DebtLong Term FundDirectIDCWModerate

UTI Long Term Fund

Q: What is the NAV of UTI Long Term Fund?

As of 05 Oct 2026, the NAV of UTI Long Term Fund is ₹12.21 per unit. NAV (net asset value) is the fund's per-unit price, published once each business day.

Q: What returns has UTI Long Term Fund delivered?

UTI Long Term Fund has returned +0.65% over 1 year, +5.40% per year over 3 years and +5.74% 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.

Q: What is the expense ratio of UTI Long Term Fund?

UTI Long Term Fund charges an expense ratio of 0.09% per year. This annual fee is already deducted from the NAV, so the returns you see are net of it.

Q: What are the top holdings of UTI Long Term Fund?

UTI Long Term Fund's largest holdings are 6.90% GSEC MAT - 15/04/2065 (50.8%), 7.24% GSEC MAT- 18/08/2055 (21.5%), 7.09% GS MAT - 05/08/2054 (10.6%), 7.23% GSEC MAT- 15/04/2039 (1.1%) and CORPORATE DEBT MARKET DEVT FUND - A2 UNITS (0.5%). Holdings are disclosed monthly and change over time.

Q: How risky is UTI Long Term Fund?

UTI Long Term Fund is rated moderate on SEBI's risk-o-meter, its trailing-3Y volatility (annualised) is 4.0% and its worst peak-to-trough fall in our sample was -5.7%. Higher volatility means the NAV swings more; the drawdown shows how far it has fallen from a peak historically.

Q: What does the Sharpe ratio of -0.28 mean?

The Sharpe ratio is return earned per unit of total risk, above a 6.5% risk-free rate. UTI Long Term Fund's -0.28 means it has not compensated investors for its volatility over the window. Higher is better.

Q: What is the benchmark of UTI Long Term Fund?

UTI Long Term Fund is benchmarked against the Nifty Long Duration Debt Index A-III. Its alpha and beta on this page are measured against that index.

Q: Who manages UTI Long Term Fund?

UTI Long Term Fund is managed by Pankaj Pathak at UTI.

Q: How is UTI Long Term Fund taxed?

UTI Long Term 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.

UTI Mutual Fund

NAV

₹12.21

+0.03% 1D

as of 05 Oct 2026

This is the Direct plan of UTI Long Term Fund — bought from the fund house, with no distributor commission in its expense ratio. Income is distributed twice a year, which is why this NAV sits below the growth plan of the same fund.

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NAV history

+0.31%absolute

52-week rangePrev NAV ₹12.21

Latest ₹12.21

Low ₹11.7560th percentile of its 52-week rangeHigh ₹12.52

Scorecard

Not rated

How 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.

Performance—

Not enough Long Term Fund peers to rank yet

Risk—

Volatility 4.0% (no category average yet)

Cost—

0.1% expense (no category average yet)

ConsistencyHigh

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

Annual fee charged by the fund, already deducted from NAV

0.09%

Category —

Portfolio-weighted harmonic mean P/E across the fund's equity holdings

—

Category —

Excess return per unit of total volatility (rf = 6.5%)

-0.28

Category —

Scheme Info

Definitions

Plan

Direct · IDCW

Period before units can be redeemed — 3 years for ELSS, none for most open-ended funds

None

Exit Load

None

Statutory levy on every mutual-fund purchase since 1 Jul 2020 (SEBI / Govt of India) — the same for every scheme

0.005%

SIP Inv.

Allowed

Smallest recurring SIP instalment the scheme accepts

₹500

Smallest one-time (lumpsum) investment the scheme accepts

₹5,000

Nifty Long Duration Debt Index A-III

Start of our NAV history for this plan. Direct plans begin 1 Jan 2013, so this is the plan's inception — not necessarily the scheme's original launch date.

21 Mar 2023

Period returns (<1Y, absolute — not annualized)

Definitions

Absolute return over the last 1 month (not annualized)

-0.48%

Absolute return over the last 3 months (not annualized)

-1.81%

Absolute return over the last 6 months (not annualized)

+3.92%

Absolute return since 1 Jan of this year (not annualized)

+0.65%

Annualized returns (≥1Y — CAGR)

Definitions

1-year point-to-point return, annualized (CAGR)

+0.65%

3-year annualized return (CAGR)

+5.40%

5-year annualized return (CAGR)

—

10-year annualized return (CAGR)

—

Annualized return (CAGR) since the first NAV we hold for this plan — the Inception date under Key metrics. AMFI's history starts in April 2006, so an older scheme is measured from there.

+5.74%

Advanced metrics — risk

Risk (trailing 3Y)

Definitions

Annualized standard deviation of daily returns

4.00%

Excess return per unit of total volatility (rf = 6.5%)

-0.28

Excess return per unit of downside deviation — upside swings aren't penalized (rf = 6.5%)

-0.38

Largest peak-to-trough decline over full history

-5.68%

Benchmark ratios

Not shown for Long Term Fund — a debt, arbitrage or cash-like fund isn't measured against an equity index, so alpha/beta vs one would be noise rather than signal.

