The Power of Two Factors: Momentum and Low Volatility Strategies | UTI MF

1. Adding factors to your advantage Advantage of adding two factors i.e. Momentum and Low volatility 1

2. Asset Class and Volatility Price fluctuation is a common phenomena across asset classes, however they are most highlighted in Equities Real Estate Fixed Income Equities Commodities These fluctuations i.e. upward and downward movements in price are known as “ Volatility” 2 For illustration purpose only

3. Investment Journey – A combination of Returns and Volatility Investors Objective: To capture the market Not very comfortable with the element of volatility that comes along Government & Other Regulatory Policies momentum and generate returns in an investment portfolio But… Nifty 50 Movement in Last 3 years Nifty 50 Movement in Last 3 years Interest Rate & Inflation 23000 23000 22000 22000 21000 21000 20000 20000 19000 19000 18000 18000 17000 17000 16000 16000 15000 15000 14000 14000 Nov-23 Nov-21 Jan-22 Mar-22 Nov-22 Jan-23 Jan-24 Apr-21 May-21 May-22 Mar-23 May-23 Mar-24 Jul-21 Jul-22 Jul-23 Sep-21 Sep-22 Sep-23 Sep-21 Sep-22 Sep-23 Jul-21 Jul-22 Jul-23 Nov-21 Jan-22 Nov-22 Jan-23 Nov-23 Jan-24 Mar-24 May-21 May-22 May-23 Apr-21 Mar-22 Mar-23 Economic Variable – GDP Growth, Fiscal Deficit etc. Expectation Vs Reality 3 For illustration purpose only

4. Smart Beta or Factor Based Investing for your support 4

5. What is Smart Beta ? Smart beta defines a set of investment strategies that emphasize the use of alternative index construction rules to capitalization-based indices. traditional market Smart beta aims to capture the investment factors like momentum, volatility, quality, value etc. in a rules-based and transparent way. The philosophy of smart beta strategy is linked to a desire for portfolio risk diversification along factor dimensions, as well as seeking to enhance risk-adjusted returns above cap-weighted indices. management and 5

6. Benefit of Smart Beta Investing Simple Yet effective: Smart beta provides simple yet effective investment solution to generate returns in long term 01 Simple yet effective Performance : Factor based investments creates potential to generate returns over broad market indices 02 Performance Result-Oriented: Align results with selected factor like momentum, value, low volatility etc. Result-Oriented 03 Diversification : Smart beta’s variety of alternative index exposure with various factors offers and efficient diversification to the portfolio Diversification 04 Low Cost 05 Diversification Low Cost : Cost effective as compared to actively managed schemes 6

7. How Smart Beta strategies work ? Momentum Volatility Momentum investing broadly refers to capturing the ‘trend in movements of stock prices’ and going along with general opinion of the market Volatility investing broadly refers to capturing the relatively stable stocks with lowest volatility. The underlying belief here is that companies with low volatility have strong business fundamentals to generate economic value. The underlying belief is that the prices are true reflection of investors’ reaction to the publicly available knowledge. Outcome-Oriented Quality Value Quality investing broadly refers to capturing the quality stocks selected based on quality Value investing broadly refers to capturing the Value companies through value filters to determine the intrinsic value of the companies. Value filter includes parameters such as PE, PB, Dividend Yield, Sales to price ratio Diversification filters like ROE, Financial leverage, EPS growth etc. The underlying belief here is that quality companies at reasonable valuations have potential to outperform the broad markets 7

8. What is key to a perfect driving ? To Move and Speed the vehicle To Control the speed of vehicle and prevent crash The “Accelerator" The "Brake” 8

9. What is key to a perfect Investment Journey ? An approach to represent a momentum strategy, aiming for rapid gains, but needing careful handling during market turbulence. An approach that resembles a low volatility strategy, emphasizing stability and risk management. The "Accelerator" The "Brake” This analogy mirrors the characteristics of investment strategies: The "Brake" approach aims for stability, while The "Accelerator" strategy seeks high gains but with increased risk 9

