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UTI Children's Gift Fund
UTI Children's Equity Fund is a Children Solutions scheme from UTI Mutual Fund, built to grow a corpus for a child's future needs. Launched on 30th January 2008, it has delivered 12.66% average annual returns since inception, with a one-year return of -0.52%. The fund holds 94.9% in equity and 5.11% in debt. The fund's NAV is ₹88.92 as on 21 September 2026.
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- UTI Children's Gift Fund
Highlights of UTI Children's Equity Fund
- Performance and Consistency: The fund has doubled invested money approximately every 7 years. It is as consistent as most funds in the category, but it has average ability to limit losses in a falling market.
- Risk Ratios: The Sharpe ratio of 0.22 versus 0.81 suggests poorer risk-adjusted returns.
- Lower Volatility: The Children's Gift Fund has an annual standard deviation of 12.70% and a beta of 0.86.
- Sector Allocation: The equity portfolio leans heavily on Financial at 34.73%, followed by Information Technology at 9.53% and Automobile and Auto Components at 7.02%.
- Top Holdings: The five largest positions are ICICI Bank, HDFC Bank, Bharti Airtel, Bajaj Finance and Reliance Industries, giving the portfolio a large-cap blue-chip tilt.
- Expense Ratio Higher Than Average: At 2.19%, the expense ratio of the scheme is higher than the 1.84% of the category average. This will definitely impact the corpus over a long tenure.
Key Information About UTI Children's Equity Fund
| Detail | Information |
| Fund House | UTI Mutual Fund |
| Date of Launch | 30 January 2008 |
| Fund Age | 18 years 8 months |
| Month-End AUM | ₹1,132.84 Cr (as on 31 August 2026) |
| Fund Category | Solution Oriented - Children’s Education |
| Fund Benchmark | NIFTY 500 TRI |
| NAV of the Fund | ₹88.92 |
| Min. Investment | ₹1,000 |
| Total Expense Ratio | 2.24% (as on 31 August 2026) |
| Returns Since Inception | 12.66% p.a. |
| 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 Children's Equity Fund
| Period | 1Y | 3Y | 5Y | Since Inception |
| Fund Returns | -0.52% | 9.19% | 7.68% | 12.66% |
*As on 31 August, 2026
The one-year figure reflects a weak recent stretch rather than the fund's long-term track record. A look at quarterly returns shows how sharply performance can swing from one quarter to the next.
Asset Allocation of UTI Children's Equity Fund
| 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% |
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Top 10 Holdings of UTI Children's Equity Fund
| 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.
Sector Allocation of UTI Children's Equity Fund
| Sector | Allocation |
| Financial Services | 34.73% |
| Information Technology | 9.53% |
| Automobile and Auto Components | 7.02% |
| 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 Children's Equity Fund
| Category | Details |
| Total Expense Ratio | 2.24% (Regular Plan) |
| 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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What is UTI Children's Gift Fund?
UTI's Children's Gift Fund is a solution-oriented mutual fund scheme designed for long-term investment to meet children's financial needs. -
Does UTI Children's Gift Fund guarantee returns?
No. UTI Children’s Gift Fund does not guarantee returns. The returns are subject to market movements and the performance of the scheme. -
Can UTI Children's Gift Fund be used to plan for a child's education?
The UTI Children’s Gift Fund is for long-term financial requirements of children and might be considered for aspirations like higher education. Investors can also look at a child education plan and compare similar options based on their financial objectives and investment horizon for a child’s education. -
What should investors consider before investing in UTI Children's Gift Fund?
Investors should consider the scheme's investment objective, risk level, lock-in requirements, investment horizon and their own financial goals before investing. Investors seeking mutual fund-based investments for long-term financial needs can also explore a mutual fund child plan to understand the available options.
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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.