UTI Short Term Income Fund Direct Growth

Fund Overview

Fund Size

₹3,188 Cr

Expense Ratio

0.37%

ISIN

INF789F01XY0

Minimum SIP

₹500

Exit Load

No Charges

Inception Date

01 Jan 2013

About this fund

UTI Short Term Income Fund Direct Growth is a Short Duration mutual fund schemes offered by UTI Mutual Fund. This fund has been in existence for 13 years, 1 months and 17 days, having been launched on 01-Jan-13.
As of 17-Feb-26, it has a Net Asset Value (NAV) of ₹35.00, Assets Under Management (AUM) of 3188.06 Crores, and an expense ratio of 0.37%.

UTI Short Term Income Fund Direct Growth has given a CAGR return of 7.44% since inception.
The fund's asset allocation comprises around 0.00% in equities, 91.05% in debts, and 8.67% in cash & cash equivalents.
You can start investing in UTI Short Term Income Fund Direct Growth with a SIP of ₹500 or a Lumpsum investment of ₹500.

Performance against Category Average

In this section, we compare the returns of the scheme with the category average over various periods. Periods for which the fund has outperformed its category average are marked in green, otherwise red.

1 Year

+7.51%

+7.24% (Cat Avg.)

3 Years

+7.91%

+7.52% (Cat Avg.)

5 Years

+7.63%

+6.40% (Cat Avg.)

10 Years

+6.78%

+6.42% (Cat Avg.)

Since Inception

+7.44%

— (Cat Avg.)

