UTI Ultra Short Term Fund is an Ultra Short fund run by UTI Mutual Fund. On 30-09-2026, it managed ₹3,017 Cr of investors' money. In the 3 years to 30-10-2026, its Direct plan returned 7.3% a year and its Regular plan returned 6.7% a year. Its benchmark, NIFTY Ultra Short Duration Debt Index A-I, returned 7.2% a year over the same 3 years.
NAV (Direct plan)
₹4,946.82
▲ 0.02% · 30-10-2026
NAV (Regular plan)
₹3,276.71
▲ 0.02% · 30-10-2026
Expense ratio
0.37%Direct0.98%Regular
0.37%
A year
Riskometer
Moderate
Set by the fund house
3 year return
7.3%Direct6.7%Regular
7.3%
A year
UTI Ultra Short Term Fund NAV Today
NAV on 30-10-2026: Direct Plan Growth ₹4,946.82 (up 0.02% that day); Regular Plan Growth ₹3,276.71 (up 0.02% that day).
This fund (Direct plan)
₹4,946.8208
UTI Ultra Short Term Fund Returns vs NIFTY Ultra Short Duration Debt Index A-I
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)
+0.35%
+1.49%
+3.30%
+6.45%
+7.25%
+6.65%
+6.53%
This fund (Regular)
+0.30%
+1.33%
+2.99%
+5.79%
+6.67%
+6.15%
+6.10%
NIFTY Ultra Short Duration Debt Index A-I
+0.53%
+1.65%
+3.66%
+6.67%
+7.20%
+6.59%
--
Ultra Short average
+0.30%
+1.34%
+3.06%
+6.00%
+6.82%
+6.27%
+6.43%
Best in Ultra Short
+0.39%
+1.59%
+3.46%
+6.84%
+7.44%
+6.82%
+7.19%
Worst in Ultra Short
−0.11%
0.00%
+0.02%
0.00%
0.00%
+0.41%
+4.08%
Rank in Ultra Short
6/26
6/25
6/25
6/25
8/23
9/22
7/11
Category rows compare the Direct plans of 26 Ultra Short funds. Rank 1 is the highest return. The benchmark row is as on 30-09-2026, as NSE published it.
UTI Ultra Short Term Fund Year-wise Returns
Return of each calendar year
Year
Direct
Regular
2026to date
+5.36%
+4.82%
2025
+7.30%
+6.65%
2024
+7.85%
+7.37%
2023
+7.29%
+6.93%
2022
+4.79%
+4.40%
2021
+6.68%
+6.29%
UTI Ultra Short Term 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 2,618 periods, one for each trading day from 04-01-2016 to 30-10-2026.
0%2%4%6%8%10%
UTI Ultra Short Term Fund (Direct)
Category average, 26 Ultra Short funds
Nov 2013 to Nov 2016Sept 2015 to Sept 2018Jul 2017 to Jul 2020May 2019 to May 2022Mar 2021 to Mar 2024Dec 2022 to Dec 2025
UTI Ultra Short Term Fund (Direct)Category average, 26 Ultra Short funds
0%
0%
Below 0%
1%
12%
0-5%
99%
88%
5-10%
0%
0%
10-15%
0%
0%
15-20%
0%
0%
20-25%
0%
0%
Above 25%
Every holding period at a glance
Period
Periods
Median
Lowest
Highest
With a loss
Category median
Beat category
1 year
3,094
7.3%
2.5%
10.5%
0%
7.1%
82%
2 years
2,859
7.3%
3.9%
10.0%
0%
7.1%
76%
3 years
2,618
6.8%
4.8%
9.8%
0%
7.0%
72%
5 years
2,135
6.7%
5.7%
9.1%
0%
6.2%
69%
7 years
1,653
6.5%
6.1%
8.2%
0%
6.2%
75%
10 years
925
7.0%
6.5%
7.4%
0%
6.8%
100%
Every SIP holding period at a glance
Period
Periods
Median
Lowest
Highest
With a loss
Category median
Beat category
1 year
154
7.4%
0.8%
10.6%
0%
7.1%
83%
2 years
142
7.3%
4.0%
9.7%
0%
7.1%
77%
3 years
130
7.1%
4.8%
9.6%
0%
6.9%
79%
5 years
106
6.5%
5.3%
8.7%
0%
6.5%
74%
7 years
82
6.5%
5.8%
7.2%
0%
6.2%
75%
10 years
46
6.6%
6.5%
6.7%
0%
6.3%
100%
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 26 Ultra Short funds (Direct plans, each weighted the same) over the same days. Past returns do not promise future returns.
