Information Classification: UTI AMC - Confidential

No. of Segregated Portfolio - 1

Invest in a fund that is a blend of debt and equity instruments

where, exposure to high quality debt instruments helps you
generate regular income while the equity exposure helps you
generate capital appreciation

This product is suitable for investors who are seeking*:

• Long-term capital appreciation and regular income over medium-term
• Investment in equity instruments (maximum 25%) and fixed income securities (debt and money market
securities)
*Investors should consult their financial advisers if in doubt about whether the product is suitable for them.
Risk-o-meter for the fund is based on the portfolio ending December 31, 2022. The Risk-o-meter of the fund/s is/are evaluated on monthly basis and
any changes to Risk-o-meter are disclosed vide addendum on monthly basis, to view the latest addendum on Risk-o-meter, please visit addenda
section on https://utimf.com/forms-and-downloads/
Information Classification: UTI AMC - Confidential
 Information Classification: UTI AMC - Confidential
Winner’s predictability - an improbable task
Divergence of returns
50.0

40.0
32.9
29.3 30.3
30.0 25.6
19.2
20.0 16.7
13.8 13.5 14.116.1
11.1 11.3
10.0 7.7 8.1 6.4 8.1 7.1
4.7 4.4 5.7 4.6 5.7
3.4
1.0
0.0
-3.0
-10.0
NIFTY 50 Hybrid Composite Debt 15:85 Index (%) Nifty 50 TRI (%)
-20.0
-23.9
-30.0
2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022

 Different asset classes behave differently - difficult to predict a winner in hindsight

 Equity (Nifty 50 TRI) has given relatively higher returns but has been volatile in nature
 Debt (NIFTY 50 Hybrid Composite Debt 15:85 Index) has given relatively lower but stable returns

Data as on December 31, 2022. Returns are absolute. Source: Mfie ICRA , return highlighted is on a calendar basis for each year.
2 Past performance may or may not be sustained in future Information Classification: UTI AMC - Confidential
 Information Classification: UTI AMC - Confidential
Underlying volatility - a key investment concern

Standard deviation (daily rolling on 12 months basis)

NIFTY 50 Hybrid Composite Debt 15:85 Index Nifty 50 TRI

26.8

16.8 16.5
12.5 13.5 13.0
12.0
9.2 8.4
7.0 7.4 6.3
5.1 4.1 5.3
3.0 3.0 3.8 3.2 2.7 2.7
2.1 2.0 1.8 2.2 2.3

2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022

 Volatility of equity asset class is high compared to debt asset class but offers higher return potential
 Though volatility of debt asset class is relatively lower but this might not generate inflation beating returns
 Investors may be at a cross road to choose between debt & equity

Source: Mfie Icra, Data as of December 31, 2022. Standard Deviation is arrived based on outputs of daily rolling returns on a 12 month basis.
Year is taken as calendar year. Past performance may or may not be sustained in future. Information Classification: UTI AMC - Confidential
3
 Information Classification: UTI AMC - Confidential
The Solution lies in the Asset Allocation

Equity allocation in the

range of 65% - 80%
targeting aggressive investors

Hybrid Conservative Hybrid Aggressive

A conservative / risk averse investor’s conundrum:

 Aspires for higher returns

 But avoid taking higher risk

Equity Debt
 Prefers to be on a “safer side”
(10%-25%) (75% - 90%)
Growth
Opportunities
Low volatile
Returns
 Invests in traditional bank FD/Postal deposit

 Loses out on inflation beating return

4
Information Classification: UTI AMC - Confidential
 Information Classification: UTI AMC - Confidential
UTI Regular Savings Fund

Type of scheme
Investment Objective
An open ended hybrid scheme
investing predominantly in debt The primary objective of the scheme is to invest predominantly in debt and
instruments money market instruments and part of the portfolio into equity/equity
related securities with a view to generating income and aim for capital
appreciation. However, there can be no assurance or guarantee that the
Fund Inception investment objective of the scheme would be achieved.

