Best UTI Mutual Funds in India – Meaning, Full Form & NAV
UTI Asset Management Limited is an established private sector mutual fund house in India, backed by the UTI Group. Founded in 1994, it is one of the oldest private asset management companies in the country. As of September 2025, the AMC manages assets worth approximately ₹20,338 cr across 206 schemes. The fund house offers schemes across equity, debt, hybrid, and money market categories. This article explores the top mutual funds offered by UTI AMC, key information about the AMC, how to invest in these funds, and more.
List of Top UTI Mutual Funds for 2025
Here are the top UTI mutual funds in India sorted according to their AUM:
| Fund Name | Sub Category | AUM (in cr.) | CAGR 3Y | Expense Ratio | CAGR 5Y | Absolute Returns - 1Y (%) | NAV (in Rs.) | Exit Load (%) |
|---|---|---|---|---|---|---|---|---|
| UTI Liquid Fund | Liquid Fund | 28,884.74 | 7.07 | 0.16 | 5.84 | 6.68 | 4,429.96 | 0.01 |
| UTI Flexi Cap Fund | Flexi Cap Fund | 25,757.27 | 11.11 | 1.01 | 12.74 | 1.37 | 350.48 | 1.00 |
| UTI Nifty 50 Index Fund | Index Fund | 25,747.56 | 12.64 | 0.17 | 15.73 | 7.38 | 181.58 | 0.00 |
| UTI Money Market Fund | Money Market Fund | 20,351.52 | 7.67 | 0.13 | 6.30 | 7.66 | 3,211.25 | 0.00 |
| UTI Large Cap Fund | Large Cap Fund | 13,241.33 | 12.74 | 0.93 | 15.45 | 6.03 | 310.20 | 1.00 |
| UTI Mid Cap Fund | Mid Cap Fund | 12,101.13 | 16.54 | 0.91 | 20.17 | -1.65 | 337.82 | 1.00 |
| UTI Arbitrage Fund | Arbitrage Fund | 10,105.83 | 7.76 | 0.3 | 6.41 | 7.01 | 38.27 | 0.25 |
| UTI Value Fund | Value Fund | 10,057.81 | 18.16 | 1.18 | 19.67 | 3.08 | 190.15 | 1.00 |
| UTI Nifty200 Momentum 30 Index Fund | Index Fund | 8,707.44 | 16.75 | 0.45 | 0.00 | -8.96 | 21.92 | 0.00 |
| UTI Aggressive Hybrid Fund | Aggressive Hybrid Fund | 6,595.50 | 16.50 | 1.23 | 18.64 | 4.57 | 448.57 | 1.00 |
Disclaimer: Please note that the above list of mutual funds is for educational purposes only, and is not recommendatory. Please do your own research or consult your financial advisor before investing. The data is derived from Tickertape Mutual Fund Screener and is subject to real-time updates.
Note: The data on the list of the best UTI mutual funds is from 1st December 2025. This data is derived from the Tickertape Mutual Funds Screener.
- AMC: UTI Asset Management Company Private Limited
- Plan: Growth
- AUM: Sorted from highest to lowest
Pro Tip: You can use Tickertape’s Mutual Fund Screener to research and evaluate funds with over 50+ pre-loaded filters and parameters.
Key Information About UTI Asset Management Limited
| Category | Details |
| Name | UTI Asset Management Company Ltd. (UTI AMC) |
| Type | Public company in the asset management industry |
| Incorporation Date / Public Company Status | Incorporated on 14 November 2002; became a Public Limited Company on 14 November 2007 |
| Headquarters | Mumbai, Maharashtra, India |
| Key Executive | Imtaiyazur Rahman (Managing Director & CEO) |
| Promoters / Major Stakeholders | LIC, SBI, PNB, Bank of Baroda, and T. Rowe Price Group |
| Business / Services Offered | Mutual funds, portfolio management services, retirement solutions, wealth management, and alternative investment products |
| Assets Under Management (AUM) | Total group AUM ~₹22.41 lakh cr (as of September 2025) UTI Mutual Fund QAAUM ~₹3.78 lakh cr (as of September 2025) |
| Investor Base (Live Folios) | Around 1.36 cr live folios (as of September 2025) |
| Distribution Reach | Wide physical and digital presence across India for retail and institutional clients |
Overview of the Top UTI Mutual Funds in India
UTI Liquid Fund
UTI Liquid Fund invests in short-term debt securities with maturities up to 91 days. Aims to provide liquidity and reasonable returns while preserving capital. Suitable for parking surplus funds temporarily with minimal interest rate risk exposure.
UTI Flexi Cap Fund
UTI Flexi Cap Fund invests across market capitalisations—large, mid, and small cap stocks. The fund manager has the flexibility to adjust allocation based on market opportunities and valuations. Diversified equity exposure across company sizes and sectors.
UTI Nifty 50 Index Fund
UTI Nifty 50 Index Fund passively tracks the Nifty 50 index by investing in the same 50 large-cap stocks in identical proportions. Offers diversified exposure to India’s leading companies with low expense ratios compared to actively managed funds.