Portfolio Summaryas of 31st January 2026

Debt	₹2,902.67 Cr	91.05%
Others	₹285.39 Cr	8.95%

Top Holdings

All Holdings

Equity

Debt & Others

Name	Type	Amount	Holdings
Net Current Assets	Cash	₹203.07 Cr	6.37%
LIC Housing Finance Ltd	Bond - Corporate Bond	₹176.31 Cr	5.53%
Power Finance Corporation Limited	Bond - Corporate Bond	₹175.56 Cr	5.51%
Export Import Bank Of India	Bond - Corporate Bond	₹124.36 Cr	3.90%
National Housing Bank	Bond - Corporate Bond	₹100.8 Cr	3.16%
Small Industries Development Bank Of India	Bond - Corporate Bond	₹98.58 Cr	3.09%
6.48% Gs 2035	Bond - Gov't/Treasury	₹98.47 Cr	3.09%
TATA Communications Limited	Bond - Corporate Bond	₹98.39 Cr	3.09%
Union Bank of India	Bond - Gov't Agency Debt	₹97.91 Cr	3.07%
6.79% Gs 2034	Bond - Gov't/Treasury	₹95.33 Cr	2.99%
HDFC Bank Ltd.	Bond - Corporate Bond	₹94.13 Cr	2.95%
National Bank For Agriculture And Rural Development	Bond - Corporate Bond	₹75.45 Cr	2.37%
Kotak Mahindra Prime Limited	Bond - Corporate Bond	₹75.38 Cr	2.36%
Poonawalla Fincorp Limited	Bond - Corporate Bond	₹74.87 Cr	2.35%
360 One Prime Ltd.	Bond - Corporate Bond	₹74.84 Cr	2.35%
Export Import Bank Of India	Bond - Corporate Bond	₹74.82 Cr	2.35%
Torrent Pharmaceuticals Ltd	Bond - Corporate Bond	₹69.9 Cr	2.19%
Muthoot Finance Limited	Bond - Corporate Bond	₹56.82 Cr	1.78%
LIC Housing Finance Ltd	Bond - Corporate Bond	₹51.78 Cr	1.62%
Rec Limited	Bond - Corporate Bond	₹51.6 Cr	1.62%
7.18% Gs 2033	Bond - Gov't/Treasury	₹51.32 Cr	1.61%
Power Finance Corporation Limited	Bond - Corporate Bond	₹50.7 Cr	1.59%
Muthoot Finance Limited	Bond - Corporate Bond	₹50.56 Cr	1.59%
Indian Railway Finance Corporation Limited	Bond - Corporate Bond	₹50.55 Cr	1.59%
Godrej Industries Limited	Bond - Corporate Bond	₹50.44 Cr	1.58%
Small Industries Development Bank Of India	Bond - Corporate Bond	₹50.31 Cr	1.58%
Rec Limited	Bond - Corporate Bond	₹50.26 Cr	1.58%
Small Industries Development Bank Of India	Bond - Corporate Bond	₹50.25 Cr	1.58%
Aditya Birla Renewables Limited	Bond - Corporate Bond	₹50.24 Cr	1.58%
Piramal Finance Limited	Bond - Corporate Bond	₹50.11 Cr	1.57%
Bajaj Housing Finance Limited	Bond - Corporate Bond	₹49.91 Cr	1.57%
Bajaj Finance Limited	Bond - Corporate Bond	₹49.8 Cr	1.56%
SIDDHIVINAYAK SECURITISATION TRUST	Bond - Asset Backed	₹49.78 Cr	1.56%
Canara Bank	Bond - Gov't Agency Debt	₹49.77 Cr	1.56%
Bharti Telecom Limited	Bond - Corporate Bond	₹49.68 Cr	1.56%
6.01% Gs 2030	Bond - Gov't/Treasury	₹49.32 Cr	1.55%
6.28% Gs 2032	Bond - Gov't/Treasury	₹49.13 Cr	1.54%
INDIA UNIVERSAL TRUST AL1	Bond - Asset Backed	₹27.37 Cr	0.86%
7.02% Gs 2031	Bond - Gov't/Treasury	₹25.55 Cr	0.80%
Piramal Finance Limited	Bond - Corporate Bond	₹25.19 Cr	0.79%
Mankind Pharma Limited	Bond - Corporate Bond	₹25.19 Cr	0.79%
Rec Limited	Bond - Corporate Bond	₹25.13 Cr	0.79%
Summit Digitel Infrastructure Limited	Bond - Corporate Bond	₹25.07 Cr	0.79%
Godrej Industries Limited	Bond - Corporate Bond	₹25.05 Cr	0.79%
Poonawalla Fincorp Limited	Bond - Corporate Bond	₹24.94 Cr	0.78%
Godrej Seeds & Genetics Limited	Bond - Corporate Bond	₹24.85 Cr	0.78%
Godrej Seeds & Genetics Limited	Bond - Corporate Bond	₹24.81 Cr	0.78%
Indian Railway Finance Corporation Limited	Bond - Corporate Bond	₹24.68 Cr	0.77%
Torrent Pharmaceuticals Ltd	Bond - Corporate Bond	₹24.01 Cr	0.75%
JM Financial Services Limited	Cash - Commercial Paper	₹23.09 Cr	0.72%
Embassy Office Parks Reit	Bond - Corporate Bond	₹14.94 Cr	0.47%
INDIA UNIVERSAL TRUST AL1	Bond - Asset Backed	₹12.14 Cr	0.38%
CORPORATE DEBT MARKET DEVT FUND - A2 UNITS	Mutual Fund - Open End	₹9.01 Cr	0.28%
INDIA UNIVERSAL TRUST AL1	Bond - Asset Backed	₹6.08 Cr	0.19%
Clearing Corporation Of India Ltd. Std - Margin	Cash - Repurchase Agreement	₹0.45 Cr	0.01%
08.19 RJ UDAY 2026	Bond - Gov't Agency Debt	₹0.01 Cr	0.00%

Allocation By Credit Quality (Debt)

AAA

Other Allocation

Equity Sector

Debt & Others

Instruments	Amount	Holdings
Bond - Corporate Bond	₹2,340.27 Cr	73.41%
Bond - Gov't/Treasury	₹369.13 Cr	11.58%
Cash	₹203.07 Cr	6.37%
Bond - Gov't Agency Debt	₹147.69 Cr	4.63%
Bond - Asset Backed	₹95.36 Cr	2.99%
Cash - Commercial Paper	₹23.09 Cr	0.72%
Mutual Fund - Open End	₹9.01 Cr	0.28%
Cash - Repurchase Agreement	₹0.45 Cr	0.01%

Risk & Performance Ratios

Fund Managers

Abhishek Sonthalia

Since November 2025

Additional Scheme Detailsas of 31st January 2026

ISIN

INF789F01XY0

Expense Ratio

0.37%

Exit Load

No Charges

Fund Size

₹3,188 Cr

Age

13 years 1 month

Lumpsum Minimum

₹500

Fund Status

Open Ended Investment Company

Benchmark

CRISIL Short Duration Debt A-II TR INR

Investment Objective

To seek to generate long-term capital growth from an actively managed portfolio primarily of Equity and Equity Related Securities. Scheme shall invest in Indian equities,foreign equities and related instruments and debt securities.

