Nippon India Fixed Maturity Plan - XLIII - Series 5 vs UTI NIFTY SDL Plus AAA PSU Bond Apr 2028- 75:25 Index Fund
Direct Plan, Growth option · Data as on 30-10-2026
Nippon India Fixed Maturity Plan - XLIII - Series 5 is a mutual fund and UTI NIFTY SDL Plus AAA PSU Bond Apr 2028- 75:25 Index Fund is an Index fund. In the 3 years to 30-10-2026, Nippon India Fixed Maturity Plan - XLIII - Series 5 (Direct) returned 7.6% a year and UTI NIFTY SDL Plus AAA PSU Bond Apr 2028- 75:25 Index Fund (Direct) returned 7.4% a year. Nippon India Fixed Maturity Plan - XLIII - Series 5 charges 0.15% a year and UTI NIFTY SDL Plus AAA PSU Bond Apr 2028- 75:25 Index Fund 0.26% (Direct plans). Their portfolios overlap 19.8%: they hold 3 of the same securities.
Nippon India Fixed Maturity Plan - XLIII - Series 5
- 3 year return
- 7.6%
- Expense ratio
- 0.15%
- NAV
- ₹13.57
UTI NIFTY SDL Plus AAA PSU Bond Apr 2028- 75:25 Index Fund
Index
- 3 year return
- 7.4%
- Expense ratio
- 0.26%
- NAV
- ₹12.97
Which is better, Nippon India Fixed Maturity Plan - XLIII - Series 5 or UTI NIFTY SDL Plus AAA PSU Bond Apr 2028- 75:25 Index? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- Nippon India Fixed Maturity Plan - XLIII - Series 5 returned more over 3 years: 7.6% a year against 7.4%.
- UTI NIFTY SDL Plus AAA PSU Bond Apr 2028- 75:25 Index returned more over 1 year: 4.7% against 4.6%.
- Nippon India Fixed Maturity Plan - XLIII - Series 5 costs less: 0.15% a year against 0.26% (Direct plans).
- UTI NIFTY SDL Plus AAA PSU Bond Apr 2028- 75:25 Index swung less over 3 years: a standard deviation of 1.1% a year against 1.3%.
- UTI NIFTY SDL Plus AAA PSU Bond Apr 2028- 75:25 Index fell less in its worst fall since 08-03-2023: −0.7% against −0.9%.
- Nippon India Fixed Maturity Plan - XLIII - Series 5 is the larger fund: ₹191 Cr against ₹33 Cr.
- Their portfolios overlap 19.8%: 3 of the same holdings.
Past returns do not promise future returns. This page is information, not investment advice.
Key facts
From each fund's scheme summary document and AMFI
| Fact | Nippon India Fixed Maturity Plan - XLIII - Series 5 | UTI NIFTY SDL Plus AAA PSU Bond Apr 2028- 75:25 Index Fund |
|---|---|---|
| Fund house | Nippon India Mutual Fund | UTI Mutual Fund |
| Category | Not available | Index |
| AUM | ₹191 Cr (30-09-2026) | ₹33 Cr (30-09-2026) |
| NAV | ₹13.57 (Direct) | ₹12.97 (Direct) |
| Expense ratio (Direct) | 0.15% | 0.26% |
| Expense ratio (Regular) | 0.35% | 0.42% |
| Riskometer | Not available | Low to Moderate |
| Benchmark | Not available | Nifty SDL Plus AAA PSU Bond Apr 2028 75:25 Index |
| Launch date | Not available | 03-03-2023 |
| Minimum investment | Not available | ₹5,000 |
| Lock in | Not available | None |
| Fund managers | Not available | Jaydeep Bhowal FM1 |
| Exit load | Not available | Not available |
Nippon India Fixed Maturity Plan - XLIII - Series 5 vs UTI NIFTY SDL Plus AAA PSU Bond Apr 2028- 75:25 Index: Returns Comparison
Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.