10. Aims to add the advantage of two factors Momentum + Low Volatility Momentum Low Volatility Higher Returns Reduce Volatility Allocation to Nifty 200 Momentum 30 Index & BSE Low Volatility Index 10

11. Nifty200 Momentum 30, BSE Low Volatility & Nifty 50 TRI - Portfolio 11 11

12. Sector Diversification Sector BSE Low Vol Nifty 200 Momentum 30 Nifty 50 Financial Services 20.9 10.0 34.3 Information Technology 9.8 25.5 14.0 Healthcare 13.9 13.9 3.9 The two factors together, offers exposure to diversified Sectors . Fast Moving Consumer Goods 20.3 2.2 8.0 Automobile and Auto Components 9.6 8.2 7.6 Consumer Durables 8.6 7.7 2.4 Consumer Services 16.6 1.2 Oil, Gas & Consumable Fuels 3.2 1.0 10.4 Telecommunication 3.7 5.6 4.1 Capital Goods - 6.6 1.0 Metals & Mining - 2.8 3.3 Construction Materials 3.2 - 2.1 Construction - - 4.0 Textiles 3.7 - - Chemicals 3.1 - - Power - - 2.7 Services - - 0.8 Financial Services 20.9 10.0 34.3 12 Source : Nifty Indices Ltd as on January 31, 2025. BSE Asia Index as on January 31, 2025

13. Top 10 Stocks Nifty 200 Momentum 30 Index TRI BSE Low Volatility TRI Nifty 50 TRI Weightage (%) Weightage (%) Weightage (%) Stocks Stocks Stocks Bharti Airtel Ltd. 5.60 SUN PHARMACEUTICALS INDUSTRIES 3.95 HDFC BANK LIMITED 12.24 Mahindra & Mahindra Ltd. 5.53 ICICI BANK LTD 3.95 ICICI BANK LTD 8.38 Infosys Ltd. 5.43 BHARTI AIRTEL LTD. 3.74 RELIANCE INDUSTRIES LTD. 8.14 Tech Mahindra Ltd. 5.36 PAGE INDUSTRIES 3.73 INFOSYS LTD. 6.42 Sun Pharmaceutical Industries Ltd. 5.22 NESTLE INDIA LTD. 3.70 BHARTI AIRTEL LTD. 4.13 HCL Technologies Ltd. 5.00 KOTAK MAHINDRA BANK LTD. 3.68 TATA CONSULTANCY SERVICES LTD. 3.98 Persistent Systems Ltd. 4.65 HDFC BANK LIMITED 3.68 LARSEN & TOUBRO LTD. 3.98 Divi Laboratories Ltd. 4.63 SBI CARDS & PAYMENTS SERVICES 3.65 ITC LTD. 3.94 Dixon Technologies (India) Ltd. 4.58 HINDUSTAN UNILEVER LTD 3.60 STATE BANK OF INDIA 2.82 Trent Ltd. 4.49 MARUTI SUZUKI INDIA LTD. 3.59 AXIS BANK LTD. 2.66 13 Source : Nifty Indices Ltd and BSE Asia Index. Data as January 31, 2025

14. Performance 14 14

15. Investment Journey : Nifty200 Momentum 30, BSE Low Vol & Nifty 50 TRI Nifty 200 Momentum 30 Index TRI BSE Low Volatility TRI 40000 Parameter Nifty 50 TRI 35000 CAGR Returns % 19.0% 17.8% 13.5% Annualised Volatility % 22.7% 16.2% 21.2% 30000 Value of Rs. 1 Lac Invested 25000 29.4 24.1 11.6 20000 15000 10000 5000 0 Nifty 200 Momentum 30 Index TRI Nifty 50 TRI BSE Low Volatility TRI The Momentum 30 TRI & Low Volatility TRI has significantly outperformed the Nifty 50 TRI Source : MFI, NIFTY Indices Ltd as on January 31,2025, based on Total Returns Index. Past performance may or may not be sustained in the future and shall not be used for comparison with other investments. The figures pertain to performance of the index and do not indicate the returns/performance of the scheme. It is not possible to invest directly in Index. 15

