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Key Information Memorandum forINCOME SCHEMES

UTI-Bond Fund

(An open ended pure debt und)

UTI-Dynamic Bond Fund(An open ended income scheme)

UTI-Fied Maturity Plan

(An close-ended Umbrella Income Scheme

comprising o several Investment Plans)

UTI-Floating Rate Fund

(An open-ended Income Scheme)

UTI-Gilt Adantage Fund

(An open-ended Gilt Scheme)

UTI-G-Sec Fund(An open ended gilt und)

UTI-Liuid Cash Plan

(An open-ended income scheme)

UTI-Mahila Unit Scheme

(An open-ended debt oriented scheme)

UTI-MIS-Adantage Plan(An open-ended income scheme with noassured returns)

UTI-Money Market Fund(An open-ended Money Market MutualFund)

UTI-Monthly Income Scheme(An open-ended debt oriented scheme withno assured returns).

UTI-Short Term Income Fund(An open-ended income scheme)

UTI-Treasury Adantage Fund

(An open-ended Income Scheme)

UTI-Unit Scheme for Charitable &Religious Trusts & Registered Societies(An open-ended income scheme)

UTI Mutual Fund

UTI Asset Management Company Limited

UTI Trustee Company Priate LimitedUTI Tower, Gn Block, Bandra Kurla Complex, Bandra (East), Mumbai 400 051.

Tel: (022) 6678 6666, Email:[email protected], Website: www.utim.com

April 25, 2012

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KEY INFORMATION MEMORANDUMThis Common Key Inormation Memorandum (KIM) sets orth the inormation, which a prospective investor ought to know beore investing. Forfurther details of the scheme/Mutual Fund, due diligence certificate by the AMC, Key Personnel, Investors rights & services, riskfactors, penalties & pending litigations etc. investors should, before investment, refer to the Scheme Information Document andStatement of Additional Information available free of cost at any of the UTI Financial Centres or distributors or from the websitewww.utimf.com.

The scheme particulars have been prepared in accordance with Securities and Exchange Board of India (Mutual Funds) Regulations1996, as amended till date, and filed with Securities and Exchange Board of India (SEBI). The units being offered for publicsubscription have not been approved or disapproved by SEBI, nor has SEBI certified the accuracy or adequacy of this KIM.

UTI-Bond FundInvestment Objective The Scheme will retain the lexibility to invest in the entire range o debt and money market instruments. The lexibility is being retained

to adjust the portolio in response to a change in the risk to return equation or asset classes under investment, with a view to maintainrisks within manageable limits.

Asset AllocationPattern of the scheme

Types of instruments Normal Allocation (% of Net Assets)

Debt Instruments

(including securitised debt)

Minimum - 75% Maximum - 100%

Money Market Instruments

(including cash/call money)


Plans and Options 1. Growth Option

2. Dividend Option (with reinvestment acility)

Deault Option Growth Option

Facilities Offered 1. Systematic Investment Plan (SIP) / Micro SIP

2. Systematic Withdrawal Plan (SWP)

3. Systematic Transer Investment Plan (STRIP)

4. Dividend Transer Plan (DTP)

Minimum ApplicationAmount/SubsequentMinimum Investmentin the same folio

1. Growth Option `1,000/-

2. Dividend Option -`20,000/- and in multiples o`1/- under all the options.

3. Subsequent Minimum Investment Amount is`1,000/- and in multiples o`1/-

Benchmark Index CRISIL Composite Bond Fund Index

Dividend Policy Dividend distribution under Dividend Option, may be made every calendar quarter or at such other intervals as may be decided by UTI

AMC rom time to time.

Name of the FundManager

Amandeep Chopra

Performance of thescheme as on 31March, 2012

UTI - Bond Fund

CompoundedAnnualisedReturns*

SchemeReturns (%)

Crisil Comp.Bond FundIndex (%)

Last 1 year 11.57 7.68

Last 3 years 7.66 6.04


Since Inception 8.56 NA

* Computed on compounded annualized basis using NAV oGrowth optionPast perormance may or may not be sustained in uture

Expenses of theScheme

(i) Load Structure

(ii) Recurring expenses

Entry load(As % of NAV)

Exit Load(As % of NAV)

NIL < = 180 days - 1.50%> 180 days & 365 days & 456 days - Nil

First`100 crores 2.25%Next`300 crores 2.00%Next`300 crores 1.75%

Balance 1.50%

Actual expenses or the period01.04.11 to 31.03.12 : 1.99 %

Sharpe Ratio Period 01-04-2011 to 31-03-2012: 1.566

Investment Strategy The Scheme does active duration management by investing typically in medium to long term maturity corporate bonds and G-Secs.However, und manager has the lexibility to invest in short end o the curve i the investment environment i not conducive or long ormedium duration papers.

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Comparison withexisting schemes

UTI Bond Fund is an income scheme investing in medium to long term duration papers with the lexibility to invest in short term papersbased on investment views. The scheme takes active duration calls along with credit calls and thus witnesses a certain amount o volatilitycompared to ultra short term or short term category o unds. In terms o risk return matrix, the Bond Fund would be in a higher risk-return quadrant vis--vis the Ultra Short Term category.

Number of folios andAsset Under

Management (AUM)as on 31st March 2012

Number of Folios Asset Under Management (AUM)

32,047 ` 519.42 Crore

(Quarterly Average as on 31/03/2012)

UTI-Dynamic Bond FundInvestment Objective The investment objective o the scheme is to generate optimal returns with adequate liquidity through active management o the

portolio, by investing in debt and money market instruments. However, there can be no assurance that the investment objective othe scheme will be realized.

Asset Allocation Patternof the scheme

Types of instruments Indicative Allocation (% of Net Assets)

Money Market, Debentures and Securitised Debt* withresidual maturity o less than one year


Debt Instruments including Securitised Debt* with maturitymore than one year


*Debt Securities will also include Securitised Debt, which may go up to 100% o the portolio.

The Fund may use derivative instruments like Stock/Index Futures, Interest Rate Swaps and Forward Rate Agreements or such otherderivative instruments as may be introduced rom time to time or the purpose o hedging and portolio balancing, within a permissiblelimit o 50% o portolio, which may be increased as permitted under the Regulations and guidelines rom time to time.

Total investments in debt, money market instruments, units o mutual und scheme and gross notional exposure in derivatives shall notexceed 100% o the net assets o the scheme.


2. Dividend Option (with payout and reinvestment acilities)


Facilities Offered 1. Systematic Investment Plan (SIP)


Minimum ApplicationAmount/SubsequentMinimum Investment inthe same folio

`10,000/- and in multiples o`1/- under both the options.

Subsequent Minimum Investment Amount is`1,000/- and in multiples o`1/- thereater under a olio.

Benchmark Index CRISIL Composite Bond Fund Index

Dividend Policy Dividend distribution, i any, under the scheme will be made subject to availability o distributable surplus and other actors and adecision is taken by the Trustee to make dividend distribution.


Amandeep Chopra

Performance of thescheme as on 31 March,2012

UTI Dynamic Bond Fund


SchemeReturns (%)

CRISIL Comp.Bond FundIndex (%)

Last 1 year 9.57 7.68

Since Inception 8.31 6.31

* Computed on compounded annualized basis using NAV oGrowth option

Past perormance may or may not be sustained in uture

Expenses of the Scheme

(i) Load Structure




NIL Investment of any amount

0.50% i withdrawn on or beore 30 days rom the date o investment

First`100 crores 2.25%

Next`300 crores 2.00%


Balance 1.50%

Actual expenses or the period

01.04.11 to 31.03.12 : 0.47%


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Investment Strategy UTI-Dynamic Bond Fund will be an innovative long term investment option that provides the much needed lexibility to counter adynamic environment by actively managing its portolio in line with the evolving interest rate scenario.

It has the ability to mimic a Cash Fund when interest rates are rising thereby preserving capital and it can generate the attractive returnso an Income Fund when interest rates are declining. It will be a und which could be positioned between a short term und and amedium/long term und.

Comparison withexisting schemes UTI Dynamic Bond Fund will be an aggressively managed Fund taking active duration calls.

Number of folios andAsset UnderManagement (AUM) ason 31st March 2012


1,079 ` 875.49 Crore


UTI Fixed Maturity Plan (UTI-FMP)Investment Objective The investment objective o the Scheme and Plans launched thereunder is to seek regular returns by investing in a portolio o ixed

income securities normally maturing in line with the time proile o the respective Plans, thereby enabling the investors to nearlyeliminate interest rate risk by remaining invested in the Plan till the Maturity / Final Redemption.

However there can be no assurance that the investment objective o the Scheme will be achieved. The Plans do not guarantee /indicate any returns.