Dec 16, 2003 Benchmark

NIFTY 50 Hybrid Composite
Fund Manager Debt 15:85 Index^

Equity Portion: Mr. Amit Premchandani Asset Allocation

Debt Portion: Mr. Amandeep Chopra
Indicative Allocation Risk
Instruments
(% of total assets) Profile

Minimum Investment Equity & Equity Related Medium

10% 25%
Instruments to High
Growth : ₹5000/- per application and in Debt& Money market
multiples of ₹1/- thereafter. Low to
instruments (including 75% 90%
IDCW : ₹25,000/- per application and in Medium
securitised debt*)
multiples of ₹1/-
Subsequent min. investment, Medium
₹1,000/- and in multiples of ₹1/- Units issued by REITs & InvITs 0% 10% to High
IDCW : Income distribution cum capital
withdrawal

Refer Scheme Information Document for more details. Information Classification: UTI AMC - Confidential
5 ^ Benchmark changed with effect from 01st Dec 2021
 Information Classification: UTI AMC - Confidential
Fund Facts - Equity

Fund Snapshot Portfolio Characteristics

Fund Size:
Wtd. Avg. MCap : 2,69,617
Month end AUM : ₹1,575 Crs
Active Share* : 67.73%
*Active Share calculated vis-a-vis S&P BSE 200 TRI

Portfolio Composition#
Operating Cash Flow ROCE
C1 : 87% R1 : 50%
Current Asset Allocation (% to NAV) C2 : 11% R2 : 27%
C3 : 2% R3 : 23%
Equity : 25 ; Debt : 71 ; NCA : 5

No. of Stocks Outside Benchmark

Quantitative Indicators* 56 19.96%

Beta : 1.16
SD(Annual) : 6.09%
PTR (Annual) : 0.93
Top 5 / Top 10 Sectors Top 5 / Top 10 Stocks
Sharpe Ratio : 0.36
67.38% / 88.08% 32.16% / 44.78%
* Based on total assets of the Scheme

* The Equity exposure in the scheme is rebased to 100 for calculating Top 5/Top 10 Stocks/Sectors and outside benchmark
Avg. AUM – Average Asset under Management, SD – Standard Deviation, PTR – Portfolio Turnover Ration. Wtd. Avg. Mcap – Weighted Average Market Capitalization. . # Cash flow
Tiers (C) 3 Tiers based on the number of years in which they have generated positive operating cash flows in the previous 5 years (for manufacturing cos). ROCE/implied ROE Tiers
(R) 3 Tiers based on the previous 5 year average return on capital (for manufacturing cos) & consistency in implied ROE (RoA X Leverage) for financialsInformation
over 5 years. Classification: UTI AMC - Confidential
6 All data as of December 31, 2022.
 Information Classification: UTI AMC - Confidential
Portfolio - Equity
Equity Top 20 Holdings
% To Act. Wt
Stock Name Sector
NAV %
10 Unique Stocks
(As compared to S&P BSE 200 TRI – Sub indices of Benchmark
HDFC BANK LIMITED Financial Services 9.68 3.01 NIFTY 50 Hybrid Composite Debt 15:85 Index
ICICI BANK LTD Financial Services 6.91 1.13
INFOSYS LTD IT 6.53 1.39 Stock Name Sector % To NAV
AXIS BANK LTD Financial Services 5.19 2.79
AJANTA PHARMA LTD Healthcare 1.46
BHARTI AIRTEL LTD Telecommunication 3.85 2.01
STATE BANK OF INDIA Financial Services 3.49 1.35 AIA ENGINEERING LTD Capital Goods 1.34
HINDALCO INDUSTRIES LTD Metals & Mining 2.51 1.87
ADITYA BIRLA FASHION & RETAIL Consumer Services 2.23 2.14 FORTIS HEALTHCARE LTD Healthcare 1.32

INDUSIND BANK Financial Services 2.22 1.48 MULTI COMMODITY

Financial Services 1.29
EXCHANGE OF IN
MARUTI SUZUKI INDIA LTD Automobile 2.17 1.13
SUVEN PHARMACEUTICALS
BAJAJ AUTO LTD Automobile 2.06 1.62 Healthcare 1.28
LTD
TATA STEEL LTD Metals & Mining 2.04 1.20
PHOENIX MILLS LTD Realty 1.25
EICHER MOTORS LTD Automobile 2.04 1.62
CIPLA LTD Healthcare 1.95 1.41 CESC LTD Power 1.19
SAMVARDHANA MOTHERSON INTL
Automobile 1.63 1.50
LTD BRIGADE ENTERPRISES LTD Realty 1.19
GODREJ CONSUMER PRODUCTS LTD FMCG 1.58 1.27
SUN PHARMACEUTICALS INDUSTRIES Healthcare 1.55 0.55
KAJARIA CERAMICS LTD Consumer Durables 1.14

