UTI Short Term Income Fund Direct Growth
DebtShort DurationLow to Moderate Risk
Direct
NAV (01-Jul-26)
Returns (Since Inception)
Fund Overview
Fund Size
₹2,405 Cr
Expense Ratio
0.40%
ISIN
INF789F01XY0
Minimum SIP
₹500
Exit Load
No Charges
Inception Date
01 Jan 2013
About this fund
As of 01-Jul-26, it has a Net Asset Value (NAV) of ₹35.83, Assets Under Management (AUM) of 2405.20 Crores, and an expense ratio of 0.4%.
- UTI Short Term Income Fund Direct Growth has given a CAGR return of 7.42% since inception.
- The fund's asset allocation comprises around 0.00% in equities, 91.79% in debts, and 7.78% 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
+5.72%
+5.12% (Cat Avg.)
3 Years
+7.61%
+7.13% (Cat Avg.)
5 Years
+7.69%
+6.40% (Cat Avg.)
10 Years
+6.63%
+6.29% (Cat Avg.)
Since Inception
+7.42%
— (Cat Avg.)
Portfolio Summaryas of 15th June 2026
| Debt | ₹2,207.65 Cr | 91.79% |
| Others | ₹197.55 Cr | 8.21% |
Top Holdings
All Holdings
Equity
Debt & Others
| Name | Type  | Amount | Holdings |
|---|---|---|---|
| Export Import Bank Of India | Bond - Corporate Bond | ₹124.78 Cr | 5.91% |
| Vedanta Limited | Bond - Corporate Bond | ₹98.39 Cr | 4.66% |
| Axis Bank Ltd. | Bond - Corporate Bond | ₹96.67 Cr | 4.58% |
| HDFC Bank Limited | Cash - CD/Time Deposit | ₹96.53 Cr | 4.57% |
| Piramal Finance Limited | Bond - Corporate Bond | ₹84.78 Cr | 4.02% |
| 360 One Prime Limited | Bond - Corporate Bond | ₹74.77 Cr | 3.54% |
| Poonawalla Fincorp Limited | Bond - Corporate Bond | ₹74.74 Cr | 3.54% |
| Net Current Assets | Cash | ₹67.46 Cr | 3.20% |
| Rec Limited | Bond - Corporate Bond | ₹51.49 Cr | 2.44% |
| LIC Housing Finance Ltd | Bond - Corporate Bond | ₹51.26 Cr | 2.43% |
| 7.18% Govt Stock 2033 | Bond - Gov't/Treasury | ₹51.05 Cr | 2.42% |
| Indian Railway Finance Corporation Limited | Bond - Corporate Bond | ₹50.5 Cr | 2.39% |
| Power Finance Corporation Limited | Bond - Corporate Bond | ₹50.47 Cr | 2.39% |
| 6.94% Govt Stock 2036 | Bond - Gov't/Treasury | ₹50.24 Cr | 2.38% |
| National Housing Bank | Bond - Corporate Bond | ₹50.18 Cr | 2.38% |
| Aditya Birla Renewables Limited | Bond - Corporate Bond | ₹50.17 Cr | 2.38% |
| National Bank For Agriculture And Rural Development | Bond - Corporate Bond | ₹50.16 Cr | 2.38% |
| Rec Limited | Bond - Corporate Bond | ₹50.15 Cr | 2.37% |
| Small Industries Development Bank Of India | Bond - Corporate Bond | ₹50.08 Cr | 2.37% |
| Export Import Bank Of India | Bond - Corporate Bond | ₹50.05 Cr | 2.37% |
| Bajaj Housing Finance Limited | Bond - Corporate Bond | ₹49.81 Cr | 2.36% |
| Bajaj Finance Limited | Bond - Corporate Bond | ₹49.62 Cr | 2.35% |
| Bharti Telecom Limited | Bond - Corporate Bond | ₹49.59 Cr | 2.35% |
| 6.01% Govt Stock 2030 | Bond - Gov't/Treasury | ₹49.4 Cr | 2.34% |
