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Loan Against UTI Equity Savings Fund Direct IDCW

Hybrid

|

Equity Savings

|

Dividend

ISIN NO.  -  INF789F1A769

LAUNCH DATE  -  30-Aug-2018

Returns (CAGR)

1 yr. 11.38

3 yr. 13.41

5 yr. 10.21

Since Inception 8.3%

Risk Category

Moderate

Stop Redemptions with Loan Against Mutual Funds

Unlock the potential of your mutual fund investments with loan facilities from a wide range of eligible mutual fund schemes. By availing a loan against your mutual funds, you can access funds without the need to sell or redeem your investments. Retain ownership of your mutual fund units and benefit from potential growth and dividends while meeting your financial requirements.

Why Take a Loan Instead of Selling or Redeeming Mutual Fund Units?

Taking a loan against your UTI Equity Savings Fund Direct IDCW units offers several advantages over selling or redeeming your investments:

27-Oct-2023
15.8598

Fund size:
291.5576 Cr

Exit Load:
For units in excess of 10% of the investment, 1% will be charged for redemption within 12 months.

Expense Ratio:
0.69%

Fund House:
UTI Mutual Fund

Returns are taxed at 15%, if you redeem before one year. After 1 year, you are required to pay LTCG tax of 10% on returns of Rs 1 lakh+ in a financial year.

Min. Lump sum Investment ₹5000

Min. SIP Investment 500

CATEGORY AVERAGE 1 yr. NA 3 yr. 3.2%

Check your eligible loan amount against mutual funds.

Value of your mutual fund
You are eligible for
50,000
Minimum portfolio value: ₹50,000
Interest Rate: 10%
Choose tenure
installment options
EMI
4395
per month
Balloon
help

Balloon Payment

(Interest only)

Pay monthly installments towards interest only. Settle the principal at the end of tenure.

416
per month

About UTI Equity Savings Fund Direct IDCW

The Scheme seeks to provide capital appreciation and income distribution to the investors using arbitrage opportunities, investment in equity / equity related instruments and debt / money market instruments. ;

What is a loan against
mutual funds?

With a Loan against Mutual Fund, you offer your MF units as collateral for the loan. The lender holds the Mutual Fund units as a security till you repay the loan amount. Your Mutual Funds will continue to earn returns, but you cannot sell them while you have pledged them to the lender.

You may borrow up to 50% of the value of your equity mutual fund schemes in your portfolio. The value of your mutual fund scheme is derived by multiplying the number of units by the scheme's NAV. The total value of all equity mutual fund schemes will be used to calculate your portfolio value.

Why Take a Loan Instead of Selling or Redeeming Mutual Fund Units?

Taking a loan against your Mutual Fund units offers several advantages over selling or redeeming your investments:

How to Apply for the Loan?

Applying for a loan against your UTI Equity Savings Fund Direct IDCW through DhanLAP is simple.

Complete your EKYC
Pledge your Mutual Fund Holdings
Get Instant Loan disbursal to your bank account.
Apply for Loan against Mutual Funds Now

Eligibility Criteria for Loan Against UTI Equity Savings Fund Direct IDCW

To be eligible for a loan against your UTI Equity Savings Fund Direct IDCW units with DhanLAP , you typically need to meet the following criteria:

Icon description You should be between 18 and 65 years of age
Icon description Your entire mutual fund portfolio should not be less than ₹50,000
Icon description You should hold Mutual Funds approved with CAMS & Kfintech (RTAs).
Icon description Debt & ELSS funds are not eligible.
Icon description Joint mutual fund holders are not eligible for a loan.
Icon description You should be an Indian resident

Benefits of Taking Loan Against Your UTI Equity Savings Fund Direct IDCW with DhanLAP

Choosing a loan against UTI Equity Savings Fund Direct IDCW with DhanLAP offers several benefits:

1

Higher Loan Amount: DhanLAP allows you to avail a higher loan amount compared to regular LAMF products, enabling you to meet substantial financial requirements.

2

Longer Repayment Tenure: You can choose a longer repayment tenure for DhanLAP, giving you more flexibility in managing your loan repayments.

3

Customized Loan Structures: DhanLAP offers customized loan structures tailored to your financial goals and requirements, providing you with greater control over the loan terms.

4

Fully End-to-end Digital Process: The documentation process for DhanLAP is fully digital and hassle-free, ensuring a smoother loan application experience.