UTI Ultra Short Term Fund Risk
How much it swings, and the falls an investor had to sit through
Risk and return
Measure
UTI Ultra Short Term Fund (Direct)This fund
Category average
Return (CAGR)
+6.45%
+6.00%
Standard deviation
0.42%
0.44%
Sharpe ratio
2.87
1.73
Sortino ratio
4.75
2.73
Maximum drawdown
−0.09%
(22-10-2026)
−0.09%
(08-07-2026)
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 Ultra Short Term Fund (Direct)This fund
Category average
Return (CAGR)
+7.25%
+6.81%
Standard deviation
0.36%
0.36%
Sharpe ratio
3.38
2.17
Sortino ratio
6.69
3.92
Maximum drawdown
−0.09%
(22-10-2026)
−0.09%
(08-07-2026)
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 Ultra Short Term Fund (Direct)This fund
Category average
Return (CAGR)
+6.65%
+6.28%
Standard deviation
0.35%
0.34%
Sharpe ratio
2.41
1.40
Sortino ratio
4.34
2.37
Maximum drawdown
−0.23%
(06-05-2022)
−0.22%
(06-05-2022)
From daily NAVs, 29-10-2021 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 Ultra Short Term Fund (Direct)This fund
Category average
Return (CAGR)
+6.53%
+6.32%
Standard deviation
1.20%
0.50%
Sharpe ratio
0.94
1.84
Sortino ratio
1.16
2.99
Maximum drawdown
−3.6%
(07-06-2019)
−0.77%
(24-03-2020)
From daily NAVs, 28-10-2016 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 Ultra Short Term Fund (Direct)This fund
Category average
Return (CAGR)
+7.38%
+7.08%
Standard deviation
1.06%
0.60%
Sharpe ratio
1.26
1.73
Sortino ratio
1.59
2.61
Maximum drawdown
−3.6%
(07-06-2019)
−0.92%
(24-07-2013)
From daily NAVs, 02-01-2013 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%
UTI Ultra Short Term Fund (Direct)
Category average, 26 Ultra Short funds
2014201620182020202220242026
UTI Ultra Short Term Fund (Direct)Category average, 26 Ultra Short funds
Worst fall
High before it
Bottom
Back at the high
Time to climb back
Below its high today
UTI Ultra Short Term Fund (Direct)
−3.6%
03-06-2019
07-06-2019
09-12-2019
6 months
0.0%
Category average
−0.92%
15-07-2013
24-07-2013
02-09-2013
40 days
0.0%
From the Direct plan's daily NAV since 02-01-2013, adjusted for unit splits, and the average of the 26 Ultra Short 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 Ultra Short Term Fund vs Other Ultra Short Funds
The five Ultra Short funds with the best three year return, and this fund. Direct plans.
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 Ultra Short Term Fund Expense Ratio and Costs
What each plan charges a year, in force from 22-10-2026
Plan
Base expense ratio
Brokerage
Transaction costs
Levies and GST
Total expense ratio
Ultra Short median
Cost rank (1 = cheapest)
Direct
0.31%
0.01%
0.00%
0.05%
0.37%
0.30%
23/26
Regular
0.86%
0.01%
0.00%
0.11%
0.98%
0.81%
19/26
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 Ultra Short 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
5.79%
6.45%
0.66%
₹1,05,790
₹1,06,450
3 years
6.67%
7.25%
0.58% a year
₹1,21,374
₹1,23,365
5 years
6.15%
6.65%
0.50% a year
₹1,34,772
₹1,37,976
10 years
6.10%
6.53%
0.43% a year
₹1,80,781
₹1,88,243
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 Ultra Short Term 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
Step up each year
PeriodFor
₹10,000 on the first trading day of every month, from 02-01-2013 to 30-10-2026: 166 instalments, ₹16,60,000 in all.