Asset Allocation Pattern

of the scheme**

Types of instruments Proportion % of corpus

Minimum Likely Max Upto

Debt Securities and Money Market Securities (including Call Money, Reverse Repos) withresidual average maturity o equal to or less than 410 days (or have put options within aperiod not exceeding 410 days) and including Securitised Debt.

20% 80% 100%

Debt instruments with residual maturity o more than 410 days. -- 20% 80%

** 1. Investment in securitised debt may be upto 100% o the net assets o the scheme.

2. Asset Allocation under the scheme would be in line with SEBI guidelines on investment in securities.

Plans/Options Schedule o UTI-Fixed Maturity Plan and details o the FMPs proposed to be launched under each Series viz., Options availablethereunder and Fixed Maturity / Redemption Dates are as under:

Quarterly Series Half Yearly Series Yearly Series

i) Regular Plan

a) Dividend Option

b) Growth Option

ii) Institutional Plana) Dividend Option

b) Growth Option

i) Regular Plan

a) Dividend Option

b) Growth Option


b) Growth Option

i) Regular Plan

a) Dividend Option

b) Growth Option


b) Growth Option

Fixed MaturitySeries

Options undereach FMP

Duration ofthe FMP

New Fund Offer Period* Fixed Maturity /Redemption Date

IdentificationNumber

Quarterly Series(QFMP)

Growth and Dividendhaving DividendReinvestment acility

94 days For a period not exceeding 7business days (or such numbero days not exceeding 30 days)at the end o which allotmentshall be made. Units at par o`10/-

95th day rom the dateo closure o the OerPeriod o the Plan

QFMP (Month/Year-Plannumber)

Hal-Yearly Series(HFMP)



187th day rom thedate o closure o theOer Period o thePlan

HFMP (Month/Year)

Yearly Series(YFMP)



397th day rom thedate o closure o theOer Period o thePlan

YFMP (Month/Year)

The Scheme envisages the launch o the ollowing Fixed Maturity Plans.

Name of Series Date of launch Date of closure*

Quarterly Series having a duration o 94 days 1st o every month

16th o every month

15th o that month

Last business day o that month

Hal-Yearly Series having a duration o 186 days 1st o every month 25th o that month

Yearly Series having a duration o 396 days 16th o every month Last business day o that month

*New Fund Oer period o the schemes will be as per SEBI guidelines which is currently restricted to a maximum 15 days

The units o each plan o the scheme will be listed on the National Stock Exchange (NSE) and/or any other stock exchange(s) as maybe decided by UTI AMC, ater the closure o the New Fund Oer (NFO) period. Investors will be able to enter & exit the und throughtransactions in the Secondary Market.

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Minimum ApplicationAmount

The minimum amount under Regular Plan is`10,000/- and in multiples o`1/-. Minimum amount under Institutional Plan is`1 croreand in multiples o`1/-.

Benchmark Index No comparable benchmark available.

Dividend Policy Under the dividend option, it is proposed to declare dividend, subject to availability o distributable surplus, on or beore the MaturityDate / Final Redemption Date o the respective Plans or such other day / requency as may be decided by the Trustees, as computed inaccordance with SEBI Regulations.


Manish Joshi & Amandeep Chopra


(i) Load Structure


Entry Load : Nil

Exit Load : Nil at Maturity

(Redemption is not permitted beore maturity as the scheme will be listed on a Stock Exchange)

Presently the total recurring expenses that can be charged to the scheme willnot exceed 1.25% per annum o the average weekly net assets o the scheme.Expenses over and above 1.25% p.a. shall be borne by the AMC. In case anyresh levies are introduced in uture, the Scheme may decide to change theabove expense limit. However, any such change in the limit o the expenses tobe charged to the scheme shall be eected only in accordance with the SEBIRegulations.

Actual expenses or the pervious inancial year oUTI-FMP (YFMP/03/12): 0.43%

Sharpe Ratio Period 01-04-2011 to 31-03-2012: N.A.

UTI-Floating Rate Fund Short Term Plan

Investment Objective To generate regular income through investment in a portolio comprising substantially o loating rate debt / money market instruments,ixed rate debt / money market instruments swapped or loating rate returns and ixed rate debt securities and money marketinstruments.


Types of instruments Normal Allocation

(% of Net Assets)

Floating Rate Debt Securities

(including Securitised Debt, Money Market Instruments & Fixed Rate Debt Instruments swapped orloating rate returns)

65 100

Fixed Rate Debt Securities

(including securitised debt, Money Market Instruments & Floating Rate Debt Instruments swappedor ixed rate returns)

0 -35

The scheme will not invest in Equity and Equity Linked Instruments.

Plans and Options 1. UTI-Floating Rate Fund (Short Term Plan) Regular Plan

2. UTI-Floating Rate Fund (Short Term Plan) Institutional Plan

Both the plans have ollowing options:

(a) Growth Option

(b) Daily Dividend Option (dividend will be compulsorily reinvested)

(c) Weekly Dividend Option

Weekly Dividend Option under Regular Plan will be compulsorily reinvested and Institutional Plan will have two sub-option namely

(i) Dividend Payout Sub-Option

(ii) Dividend Reinvestment Sub-Option

Deault Plan or the scheme is Institutional Plan i the investment amount is`50 lacs or more and deault option is Growth Optionhowever, where the application amount is less than`50 lacs, deault plan will be Regular Plan and deault option will be Growth Option.

Facilities Offered 1. Systematic Withdrawal Plan (SWP)


3. UTI-STRIP Advantage

4. Systematic Investment Plan (SIP)/Micro SIP is available under Regular Plan Growth Option


Minimum ApplicationAmount/MinimumAccount Balance/Minimum RedemptionAmount

Regular Plan Minimum amount o initial investment is`5000/- and in multiples o`1/- thereater.

Institutional Plan - Minimum amount o investment is`50,00,000/- (`50 lacs) and in multiples o`1/- thereater or such amount asmay be decided rom time to time.

Minimum account balance`1,000/-.

Minimum redemption amount`1,000/- and in multiples o`1/-.

Benchmark Index CRISIL Liquid Fund Index

Dividend Policy Subject to availability o distributable surplus the scheme may make the dividend distribution at such intervals as may be decided by theTrustee rom time to time.

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UTI - Floating Rate Fund-STPCompounded

Annualised Returns*Scheme Returns

(%)CRISIL Liquid

Fund Index (%)

Last 1 year 8.45 8.44




* Computed on compounded annualized basis using NAV oGrowth option



(i) Load Structure


Entry Load : NIL

Exit Load : 0.75% i the investment is redeemed on or beore 15 days rom the date o acceptance




Balance 1.50%


01.04.11 to 31.03.12 : 0.47 %


Investment Strategy UTI-Floating Rate Fund

The Scheme will have an appropriate mix o Fixed Rate Debt / Money market securities and Floating Rate Debt/Money market securities(subject to the investment pattern given above) depending on the prevailing market outlook to generate stable returns.

Debt securities include, but are not limited to, debt obligations o Central, State or local governments, statutory bodies, banks, publicsector undertakings, development inancial institutions, private sector corporate entities and securitised debt.

Money market securities include, but are not limited to, treasury bills, government securities with unexpired maturity o one year or less,commercial paper, certiicate o deposit, commercial bills arising out o genuine trade transactions (accepted / co-accepted by banks),

ixed deposits with scheduled commercial banks, call/notice money, permitted securities under repo / reverse repo agreement, usancebill and any other like instruments as may be permitted by RBI / SEBI rom time to time.


The UTI Floating Rate Fund aims at generating regular income through investment in a portolio comprising substantially o loating ratedebt / money market instruments, ixed debt. This und also oers a moderate level o deense against volatile debt markets. The undis positioned as Ultra Short Term category und with low volatility stable returns as investment strategy. In terms o risk-return matrix, itis less risky than Short Term category o unds and is comparable with UTI Treasury Advantage Fund being slightly more risky than Liquidunds. Though the und has the lexibility to invest across maturities, it generally invests in papers so that average portolio maturity isless than 300 days.

Number of folios andAsset UnderManagement (AUM)as on 31st March 2012


12,423 ` 1,233.18 Crore


UTI-Gilt Advantage Fund Long Term Plan (UTI-GAF-LTP)

Investment Objective To generate credit risk-ree return through investment in sovereign securities issued by the Central and / or a State Government and /or any security unconditionally guaranteed by the Central Government and / or a State Government or repayment o principal andinterest.



Debt Securities Government o India dated Securities and Treasury Bills 75 - 100%

State Government dated Securities 0 - 25%

Money MarketInstruments

In addition to the securities stated in the table above, the scheme may enter into repos / reverse repos orother securities as may be permitted by the RBI. From time to time the scheme may hold cash. A part o thenet assets may be invested in the call money market or in an alternative investment or the call money marketas may be provided by the RBI to meet the liquidity requirements.

