UTI 10 year Constant Maturity Gilt Fund

GiltDirect and Regular plans, Growth and IDCW options

Data as on 30-10-2026

UTI 10 year Constant Maturity Gilt Fund is a Gilt fund run by UTI Mutual Fund. On 30-09-2026, it managed ₹105 Cr of investors' money. In the 3 years to 30-10-2026, its Direct plan returned 6.5% a year and its Regular plan returned 6.0% a year.

NAV (Direct plan): ₹13.10; ▼ 0.17%30-10-2026
NAV (Regular plan): ₹12.84; ▼ 0.17%30-10-2026
Expense ratio: 0.33%Direct0.77%Regular; 0.33%; A year
Riskometer: Not available; Set by the fund house
3 year return: 6.5%Direct6.0%Regular; 6.5%; A year

UTI 10 year Constant Maturity Gilt Fund NAV Today

NAV on 30-10-2026: Direct Plan Growth ₹13.10 (down 0.17% that day); Regular Plan Growth ₹12.84 (down 0.17% that day).

This fund (Direct plan)

₹13.1025

UTI 10 year Constant Maturity Gilt Fund Returns vs Gilt Funds

Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.

Trailing returns
Period	1M	3M	6M	1Y	3Y	5Y	10Y
This fund (Direct)	−0.93%	−2.25%	+1.02%	+1.45%	+6.55%	--	--
This fund (Regular)	−0.96%	−2.36%	+0.79%	+0.99%	+6.04%	--	--
Gilt average	−0.69%	−1.34%	+1.62%	+2.12%	+6.19%	--	--
Best in Gilt	+0.27%	+0.76%	+4.80%	+7.50%	+8.37%	--	--
Worst in Gilt	−1.33%	−2.45%	+0.15%	−0.46%	+4.58%	--	--
Rank in Gilt	18/28	22/28	23/28	20/28	5/26	--	--

Category rows compare the Direct plans of 28 Gilt funds. Rank 1 is the highest return. This fund's benchmark is CRISIL 10 Year Gilt Index. Returns of that index are not available to us, so the category average is the comparison.

UTI 10 year Constant Maturity Gilt Fund Year-wise Returns

Return of each calendar year
Year	Direct	Regular
2026to date	+0.62%	+0.23%
2025	+7.09%	+6.58%
2024	+9.57%	+9.04%
2023	+7.81%	+7.29%

UTI 10 year Constant Maturity Gilt Fund Rolling Returns

The return of every holding period in the fund's history, not only the one that ends today

Rolling returns

Each point is the yearly return of one 3-year holding period, plotted on the day it ended. There are 299 periods, one for each trading day from 04-08-2025 to 30-10-2026.

0%2%4%6%8%10%

Sept 2022
to
Sept 2025Nov 2022
to
Nov 2025Feb 2023
to
Feb 2026Apr 2023
to
Apr 2026Jul 2023
to
Jul 2026Sept 2023
to
Sept 2026

UTI 10 year Constant Maturity Gilt Fund (Direct)Category average, 28 Gilt funds

Every holding period at a glance

Period	Periods	Median	Lowest	Highest	With a loss	Category median	Beat category
1 year	782	7.7%	0.4%	13.1%	0%	7.3%	65%
2 years	543	8.5%	4.3%	9.7%	0%	8.1%	88%
3 years	299	7.8%	6.2%	8.9%	0%	7.1%	100%

Period	Periods	Median	Lowest	Highest	With a loss	Category median	Beat category
1 year	39	7.8%	−1.2%	13.1%	3%	7.1%	62%
2 years	27	8.3%	3.3%	11.3%	0%	7.1%	78%

Lumpsum: the yearly rate (CAGR) from the NAV on a period's first day to the NAV on its last. SIP: the XIRR of the monthly instalments and their value on the last day. "With a loss" counts the periods that ended below the money put in. "Beat category" counts the periods in which the fund did better than the average of the 28 Gilt funds (Direct plans, each weighted the same) over the same days. Past returns do not promise future returns.

UTI 10 year Constant Maturity Gilt Fund Risk

How much it swings, and the falls an investor had to sit through

Risk and return

Measure	UTI 10 year Constant Maturity Gilt Fund (Direct)This fund	Category average
Return (CAGR)	+1.45%	+2.12%
Standard deviation	3.26%	3.18%
Sharpe ratio	-1.16	-0.98
Sortino ratio	-1.61	-1.35
Maximum drawdown	−3.3% (23-10-2026)	−2.6% (02-04-2026)

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.

