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
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10BusinessHighGovernment securities are stable but face competition from other fixed income options.
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10GrowthHighConsistent growth in AUM but limited by interest rate fluctuations.
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10ProfitabilityHighModerate ROE and OCF, but net profit margins are under pressure.
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10ValuationHighValuation metrics are in line with peers but lack significant upside.
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8BalanceHighStrong liquidity position but moderate debt levels.
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7GovernanceHighGood promoter holding with transparent disclosures.
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6DriversGoodInterest rate movements are key drivers, with execution risks in fund management.
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4TechnicalsGoodMarket 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.