Tax Treatment

Capital Gains Taxation:

Dividend Taxation:

Note: As per the Income Tax Budget 2024, mutual funds are subject to capital gains taxation, which includes surcharge and cess based on prevailing income tax rules and the investor’s income. Taxation applies only to realised gains, not notional gains. Please consult your tax advisors to determine the implications or consequences of your investments in such securities.

Similar Short Duration Funds

Fund name	Expense Ratio	Exit Load	Fund size	1Y
JioBlackRock Short Duration Fund Direct Growth Low to Moderate Risk	-	0.0%	-	-
Union Short Duration Fund Direct Growth Low Risk	0.3%	0.0%	₹199.41 Cr	7.4%
Union Short Duration Fund Regular Growth Low Risk	0.4%	0.0%	₹199.41 Cr	7.0%
HSBC Short Duration Fund Direct Growth Low to Moderate Risk	0.3%	0.0%	₹4311.00 Cr	7.7%
Groww Short Duration Fund Direct Growth Low to Moderate Risk	0.3%	0.0%	₹98.73 Cr	7.7%
Groww Short Duration Fund Regular Growth Low to Moderate Risk	1.0%	0.0%	₹98.73 Cr	7.0%
Invesco India Short Term Fund Direct Growth Moderate Risk	0.3%	0.0%	₹1340.81 Cr	7.8%
ICICI Prudential Short Term Fund Direct Growth Moderate Risk	0.5%	0.0%	₹22707.35 Cr	8.2%
Sundaram Short Duration Fund Direct Growth Moderate Risk	0.3%	0.0%	₹197.74 Cr	7.6%
Bandhan Bond Fund - Short Term Plan Direct Growth Low to Moderate Risk	0.3%	0.0%	₹10155.00 Cr	7.6%
Nippon India Short Term Fund Direct Growth Low to Moderate Risk	0.4%	0.0%	₹8683.99 Cr	8.2%
Kotak Bond Fund Short Term Plan Direct Growth Low to Moderate Risk	0.4%	0.0%	₹17964.23 Cr	7.7%
LIC MF Short Duration Fund Direct Growth Low to Moderate Risk	0.4%	0.0%	₹260.41 Cr	7.8%
LIC MF Short Duration Fund Regular Growth Low to Moderate Risk	1.2%	0.0%	₹260.41 Cr	6.8%
Canara Robeco Short Duration Fund Regular Growth Low to Moderate Risk	1.0%	0.0%	₹426.09 Cr	6.5%
SBI Short Term Debt Fund Regular Growth Low to Moderate Risk	0.8%	0.0%	₹17219.19 Cr	7.4%
Bank of India S/T Income Regular Growth Low to Moderate Risk	1.0%	0.0%	₹293.02 Cr	6.6%
Baroda BNP Paribas Short Duration Fund Regular Growth Moderate Risk	1.1%	0.0%	₹276.78 Cr	7.1%
JM Short Duration Fund Direct Growth Moderate Risk	0.4%	0.0%	₹84.32 Cr	7.6%
JM Short Duration Fund Regular Growth Moderate Risk	1.1%	0.0%	₹84.32 Cr	6.8%
Invesco India Short Term Fund Regular Growth Moderate Risk	1.1%	0.0%	₹1340.81 Cr	7.0%
Axis Short Term Fund Direct Growth Low to Moderate Risk	0.4%	0.0%	₹11708.64 Cr	8.3%
UTI Short Term Income Fund Direct Growth Low to Moderate Risk	0.4%	0.0%	₹3188.06 Cr	7.5%