| Fund | 1M | 3M | 6M | 1Y | 3Y | 5Y | 10Y |
|---|---|---|---|---|---|---|---|
| Nippon India Fixed Maturity Plan - XLIII - Series 5 (Direct) | −0.12% | +0.53% | +2.54% | +4.62% | +7.62% | -- | -- |
| UTI NIFTY SDL Plus AAA PSU Bond Apr 2028- 75:25 Index Fund (Direct) | −0.11% | +0.60% | +2.58% | +4.65% | +7.42% | -- | -- |
Nippon India Fixed Maturity Plan - XLIII - Series 5 vs UTI NIFTY SDL Plus AAA PSU Bond Apr 2028- 75:25 Index: Year-wise Returns
| Year | Nippon India Fixed Maturity Plan - XLIII - Series 5Nippon India Fixed Maturity Plan - XLIII - Series 5 | UTI NIFTY SDL Plus AAA PSU Bond Apr 2028- 75:25 IndexUTI NIFTY SDL Plus AAA PSU Bond Apr 2028- 75:25 Index |
|---|---|---|
| 2026to date | +3.50% | +3.59% |
| 2025 | +8.60% | +8.39% |
| 2024 | +8.75% | +8.42% |
| 2023 | +7.92% | -- |
Nippon India Fixed Maturity Plan - XLIII - Series 5 vs UTI NIFTY SDL Plus AAA PSU Bond Apr 2028- 75:25 Index: Rolling Returns
Every holding period of both funds
Rolling returns
Every 3-year holding period, 156 of them, one for each trading day from 09-03-2026 to 30-10-2026: the yearly return (CAGR) of each, plotted on the day it ended. One lucky or unlucky start day cannot flatter or hide a fund.
Nippon India Fixed Maturity Plan - XLIII - Series 5 (Direct)
UTI NIFTY SDL Plus AAA PSU Bond Apr 2028- 75:25 Index Fund (Direct)
to
Mar 2026May 2023
to
May 2026Jun 2023
to
Jun 2026Jul 2023
to
Jul 2026Sept 2023
to
Sept 2026Oct 2023
to
Oct 2026
How the periods spread
| Fund | Below 0% | 0-5% | 5-10% | 10-15% | 15-20% | 20-25% | Above 25% | Mean | Median | Lowest | Highest |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Nippon India Fixed Maturity Plan - XLIII - Series 5 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 7.7% | 7.7% | 7.2% | 8.5% |
| UTI NIFTY SDL Plus AAA PSU Bond Apr 2028- 75:25 Index | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 7.5% | 7.5% | 7.0% | 8.1% |
The table shows the % of periods in each return band; a darker cell holds more of them. Lumpsum: the yearly rate (CAGR) from a period's first NAV to its last. SIP: the XIRR of the monthly instalments. Every fund is measured over the days all of them have, from 08-03-2023. Past returns do not promise future returns.
Nippon India Fixed Maturity Plan - XLIII - Series 5 vs UTI NIFTY SDL Plus AAA PSU Bond Apr 2028- 75:25 Index: SIP and Lumpsum Returns
What the same monthly or one-time investment would be worth in each fund today, from their own NAV history
Growth of an investment
₹10,000 on the first trading day of every month, from 01-03-2023 to 30-10-2026: 44 instalments, ₹4,40,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| Nippon India Fixed Maturity Plan - XLIII - Series 5Nippon India Fixed Maturity Plan - XLIII - Series 5 (Direct) | ₹4,40,000 | ₹4,98,377 | ₹58,377 | 6.8% |
| UTI NIFTY SDL Plus AAA PSU Bond Apr 2028- 75:25 IndexUTI NIFTY SDL Plus AAA PSU Bond Apr 2028- 75:25 Index Fund (Direct) | ₹4,40,000 | ₹4,97,272 | ₹57,272 | 6.6% |
Nippon India Fixed Maturity Plan - XLIII - Series 5Nippon India Fixed Maturity Plan - XLIII - Series 5 (Direct)
UTI NIFTY SDL Plus AAA PSU Bond Apr 2028- 75:25 IndexUTI NIFTY SDL Plus AAA PSU Bond Apr 2028- 75:25 Index Fund (Direct)
Amount invested
From each plan's published NAV (Growth option), over the same days. Return a year: XIRR for a SIP, CAGR for a lumpsum, shown for a year or more. It does not include exit load, stamp duty or tax. Past returns do not promise future returns.
