{"id":258810,"date":"2026-09-21T11:22:00","date_gmt":"2026-09-21T05:52:00","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/uti-long-term-fund-direct-growth-review-2026\/"},"modified":"2026-09-21T11:22:00","modified_gmt":"2026-09-21T05:52:00","slug":"uti-long-term-fund-direct-growth-review-2026","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/uti-long-term-fund-direct-growth-review-2026\/","title":{"rendered":"UTI Long Term Fund Direct Growth Review 2026: NAV, Returns, Portfolio &#038; Should You Invest?"},"content":{"rendered":"<p><a href=\"https:\/\/univest.in\/mutual-funds\/uti-long-term-fund-g-direct-plan\">UTI Long Term Fund Direct Growth Plan<\/a> has a NAV of \u20b912.2913 as of 18 Sep 2026 and assets of \u20b989 Cr. Its 1-year, 3-year and 5-year returns are 2.33%, 5.52% and 0% respectively, and it is tagged as Medium Risk. In our view, the fund has shown a mixed pattern: modest short-term gains, a steadier 3-year outcome, and a portfolio that is heavily anchored in government securities.<\/p>\n<p>That mix makes it more relevant for conservative investors who want debt exposure with a clearly visible sovereign-bond tilt, while still accepting that recent performance has been uneven. The benchmark is Nifty 50, and the fund has not tracked a strong equity-style rally, which is consistent with its debt profile and portfolio structure.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/uti-long-term-fund-direct-growth-review-2026\/#Quick_facts\" title=\"Quick facts\">Quick facts<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/uti-long-term-fund-direct-growth-review-2026\/#Performance\" title=\"Performance\">Performance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/uti-long-term-fund-direct-growth-review-2026\/#Should_you_BUY_or_HOLD_UTI_Long_Term\" title=\"Should you BUY or HOLD UTI Long Term?\">Should you BUY or HOLD UTI Long Term?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/uti-long-term-fund-direct-growth-review-2026\/#Peer_comparison\" title=\"Peer comparison\">Peer comparison<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/uti-long-term-fund-direct-growth-review-2026\/#Portfolio_where_your_money_goes\" title=\"Portfolio: where your money goes\">Portfolio: where your money goes<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/uti-long-term-fund-direct-growth-review-2026\/#Who_should_invest\" title=\"Who should invest\">Who should invest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/uti-long-term-fund-direct-growth-review-2026\/#Tax_and_exit_load\" title=\"Tax and exit load\">Tax and exit load<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/uti-long-term-fund-direct-growth-review-2026\/#Frequently_asked_questions\" title=\"Frequently asked questions\">Frequently asked questions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/uti-long-term-fund-direct-growth-review-2026\/#What_is_the_current_NAV_of_UTI_Long_Term_Fund_Direct_Growth_Plan\" title=\"What is the current NAV of UTI Long Term Fund Direct Growth Plan?\">What is the current NAV of UTI Long Term Fund Direct Growth Plan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/uti-long-term-fund-direct-growth-review-2026\/#What_are_the_funds_1-year_3-year_and_5-year_returns\" title=\"What are the fund\u2019s 1-year, 3-year and 5-year returns?\">What are the fund\u2019s 1-year, 3-year and 5-year returns?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/uti-long-term-fund-direct-growth-review-2026\/#How_does_the_fund_compare_with_its_benchmark\" title=\"How does the fund compare with its benchmark?\">How does the fund compare with its benchmark?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/univest.in\/blogs-2\/uti-long-term-fund-direct-growth-review-2026\/#How_does_it_compare_with_peer_funds_on_available_return_data\" title=\"How does it compare with peer funds on available return data?\">How does it compare with peer funds on available return data?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/univest.in\/blogs-2\/uti-long-term-fund-direct-growth-review-2026\/#What_is_the_minimum_SIP_amount\" title=\"What is the minimum SIP amount?\">What is the minimum SIP amount?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/univest.in\/blogs-2\/uti-long-term-fund-direct-growth-review-2026\/#Who_manages_the_fund_and_what_is_the_exit_load\" title=\"Who manages the fund and what is the exit load?\">Who manages the fund and what is the exit load?