UTI Conservative Hybrid Fund
The scheme seeks to invest predominantly in debt and money market instruments and part of the portfolio into equity/equity related securities with a view to generating income and aim for capital appreciation.
Growthvine rating: 4/5 — ranked #5 of 24 in category.
Fund basics
| Category | Hybrid: Conservative |
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| NAV | ₹71.07 (as of 2026-08-21) |
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| AUM | ₹1,661 Cr |
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| Expense ratio | 1.57% |
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| Riskometer | High |
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| Fund manager | Jaydeep Bhowal |
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| Exit load | For units in excess of 10% of the investment, 1% will be charged for redemption within 365 days |
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Performance & risk
| 5-year annualised return | 7.98% |
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| Sharpe ratio | 0.4 |
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| Standard deviation | 4.79% |
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| Max drawdown | -14.59% |
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| Alpha | 0 |
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| Beta | 0 |
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Over 5 years, captured 124.3% of NIFTY 50 Hybrid Composite Debt 15:85 Index's upside and 131.6% of its downside.
Market cap allocation
| Large cap | 64.7% |
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| Mid cap | 20.5% |
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| Small cap | 14.9% |
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Concentration
| Top 5 holdings | 6.6% |
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| Top 10 holdings | 10.4% |
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| Total holdings | 62 |
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Top holdings
- NCD NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT — 4.5%
- 6.90% GSEC MAT - 15/04/2065 — 3.6%
- 7.74% WEST BENGAL SGS Mat - 18/02/2044 — 3.0%
- NCD HDFC BANK LTD. — 3.0%
- NCD LIC HOUSING FINANCE LTD. — 3.0%
- NCD SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA — 3.0%
- NCD JIO CREDIT LTD — 3.0%
- 07.80% XIRR PTC- SIDDHIVINAYAK SECURITISATION TRUST-28/09/2030 — 3.0%
- 7.34% GSEC MAT- 22/04/2064 — 2.9%
- NET CURRENT ASSETS — 2.5%
Top sectors
- Banking & Financial — 7.3%
- Automobile — 2.4%
- Software & Services — 2.2%
Calendar-year track record
| Year | Return | Quartile | Category rank |
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| 2026 (partial) | 0.7% | Q4 (Bottom) | #17 of 20 |
| 2025 | 6.1% | Q3 | #11 of 20 |
| 2024 | 11.6% | Q1 (Top) | #4 of 20 |
| 2023 | 11.3% | Q2 | #10 of 20 |
| 2022 | 3.3% | Q3 | #12 of 19 |