UTI - Money Market Fund
UTI Mutual Fund · Money Market · Regular plan, growth option
NAV (₹), 1 Oct 2026
3,341.2711
1-day change
0.03%
1Y return
6.4%
3Y CAGR
7.3%
5Y CAGR
6.7%
Max drawdown, 5Y
−0.2%
NAV history month-end NAV, ₹ · 13 Jul 2009 to 1 Oct 2026
Returns vs Money Market median (30 schemes)
| Period | Scheme | Category median |
|---|---|---|
| 1 month | 0.5% | 0.5% |
| 3 months | 1.6% | 1.5% |
| 6 months | 3.6% | 3.5% |
| Year to date | 4.9% | 4.8% |
| 1 year | 6.4% | 6.3% |
| 3 years (CAGR) | 7.3% | 7.0% |
| 5 years (CAGR) | 6.7% | 6.3% |
| 7 years (CAGR) | 6.3% | 5.9% |
| 10 years (CAGR) | 6.6% | 6.6% |
| Since first NAV (CAGR) | 7.3% | – |
Rolling returns every business-day start date
| Measure | Scheme | Category median |
|---|---|---|
| 1Y rolling median | 7.7% | 6.9% |
| 3Y rolling median | 7.6% | 6.8% |
| 3Y rolling worst | 4.8% | 4.5% |
| 3Y periods positive | 100% | 100% |
| 3Y periods ahead of benchmark | n/a | n/a |
| 5Y rolling median | 7.8% | 6.3% |
| 5Y rolling worst | 5.9% | 5.4% |
| 5Y periods ahead of benchmark | n/a | n/a |
Benchmark: none available in MFIC's free data for this category.
Risk 36 months, monthly returns, Rf 6.5%
| Measure | Scheme | Category median |
|---|---|---|
| Standard deviation (ann.) | 0.6% | 0.6% |
| Sharpe ratio | 0.94 | 0.58 |
| Sortino ratio | 1.52 | 0.85 |
| Beta | n/a | n/a |
| Alpha (ann.) | n/a | n/a |
| Upside capture | n/a | n/a |
| Downside capture | n/a | n/a |
Drawdowns peak-to-trough falls in NAV
| Measure | Scheme | Category median |
|---|---|---|
| Maximum drawdown, full history | −0.8% | −0.8% |
| Maximum drawdown, last 10Y | −0.8% | −1.2% |
| Maximum drawdown, last 5Y | −0.2% | −0.2% |
| Current drawdown | 0.0% | 0.0% |
| Recovery time of worst fall | n/a | – |
Longer histories include more crises, so compare the 5Y and 10Y figures across schemes of different ages.
Direct or Regular for this scheme?
The Regular plan's expense ratio is 0.29% a year and the Direct plan's 0.17%, a gap of 0.12%; over the last 3 years the Direct plan returned 0.09 percentage points a year more. On a ₹25,000 monthly SIP for 20 years (illustration at 12% a year before costs) the gap adds up to about ₹3,23,629.
With the Regular plan, that cost pays a distributor to help you plan, choose and review funds, and stay invested when markets fall. Whether it is worth it depends on how much of that you will do yourself.
TER: AMFI TER disclosure. Returns: AMFI NAVs. Illustration, not a guaranteed saving or return.
Recent disclosure changes last 120 days, as disclosed via AMFI
- 1 Oct 2026: TER increased from 0.24% to 0.29% (AMFI TER disclosure)
Fund managers and scheme facts Scheme Summary Document via AMFI
| Fund manager | Role | Managing since |
|---|---|---|
| Anurag Mittal | n/a | |
| Amit Sharma | n/a | |
| Not Applicable | n/a | |
| Not Applicable | n/a |
Objective: The investment objective of the scheme is to generate reasonable income with high level of liquidity by investing in a portfolio of money market instruments. However, there can be no assurance that the investment objective of the Scheme will be achieved. The Scheme does not guarantee / indicate any returns.