Investment
Invested
Value now
Gain
Return a year
Direct planUTI Ultra Short Term Fund (Direct)
₹16,60,000
₹27,22,572
₹10,62,572
6.8%
Regular planUTI Ultra Short Term Fund (Regular)
₹16,60,000
₹26,29,663
₹9,69,663
6.4%
Category averageCategory average, 26 Ultra Short funds
₹16,60,000
₹26,61,605
₹10,01,605
6.5%
₹0₹10.0 L₹20.0 L₹30.0 L
Direct planUTI Ultra Short Term Fund (Direct)
Regular planUTI Ultra Short Term Fund (Regular)
Category averageCategory average, 26 Ultra Short funds
Amount invested
2014201620182020202220242026
Direct planUTI Ultra Short Term Fund (Direct)Regular planUTI Ultra Short Term Fund (Regular)Category averageCategory average, 26 Ultra Short 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 Ultra Short Term Fund Asset Allocation
Asset allocation as on 30-09-2026
What the fund holds
100.8%Debt
Asset
Fund
Category
Debt
100.8%
96.7%
Cash and others
−0.8%
3.8%
Cash and others is below 0: on that day the fund owed more in payments due than it held in cash.
Credit rating
Bonds and money market papers by credit rating, % of the fund. Category: the average of 26 Ultra Short funds.
Rating
Fund
Category
Sovereign
8.2%
7.3%
AAA and A1+
65.1%
77.2%
AA
27.4%
12.2%
UTI Ultra Short Term Fund Portfolio Holdings
As on 30-09-2026 · 52 holdings · from the fund house's monthly portfolio
Holdings
Rating
Weight%
364 DAYS T-BILL - 26/11/2026 · Treasury bill
SOV
6.58%
CD - INDIAN BANK - 22/01/2027 · Certificate of deposit
CRISIL-A1+
5.68%
CD - HDFC BANK LTD - 15/02/2027 · Certificate of deposit
CARE-A1+
4.85%
CD - AXIS BANK - 26/02/2027
CRISIL-A1+
4.84%
CD - EXIM BANK - 29/01/2027 · Certificate of deposit
CRISIL-A1+
4.05%
CP MUTHOOT FINCORP LIMITED · Commercial paper
CRISIL-A1+
3.26%
CD - HDFC BANK LTD. - 22/01/2027 · Certificate of deposit
CARE-A1+
3.25%
CD - EXIM BANK - 01/03/2027 · Certificate of deposit
CRISIL-A1+
3.22%
NCD GODREJ PROPERTIES LTD. · Bond
ICRA-AA+
2.99%
NCD NUVAMA WEALTH FINANCE LTD · Bond
CARE-AA
2.50%
NCD 360 ONE PRIME LTD · Bond
ICRA-AA
2.48%
NCD POONAWALLA FINCORP LTD. · Bond
CRISIL-AAA
2.48%
CD - UJJIVAN SMALL FINANCE BANK - 15/12/2026 · Certificate of deposit
ICRA-A1+
2.45%
CD - SMALL INDST. DEV. BANK OF INDIA - 14/01/2027 · Certificate of deposit
CARE-A1+
2.44%
NCD ADITYA BIRLA RENEWABLES LTD · Bond
CRISIL-AA
2.15%
NCD PIRAMAL FINANCE LIMITED · Bond
CARE-AA+
2.00%
NCD PIRAMAL FINANCE LIMITED · Bond
ICRA-AA+
1.66%
NCD DMI FINANCE PRIVATE LIMITED · Bond
ICRA-AA
1.66%
NCD MAHINDRA RURAL HOUSING FINANCE LTD · Bond
CRISIL-AAA
1.66%
NCD 360 ONE PRIME LTD · Bond
ICRA-AA
1.66%
NCD HERO HOUSING FINANCE LTD · Bond
CRISIL-AA+
1.66%
NCD TORRENT POWER LTD. · Bond
CRISIL-AA+
1.65%
NCD GIC HOUSING FINANCE LTD. · Bond
CRISIL-AA+
1.64%
NCD ADITYA BIRLA DIGITAL FASHION VENTURES LIMITED · Bond
CRISIL-AA-
1.64%
CD - AXIS BANK LTD - 14/01/2027
CRISIL-A1+
1.63%
CD - EQUITAS SMALL FINANCE BANK - 15/12/2026 · Certificate of deposit
IND-A1+
1.63%
CD - SMALL INDST. DEV. BANK OF INDIA - 05/02/2027 · Certificate of deposit