Plans and Options 1. Growth Plan

2. Dividend Plan (with reinvestment acility)

3. PF Plan with

(a) Prescribed Date Auto Redemption Option (PDAR),

(b) Prescribed Appreciation Auto Redemption Option (PAAR),(c) Growth Option and

(d) Dividend Option (with reinvestment acility).

Deault Plan Growth Plan

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4. Dividend Transer Plan (DTP) and Switch Facilities are available.

Minimum Application

Amount/MinimumAccount Balance/Minimum RedemptionAmount

Growth & Dividend Option `5000/- and in multiples o`1/-

Prescribed Date Auto Redemption Option (PDAR) & Prescribed Appreciation Auto Redemption Option (PAAR) `1 lac and in multipleso`1/- thereater.

Additional purchases o Units by existing Unitholders under all the Options can be or any amount in multiples o`1/- and subject to aminimum o`1,000/-.

Minimum account balance`1,000/-.

Minimum redemption amount`1,000/- or equivalent units.

Benchmark Index I-Sec Li-Bex

Dividend Policy Under Dividend Plan it is proposed to declare quarterly dividend, subject to availability o distributable proits, on the 15 th day o the lastmonth o each quarter (i.e. quarter ending September, December, March and June). I this is not a business day then the record datewould be the next business day. There is no assurance or guarantee that the dividend will be declared.


Amandeep Chopra


UTI-Gilt Advantage Fund Long Term Plan (UTI-GAF-LTP)

CompoundedAnnualised Returns*

SchemeReturns (%)

I-Sec Li-Bex(%)

Last 1 year 8.18 6.30




* Computed on compounded annualized basis using NAVo Growth option



(i) Load Structure

Entry Load : NIL

**Exit Load : Growth Plan and Dividend Plan NIL

** 1% is applicable under the PF Plan o UTI-GAF only i redeemed within a period o 365 days rom the date o investment. However,no exit load would be levied in case o redemptions under the PDAR and PAAR options, which are reinvested into the same planunder reinvestment acility.

Exit load in UTI-GAF (LTP-PF Plan) will be applicable on all accounts redeemed within 365 days rom the date o investment, however,investors opting or re-investment option (whether ull or principal) under PDAR and PAAR will not be subject to Exit load. MinimumApplication size in PDAR option & PAAR options is`1 lakh.

(ii) Recurring expenses Presently the total recurring expenses that can be charged to the Scheme will not exceed 1.50% perannum o the average daily net assets o the scheme. Expenses over and above 1.50% p.a. shall beborne by the AMC.

In case any resh levies are introduced in uture, the Scheme may decide to change the above expenselimit. However any such change in the limit o the expenses to be charged to the scheme shall beeected only in accordance with the SEBI Regulations.

Actual expenses or theperiod

01.04.11 to 31.03.12:1.50 %

Sharpe Ratio Period 01-04-2011 to 31-03-2012: -0.025

Investment Strategy The portolio o the Scheme and the plans thereunder shall be ocused on investments in sovereign securities issued by the CentralGovernment and/or a State Government, with a strategy to generate returns ree o credit risk.

The PF Plan will have the same investment objective, investment pattern and risk proile as that o the Long Term Plan and shall bemanaged with the common portolio as that o the Long Term Plan.

Investment Strategy and Risk Control - UTI-GAF shall invest in Government Securities, which are generally ree rom credit risk. FundManagement thereore shall predominantly involve interest rate risk management. The actors aecting yields and thereore prices othe government securities are both global and local and broadly encompass the ollowing:

i. Macroeconomic indicators

ii. Fiscal policy and iscal situation

iii. Interest rate trends

iv. Shape o the yield curve

v. Monetary policy and its eect on the economy

vi. Liquidity conditions in the money market

vii. Market Sentiment due to political situation and other developments

The investment team at the UTI AMC shall continuously analyse these actors aecting yields and shall (re)structure and position theportolio, based on the analysis. In the absence o signiicant credit risks the management decision process has to predominantlyconsider interest rate risk.

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The UTI Gilt Advantage Fund endeavors to oer stable and regular returns along with a decent capital appreciation over a period otime or those investors with a long term horizon by investing in G-Secs. The und can also invest in state government securities. TheFund retains a higher degree o lexibility in altering its duration even or short-term market movements.



1,259 ` 142.47 Crore


UTI-G-Sec FundInvestment Objective To generate credit risk-ree return by way o income or growth by investing in Central Government Securities, Treasury Bills, Call

Money and Repos. Under normal circumstances at least 65% o the total portolio will be invested in securities issued/ created by theCentral Government.



Debt Securities 100% investment in Central Government Securities, Treasury Bills, Call Money, Repos and Money MarketInstruments. Under normal circumstances at least 65% o the total portolio will be invested in securitiesissued/created by the Central Government.

Money Market

Instruments

While no ixed allocation will normally be made or investment in money market instruments, the

investment in money market instruments will be kept to the minimum generally to meet the liquidityneeds o the scheme.

Plans and Options 1. UTI-G-Sec Investment Plan

2. UTI-G-Sec Short Term Plan

Both the plans have ollowing options :

(a) Dividend Option (with reinvestment acility)

(b) Growth Option

Deault Plan / Option Investment Plan & Growth Option

Facilities Offered 1. Systematic Investment Plan (SIP) / Micro (SIP)




5. Automatic Trigger acilities are available.

Minimum ApplicationAmount / SubsequentMinimum Investment

1. Growth Option `1,000/-.

2. Dividend Option `10,000/- and in multiples o`1/- under both the options.

3. Subsequent Minimum Investment Amount`1,000/- and in multiples o`1/-

Benchmark Index 1. UTI G-Sec Investment Plan - I-Sec Li-BEX

2. UTI G-Sec Short Term Plan - I-Sec Si-BEX (1-3 years) given by ICICI Securities

Dividend Policy Dividend distribution, i any, under the Dividend Options o the schemes will be made subject to availability o distributable surplusat such period/s as UTI AMC may ix.


Amandeep Chopra

Performance of thescheme as on 31 March,2012 respectively

UTI-G-Sec Fund Investment Plan UTI-G-Sec Fund Short Term Plan


Scheme Returns(%)

I-Sec LIBEX(%)

Scheme Returns(%)

I-Sec SIBEX(%)

Last 1 year -0.221 6.30 7.99 7.39Last 3 years 1.30 5.58 4.70 6.12

Last 5 years 3.04 8.05 5.71 7.89

Since Inception 6.51 NA 5.38 NA

* Computed on compounded annualized basis using NAV o Growth optionPast perormance may or may not be sustained in uture

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(i) Load Structure


1. UTI-G-Sec Fund - Short Term Plan

Entry Load : NIL Exit Load : NIL

2. UTI-G-Sec Fund Investment Plan

Entry Load : NIL Exit Load : NIL


Next`300 crores - 1.00%


Balance 1.00%


01.04.11 to 31.03.12 :

1. UTI-G-Sec Fund Investment Plan : 0.90 %

2. UTI-G-Sec Fund-STP : 0.75 %

Sharpe Ratio Period 01-04-2011 to 31-03-2012:

UTI-G-Sec Fund-Growth Option: -3.110

UTI-G-Sec Fund-STP: -0.329

Investment Strategy UTI-G-Sec Investment Plan UTI-G-Sec Fund-Short Term Plan

The und does not invest in state government securities and generally has a low portolio churn. The UTI-G-Sec STP aims at lowvolatility o returns by investing in short term gilts. The maximum average maturity o the portolio o UTI-G-Sec STP is capped at 3years.

Comparison with existingschemes

The UTI-G-Sec Fund endeavors to oer stable and regular returnsalong with a decent capital appreciation over a period o time orthose investors who invest with a long-term horizon. The unddoes not invest in state government securities and generally hasa low portolio churn.

The UTI-G-Sec Fund endeavors to oer stable and regular returnsalong with a decent capital appreciation over a period o time orthose investors who invest with a long-term horizon. The unddoes not invest in state government securities and generally hasa low portolio churn. The UTI G-Sec STP aims at low volatility oreturns by investing in short term gilts. The maximum averagematurity o the portolio is capped at 3 years.

Number of folios andAsset Under Management(AUM) as on 31st March2012

Number of Folios Asset Under Management(AUM)


3,798 ` 269.08 Crore(Quarterly Average as on

31/03/2012)

2,060 ` 20.42 Crore(Quarterly Average as on 31/03/2012)

UTI-Liquid Cash PlanInvestment Objective The Scheme seeks to generate steady and reasonable income, with low risk and high level o liquidity rom a portolio o money

market securities and high quality debt.