16. Investment Journey : Momentum + Low Vol Scenarios Vs Nifty 50 TRI Scenario 1* Scenario 2* Scenario 3* Nifty 50 TRI Parameter 40000 18.6% 18.8% 18.9% CAGR Returns % 13.5% 35000 Annualised Volatility % 18.8% 19.5% 20.6% 21.2% 30000 Value of Rs. 1 Lac Invested 27.5 28.0 28.7 11.6 25000 20000 15000 10000 5000 0 Nifty 50 TRI Scenario 1 Scenario 2 Scenario 3 * Scenario 1 – 50% Nifty200 Momentum 30 Index Fund & 50% BSE Low Volatility Index Fund * Scenario 2 – 60% Nifty200 Momentum 30 Index Fund & 40% BSE Low Volatility Index Fund * Scenario 3 – 75% Nifty200 Momentum 30 Index Fund & 25% BSE Low Volatility Index Fund Source : MFI, NIFTY Indices Ltd as on January 31, 2025, based on Total Returns Index. Past performance may or may not be sustained in the future and shall not be used for comparison with other investments. The figures pertain to performance of the index and do not indicate the returns/performance of the scheme. It is not possible to invest directly in Index. 16

17. FY Performance : Nifty200 Momentum 30, BSE Low Vol & Nifty 50 TRI CAGR Returns Standard Deviation Risk Adjusted Returns Nifty 200 Momentum 30 Index TRI Nifty 200 Momentum 30 Index TRI Nifty 200 Momentum 30 Index TRI Period BSE Low Volatility TRI BSE Low Volatility TRI BSE Low Volatility TRI Nifty 50 TRI Nifty 50 TRI Nifty 50 TRI FY 2007 FY 2008 FY 2009 FY 2010 FY 2011 FY 2012 FY 2013 FY 2014 FY 2015 FY 2016 FY 2017 FY 2018 FY 2019 FY 2020 FY 2021 FY 2022 FY 2023 FY 2024 FYTD^ 4.71% 40.90% -34.91% 62.90% 14.06% -0.26% 16.44% 21.38% 60.18% -4.38% 40.17% 21.58% 11.57% -16.42% 62.39% 37.73% -9.19% 69.97% -3.24% 7.00% 25.07% -25.77% 85.56% 13.46% 4.14% 14.04% 23.22% 42.65% 3.32% 18.38% 15.84% 11.09% -12.44% 58.63% 7.51% 8.28% 43.86% 2.89% 14.32% 25.12% -35.44% 75.29% 12.36% -8.18% 8.72% 19.47% 28.17% -7.82% 20.16% 11.76% 16.45% -25.02% 72.54% 20.26% 0.59% 30.08% 6.48% 0.15 0.97 -0.90 2.79 0.77 -0.02 1.52 1.27 3.60 -0.21 2.45 1.49 0.82 -0.63 2.91 1.77 -0.49 4.95 -0.14 0.27 0.97 -0.93 4.09 1.11 0.31 1.54 1.74 3.75 0.23 1.65 2.00 0.98 -0.61 3.75 0.62 0.71 4.93 0.25 0.51 0.79 -0.85 2.47 0.70 -0.40 0.68 1.08 2.07 -0.46 1.63 1.18 1.33 -0.93 3.23 1.29 0.04 3.09 0.45 30.64% 42.09% 38.80% 22.52% 18.17% 15.82% 10.79% 16.88% 16.70% 20.81% 16.39% 14.51% 14.14% 26.20% 21.42% 21.37% 18.61% 14.14% 23.17% 25.78% 25.72% 27.58% 20.93% 12.12% 13.44% 9.11% 13.36% 11.36% 14.48% 11.16% 7.92% 11.37% 20.43% 15.63% 12.19% 11.61% 8.89% 11.42% 27.95% 31.87% 41.80% 30.50% 17.69% 20.45% 12.90% 18.04% 13.63% 17.13% 12.39% 9.93% 12.36% 26.98% 22.43% 15.73% 14.66% 9.75% 14.38% Source : MFI Explorer as on January 31, 2025 based on Total Returns Index. Past performance does not guarantee future performance of the scheme. * Since September 16, 2006, ^FYTD as on January 31, 2025. 17

