UTI Dynamic Bond Fund

Akin to any open-ended debt mutual fund scheme, UTI Dynamic Bond Fund invests in bonds expecting maximum returns without being restricted to duration. The Fund actively decides whether to invest in long-term bonds slated to mature after a long period or short-term bonds due for redemption in a short period.

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The Fund portfolio includes 65.1% investment in GOI bonds and treasury bills, 10.17% in cash and its equivalents, and the balance in various corporate debt securities.

UTI Dynamic Bond Fund is available in four plan categories:

  • Growth - Direct
  • IDCW - Direct
  • Growth - Regular
  • IDCW - Regular

Investment Facts

Parameter

Details

Fund Name 

UTI Dynamic Bond Fund

Fund House

UTI Mutual Fund

Launch Date 

23-Jun-2010

Benchmark

CRISIL Dynamic Debt Index

Type

Open-Ended

Minimum Investment 

Rs. 500/-

Minimum Additional Investment: Rs.500/-

Minimum SIP Investment: Rs.500/-

Lock-in Period

None

Entry Load

Not applicable

Exit Load

·         3% for redemption within 89 days

·         2% for redemption between 90 - 179 days

·         1% for redemption between 180 - 364 days

Return Performance

Low

Fund Consistency

Moderately High

Risk Level

High

Investment Objective

UTI Dynamic Bond Fund aims to provide attractive returns to investors through investment in a portfolio of creditworthy debt securities of differing maturities. The Fund allocates its corpus across debt securities based on the expected interest rate scenario. The Fund invests intending to achieve attractive risk-adjusted returns by judiciously balancing credit risk and interest rate movements.

Fund Summary

  1. UTI Dynamic Bond Fund Direct Plan-Growth

    • Risk level-Moderately High
    • NAV-Rs.22.3558 as of 05.07.2021
    • Expense Ratio-1.03%
    • Fund Started-01.01.2013
  2. UTI Dynamic Bond Fund Direct Plan IDCW 

    • Risk level-Moderately High
    • NAV-Rs.11.5079 as of 05.07.2021 (Annual)
    • NAV-Rs.11.5525 as of 05.07.2021 (Half Yearly)
    • NAV-Rs.17.2034 as of 05.07.2021 (Quarterly)
    • NAV-Rs.11.6719 as of 05.07.2021 (As and When)
    • Expense Ratio-1.03%
    • Fund Started-01.01.2013
  3. UTI Dynamic Bond Fund Regular Plan-Growth

    • Risk level-Moderately High
    • NAV-Rs.21.1921 as of 05.07.2021
    • Expense Ratio-1.59%
    • Fund Started-23.06.2010
  4. UTI Dynamic Bond Fund Regular Plan IDCW 

    • Risk level-Moderately High
    • NAV-Rs.11.1485 as of 05.07.2021 (Annual)
    • NAV-Rs.10.9923 as of 05.07.2021 (Half Yearly)
    • NAV-Rs.11.9919 as of 05.07.2021 (Quarterly)
    • NAV-Rs.11.234 as of 05.07.2021 (As and When)
    • Expense Ratio-1.59%
    • Fund Started-23.06.2010

Fund Returns Summary

  1. UTI Dynamic Bond Fund Direct Plan-Growth - Returns Summary

    Period

    Returns Per Year (Annualized)

    6 Months

    0.42%

    1 year

    2.86%

    2 years

    4.68%

    3 years

    2.48%

    5 years

    4.88%

    Since Inception

    7.03%

  2. UTI Dynamic Bond Fund Direct Plan IDCW - Returns Per Year (Annualized)

    Period

    Yearly

    Half Yearly

    Quarterly

    As and When

    6 Month

    -3.81%

    -1.31%

    0.42%

    -3.75%

    1 Year

    -1.44%

    -1.46%

    2.86%

    -1.38%

    2 Year

    2.46%

    2.45%

    4.68%

    2.49%

    3 Year

    0.52%

    0.66%

    2.48%

    0.54%

    5 Year

    1.09%

    3.21%

    4.43%

    3.11%

    Since Inception

    2.67%

    3.77%

    6.70%

    4.23%

  3. UTI Dynamic Bond Fund Regular Plan-Growth - Returns Summary

    Period

    Returns Per Year (Annualized)

    6 Months

    0.14%

    1 year

    2.28%

    2 years

    4.07%

    3 years

    1.83%

    5 years

    4.16%

    10 years

    6.97%

    Since Inception

    7.04%

  4. UTI Dynamic Bond Fund Regular Plan IDCW - Returns Per Year (Annualized)

    Period

    Yearly

    Half Yearly

    Quarterly

    As and When

    6 Month

    -4.20%

    -1.67%

    -0.28%

    -4.17%

    1 Year

    -2.13%

    -2.22%

    -0.63%

    -2.10%

    2 Year

    1.80%

    1.75%

    2.58%

    1.81%

    3 Year

    -0.17%

    -0.05%

    0.57%

    -0.15%

    5 Year

    2.35%

    2.45%

    2.90%

    2.37%

    10 Year

    3.14%

    3.08%

    5.12%

    -

    Since Inception

    -

    -

    5.31%

    3.29%

Summative Pros and Cons 

Pros

Cons

Invests in debt securities across the various short-term and long-term durations.

The Fund shows less performance as compared to its Scheme Benchmarks.

It is capable of earning steady returns irrespective of the interest rate cycle. 

The Fund has a 20.17% investment in NCDs with a ‘D’ rating.

Benefits of UTI Dynamic Bond Fund

UTI Dynamic Bond Fund provides the following benefits to the investors:

  • Dynamic Investment Allocation: Dynamic bond funds invest in debt securities of both long and short duration. Such funds can suitably alter their investment allocations between long-term and short-term bonds. Thus, they can benefit from any fluctuating interest-rate cycles.
  • Stable returns: UTI Mutual Fund delivers value to its investors through stable returns over the years. It invests through various business cycles in rated corporate stocks with a reliable background and robust business strength.

Fund House Details

UTI Dynamic Bond Fund is part of UTI Mutual Fund, the oldest and one of the largest mutual funds in India. It has a long and distinguished pedigree, along with a nationwide distribution network spread across the length and breadth of the country. UTI Mutual Fund became a SEBI registered Mutual Fund in 2003.

UTI Mutual Fund is administered by UTI Asset Management Co. Ltd. (UTI AMC), a professionally managed company without an identifiable promoter in terms of SEBI Regulations. Save for SBI, LIC, BOB, PNB, and T Rowe Price Group Inc., that hold 18.24%, 18.24%, 18.24%, 18.24%, and 26% of the paid-up Equity Share capital of UTI AMC, respectively, no shareholder controls 15% or more of the voting rights in UTI AMC.

Fund Manager

  • Mr Amandeep Singh Chopra (since 16-Feb-2012)

Who Should Invest In UTI Dynamic Bond Fund?

While UTI Dynamic Bond Fund is ideal for an investment horizon of 1-3 years, such types of funds don’t suit all investors. Funds such as UTI Dynamic Bond Fund are suitable for investors who wish to invest in the bond market but are not competent to make any decisions on interest rate movements.

Investors who want to build their medium-term debt portfolio in an uncertain investment horizon and those seeking to diversify their asset allocation across various asset classes may consider investing.

In Conclusion

UTI Dynamic Bond Fund is an all-weather fund that can mitigate the risk of a dynamic interest rate environment. It aims to earn attractive returns by expanding duration when interest rates fall and protect capital loss by reducing duration in a rising interest rate environment.

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