Asset Allocation Pattern

of the scheme


Debt Securities (including Central Govt. securities) Minimum - 0% Maximum - 35%

Money Market Instruments Minimum - 65% Maximum - 100%

Plans and Options / Sub-Options

1. UTI-Liquid Cash Plan (Regular) :

a) Dividend (only reinvestment acility available)

b) Monthly

c) Growth

2. UTI-Liquid Cash Plan (Institutional)

a) Dividend (option or payout and reinvestment available. Dividend reinvestment option is available only under daily andweekly requencies)

- Daily

- Weekly

- Monthly

b) Growth

In case where neither o the Plans is exercised or in case o any ambiguity, the applicant will be deemed to be under the UTILiquid Cash Plan Regular. However, i the application is or amounts o`1 crore and above ( or such minimum amount as maybe prescribed under the plan) then the deault Plan or such unitholders will be UTI-Liquid Cash Plan Institutional.

In case where neither o the options is exercised by the applicant or in case o any ambiguity he will be deemed to be underthe Dividend Option (Daily Reinvestment).

Facilities Offered 1. Systematic Investment Plan (SIP) / Micro SIP is available under UTI-Liquid Cash Plan-Regular-Growth Option.


3. UTI-STRIP (Systematic Transer Investment Plan) Advantage

4. Systematic Withdrawal Plan (SWP) is available under UTI-Liquid Cash Plan-Regular



1. UTI-Liquid Cash Plan (Regular) -`1 Lac

2. UTI-Liquid Cash Plan (Institutional) -`1 crore

3. Subsequent minimum investment amountUTI-Liquid Cash Plan (Regular) -`10,000/-

UTI-Liquid Cash Plan (Institutional) `10 Lacs

Benchmark Index CRISIL Liquid Fund Index.

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Dividend Policy Subject to availability o distributable surplus the scheme may make the dividend distribution at such intervals as may be decided bythe Trustee rom time to time.


Amandeep Chopra

Performance of the

scheme as on 31 March,2012

UTI - Liquid Cash Plan


Scheme Returns(%)

CRISIL Liquid FundIndex (%)

Last 1 year 9.33 8.44




* Computed on compounded annualized basis using NAV oGrowth optionPast perormance may or may not be sustained in uture

Expenses of the Scheme(i) Load Structure


Entry Load : NILExit Load : NIL (Minimum amount or redemption is`10,000/-)

First`100 crores 2.25%Next`300 crores 2.00%Next`300 crores 1.75%Balance 1.50%

Actual expenses or the period01.04.11 to 31.03.12 : 0.17 %


Investment Strategy The und is positioned as low-risk, low-volatility und which aims at oering reasonable returns to investors looking to park shortterm surpluses. The und attaches importance to low credit risk, portolio diversiication and stability o returns. As per SEBI guidelines,w.e.. 1st May 2009, the scheme can invest in/purchase debt and money market securities with maturity o up to 91 days


The UTI Liquid Cash Plan is positioned as a low-risk, low-volatility und which aims at oering reasonable returns to investors lookingto park short-term surpluses. The und attaches importance to low credit risk, portolio diversiication and stability o returns. As perSEBI guidelines, w.e. 1st May 09, und can invest in/ purchase debt and money market securities with maturity o upto 91 days. Also

the NAV treatment and Tax treatment are dierent or this liquid category o unds vis-a-vis other debt unds.

Number of folios andAsset Under Management(AUM) as on 31st March2012


1,437 ` 10,630.69 Crore(Quarterly Average as on 31/03/2012)

UTI Mahila Unit Scheme (UTI-MUS)Investment Objective To invest in a portolio o equity/equity related securities and debt and money market instruments with a view o generating reasonable

income with moderate capital appreciation.



Equity and Equity Linked Instruments Minimum 0% Maximum 30%

Debt Securities Minimum 70% Maximum 100%Money Market Instruments Investment in money market instruments will be kept to the minimum so as to be able to

meet the liquidity needs o the scheme.


2. Dividend Option with acility or reinvestment o dividends.

Facilities Offered 1. Systematic Investment Plan (SIP)





Growth Option `1,000/-

Dividend Option `5,000/-


Benchmark Index CRISIL Debt Hybrid (75:25)Dividend Policy Subject to availability o distributable surplus the scheme may make the dividend distribution at such intervals as may be decided by

the Trustee rom time to time.

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Amandeep Chopra


UTI Mahila Unit Scheme (UTI-MUS)

CompoundedAnnualised

Returns*

SchemeReturns (%)

CRISIL DebtHybrid (75:25)

(%)

Last 1 year 2.39 4.02

Last 3 years 11.32 10.34



*Computed on compounded annualized basis.Past perormance may or may not be sustained in uture.


(i) Load Structure


Entry load

(As % of NAV)

Exit Load

(As % of NAV)

Nil < 1 year 0.75%=> 1 year Nil




Balance 1.50%


01.04.11 to 31.03.12 : 1.95 %


Investment Strategy It is a und with a conservative mix o debt and equity. The equity portolio is constructed using a bottomup approach. The debtportolio is designed with the objective o providing stability o returns to the und.


This is a debt oriented balanced und, with a conservative mix o debt and equity. The asset allocation in the und is designed keepingin mind the necessity o providing consistent returns and which over a medium term holding period could be higher than a pureincome und. The equity portolio is constructed using a bottom-up approach. The debt portolio is designed with the objective oproviding stability o returns to the und. The debt to equity asset allocation is generally managed at around 70:30 ratio thoughinvestment views may change the asset allocation rom time to time.




UTI MIS Advantage PlanInvestment Objective To generate regular income through investments in ixed income securities and capital appreciation / dividend income through

investment o a portion o net assets o the scheme in equity and equity related instruments so as to endeavor to make periodicincome distribution to Unit holders.



*Debt and Money Market Instruments (including securitiseddebt)

Upto 100%

Equity & Equity Related Instruments Upto 25%

*Note: It is the intention o the Scheme that the investments in securitised debt will not, normally exceed 60% o the net assets othe respective plans.

Plans and Options The Scheme oers investors our Plans namely the:

1. Monthly Dividend Plan

2. Flexi Dividend Plan

3. Monthly Payment Plan

4. Growth Plan

Deault Plan Growth Plan





Minimum Application

A m o u n t / M i n i m u mAccount Balance/Minimum RedemptionAmount

Monthly Dividend Plan & Monthly Payment Plan `25,000/-

Flexi Dividend Plan & Growth Plan `5,000/- and in multiples o`1/- thereater under all the plans.Subsequent minimum investment in the same olio is`1,000/- and in multiples o`1/-.

Minimum account balance`1,000/- under all the Plans.

Minimum redemption amount`1,000/- and in multiples o`1/-.

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Benchmark Index CRISIL MIP Blended Index

Dividend Policy (1) Monthly Dividend Plan It is envisaged to declare dividends on a monthly basis subject to availability o distributable surpluscomputed in accordance with SEBI Regulations.

(2) Flexi Dividend Plan The Fund will endeavour to declare dividends rom time to time subject to availability o distributablesurplus. The quantum o dividend would be as decided and approved by the AMC / Trustees rom time to time.

(3) Monthly Payment Plan The Scheme intends to make monthly payments to investors by redeeming units. The investor canopt or receiving monthly payouts beginning the last business day o the month ollowing the month o investment subject tothe declaration o the dividend under the Monthly Dividend Plan. Under the Plan, the investor will provide standing instructionsto the AMC to redeem such Units as equivalent in value terms to the amount o Gross dividend per unit (total o Net dividendin the hands o the investor and dividend tax paid by the AMC) that the Fund will be declaring under the Monthly Dividend Plan,rom his existing balance o Units as on the record date o the dividend. The redemption o the Units not being in the nature othe dividends payments, the Fund will not be required to pay the dividend tax on such redemptions being paid to the Unitholders. On receipt o such instructions, the AMC will redeem at monthly rests appropriate part o the unit holdings o theinvestor and dispatch the redemption proceeds.


Amandeep Chopra


UTI MIS Advantage Plan


SchemeReturns (%)

CRISIL MIPBlended Index

(%)

Last 1 year 4.58 5.24

Last 3 years 10.64 8.47



*Computed on compounded annualized basis using NAV oGrowth Option.

Past perormance may or may not be sustained in uture.

Expenses of the Scheme Entry load(As % of NAV)


(i) Load Structure


Nil Investment o any amount

90 days 180 days 365 days Nil




Balance 1.50%


01.04.11 to 31.03.12 : 1.81%


Investment Strategy UTI-MIS-Advantage Plan

The und ollows a bottom-up approach or the equity portolio. Debt portolio objective is to generate regular income and providecapital preservation.