Nippon India Fixed Maturity Plan - XLIII - Series 5 vs UTI NIFTY SDL Plus AAA PSU Bond Apr 2028- 75:25 Index: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | Nippon India Fixed Maturity Plan - XLIII - Series 5 (Direct) | UTI NIFTY SDL Plus AAA PSU Bond Apr 2028- 75:25 Index Fund (Direct) |
|---|---|---|
| Return (CAGR) | +4.62% | +4.65% |
| Standard deviation | 1.20% | 1.09% |
| Sharpe ratio | -0.52 | -0.55 |
| Sortino ratio | -0.66 | -0.70 |
| Maximum drawdown | −0.9% (02-04-2026) | −0.7% (02-04-2026) |
| Beta | -- | -- |
| Alpha | -- | -- |
From daily NAVs, 30-10-2025 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
| Measure | Nippon India Fixed Maturity Plan - XLIII - Series 5 (Direct) | UTI NIFTY SDL Plus AAA PSU Bond Apr 2028- 75:25 Index Fund (Direct) |
|---|---|---|
| Return (CAGR) | +7.62% | +7.42% |
| Standard deviation | 1.27% | 1.09% |
| Sharpe ratio | 1.26 | 1.28 |
| Sortino ratio | 1.87 | 1.94 |
| Maximum drawdown | −0.9% (29-08-2025) | −0.7% (02-04-2026) |
| Beta | -- | -- |
| Alpha | -- | -- |
From daily NAVs, 30-10-2023 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
| Measure | Nippon India Fixed Maturity Plan - XLIII - Series 5 (Direct) | UTI NIFTY SDL Plus AAA PSU Bond Apr 2028- 75:25 Index Fund (Direct) |
|---|---|---|
| Return (CAGR) | +6.83% | +7.37% |
| Standard deviation | 1.88% | 1.16% |
| Sharpe ratio | 0.45 | 1.04 |
| Sortino ratio | 0.61 | 1.63 |
| Maximum drawdown | −2.6% (13-06-2022) | −0.7% (02-04-2026) |
| Beta | -- | -- |
| Alpha | -- | -- |
From daily NAVs, 07-03-2022 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
Drawdowns
How far below its previous high each one was on every day: the falls an investor had to sit through. 0% means it was at a new high.
Nippon India Fixed Maturity Plan - XLIII - Series 5 (Direct)
UTI NIFTY SDL Plus AAA PSU Bond Apr 2028- 75:25 Index Fund (Direct)
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| Nippon India Fixed Maturity Plan - XLIII - Series 5 (Direct) | −0.9% | 04-08-2025 | 29-08-2025 | 24-09-2025 | 26 days | −0.4% |
| UTI NIFTY SDL Plus AAA PSU Bond Apr 2028- 75:25 Index Fund (Direct) | −0.7% | 10-03-2026 | 02-04-2026 | 16-04-2026 | 14 days | −0.3% |
From daily values since 08-03-2023, the first day every fund has.
Rolling standard deviation
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 1-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
Nippon India Fixed Maturity Plan - XLIII - Series 5 (Direct)
UTI NIFTY SDL Plus AAA PSU Bond Apr 2028- 75:25 Index Fund (Direct)
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 3-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
Nippon India Fixed Maturity Plan - XLIII - Series 5 (Direct)
UTI NIFTY SDL Plus AAA PSU Bond Apr 2028- 75:25 Index Fund (Direct)
Nippon India Fixed Maturity Plan - XLIII - Series 5 vs UTI NIFTY SDL Plus AAA PSU Bond Apr 2028- 75:25 Index: Portfolio Overlap
From each fund's latest monthly portfolio: Nippon India Fixed Maturity Plan - XLIII - Series 5, September 2026; UTI NIFTY SDL Plus AAA PSU Bond Apr 2028- 75:25 Index Fund, September 2026
Holdings in common
- Overlap
- 19.8%
- Held by both
- 3
- Only in Nippon India Fixed Maturity Plan - XLIII - Series 5
- 35
- Only in UTI NIFTY SDL Plus AAA PSU Bond Apr 2028- 75:25 Index
- 13
| Security | % of Nippon India Fixed Maturity Plan - XLIII - Series 5 | % of UTI NIFTY SDL Plus AAA PSU Bond Apr 2028- 75:25 Index |
|---|---|---|
| 8.05% State Government Securities | 41.16% | 19.51% |
| 8.14% State Government Securities | 0.27% | 3.12% |
| 8.09% State Government Securities | 0.01% | 15.59% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 19.8% means 19.8% of each fund's money sits in positions the other also holds. Matched by ISIN. Cash and hedged positions are left out.
