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Product scoring may vary based on gender, age, policy tenure and sum assured.
Gender
Male
Age Group
The lowest age in the selected range is considered for price evaluation (e.g., 25 - 29)
30 - 34
Sum Assured
₹ 1Cr
Debt • Medium to Long Duration • CRISIL Medium to Long Term Debt Index
UTI Medium to Long Duration Fund(G)-Direct Plan
1 Finance Rank:
10
101 Finance Score:
62100
Yield To Maturity Score
54
Quality & Diversification Score
62
Standard Deviation Score
96
Modified Duration Score
92
AUM Score
46
Historical Performance score
59
1 Finance Research updated as on June 2026 1 Finance Scores reflect a holistic assessment of fund performance, risk, and costs.
AUM
₹ 304 CrNAV
₹ —Expense Ratio
1.08%(As on 29-Sep-2026)Investment Horizon
5 to 7 years
10
Debt • Medium to Long Duration • CRISIL Medium to Long Term Debt Index
UTI Medium to Long Duration Fund(G)-Direct Plan
This fund ranks 10th out of 13 funds in its category.
AUM₹ 304 Cr
NAV₹ —
Expense Ratio1.08%(As on 29-Sep-2026)
Investment Horizon5 to 7 years
1 Finance Score: 62/100
Yield To Maturity Score
54
Quality & Diversification Score
62
Standard Deviation Score
96
Modified Duration Score
92
AUM Score
46
Historical Performance score
59
Fundamental Ratios
Modified Duration
4.52 yearsAverage Maturity
8.55 yearsYield To Maturity
7.72%Standard Deviation
0.1237%Portfolio summary
Asset Allocation
Debt
Others
93.66%
6.34%
Credit Rating
SOV
34.22%
AAA
31.21%
AA
28.24%
Others
6.34%
Debt Sector Allocation
G-Sec
36.55%
Finance
18.56%
Others
44.88%
Top Holdings
| Holding Names | Assets (%) |
|---|---|
| Summit Digitel Infrastructure Pvt Ltd. 07.40% (28-Sep-2028) | 8.27% |
| Bajaj Housing Finance Ltd. - 07.02% (26-May-2028) | 8.19% |
| 07.08% Andhra Pradesh SDL - 26-Mar-2037 | 8.03% |
| Siddhivinayak Securitisation Trust | 6.50% |
| JTPM Metal Traders Ltd. - (30-Apr-2030) | 6.05% |
*Portfolio summary is updated on July 2026.
*A strong-looking portfolio on paper may still clash with your needs. Make sure to align it with your needs and time horizon.
Peer comparison
| Fund List | 1 F score | Fund Size | Expense Ratio |
|---|
*1F Score is updated quarterly, expense ratio was updated on September 2026. CAGR is updated daily.
Pros and Cons
Pros
Cons
There is a possibility of lower returns as the fund maintains a low Yield to Maturity (YTM).
Low AUM may result in limited portfolio diversification.
Historically, the fund has generated low returns.
Should you invest?
Invest if you are :
- Investors having a 5 to 7 years of investment horizon but wants to avoid equity market risk can invest in this fund.
- Investing should be considered when interest rates in the economy are expected to remain stable or fall.
Avoid if you are :
- Short term investors and those who take very low risks should avoid this fund.
*Most financial mistakes aren't about money — they're about personality. Find yours with MoneySign®
Taxation
If bought before April 1, 2023
- Less than or equal to 24 months: Short-Term Capital Gains (STCG) are taxed as per your applicable income tax slab.
- More than 24 months: Long-Term Capital Gains (LTCG) are taxed at 12.5% on gains.
If bought after April 1, 2023
- Taxed at applicable slab rates.
Scheme Details
Scheme Objective
- The investment objective of the scheme is to generate optimal returns with adequate liquidity by investing in debt and money market instruments such that the Macaulay duration of the portfolio is between 4 years and 7 years. However there can be no assurance that the investment objective of the Scheme will be achieved. The Scheme does not guarantee / indicate any returns.
Exit Load
- 3% Before 3M, 2% Between 3M and 6M, 1% Between 6M and 1Y, Nil after 1Y
Minimum investment amount
Lumpsum
₹ 500 (open for subscription)
Other details
Founded In2013
Email Addressservice@uti.co.in
| Fund Manager Name | Total Exp. (Years) | No. of Funds Managed |
|---|---|---|
| Amit Sharma | 8.9 | 3 |
About UTI MF
- Known for its extensive research capabilities and prudent risk management, UTI Mutual Fund is one of India’s oldest and largest AMCs, serving millions of investors across a broad spectrum of mutual fund products.
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Frequently Asked Questions
Are debt funds risk-free?
No, debt funds aren’t entirely risk-free. They may be less volatile than equities, but carry risks like changing interest rates, credit, liquidity, concentration, and prepayment. Hence, as an investor, it is crucial you personalise your portfolio based on your financial personality, which includes your risk comfort and time horizon of your financial goals.
Is a higher yield-to-maturity (YTM) always better?
Not necessarily in every case. A higher yield-to-maturity (YTM) often implies a bond having lower credit ratings, possessing higher default risk. You must weigh YTM against your portfolio quality and your time horizon.
What’s best for an emergency fund?
An emergency fund requires saving 3-6 months of expenses, meaning planning for short-term goals. While debt funds like overnight or liquid funds are usually the preferred options due to their strong liquidity benefits, it is imperative for you to choose a fund that aligns with your financial personality.
Who can invest in debt funds?
Debt funds are suitable for investors who prefer easy liquidity, want low-risk investments, or aim for capital preservation.
Are debt funds better than equity funds?
A mutual fund scheme is designed with a specific purpose. Equity funds are for capital appreciation, while debt funds focus on capital preservation. It depends entirely on your personal finance goals, risk tolerance, and investment horizon. Choosing between debt and equity funds must align with what you want to achieve financially.
Disclaimer
The Information in the scoring and ranking model is provided solely for general information and educational purposes and shall not constitute any advice or recommendation. Mutual Fund investments are subject to market risks. Please read all scheme-related documents carefully before investing. Past performance is not an indicator of future returns.
Don't chase past returns.
Build a portfolio for the future
Our Advisory Includes
- Portfolio diversification
- Mutual fund tax harvesting
- Fund overlap check & more