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InvestVerdict

UTI Medium to Long Term Fund

Direct Plan · Annual IDCW · Long Duration · Scheme code 139339

NAV₹13.2772as on 30 Oct 2026
Fund houseUTI Mutual Fund
CategoryLong Duration
Plan & optionDirect · Annual IDCW
History10.3 years

Returns (%)

 1M3M6M1Y3Y5Y7Y10YLaunch
This scheme 0.112.250.26 2.723.064.40 2.852.032.51
Long Duration
category median		 ——— 2.576.287.11 ———

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

Risk

 VolatilitySharpeSortinoBetaAlphaMax fallR²
This scheme 3.9% -0.87 -0.93 — — -15.1% —

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

9510812013220182020202220242026InvestVerdict

Drawdown from peak (%)

0%-5%-11%-16%20182020202220242026

Every one-year period it has lived through

WindowsWorstMedianBestPeriods that lost money
2,257 -12.8% 1.7% 13.9% 31%

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.

InvestVerdict

UTI Medium to Long Term Fund

Direct Plan · Annual IDCW

Allocation

By asset

Debt94.00%
Cash & Equivalents6.02%

By market cap

Concentration

Number of stocks27
Top 5 stocks37.04%
Top 10 stocks61.75%
Top 20 stocks88.00%
Lines in the filing29
Largest holding8.27%
Largest sectorSOV 34.24%
Effective stocks20.6
Sectors held9
Cash6.02%

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 21. Cash includes repo and TREPS, which every fund parks money in overnight.

Sector split

SOV — 34.2%CRISIL-AAA — 20.4%CRISIL-AA — 11.0%CRISIL-AA+ — 6.6%CRISIL-AAA(SO) — 6.5%Cash & Equivalents — 6.0%ICRA-AA+ — 5.6%CARE-AA+ — 5.0%IND-AAA(SO) — 4.3%Other — 0.3%SOV34.2%CRISIL-AAA20.4%CRISIL-AA11.0%CRISIL-AA+6.6%CRISIL-AAA(SO)6.5%Cash & Equivalents6.0%ICRA-AA+5.6%CARE-AA+5.0%IND-AAA(SO)4.3%Other0.3%
SOV34.24%
CRISIL-AAA20.40%
CRISIL-AA11.03%
CRISIL-AA+6.62%
CRISIL-AAA(SO)6.50%
Cash & Equivalents6.02%
ICRA-AA+5.60%
CARE-AA+4.99%
IND-AAA(SO)4.30%
-0.32%
InvestVerdict

UTI Medium to Long Term Fund

Direct Plan · Annual IDCW · holdings

Top 30 holdings

#CompanySectorShares held Value
₹ cr		% of fund
1 NCD SUMMIT DIGITEL INFRASTRUCTURE LTD CRISIL-AAA 250 — 8.27%
2 NCD BAJAJ HOUSING FINANCE LTD CRISIL-AAA 2,500 — 8.19%
3 7.08% A P SGL MAT - 26/03/2037 SOV 250,000,000 — 8.03%
4 07.80% XIRR PTC- SIDDHIVINAYAK SECURITISATION TRUST-28/09/2030 CRISIL-AAA(SO) 20 — 6.50%
5 SPN/DDB JTPM METAL TRADERS LIMITED CRISIL-AA 1,700 — 6.05%
6 NET CURRENT ASSETS Unclassified — — 5.81%
7 NCD PIRAMAL FINANCE LIMITED CARE-AA+ 1,500 — 4.99%
8 NCD ADITYA BIRLA RENEWABLES LTD CRISIL-AA 1,500 — 4.98%
9 NCD MUTHOOT FINANCE LTD CRISIL-AA+ 1,500 — 4.96%
10 NCD TORRENT PHARMACEUTICALS LTD. ICRA-AA+ 1,500 — 4.95%
11 7.24% GSEC MAT- 18/08/2055 SOV 150,000,000 — 4.83%
12 08.20% PTC- INDIA UNIVERSAL TRUST AL1-SERIES A3 IND-AAA(SO) 15 — 4.30%
13 7.99% RAJASTHAN SGS - 30/03/2041 SOV 100,000,000 — 3.41%
14 7.57% TAMIL NADU SGS Mat - 18/03/2038 SOV 100,000,000 — 3.33%
15 7.74% WEST BENGAL SGS Mat - 18/02/2044 SOV 94,180,000 — 3.14%
16 6.90% GSEC MAT - 15/04/2065 SOV 100,000,000 — 3.03%
17 NCD POONAWALLA FINCORP LTD. CRISIL-AAA 700 — 2.30%
18 7.74% MH SDL MAT - 01/03/2033 SOV 50,000,000 — 1.70%
19 07.78% RAJASTHAN SDL 29/03/2033 SOV 50,000,000 — 1.70%
20 07.72% WESTBENGAL SGS Mat - 25/02/2041 SOV 50,000,000 — 1.67%
21 06.94% GSEC Mat- 11/05/2036 SOV 50,000,000 — 1.67%
22 NCD MANKIND PHARMA LTD CRISIL-AA+ 500 — 1.66%
23 07.65% RAJASTHAN SGS Mat - 07/01/2040 SOV 50,000,000 — 1.66%
24 NCD BHARTI TELECOM LTD. CRISIL-AAA 500 — 1.64%
25 NCD MUTHOOT FINANCE LTD ICRA-AA+ 200 — 0.65%
26 CORPORATE DEBT MARKET DEVT FUND - A2 UNITS - 815 — 0.32%
27 CLEARING CORPORATION OF INDIA LTD. STD - MARGIN Unclassified — — 0.21%
28 7.72% MADHYA PRADESH SGS Mat - 18/02/2045 SOV 2,000,000 — 0.07%
InvestVerdict

UTI Medium to Long Term Fund

Direct Plan · Annual IDCW · where the money sits

A ₹10,000 monthly SIP over five years

InvestedValueGainXIRR
₹600,000 ₹645,340 ₹45,340 2.88%

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 31 Oct 2026.