Largest holdings only in Nippon India Fixed Maturity Plan - XLIII - Series 5
| Security | % of fund |
|---|---|
| 6.99% State Government Securities | 32.73% |
| 8.39% State Government Securities | 4.03% |
| GOI STRIPS (MD16/06/2028) | 2.57% |
| 8.57% State Government Securities | 2.47% |
| GOI Strips (MD 12/06/2028 ) | 2.42% |
Largest holdings only in UTI NIFTY SDL Plus AAA PSU Bond Apr 2028- 75:25 Index Fund
| Security | % of fund |
|---|---|
| 7.98% UP SDL MAT - 11/04/2028 | 28.05% |
| NCD REC LTD | 6.50% |
| NCD NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT | 6.44% |
| NCD POWER FINANCE CORPORATION LTD. | 3.68% |
| 8.00% KL SDL MAT - 11/04/2028 | 3.12% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | Nippon India Fixed Maturity Plan - XLIII - Series 5 | UTI NIFTY SDL Plus AAA PSU Bond Apr 2028- 75:25 Index |
|---|---|---|
| Equity | 0.0% | 0.0% |
| Debt | 97.3% | 94.9% |
| Cash and others | 2.7% | 5.1% |
Nippon India Fixed Maturity Plan - XLIII - Series 5 vs UTI NIFTY SDL Plus AAA PSU Bond Apr 2028- 75:25 Index: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | Nippon India Fixed Maturity Plan - XLIII - Series 5 | UTI NIFTY SDL Plus AAA PSU Bond Apr 2028- 75:25 Index Fund |
|---|---|---|
| Total expense ratio (Direct) | 0.15% | 0.26% |
| Base expense ratio (Direct) | 0.13% | 0.22% |
| Total expense ratio (Regular) | 0.35% | 0.42% |
| Base expense ratio (Regular) | 0.30% | 0.37% |
The expense ratio comes out of the fund's assets every day, so every return on this page is already after it. Base expense ratio: the fund house's own fee. The total adds brokerage, transaction costs, and levies with GST.
Nippon India Fixed Maturity Plan - XLIII - Series 5 vs UTI NIFTY SDL Plus AAA PSU Bond Apr 2028- 75:25 Index Fund: Frequently Asked Questions
What is the difference between Nippon India Fixed Maturity Plan - XLIII - Series 5 and UTI NIFTY SDL Plus AAA PSU Bond Apr 2028- 75:25 Index Fund?
Nippon India Fixed Maturity Plan - XLIII - Series 5 is a mutual fund, UTI NIFTY SDL Plus AAA PSU Bond Apr 2028- 75:25 Index Fund is an Index fund, run by Nippon India Mutual Fund and UTI Mutual Fund. Their portfolios overlap 19.8%. Nippon India Fixed Maturity Plan - XLIII - Series 5 charges 0.15% a year and UTI NIFTY SDL Plus AAA PSU Bond Apr 2028- 75:25 Index Fund 0.26%.
Which has given higher returns, Nippon India Fixed Maturity Plan - XLIII - Series 5 or UTI NIFTY SDL Plus AAA PSU Bond Apr 2028- 75:25 Index Fund?
Over 1 year: Nippon India Fixed Maturity Plan - XLIII - Series 5 +4.62%, UTI NIFTY SDL Plus AAA PSU Bond Apr 2028- 75:25 Index Fund +4.65%. Over 3 years: Nippon India Fixed Maturity Plan - XLIII - Series 5 +7.62% a year, UTI NIFTY SDL Plus AAA PSU Bond Apr 2028- 75:25 Index Fund +7.42% a year. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, Nippon India Fixed Maturity Plan - XLIII - Series 5 or UTI NIFTY SDL Plus AAA PSU Bond Apr 2028- 75:25 Index Fund?
Nippon India Fixed Maturity Plan - XLIII - Series 5 charges less: 0.15% a year against 0.26%. These are the Direct plans' total expense ratios reported to AMFI.
How much do Nippon India Fixed Maturity Plan - XLIII - Series 5 and UTI NIFTY SDL Plus AAA PSU Bond Apr 2028- 75:25 Index Fund overlap?
19.8%. They hold 3 of the same securities, the largest shared ones being 8.05% State Government Securities, 8.14% State Government Securities, 8.09% State Government Securities. From each fund's latest monthly portfolio.
Which is better for SIP, Nippon India Fixed Maturity Plan - XLIII - Series 5 or UTI NIFTY SDL Plus AAA PSU Bond Apr 2028- 75:25 Index Fund?
Over the last 3 years, a monthly SIP of ₹10,000 from 03-10-2023 to 30-10-2026 grew to ₹4,09,196 in Nippon India Fixed Maturity Plan - XLIII - Series 5 (XIRR 6.5% a year) and ₹4,08,720 in UTI NIFTY SDL Plus AAA PSU Bond Apr 2028- 75:25 Index Fund (XIRR 6.4% a year). Both received 37 instalments. Past returns do not promise future returns.
Can I invest in both Nippon India Fixed Maturity Plan - XLIII - Series 5 and UTI NIFTY SDL Plus AAA PSU Bond Apr 2028- 75:25 Index Fund?
Yes. 19.8% of each fund's money sits in the same holdings, so some of the two investments would move together.
Sources: NAV and expense ratio from AMFI. Holdings from each fund house's monthly portfolio statement. Fund facts from each scheme summary document.
This page is information, not investment advice. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Past returns do not promise future returns. Figures come from AMFI, NSE, BSE and each fund house's own documents.