Investment Strategy and Risk control

The Scheme proposes to invest primarily in debt and money market instruments and a limited portion o its net assets into equity andequity related instruments. The Scheme seeks to generate regular returns through investments primarily in Debt and Money MarketInstruments and attempts to enhance returns through investments between 0-25% o its net assets in equity/equity relatedinstruments, depending upon the perceived market outlook.


The UTI MIS-Advantage is positioned as a monthly income scheme aiming to generate regular income with a slightly higher risk returnproile than Monthly Income Scheme. The und ollows a bottom up approach or the equity portolio. Debt portolio objective is togenerate regular income and provide capital preservation. The debt to equity asset allocation is generally managed at around 75:25ratio though investment views may change the asset allocation rom time to time.

Number of folios andAsset UnderManagement (AUM) as

on 31st March 2012


43,366 ` 782.96 Crore


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UTI Money Market Fund (UTI-MMF)Investment Objective To provide highest possible current income consistent with preservation o capital and providing liquidity rom investing in a

diversiied portolio o short-term money market securities.


Instruments / Securities Maximum Exposure (% of Net Assets)

Government Dated Securities 75

Private Corporate Debt 75PSU Bonds 75

Mortgaged backed Securities 75

FI & Banking Sector Bonds 75

Call Money 100

Treasury Bills 100

Commercial Paper 75

Certiicates o Deposit 75

Repo Transactions 100

Bills Rediscounting 50

Plans and Options 1. UTI-Money Market Fund Regular Plan with

a) Growth Option

b) Dividend Option

2. UTI-Money Market Fund Institutional Plan with

a) Growth Option

b) Dividend Option

- Daily Dividend (only with Reinvestment option)

- Weekly Dividend (Payout and Reinvestment option)

Deault Plan or the scheme is Institutional Plan i the investment amount is`50 lacs or more and deault option is Growth Option.

However, where the application amount is less than `50 lacs, deault plan will be the Regular Plan and deault option will be theGrowth Option.

Facilities Offered 1. Systematic Transer Investment Plan (STRIP) is available

2. UTI-STRIP (Systematic Transer Investment Plan) Advantage is available

3. Systematic Investment Plan (SIP) / Micro SIP is available under Regular Plan-Growth Option

4. Systematic Withdrawal Plan (SWP) is available under Regular Plan


Minimum Application /Redemption Amount

and balance required ina folio

1. UTI-Money Market Fund Regular Plan

Minimum amount o initial investment`10,000/-. Subsequent amount o investment in the same olio is`10,000/- and in multiples

o`1/- thereater.

2. UTI-Money Market Fund Institutional Plan

Minimum amount o initial investment`50,00,000/- and in multiples o`1/- thereater or such amount as may be decided romtime to time.

Under both the plans minimum amount or redemption is`10,000/- & minimum balance to be maintained in a olio is`10,000/-.


Dividend Policy Subject to availability o distributable surplus the scheme may make dividend distribution under Dividend Option, at such intervals asmay be decided by UTI AMC rom time to time.




UTI Money Market Fund


SchemeReturns (%)

Crisil LiquidFund Index (%)

Last 1 year 8.85 8.44




*Computed on compounded annualized basis using NAV oGrowth Option.Past perormance may or may not be sustained in uture.


(i) Load Structure Entry Load : NIL

Exit Load : 0.50% i the investment is redeemed on or beore 3 days rom the date o acceptance.

(ii) Recurring expenses First`100 crores 2.25%



Balance 1.50%


01.04.11 to 31.03.12: 0.22 %

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Investment Strategy The und is positioned as low-risk, low-volatility und which aims at oering reasonable returns to investors looking to park short termsurpluses. The und attaches importance to low credit risk, portolio diversiication and stability o returns. As per SEBI guidelines,w.e.. 1st May 2009, the scheme can invest in/purchase debt and money market securities with maturity o up to 91 days.


The UTI Money Market Fund is positioned as a low-risk, low-volatility und which aims at oering reasonable returns to investorslooking to park short-term surpluses. The und attaches importance to low credit risk, portolio diversiication and stability o returns.

As per SEBI guidelines, w.e. 1st May 09, und can invest in/ purchase debt and money market securities with maturity o upto 91 days.Also the NAV treatment and Tax treatment are dierent rom this Liquid category o und vis-a-vis other debt unds.



18,040 ` 2541.19 Crore


UTI Monthly Income Scheme (UTI-MIS)Investment Objective This is an open-end debt oriented scheme with no assured returns. The scheme aims at distributing income, i any, periodically.



Debt (Government Securities and Money Market instrumentsincluding Corporate rated debts)

Minimum 85% Maximum 100%

Equity/Equity Related Instruments Minimum NIL Maximum 15%

1. To minimise the credit risk in debt instruments, investment would be made only in investment grade papers rated AA and above,at the time o investment.

2. The Equity investment universe would include stocks o companies with strong undamentals and growth potential.


2. Dividend Option Option or re-investment available.

Compulsory re-investment where value o investment is below`30,000/-.


Facilities Offered 1. Systematic Investment Plan (SIP) / Micro (SIP)2. Systematic Withdrawal Plan (SWP)




1. Growth Option `1,000/-2.

Dividend Option `10,000/- # and in multiples o`1/- under both the options.

# Dividend distribution, i any, on the value o investment below`30,000/- amount will be compulsorily re-invested.

Subsequent amount o investment in the same olio`1,000/- and in multiples o`1/-

Benchmark Index CRISIL MIP Blended Index (15% o Nity Index returns and 85% to Composite Bond Index Fund)

Dividend Policy 1. Though it is the intention o the scheme to make regular dividend distribution under the dividend option, there may be instanceswhen no dividend distribution could be made.

2. Dividend distribution under the Dividend option, i any, will be made subject to availability o distributable surplus and a decisionis taken by UTI AMC to make dividend distribution.

3. There is no assurance or guarantee to the unitholders as to the rate o dividend distribution.

4. Dividend distribution, i any, will be made every month or at such intervals as may be decided by UTI AMC rom time to time.


Amandeep Chopra (Debt Portolio) and Srivasta (Equity Portolio)

Performance of thescheme as on 31 March,

2012

UTI Monthly Income Scheme


SchemeReturns (%) Crisil MIPBlended Index(%)

Last 1 year 5.54 5.24




* Computed on compounded annualized basis using NAV oGrowth option.


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(i) Load Structure




Nil Investment o any amount

90 days 180 days 365 days Nil




Balance 1.50%


01.04.11 to 31.03.12 : 1.80%


Investment Strategy The scheme emphasis is on preserving capital and paying out income under the income option. Hence a more conservative style omanagement o the unds is adopted. The und will aim to be low on volatility and consistency in generating returns. Equity componentis capped at 15% with a higher weightage to Large Cap stocks.


UTI MIS is ideally suited or investors looking or income over a horizon o over 1 year. Emphasis is on preserving capital and payingout income under the income option. Hence a more conservative style o management o the unds is adopted. The und aims to be

low on volatility and consistency in generating returns. Equity component is capped at 15% with a higher weightage to Large Capstocks.




UTI-Short Term Income Fund (UTI-STIF)Investment Objective The Scheme seeks to generate steady and reasonable income, with low risk and high level o liquidity rom a portolio o money market

securities and high quality debt.


Types of instruments Normal Allocation(% of Net Assets)

Government Securities issued by Central &/or State Govt.

and other ixed income/debt Securities including but notlimited to corporate bonds and securitised debt.


Money Market Instruments Minimum - 0% Maximum - 70%

Investment in Securitised Debt upto 100% o debt portolio.

Plans and Options / Sub-Options

1. Regular Option

2. Institutional Option

The ollowing sub options are available within Regular and Institutional Option.

i) Growth Sub-Option

ii) Monthly Dividend Sub-Option (option or payout and reinvestment available)

Deault Sub-Option Monthly Dividend Sub-Option (Reinvestment)

Facilities Offered 1. Systematic Investment Plan (SIP) / Micro (SIP)

2. Systematic Withdrawal Plan (SWP) is available under Regular Option

3. Systematic Transer Investment Plan (STRIP)4. Dividend Transer Plan (DTP)


1. UTI-Short Term Income Fund (Regular) -`30,000/-

2. UTI-Short Term Income Fund (Institutional) `1 crore

3. Subsequent minimum investment amount

UTI-Short Term Income Fund (Regular) -`10,000/-

UTI-Short Term Income Fund (Institutional) `10 Lacs.

Benchmark Index CRISIL Short Term Bond Fund Index.

