UTI 10 year Constant Maturity Gilt Fund
This is the Regular plan of UTI 10 year Constant Maturity Gilt Fund — bought through a distributor, whose commission is paid out of its expense ratio. Income is distributed at a frequency the investor picks, which is why this NAV sits below the growth plan of the same fund.
NAV history
Scorecard
Not ratedHow this is computed
Each verdict is computed from this fund's own metrics against its sub-category — the number behind it is shown, not a black-box rating. Not rated — too few comparable Debt funds (same plan and option) to rank against yet.
Not enough 10-year Constant Maturity Gilt Fund peers to rank yet
Volatility 2.8% (no category average yet)
0.8% expense (no category average yet)
100% of rolling 3Y windows were positive
Strengths & concerns
Generated from this fund's own numbers against its sub-category — each point names the figure behind it.
Strengths
- Consistent — positive in 100% of rolling 3-year windows
Concerns
No significant concerns identified.
Key Metrics
Scheme Info
DefinitionsPeriod returns (<1Y, absolute — not annualized)
DefinitionsAnnualized returns (≥1Y — CAGR)
DefinitionsAdvanced metrics — risk
Fund vs category average (10-year Constant Maturity Gilt Fund)
| Period | Fund | Category avg. | Diff |
|---|---|---|---|
| 1M abs | -1.19% | — | — |
| 3M abs | -1.32% | — | — |
| 6M abs | +2.25% | — | — |
| 1Y CAGR | +1.92% | — | — |
| 3Y CAGR | +6.14% | — | — |
| 5Y CAGR | — | — | — |
Category average across peers in 10-year Constant Maturity Gilt Fund, same plan and option, excluding this fund. Under-1-year figures are absolute; 1Y and beyond are annualised (CAGR).
Not sure what a figure means? The glossary explains every metric, and the methodology shows the formulas.
Backtest this fund
What a SIP or one-time investment would have grown to over this fund’s real NAV history.
36 monthly installments of ₹10,000 into UTI 10 year Constant Maturity Gilt Fund, valued at the latest NAV. XIRR annualizes for each installment’s timing.
Calendar-year returns
What the fund actually returned in each year, not the smoothed average.
| Year | Fund | |
|---|---|---|
| 2026part | +1.08% | |
| 2025 | +6.58% | |
| 2024 | +9.04% | |
| 2023 | +7.29% | |
| 2022part | +2.04% |
January–December, from this fund's NAV history. Absolute return, not annualised. “part” marks a year the fund didn't run end to end — its first year, the current year so far, or one it stopped reporting in.
Taxation
Taxed as debtThis is a debt / non-equity fund. Since April 2023 there is no long-term or indexation benefit — every rupee of gain is added to your income and taxed at your income-tax slab rate, whatever the holding period.
Your income-tax slab — no LTCG or indexation benefit
Pick your slab to see the rate that applies to you.
Applies to capital gains on redemption. Excludes IDCW/dividend tax, STT, surcharge and cess, and pre-2018 equity grandfathering. For research only — consult a tax advisor before filing.
Asset allocation
As on 31 Aug 2026 · AMC disclosure- Debt95.10%
- Cash & Equivalents4.66%
AMC Profile
UTI Mutual Fund descends from the Unit Trust of India, which was effectively the whole Indian mutual fund industry from 1963 until private managers were allowed in. It was carved out as a SEBI-registered fund house in 2003, is listed on the exchanges, and is held by SBI, LIC, Bank of Baroda, PNB and T. Rowe Price rather than a single parent.
Fund Managers
JBJaydeep BhowalStart date not disclosed
Vice President– Fixed Income
B.Com, CA, PGDFM
He began his career with UTI in November 2009. He has more than 15 years of experience at UTI in various roles and currently working as Dealer in Department of Fund Management – Fixed Income.
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Fund manager, benchmark and dealing terms from this scheme's SEBI-filed Scheme Information Document on AMFI. Each manager's qualifications and role are reconciled across every filing this fund house makes for them, including its Statement of Additional Information. Total AUM via AMFI.
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Returns and risk are computed from NAV history and may differ slightly from other portals due to methodology (rolling vs point-to-point, dividend treatment). For research only — not investment advice.
About Gilt funds
Gilt funds lend only to the government, so they carry no credit risk. Their prices do move with interest rates, though — they can swing when rate expectations change.
Frequently asked questions
What is the NAV of UTI 10 year Constant Maturity Gilt Fund?
As of 01 Oct 2026, the NAV of UTI 10 year Constant Maturity Gilt Fund is ₹12.95 per unit. NAV (net asset value) is the fund's per-unit price, published once each business day.
What returns has UTI 10 year Constant Maturity Gilt Fund delivered?
UTI 10 year Constant Maturity Gilt Fund has returned +1.92% over 1 year, +6.14% per year over 3 years and +6.23% per year since inception. Figures beyond one year are annualised (CAGR) and are computed from AMFI NAV history, so they may differ slightly from other portals.
What is the expense ratio of UTI 10 year Constant Maturity Gilt Fund?
UTI 10 year Constant Maturity Gilt Fund charges an expense ratio of 0.77% per year. This annual fee is already deducted from the NAV, so the returns you see are net of it.
What are the top holdings of UTI 10 year Constant Maturity Gilt Fund?
UTI 10 year Constant Maturity Gilt Fund's largest holdings are 06.94% GSEC Mat- 11/05/2036 (44.6%), 6.79% GOVT BONDS - 07/10/2034 (13.3%), 06.48% GSEC Mat- 06/10/2035 (13.0%), 07.18% GSEC MAT -24/07/2037 (12.7%) and 6.68% GSEC MAT- 07/07/2040 (8.6%). Holdings are disclosed monthly and change over time.
How risky is UTI 10 year Constant Maturity Gilt Fund?
UTI 10 year Constant Maturity Gilt Fund is rated moderate on SEBI's risk-o-meter, its trailing-3Y volatility (annualised) is 2.8% and its worst peak-to-trough fall in our sample was -2.8%. Higher volatility means the NAV swings more; the drawdown shows how far it has fallen from a peak historically.
What does the Sharpe ratio of -0.13 mean?
The Sharpe ratio is return earned per unit of total risk, above a 6.5% risk-free rate. UTI 10 year Constant Maturity Gilt Fund's -0.13 means it has not compensated investors for its volatility over the window. Higher is better.
What is the benchmark of UTI 10 year Constant Maturity Gilt Fund?
UTI 10 year Constant Maturity Gilt Fund is benchmarked against the CRISIL 10 Year Gilt Index. Its alpha and beta on this page are measured against that index.
Who manages UTI 10 year Constant Maturity Gilt Fund?
UTI 10 year Constant Maturity Gilt Fund is managed by Jaydeep Bhowal at UTI.
How is UTI 10 year Constant Maturity Gilt Fund taxed?
UTI 10 year Constant Maturity Gilt Fund is a debt / non-equity fund. Since April 2023 there is no long-term or indexation benefit — capital gains are added to your income and taxed at your income-tax slab rate regardless of how long you held the units.