UTI Growth-/Equity-Oriented fund Scheme
UTI equity funds are intended to provide long-term capital appreciation. In UTI equity funds, a major part of the corpus is invested in equities and related instruments. Equity funds are suitable for investors with high risk appetite and are offered with various options, such as dividend option and capital appreciation.
An UTI equity fund allows the investors to change the payout options at a later date.
UTI Income-/Debt-Oriented Scheme
UTI Income Funds provide a regular and steady income to their investors. These funds are considered “safe” funds as investment is generally done in fixed income securities such as bonds, corporate debentures, Government securities and money market instruments. The debt-oriented funds by UTI are less risky as compared to the equity schemes since these funds are not affected by any fluctuations in equity markets.
UTI Balanced Fund
The UTI Balanced Fund schemes offer both growth and regular income funds to their investors. These funds are designed to invest both in equities and fixed income securities in a specific proportion. The product is considered to be most suitable for investors who are looking for moderate growth with low risks as NAVs of balanced funds are likely to be less volatile compared to pure equity funds.
UTI Money Market or Liquid Fund
UTI Liquid Funds, or generally referred to as income funds, offer easy liquidity along with preservation of capital and moderate income. UTI liquid funds invest in safe short-term instruments, such as treasury bills, deposits or commercial paper, government securities, etc. The returns on liquid funds fluctuate lesser as compared to other funds. These funds are perfect investment solution for corporate houses and individual investors who are looking to park their surplus funds for short periods.
UTI Gilt Fund
UTI Gilt Funds are meant exclusively for investment in government securities having no default risk. The NAV of this scheme fluctuate because of changes in interest rates and other economic factors.