UTI - Liquid Fund
UTI Mutual Fund · Liquid · Direct plan, growth option
NAV (₹), 1 Oct 2026
467.4822
1-day change
0.02%
1Y return
6.5%
3Y CAGR
7.0%
5Y CAGR
6.4%
Max drawdown, 5Y
0.0%
NAV history month-end NAV, ₹ · 1 Jan 2013 to 4 Oct 2026
Returns vs Liquid median (40 schemes)
| Period | Scheme | Category median |
|---|---|---|
| 1 month | 0.4% | 0.5% |
| 3 months | 1.5% | 1.6% |
| 6 months | 3.3% | 3.3% |
| Year to date | 5.0% | 5.0% |
| 1 year | 6.5% | 6.5% |
| 3 years (CAGR) | 7.0% | 6.9% |
| 5 years (CAGR) | 6.4% | 6.4% |
| 7 years (CAGR) | 5.7% | 5.7% |
| 10 years (CAGR) | 6.1% | 6.1% |
| Since first NAV (CAGR) | 6.8% | – |
Rolling returns every business-day start date
| Measure | Scheme | Category median |
|---|---|---|
| 1Y rolling median | 7.1% | 7.0% |
| 3Y rolling median | 7.0% | 7.0% |
| 3Y rolling worst | 4.1% | 4.1% |
| 3Y periods positive | 100% | 100% |
| 3Y periods ahead of benchmark | n/a | n/a |
| 5Y rolling median | 5.9% | 5.9% |
| 5Y rolling worst | 5.3% | 5.2% |
| 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.) | 0.3% | 0.3% |
| Sharpe ratio | 0.80 | 0.75 |
| Sortino ratio | 1.04 | 0.98 |
| 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 | −0.2% | −0.2% |
| Maximum drawdown, last 10Y | −0.2% | −0.2% |
| Maximum drawdown, last 5Y | 0.0% | 0.0% |
| 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.
Market context from Integrato Market Intelligence
This scheme invests mainly in the markets below, which are also close to how many of them are benchmarked. Where those markets stand today:
- 1Y +6.4% · 3Y +6.8% p.a. · 5Y +6.3% p.a. (index fund NAV, after costs)
- At its 52-week high (proxy NAV)
5.50%
1 Jul 2026 · −0.25 pp in a year · 5Y average 5.90%
Index levels and P/E: NSE daily index closing values; gold and silver: IBJA rates; returns: growth NAV of an index fund or ETF tracking the market (AMFI), so they are after that fund's costs. Context only: a market's level or valuation does not tell you how any scheme will perform. Explore all markets.
Direct or Regular for this scheme?
The Regular plan's expense ratio is 0.25% a year and the Direct plan's 0.15%, a gap of 0.10%; over the last 3 years the Direct plan returned 0.10 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 ₹2,70,737.
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.
Fund managers and scheme facts Scheme Summary Document via AMFI
| Fund manager | Role | Managing since |
|---|---|---|
| Amit Sharma | 1 Jul 2017 | |
| Not Applicable | 1 Jul 2017 | |
| Not Applicable | 1 Jul 2017 |
Objective: The investment objective of the scheme is to generate steady and reasonable income, with low risk and high level of liquidity from a portfolio of debt & 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 Repo on Governemnt Securities or treasury bill & Repo): 0-100% (Low) Debt Securities (including securitised debt): 0-100% (Low to Medium)* * Debt securities will also include Securitised Debt, which may go up to 50% of the portfolio
Benchmark (tier 1): Nifty Liquid Index A-I
Exit load: if redeemed 1st day-0.0070%, 2nd day-0.0065%, 3rd day-0.0060%, 4th day-0.0055%, 5th day- 0.0050%, 6th day-0.0045% from day 7th onwards Nil from the date of investment.