UTI Money Market Fund
UTI Money Market Fund invests in money market instruments with maturities up to one year. Focuses on high-quality debt securities including treasury bills, commercial papers, and certificates of deposit. Aims for capital preservation with moderate returns.
UTI Large Cap Fund
UTI Large Cap Fund invests primarily in large-cap stocks—companies ranked among the top 100 by market capitalisation. Provides exposure to established, well-researched companies with relatively stable business models and consistent performance track records.
UTI Mid Cap Fund
UTI Mid Cap Fund focuses on mid-cap stocks—companies ranked 101-250 by market capitalisation. Targets businesses with growth potential and established operations. Mid-caps typically offer higher growth prospects alongside increased volatility compared to large-caps.
UTI Arbitrage Fund
UTI Arbitrage Fund exploits price differentials between cash and derivatives markets through arbitrage strategies. Generates returns from mispricing opportunities while maintaining relatively low risk. Taxation is similar to equity funds despite a debt-like risk profile.
UTI Value Fund
UTI Value Fund follows a value investing strategy by identifying undervalued stocks trading below their intrinsic worth. Seeks companies with strong fundamentals but temporarily depressed prices. Focuses on businesses offering margin of safety at current valuations.
UTI Nifty200 Momentum 30 Index Fund
UTI Nifty200 Momentum 30 Index Fund tracks an index selecting 30 stocks from the Nifty 200 universe based on momentum scores. Invests in companies showing strong recent price performance and positive trends. Rebalances semi-annually to capture momentum factor.
UTI Aggressive Hybrid Fund
UTI Aggressive Hybrid Fund allocates 65-80% to equities and the remaining to debt instruments. Combines growth potential from stocks with stability from fixed-income securities. Balances risk-return through dynamic asset allocation across equity and debt markets.
How to invest in UTI Mutual Funds?
You can easily start to invest in UTI mutual funds by following these steps:
- To invest in the best UTI mutual funds, you can visit a mutual fund investment platform such as smallcase.
- The next step is to research and identify the UTI mutual funds, like the UTI Large and Midcap fund, that match your financial goals. Tools like the Tickertape Mutual Fund Screener can help you filter and compare funds based on parameters such as returns, expense ratio, and fund size.
- Once you shortlist the funds, visit smallcase, log in, and search for the fund by name. You can then choose the investment mode (SIP or lump sum) and start investing.
However, if you’re confused about which stocks to pick, you can explore smallcases:
- smallcases are readymade model portfolios of stocks/ETFs, that are based on a theme idea or strategy
- They’re created and managed by SEBI-registered investment experts (also known as smallcase managers)
- smallcase offers over 500+ stock portfolios, created by 200+ managers
Here are a few popular smallcases among new investors:
Disclosures for aforementioned smallcases
Top UTI Mutual Fund Managers
Vetri Subramaniam
Vetri Subramaniam serves as the Chief Investment Officer and oversees UTI’s overall investment framework. He shapes portfolio strategy, reviews research inputs and ensures each scheme stays aligned with its stated mandate. His work centres on process discipline and long-term consistency across equity strategies.
Ajay Tyagi
Ajay Tyagi leads the equity team and manages several flagship funds. His role involves evaluating company fundamentals, tracking sector shifts and guiding the research process. He is known for a structured approach to stock selection and portfolio construction within diversified mandates.
Sudhir Agrawal
Sudhir Agrawal manages UTI’s fixed-income portfolios. He focuses on interest-rate trends, credit quality and liquidity conditions across debt markets. His responsibilities include balancing duration calls with risk controls to maintain stability across short-term and medium-term debt schemes.
Amit Sharma
Amit Sharma works on hybrid and allocation-based strategies within UTI’s product suite. He reviews equity and debt components together, ensuring each portfolio reflects its risk–return profile. His work includes monitoring macro indicators, fund flows and valuation changes across both asset classes.
Taxation on UTI Mutual Funds in India
Equity Mutual Funds
| Type of Gain | Holding Period | New Rate |
| Short-Term Capital Gains (STCG) | Less than 12 months | 20% |
| Long-Term Capital Gains (LTCG) | More than 12 months | 12.5% (Gains up to ₹1.25 lakh exempt) |
Debt Mutual Funds
| Type of Gain | Holding Period | Tax Rate | Indexation Benefit |
| Short-Term Capital Gains (STCG) | Less than 36 months | Taxed as per income tax slab | Not applicable |
| Long-Term Capital Gains (LTCG) | More than 36 months | 12.50% | Not available |
Hybrid Mutual Funds
| Type of Fund | STCG | LTCG | Indexation Benefit |
| Equity-Oriented Hybrid Funds | 20% for holdings < 1 year | 12.5% for holdings > 1 year; gains up to ₹1.25 lakh exempt | Not available |
| Debt-Oriented Hybrid Funds | Taxed as per slab for holdings < 3 years | 12.5% for holdings > 3 years | Not available |
Documents Required to Invest in UTI Mutual Funds
Here are the documents required to invest in UTI Mutual Funds:
- PAN Card details, which are mandatory for all mutual fund investments.