| SIDDHIVINAYAK SECURITISATION TRUST | Bond - Asset Backed | ₹49.29 Cr | 2.33% |
| 6.28% Govt Stock 2032 | Bond - Gov't/Treasury | ₹49.24 Cr | 2.33% |
| Indusind Bank Ltd. | Bond - Corporate Bond | ₹48.24 Cr | 2.28% |
| INDIA UNIVERSAL TRUST AL1 | Bond - Asset Backed | ₹26.54 Cr | 1.26% |
| 7.02% Govt Stock 2031 | Bond - Gov't/Treasury | ₹25.5 Cr | 1.21% |
| Piramal Finance Limited | Bond - Corporate Bond | ₹25.12 Cr | 1.19% |
| National Bank For Agriculture And Rural Development | Bond - Corporate Bond | ₹25.06 Cr | 1.19% |
| National Bank For Agriculture And Rural Development | Bond - Corporate Bond | ₹25.05 Cr | 1.19% |
| National Bank For Agriculture And Rural Development | Bond - Corporate Bond | ₹25.02 Cr | 1.18% |
| Summit Digitel Infrastructure Limited | Bond - Corporate Bond | ₹25.01 Cr | 1.18% |
| Rec Limited | Bond - Corporate Bond | ₹25.01 Cr | 1.18% |
| Uttar Pradesh State Development Loans | Bond - Gov't/Treasury | ₹24.94 Cr | 1.18% |
| Poonawalla Fincorp Limited | Bond - Corporate Bond | ₹24.89 Cr | 1.18% |
| Maharashtra State Development Loans | Bond - Gov't/Treasury | ₹24.89 Cr | 1.18% |
| Bajaj Housing Finance Limited | Bond - Corporate Bond | ₹24.74 Cr | 1.17% |
| Bajaj Finance Limited | Bond - Corporate Bond | ₹24.68 Cr | 1.17% |
| Indian Railway Finance Corporation Limited | Bond - Corporate Bond | ₹24.68 Cr | 1.17% |
| 6.48% Govt Stock 2035 | Bond - Gov't/Treasury | ₹24.32 Cr | 1.15% |
| Embassy Office Parks Reit | Bond - Corporate Bond | ₹14.92 Cr | 0.71% |
| INDIA UNIVERSAL TRUST AL1 | Bond - Asset Backed | ₹11.38 Cr | 0.54% |
| State Government Of Karnataka | Bond - Gov't/Treasury | ₹11.2 Cr | 0.53% |
| 6.79% Govt Stock 2034 | Bond - Gov't/Treasury | ₹9.96 Cr | 0.47% |
| Bihar State Development Loans | Bond - Gov't/Treasury | ₹9.92 Cr | 0.47% |
| Corporate Debt Market Devt Fund - A2 Units | Mutual Fund - Unspecified | ₹9.18 Cr | 0.43% |
| Clearing Corporation Of India Ltd. Std - Margin | Cash - Repurchase Agreement | ₹0.24 Cr | 0.01% |
| INDIA UNIVERSAL TRUST AL1 | Bond - Asset Backed | ₹0.13 Cr | 0.01% |
| 08.19 RJ UDAY 2026 | Bond - Gov't Agency Debt | ₹0.01 Cr | 0.00% |
Allocation By Credit Quality (Debt)
AAA
AA
Other Allocation
Equity Sector
Debt & Others
| Instruments | Amount | Holdings |
|---|---|---|
| Bond - Corporate Bond | ₹1,520.06 Cr | 71.99% |
| Bond - Gov't/Treasury | ₹330.67 Cr | 15.66% |
| Cash - CD/Time Deposit | ₹96.53 Cr | 4.57% |
| Bond - Asset Backed | ₹87.33 Cr | 4.14% |
| Cash | ₹67.46 Cr | 3.20% |
| Mutual Fund - Unspecified | ₹9.18 Cr | 0.43% |
| Cash - Repurchase Agreement | ₹0.24 Cr | 0.01% |
| Bond - Gov't Agency Debt | ₹0.01 Cr | 0.00% |
Risk & Performance Ratios
Standard Deviation
This fund
1.26%
Cat. avg.