5

Avoid Disruption to Investment Strategy: Loan Against Your UTI Equity Savings Fund Direct IDCW with DhanLAP allows you to avoid disrupting your investment strategy and long-term financial goals. Instead of selling or redeeming your mutual fund units, you can leverage them as collateral for a loan and continue to benefit from potential market growth.

6

Cost-Effective Solution: DhanLAP offers competitive interest rates, making it a cost-effective solution compared to traditional loan options. By opting for a Loan against Your UTI Equity Savings Fund Direct IDCW units with DhanLAP, you can access funds while minimizing the impact on your finances.

7

Quick Access to Funds: With DhanLAP, you can enjoy quick and convenient access to funds. The loan approval and disbursal process is efficient, allowing you to meet your financial needs promptly.

8

Flexibility in Loan Utilization: The loan amount obtained through DhanLAP can be used for a wide range of purposes, including home renovation, education expenses, medical emergencies, debt consolidation, or any other financial requirements you may have. You have the freedom to utilize the funds as per your specific needs.

9

Convenient Repayment Options: DhanLAP provides flexible repayment options tailored to your financial circumstances. You can choose from various repayment tenures and select a repayment plan that suits your cash flow and repayment capabilities.

10

Simple and Transparent Process: DhanLAP ensures a simplified and transparent loan process. The documentation requirements are clear, and the loan terms and conditions are communicated upfront, providing you with clarity and peace of mind.

By choosing Loan Against UTI Equity Savings Fund Direct IDCW with DhanLAP, you can unlock the value of your investments without liquidating them, enabling you to meet your financial goals while preserving your long-term wealth creation potential.

Apply for Loan against Mutual Funds Now

List of uti mutual fund Schemes.

Fund Name

3Y Returns

Loan Against UTI Focused Fund Direct IDCW

Loan Against UTI Nifty200 Momentum 30 Index Fund Direct Growth

Loan Against UTI Fixed Term Income Fund Series XXIII IX (1100 Days) Direct Growth