- KYC acknowledgement from a SEBI-registered KYC Registration Agency.
- Personal details, including full name, mobile number and email address.
- Address proof such as Aadhaar, passport or any other SEBI-approved document.
- Bank account details and a cancelled cheque for verification.
- Nominee information along with FATCA/CRS declarations as part of standard compliance requirements.
Risks of Investing in UTI Mutual Funds
- Market risk in equity and hybrid schemes: UTI’s equity and hybrid funds move with broader market trends. Volatility in index-heavy sectors or earnings disappointment can influence NAVs, including in diversified and mid-cap portfolios.
- Category-specific volatility: Small-cap, thematic or focused funds at UTI may see sharper swings and longer correction phases compared with large-cap or flexi-cap strategies. These categories can react strongly to liquidity shifts and sector narratives.
- Style and concentration risk: Some UTI schemes follow defined styles such as quality, value or growth, or hold a concentrated portfolio. If that style or set of stocks falls out of favour, performance may lag more diversified approaches.
- Interest-rate sensitivity in debt funds: Movements in policy rates and bond yields directly affect UTI’s duration-oriented debt schemes. Longer-maturity portfolios tend to react more to rate changes, leading to NAV fluctuations.
- Credit risk in select debt categories: Debt funds investing in corporate or lower-rated issuers carry the risk of rating downgrades or credit events. Any deterioration in issuer quality can influence the fund’s NAV.
- Liquidity risk during stressed periods: In volatile markets, smaller-company equities or lower-rated bonds can become harder to trade. This may affect execution and rebalancing in relevant UTI schemes.
Factors to Consider Before Investing in UTI Mutual Funds
- Risk profile and time horizon: UTI offers funds across equity, debt and hybrid categories, each with different volatility patterns. Aligning the category with one’s time horizon helps create realistic expectations for short-term fluctuations.
- Scheme mandate and portfolio approach: Understanding whether a UTI fund follows a growth, value, quality or blended style—and how diversified the holdings are—provides clarity on how the scheme may behave across market cycles.
- Expense ratios: Costs differ across categories and share classes. Over extended periods, expense ratios can influence net returns, especially in actively managed equity funds.
- Historical performance and risk characteristics: Reviewing long-term returns, volatility trends, drawdowns and category rankings offers context on how consistently a UTI scheme has executed its mandate. These indicators are descriptive, not predictive.
- Tax rules across categories: Equity, debt, hybrid and international funds follow different tax treatments under current regulations. Holding periods and capital gains rules determine how returns are taxed.
- Ease of transactions and platform experience: SIP features, reporting clarity, service quality and transaction turnaround times—whether through UTI’s platform or a distributor—contribute to the overall investing experience.
To Wrap It Up
UTI Mutual Funds combine a long operating history with a wide range of equity, debt and hybrid schemes built on a defined investment framework. Reviewing scheme mandates, portfolio styles and category behaviour helps create a clearer picture of how different UTI funds function across market conditions. For those looking to examine fund details or compare categories, the Tickertape Mutual Fund Screener provides structured data and filtering options without influencing investment decisions.
Looking for a Loan Against Mutual Funds (LAMF)? Explore LAMF on smallcase –
You can now apply for a loan against mutual funds (LAMF) on smallcase. Explore the quick and paperless process with the following articles about the eligibility criteria, documents required, features, benefits and more on LAMF at smallcase!
Frequently Asked Questions on UTI Mutual Fund
Here are the top UTI mutual fund schemes sorted according to their AUM:
– UTI Liquid Fund
– UTI Flexi Cap Fund
– UTI Nifty 50 Index Fund
– UTI Money Market Fund
– UTI Large Cap Fund
Note: This data on this list was taken on 1st December 2025. The UTI mutual funds are listed for educational purposes and are not meant to be recommendatory.
Most UTI mutual funds, including the UTI Small Cap Fund Direct Growth, have a minimum SIP amount of ₹500 and a minimum lump sum investment of ₹5,000. Some funds may have different minimum requirements depending on the scheme.
Note: This information was taken on 1st December 2025. Please check the specific scheme document (SID) for exact details.
Exit load varies by scheme. Many UTI equity funds charge 1% if redeemed within one year of investment. Debt funds may have different exit load structures, while some funds have no exit load.
Note: This information was taken on 1st December 2025. Please check the specific scheme document (SID) for exact details.
Expense ratios vary by fund type and category. Index funds typically have lower expense ratios (around 0.1-0.3%), while actively managed equity funds range from approximately 0.5-2.25%. The expense ratio impacts net returns and varies across different schemes.
Note: This information was taken on 1st December 2025. Please check the specific scheme document (SID) for exact details.
Yes, you can modify your SIP amount through the UTI website, their nearest branch office, or the mutual fund platform where you invested. Most platforms offer “Step-Up SIP” or “Modify SIP” options that allow you to increase your SIP at regular intervals or change the contribution amount.
Note: Please check the AMC website for more recent details.
Taxation depends on whether the scheme is classified as equity, debt or hybrid under current tax rules. Holding period and type of gains determine tax treatment.