Dividend Policy Subject to availability o distributable surplus the scheme may make the dividend distribution at such intervals as may be decided bythe Trustee rom time to time.


Amandeep Chopra

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UTI - Short Term Income Fund


SchemeReturns (%)

CRISIL Short TermBond Fund Index

(%)

Last 1 year 10.57 8.28




* Computed on compounded annualized basis using NAVo Growth optionPast perormance may or may not be sustained in uture


(i) Load Structure

Entry load

(As % of NAV)

Exit Load

(As % of NAV)

Nil 90 days & 180 days & 365 days Nil




Balance 1.50%


01.04.11 to 31.03.12 : 0.78 %


Investment Strategy It aims to generate reasonable returns with low risk and high liquidity rom a portolio o Money Market securities and high qualitydebt securities. The und attaches importance to low credit risk and portolio diversiication. The und intends to maintain the averagematurity o the portolio upto 4 years.


The Short-Term Income Fund aims at to generate reasonable returns with low risk and high liquidity rom a portolio o Money Marketand debt securities. The Fund attaches importance to low credit risk and portolio diversiication. The und intends to maintain theaverage maturity o the portolio upto 4 years. Thus, in terms o risk return matrix the und is less risky compared to the Bond Fund

but riskier than the Ultra Short Term category o unds.



2,829 ` 444.70 Crore


UTI Treasury Advantage FundInvestment Objective The scheme will endeavour to generate an attractive return or its investors consistent with capital preservation and liquidity by

investing in a portolio o quality debt securities money market instruments and structured obligations.


Types of instruments Proportion (% of Corpus)

Min. Likely Max. Upto

Debt Securities (including Securitised debt) - 80 90

Money Market (including cash / call money) 10 20 100

The subtotal o securitised debt would be a maximum o 25% o the corpus.The scheme will not invest in Equity and Equity Linked Instruments.

Plans and Options 1. Growth Plan

2. Bonus Plan

3. Daily Dividend Plan

4. Weekly Dividend Plan

5. Monthly Dividend Plan

6. Quarterly Dividend Plan

7. Annual Dividend Plan

8. Institutional Plan with:

(a) Growth Option

(b) Daily Dividend Option

(c) Weekly Dividend Option

(d) Monthly Dividend Option

(e) Quarterly Dividend Option

() Annual Dividend Option and(g) Bonus Option

Only dividend reinvestment option is available under daily and weekly requencies. However, under Institutional Plan-Weekly DividendOption, Payout acility is also available.

Deault Plan / Option Daily Dividend Plan / Option

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Facilities Offered 1. Systematic Investment Plan (SIP) / Micro (SIP) only under Growth Plan



4. UTI-STRIP Advantage


Minimum ApplicationA mount/S ubs e que ntMinimum Investment inthe same folio

Minimum amount o investment is`1 lac and in multiples o`1/- thereater.

Institutional Plan Minimum amount o investment is`1 Crore and in multiples o`1/- thereater.

For additional purchase by existing unitholders

Subsequent minimum additional investment is`10000/- and in multiples o`1/ thereater.

Institutional Plan Subsequent minimum additional investment is`1 lac and in multiples o`1/ thereater.

Minimum redemption amount is`1,000/- or equivalent units.

Institutional Plan For any amount in multiples o`1,000/-.


Dividend Policy Annual Dividend Plan UTI-TAF & Annual Dividend Option UTI-TAF-IP

Under this plan/option dividend is proposed to be declared once a year subject to availability o distributable surplus.

Quarterly Dividend Plan UTI-TAF & Quarterly Dividend Option UTI-TAF-IP

Under this plan/option, it is proposed to declare quarterly dividend, subject to availability o distributable proits, on the 15th day othe last month o each quarter (i.e. quarter ending September, December, March and June). I this is not a business day then the

record date would be the next business day.Daily Dividend Plan, Weekly Dividend Plan and Monthly Dividend Plan-UTI-TAF & Daily Dividend Option, WeeklyDividend Option and Monthly Dividend Option-UTI-TAF-IP

Dividend is proposed to be declared on a daily, weekly and monthly basis subject to availability o distributable surplus.


Amandeep Chopra


UTI-Treasury Advantage Fund


SchemeReturns (%)

CRISIL LiquidFund Index (%)

Absolute Returns for each financial year for the last 5 years

9.088.83 8.82

4.44

6.23

8.44

7.43

8.81

3.69

6.21

0

2

4

6

8

10

12

2007-2008 2008-2009 2009-2010 2010-2011 2011-2012

returns

(%)

UTI-Treasury Advantage Fund-Growth (%)

CRISIL Liquid Fund Index (%)

Last 1 year 9.08 8.44




*Computed on compounded annualized basis using NAVo Growth Option.Past perormance may or may not be sustained in uture.


(i) Load Structure




NIL NIL

Presently the total recurring expenses will not exceed1.50% / 2.00% per annum o the average daily net assetsunder the Institutional Plan/Other Plans respectively.

Expenses over and above the limit speciied above shall beborne by the AMC. In case any resh levies are introducedin uture, the Scheme may decide to change the aboveexpense limit. However any such change in the limit o theexpenses to be charged to the scheme shall be eectedonly in accordance with the SEBI Regulations.

Actual expenses or the period01.04.11 to 31.03.12 : 0.41%


Investment Strategy UTI Tresury Advantage Fund is categorised as an Ultra Short Term Fund in terms o investment treasury investing predominently inMoney market instruments. The endeavour is to keep the average maturity o the und below a year and give stable returns with verylow volatility.


The UTI Treasury Advantage Fund is positioned as Ultra Short Term Catogery Fund with low volatility stable returns as investmentstrategy. In terms o risk-return matrix, it is less risky than Short Term Category o Funds and is comparable with Liquid Category oFunds being slightly more risky than Liquid Funds. Though the und has the lexibility to invest across maturities, it generally investsin papers so that average portolio maturity is less than 250 days.

Number of Folios Asset Under Management (AUM)Number of folios andAsset Under Management(AUM) as on 31st March2012


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UTI Unit Scheme for Charitable and Religious Trusts and Registered Societies (UTI CRTS)Investment Objective To primarily provide regular income to unitholders o the scheme.



Debt Securities Minimum - 70% Maximum - 100%

Equity and Equity Linked Instruments Minimum NIL Maximum 30%

Money Market Instruments While no ixed allocation will normally be made or investment in money marketinstruments like Call Deposits, Commercial Papers, Treasury Bills etc. the same maybe kept to the minimum generally to meet the liquidity needs o the scheme.

Plans and Options i) Growth Option

ii) Dividend Option Option or reinvestment available.


Facilities Offered 1. Systematic Withdrawal Plan (SWP)

2. Systematic Transer Investment Plan (STRIP) and



1. Minimum amount o investment is`10,000/- and in multiples o`1/- or all the options or such other amount as may be prescribedrom time to time.

2. Subsequent minimum investment is`1,000/- and multiples o`1/- in the same olio.

Benchmark Index CRISIL Debt Hybrid (75:25)

Dividend Policy 1. The scheme shall distribute a minimum o 75% o its net annual distributable income periodically at such rates as may be decided.

2. UTI AMC may declare interim dividend distribution/s payable on such date/s or at the end o such period/s as the Trustee may ixand deem it.


Amandeep Chopra (Debt Portolio) and V. Srivasta (Equity Portolio)


UTI - CRTSCompounded

Annualised Returns*Scheme

Returns (%)Crisil Debt Hybrid

(75:25) (%)Absolute Returns for each financial year for the last 5 years

28.66

-2.08

15.46

9.739.15

20.83

-2.58

13.42

6.914.02

-20

-10

0

10

20

30

40

2007-2008 2008-2009 2009-2010 2010-2011 2011-2012

returns

(%)

UTI-CRTS-Growth (%) CRISIL Debt Hybrid (75:25) (%)

Last 1 year 9.15 4.02

Last 3 years 15.49 10.34

Last 5 years 11.74 8.23

Since Inception 10.71 NA* Computed on compounded annualized basis.


Expenses of the Scheme Entry load

(As % of NAV)

Exit Load

(As % of NAV)

(i) Load StructureNil

< 1 year 1%

=> 1 years Nil




Balance 1.50%


01.04.11 to 31.03.12: 1.19 %


Investment Strategy This is a und with a conservative tilt and a medium term horizon. The scheme has a diversiied equity portolio primarily in large capcompanies. The debt portolio is designed with the objective o providing stability o returns to the und.


This is a debt oriented balanced und, with a conservative tilt and a medium term horizon. The scheme has a diversiied equity portolioprimarily in large cap companies. The debt portolio is designed with the objective o providing stability o returns to the und.