TECH MAHINDRA LTD IT 1.51 0.91 ERIS LIFESCIENCES LTD Healthcare 1.06
AJANTA PHARMA LTD Healthcare 1.46 1.46
ICICI LOMBARD GENERAL
Financial Services 1.36 1.09
INSURANCE

* The Equity exposure in the scheme is rebased to 100 for calculating Active weights

7
Portfolio above shows Top 20 Equity holdings under the scheme, for detailed portfolio visit www.utimf.com Information Classification: UTI AMC - Confidential
Act. Wt % Active Weight % (as compared to the S&P BSE 200 TRI). Data as of December 31, 2022
 Information Classification: UTI AMC - Confidential
Portfolio – Equity
Market Capitalization (% of Equity portion) Sectoral Breakdown (in %)
As compared to S&P BSE 200 TRI – Sub index to Scheme
benchmark
Large: 67 | Mid: 19 | Small: 14 Active Weight

Financial Services 34.17 1.37

Active Stock positions as compared to benchmark IT 10.36 -1.06
Healthcare 9.56 4.95
Overweight (Top 5) Automobile 8.74 3.23
Metals & Mining 4.55 0.70
% To Act. Wt
Stock Name Sector Consumer Durables 4.51 1.08
NAV* %
Consumer Services 4.50 2.31
STATE BANK OF INDIA Financial Services 5.36 3.22 Capital Goods 4.30 2.17
LARSEN & TOUBRO LTD. Construction 5.18 2.84 Telecommunication 3.85 1.67
FMCG 3.54 -4.91
HCL TECHNOLOGIES LTD. IT 3.74 2.72 Realty 3.28 2.72
ICICI BANK LTD Financial Services 8.08 2.30 Construction Materials 2.40 0.15
Oil & Gas 2.22 -9.24
HINDALCO INDUSTRIES LTD. Metals & Mining 2.81 2.17 Power 1.19 -2.35
Chemicals 1.15 -0.65
% To Act.
Stock Name Sector Construction 1.03 -1.31
NAV* Wt %
Services 0.67 -0.29
RELIANCE INDUSTRIES LTD. Oil & Gas 1.72 -6.46 Textiles -0.24
TATA CONSULTANCY Media &Entertainment -0.21
IT - -3.11
SERVICES LTD. Diversified -0.06
KOTAK MAHINDRA BANK
Financial Services - -2.43 0 10 20 30 40 50 60 70
LTD.
HINDUSTAN UNILEVER LTD FMCG - -2.13 UTI - Regular Savings Fund.

BAJAJ FINANCE LTD. Financial Services - -1.63

Underweight (Top 5)

* The Equity exposure in the scheme is rebased to 100 for calculating Overweight & Top 10 Sectors. Information Classification: UTI AMC - Confidential
8 All data as of December 31, 2022. S&P BSE 200 TRI is sub index of NIFTY 50 Hybrid Composite Debt 15:85 Index.
 Information Classification: UTI AMC - Confidential
Portfolio - Fixed Income
Top 10 Holdings (Non-Sovereign)
Rating Profile
Issuer Name Rating % to NAV

AAA/Sov/Cash 83% Jamnagar Utilities & Power Pvt Ltd AAA 4.18%

AA+ 12% Power Finance Corporation Ltd AAA 4.16%

State Bank of India AA+ 2.59%

AA 1%
Summit Digitel Infrastructure Ltd AAA 2.50%
AA- 2%
Yes Bank Ltd A- 2.33%

Sub AA- 2% Shriram Finance Ltd AA+ 2.24%

HDFC Ltd AAA 2.17%

Canfin Homes Ltd AA+ 2.16%

Quantitative Indicators SIDBI AAA 2.15%
Average Maturity : 6.81 years
Tata Motors Finance Ltd AA- 2.15%