CARE-A1+
1.62%
CD - HDFC BANK - 05/02/2027 · Certificate of deposit
CARE-A1+
1.62%
CD - CANARA BANK - 12/02/2027 · Certificate of deposit
CRISIL-A1+
1.62%
CD - CANARA BANK - 29/01/2027 · Certificate of deposit
CRISIL-A1+
1.62%
CD - NABARD - 03/02/2027 · Certificate of deposit
ICRA-A1+
1.62%
CD - NABARD - 28/01/2027 · Certificate of deposit
ICRA-A1+
1.62%
CD - NABARD - 22/01/2027 · Certificate of deposit
ICRA-A1+
1.62%
CD - KOTAK MAHINDRA BANK LTD - 12/02/2027
CRISIL-A1+
1.62%
CD - NABARD - 02/03/2027 · Certificate of deposit
CRISIL-A1+
1.61%
CD - CANARA BANK - 02/03/2027 · Certificate of deposit
CRISIL-A1+
1.61%
CD - UNION BANK OF INDIA - 16/03/2027 · Certificate of deposit
ICRA-A1+
1.61%
CD - AU SMALL FINANCE BANK LTD - 10/06/2027 · Certificate of deposit
CARE-A1+
1.57%
CD - SIDBI - 11/08/2027 · Certificate of deposit
CARE-A1+
1.56%
7.59% GJ SDL 15/02/2027 · State government security
SOV
0.83%
NCD NUVAMA WEALTH FINANCE LTD · Bond
CARE-AA
0.83%
NCD ERIS LIFESCIENCES LTD · Bond
IND-AA
0.83%
NCD EMBASSY OFFICE PARKS REIT · Bond
CRISIL-AAA
0.83%
07.15% KARNATAKA SDL MAT - 11/01/2027 · State government security
SOV
0.83%
NCD GODREJ INDUSTRIES LTD. · Bond
CRISIL-AA+
0.81%
NCD INDIGRID INFRASTRUCTURE TRUST · Bond
CRISIL-AAA
0.81%
CP MUTHOOT FINCORP LIMITED · Commercial paper
CRISIL-A1+
0.80%
NCD VEDANTA ALUMINIUM METAL LTD. · Bond
ICRA-AA+
0.50%
NCD 360 ONE PRIME LTD · Bond
CRISIL-AA
0.45%
CORPORATE DEBT MARKET DEVT FUND - A2 UNITS
-
0.44%
NCD NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT · Bond
ICRA-AAA
0.33%
NCD 360 ONE PRIME LTD · Bond
ICRA-AA
0.33%
UTI Ultra Short Term Fund Portfolio Overlap
Funds with the most similar portfolios, across every fund house and category
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 Ultra Short Term Fund Overview
Fund facts from the scheme summary document, as on 16-10-2026
Expense ratio (Direct)
0.37%
Expense ratio (Regular)
0.98%
Category
Ultra Short
Risk
Moderate
Launch date
29-08-2003
AUM
₹3,016.86 Cr (30-09-2026)
Lock in
None
Scheme code (Direct)
120746
ISIN (Direct)
INF789F01TI1
Scheme code (Regular)
112083
ISIN (Regular)
INF789F01PM1
NAV history
From 02-01-2013, 13.8 years
Benchmark
NIFTY Ultra Short Duration Debt Index A-I
Minimum investment
Regular Plan-Quarterly Reinvestment of IDCW- Rs.20000, Regular Plan-Quarterly Payout of IDCW- Rs.20000, Regular Plan-Monthly Reinvestment of IDCW- Rs.20000, Regular Plan-Monthly Payout of IDCW- Rs.20000, Regular Plan-Half-yearly Reinvestment of IDCW- Rs.2
Minimum additional investment
Regular Plan-Quarterly Reinvestment of IDCW-Rs.500, Regular Plan-Quarterly Payout of IDCW-Rs.500, Regular Plan-Monthly Reinvestment of IDCW-Rs.500, Regular Plan-Monthly Payout of IDCW-Rs.500, Regular Plan-Half-yearly Reinvestment of IDCW-Rs.500, Regular P
Exit load
Nil
Tax on UTI Ultra Short Term Fund returns
UTI Ultra Short Term 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
₹4,946.8208
30-10-2026
direct
Annual IDCW
₹1,555.9987
30-10-2026