HDFC Short Term Debt Fund Direct Growth Low to Moderate Risk	0.4%	0.0%	₹17764.32 Cr	7.8%
Aditya Birla Sun Life Short Term Fund Direct Growth Low to Moderate Risk	0.4%	0.0%	₹10429.49 Cr	8.0%
Bank of India S/T Income Direct Growth Low to Moderate Risk	0.5%	0.0%	₹293.02 Cr	7.2%
Baroda BNP Paribas Short Duration Fund Direct Growth Moderate Risk	0.4%	0.0%	₹276.78 Cr	7.8%
SBI Short Term Debt Fund Direct Growth Low to Moderate Risk	0.4%	0.0%	₹17219.19 Cr	7.9%
Tata Short Term Bond Fund Direct Growth Moderate Risk	0.3%	0.0%	₹3282.35 Cr	7.2%
Canara Robeco Short Duration Fund Direct Growth Low to Moderate Risk	0.4%	0.0%	₹426.09 Cr	7.2%
DSP Short Term Fund Direct Growth Low to Moderate Risk	0.3%	0.0%	₹3881.28 Cr	7.5%
PGIM India Short Duration Fund Direct Growth Low to Moderate Risk	0.3%	0.0%	₹27.94 Cr	6.7%
HSBC Short Duration Fund Regular Growth Low to Moderate Risk	0.7%	0.0%	₹4311.00 Cr	7.3%
UTI Short Term Income Fund Regular Growth Low to Moderate Risk	0.8%	0.0%	₹3188.06 Cr	7.0%
TrustMF Short Term Fund Regular Growth Low to Moderate Risk	0.7%	0.0%	₹101.43 Cr	7.2%
TrustMF Short Term Fund Direct Growth Low to Moderate Risk	0.2%	0.0%	₹101.43 Cr	7.7%
Aditya Birla Sun Life Short Term Fund Regular Growth Low to Moderate Risk	1.0%	0.0%	₹10429.49 Cr	7.3%
Kotak Bond Fund Short Term Plan Regular Growth Low to Moderate Risk	1.1%	0.0%	₹17964.23 Cr	6.9%
Sundaram Short Duration Fund Regular Growth Moderate Risk	0.7%	0.0%	₹197.74 Cr	7.0%
DSP Short Term Fund Regular Growth Low to Moderate Risk	1.0%	0.0%	₹3881.28 Cr	6.9%
PGIM India Short Duration Fund Regular Growth Low to Moderate Risk	0.9%	0.0%	₹27.94 Cr	6.1%
HDFC Short Term Debt Fund Regular Growth Low to Moderate Risk	0.7%	0.0%	₹17764.32 Cr	7.5%
Nippon India Short Term Fund Regular Growth Low to Moderate Risk	0.9%	0.0%	₹8683.99 Cr	7.5%
Mahindra Manulife Short Duration Fund Direct Growth Low to Moderate Risk	0.4%	0.0%	₹96.31 Cr	7.9%
Mahindra Manulife Short Duration Fund Regular Growth Low to Moderate Risk	1.3%	0.0%	₹96.31 Cr	6.8%
ICICI Prudential Short Term Fund Regular Growth Moderate Risk	1.1%	0.0%	₹22707.35 Cr	7.6%
Mirae Asset Short Term Fund Direct Growth Low to Moderate Risk	0.2%	0.0%	₹593.31 Cr	7.7%
Bandhan Bond Fund - Short Term Plan Regular Growth Low to Moderate Risk	0.8%	0.0%	₹10155.00 Cr	7.1%
Tata Short Term Bond Fund Regular Growth Moderate Risk	1.2%	0.0%	₹3282.35 Cr	6.4%
Mirae Asset Short Term Fund Regular Growth Low to Moderate Risk	1.1%	0.0%	₹593.31 Cr	6.8%