18. FY Performance : Momentum + Low Vol Scenarios Vs Nifty 50 TRI CAGR Returns Standard Deviation Risk Adjusted Returns Period Scenario 1 Scenario 2 Scenario 3 Nifty 50 TRI Scenario 1 Scenario 2 Scenario 3 Nifty 50 TRI Scenario 1 Scenario 2 Scenario 3 Nifty 50 TRI FY 2007 FY 2008 FY 2009 FY 2010 FY 2011 FY 2012 FY 2013 FY 2014 FY 2015 FY 2016 FY 2017 FY 2018 FY 2019 FY 2020 FY 2021 FY 2022 FY 2023 FY 2024 FYTD^ 5.85% 32.98% -30.34% 74.23% 13.76% 1.94% 15.24% 22.30% 51.41% -0.53% 29.28% 18.71% 11.33% -14.43% 60.51% 22.62% -0.45% 56.91% -0.17% 5.63% 34.57% -31.25% 71.97% 13.82% 1.50% 15.48% 22.11% 53.17% -1.30% 31.46% 19.28% 11.38% -14.83% 60.88% 25.65% -2.20% 59.52% -0.79% 5.28% 36.94% -32.62% 68.57% 13.91% 0.84% 15.84% 21.84% 55.79% -2.46% 34.72% 20.14% 11.45% -15.43% 61.45% 30.18% -4.82% 63.44% -1.71% 14.32% 25.12% -35.44% 75.29% 12.36% -8.18% 8.72% 19.47% 28.17% -7.82% 20.16% 11.76% 16.45% -25.02% 72.54% 20.26% 0.59% 30.08% 6.48% 27.95% 31.87% 41.80% 30.50% 17.69% 20.45% 12.90% 18.04% 13.63% 17.13% 12.39% 9.93% 12.36% 26.98% 22.43% 15.73% 14.66% 9.75% 14.38% 0.21 0.99 -0.94 3.48 0.94 0.14 1.59 1.52 3.86 -0.03 2.20 1.77 0.92 -0.63 3.37 1.44 -0.03 5.32 -0.01 0.20 0.99 -0.94 3.35 0.91 0.10 1.59 1.47 3.82 -0.07 2.27 1.71 0.90 -0.63 3.28 1.53 -0.15 5.27 -0.04 0.18 0.98 -0.92 3.14 0.85 0.06 1.57 1.39 3.75 -0.13 2.35 1.62 0.87 -0.63 3.14 1.64 -0.30 5.16 -0.09 0.51 0.79 -0.85 2.47 0.70 -0.40 0.68 1.08 2.07 -0.46 1.63 1.18 1.33 -0.93 3.23 1.29 0.04 3.09 0.45 28.01% 33.18% 32.17% 21.30% 14.60% 14.29% 9.57% 14.69% 13.31% 17.24% 13.31% 10.57% 12.32% 23.03% 17.95% 15.74% 14.30% 10.71% 16.20% 28.50% 34.88% 33.37% 21.48% 15.24% 14.55% 9.76% 15.07% 13.90% 17.91% 13.87% 11.29% 12.63% 23.63% 18.57% 16.76% 15.07% 11.30% 17.49% 29.28% 37.51% 35.30% 21.81% 16.28% 14.98% 10.10% 15.70% 14.88% 18.95% 14.77% 12.45% 13.14% 24.56% 19.58% 18.40% 16.32% 12.29% 19.54% Source : MFI Explorer as on January 31, 2025 based on Total Returns Index. Past performance does not guarantee future performance of the scheme. * Since September 16, 2006, ^FYTD as on January 31, 2025. 18