direct
Reinvestment Daily IDCW
₹1,645.7248
30-10-2026
direct
Flexi IDCW
₹2,400.0751
30-10-2026
direct
Fortnightly IDCW
₹1,364.5378
30-10-2026
direct
Half Yearly IDCW
₹1,568.4706
30-10-2026
direct
Monthly IDCW
₹1,177.2104
30-10-2026
direct
Quarterly IDCW
₹2,053.9675
30-10-2026
direct
Reinvestment Weekly IDCW
₹1,084.9882
30-10-2026
regular
Discontinued Institutional Growth
₹3,276.7057
30-10-2026
regular
Growth
₹4,572.9867
30-10-2026
regular
Annual IDCW
₹1,496.4453
30-10-2026
regular
Reinvestment Daily IDCW
₹1,053.0836
30-10-2026
regular
Flexi IDCW
₹1,765.3269
30-10-2026
regular
Fortnightly IDCW
₹1,323.9005
30-10-2026
regular
Half Yearly IDCW
₹1,035.2149
30-10-2026
regular
Monthly IDCW
₹1,129.6386
30-10-2026
regular
Quarterly IDCW
₹1,321.3752
30-10-2026
regular
Reinvestment Weekkly IDCW
₹1,447.2037
30-10-2026
About UTI Ultra Short Term Fund
UTI Ultra Short Term Fund is a mutual fund from UTI Mutual Fund. Its category is Ultra Short. It was launched on 29-08-2003. Its benchmark is NIFTY Ultra Short Duration Debt Index A-I. At the end of September 2026 it held 52 securities.
Frequently Asked Questions for UTI Ultra Short Term Fund
What is the current NAV of UTI Ultra Short Term Fund?
The Direct plan NAV is ₹4,946.8208. The Regular plan NAV is ₹3,276.7057, as on 30-10-2026.
What are the returns of UTI Ultra Short Term Fund?
The Direct plan returned +6.45% in 1 year, +7.25% a year over 3 years, +6.65% a year over 5 years. The Regular plan returned +5.79% in 1 year, +6.67% a year over 3 years, +6.15% a year over 5 years. These figures are as on 30-10-2026.
What is the expense ratio of UTI Ultra Short Term Fund?
The Direct plan charges 0.37% a year. The Regular plan charges 0.98% a year. This is the figure the fund house reported to AMFI, in force from 22-10-2026.
What is the AUM of UTI Ultra Short Term Fund?
UTI Ultra Short Term Fund managed ₹3,016.86 Cr on 30-09-2026, as its fund house reported in its monthly portfolio.
What are the top holdings of UTI Ultra Short Term Fund?
At the end of September 2026 the largest holdings were 364 DAYS T-BILL - 26/11/2026 (6.58%), CD - INDIAN BANK - 22/01/2027 (5.68%), CD - HDFC BANK LTD - 15/02/2027 (4.85%), CD - AXIS BANK - 26/02/2027 (4.84%), CD - EXIM BANK - 29/01/2027 (4.05%). The fund held 52 securities in all.
How do I invest in UTI Ultra Short Term 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 Regular Plan-Quarterly Reinvestment of IDCW- Rs.20000, Regular Plan-Quarterly Payout of IDCW- Rs.20000, Regular Plan-Monthly Reinvestment of IDCW- Rs.20000, Regular Plan-Monthly Payout of IDCW- Rs.20000, Regular Plan-Half-yearly Reinvestment of IDCW- Rs.2. You can invest once or through a monthly SIP.
Who is the fund manager of UTI Ultra Short Term Fund?
Anurag Mittal FM 1, Not Applicable FM 2, Not Applicable FM 3, Not Applicable FM 4.
What is the exit load of UTI Ultra Short Term 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.
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