Gilt Funds · Scheme code 120791

NAV₹31.0958as on 28 Oct 2026

Fund houseUTI Mutual Fund

CategoryGilt Funds

Plan & optionDirect · IDCW

History13.6 years

Returns (%)

	1M	3M	6M	1Y	3Y	5Y	7Y	10Y	Launch
This scheme	-0.01	1.55	1.58	5.43	5.34	4.56	4.43	5.13	5.63
Gilt Funds category median	—	—	—	1.39	6.17	5.45	—	6.64	—

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	3.3%	-0.36	-0.43	—	—	-8.1%	—

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
3,047	-2.7%	5.8%	19.1%	6%

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 - Gilt Fund

Direct Plan · IDCW

Allocation

By asset

Debt	86.41%
Cash & Equivalents	13.60%

By market cap

Unclassified	92.79%

Concentration

Number of stocks	8
Top 5 stocks	82.78%
Top 10 stocks	86.41%
Top 20 stocks	86.41%
Lines in the filing	10

Largest holding	51.89%
Largest sector	SOV 86.41%
Effective stocks	3.4
Sectors held	1
Cash	13.60%

Effective stocks is what the concentration works out to: a fund holding 8 names but most of its money in a few behaves like a fund of 3. Cash includes repo and TREPS, which every fund parks money in overnight.

Sector split

SOV	86.41%
Cash & Equivalents	13.60%

UTI - Gilt Fund

Direct Plan · IDCW · holdings

Top 30 holdings

#	Company	Sector	Shares held	Value ₹ cr	% of fund
1	6.90% GSEC MAT - 15/04/2065	SOV	2,400,000,000	—	51.89%
2	NET CURRENT ASSETS	Unclassified	—	—	13.18%
3	07.71% GSEC Mat- 18/05/2066	SOV	500,000,000	—	12.05%
4	7.24% GSEC MAT- 18/08/2055	SOV	400,000,000	—	9.15%
5	6.79% NI GSEC MAT 15/05/2027	SOV	250,000,000	—	6.05%
6	7.18% TN SDL 26/07/2027	SOV	150,000,000	—	3.64%
7	07.30% UTTARAKHAND SGS Mat - 01/10/2032	SOV	85,730,000	—	2.03%
8	7.77% ANDHRA PRADESH SGS - 10/01/2028	SOV	50,000,000	—	1.22%
9	CLEARING CORPORATION OF INDIA LTD. STD - MARGIN	Unclassified	—	—	0.42%
10	364 DAYS T-BILL - 04/03/2027	SOV	16,050,000	—	0.38%

UTI - Gilt Fund

Direct Plan · IDCW · where the money sits

A ₹10,000 monthly SIP over five years

Invested	Value	Gain	XIRR
₹600,000	₹681,900	₹81,900	5.07%

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.