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UTI Gilt Fund with 10 year Constant Duration(H-IDCW)

Ticker: mf17170

Decent 72/100

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Business Overview

UTI Gilt Fund is a debt mutual fund that invests primarily in government securities with a constant duration of 10 years. It is ideal for conservative investors seeking stable returns while minimizing credit risk. This fund is particularly suitable for those looking to preserve capital and generate income in a low-interest-rate environment. With a focus on long-term growth, it offers a reliable option for wealth accumulation through fixed-income investments.

Invests in government securities for safety
Ideal for conservative investors
Minimizes credit risk
Suitable for long-term wealth accumulation
Provides stable income in low-interest environments

Investment Thesis

UTI Gilt Fund stands out due to its strong promoter credibility, a robust digital services growth trajectory, and attractive valuations compared to peers. This combination positions it as a compelling investment choice for retail investors seeking stability and growth in the fixed income space.

Promoted by UTI Asset Management Company, a trusted name in Indian finance.
Significant growth potential in digital services enhancing fund accessibility and management.
Valuations remain attractive relative to peer funds, offering potential for better returns.
Focus on government securities provides safety and stability in uncertain markets.
Ideal for risk-averse investors looking for consistent income streams.

Opportunity vs Risk

Opportunities

Stable returns in low-interest environment
Potential tax benefits on long-term gains
Diversification in fixed income portfolio
Suitable for risk-averse investors

Risks ⚠️

Interest rate fluctuations impact returns
Inflation may erode real gains
Market volatility affects bond prices
Liquidity concerns in extreme scenarios

📊 Stock Investment Checklist (100 Points)

UTI Gilt Fund with 10 year Constant Duration(H-IDCW) • Updated: 2025-10-01 07:45:26

10

Business
High

Government securities are stable but face competition from other fixed income options.
10

Growth
High

Consistent growth in AUM but limited by interest rate fluctuations.
10

Profitability
High

Moderate ROE and OCF, but net profit margins are under pressure.
10

Valuation
High

Valuation metrics are in line with peers but lack significant upside.
8

Balance
High

Strong liquidity position but moderate debt levels.
7

Governance
High

Good promoter holding with transparent disclosures.
6

Drivers
Good

Interest rate movements are key drivers, with execution risks in fund management.
4

Technicals
Good

Market sentiment is cautious with low liquidity.

Final Score & Verdict

Score 72 / 100 • Decent

UTI Gilt Fund is a decent investment option for conservative investors seeking stability in fixed income, but potential investors should be cautious of interest rate risks.