7,151 `348.69Crore


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Features Common to all SchemesRisk Profile of the Schemes Mutual Fund investments are subject to market risks. Please read the SID careully or details on risk actors beore

investment.

Dedicated Fund Manager

for Overseas investments

Arpit Kapoor

Eligible Investors (1) An application for issue of units under all schemes except UTI-CRTS can be made by any resident or non-resident Indian as well as non-individuals as indicated below:

(a) Resident Adult Individuals/Non-Resident Indians/Persons o Indian Origin residing abroad (NRIs) on repatriationand non-repatriation basis either singly or jointly not exceeding three (not exceeding two or UTI-MIS, UTI-Liquid Cash Plan and UTI-STIF).

(b) Minors through parent/lawul guardian. Units can be held on Joint or Anyone or Survivor basis.

(c) Companies, Bodies Corporate, Eligible Trusts, Association o Persons or Bodies o Individuals, Societies, Banksand Financial Institutions, Army, Air Force, Navy and other Paramilitary Fund and bodies created by suchinstitutions,

(d) Partnership Firms, Hindu Undivided Family (HUF),

(e) Foreign Institutional Investors (FIIs) Registered with SEBI on repatriation basis (not available under UTI-MIS),

() Mutual Funds registered with SEBI including other schemes o UTI-Mutual Fund (not available under UTI-MIS,

UTI-G-Sec Fund and UTI-Bond Fund),(2) Apart from those listed above, the following types of applicants can also invest under UTI-DBF, UTI-G-Sec

Fund, UTI-Treasury Adv. Fund, UTI-GAF, UTI-MIS Adv. Plan & UTI-Floating Rate Fund.

a) Non-government provident unds, superannuation unds & gratuity unds as also other provident unds,pension unds, superannuation unds and gratuity unds (applicable under UTI-G-Sec, UTI-GAF & UTI-STIF),

(b) International Multilateral Agencies/Bodies Corporate incorporated outside India with the permission o theGovernment o India/Reserve Bank o India,

(c) Scientiic and Industrial Research Organisations,

(d) Trustee, AMC, Sponsor and their associates may subscribe to units under these Scheme (applicable under UTI-DBF, UTI-GAF-LTP, UTI-TAF, UTI-Floating Rate Fund & UTI-MIS Adv. Plan).

(3) Apart from those listed at (1) above, an individual for the benefit of another individual who is a mentallyhandicapped person can also invest under UTI-MIS and UTI-Bond Fund.

(4) Application for units under UTI-CRTS may be made by :

(a) a charitable or religious trust or an endowment which is administered or controlled or supervised by or underthe provisions o any Central or State enactment which is or the time being in orce,

(b) A registered society, an educational trust, a school, college, university,

(c) Any other body either established under or controlled by a State or Central Act and carrying out any charitablepurpose, a non proit company set up under section 25 o the Companies Act, 1956.

Applications or purchase o units shall be made by such persons as are duly authorised in this behal by the charter oestablishment, rules and regulations, etc., governing the speciied investors.

Applications or units shall be accompanied by such documents as the UTI AMC may prescribe in this behal rom timeto time.

(5) Application for units under UTI-MUS may be made by any adult resident Indian and NRI as indicated

below :

(a) an Indian resident or an NRI emale person who has completed 18 years o age can invest in her own nameeither singly or jointly with another adult person on the irst holder or survivor basis. The second applicantwill enjoy all the rights like a nominee,

(b) a resident or NRI adult person may apply as an alternate applicant or the beneit o a mentally handicappedresident or NRI adult emale person.

Investment by Individuals Foreign Nationals (not available under UTI-CRTS)

For the purposes o carrying out the transactions by Foreign Nationals in the units o the Schemes o UTI MutualFund,

1. Foreign Nationals shall be resident in India as per the provisions o the Foreign Exchange Management Act,1999.

2. Foreign Nationals are required to comply (including taking necessary approvals) with all the laws, rules,regulations, guidelines and circulars, as may be issued/applicable rom time to time, including but not limited

to and pertaining to anti money laundering, know your customer (KYC), income tax, oreign exchangemanagement (the Foreign Exchange Management Act, 1999 and the Rules and Regulations made thereunder)including in all the applicable jurisdictions.

UTI AMC reserves the right to amend/terminate this acility at any time, keeping in view business/operationalexigencies.

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Applicable NAVFor UTI-Liquid Cash Planand UTI-MMF

Purchase :

Operation Cut-off Timing Applicable NAV

Valid applications received and unds are available

or utilisation on the same day.

Upto 2 p.m. NAV o the day immediately preceding the day o

receipt o the application.

Valid applications received and clear unds are

available or utilisation on the same day.

Ater 2 p.m. NAV o the day immediately preceding the next

business day.Irrespective o the time o receipt o application,

where the unds are not available or utilization on

the day o the application.

Within Business

Hours

NAV o the day immediately preceding the day on

which the unds are available or utilisation.

Redemption :


Valid applications received Upto 3 p.m. NAV o the day immediately preceding the next

business day.

Valid applications received Ater 3 p.m. NAV o the next business day.

Applicable NAV Purchase : For Purchases upto`1 crore

For UTI-Bond Fund,UTI-Dynamic Bond Fund,UTI-Floating Rate Fund(STP), UTI-GAF, UTI-G-Sec,UTI-Short Term IncomeFund, UTI-Treasury Adv.Fund, UTI-MUS, UTI-MISAdvantage, UTI-MIS andUTI-CRTS


Valid applications received with local cheques /

demand drats payable at par at the place where

the application is received.

Upto 3 p.m. NAV o the day o receipt o the application

Valid applications received with local cheques /

demand drats payable at par at the place where

the application is received.

Ater 3 p.m. NAV o the next business day.

Valid applications received with outstation

cheques / demand drats (or the schemes/

investors as permitted in the SID) not payable at

par at the place where the application is received.

Within Business

Hours

NAV o the day on which cheque/demand drat is

credited to the Scheme/Plan.

Purchase : For Purchases of`1 crore and above


Valid applications received with cheques / demand

drats.

Within Business

Hours

NAV o the day (or immediately ollowing Business

Day i that day is not a Business Day) on which the

unds are available or utilization shall be

applicable.Redemption : Operation Cut-off Timing Applicable NAV

Valid applications received Upto 3 p.m. NAV o the day o receipt o the application

Valid applications received Ater 3 p.m. NAV o the next business day.

A. For UTI- Liquid Cash Plan & UTI-Money Market Fund

a. For allotment of units in respect of purchase:

i. Application is received beore the applicable cut-o time.

ii. Funds or the entire amount o subscription/purchase as per the application are credited to the bank

account o the respective liquid schemes beore the cut-o time. The time o credit to the scheme

account will only be considered irrespective o time o debit to the investors account.

iii. The unds are available or utilization beore the cut-o time without availing any credit acility whether

intra-day or otherwise, by the respective liquid schemes.

b. For allotment of units in respect of switch-in:

i. Application or switch-in is received beore the applicable cut-o time.

ii. Funds or the entire amount o subscription/purchase as per the switch-in request are credited to the

bank account o the respective switch-in liquid schemes beore the cut-o time.


intra-day or otherwise, by the respective switch-in schemes.

B. Other than UTI- Liquid Cash Plan & UTI-Money Market Fund - For amount equal to or more than`1 Crore

a. For allotment of units in respect of purchase:

i. Application is received beore the applicable cut-o time.

ii. Funds or the entire amount o subscription/purchase as per the application are credited to the bank

account o the respective schemes beore the cut-o time. The time o credit to the scheme account will

only be considered irrespective o time o debit to the investors account.


intra-day or otherwise, by the respective scheme.

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b. For allotment of units in respect of switch-in:

i. Application or switch-in is received beore the applicable cut-o time.

ii. Funds or the entire amount o subscription/purchase as per the switch-in request are credited to the bank

account o the respective switch-in income/debt oriented mutual und schemes/plans beore the cut-o time.

iii. The unds are available or utilization beore the cut-o time without availing any credit acility whether intra-day or otherwise, by the respective switch-in income/debt oriented mutual und schemes/plans.

The aoresaid provisions shall also apply to SIP, STRIP & DTP o the schemes.

In case, multiple applications are received or purchase / switchin under any one o the Income/Debt Oriented scheme/s

or an aggregate investment amount equal to or more than`1 Crore on any business day, then such applications shall

be consolidated on the basis o Permanent Account Number (PAN) o the 1st holder. Such consolidation shall be done in

each scheme irrespective o the ollowing:

Plan/optionunderthescheme

NumberoffoliosheldbyanInvestorunderthescheme

Holdingpattern

Investmentismadedirectlyorthroughdistributor/s

Amount/sremittedthroughsame/differentbankaccounts/instruments.