19. Strategies behave differently across Market Events 100% 70% 73% 77% 80% 71% 63% 19% 51% 60% 48% 42% 24% 21% 33% 40% 31% 12% 13% 17% 15% 14% 14% 11% 11% 20% 11% 10% 6% 0% -5% -4% -8% -9% -20% -12% -15% -23% -33% -15% -17% -28% -40% -37% -39% -60% -52% -58% -80% E1 E2 E3 E4 E5 E6 E7 E8 E9 E10 E11 E12 E13 Nifty 200 Momentum 30 Index TRI Nifty 50 TRI BSE Low Volatility TRI E7 E8 E9 E10 E11 E12 E13 LTCG on Equities Demonestisation and GST implementation Covid-19 Pandemic Post Covid Recovery Geo- Political Tension Rising Interest Rates Rally after Interest Peak 31/01/2018 28/03/2018 07/02/2020 23/03/2020 18/01/2022 17/06/2022 28/02/2023 28/03/2018 07/02/2020 23/03/2020 18/01/2022 17/06/2022 28/02/2023 31/01/2025 E1 E2 E3 E4 E5 E6 Global Financial Crisis Post Crisis Recovery Eurozone Debt Crisis Policy Paralysis Oil Price Correction Global Growth Stabilisation 10/01/2008 09/03/2009 09/11/2010 30/01/2012 30/08/2013 31/03/2015 09/03/2009 09/11/2010 30/01/2012 30/08/2013 31/03/2015 31/01/2018 19 Source : MFI ,NSE Indices Ltd. Past performance may or may not be sustained in the future.

20. Current Performance RETURNS % STANDARD DEVIATION (%) RISK ADJUSTED RETURNS PERIOD Nifty 200 Momentum 30 Index TRI Nifty 200 Momentum 30 Index TRI BSE Low Volatility TRI BSE Low Volatility TRI Nifty 200 Momentum 30 Index TRI BSE Low Volatility TRI Nifty 50 TRI Nifty 50 TRI Nifty 50 TRI 1 Year 2.87% 9.58% 6.95% 22.75% 13.78% 11.45% 0.13 0.69 0.61 3 Years 15.17% 12.01% 15.96% 19.46% 13.85% 11.33% 0.78 0.87 1.41 21.27% 15.80% 17.75% 22.07% 18.95% 14.39% 0.96 0.83 1.23 5 Years 16.77% 12.79% 14.34% 20.27% 17.58% 13.58% 0.83 0.73 1.06 7 Years 17.78% 11.67% 14.19% 19.50% 16.46% 13.01% 0.91 0.71 1.09 10 Years 19.05% 13.49% 17.83% 22.69% 21.24% 16.18% 0.84 0.64 1.10 Since Inception Data From Since Inception September 16, 2005 to January 31,2025. TRI i.e.'Total Return Index’ consider reinvestment of dividends issued by companies forming part of Index. Source: MFI Explorer & Asia Index Pvt. Ltd. Returns are CAGR. Standard Deviation is based on the daily returns for the respective period. Past performance does not guarantee future performance of the scheme 20