Measure	UTI 10 year Constant Maturity Gilt Fund (Direct)This fund	Category average
Return (CAGR)	+6.55%	+6.18%
Standard deviation	2.72%	2.80%
Sharpe ratio	0.19	0.06
Sortino ratio	0.27	0.08
Maximum drawdown	−3.3% (23-10-2026)	−3.1% (26-08-2025)

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.

Measure	UTI 10 year Constant Maturity Gilt Fund (Direct)This fund	Category average
Return (CAGR)	+6.41%	+6.15%
Standard deviation	2.90%	2.60%
Sharpe ratio	0.09	0.00
Sortino ratio	0.13	0.00
Maximum drawdown	−3.3% (23-10-2026)	−3.1% (26-08-2025)

From daily NAVs, 03-08-2022 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.

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.

−4%−3%−2%−1%0%

2023202420252026

UTI 10 year Constant Maturity Gilt Fund (Direct)Category average, 28 Gilt funds

	Worst fall	High before it	Bottom	Back at the high	Time to climb back	Below its high today
UTI 10 year Constant Maturity Gilt Fund (Direct)	−3.3%	14-08-2026	23-10-2026	Not yet	--	−2.9%
Category average	−3.1%	28-05-2025	26-08-2025	27-02-2026	6 months	−2.3%

From the Direct plan's daily NAV since 03-08-2022, adjusted for unit splits, and the average of the 28 Gilt funds (Direct plans, each weighted the same) over the same days. "Time to climb back" runs from the bottom to the first day back at the old high.

UTI 10 year Constant Maturity Gilt Fund vs Other Gilt Funds

The five Gilt funds with the best three year return, and this fund. Direct plans.

Fund name	Rank	AUM (Cr)	Exp. ratio	1Y return	3Y return	3Y alpha	3Y beta	3Y Sharpe	3Y Sortino
Bandhan Gilt Fund	1/26	1,686	0.57%	+7.50%	+8.37%	--	--	0.69	1.00	Compare
Bandhan 10 year Constant Maturity Gilt Fund	2/26	285	0.26%	+2.61%	+7.25%	--	--	0.44	0.64	Compare
Axis Gilt Fund	3/26	336	0.46%	+3.08%	+6.94%	--	--	0.31	0.45	Compare
ICICI Prudential 10 year Constant Maturity Gilt Fund	4/26	1,935	0.29%	+2.06%	+6.88%	--	--	0.32	0.45	Compare
UTI 10 year Constant Maturity Gilt Fund	5/26	105	0.33%	+1.45%	+6.55%	--	--	0.19	0.27

AUM is each fund's size at the end of its last reported month, from its own portfolio file. We calculate the risk ratios from daily NAVs over the last three years. The risk-free return is what NSE's overnight rate index earned over the same years. Alpha and beta compare each fund with its own benchmark's TRI. "--" means we have no figure: for alpha and beta, no daily series for that benchmark.

UTI 10 year Constant Maturity Gilt Fund Expense Ratio and Costs

What each plan charges a year, in force from 01-09-2026

Plan	Base expense ratio	Brokerage	Transaction costs	Levies and GST	Total expense ratio	Gilt median	Cost rank (1 = cheapest)
Direct	0.28%	0.00%	0.00%	0.05%	0.33%	0.48%	7/28
Regular	0.68%	0.00%	0.00%	0.09%	0.77%	1.15%	6/28

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, the cost of executing trades, and statutory levies with GST. From AMFI's expense ratio file. Cost rank: where this plan comes when the Gilt funds' plans of the same type are sorted from the lowest total expense ratio to the highest.

Direct vs Regular: what the gap cost

Both plans own the same portfolio, so the difference in what they earned is the Regular plan's extra cost, taken out of its NAV.

Over the last	Regular	Direct	Direct earned more by	₹1 lakh became (Regular)	₹1 lakh became (Direct)
1 year	0.99%	1.45%	0.46%	₹1,00,990	₹1,01,450
3 years	6.04%	6.55%	0.51% a year	₹1,19,236	₹1,20,965

Returns over more than 1 year are a rate a year (CAGR). ₹1 lakh invested once at the start of each period, valued on the last NAV.

UTI 10 year Constant Maturity Gilt Fund SIP Calculator

What a one-time or monthly investment in this fund would be worth today, from its own NAV history

Growth of an investment

Every month₹

Step up each year

PeriodFor

₹10,000 on the first trading day of every month, from 03-08-2022 to 30-10-2026: 51 instalments, ₹5,10,000 in all.

