Which has the lower expense ratio, UTI - GILT FUND - Direct Plan - Growth Option or UTI - GILT FUND - Discontinued PF Plan - Growth Option?

UTI - GILT FUND - Direct Plan - Growth Option's expense ratio is 0.09% versus UTI - GILT FUND - Discontinued PF Plan - Growth Option's 0.09%. A lower expense ratio directly improves your net returns over the long term, all else being equal.

Can I invest in both UTI - GILT FUND - Direct Plan - Growth Option and UTI - GILT FUND - Discontinued PF Plan - Growth Option?

Yes, but check for portfolio overlap first if both funds are in the same category — holding two funds with very similar underlying stocks reduces the diversification benefit of investing in more than one fund.

UTI - GILT FUND - Direct Plan - Growth Option vs UTI - GILT FUND - Discontinued PF Plan - Growth Option

Q: UTI - GILT FUND - Direct Plan - Growth Option vs UTI - GILT FUND - Discontinued PF Plan - Growth Option — which has given better returns?

UTI - GILT FUND - Direct Plan - Growth Option has a 1-year return of 43.1% versus UTI - GILT FUND - Discontinued PF Plan - Growth Option's 43.1%. Compare NAV, expense ratio and star rating above before deciding, and check consistency over 3-5 years rather than a single year.

Side-by-side comparison of NAV, returns, expense ratio and star rating.

UTI - GILT FUND - Direct Plan - Growth Option

UTI Mutual Fund

★★★★★

Commodities · Gold

UTI - GILT FUND - Discontinued PF Plan - Growth Option

UTI Mutual Fund

★★★★★

Commodities · Gold

Metric	UTI - GILT FUND - Dire...	UTI - GILT FUND - Disc...
NAV	₹68.33	₹48.89
Star Rating	★★★★★	★★★★★
Expense Ratio	0.09%	0.09%
AUM	₹1,299 Cr	₹1,299 Cr
1M Return	-6.32%	-6.32%
3M Return	-7.14%	-7.14%
6M Return	-1.57%	-1.57%
1Y Return	+43.1%	+43.1%
3Y CAGR	+32.41%	+32.41%
5Y CAGR	+6.1%	+5.8%
Risk Level	—	—
Fund Manager	Ayush Jain	Ayush Jain

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