Modified Duration : 4.37 years Total 26.63%

YTM* : 7.73%

* The debt exposure in the scheme is rebased to 100 for calculating credit profile of debt papers.
9
Information Classification: UTI AMC - Confidential
Portfolio data as on December 31, 2022. *Yields of all securities are annualized
 Information Classification: UTI AMC - Confidential
Investment Strategy

• Around 75% of the AUM invested in debt securities with tactical allocation to Corporate
Debt, G-sec and SDLs based on overall fixed income strategy of fund house
• Managing Duration dynamically with investment across various maturities
• Focus on high quality Corporate Debt securities so as to minimize risk
Debt • Follow accrual strategy In Corporate Bond investments to generate steady returns with
lower volatility
Portion

• Flexibility - To position across the market cap spectrum, based on valuations

• Blend of top-down (sector concentration) & bottom-up (for stock picking)
• Stock selection - A Barbell approach
Equity • Reasonable share of high RoIC companies and strong preference of consistent cash
flow generating companies
Portion

10
SDL:State Development Loans; RoIC: Return on Invested Capital Information Classification: UTI AMC - Confidential
 Information Classification: UTI AMC - Confidential
Periodic payout - IDCW
UTI Regular Savings Fund - Regular Plan (IDCW option)
Record date Record Date NAV IDCW in (%) Gross Div Per Unit
01-Jul-21 15.382 0.80% 0.08
02-Aug-21 15.562 0.80% 0.08
01-Sep-21 15.839 0.80% 0.08
01-Oct-21 16.359 0.80% 0.08
01-Nov-21 16.403 0.80% 0.08
01-Dec-21 16.228 0.80% 0.08
03-Jan-22 16.252 0.80% 0.08
01-Feb-22 16.126 0.80% 0.08
02-Mar-22 15.828 0.80% 0.08
04-Apr-22 16.061 0.80% 0.08
02-May-22 15.745 0.80% 0.08
01-Jun-22 15.492 0.80% 0.08
01-Jul-22 15.270 0.80% 0.08
19-Jul-22 15.444 12.00% 1.20
01-Aug-22 15.798 0.80% 0.08
01-Sep-22 15.684 0.80% 0.08
03-Oct-22 15.576 0.80% 0.08
01-Nov-22 15.769 0.80% 0.08
01-Dec-22 15.912 0.80% 0.08
19-Dec-22 15.791 12.00% 1.20
Data is for Monthly IDCW Plan of Regular Plan. Record date NAVs of IDCW Option represents cum IDCW NAVs. Pursuant to payment of IDCW /issue of bonus units, the NAV of the respective
options of the schemes would fall to the extent of payout & statutory levy if any. Income distribution cum capital withdrawal (IDCW) is subject to trustee’s approval, availability of distributable
surplus. Face value of unit is @ ₹10/- Past performance may or may not be sustained in the future.
$ From 01st April 2020, the IDCW shall be taxed only in the hands of the unit holders @ applicable tax rates provided under the IT Act, for the category of the unit holders. Additionally, amount
exceeding ₹5,000 per year will be subject to Tax deducted at source (‘TDS’) @ 10% on IDCW income credited / paid to resident unit holders & @ 20% for non-resident unit holders. Classification:
Information UTI AMC - Confidential
11
 Information Classification: UTI AMC - Confidential
Comparative analysis of performance
UTI Regular Savings Fund
Performance over
Period 5 Yr CAGR
Benchmark
Financial Year
Fund Benchmark OP/UP
April - March
2022 7.38% 8.85% UP
2021 7.48% 9.78% UP
2020 4.01% 6.88% UP
2019 10.24% 9.99% OP
2018 11.14% 10.52% OP
2017 11.41% 10.75% OP
8 out 13 years fund has
2016 9.76% 9.03% OP
outperformed its benchmark
2015 10.18% 9.38% OP on a 5 year basis
2014 10.29% 10.92% UP
2013 7.99% 7.59% OP
2012 8.83% 8.53% OP
2011 8.95% 9.24% UP
2010 11.78% 11.21% OP
Source: ICRA – mfie. Past performance may or may not be sustained in future.
Data of (Regular plan - Growth option) 5 year returns as on March 31st every Financial Year.
OP- Outperformance, UP – Underperformance. Benchmark - NIFTY 50 Hybrid Composite Debt 15:85 Index Information Classification: UTI AMC - Confidential
12
 Information Classification: UTI AMC - Confidential
Performance (1/2)
Fund Performance vs Benchmark (CAGR) as on December 31, 2022 Growth of ₹ 10,000/-
Scheme B:NIFTY 50 Hybrid Scheme B:NIFTY 50 Hybrid
AB:Crisil 10 Year Gilt AB:Crisil 10 Year
Period Returns Composite Debt Returns Composite Debt 15:85
Index (%) Gilt Index
(%) 15:85 Index (%) Index
1 year 3.33 3.41 0.44 10,333 10,341 10,044
3 year 8.81 8.10 3.61 12,886 12,635 11,124
5 years 6.49 8.24 5.43 13,697 14,860 13,028
Since Inception 9.21 8.37 5.44 53,590 46,258 27,439