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/univest.in\/blogs-2\/uti-long-term-fund-direct-growth-review-2026\/#Bottom_line\" title=\"Bottom line\">Bottom line<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/univest.in\/blogs-2\/uti-long-term-fund-direct-growth-review-2026\/#Explore_mutual_funds_with_Univest\" title=\"Explore mutual funds with Univest\">Explore mutual funds with Univest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/univest.in\/blogs-2\/uti-long-term-fund-direct-growth-review-2026\/#RIA_disclosure\" title=\"RIA disclosure\">RIA disclosure<\/a><\/li><\/ul><\/nav><\/div>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Quick_facts\"><\/span>Quick facts<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Particular<\/th>\n<th>Details<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>NAV<\/td>\n<td>\u20b912.2913 as of 18 Sep 2026<\/td>\n<\/tr>\n<tr>\n<td>AUM<\/td>\n<td>\u20b989 Cr<\/td>\n<\/tr>\n<tr>\n<td>Expense Ratio<\/td>\n<td>0.63%<\/td>\n<\/tr>\n<tr>\n<td>Launch Date<\/td>\n<td>17 Mar 2023<\/td>\n<\/tr>\n<tr>\n<td>Min SIP<\/td>\n<td>\u20b9500<\/td>\n<\/tr>\n<tr>\n<td>Risk Category<\/td>\n<td>Medium Risk<\/td>\n<\/tr>\n<tr>\n<td>Benchmark<\/td>\n<td>Nifty 50<\/td>\n<\/tr>\n<tr>\n<td>Fund Category<\/td>\n<td>Debt<\/td>\n<\/tr>\n<tr>\n<td>Exit Load<\/td>\n<td>No exit load<\/td>\n<\/tr>\n<tr>\n<td>Fund Managers<\/td>\n<td>Pankaj Pathak<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The fund is managed by Pankaj Pathak.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 18 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Performance\"><\/span>Performance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Period<\/th>\n<th>Fund return<\/th>\n<th>Benchmark return<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>1M<\/td>\n<td>-0.82%<\/td>\n<td>-3.73%<\/td>\n<\/tr>\n<tr>\n<td>3M<\/td>\n<td>0.14%<\/td>\n<td>-3.14%<\/td>\n<\/tr>\n<tr>\n<td>1Y<\/td>\n<td>2.33%<\/td>\n<td>-5.31%<\/td>\n<\/tr>\n<tr>\n<td>3Y<\/td>\n<td>5.52%<\/td>\n<td>6.3%<\/td>\n<\/tr>\n<tr>\n<td>5Y<\/td>\n<td>Data not available<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Recent performance has been steady rather than dramatic. The 1-month return was slightly negative, but it still held up better than the benchmark in the same window. Over 3 months, the fund recovered to a small positive return while the benchmark stayed negative, which tells us the fund has been more stable in the latest stretch than the comparison index.<\/p>\n<p>The 1-year figure is more telling. The fund delivered 2.33% while the benchmark was down 5.31%, so the debt strategy has clearly behaved differently from the benchmark\u2019s weaker year. That divergence matters because it shows the fund is not trying to mimic the benchmark\u2019s short-term swings; it is following its own income-and-duration pattern.<\/p>\n<p>Over 3 years, the story becomes tighter. The fund\u2019s 5.52% return is below the benchmark\u2019s 6.3%, so longer-horizon compounding has been respectable but not ahead of the benchmark. The 5-year field is not available for this scheme, so we do not treat it as a long-history comparison point. Taken together, the recent numbers look better than the longer-run relative result, which is useful for investors who care more about consistency than high upside.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 18 Sep 2026<\/small><\/p>\n<section class=\"univest-mf-premium-cta\" style=\"margin:28px 0;padding:24px;border-radius:10px;border:1px solid #d8e3f0;background:#f7faff\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Should_you_BUY_or_HOLD_UTI_Long_Term\"><\/span>Should you BUY or HOLD UTI Long Term?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A fund&#8217;s past returns alone don&#8217;t tell you whether you should buy it today or continue holding it.<\/p>\n<p>The right decision depends on factors such as your current allocation, purchase price, risk profile, investment horizon and the role this fund plays in your overall portfolio.<\/p>\n<p><strong>Already holding UTI Long Term? Thinking of investing now?<\/strong><\/p>\n<p><a href=\"https:\/\/univest.in\/mutual-funds\" style=\"font-weight:700;text-decoration:none\">Get your portfolio analysed for FREE by SEBI-registered Investment Adviser (RIA) through Univest MF Premium<\/a><\/p>\n<\/section>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Peer_comparison\"><\/span>Peer comparison<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Fund<\/th>\n<th>1Y return<\/th>\n<th>3Y return<\/th>\n<th>5Y return<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/uti-long-term-fund-g-direct-plan\">UTI Long Term Fund Direct Growth Plan<\/a><\/td>\n<td>2.33%<\/td>\n<td>5.52%<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/franklin-india-long-term-fund-g-direct-plan\">Franklin India Long Term Fund Direct Growth Plan<\/a><\/td>\n<td>4.13%<\/td>\n<td>Data not available<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/bandhan-long-term-fund-g-direct-plan\">Bandhan Long Term Fund Direct Growth Plan<\/a><\/td>\n<td>3.55%<\/td>\n<td>Data not