About the AMC

UTI Mutual Fund

+91-22-6678 6666

https://www.utimf.com/

Total AUM

₹3,58,006 Cr

Address

UTI Towers, Gn Block, Mumbai, 400 051

Other Funds by UTI Mutual Fund

Fund name	Expense Ratio	Exit Load	Fund size	1Y
UTI Nifty500 Shariah Index Fund Direct Growth Very High Risk	-	0.0%	-	-
UTI Children's Equity Fund Direct Growth Very High Risk	1.2%	0.0%	₹1133.75 Cr	10.7%
UTI Multi Cap Fund Direct Growth Very High Risk	0.7%	1.0%	₹1846.20 Cr	-
UTI Income Plus Arbitrage Active Fund of Fund Direct Growth Moderately High risk	0.1%	0.0%	₹220.13 Cr	-
UTI Nifty India Manufacturing Index Fund Direct Growth Very High Risk	0.7%	0.0%	₹26.20 Cr	21.4%
UTI Nifty Midsmallcap 400 Momentum Quality 100 Index Fund Direct Growth Very High Risk	0.6%	0.0%	₹92.89 Cr	8.2%
UTI Quant Fund Direct Growth Very High Risk	0.4%	1.0%	₹1804.48 Cr	10.1%
UTI Nifty Alpha Low-Volatility 30 Index Fund Direct Growth Very High Risk	0.8%	0.0%	₹71.79 Cr	9.5%
UTI Nifty Midcap 150 Index Fund Direct Growth Very High Risk	0.7%	0.0%	₹59.95 Cr	19.8%
UTI Nifty Private Bank Index Fund Direct Growth Very High Risk	0.6%	0.0%	₹226.61 Cr	18.2%
UTI Nifty200 Quality 30 Index Fund Direct Growth Very High Risk	0.7%	0.0%	₹642.48 Cr	8.4%
UTI Innovation Fund Direct Growth Very High Risk	0.9%	1.0%	₹753.42 Cr	2.0%
UTI Fixed Income Interval Fund Annual Plan I Direct Growth Low Risk	-	0.0%	₹13.13 Cr	5.7%
UTI Fixed Term Income Fund - Series XXXV-I (1260 Days) Direct Growth Low Risk	-	0.0%	₹316.65 Cr	6.9%
UTI Fixed Term Income Fund - Series XXXV-III (1176 Days) Direct Growth Low to Moderate Risk	-	0.0%	₹42.79 Cr	6.7%
UTI FIIF Ser 2 Qt Interval V Direct Growth Low Risk	-	1.0%	₹2.20 Cr	6.3%
UTI Fixed Income Interval Fund Quarterly I Direct Growth Low Risk	-	0.0%	₹9.74 Cr	6.5%
UTI Fixed Inc Intvl Series2 Qt Intvl VI Direct Growth Moderate Risk	-	1.0%	₹8.54 Cr	6.8%
UTI-Fixed Term Income Fund - Series XXX-VI (1107 days) Direct Growth Low to Moderate Risk	-	0.0%	-	10.0%
UTI-Fixed Term Income Fund - Series XXX - VII (1294 days) Direct Growth Low to Moderate Risk	-	0.0%	-	-
UTI Fixed Term Income Fund - Series XXXV-II (1223 Days) Direct Growth Low Risk	-	-	₹176.51 Cr	6.9%
UTI Fixed Income Interval Fund Annual Plan III Direct Growth Low to Moderate Risk	-	0.0%	₹13.38 Cr	6.9%
UTI Fixed Term Income Fund - Series XXXVI-I (1574 days) Direct Growth Low to Moderate Risk	-	0.0%	₹57.60 Cr	8.0%
UTI Floater Fund Direct Growth Low to Moderate Risk	0.4%	0.0%	₹1581.52 Cr	7.3%
UTI Nifty 500 Value 50 Index Fund Direct Growth Very High Risk	0.6%	0.0%	₹588.95 Cr	33.9%
UTI Banking & PSU Debt Fund Direct Growth Low to Moderate Risk	0.2%	0.0%	₹1101.43 Cr	7.7%
UTI Focused Equity Fund Direct Growth Very High Risk	0.6%	1.0%	₹2517.92 Cr	11.6%
UTI Silver ETF Fund of Fund Direct Growth Very High Risk	0.2%	1.0%	₹750.24 Cr	134.2%
UTI Nifty200 Momentum 30 Index Fund Direct Growth Very High Risk	0.4%	0.0%	₹8446.22 Cr	11.9%
UTI Overnight Fund Direct Growth Low Risk	0.1%	0.0%	₹5559.39 Cr	5.6%
UTI Corporate Bond Fund Direct Growth Moderate Risk	0.3%	0.0%	₹5428.78 Cr	7.7%
UTI Nifty Midcap 150 Quality 50 Index Fund Direct Growth Very High Risk	0.6%	0.0%	₹234.42 Cr	11.4%
UTI Arbitrage Fund Direct Growth Low Risk	0.3%	0.0%	₹10956.71 Cr	7.0%
UTI Small Cap Fund Direct Growth Very High Risk	0.7%	1.0%	₹4544.91 Cr	10.7%
UTI Ultra Short Term Fund Direct Growth Moderate Risk	0.3%	0.0%	₹3879.04 Cr	7.1%
UTI Credit Risk Fund Direct Growth Moderately High risk	0.9%	1.0%	₹258.47 Cr	8.0%
UTI Dividend Yield Fund Direct Growth Very High Risk	1.4%	1.0%	₹3880.21 Cr	13.9%
UTI Banking and Financial Services Fund Direct Growth Very High Risk	1.1%	1.0%	₹1399.82 Cr	26.4%
UTI Dynamic Bond Fund Direct Growth Moderate Risk	0.8%	0.0%	₹425.14 Cr	6.7%
UTI Hybrid Equity Fund Direct Growth Very High Risk	1.2%	1.0%	₹6654.14 Cr	11.8%
UTI Long Term Equity Fund Direct Growth Very High Risk	0.9%	0.0%	₹3613.07 Cr	11.9%
UTI Flexi Cap Fund Direct Growth Very High Risk	1.1%	1.0%	₹23542.31 Cr	5.1%
UTI Bond Fund Direct Growth Moderately High risk	1.3%	0.0%	₹306.65 Cr	5.4%
UTI Liquid Fund Cash Plan Direct Growth Moderate Risk	0.1%	0.0%	₹24939.44 Cr	6.5%
UTI Gilt Fund Direct Growth Moderate Risk	0.4%	0.0%	₹519.90 Cr	5.6%
UTI India Consumer Fund Direct Growth Very High Risk	1.6%	1.0%	₹683.25 Cr	10.8%
UTI Infrastructure Fund Direct Growth Very High Risk	1.9%	1.0%	₹2110.89 Cr	16.6%
UTI MNC Fund Direct Growth Very High Risk	1.3%	1.0%	₹2754.85 Cr	12.5%
UTI Master Share Unit Scheme Direct Growth Very High Risk	0.9%	1.0%	₹12838.56 Cr	10.2%
UTI Regular Savings Fund Direct Growth Moderately High risk	1.3%	1.0%	₹1680.67 Cr	7.4%