Loan Against UTI Small Cap Fund Direct Growth

Loan Against UTI Nifty Midcap 150 Quality 50 Index Fund Direct Growth

Loan Against UTI Small Cap Fund Direct IDCW

Loan Against UTI S&P BSE Low Volatility Index Fund Direct Growth

Loan Against UTI S&P BSE Sensex Index Fund Direct Growth

Loan Against UTI Focused Fund Direct Growth

Loan Against UTI Infrastructure Fund Direct IDCW

29.2

Loan Against UTI Infrastructure Fund Direct Growth

29.2

Loan Against UTI Transportation and Logistics Fund Direct Growth

28.11

Loan Against UTI Transportation and Logistics Fund Direct IDCW

28.11

Loan Against UTI Large & Mid Cap Fund Direct Growth

27.59

Loan Against UTI Large & Mid Cap Fund Direct IDCW

27.59

Loan Against UTI Mid Cap Fund Direct IDCW

26.89

Loan Against UTI Mid Cap Fund Direct Growth

26.89

Loan Against UTI Banking and Financial Services Fund Direct Plan Growth

21.98

Loan Against UTI Aggressive Hybrid Fund Direct Fund IDCW

21.92

Loan Against UTI Aggressive Hybrid Fund Direct Fund Growth

21.92

Loan Against UTI Value Fund Direct Growth

21.73

Loan Against UTI Value Fund Direct IDCW

21.73

Loan Against UTI Dividend Yield Fund Direct IDCW

21.58

Loan Against UTI Dividend Yield Fund Direct Growth

21.58

Loan Against UTI ELSS Tax Saver Fund Direct Growth

20.09

Loan Against UTI ELSS Tax Saver Fund Direct IDCW

20.09

Loan Against UTI Children's Career Fund Investment Plan Direct Growth

19.65

Loan Against UTI Long Term Advantage Fund Series III Direct IDCW

18.78

Loan Against UTI Large Cap Fund Direct IDCW

18.23

Loan Against UTI Large Cap Fund Direct Growth

18.23

Loan Against UTI Nifty 50 Index Fund Direct Growth

18.15

Loan Against UTI Nifty 50 Index Fund Direct IDCW

18.15

Loan Against UTI India Consumer Fund Direct IDCW

17.77

Loan Against UTI India Consumer Fund Direct Growth

17.77

Loan Against UTI Nifty Next 50 Index Fund Direct Growth

17.36

Loan Against UTI Long Term Advantage Fund Series V Direct Growth

16.87

Loan Against UTI MNC Fund Direct IDCW

16.33

Loan Against UTI MNC Fund Direct Growth

16.33

Loan Against UTI Flexi Cap Fund Direct Growth

15.64

Loan Against UTI Flexi Cap Fund Direct IDCW

15.64

Loan Against UTI Retirement Fund Direct

14.47

Loan Against UTI Multi Asset Allocation Fund Direct IDCW

13.56

Loan Against UTI Multi Asset Allocation Fund Direct Growth

13.56

Loan Against UTI Equity Savings Fund Direct IDCW

13.41

Loan Against UTI Equity Savings Fund Direct Growth

13.41

Loan Against UTI Healthcare Fund Direct Growth

12.77

Loan Against UTI Healthcare Fund Direct IDCW

12.77

Loan Against UTI Children's Career Fund Savings Plan Direct Plan

11.3

Loan Against UTI Credit Risk Fund Direct Growth

11.18

Loan Against UTI Credit Risk Fund Direct IDCW Monthly

11.18

Loan Against UTI Conservative Hybrid Fund Direct Monthly Payment

10.59

Loan Against UTI Conservative Hybrid Fund Direct Growth

10.59

Loan Against UTI Dynamic Bond Fund Direct Flexi IDCW

9.18

Loan Against UTI Dynamic Bond Fund Direct Growth

9.18

Loan Against UTI Medium to Long Duration Fund Direct Growth

8.45

Loan Against UTI Medium to Long Duration Fund Direct Flexi IDCW

8.45

Loan Against UTI Short Duration Fund Direct IDCW Yearly

6.84

Loan Against UTI Short Duration Direct Growth

6.84

Loan Against UTI Low Duration Fund Direct IDCW Daily

6.77

Loan Against UTI Low Duration Fund Direct Growth

6.77

Loan Against UTI Banking & PSU Fund Direct IDCW Yearly

6.49

Loan Against UTI Banking and Financial Services Fund Direct Plan IDCW

6.49

Loan Against UTI Banking & PSU Fund Direct Growth

6.49

Loan Against UTI Ultra Short Duration Fund Direct Growth

6.11

Loan Against UTI Ultra Short Duration Fund Direct IDCW Yearly

6.11

Loan Against UTI Annual Interval Fund I Direct Growth

5.74

Loan Against UTI Focussed Equity Fund Series V (1102 Days) Direct Growth

5.7

Loan Against UTI Medium Duration Fund Direct IDCW Monthly

5.47

Loan Against UTI Medium Duration Fund Direct Growth

5.47

Loan Against UTI Arbitrage Fund Direct IDCW

5.43

Loan Against UTI Arbitrage Fund Direct Growth

5.43

Loan Against UTI Money Market Fund Direct Growth

5.24

Loan Against UTI Money Market Fund Direct IDCW Monthly

5.24

Loan Against UTI Floater Fund Direct IDCW Quarterly

5.04

Loan Against UTI Floater Fund Direct Growth

5.04

Loan Against UTI Liquid Direct Growth

4.88

Loan Against UTI Liquid Direct IDCW Half Yearly

4.88

Loan Against UTI Corporate Bond Fund Direct Growth

4.74

Loan Against UTI Corporate Bond Fund Direct IDCW Yearly

4.74

Loan Against UTI Quarterly Interval Fund I Direct IDCW

4.64

Loan Against UTI Quarterly Interval Fund I Direct Growth

4.64

Loan Against UTI Overnight Fund Direct Growth

4.62

Loan Against UTI Overnight Fund Direct IDCW

4.62

Loan Against UTI Annual Interval Fund II Direct Growth

4.57

Loan Against UTI Gilt Fund Direct Growth

3.68

Loan Against UTI Gilt Fund Direct IDCW Quarterly

3.68

Loan Against UTI Half Yearly Interval Fund Series 1 Direct IDCW

3.11

Loan Against UTI Monthly Interval Fund Series 1 Retail Direct IDCW Monthly

3.07

Loan Against UTI Monthly Interval Fund Series II Retail Direct IDCW Monthly

3.06

Loan Against UTI Focussed Equity Fund Series IV (1104 Days) Direct Growth

1.96

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