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UTI Mutual Fund Child Plan
The UTI Mutual Fund Child Plan is a solution-oriented fund that caters to long-term child financial planning. The fund started on 30th January 2008 and follows the NIFTY 500 TRI benchmark. As on 31st August 2026, the month-end AUM is ₹1,132.84 crore. The major objective of the fund is to provide capital growth. However, the returns depend on the performance of the market.
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- UTI Mutual Fund Child Plan
Highlights of UTI Mutual Fund Child Plan
- Long-Term Approach: The UTI Mutual Fund Child Plan is an excellent investment option for individuals looking for a long-term investment plan for fundamental aspects, such as education and expenses for the future.
- Equity-driven Portfolio: The scheme lays heavy emphasis on equity investments by investing mostly in equity instruments and also other similar securities.
- Lock-In Period: Investment has a lock-in period of 5 years, or until the child becomes an adult (whichever is earlier), for any withdrawals.
- Key Holdings: Some of the holdings include stocks like ICICI Bank, HDFC Bank, Bharti Airtel, Bajaj Finance, and Reliance Industries.
- Assets Under Management: The UTI Mutual Fund Child Plan reported an AUM of ₹1,132.84 crores at month-end.
- Risk Factor: The scheme has a Very High risk rating, so the investors should assess their risk appetite before investing.
Key Information About UTI Mutual Fund Child Plan
| Detail | Information |
| Fund House | UTI Mutual Fund |
| Date of Launch | 30 January 2008 |
| Total AUM | ₹1,132.84 Cr (as on 31 Aug 2026) |
| Fund Category | Solution Oriented - Children’s Education |
| Fund Benchmark | NIFTY 500 TRI |
| NAV of the Fund | ₹89.10 (as on 23 Sep 2026) |
| Min. Investment | ₹1,000 |
| Plan Type | Regular |
| Risk Level | Very High |
| Fund Manager | Sachin Trivedi |
| Investment Objective | The scheme seeks to generate long term capital appreciation by investing predominantly in equity and equity related securities of companies across the market capitalisation spectrum. |
Performance of UTI Mutual Fund Child Plan
The Direct Growth plan's past performance can be summed up as follows:
| Period | 1Y | 3Y | 5Y | Since Inception |
| Fund Returns | -0.52% | 9.19% | 7.68% | 12.66% |
Returns are related to market returns and prior performance is not a judge of future performance.
Asset Allocation of UTI Mutual Fund Child Plan
The UTI Mutual Fund Child Plan has a mostly investment portfolio of equities. The asset distribution as on 31 August, 2026 is:
| Asset Type | Allocation |
| Equity | 94.9% |
| Debt | 5.11% |
| Other | 0 |
Within the equity portion, the fund holds a large-cap bias.
| Market Cap | Allocation |
| Large Cap | 75.36% |
| Mid Cap | 15.64% |
| Small Cap | 9.03% |
Top 10 Holdings of UTI Mutual Fund Child Plan
| Company Name | Sector | Portfolio Weight |
| ICICI Bank Ltd. | Financial | 7.66% |
| HDFC Bank Ltd. | Financial | 7.64% |
| TREPS Matured on 01.09.2026 | Cash Equivalent | 5.38% |
| Bharti Airtel Ltd. | Telecom | 4.23% |
| Bajaj Finance Ltd. | Financial | 4.09% |
| Reliance Industries Ltd. | Energy | 3.95% |
| Axis Bank Ltd. | Financial | 3.88% |
| Infosys Ltd. | Technology | 3.41% |
| Maruti Suzuki India Ltd. | Automobile | 2.89% |
| Eternal Ltd. | Consumer | 2.5% |
Holdings as on 18th Sep 2026. Four of the top seven positions sit in the Financial sector, which explains the heavy sector concentration noted below.
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Sector Allocation of UTI Mutual Fund Child Plan
| Sector | Allocation |
| Financial Services | 34.73% |
| Information Technology | 9.53% |
| Automobile and Auto Components | 7.49% |
| Consumer Services | 6.35% |
| Consumer Durables | 6.15% |
| Healthcare | 5.75% |
| Oil, Gas & Consumable Fuels | 5.59% |
| Telecommunication | 4.46% |
| Fast Moving Consumer Goods | 3.67% |
| Capital Goods | 3.15% |
Expense Ratio, Exit Load and Taxation of UTI Mutual Fund Child Plan
| Category | Details |
| Exit Load | 0% |
| Short Term Capital Gains (STCG) | Taxed at 20% if redeemed within 1 year |
| Long Term Capital Gains (LTCG) | Gains above ₹1.25 lakh in a financial year taxed at 12.5% after 1 year |
FAQs
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Is the UTI Mutual Fund Child Plan suitable for a child’s education?
The UTI Mutual Fund Child Plan is appropriate for individuals who seek a long-term investment decision and already have a high tolerance for market risk. In addition to the UTI Mutual Fund Child Plan, parents can also consider different options under a child education plan, which can be helpful for future education expenses. -
What is the lock-in period of UTI Mutual Fund Child Plan?
The UTI Mutual Fund Child Plan has a lock-in period of a minimum of 5 years or until the child reaches the age of majority, if that comes first. Investors should take note of this restriction before investing if they are comparing it with other children’s gift funds or mutual fund child plans. -
Is UTI Mutual Fund Child Plan a Children's Gift Fund?
The UTI Mutual Fund Child Plan is a children’s mutual fund focused on equity investments. When comparing different children’s gift fund options, parents must consider the portfolio allocation, risk, costs, and duration of the investment in question. -
Is UTI Mutual Fund Child Plan a good investment?
UTI Mutual Fund Child Plan caters to investors who want to invest for their child’s future, keeping in mind the potential risk associated with the product. Investments made in these children’s gift funds have no guaranteed returns, as do investments made in other equity-linked investment schemes. Investors must take into account various factors such as the equity exposure of the fund, expenses, lock-in, and past performance before investing in the fund.
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˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in
*All savings are provided by the insurer as per the IRDAI approved insurance
plan.
^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
#The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 1 Cr. is for a 30 year old healthy individual investing Rs 10,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: ₹1,05,02,174 @ CARG 8%; ₹50,45,591 @ CAGR 4%
+Returns Since Inception of LIC Growth Fund
¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.