UTI Children’s Equity Fund

Q: What is the minimum investment?

You can start with as little as â¹1,000 in lumpsum or via â¹1,000/month SIP.

Q: What risk does the fund carry?

It is classified as âVery High Risk,â so it's suitable for those with high risk tolerance.

Q: Can I redeem after the lock-in period?

Yes, there's no exit load post lockâin, offering flexibility when your child reaches adulthood.

UTI Children’s Equity Fund

A child's future planning includes efficient financial planning, enabling parents to build a corpus for their children’s needs, such as higher education. UTI Children’s Equity Fund is a solution-oriented mutual fund designed for children’s long-term financial goals. The fund requires a lock-in of 5 years or until the child attains majority (whichever is earlier), targeting child-focused goals. By investing in a diversified equity portfolio with a mandatory lock-in, this fund aims to build substantial capital over time.

Information on UTI Children’s Equity Fund

Key details of this child plan scheme are:

Scheme Launch Date: January 30, 2008

NAV (as on 30 Jun 2025): ₹95.7997

AUM (as on 30 Jun 2025): ₹1,129.41 crore

Fund Manager: Mr. Sachin Trivedi

Benchmark Index: Nifty 500 TRI

Total Expense Ratio (Direct Plan): 1.17%

Total Expense Ratio (Regular Plan): 2.24%

Special Facilities: Redeem, SIP (Systematic Investment Plan), Switch

Investment Style:

Blend of growth and value investing
Focus on diversification across sectors and market capitalizations
Invests in sustainable and transformational businesses

Benefits of UTI Children’s Equity Fund

The benefits of UTI Children’s Equity Fund are:

Long-Term Wealth Accumulation: The fund's focus on equity and long-term investment horizon allows for significant wealth creation through the power of compounding.

Financial Security for Children: It provides a dedicated avenue to save and invest for crucial child-related expenses such as higher education, marriage, or starting a business.

Diversified Portfolio: The blend style of investing across sectors and market capitalizations offers diversification, potentially reducing overall risk.

Disciplined Investing: The inherent 5-year lock-in period encourages investors to stay invested for the long term, fostering financial discipline.

Conclusion

UTI Children’s Equity Fund is a renowned investment option for parents aiming to secure their children’s future needs through disciplined, long-term equity investing. With seasoned fund management, diversified equity exposure, and strong historical returns, this fund aligns well with long-term children's goals—though suitable only for investors comfortable with market volatility.

FAQs

Who should invest in UTI Children’s Equity Fund?

Parents or guardians seeking long-term capital growth for children's goals through equities.

What is the lock-in period?

It has a mandatory lock-in of 5 years or until the child turns 18, whichever comes first.

What is the minimum investment?

You can start with as little as ₹1,000 in lumpsum or via ₹1,000/month SIP.

What risk does the fund carry?

It is classified as “Very High Risk,” so it's suitable for those with high risk tolerance.

Can I redeem after the lock-in period?

Yes, there's no exit load post lock‑in, offering flexibility when your child reaches adulthood.

Period	Fund (NAV %)	Nifty 500 TRI %	Fund NAV Value (Rs) (Growth of ₹10,000)	Nifty 500 TRI(Rs) (Growth of ₹10,000)
1 Year	8.78%	9.02%	₹10,878	10,902
3 Years	14.87%	18.42%	₹15,163	16,614
5 Years	21.32%	25.10%	₹26,296	30,658
Since Inception	11.92%	11.22%	₹70,520	63,249

Features of UTI Children’s Equity Fund

Information on UTI Children’s Equity Fund

Fund Performance vs Benchmark (CAGR)