Accordingly, the applicable NAV or such investments shall be the day on which unds are available or utilization beorethe cut o time. In case, the unds are received under the Scheme on dierent dates and are available or utilization on

dierent Business days beore the cut o time, then the applicable NAV shall be o the Business Day on which the cleared

unds are available or the respective instrument amount/s.

Risk Mitigation processagainst Third PartyCheques

Restriction on Third Party Payments

Third party payments are not accepted in any o the schemes o UTI Mutual Fund subject to certain exceptions.

Third Party Payments means the payment made through instruments issued rom an account other than that o the

beneiciary investor mentioned in the application orm. However, in case o payments rom a joint bank account, the irst

named applicant/investor has to be one o the joint holders o the bank account rom which payment is made.

The exceptions, inter-alia, includes:-

Payment by Parents/Grand-Parents/related persons on behal o a minor in consideration o natural love and aection or

as git or a value not exceeding`50,000/- (each regular purchase or per SIP installment).

Further, this restriction is not applicable or payment made by a guardian whose name is registered in the records o UTIMutual Fund in that olio.

For urther details, please reer to SAI.

Despatch of RedemptionRequest

Within 10 business days o the receipt o the redemption request at the authorised centre o UTI Mutual Fund.

Name of the TrusteeCompany

UTI Trustee Company Private Limited

Waiver of Load for DirectApplications

No Entry Load

No entry load shall be charged or direct applications received by the Asset Management Company (AMC) i.e.applications received through internet, submitted to AMC or collection centre that are not routed through any distributor/

agent/broker. No entry load shall also be charged or additional purchases done directly by the investor under the same

olio and switch-in to a scheme rom other schemes i such a transaction is done directly by the investor.

Wherever the ARN/Code o a broker/IFA/sub-broker/distributor given in the application orm has to be struck o, it has

to be counter signed by the irst applicant. In case the irst applicant does not counter sign it the application will not be

treated as a direct application.For direct applications, the area or providing ARN/ Code o a broker/IFA/sub-broker/distributor should not be let blank.

It should be marked Direct or Not Applicable.

In terms o SEBI circular no. SEBI/IMD/CIR No.4/ 168230/09 dated June 30, 2009, no entry load will be charged by the

Scheme to the investor eective August 1, 2009. Upront commission shall be paid directly by the investor to the AMFI

registered Distributors based on the investors assessment o various actors including the service rendered by the

distributor.

All Oicial Points o Acceptance will be available on the website o UTI Mutual Fund www.utim.com.

Tax Treatment for theInvestors (Unitholders)

Investor are advised to reer to the details in the Statement o Additional Inormation and also independently reer to his

tax advisor.

Daily Net Asset Value(NAV) Publication

The NAVs will be declared on all business days and will be issued to two newspapers or publication and will also be

available on website o UTI Mutual Fund, www.utim.com and website o AMFI namely www.amiindia.com. You can

also call us at 1800 22 1230 (toll ree number) or (022) 2654 6200 (non toll ree number).

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For Investor Grievanceplease contact

Name and Address of Registrar

M/s. Karvy Computershare Private LimitedNarayani Mansion, H.No.1-90-2/10/E,Vittalrao Nagar, Madhapur,

Hyderabad 500 081.Tel. 040-2342 1944 to 47,Fax: 040-2311 5503e-mail: [email protected]

All investors could refer their grievances giving fullparticulars of investment at the following address:

Shri G S AroraAssistant Vice PresidentDepartment o OperationsUTI Asset Management Company Ltd.,

UTI Tower, Gn Block, Bandra-Kurla Complex,Bandra (East), Mumbai 400 051.Tel: 022-6678 6666 Fax: 022-2652 3031

Investors may post their grievances at ourwebsite: www. utim.com or e-mail us at [email protected]

Transferability of units(except UTI-FMP, UTI-CRTS& UTI-MUS)

Units o the schemes held in dematerialised orm shall be reely transerable rom one demat account to another demataccount. For details o terms and conditions governing such transerability o units, kindly reer to the Statement oAdditional Inormation.

Investment in the Units o the schemes through SIP route under demat mode also is available with eect rom 1st January2012.

The acility o conversion o units held in Dematerialisation (Demat) mode into physical by way o Rematerialisation(Remat) or investments held under various options o the Scheme(s) / Plan(s) o the UTI Mutual Fund including units heldunder Systematic Investment Plan (SIP), is extended, wherever Demat acility is available, with eect rom April 16, 2012.For urther details please reer to SAI.

Unitholders Information Accounts statement (on each transaction) and annual inancial results shall be provided to investors by post/any othermode. Hal yearly scheme portolio disclosure will be mailed to unitholders or published in the newspapers as permittedunder SEBI (Mutual Funds) Regulations, 1996.

Risk Mitigation Strategies Type of Risk Risk Mitigation Strategies

Non-adherence to the variousAsset allocation limits, as perthe Regulations/SID

System control, Continuous review and management o schemes portolio, internalnorms/process on equity investments & monthly review thereo.

Market Risk Controlling stock level/sector level exposure norms. Periodic review o strategy andperormance o the schemes as compared to benchmarks/Peer group. Periodic detailedrisk analysis. Independent Internal Research.

Liquidity Risk Investments will be made in debt, money market instruments and equity and equityrelated instruments having adequate liquidity in the secondary market. Periodic Review oexposure to Illiquid Securities.

Credit Risk Well laid out norms or investing in debt instruments. Securities rated below prescribed

grade are generally backed by adequate collaterals. Review o Credit ratings andCompanies Financials as per the laid down process. Review o credit proile o portolio,industry developments in the credit ratings movements and investment decisions. Periodicreview o sector-wise debt exposure & stipulation o restraints, wherever required.

Date: April 25, 2012

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(a) Please read the terms o the Key Inormation Memorandum and the Scheme InormationDocument along with Statement o Additional Inormation careully beore illing theApplication Form. Investors should also apprise themselves o the prevailing Loadstructure on the date o submitting the Application Form. Investors are deemed to haveaccepted the terms subject to which this oer is being made and bind themselves to theterms upon signing the Application Form and tendering payment.

(b) Beore submission o application orm at UTI Financial Centres and other authorisedcollection centres, investors may please ensure that the orm has been illed in completelyand signed by all the applicants properly as incomplete application is liable to be rejected.

(c) NRI applicants should preerably submit the application at NRI Branch, Mumbai, DubaiRepresentative Oice or any Financial Centre o UTI AMC along with NR(E) / NR(O)cheque or a rupee drat payable at the place where the application is submitted.

(d) The cheque / draft accompanying an application should be made payable infavour of `The name of the scheme.

(e) Outstation cheques are not accepted. In case the payment is made by demand drat, thedrat commission will have to be borne by the applicants. However or investment maderom areas where there are no UTI Financial Centres or authorised collection centres(where local cheques are accepted), UTI AMC may, i it so decides, bear drat charges tothe extent o`250/- per application or the actual as is prescribed by banks, whichever islower or such amount as may be decided by UTI AMC rom time to time. The investorshave to attach proo o the DD charges paid to a bank (i.e. acknowledgement issued bythe bank where DD is purchased). The reimbursement/ adjustment o DD charges issolely at the discretion o UTI AMC and in case i it is ound that such charges areunreasonably higher than normal market rates, such charges may not be admissible.Demand drat charges i reimbursed to unitholders will be borne by the AMC and willnot be charged to the scheme. However in case o applications received along with local

bank drat where UTI AMC has its Financial Centres/ or any other authorised collectioncentre, bank drat commission will have to be borne by the investors.

In the case o UTI-Floating Rate Fund, UTI-Short Term Income Fund, UTI-Liquid Cash Planand UTI-Money Market Fund the Demand drat charges, i any, will have to be borne bythe investors only and no reimbursement o the same will be made by UTI AMC.

(f) Pleasewrite the application serial number and /ID number on the reverse of thecheque / draft.

(g) Please ill in the names o the applicant(s) / minor / institution / parent or lawul guardian/alternate applicant/ nominee, etc. at the appropriate places in the application orm. PINcode no. must be given with address to avoid delay / loss in transit.

(h) It is mandatory or an applicant to urnish ull and correct particulars o bank accountsuch as nature and number o the account, name and address o the bank, name o thebranch, MICR code o the branch (where applicable) etc. at the appropriate place in theapplication orm. Application without such bank particulars is liable to be rejected. I thecredit o dividend distribution, is delayed or not eected at all or reason o incompleteor incorrect inormation urnished by the applicant, UTI AMC cannot be held responsible.

(i) No cash, money orders, outstation cheques, post-dated cheques [except throughSystematic Investm

Documents

Uti Yfmp 04 13 Kim