Investment	Invested	Value now	Gain	Return a year
Direct planUTI 10 year Constant Maturity Gilt Fund (Direct)	₹5,10,000	₹5,71,078	₹61,078	5.3%
Regular planUTI 10 year Constant Maturity Gilt Fund (Regular)	₹5,10,000	₹5,64,996	₹54,996	4.8%
Category averageCategory average, 28 Gilt funds	₹5,10,000	₹5,68,308	₹58,308	5.0%

₹0₹2.0 L₹4.0 L₹6.0 L

2023202420252026

Direct planUTI 10 year Constant Maturity Gilt Fund (Direct)Regular planUTI 10 year Constant Maturity Gilt Fund (Regular)Category averageCategory average, 28 Gilt fundsAmount invested

From each plan's published NAV (Growth option) and the category average, 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.

UTI 10 year Constant Maturity Gilt Fund Asset Allocation

Asset allocation as on 30-09-2026

What the fund holds

86.9%Debt

Asset	Fund	Category
Debt	86.9%	87.2%
Cash and others	13.1%	12.8%

Credit rating

Bonds and money market papers by credit rating, % of the fund. Category: the average of 28 Gilt funds.

Rating	Fund	Category
Sovereign	86.9%	86.6%

UTI 10 year Constant Maturity Gilt Fund Portfolio Holdings

As on 30-09-2026 · 6 holdings · from the fund house's monthly portfolio

Holdings	Rating	Weight%
06.94% GSEC Mat- 11/05/2036 · Government security	SOV	56.19%
06.48% GSEC Mat- 06/10/2035 · Government security	SOV	13.64%
07.18% GSEC MAT -24/07/2037 · Government security	SOV	8.54%
6.79% GOVT BONDS - 07/10/2034 · Government security	SOV	4.65%
6.90% GSEC MAT - 15/04/2065 · Government security	SOV	2.99%
7.24% GSEC MAT- 18/08/2055 · Government security	SOV	0.90%

UTI 10 year Constant Maturity Gilt Fund Portfolio Overlap

Funds with the most similar portfolios, across every fund house and category

Fund	Overlap	Holdings in common
SBI 10 Year Constant Maturity Gilt FundGilt · SBI	78.9%	4	Compare
LIC MF Nifty 8-13 yr G-Sec ETFETF · LIC	78.4%	3	Compare
JioBlackRock Nifty 8-13 yr G-Sec Index FundIndex · Jio BlackRock	77.3%	3	Compare
Nippon India ETF Nifty 8-13 yr G-Sec Long Term GiltETF · Nippon India	76.0%	4	Compare
Mirae Asset Nifty 8-13 yr G-Sec ETFETF · Mirae Asset	73.1%	4	Compare
DSP 10 year Constant Maturity Gilt FundGilt · DSP	58.9%	2	Compare
ICICI Prudential 10 year Constant Maturity Gilt FundGilt · ICICI Prudential	56.3%	2	Compare
DSP Nifty 10 Yr Benchmark G-Sec ETFETF · DSP	56.2%	1	Compare

Overlap: for each holding both funds own, the smaller of its two weights, added up. 40% means 40% of each fund's money sits in positions the other also holds. From each fund's latest monthly portfolio, matched by ISIN. Cash and hedged positions are left out. Funds that overlap under 10% are not listed. A high overlap does not make two funds the same: their costs, lock-in and category can differ.

UTI 10 year Constant Maturity Gilt Fund Overview

Fund facts from the scheme summary document, as on 16-10-2026

Expense ratio (Direct): 0.33%
Expense ratio (Regular): 0.77%
Category: Gilt
Risk: Not available
Benchmark: CRISIL 10 Year Gilt Index
Launch date: 01-08-2022
AUM: ₹105.04 Cr (30-09-2026)
Lock in: None
Scheme code (Direct): 150410
ISIN (Direct): INF789F1AVR7
Scheme code (Regular): 150409
ISIN (Regular): INF789F1AVI6
NAV history: From 03-08-2022, 4.2 years

Minimum investment: Direct Plan-Growth-Rs.5000, Regular Plan-Growth-Rs.5000 "Note - Fresh subscriptions in Income Distribution Cum Capital Withdrawal (IDCW) option through all modes such as Lump Sum mode (including Switches) and fresh registration of Systematic Investment Pl
Minimum additional investment: Direct Plan-Growth-Rs.1000, Regular Plan-Growth-Rs.1000 "Note - Fresh subscriptions in Income Distribution Cum Capital Withdrawal (IDCW) option through all modes such as Lump Sum mode (including Switches) and fresh registration of Systematic Investment Pl
Exit load: Nil

Tax on UTI 10 year Constant Maturity Gilt Fund returns

UTI 10 year Constant Maturity Gilt Fund is taxed as a debt fund: 65% or more of it is in bonds and money market papers.
For units bought on or after 01-04-2023, the gain is added to your income and taxed at your slab rate, however long you hold the units.
IDCW (dividend) payouts are added to your income and taxed at your slab rate.
A stamp duty of 0.005% is deducted when you invest.