Fund vs category average (Long Term Fund)

Period	Fund	Category avg.	Diff
1M abs	-0.48%	—	—
3M abs	-1.81%	—	—
6M abs	+3.92%	—	—
1Y CAGR	+0.65%	—	—
3Y CAGR	+5.40%	—	—
5Y CAGR	—	—	—

Category average across peers in Long Term 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.

Monthly investment (₹)

Period

Invested

₹3.60L

Current value

₹3.75L

Absolute

+4.07%

XIRR

+2.75%

Value vs. invested

ValueInvested

36 monthly installments of ₹10,000 into UTI Long Term 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	+0.65%
2025	+2.77%
2024	+11.25%
2023part	+5.92%

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.

History points

854

Expense ratio

0.09%

YTM (from holdings)

7.61%

Average maturity

29.69 years

Exit load

NIL

Taxation

Taxed as debt

This 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.

Any holding period

30%

Short- and long-term alike

Your income-tax slab — no LTCG or indexation benefit

Your income-tax slab

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.

Peer comparison · Long Term Fund

Compare all


UTI Long Term FundThis fund UTI · Direct · Half-Yearly IDCW	—	+0.65%	+5.40%	—	—	0.09%	—
SBI Long Term Fund SBI · Direct · IDCW	—	+1.22%	+6.12%	—	—	0.32%	—
Nippon India Nivesh Lakshya Long Term Fund Nippon India · Direct · IDCW	—	+0.40%	+5.87%	+5.40%	—	0.33%	—
Axis Long Term Fund Axis · Direct · Annual IDCW	—	+0.78%	+5.56%	—	—	0.33%	—
UTI Long Term Fund UTI · Direct · Quarterly IDCW	—	+0.65%	+5.40%	—	—	0.09%	—
Axis Long Term Fund Axis · Direct · Quarterly IDCW	—	+0.16%	+4.89%	—	—	0.33%	—

Asset allocation

As on 31 Aug 2026 · AMC disclosure

Debt84.44%
Cash & Equivalents15.45%

Worst falls, and the wait to get back

How far this fund has dropped from a high, and how long it took to reclaim it.

-5.7%16 May 2025 → 02 Apr 2026
Fell over 11 months, back to the old high on 12 Aug 2026 — 4 months under water after the low.

Measured on this fund’s own NAV history, peak to trough to the day it regained the peak. Falls shallower than 5% are left out. A recovery date is when the NAV got back, not when any particular investor did — that depends on when they bought.

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.

Launched

13 Nov 2002

Total AUM

₹3,92,691Cr+1.1% QoQ

Avg AUM · April - June 2026

Website

utimf.com

Fund Managers

PPPankaj PathakManaging since 03 Nov 2025

Education

CFA, PGDM

Experience

associated with Bank of as Senior Manager handling Income Securities and November 2025

Funds managed (6)

All schemes Pankaj Pathak runs →

Fund managers from the AMC's filed Scheme Summary — its most recent filing for this scheme. Benchmark and dealing terms from it and 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.

Explore from here

Fund managers

Pankaj Pathak

UTI in the news

Headlines about the fund house, not this scheme in particular — highlights only; tap through to read the full story at the source.

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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 Debt funds

Debt funds lend to governments and companies and earn interest. They're generally steadier than equity funds and are used for shorter horizons and stability.

Frequently asked questions

What is the NAV of UTI Long Term Fund?

As of 05 Oct 2026, the NAV of UTI Long Term Fund is ₹12.21 per unit. NAV (net asset value) is the fund's per-unit price, published once each business day.

What returns has UTI Long Term Fund delivered?

UTI Long Term Fund has returned +0.65% over 1 year, +5.40% per year over 3 years and +5.74% 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 Long Term Fund?

UTI Long Term Fund charges an expense ratio of 0.09% 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 Long Term Fund?

UTI Long Term Fund's largest holdings are 6.90% GSEC MAT - 15/04/2065 (50.8%), 7.24% GSEC MAT- 18/08/2055 (21.5%), 7.09% GS MAT - 05/08/2054 (10.6%), 7.23% GSEC MAT- 15/04/2039 (1.1%) and CORPORATE DEBT MARKET DEVT FUND - A2 UNITS (0.5%). Holdings are disclosed monthly and change over time.

How risky is UTI Long Term Fund?

UTI Long Term Fund is rated moderate on SEBI's risk-o-meter, its trailing-3Y volatility (annualised) is 4.0% and its worst peak-to-trough fall in our sample was -5.7%. 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 -0.28 mean?

The Sharpe ratio is return earned per unit of total risk, above a 6.5% risk-free rate. UTI Long Term Fund's -0.28 means it has not compensated investors for its volatility over the window. Higher is better.

What is the benchmark of UTI Long Term Fund?

UTI Long Term Fund is benchmarked against the Nifty Long Duration Debt Index A-III. Its alpha and beta on this page are measured against that index.

Who manages UTI Long Term Fund?

UTI Long Term Fund is managed by Pankaj Pathak at UTI.

How is UTI Long Term Fund taxed?

UTI Long Term 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.