21. Current Performance – Momentum + Low Vol Scenarios Vs Nifty 50 TRI RISK ADJUSTED RETURNS STANDARD DEVIATION (%) RETURNS % PERIOD Nifty 50 TRI Nifty 50 TRI Scenario 1 Nifty 50 TRI Scenario 1 Scenario 2 Scenario 1 Scenario 2 Scenario 2 Scenario 3 Scenario 3 Scenario 3 5.26% 4.83% 4.15% 9.58% 16.02% 17.26% 19.24% 13.78% 0.33 0.28 0.22 0.69 1 Year 15.81% 15.72% 15.55% 12.01% 14.52% 15.41% 16.85% 13.85% 1.09 1.02 0.92 0.87 3 Years 19.76% 20.10% 20.58% 15.80% 17.43% 18.26% 19.61% 18.95% 1.13 1.10 1.05 0.83 5 Years 15.75% 15.99% 16.31% 12.79% 16.20% 16.93% 18.11% 17.58% 0.97 0.94 0.90 0.73 7 Years 16.15% 16.51% 17.01% 11.67% 15.60% 16.30% 17.43% 16.46% 1.04 1.01 0.98 0.71 10 Years 18.64% 18.75% 18.89% 13.49% 18.83% 19.52% 20.64% 21.24% 0.99 0.96 0.92 0.64 Since Inception * Scenario 1 – 50% Nifty200 Momentum 30 Index Fund & 50% BSE Low Volatility Index Fund * Scenario 2 – 60% Nifty200 Momentum 30 Index Fund & 40% BSE Low Volatility Index Fund * Scenario 3 – 75% Nifty200 Momentum 30 Index Fund & 25% BSE Low Volatility Index Fund Data From Since Inception September 16, 2005 to January 31, 2025. TRI i.e., 'Total Return Index’ consider reinvestment of dividends issued by companies forming part of Index. Source: MFI Explorer & Asia Index Pvt. Ltd. Returns are CAGR. Standard Deviation is based on the daily returns for the respective period. Past performance does not guarantee future performance of the scheme 21

22. Monthly Return Distribution : When compared with Broad Market Parameters Nifty 200 Momentum 30 Index TRI BSE Low Volatility TRI Nifty 50 TRI Number of months Months delivering +ve returns Average Return of Nifty200 Momentum 30 Index TRI & BSE Low Volatility, when Nifty 50 delivered +ve returns Up-capture vs respective index 232 64% 232 65% 232 61% 5.13% 4.24% 4.72% 109% 90% - Months delivering -ve returns 36% 35% 39% Average Return of Nifty200 Momentum 30 Index TRI & BSE Low Volatility, when Nifty 50 delivered -ve returns Down-capture vs respective index -3.64% -2.74% -4.14% 88% 66% - 60% 40% 20% 0% -20% -40% -60% -80% Nifty 200 Momentum 30 Index TRI BSE Low Volatility TRI Nifty 50 TRI 22 Source : Nifty Indices Ltd and BSE Asia Index. Data as January 31, 2025

23. Rolling return analysis - Limiting Risk not Returns 3 Years Rolling Returns 40 35 30 25 20 15 10 5 0 -5 -10 -15 Sep-08 Sep-09 Aug-10 Aug-11 Jul-12 Jul-13 Jun-14 Jun-15 May-16 May-17 Apr-18 Apr-19 Mar-20 Mar-21 Mar-22 Feb-23 Feb-24 Jan-25 Nifty 200 Momentum 30 Index TRI Nifty 50 TRI BSE Low Volatility TRI Scenario 1 Scenario 2 Scenario 3 Nifty 200 Momentum 30 BSE Low Volatility Scenario 1 Scenario 2 Scenario 3 4056 4056 4056 4056 4056 Total Number of Observations 85.5% 7.25 -2.00 83.5% 5.84 -1.64 95.4% 5.58 -1.27 94.8% 5.75 -1.13 92.2% 6.17 -1.30 % of Outperformance over Nifty 50 Average of Outperfmance over Nifty 50 Average of Underperformance over Nifty 50 Source: MFI Explorer. Rolling Returns with daily frequency of indices as mentioned above on 3 and 5 years period respectively. CAGR – Compounded Annual Growth Rate. Data period: April 10, 2005 to January 31,2025. Past performance may or may not be sustained in future. Past performance may or may not be sustained in the future and shall not be used for comparison with other investments. The figures pertain to performance of the index and do not indicate the returns/performance of the scheme. It is not possible to invest directly in Index 23