B – Benchmark AB - Additional Benchmark, TRI

Different plans have different expense structure. The performance details provided here in are of regular plan.
Mr. Amandeep Chopra has been managing this fund since June 2004, Mr. Amit Premchandani has been managing this fund since Jan 2022.
Compounder annual growth rate.
For performance details of other schemes managed by the fund managers, please refer the slide no 18 .The performance of the benchmark is calculated using total return
index variant of the bench mark index. Mutual Fund investments are subject to market risk , read all scheme related documents carefully.
Since Inception return for above mentioned schemes is taken for the period December 2004 to December 2022

Note: The return disclosed is after taking impact of creation of UTI Dynamic Bond Fund (Segregated-17/02/2020)

NAV per unit (Regular Plan - Growth Option)

Date Main Portfolio Segregated Portfolio
14/02/2020 41.6229 NA
17/02/2020 40.5238 0.8975
Reduction in NAV (%) -2.64%
Impact on NAV is negative on account of segregation of portfolio

Note: Debt securities of Vodafone Idea Ltd. were segregated from the scheme due to “BB-”, i.e. “below investment grade” by CARE Ratings Ltd., on Feb
17, 2020. Further, the entire amount due (Principal + Accrued Interest) have been received from the issuer in multiple tranches as and when due.
Subsequently all the units of the segregated portfolio were redeemed and the investors were duly paid in proportion to their holdings and the portfolio
13 was closed w.e.f. Jan 27, 2022. Information Classification: UTI AMC - Confidential
 Information Classification: UTI AMC - Confidential
Performance (2/2)

Systematic Investment Plan (SIP) Returns as on December 31, 2022

Investment Scheme B:NIFTY 50 Hybrid AB:Crisil 10 Scheme B:NIFTY 50 Hybrid AB:Crisil 10

Period Amout Returns Composite Debt Year Gilt Index Returns Composite Debt Year Gilt Index
(₹) (%) 15:85 Index (%) (%) ( ₹) 15:85 Index (₹) (₹)
1 year 1,20,000 5.78 5.71 3.99 1,23,690 1,23,644 1,22,553
3 year 3,60,000 9.52 6.67 1.94 4,15,249 3,98,173 3,70,835
5 years 6,00,000 8.03 8.05 4.26 7,34,458 7,34,837 6,68,227
7 years 8,40,000 7.60 8.17 4.68 11,00,362 11,23,221 9,91,749
10 years 12,00,000 8.10 8.54 5.63 18,21,669 18,64,321 16,01,565
15 years 18,00,000 8.57 8.70 5.97 35,63,253 36,01,296 28,76,250
Since Inception 21,50,000 8.75 8.70 6.07 51,07,101 50,84,477 38,84,241

B – Benchmark AB - Additional Benchmark, TRI

Different plans have different expense structure. The performance details provided here in are of regular plan growth option.
Mr. Amandeep Chopra has been managing this fund since June 2004, Mr. Amit Premchandani has been managing this fund since Jan 2022.
Compounder annual growth rate.
For performance details of other schemes managed by the fund managers, please refer the slide no 18 .The performance of the benchmark is calculated using total return
index variant of the bench mark index. Mutual Fund investments are subject to market risk , read all scheme related documents carefully.
Since Inception returns for SIP is calculated from 01-Dec-04.
Systematic Investment Plan (SIP) returns are worked out assuming investment of ₹10,000/-every month at NAV per unit of the scheme as on the first working day for the
respective time periods. The loads have not been taken in to account.