available<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/aditya-birla-sl-long-term-fund-g-direct-plan\">Aditya Birla SL Long Term Fund Direct Growth Plan<\/a><\/td>\n<td>3.35%<\/td>\n<td>6.59%<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/icici-pru-long-term-fund-g-direct-plan\">ICICI Pru Long Term Fund Direct Growth Plan<\/a><\/td>\n<td>2.68%<\/td>\n<td>6.46%<\/td>\n<td>5.27%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/axis-long-term-fund-g-direct-plan\">Axis Long Term Fund Direct Growth Plan<\/a><\/td>\n<td>2.6%<\/td>\n<td>5.73%<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>This assessment is prepared by Uniapps Investment Adviser Pvt. Ltd. under SEBI Registered Investment Adviser registration INA000017639. On the latest 1-year comparison, the fund trails several peers that have posted higher numbers, though it is still positive while the benchmark has been negative. The 3-year comparison is more balanced: the fund is below Aditya Birla SL Long Term Fund Direct Growth Plan and ICICI Pru Long Term Fund Direct Growth Plan, but still in the same broad return range as Axis Long Term Fund Direct Growth Plan.<\/p>\n<p>The shorter-term comparison and the longer-term comparison are not identical. In the latest year, the fund has lagged the stronger peer returns, but over 3 years it remains reasonably close to the peer pack that has available data. That suggests the fund\u2019s recent behavior has been calmer than the benchmark, yet its medium-term compounding has not clearly separated it from the better peer outcomes.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 18 Sep 2026<\/small><\/p>\n<div class=\"univest-peer-login-cta\" style=\"margin:20px 0;padding:16px 18px;border:1px solid #d8e3f0;border-radius:8px;background:#f7faff\">\n<p style=\"margin:0\"><strong>Want to know more?<\/strong> <a href=\"https:\/\/univest.in\/user\/log-in\" style=\"font-weight:700;text-decoration:none\">Log in to Univest<\/a> for more mutual fund insights.<\/p>\n<\/div>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Portfolio_where_your_money_goes\"><\/span>Portfolio: where your money goes<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Holding<\/th>\n<th>Sector<\/th>\n<th>Weight<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>6.90% Gsec Mat &#8211; 15\/04\/2065<\/td>\n<td>Government Securities<\/td>\n<td>50.76%<\/td>\n<\/tr>\n<tr>\n<td>7.24% Gsec Mat- 18\/08\/2055<\/td>\n<td>Government Securities<\/td>\n<td>21.53%<\/td>\n<\/tr>\n<tr>\n<td>Net Current Assets<\/td>\n<td>Cash &#038; Cash Equivalents and Net Assets<\/td>\n<td>15.45%<\/td>\n<\/tr>\n<tr>\n<td>7.09% GS Mat &#8211; 05\/08\/2054<\/td>\n<td>Government Securities<\/td>\n<td>10.56%<\/td>\n<\/tr>\n<tr>\n<td>7.23% Gsec Mat- 15\/04\/2039<\/td>\n<td>Government Securities<\/td>\n<td>1.13%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The largest holding, 6.90% Gsec Mat &#8211; 15\/04\/2065, carries a 50.76% weight, so it is likely to have the greatest influence on the portfolio\u2019s day-to-day behaviour. The second and third positions are also meaningful, but the drop from the first holding to the fifth is steep, with the smallest disclosed holding at only 1.13%.<\/p>\n<p>That pattern tells us the portfolio is concentrated in a small set of very large positions rather than spread across many evenly sized holdings. With 99.43% of the disclosed portfolio represented by just five holdings, and no additional holdings listed, the structure is highly focused. Because most of the weight sits in government securities and net current assets, the fund may behave more like a concentrated sovereign-debt portfolio than a broadly diversified credit book.<\/p>\n<p>This concentration could support a clearer interest-rate profile, but it also means the largest government-security position is likely to matter a lot when yields move. The limited number of disclosed holdings reinforces that view, since each position has a visible role rather than being diluted across a long tail.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 18 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Who_should_invest\"><\/span>Who should invest<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>This fund is more suitable for investors who are comfortable with Medium Risk and want a debt-oriented allocation rather than an equity-led return profile. The 1-year and 3-year numbers suggest moderate performance, with the latest year stronger than the benchmark but the 3-year result still behind it.<\/p>\n<p>The main trade-off is between relative stability and the possibility of stronger upside elsewhere. The portfolio\u2019s heavy tilt to government securities may appeal to investors seeking a more defined interest-rate exposure, but they should be prepared for returns that can look modest when compared with more aggressive return-seeking funds. A medium-term horizon is more sensible here than a short tactical view.