24. Rolling return analysis - Limiting Risk not Returns 5 Years Rolling Returns 35 30 25 20 15 10 5 0 -5 Sep-10 Aug-11 Jul-12 May-13 Apr-14 Mar-15 Jan-16 Dec-16 Nov-17 Oct-18 Aug-19 Jul-20 Jun-21 May-22 Mar-23 Feb-24 Jan-25 Nifty 200 Momentum 30 Index TRI Nifty 50 TRI BSE Low Volatility TRI Scenario 1 Scenario 2 Scenario 3 Nifty 200 Momentum 30 BSE Low Volatility Scenario 1 Scenario 2 Scenario 3 3567 3567 3567 3567 3567 Total Number of Observations' 95.6% 6.71 -0.79 90.2% 5.39 -0.39 99.7% 5.62 -0.09 99.8% 5.77 -0.08 100% 6.00 - % of Outperformance over Nifty 50 Average of Outperfmance over Nifty 50 Average of Underperformance over Nifty 50 Source: MFI Explorer. Rolling Returns with daily frequency of indices as mentioned above on 3 and 5 years period respectively. CAGR – Compounded Annual Growth Rate. Data period: April 10, 2005 to January 31,2025. Past performance may or may not be sustained in future. Past performance may or may not be sustained in the future and shall not be used for comparison with other investments. The figures pertain to performance of the index and do not indicate the returns/performance of the scheme. It is not possible to invest directly in Index 24

25. Why Add Momentum & Low Volatility factor to your portfolio Diversified Portfolio of High Momentum and stable companies within the Large and Midcap segment The underlying Funds shall follow a passive strategy by investing into the constituents of Nifty 200 Momentum 30 Index & BSE Low Volatility Index respectively. ▪ Focused and Disciplined A diversified portfolio of business that are expected to deliver long term growth with reasonable volatility ▪ Suitable for: Investors looking to take exposure in relatively stable companies within the universe of BSE Large Midcap Index while investing • in high momentum and relatively stable businesses that generate economic value Investors looking for a passive fund which brings disciplined approach to the portfolio construction, while adhering to the • defined selection process 25

26. How to invest ? Investors as per their return expectation and risk profile may consider investment in a combination of UTI Nifty200 Momentum 30 Index Fund and UTI BSE Low Volatility Index Fund UTI Nifty200 Momentum 30 Index Fund Lump sum Investment ₹1,00,000* UTI BSE Low Volatility Index Fund UTI Nifty200 Momentum 30 Index Fund SIP Investment ₹5,000* UTI BSE Low Volatility Index Fund Please note that investor has to make two separate application in the respective schemes. The data given is for understanding of investment in these two separate schemes . Investor can invest any amount and in any scheme. investor could individually choose amount of investments under each scheme as per his choice/ need. There is no automatic system driven allocation of funds among the set of schemes. Investment in each scheme is a separate investment and there is no linkage of any kind between the schemes for a given investor. Each investment is treated separately. *The amount in the respective schemes may be selected based on individual’s risk appetite. 100000/5000 is for illustration purpose only. 26

27. Key Stats : About the Schemes Scheme Name UTI Nifty200 Momentum 30 Index Fund UTI BSE Low Volatility Index Fund An Open-ended scheme replicating/tracking Nifty200 Momentum 30 Index An Open-ended scheme replicating/tracking BSE Low Volatility Index TRI Type of scheme NIFTY 200 Momentum 30 TRI BSE Low Volatility TRI Benchmark Regular Plan and Direct Plan – Both Plan offers Growth Option Only Regular Plan and Direct Plan – Both Plan offers Growth Option Only Plans & Options Entry and Exit Load Nil Nil Minimum initial investment is Rs. 1,000/- and in multiples of Rs. 1/- thereafter. Subsequent minimum investment under a folio is Rs.1,000/- and in multiples of Rs. 1/- thereafter with no upper limit. Minimum initial investment is Rs. 1,000/- and in multiples of Rs. 1/- thereafter. Subsequent minimum investment under a folio is Rs.1,000/- and in multiples of Rs. 1/- thereafter with no upper limit. Minimum Application Amount Direct – 0.43 Regular – 0.92 Direct – 0.45 Regular – 0.91 Expense Ratio* 27 * As on January 31, 2025.

