UTI Medium to Long Duration Fund - Growth

Regular

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.
Direct

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.

No of Debt Holding 14 (Category Avg - 25.08) | Modified Duration 5.44 Years (Category Avg - 5.81)| Yield to Maturity 7.20% (Category Avg - 7.02%)

Portfolio Summary (as on 31st Aug,2025)

Security Type	% Weight	Category Average
GOI	55.06%	65.40%
CD	0.00%	0.49%
T-Bills	0.00%	0.06%
NCD & Bonds	36.84%	27.85%
PTC	4.39%	0.34%

Category - Medium to Long Duration Fund

Security Type	% Weight	Category Average
Government Backed	55.06%	65.46%
Low Risk	41.23%	28.68%
Moderate Risk	0.00%	0.00%
High Risk	0.00%	0.00%
Very High Risk	0.00%	0.00%
Others	0.00%	0.00%

Category - Medium to Long Duration Fund

Debt holding in Portfolio (as on 31st Aug,2025)

Instrument	Type	Sector	Rating	Rating Agency	Value (Mn)	% of Total Holding	Quantity
Bond - Govt of India	GOI	Other			1182.70	36.52%	119.00
Bond - LIC Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	254.44	7.86%	250.00
Bond - HDB Financial Services Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	252.36	7.79%	250.00
Bond - Govt of India	GOI	Other			251.91	7.78%	25.00 Cr
Bond - Indian Railway Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	250.25	7.73%	2.50 k
Bond - Govt of India	GOI	Other			245.40	7.58%	25.00 Cr
Bond - Cholamandalam Investment & Finance Co. Ltd.	NCD & Bonds	Non banking financial company (nbfc)	LAA+	ICRA	152.88	4.72%	1.50 k
Bond - Aditya Birla Renewables Ltd.	NCD & Bonds	Power generation	AA	CRISIL	152.35	4.70%	1.50 k
Bond - India Universal Trust	PTC	Ptc	INDAAA	FITCH	142.15	4.39%	15.00
Bond - Bajaj Finance Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	70.02	2.16%	700.00
Bond - Govt of India	GOI	Other			51.62	1.59%	5.00 Cr
Bond - Govt of India	GOI	Other			51.58	1.59%	5.00 Cr
Bond - Mankind Pharma Ltd.	NCD & Bonds	Pharmaceuticals	AA+	CRISIL	50.79	1.57%	500.00
Bond - Aditya Birla Finance Ltd.	NCD & Bonds	Non banking financial company (nbfc)	LAAA	ICRA	10.09	0.31%	10.00 k

Name	Type of Instrument	Weight (%)
Net Receivables	Net Receivables	2.99%
TREPS	TREPS	0.68%
Margin	Margin	0.04%

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hunch
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34 days ago

JMFLEXICAPfund regular is howing worst performance. bought at 107.693 in jly 24 and now 97.43 how to shuffle and compensate loss View more

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  JMFLEXICAPfund regular is howing worst performance. bought at 107.693 in jly 24 and now 97.43 how to shuffle and compensate loss
  
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shravanashok
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49 days ago

need your suggestion for sbi psu fund direct growth stay or switch View more

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The Fixed Income
Bonds
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7 hrs ago

Secure Fixed Returns with Senior Secured Bonds 9.15% Vivriti Capital Ltd – 2027 ✔️ Coupon: 9.15% p.a. ✔️ Rating: CARE A+ Stable ✔️ Tenor: 2y 1m (Maturity: 04/Nov/2027) Senior Secured | NBFC Bond | High Return | Listed A short-term, secured NBFC bond offering attractive returns with strong credit backing. ???? Explore on The Fixed Income: https://www.thefixedincome.com/product/dVJhbmJ3PT0=/915-vivriti-capital-limited-2027?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list View more

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  Secure Fixed Returns with Senior Secured Bonds 9.15% Vivriti Capital Ltd – 2027 ✔️ Coupon: 9.15% p.a. ✔️ Rating: CARE A+ Stable ✔️ Tenor: 2y 1m (Maturity: 04/Nov/2027) Senior Secured | NBFC Bond | High Return | Listed A short-term, secured NBFC bond offering attractive returns with strong credit backing. ???? Explore on The Fixed Income: https://www.thefixedincome.com/product/dVJhbmJ3PT0=/915-vivriti-capital-limited-2027?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list
  
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sunny85deol
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99 days ago

Hello sir, I have been invested in these funds since 2017. Last SIP was in 2021. As their NAV have grown so I was thinking of switching to other funds with lower NAV. View more

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  Hello sir, I have been invested in these funds since 2017. Last SIP was in 2021. As their NAV have grown so I was thinking of switching to other funds with lower NAV.
  
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Progrowth Finwealth
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100 days ago

Hi Sunny, what is he period of holding and also any particular reson for withdrawl out of these two funds that have grown over a period of time View more | 1

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  Hi Sunny, what is he period of holding and also any particular reson for withdrawl out of these two funds that have grown over a period of time
  
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h_purandare
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106 days ago

Why are the NAVs of Indian Debt Mutual Funds going down after the rate cut View more

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