Stated asset allocation: Money market instruments (including Triparty Repos on Government Securities or treasury bill & Repo) : 0% - 100%
Benchmark (tier 1): CRISIL Money Market A-I Index
Minimum application: Regular Plan-Quarterly Reinvestment of IDCW- Rs.20000, Regular Plan-Quarterly Payout of IDCW- Rs.20000, Regular Plan-Monthly Reinvestment of IDCW- Rs.20000, Regular Plan-Monthly Payout of IDCW- Rs.20000, Regular Plan-Weekly Reinvestment of IDCW- Rs.20000, Regular Plan-Weekly Payout of IDCW- Rs.20000, Regular Plan-Growth- Rs.500, Regular Plan-Daily Reinvestment of IDCW- Rs.20000, Regular Plan-Half-yearly Reinvestment of IDCW- Rs.20000, Regular Plan-Half-yearly Payout of IDCW- Rs.20000, Regular Plan-Fortnightly Reinvestment of IDCW- Rs.20000, Regular Plan-Fortnightly Payout of IDCW- Rs.20000, Regular Plan-Flexi Reinvestment of IDCW- Rs.20000, Regular Plan-Flexi Payout of IDCW- Rs.20000, Direct Plan-Flexi Reinvestment of IDCW- Rs.20000, Direct Plan-Flexi Payout of IDCW- Rs.20000, Direct Plan-Annual Reinvestment of IDCW- Rs.20000, Direct Plan-Annual Payout of IDCW- Rs.20000, Direct Plan-Half-yearly Reinvestment of IDCW- Rs.20000, Direct Plan-Half-yearly Payout of IDCW- Rs.20000, Direct Plan-Quarterly Reinvestment of IDCW- Rs.20000, Direct Plan-Quarterly Payout of IDCW- Rs.20000, Direct Plan-Fortnightly Reinvestment of IDCW- Rs.20000, Direct Plan-Fortnightly Payout of IDCW- Rs.20000, Direct Plan-Monthly Reinvestment of IDCW- Rs.20000, Direct Plan-Monthly Payout of IDCW- Rs.20000, Direct Plan-Weekly Reinvestment of IDCW- Rs.20000, Direct Plan-Weekly Payout of IDCW- Rs.20000, Direct Plan-Growth- Rs.500, Direct Plan-Daily Reinvestment of IDCW- Rs.20000, Regular Plan-Annual Reinvestment of IDCW- Rs.20000, Regular Plan-Annual Payout of IDCW- Rs.20000,
Allotment date: 23 Apr 1997
Documents: Scheme Information Document · Scheme Summary Document. Read the scheme documents before investing.
Cost, size and riskometer as disclosed to AMFI
| Measure | Scheme | Category median |
|---|---|---|
| Expense ratio (TER), Regular plan | 0.29% | 0.40% |
| AUM, whole scheme (₹ crore) | 16,039 | 4,321 |
| Riskometer | Moderate | – |
TER: AMFI, TER of MF Schemes. AUM and riskometer: AMFI, Fund Performance, 30 Sep 2026.
Official benchmark and category consistency
| Measure | Scheme | Benchmark / category |
|---|---|---|
| Return, 1 year (AMFI) | 6.4% | 6.1% TRI |
| Return, 3 years (AMFI) | 7.3% | 6.9% TRI |
| Return, 5 years (AMFI) | 6.7% | 6.4% TRI |
| Month-ends above category median (3Y CAGR) | 94% | 27% median |
| Month-ends in category top quartile (3Y) | 49% | 3% median |
| 7Y rolling CAGR, median (monthly windows) | 7.0% | 6.5% median |
Official benchmark: CRISIL Money Market A-I Index (total return index, as published by AMFI). Category consistency: last 10 years of month-ends, Money Market Regular plans; how it is calculated.
Calendar-year returns NAV change from 31 Dec to 31 Dec
| Year | Scheme | Benchmark | Difference |
|---|---|---|---|
| 2026 YTD | 4.9% | n/a | – |
| 2025 | 7.5% | n/a | – |
| 2024 | 7.7% | n/a | – |
| 2023 | 7.4% | n/a | – |
| 2022 | 4.9% | n/a | – |
| 2021 | 3.7% | n/a | – |
| 2020 | 6.0% | n/a | – |
| 2019 | 8.0% | n/a | – |
| 2018 | 7.8% | n/a | – |
| 2017 | 6.7% | n/a | – |
No free benchmark proxy for this category. The first year starts from the first 31 December in the scheme's history.