<\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Tax_and_exit_load\"><\/span>Tax and exit load<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Holding period<\/th>\n<th>Tax rate<\/th>\n<th>Description<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Units held less than 1 year<\/td>\n<td>20%<\/td>\n<td>Short-term capital gains tax<\/td>\n<\/tr>\n<tr>\n<td>Units held more than 1 year<\/td>\n<td>12.5%<\/td>\n<td>Long-term capital gains tax<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>Exit load:<\/strong> No exit load.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 18 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Frequently_asked_questions\"><\/span>Frequently asked questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"What_is_the_current_NAV_of_UTI_Long_Term_Fund_Direct_Growth_Plan\"><\/span>What is the current NAV of UTI Long Term Fund Direct Growth Plan?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The current NAV is \u20b912.2913 as of 18 Sep 2026.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"What_are_the_funds_1-year_3-year_and_5-year_returns\"><\/span>What are the fund\u2019s 1-year, 3-year and 5-year returns?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The fund\u2019s 1-year return is 2.33%, its 3-year return is 5.52%, and its 5-year return is Data not available.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"How_does_the_fund_compare_with_its_benchmark\"><\/span>How does the fund compare with its benchmark?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>It has done better than the benchmark over 1 year and over the latest 1-month and 3-month periods, but it trails the benchmark over 3 years.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"How_does_it_compare_with_peer_funds_on_available_return_data\"><\/span>How does it compare with peer funds on available return data?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Its latest 1-year return is below Franklin India Long Term Fund Direct Growth Plan, Bandhan Long Term Fund Direct Growth Plan, Aditya Birla SL Long Term Fund Direct Growth Plan, ICICI Pru Long Term Fund Direct Growth Plan and Axis Long Term Fund Direct Growth Plan. Over 3 years, it is below Aditya Birla SL Long Term Fund Direct Growth Plan and ICICI Pru Long Term Fund Direct Growth Plan, but close to Axis Long Term Fund Direct Growth Plan.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"What_is_the_minimum_SIP_amount\"><\/span>What is the minimum SIP amount?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The minimum SIP amount is \u20b9500.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Who_manages_the_fund_and_what_is_the_exit_load\"><\/span>Who manages the fund and what is the exit load?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The fund is managed by Pankaj Pathak. The exit load is no exit load.<\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Bottom_line\"><\/span>Bottom line<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>UTI Long Term Fund Direct Growth Plan has a steadier recent profile than its benchmark, but its 3-year result does not lead the benchmark and its 5-year figure is not available. Relative to peers, the latest year is weaker than several available comparisons, while the 3-year result sits in the same general range as some peers with comparable data. The fund\u2019s Medium Risk label and concentrated government-securities tilt make it more suited to investors who value a defined debt profile and can live with moderate return expectations.<\/p>\n<p class=\"univest-posted-at\" style=\"font-size:14px;color:#666;margin:20px 0 8px\">Published on 21 September 2026 at 11:20 AM IST<\/p>\n<section class=\"univest-login-cta\" style=\"margin:28px 0;padding:24px;border-radius:10px;background:#eef5ff;border:1px solid #cddff7;text-align:center\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Explore_mutual_funds_with_Univest\"><\/span>Explore mutual funds with Univest<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Review mutual fund data, compare performance and explore fund insights on Univest.<\/p>\n<p><a href=\"https:\/\/univest.in\/user\/log-in\" style=\"display:inline-block;padding:11px 20px;border-radius:6px;background:#1f4e79;color:#fff !important;text-decoration:none;font-weight:700\">Explore Univest<\/a><\/p>\n<\/section>\n<section class=\"univest-disclaimer\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"RIA_disclosure\"><\/span>RIA disclosure<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. This review is prepared by Uniapps Investment Adviser Pvt. Ltd. (earlier known as Uniapps Global Research Pvt. Ltd.) under SEBI Registered Investment Adviser registration INA000017639 for general informational purposes and is not personalized investment advice.