Rules in force from 23-07-2024 (Finance Act 2024). Tax depends on your own income; this is general information, not tax advice.

All plans and options

Plan	Option	NAV	As on
direct	Growth	₹13.1025	30-10-2026
direct	Annual IDCW	₹11.4229	30-10-2026
direct	Discontinued Flexi IDCW	₹13.1025	30-10-2026
direct	Half Yearly IDCW	₹12.9732	30-10-2026
direct	Discontinued Quarterly IDCW	₹13.1027	30-10-2026
regular	Growth	₹12.839	30-10-2026
regular	Annual IDCW	₹11.1751	30-10-2026
regular	Discontinued Flexi IDCW	₹12.8385	30-10-2026
regular	Half Yearly IDCW	₹12.8387	30-10-2026
regular	Discontinued Quarterly IDCW	₹12.8391	30-10-2026

About UTI 10 year Constant Maturity Gilt Fund

UTI 10 year Constant Maturity Gilt Fund is a mutual fund from UTI Mutual Fund. Its category is Gilt. It was launched on 01-08-2022. Its benchmark is CRISIL 10 Year Gilt Index. At the end of September 2026 it held 6 securities.

Fund Manager

Jaydeep Bhowal FM 1
Fund manager of UTI 10 year Constant Maturity Gilt Fund
Not Applicable FM 2
Fund manager of UTI 10 year Constant Maturity Gilt Fund
Not Applicable FM 3
Fund manager of UTI 10 year Constant Maturity Gilt Fund
Not Applicable FM 4
Fund manager of UTI 10 year Constant Maturity Gilt Fund

See all funds of UTI Mutual Fund

AUM change

September 2026: ₹105.04 Cr; −6.16% from August 2026
August 2026: ₹111.93 Cr; −0.88% from July 2026
July 2026: ₹112.92 Cr; −0.87% from June 2026

AUM moves with money invested or taken out, and with the value of what the fund holds.

Compare UTI 10 year Constant Maturity Gilt Fund with Other Funds

Returns, risk, costs and the stocks they share, side by side

Compare with any other fund

Frequently Asked Questions for UTI 10 year Constant Maturity Gilt Fund

What is the current NAV of UTI 10 year Constant Maturity Gilt Fund?

The Direct plan NAV is ₹13.1025. The Regular plan NAV is ₹12.839, as on 30-10-2026.

What are the returns of UTI 10 year Constant Maturity Gilt Fund?

The Direct plan returned +1.45% in 1 year, +6.55% a year over 3 years. The Regular plan returned +0.99% in 1 year, +6.04% a year over 3 years. These figures are as on 30-10-2026.

What is the expense ratio of UTI 10 year Constant Maturity Gilt Fund?

The Direct plan charges 0.33% a year. The Regular plan charges 0.77% a year. This is the figure the fund house reported to AMFI, in force from 01-09-2026.

What is the AUM of UTI 10 year Constant Maturity Gilt Fund?

UTI 10 year Constant Maturity Gilt Fund managed ₹105.04 Cr on 30-09-2026, as its fund house reported in its monthly portfolio.

What are the top holdings of UTI 10 year Constant Maturity Gilt Fund?

At the end of September 2026 the largest holdings were 06.94% GSEC Mat- 11/05/2036 (56.19%), 06.48% GSEC Mat- 06/10/2035 (13.64%), 07.18% GSEC MAT -24/07/2037 (8.54%), 6.79% GOVT BONDS - 07/10/2034 (4.65%), 6.90% GSEC MAT - 15/04/2065 (2.99%). The fund held 6 securities in all.

How do I invest in UTI 10 year Constant Maturity Gilt Fund?

Through UTI Mutual Fund's website or app, a mutual fund distributor, or an investment platform. Choose the Direct plan to pay no distributor commission, or the Regular plan to invest through a distributor. The first investment is at least Direct Plan-Growth-Rs.5000, Regular Plan-Growth-Rs.5000 "Note - Fresh subscriptions in Income Distribution Cum Capital Withdrawal (IDCW) option through all modes such as Lump Sum mode (including Switches) and fresh registration of Systematic Investment Pl. You can invest once or through a monthly SIP.

Who is the fund manager of UTI 10 year Constant Maturity Gilt Fund?

Jaydeep Bhowal FM 1, Not Applicable FM 2, Not Applicable FM 3, Not Applicable FM 4.

What is the exit load of UTI 10 year Constant Maturity Gilt Fund?

Nil

Sources: NAV and expense ratio from AMFI. Holdings from the fund house's monthly portfolio statement. Fund facts from its scheme summary document, as on 16-10-2026.

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.