Monthly SIP of ₹10,000 first business day of each month, ending 1 Oct 2026
| Period | Invested | Value | XIRR |
|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1,24,324 | 6.7% |
| 3 years | ₹3,60,000 | ₹4,00,576 | 7.1% |
| 5 years | ₹6,00,000 | ₹7,17,570 | 7.1% |
| 10 years | ₹12,00,000 | ₹16,85,019 | 6.6% |
Uses this plan's NAVs; ignores stamp duty, exit loads and taxes. One historical path only — the interactive SIP analyzer shows outcomes across every start date.
Scheme facts
AMC: UTI Mutual Fund
Category: Money Market
Plan / option: Regular · Growth
AMFI scheme code: 112077
ISIN: INF789F01PX8
First NAV in MFIC data: 13 Jul 2009
History: 17.2 years
Portfolio holdings: see the scheme's monthly portfolio disclosure on the fund house website
Schemes that behaved similarly correlation of monthly returns, last 5 years
| Scheme | Category | Correlation | 3Y CAGR |
|---|---|---|---|
| Nippon India Money Market Fund | Money Market | 1.00 | 7.3% |
| Kotak Money Market Fund | Money Market | 1.00 | 7.2% |
| HDFC Money Market Fund | Money Market | 1.00 | 7.2% |
| ICICI Prudential Money Market Fund - Cash Option | Money Market | 1.00 | 7.3% |
| Bajaj Finserv Money Market Fund | Money Market | 1.00 | 6.7% |
| Axis Money Market Fund | Money Market | 0.99 | 7.3% |
Questions about UTI - Money Market Fund
- What is the latest NAV of UTI - Money Market Fund?
- The NAV of the Regular plan (growth option) was ₹3,341.2711 on 1 Oct 2026, as published by AMFI.
- Which category is UTI - Money Market Fund in?
- It is classified as Money Market in AMFI's daily NAV file. MFIC compares it with 30 Money Market schemes (Regular plans).
- What returns has UTI - Money Market Fund delivered?
- Over one year the NAV changed by 6.4%. The 3-year CAGR is 7.3% (category median 7.0%) and the 5-year CAGR is 6.7% (category median 6.3%). Returns are after expenses and before tax. Past performance may or may not be sustained in future.
- How consistent have its 3-year returns been?
- Measuring a 3-year CAGR from every business day in its history, the median was 7.6%, the lowest was 4.8%, and 100% of 3-year periods ended with a gain.
- What was the largest fall in UTI - Money Market Fund's NAV?
- The largest peak-to-trough fall in its available history was 0.8%; within the last five years it was 0.2% (category median 0.2%).
- How volatile is UTI - Money Market Fund?
- Its annualised standard deviation of monthly returns over the last 36 months is 0.6%, which is above the Money Market category median of 0.6%.
- What would a monthly SIP in UTI - Money Market Fund have grown to?
- A SIP of ₹10,000 on the first business day of each month for the last 5 years (60 instalments, ₹6,00,000 invested) would have been worth about ₹7,17,570 on 1 Oct 2026, an annualised return (XIRR) of 7.1%. This uses the Regular plan's NAVs, ignores taxes and exit loads, and past performance may or may not be sustained in future.
- What is the expense ratio (TER) of UTI - Money Market Fund?
- The total expense ratio of the Regular plan is 0.29% a year, as disclosed to AMFI (median of Money Market Regular plans: 0.40%). It is already deducted from the NAV, so every return shown is after expenses.
- How large is UTI - Money Market Fund?
- Assets under management of the whole scheme were ₹16,039 crore on 30 Sep 2026, as published by AMFI.
- What is the riskometer level of UTI - Money Market Fund?
- AMFI lists the scheme's riskometer as “Moderate”, and its benchmark's as “Low to Moderate”. The riskometer is a label of potential risk set under SEBI rules, not a forecast.
- What is the benchmark of UTI - Money Market Fund and how has it compared?