Risk Level

Your principal amount will be at Low to Moderate Risk

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Still got questions?
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What is the current NAV of UTI Short Term Income Fund Direct Growth?

The NAV of UTI Short Term Income Fund Direct Growth, as of 17-Feb-2026, is ₹35.00.

What are the returns of UTI Short Term Income Fund Direct Growth?

The fund has generated 7.51% over the last 1 year and 7.91% over the last 3 years. However, this does not guarantee that the fund will perform similarly in the future.

What is the portfolio composition of UTI Short Term Income Fund Direct Growth?

The fund's allocation of assets is distributed as 0.00% in equities, 91.05% in bonds, and 8.67% in cash and cash equivalents.

Who manages the UTI Short Term Income Fund Direct Growth?

The fund managers responsible for UTI Short Term Income Fund Direct Growth are:-

Abhishek Sonthalia

Disclaimer: Mutual Fund investments are subject to market risks, read all scheme-related documents carefully. The NAVs of the schemes may go up or down depending upon the factors and forces affecting the securities market including the fluctuations in the interest rates. The past performance of the mutual funds is not necessarily indicative of the future performance of the schemes. Investors are requested to review the prospectus carefully and obtain expert professional advice with regard to specific legal, tax and financial implications of the investment/participation in the scheme.

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UTI Short Term Income Fund Direct Growth

Fund Overview