By Saurav Mehra UTI Mutual Fund’s official mobile application — available as “UTI Mutual Fund App” on Google Play Store and Apple App Store — provides existing UTI folio holders and new investors with a complete digital interface for portfolio management, SIP setup, transactions, account services, and statement download. As India’s oldest AMC maintaining over 11 million investors across 250+ schemes, UTI’s digital infrastructure has evolved to provide accessible self-service capabilities that reduce the need for branch visits for routine investment management.
Getting Started: Download and Initial Setup
Download: Search “UTI Mutual Fund” on Google Play Store or Apple App Store. Install the official app published by UTI Asset Management Company Ltd.
First-Time Login for Existing Folio Holders: Open the app. Tap “Login” and select “Existing Investor.” Enter your registered mobile number. An OTP is sent for verification. After OTP confirmation, link your existing folios by entering your PAN card number. Your existing UTI MF investments appear in the portfolio dashboard after successful account linking.
New Investor Registration: Tap “New Investor” on the app’s home screen. Complete the KYC process — enter PAN, Aadhaar number, and verify via UIDAI OTP. Provide bank account details for fund transfer linkage. Complete the short personal and financial profile. After KYC verification, your account is ready for investment typically within 48 hours.
App PIN or Biometric Login: After initial full-credential setup, the app allows configuring a Quick PIN or biometric authentication (fingerprint or face recognition on supported devices) for faster daily access — set under Profile → Security Settings.
Viewing Your Portfolio
The dashboard post-login displays all active UTI MF holdings — scheme name, number of units, invested value, current market value at latest NAV, and overall portfolio return. Tap on any individual scheme to see the full holding details including average purchase NAV, current NAV, unrealised gain/loss, and transaction history for that specific folio. NAVs update daily after market close.
Starting a New SIP
Step 1 — Navigate to “Invest” or “New SIP.” From the home dashboard, tap the Invest button or the SIP section in the bottom navigation.
Step 2 — Search and Select a Fund. Browse by category (Equity, Debt, Hybrid, Index) or use the search bar to find a specific scheme. Tap the fund to review NAV, expense ratio, past performance, and portfolio details.
Step 3 — Set SIP Parameters. Select SIP mode. Enter the monthly amount (minimum ₹500 for most UTI equity schemes). Choose the SIP date and start month.
Step 4 — Authorise Auto-Pay. Set up UPI autopay by entering your UPI ID and approving the mandate in your UPI app — the fastest mandate setup method. Alternatively, register a NACH bank mandate for automatic monthly debits (takes 15 to 20 days to activate).
Step 5 — Confirm and Submit. Review the SIP summary and submit. A confirmation is sent to your registered mobile and email.
Making Lump Sum Investments
Tap Invest → Select Fund → Choose “One Time” → Enter amount → Select Growth or IDCW → Choose payment method (UPI or net banking) → Confirm with OTP. Submit before 3:00 PM on a business day for same-day NAV.
Redeeming Units
Navigate to Portfolio → Select Scheme → Tap Withdraw or Redeem → Choose By Amount, By Units, or Full Redemption → Confirm with OTP. Proceeds reach your linked bank account within T+1 business day (debt and liquid funds) to T+3 business days (equity funds).
Downloading Account Statements
Navigate to Menu → Account Statement → Select statement type (Transaction, Capital Gains, or Portfolio Summary) → Choose date range → Submit. The statement is sent to your registered email as a password-protected PDF.
Modifying or Cancelling SIPs
Navigate to My SIPs in the app → Select the active SIP → Options include Pause (1 to 3 months) and Cancel. Modifying the SIP amount typically requires cancelling the existing SIP and setting up a new one at the revised amount.
Overview Table: UTI MF App Feature Guide
| Feature | Navigation | Notes |
| Portfolio View | Home Dashboard | Daily NAV-updated holdings |
| New SIP | Invest → Select Fund → SIP | Min ₹500; UPI autopay available |
| Lump Sum | Invest → Select Fund → One Time | Submit before 3 PM for same-day NAV |
| Redeem | Portfolio → Scheme → Withdraw | T+1 (debt); T+3 (equity) |
| Account Statement | Menu → Account Statement | Email as password-protected PDF |
| Modify/Cancel SIP | My SIPs → Select SIP | Pause or cancel |
| Quick PIN / Biometric | Profile → Security Settings | Faster daily login |
| KYC Check | Profile → KYC Status | View and update KYC details |
Frequently Asked Questions (FAQs)
Q1. Can I invest in direct plans through the UTI Mutual Fund app?
Yes — the app provides access to direct plans of all UTI MF schemes, eliminating distributor commission for lower expense ratios.
Q2. What is the minimum SIP investment through the UTI MF app?
₹500 per month for most UTI equity and index fund schemes. Specific scheme minimums are displayed on the scheme detail page within the app.
Q3. How do I link my existing UTI MF folios to the app?
After OTP-verified login, enter your PAN card number to link all existing UTI MF folios associated with that PAN to your app dashboard.
Q4. What should I do if the UTI MF app is not showing my existing investments?
Ensure your PAN is correctly entered during account setup. If investments from different folios are missing, contact UTI MF customer care at 1800 22 1230 or email invest@uti.co.in with your folio details.
Q5. Can I view my UTI MF portfolio without logging in with a password every time?
Yes — set up Quick PIN or biometric login under Profile → Security Settings after the first full-credential login for faster daily access.