28. Product Label UTI Nifty200 Momentum 30 Index Fund (An open-ended scheme replicating/tracking the Nifty200 Momentum 30 Index) Scheme : UTI Nifty200 Momentum 30 Index Fund Benchmark : Nifty200 Momentum 30 Total Return Index (TRI)# This product is suitable for investors who are seeking*: Capital growth in tune with the index returns Passive investment in equity instruments comprised in Nifty200 Momentum 30 Index • • UTI BSE Low Volatility Index Fund (An open-ended scheme replicating/tracking BSE Low Volatility Total Return Index(TRI)) Scheme : UTI BSE Low Volatility Index Fund Benchmark : BSE Low Volatility TRI# This product is suitable for investors who are seeking*: Capital growth in tune with the index returns Passive investment in equity instruments comprised in BSE Low Volatility Index • • Risk-o-meter for the fund is based on the portfolio ending January 31, 2025. The Risk-o-meter of the fund/s is/are evaluated on monthly basis and any changes to Risk-o-meter are disclosed vide addendum on monthly basis, to view the latest addendum on Risk-o-meter, please visit addenda section on https://utimf.com/forms-and-downloads/ # Based on the Index Composition as on January 31, 2025. 28 * Investors should consult their financial advisers if in doubt about whether the product is suitable for them.

29. Disclaimer REGISTERED OFFICE: UTI Tower, ‘GN’ Block, Bandra Kurla Complex, Bandra (E), Mumbai - 400051. Phone: 022 – 66786666. UTI Asset Management Company Ltd (Investment Manager for UTI Mutual Fund) Email: invest@uti.co.in. (CIN-L65991MH2002PLC137867). For more information, please contact the nearest UTI Financial Centre or your AMFI/NISM certified UTI Mutual Fund Independent Financial Advisor (IFA) for a copy of the Statement of Additional Information, Scheme Information Document, and Key Information Memorandum cum Application Form. Disclaimers: The information on this document is provided for information purposes only. It does not constitute any offer, recommendation, or solicitation to any person to enter into any transaction or adopt any hedging, trading, or investment strategy, nor does it constitute any prediction of likely future movements in rates or prices or any representation that any such future movements will not exceed those shown in any illustration. Users of this document should seek advice regarding the appropriateness of investing in any securities, financial instruments, or investment strategies referred to in this document and should understand that statements regarding future prospects may not be realized. The recipient of this material is solely responsible for any action taken based on this material. Opinions, projections, and estimates are subject to change without notice. UTI AMC Ltd is not an investment adviser and is not purporting to provide you with investment, legal, or tax advice. UTI AMC Ltd or UTI Mutual Fund (acting through UTI Trustee Company Pvt. Ltd) accepts no liability and will not be liable for any loss or damage arising directly or indirectly (including special, incidental, or consequential loss or damage) from your use of this document, howsoever arising, and including any loss, damage or expense arising from, but not limited to, any defect, error, imperfection, fault, mistake or inaccuracy with this document, its contents or associated services, or due to any unavailability of the document or any part thereof or any contents or associated services. The fund Strategy shown is subject to change with respect to peer-set and benchmark. Limits mentioned are internal prudential norms. For asset allocation and related details, please refer to the Scheme Information Document of the respective schemes. All complaints, regarding UTI Mutual Fund can be directed towards service@uti.co.in and for any unsatisfactory or lack of response visit https://scores.sebi.gov.in (SEBI SCORES portal) and /or visit https :://smartodr in/in/(Online Dispute Resolution Portal) Mutual Fund Investments are subject to market risks, read all scheme related documents carefully. 29