<\/p>\n<\/section>\n<p><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"InvestmentFund\",\"name\":\"UTI Long Term Fund Direct Growth Plan\",\"identifier\":\"uti-long-term-fund-g-direct-plan\",\"category\":\"Debt\",\"dateCreated\":\"17 Mar 2023\",\"isAccessibleForFree\":true,\"additionalProperty\":[{\"@type\":\"PropertyValue\",\"name\":\"NAV\",\"value\":12.2913,\"valueReference\":\"as of 18 Sep 2026\"},{\"@type\":\"PropertyValue\",\"name\":\"AUM\",\"value\":\"89 Cr\"},{\"@type\":\"PropertyValue\",\"name\":\"Expense Ratio\",\"value\":\"0.63\"},{\"@type\":\"PropertyValue\",\"name\":\"Benchmark\",\"value\":\"Nifty 50\"},{\"@type\":\"PropertyValue\",\"name\":\"1Y Return\",\"value\":2.33},{\"@type\":\"PropertyValue\",\"name\":\"3Y Return\",\"value\":5.52},{\"@type\":\"PropertyValue\",\"name\":\"5Y Return\",\"value\":0},{\"@type\":\"PropertyValue\",\"name\":\"Fund Managers\",\"value\":\"Pankaj Pathak\"}]}<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is the current NAV of UTI Long Term Fund Direct Growth Plan?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The current NAV is \u20b912.2913 as of 18 Sep 2026.\"}},{\"@type\":\"Question\",\"name\":\"What are the fund\u2019s 1-year, 3-year and 5-year returns?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The fund\u2019s 1-year return is 2.33%, its 3-year return is 5.52%, and its 5-year return is Data not available.\"}},{\"@type\":\"Question\",\"name\":\"How does the fund compare with its benchmark?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It has done better than the benchmark over 1 year and over the latest 1-month and 3-month periods, but it trails the benchmark over 3 years.\"}},{\"@type\":\"Question\",\"name\":\"How does it compare with peer funds on available return data?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Its latest 1-year return is below Franklin India Long Term Fund Direct Growth Plan, Bandhan Long Term Fund Direct Growth Plan, Aditya Birla SL Long Term Fund Direct Growth Plan, ICICI Pru Long Term Fund Direct Growth Plan and Axis Long Term Fund Direct Growth Plan. Over 3 years, it is below Aditya Birla SL Long Term Fund Direct Growth Plan and ICICI Pru Long Term Fund Direct Growth Plan, but close to Axis Long Term Fund Direct Growth Plan.\"}},{\"@type\":\"Question\",\"name\":\"What is the minimum SIP amount?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The minimum SIP amount is \u20b9500.\"}},{\"@type\":\"Question\",\"name\":\"Who manages the fund and what is the exit load?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The fund is managed by Pankaj Pathak. The exit load is no exit load.\"}}]}<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"Organization\",\"name\":\"Uniapps Investment Adviser Pvt. Ltd.\",\"description\":\"SEBI Registered Investment Adviser INA000017639\"}<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>UTI Long Term Fund Direct Growth Plan has a NAV of \u20b912.2913 as of 18 Sep 2026, a \u20b989 Cr AUM, and returns of 2.33% over 1 year and 5.52% over 3 years.<\/p>\n","protected":false},"author":38,"featured_media":258804,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3841],"tags":[],"class_list":["post-258810","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mutual-funds"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["258804"],"rank_math_title":["UTI Long Term Fund Direct Growth NAV, Returns, Review"],"rank_math_description":["UTI Long Term Fund Direct Growth Plan review: NAV \u20b912.2913, 1Y return 2.33%, 3Y return 5.52%, Medium Risk debt fund."],"rank_math_focus_keyword":["UTI Long Term Fund Direct Growth Plan review"],"rank_math_robots":["a:2:{i:0;s:7:\"noindex\";i:1;s:8:\"nofollow\";}"]},"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/univest.in\/blogs-2\/wp-content\/uploads\/2026\/09\/UTI_Long_Term_Fund_Direct_Growth_Review_2026_NAV_Returns_Portfolio_Should_You_Invest_neutral.png","_links":{"self":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/258810","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/users\/38"}],"replies":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/comments?post=258810"}],"version-history":[{"count":0,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/258810\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media\/258804"}],"wp:attachment":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media?parent=258810"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/categories?post=258810"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/tags?post=258810"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}