- Its official benchmark is the CRISIL Money Market A-I Index. Over 3 years AMFI reports a return of 7.3% for this plan against 6.9% for the benchmark total return index; over 5 years 6.7% against 6.4%. Past performance does not indicate future results.
- How often has UTI - Money Market Fund beaten its category?
- At 94% of the 120 month-ends compared over the last 10 years, its 3-year return was above the median of Money Market schemes (Regular plans); it was in the top quarter at 49% of them. A typical scheme would show about 50%.
- Who manages UTI - Money Market Fund?
- According to its Scheme Summary Document, UTI - Money Market Fund is managed by Anurag Mittal, Amit Sharma, Not Applicable, Not Applicable.
- What is the minimum investment in UTI - Money Market Fund?
- The minimum application amount is Regular Plan-Quarterly Reinvestment of IDCW- Rs.20000, Regular Plan-Quarterly Payout of IDCW- Rs.20000, Regular Plan-Monthly Reinvestment of IDCW- Rs.20000, Regular Plan-Monthly Payout of IDCW- Rs.20000, Regular Plan-Weekly Reinvestment of IDCW- Rs.20000, Regular Plan-Weekly Payout of IDCW- Rs.20000, Regular Plan-Growth- Rs.500, Regular Plan-Daily Reinvestment of IDCW- Rs.20000, Regular Plan-Half-yearly Reinvestment of IDCW- Rs.20000, Regular Plan-Half-yearly Payout of IDCW- Rs.20000, Regular Plan-Fortnightly Reinvestment of IDCW- Rs.20000, Regular Plan-Fortnightly Payout of IDCW- Rs.20000, Regular Plan-Flexi Reinvestment of IDCW- Rs.20000, Regular Plan-Flexi Payout of IDCW- Rs.20000, Direct Plan-Flexi Reinvestment of IDCW- Rs.20000, Direct Plan-Flexi Payout of IDCW- Rs.20000, Direct Plan-Annual Reinvestment of IDCW- Rs.20000, Direct Plan-Annual Payout of IDCW- Rs.20000, Direct Plan-Half-yearly Reinvestment of IDCW- Rs.20000, Direct Plan-Half-yearly Payout of IDCW- Rs.20000, Direct Plan-Quarterly Reinvestment of IDCW- Rs.20000, Direct Plan-Quarterly Payout of IDCW- Rs.20000, Direct Plan-Fortnightly Reinvestment of IDCW- Rs.20000, Direct Plan-Fortnightly Payout of IDCW- Rs.20000, Direct Plan-Monthly Reinvestment of IDCW- Rs.20000, Direct Plan-Monthly Payout of IDCW- Rs.20000, Direct Plan-Weekly Reinvestment of IDCW- Rs.20000, Direct Plan-Weekly Payout of IDCW- Rs.20000, Direct Plan-Growth- Rs.500, Direct Plan-Daily Reinvestment of IDCW- Rs.20000, Regular Plan-Annual Reinvestment of IDCW- Rs.20000, Regular Plan-Annual Payout of IDCW- Rs.20000,. SIP details: SIP - D-500/W-500/M-500/Q-1500 SWP - M-500/Q-500/H-500/Y-500 STP - D-100/W-1000/M-1000/Q-3000 Flexi STP - D- 100/W-1000/M-1000/Q-3000.
- What is the difference between the Direct and Regular plans?
- Both plans hold the same portfolio; the Regular plan includes distribution costs in its expense ratio. Over one year the Direct plan's NAV changed by 6.5% and the Regular plan's by 6.4%. The Regular plan includes the services of a distributor.
Reviewing your own mutual fund portfolio?
Integrato's team can walk you through how your current schemes have behaved, using the same data shown here. Integrato is an AMFI-registered Mutual Fund Distributor.
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Data & disclosure. Source: AMFI daily NAV file and historical NAVs via mfapi.in; calculations by MFIC, as of 1 Oct 2026. Category medians use Regular plans in the same AMFI category. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Past performance may or may not be sustained in future. This page is for research and education only and is not investment advice or a recommendation to buy, sell or hold any scheme. Integrato Financial Services Pvt. Ltd. is an AMFI-registered Mutual Fund Distributor (ARN-173155). Methodology.