You've probably typed "Unit Trust of India stock price" into a search bar lately and felt a bit like you were chasing a ghost. Honestly, it's a common trap. If you're looking for a ticker that literally says "Unit Trust of India," you aren't going to find one. That entity, the legendary UTI that basically invented mutual funds in India back in 1963, doesn't exist as a single traded stock anymore.
Instead, what you're actually looking for is UTI Asset Management Company Ltd (UTIAMC).
The old UTI was split up years ago. Today, when people talk about the "UTI stock," they mean the AMC that's listed on the NSE and BSE. As of January 16, 2026, the stock is hovering around ₹1,092.10. It’s been a bit of a rollercoaster. Just today, it dipped about 2.08%. If you’ve been holding this for a year, you’re likely feeling the sting of a 14.6% drop over the last twelve months.
The Identity Crisis: What Really Happened to UTI?
To understand the price today, you have to look at the mess of the early 2000s. The original Unit Trust of India wasn't a company; it was a statutory body. It had a monopoly. Everyone and their uncle owned "US-64" units. But when that scheme ran into a massive liquidity crisis in 2001, the government had to step in and perform major surgery.
They bifurcated the giant.
One half became SUUTI (Specified Undertaking of the Unit Trust of India), which took the "troubled" assets and a bunch of high-value corporate stakes. The other half became the UTI Mutual Fund, managed by the UTI Asset Management Company.
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That's the business you can actually buy shares in today. It’s backed by heavyweights like State Bank of India, LIC, and Bank of Baroda. So, when you track the unit trust of india stock price, you are tracking a modern, SEBI-regulated asset manager, not the government-run entity of the 60s.
Breaking Down the Numbers: Is It Undervalued?
The market hasn't been particularly kind to UTIAMC lately. Its 52-week high was ₹1,494.80, which feels like a distant memory compared to the current thousand-buck range.
But here’s the thing. While the price action looks bearish—with the stock trading below its 200-day moving average of ₹1,223.71—the fundamentals are doing some interesting things.
- P/E Ratio: It’s sitting at roughly 23.4, which is actually lower than the industry average of nearly 29.
- Dividend Yield: This is the "kinda" bright spot. At 4.56%, it’s a high-yielder for the sector.
- Debt: The company is basically debt-free.
Most analysts, like the folks at Motilal Oswal, still have a "Buy" rating on it, often peering toward targets in the ₹1,380 to ₹1,450 range. They see the gap between the current price and the "fair value" (estimated by some models around ₹1,256) as a margin of safety.
Recent Performance Snapshot (January 2026)
| Date | Close Price (₹) | Change (%) |
|---|---|---|
| Jan 14, 2026 | 1,076.20 | -0.31% |
| Jan 12, 2026 | 1,061.60 | -1.25% |
| Jan 05, 2026 | 1,138.70 | +0.98% |
| Jan 01, 2026 | 1,115.30 | -1.27% |
It’s choppy. No other way to put it. The stock is currently in a "sideways" trend, according to technical experts. It’s waiting for a catalyst.
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Why the Unit Trust of India Stock Price Still Matters
You might wonder why we still care about an "old" name. It's about the footprint. UTI AMC manages a massive chunk of India's retirement money. It has one of the deepest reaches into rural and semi-urban India.
While the "new age" AMCs are fighting over urban millennials, UTI is often the default choice for the traditional Indian household. Their SIP (Systematic Investment Plan) AUM recently grew to over ₹42,000 crore. That is sticky, reliable revenue.
The upcoming January 21, 2026, Board Meeting for quarterly results is the next big milestone. If they beat earnings expectations—something they've struggled with recently, missing EPS targets by about 10-13% in previous cycles—we could see a sharp reversal.
What Most People Get Wrong
The biggest mistake? Comparing UTIAMC to HDFC AMC or ICICI Prudential and expecting the same growth curve.
UTI is a different beast. It’s a value play, not a high-flying growth stock. It has a lower Return on Equity (ROE) of around 13-17% compared to the 30%+ you see at HDFC. But you're also paying a much lower premium for those earnings.
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Also, watch the shareholding pattern. There are no "promoters" in the traditional sense. It's owned by other financial institutions. Sometimes, this leads to talk about "stake sales" or "mergers," which can cause sudden spikes in the unit trust of india stock price based on pure speculation.
Actionable Insights for Investors
If you're looking at this stock, don't just stare at the daily ticker. That's a recipe for a headache.
- Check the NAV Growth: Since UTI AMC makes money from fees, its stock price is a slave to its Assets Under Management. If the stock market in India is booming but UTI's AUM is stagnant, the stock won't move.
- Monitor the January 21 Results: Look specifically at the "Core PAT." Last quarter, it was around ₹107 crore. You want to see that number climbing without the help of "Other Income."
- Watch the 50-DMA: The 50-day moving average is around ₹1,137. Until the stock price breaks and stays above that level, the "bearish" tag is going to stick.
- Dividend Reinvestment: Given the 4%+ yield, if you aren't using those dividends to buy more units or shares, you're missing the primary reason most people hold this stock.
Buying into the unit trust of india stock price right now is a bet on the "normalization" of the AMC sector. You're buying a legacy brand at a discount, hoping the market eventually rewards its massive distribution network. Just don't expect it to double overnight. This is a slow burn.
If you’re tracking this for a long-term portfolio, keep an eye on the digital transaction growth. It jumped 18% recently, which shows the "old dog" is finally learning some new tech tricks. That’s where the future value lies.