1.44%
Lower the better
Sharpe Ratio
This fund
0.86
Cat. avg.
0.19
Higher the better
Sortino Ratio
This fund
--
Cat. avg.
0.38
Higher the better
Fund Managers
Abhishek Sonthalia
Since November 2025
Additional Scheme Detailsas of 15th June 2026
ISIN INF789F01XY0 | Expense Ratio 0.40% | Exit Load No Charges | Fund Size ₹2,405 Cr | Age 13 years 6 months | 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 Moderate Risk | 0.3% | 0.0% | ₹143.30 Cr | - |
| Union Short Duration Fund Direct Growth Low to Moderate Risk | 0.3% | 0.0% | ₹109.66 Cr | 5.6% |
| Union Short Duration Fund Regular Growth Low to Moderate Risk | 0.7% | 0.0% | ₹109.66 Cr | 5.2% |
| HSBC Short Duration Fund Direct Growth Low to Moderate Risk | 0.3% | 0.0% | ₹3844.35 Cr | 5.7% |
| Groww Short Duration Fund Direct Growth Moderate Risk | 0.3% | 0.0% | ₹93.62 Cr | 5.8% |
| Groww Short Duration Fund Regular Growth Moderate Risk | 1.1% | 0.0% | ₹93.62 Cr | 5.0% |
| Invesco India Short Term Fund Direct Growth Moderate Risk | 0.3% | 0.0% | ₹728.36 Cr | 5.8% |
| ICICI Prudential Short Term Fund Direct Growth Low to Moderate Risk | 0.4% | 0.0% | ₹21228.52 Cr | 6.8% |
| Sundaram Short Duration Fund Direct Growth Low to Moderate Risk | 0.3% | 0.0% | ₹186.76 Cr | 5.8% |
| Bandhan Bond Fund - Short Term Plan Direct Growth Low to Moderate Risk | 0.3% | 0.0% | ₹8326.50 Cr | 6.3% |
| Nippon India Short Term Fund Direct Growth Low to Moderate Risk | 0.3% | 0.0% | ₹7246.59 Cr | 6.2% |
| Kotak Bond Fund Short Term Plan Direct Growth Low to Moderate Risk | 0.4% | 0.0% | ₹15287.24 Cr | 5.7% |
| LIC MF Short Duration Fund Direct Growth Low to Moderate Risk | 0.3% | 0.0% | ₹129.66 Cr | 5.9% |
| LIC MF Short Duration Fund Regular Growth Low to Moderate Risk | 1.0% | 0.0% | ₹129.66 Cr | 5.0% |
| Canara Robeco Short Duration Fund Regular Growth Low to Moderate Risk | 0.8% | 0.0% | ₹295.94 Cr | 4.9% |
| SBI Short Term Debt Fund Regular Growth Low to Moderate Risk | 0.9% | 0.0% | ₹13839.20 Cr | 5.3% |
| Bank of India S/T Income Regular Growth Low to Moderate Risk | 1.0% | 0.0% | ₹266.69 Cr | 5.2% |
| Baroda BNP Paribas Short Duration Fund Regular Growth Low to Moderate Risk | 0.9% | 0.0% | ₹258.67 Cr | 4.9% |
| JM Short Duration Fund Direct Growth Low to Moderate Risk | 0.3% | 0.0% | ₹79.59 Cr | 5.5% |
| JM Short Duration Fund Regular Growth Low to Moderate Risk | 0.9% | 0.0% | ₹79.59 Cr | 4.8% |
| Invesco India Short Term Fund Regular Growth Moderate Risk | 0.9% | 0.0% | ₹728.36 Cr | 5.1% |
| Axis Short Term Fund Direct Growth Low to Moderate Risk | 0.4% | 0.0% | ₹8734.20 Cr | 6.4% |
| UTI Short Term Income Fund Direct Growth Low to Moderate Risk | 0.4% | 0.0% | ₹2405.20 Cr | 5.7% |
| HDFC Short Term Debt Fund Direct Growth Low to Moderate Risk | 0.4% | 0.0% | ₹14864.06 Cr | 6.1% |
