Investment Objective and Approach

The scheme seeks to generate reasonable income for its investors consistent with high liquidity by investing in a portfolio of debt & money market instruments. UTI Low Duration Fund - Regular Plan is mandated to invest in bonds such that the duration of the portfolio is between six to twelve months, making it suitable for short-term investment horizons.

Low Duration debt funds invest in bonds maturing in six months to a year. They aim to earn slightly better returns than what you can get from a bank account or a short duration fixed deposit. The fund focuses on maintaining high liquidity while generating reasonable returns through careful selection of high-quality debt instruments.

Key investment approach features:

- Investment in AAA/A1+ rated securities for safety

- Portfolio duration maintained between 6-12 months

- Focus on government securities and high-grade corporate bonds

- Active duration management to optimize risk-return balance

Fund Managers

Sudhir Agrawal is the Current Fund Manager of UTI Low Duration Fund Direct Growth fund. Mr. Agrawal brings extensive experience in fixed income management and has been responsible for managing the fund's strategic asset allocation decisions.

Additionally, Anurag Mittal is Chartered Accountant from the Institute of Chartered Accountants of India. He started his career with Bank of America and worked at various firms including ICICI Prudential Life Insurance, Axis Mutual Fund, HDFC and IDFC before moving to UTI Mutual Fund as the Deputy Head - Fixed Income.

About the Fund House (AMC)

UTI Mutual Fund has a rich legacy as one of India's pioneering asset management companies. In 2003, the Unit Trust of India was bifurcated into two components- the SUUTI and the UTI Mutual Funds or UTIMF. The UTI Mutual Fund was registered with the SEBI on the First of February 2003.

4 of the largest PSU banks now back this Mutual Fund. All UTI Mutual Funds are managed by the UTI Asset Management Company Ltd. The 4 big partners- State Bank of India, the PNB or Punjab National Bank, Bank of Baroda, and the Life Insurance Corporation of India each holds 18.24% of the shares in the UTIMF. A significant share of 26% is held by the T Rowe Price Group Inc, also known as the TRP Grou, and controlled by its subsidiary - T Rowe Price Global Investment Services Ltd.

Key AMC highlights:

- Its investors number nearly 11 million and there are over 250 plans currently operational with a total AuM of nearly Rs 238790 Crores (as of 2025)

- Strong backing from major PSU banks and international partners

- Extensive experience in debt fund management

- The fund managers at UTI Asset Management, which manages the Mutual Funds, have divested widely and are involved in a wide array of businesses, including retirement solutions, portfolio management solutions, International Banking and alternative assets management.

Should I Invest in UTI Low Duration Fund?

UTI Low Duration Fund is suitable for investors seeking:

Ideal For:

- Conservative investors looking for slightly better returns than savings accounts

- investors who need to park their money for a short period of time, such as 1-3 years

- Those requiring high liquidity with minimal risk

- Investors wanting to diversify their debt portfolio

Key Considerations:

- The risk of incurring a loss in these funds is negligible but they do not guarantee returns or safety of capital.

- the fund is not suitable for investors who are looking for high returns or who are not comfortable with the volatility of the debt market

- Better suited for short-term goals rather than long-term wealth creation

Fund Performance Metrics:

- UTI Low Duration Fund - Regular Plan is 22 years 0 months old. It has delivered 7.18% returns since inception.

- The expense ratio of UTI Low Duration Fund - Regular Plan is 0.46

- The fund currently has an Asset Under Management(AUM) of ₹3,25,385 Cr and the Latest NAV as of 07 Mar 2025 is ₹3,501.89

Investment Approach:

The investment objective of the UTI Treasury Advantage Fund Direct Plan Growth is to generate reasonable returns with low volatility over the short-term by investing in a diversified portfolio of quality debt and money market instruments (predominantly in securities/instruments being rated as AAA/A1+).

FAQs

What is today's NAV of UTI Low Duration Fund?

The NAV changes daily based on market conditions. You can check the current NAV on Allvest platform or the fund house website for real-time updates.

What is the AUM of UTI Low Duration Fund?

The AUM of UTI Low Duration Fund, is ₹3236.69 crore. This figure is updated monthly and reflects the total assets managed by the fund.

What is the expense ratio of UTI Low Duration Fund?

The expense ratio of UTI Low Duration Fund - Regular Plan is 0.46% annually, which covers fund management and operational expenses.

What are the returns of UTI Low Duration Fund since inception?

It has delivered 7.18% returns since inception. This represents the annualized return over the fund's 22-year history.

What is the minimum SIP amount to invest in UTI Low Duration Fund?

The minimum SIP amount is typically ₹500 per month. You can start investing with small amounts through systematic investment plans.

How do I invest in UTI Low Duration Fund?

You can invest through Allvest platform by completing your KYC, selecting the fund, choosing investment amount, and confirming your investment online.

How to start a SIP in UTI Low Duration Fund?

Log into your Allvest account, select UTI Low Duration Fund, choose "Start SIP" option, set monthly amount and date, then authorize the mandate for automated investments.

How do I automate an SIP in UTI Low Duration Fund?

Set up an auto-debit mandate through Allvest platform by providing bank account details and authorization. The SIP will automatically deduct the specified amount monthly.

How can I withdraw/redeem my investment in UTI Low Duration Fund?

You can redeem online through Allvest platform by selecting the fund and entering redemption amount. The proceeds will be credited to your registered bank account within 1-2 business days.