13
Information Classification: UTI AMC - Confidential
 Information Classification: UTI AMC - Confidential
Comparative among other investment avenues
Key Postal Monthly Bank UTI Regular
Parameters Income Scheme Fixed Deposit Savings Fund

Yield 6.60% * 5.45% Market linked returns (6.30% – 9.30%)

₹4.5 lakh in single & ₹9 lakh in joint

Investment Limit (Max) No Limit No limit
account

Limit on Investment Tenure 5 years 7 days to 10 years No fixed tenure

Redemption /switch out within 12

Subject to penalty
months from the date of allotment ;
Subject to penalty, Up to ₹5 lakhs - 0.50% of the
Liquidity / Upto 10% of the allotted units - Nil
After 1 year but before 3 years - 2% principal amt.
Pre mature withdrawal Beyond 10% of the allotted units -1%
After 3 years - 1% Above 5 lacs to 1 Cr - 1%
Redemption /switch out after 12 months
(For deposits of all tenure)
from the date of allotment - Nil

Possibility to invest monthly No No Yes, through SIP facility

Potential for Inflation Yes, because of marginal equity

No No
beating returns exposure

Tax friendly withdrawal No No Yes, through SWP

Bank FD: Interest rate for regular deposit. Rates of SBI Fixed Deposit for 3 years to less than 5 yrs, source: SBI
* - Per annum payable monthly, $ - $Tax is required to be deducted at source under section 194K of the Act. Tax will not be required to be deducted at source where the amount
of such income or, as the case may be, the aggregate of the amounts of such income credited or paid or likely to be credited or paid during the financial year by the person
responsible for making the payment to the account of, or to, the payee does not exceed five thousand rupees. However, on account of practical difficulties involved due to the
unique nature of mutual fund investments, different schemes involved and irregular frequency of IDCW declaration, UTI Mutual Fund shall deduct TDS from each IDCW declared i.e.
even when the IDCW amount paid is less than ₹5,000 or has not reached the aggregate threshold limit of Rs. 5,000. In case the total TDS exceeds the actual tax liability of any
investor, the investor can claim refund while filing their income-tax return.
, SWP- Systematic Withdrawal Plan

14
Information Classification: UTI AMC - Confidential
 Information Classification: UTI AMC - Confidential
Why UTI Regular Savings Fund?

Tax efficient
investment
option

Competitive
Investment in
among other
quality portfolio
investment
mix
avenue
UTI Regular
Savings
Fund

Aims for steady Periodic

return Payout

15
Information Classification: UTI AMC - Confidential
 Information Classification: UTI AMC - Confidential
Product Suitability

Retired person looking Investors seeking tax efficient Investors looking for inflation
for periodic cash flows monthly withdrawal option beating returns

Investment Period : Minimum 3 yrs but preferably 5 years

16
Information Classification: UTI AMC - Confidential
 Performance of other schemes managed by Fund Managers
Information Classification: UTI AMC - Confidential

1 Year 3 Years 5 Years

Scheme Name Fund Benchmark
Scheme Benchmark Scheme Benchmark Scheme Benchmark
Funds Managed by Mr. Amandeep Chopra

CRISIL Medium to Long

UTI Bond Fund 9.91 1.93 6.71 6.11 3.54 7.1
Duration Fund AIII Index

CRISIL Liquid fund AI

UTI Liquid Cash Plan 4.83 5.01 4.09 4.24 5.26 5.26
Index

Funds Managed by Mr. Amit Premchandani

UTI Value
Nifty 500 TRI 4.27 4.25 17.39 17.36 11.75 11.51
Opportunities

UTI Banking and Nifty Financial Services

Financial Services 15.08 10.47 7.57 9.84 5.29 13.26
TRI
Fund

UTI Dividend Yield

Nifty 500 TRI -5.33 4.25 16.04 17.36 10.15 11.51
Fund

• Mr. Amandeep Chopra manages 3 open-ended schemes of UTI Mutual Fund.