| Aditya Birla Sun Life Short Term Fund Direct Growth Low to Moderate Risk | 0.3% | 0.0% | ₹6824.55 Cr | 6.3% |
| Bank of India S/T Income Direct Growth Low to Moderate Risk | 0.5% | 0.0% | ₹266.69 Cr | 5.8% |
| Baroda BNP Paribas Short Duration Fund Direct Growth Low to Moderate Risk | 0.4% | 0.0% | ₹258.67 Cr | 5.6% |
| SBI Short Term Debt Fund Direct Growth Low to Moderate Risk | 0.4% | 0.0% | ₹13839.20 Cr | 5.8% |
| Tata Short Term Bond Fund Direct Growth Low to Moderate Risk | 0.3% | 0.0% | ₹2989.09 Cr | 5.4% |
| Canara Robeco Short Duration Fund Direct Growth Low to Moderate Risk | 0.3% | 0.0% | ₹295.94 Cr | 5.6% |
| DSP Short Term Fund Direct Growth Low to Moderate Risk | 0.3% | 0.0% | ₹3244.91 Cr | 5.7% |
| 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 | 0.6% | 0.0% | ₹3844.35 Cr | 5.4% |
| UTI Short Term Income Fund Regular Growth Low to Moderate Risk | 0.8% | 0.0% | ₹2405.20 Cr | 5.2% |
| TrustMF Short Term Fund Regular Growth Low to Moderate Risk | 0.6% | 0.0% | ₹57.56 Cr | 4.9% |
| TrustMF Short Term Fund Direct Growth Low to Moderate Risk | 0.2% | 0.0% | ₹57.56 Cr | 5.5% |
| Aditya Birla Sun Life Short Term Fund Regular Growth Low to Moderate Risk | 0.8% | 0.0% | ₹6824.55 Cr | 5.7% |
| Kotak Bond Fund Short Term Plan Regular Growth Low to Moderate Risk | 1.1% | 0.0% | ₹15287.24 Cr | 4.9% |
| Sundaram Short Duration Fund Regular Growth Low to Moderate Risk | 0.8% | 0.0% | ₹186.76 Cr | 5.2% |
| DSP Short Term Fund Regular Growth Low to Moderate Risk | 0.8% | 0.0% | ₹3244.91 Cr | 5.0% |
| 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% | ₹14864.06 Cr | 5.8% |
| Nippon India Short Term Fund Regular Growth Low to Moderate Risk | 0.8% | 0.0% | ₹7246.59 Cr | 5.6% |
| Mahindra Manulife Short Duration Fund Direct Growth Low to Moderate Risk | 0.3% | 0.0% | ₹83.31 Cr | 6.6% |
| Mahindra Manulife Short Duration Fund Regular Growth Low to Moderate Risk | 1.1% | 0.0% | ₹83.31 Cr | 5.6% |
| ICICI Prudential Short Term Fund Regular Growth Low to Moderate Risk | 0.9% | 0.0% | ₹21228.52 Cr | 6.1% |
| Mirae Asset Short Term Fund Direct Growth Low to Moderate Risk | 0.2% | 0.0% | ₹543.59 Cr | 5.7% |
| Bandhan Bond Fund - Short Term Plan Regular Growth Low to Moderate Risk | 0.7% | 0.0% | ₹8326.50 Cr | 5.8% |
| Tata Short Term Bond Fund Regular Growth Low to Moderate Risk | 1.0% | 0.0% | ₹2989.09 Cr | 4.6% |
| Mirae Asset Short Term Fund Regular Growth Low to Moderate Risk | 0.9% | 0.0% | ₹543.59 Cr | 4.8% |
About the AMC
UTI Mutual Fund
Total AUM
₹3,62,105 Cr
Address
UTI Towers, Gn Block, Mumbai, 400 051
Other Funds by UTI Mutual Fund
Risk Level
Your principal amount will be at Low to Moderate Risk
Take control of your wealth
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- Abhishek Sonthalia
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