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An open-ended debt fund which predominantly invests in Government Securities
The Fund predominantly invests in Government Securities issued by the Central and/or state governments. It aims to generate returns free of credit risk with active duration management. The Fund has the ability to reduce/ increase duration when interest rates are expected to rise/ fall.
Nil
SWP/Redeem/SIP/Switch
Relatively High interest rate risk and Relatively Low Credit Risk (A-III)
Securities issued by the Central Government and / or State Government and / or any security unconditionally guaranteed by the Central Government and / or State Government: 80-100% (Sovereign) Triparty Repos on Government Securities or treasury bill, Repo, Reverse Repo & instruments of such nature: 0-20% (Low)
The investment objective of the scheme is to generate credit risk-free return through investment in sovereign securities issued by the Central Government and / or a State Government and / or any security unconditionally guaranteed by the Central Government and / or a State Government for repayment of principal and interest. However there can be no assurance that the investment objective of the Scheme will be achieved. The Scheme does not guarantee / indicate any returns.
Gilt
An open ended debt scheme investing in government securities across maturities. A Relatively High interest rate risk and Relatively Low Credit Risk (A-III)
- The Fund predominantly invests in sovereign rated government securities which enables investors to minimise their credit risk
- It is an actively managed fund with the flexibility to alter duration as per market movements
- The Fund typically generates capital appreciation in a falling interest rate environment and vice versa
This product is suitable for investors who are seeking*: Credit risk free return over the medium to long term. Investment in sovereign securities issued by the Central Government and / or a State Government and / or any security unconditionally guaranteed by the Central Government and / or a State Government. Investors should consult their financial advisers if in doubt about whether the product is suitable for them.
- Investors looking for overall portfolio diversification
- Investors who want growth with limited downside risk to their portfolio
- Investors looking for tax efficient returns
- Retirees looking for moderate and stable returns with low volatility
- First time mutual fund investors
UTI Gilt Fund is an open ended Gilt Fund which predominantly invests in Government Securities issued by the Central and/or state governments. The scheme aims to generate resonable returns with the possibility of capital appreciation over a long term horizon. From a credit perspective, investments are made in the highest rated instruments (Government Securities) thus minimalizing the credit risk of the portfolio. Investors having an invetsment horizon of more than 3 years may look at this fund
UTI Gilt Fund is an open ended Gilt Fund which predominantly invests in Government Securities issued by the central and/or state government.
• Investors who have moderate risk appetite with a longer investment horizon
• Investors looking for capital appreciation in a falling interest rate environment
• Investors seeking to build their long term debt portfolio
• Investors having an investment horizon of 3 years & above may look at this fund
UTI Gilt Fund predominantly invests in Government Securities issued by the central and/or state government. The scheme aims to generate stable and regular returns with possibility of capital appreciation over a long term horizon. From a credit perspective, investments are made in highest rated instruments (Government Securities) thus minimalizing the credit risk of the portfolio.
A Gilt fund will attract capital gains tax if the redemption value is more than the purchase price. The gains can either be short term or long term in nature.
If you hold units for 3 years or less, the gains made are subject to Short-Term Capital Gains Tax and are taxed as per your income slab. If you hold the units for more than three years, the gains are subject to Long-Term Capital Gains Tax which is taxed at 20% and you would get the benefit of indexation (available to debt funds). Indexation accounts for the effect of inflation in the acquisition purchase cost i.e. the purchase price is increased to adjust for inflation (using an index provided by the Government) before calculating the capital gain. Thus, it reduces the overall tax liability.
Investors can simply log on to utimf.com or use UTI Mutual Fund Application and start investing subject to KYC compliance. Investors may also approach nearest UTI Financial Centers (UFCs). Alternatively, you may also approach your mutual fund distributor, financial advisor or various online platform for investments.