• Mr. Amit Premchandani manages 4 open-ended schemes of UTI Mutual Fund.
• Period during which the scheme’s performance has been provided is computed based on the last day of the month end preceding the date of advertisement.
• Different plans shall have different expense structures. Compounded annualized performance of Regular – Growth option as on December 31,2022 is given.
• Past performance may or may not be sustained in the future.

Assuming that all payouts during the period have been reinvested in the units of the scheme at the immediate ex-div NAV. Past performance may or may not be sustained in
future. *Compounded annualized Growth Rate. Past performance may or may not be sustained in the future. Returns : as on December 31, 2022. Different plans have different
expense structure. The performance details provided herein are of regular plans.

17
Information Classification: UTI AMC - Confidential
 Information Classification: UTI AMC - Confidential

Product Label
Benchmark This product is suitable for investors who are Scheme Benchmark
Scheme Name
Name seeking* Riskometer# Riskometer
• Long-term capital appreciation and regular income over
UTI Regular Savings Fund NIFTY 50 Hybrid
medium-term
(An open ended hybrid scheme investng Composite Debt 15:85
• Investment in equity instruments (maximum 25%) and fixed
predominantly in debt instruments) Index
income securities (debt and money market securities)

• Long term capital appreciation

UTI Value Opportunities Fund
• Investment in equity instruments following a value
(An open ended equity scheme following a Nifty 500 TRI
investment strategy across the market capitalization
value investment strategy)
spectrum

• Long term capital appreciation

UTI Banking and Financial Services Fund
Nifty Financial • Investment predominantly in equity and equity related
(An open ended equity scheme investing in
Services TRI securities of companies engaged in banking and financial
Banking and Financial Services Sector)
services activities.
UTI Liquid Cash Plan • Steady and reasonable income over short-term with capital
An open ended liquid scheme. A Relatively CRISIL Liquid Fund Al
Index preservation
Low Interest Rate Risk and Moderate Credit • Investment in money market securities & high quality debt
Risk
UTI Bond Fund
An open ended medium term debt scheme • Optimal returns with adequate liquidity over medium to
investing in instruments such that the CRISIL Medium to
long term
Long Duration Fund
Macaulay duration of the portfolio is • Investment in Debt & money market instruments
AIII Index
between 4 years and 7 years. A Relatively
High Interest Rate Risk and Moderate Credit
Risk
UTI Dividend Yield Fund
• Long term capital appreciation
(An open ended equity scheme
Nifty 500 TRI • Investment predominantly in dividend yielding equity and
predominantly investing in dividend yielding
equity related securities
stocks)

*Investors should consult their financial advisers if in doubt about whether the product is suitable for them.
#Risk-o-meter for the fund is based on the portfolio ending December 31, 2022. The Risk-o-meter of the fund/s is/are evaluated on monthly basis and any changes to Risk-o-meter
are disclosed vide addendum on monthly basis, to view the latest addendum on Risk-o-meter, please visit addenda section on https://utimf.com/forms-and-downloads/

18 Information Classification: UTI AMC - Confidential

 Information Classification: UTI AMC - Confidential

Thank You
REGISTERED OFFICE: UTI Tower, ‘Gn’ Block, Bandra Kurla Complex, Bandra (E), Mumbai - 400051. Phone: 022 – 66786666. UTI
Asset Management Company Ltd (Investment Manager for UTI Mutual Fund) Email: [email protected].(CIN-
L65991MH2002PLC137867). For more information, please contact the nearest UTI Financial Centre or your AMFI/NISM
certified Mutual Fund Distributor (MFD) for a copy of the Statement of Additional Information, Scheme Information
Document and Key Information Memorandum cum Application Form.

The information on this document is provided for information purposes only. It does not constitute any offer,
recommendation or solicitation to any person to enter into any transaction or adopt any hedging, trading or investment
strategy, nor does it constitute any prediction of likely future movements in rates or prices or any representation that any
such future movements will not exceed those shown in any illustration. Users of this document should seek advice
regarding the appropriateness of investing in any securities, financial instruments or investment strategies referred to on
this document and should understand that statements regarding future prospects may not be realized. The recipient of
this material is solely responsible for any action taken based on this material. Opinions, projections and estimates are
subject to change without notice.

UTI AMC Ltd is not an investment adviser, and is not purporting to provide you with investment, legal or tax advice. UTI
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