Minimum application: Regular Plan-Quarterly Reinvestment of IDCW- Rs.20000, Regular Plan-Quarterly Payout of IDCW- Rs.20000, Regular Plan-Reinvestment of IDCW- Rs.20000, Regular Plan-Payout of IDCW- Rs.20000, Regular Plan-Weekly Reinvestment of IDCW- Rs.20000, Regular Plan-Monthly Reinvestment of IDCW- Rs.20000, Regular Plan-Monthly Payout of IDCW- Rs.20000, Regular Plan-Growth- Rs.100, 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-Weekly Reinvestment of IDCW- Rs.20000, Direct Plan-Monthly Reinvestment of IDCW- Rs.20000, Direct Plan-Monthly Payout of IDCW- Rs.20000, Direct Plan-Growth- Rs.100, Direct Plan-Daily Reinvestment of IDCW- Rs.20000, Regular Plan-Annual Reinvestment of IDCW- Rs.20000, Regular Plan-Annual Payout of IDCW- Rs.20000, Regular Plan-Weekly Payout of IDCW – Rs.20000, Direct Plan-Weekly Payout of IDCW– Rs.20000
Allotment date: 23 Jun 2003
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), Direct plan | 0.15% | 0.13% |
| AUM, whole scheme (₹ crore) | 27,453 | 5,127 |
| 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) | 6.5% | 6.4% TRI |
| Return, 3 years (AMFI) | 6.9% | 6.9% TRI |
| Return, 5 years (AMFI) | 6.4% | 6.4% TRI |
| Month-ends above category median (3Y CAGR) | 68% | 48% median |
| Month-ends in category top quartile (3Y) | 2% | 7% median |
| 7Y rolling CAGR, median (monthly windows) | 5.9% | 5.9% median |
Official benchmark: NIFTY Liquid Index A-I (total return index, as published by AMFI). Category consistency: last 10 years of month-ends, Liquid Direct plans; how it is calculated.
Calendar-year returns NAV change from 31 Dec to 31 Dec
| Year | Scheme | Benchmark | Difference |
|---|---|---|---|
| 2026 YTD | 5.0% | n/a | – |
| 2025 | 6.6% | n/a | – |
| 2024 | 7.4% | n/a | – |
| 2023 | 7.1% | n/a | – |
| 2022 | 4.9% | n/a | – |
| 2021 | 3.4% | n/a | – |
| 2020 | 4.3% | n/a | – |
| 2019 | 6.7% | n/a | – |
| 2018 | 7.5% | 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 | ₹1,24,354 | 6.7% |
| 3 years | ₹3,60,000 | ₹3,98,981 | 6.7% |
| 5 years | ₹6,00,000 | ₹7,12,408 | 6.8% |
| 10 years | ₹12,00,000 | ₹16,44,968 | 6.1% |
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: Liquid
Plan / option: Direct · Growth
AMFI scheme code: 120304
ISIN: INF789F1AD46
First NAV in MFIC data: 1 Jan 2013
History: 13.8 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 |
|---|---|---|---|
| Axis Liquid Fund | Liquid | 1.00 | 7.0% |
| ICICI Prudential Liquid Fund - | Liquid | 1.00 | 6.9% |
| PGIM India Liquid Fund | Liquid | 1.00 | 7.0% |
| SBI LIQUID FUND | Liquid | 1.00 | 6.9% |
| Kotak Liquid Fund | Liquid | 1.00 | 6.9% |
| Aditya Birla Sun Life Liquid Fund | Liquid | 1.00 | 7.0% |
Changes and data adjustments
- 20 Jun 2026: Data adjustment: NAV history adjusted for a 1:10 unit split or face-value change
Questions about UTI - Liquid Fund
- What is the latest NAV of UTI - Liquid Fund?
- The NAV of the Direct plan (growth option) was ₹467.4822 on 1 Oct 2026, as published by AMFI.
- Which category is UTI - Liquid Fund in?
- It is classified as Liquid in AMFI's daily NAV file; a Liquid scheme invests in securities maturing in up to 91 days. MFIC compares it with 40 Liquid schemes (Direct plans).
- What returns has UTI - Liquid Fund delivered?
- Over one year the NAV changed by 6.5%. The 3-year CAGR is 7.0% (category median 6.9%) and the 5-year CAGR is 6.4% (category median 6.4%). 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 7.0%, the lowest was 4.1%, and 100% of 3-year periods ended with a gain.
- What was the largest fall in UTI - Liquid Fund's NAV?
- The largest peak-to-trough fall in its available history was 0.2%; within the last five years it was 0.0% (category median 0.0%).
- How volatile is UTI - Liquid Fund?
- Its annualised standard deviation of monthly returns over the last 36 months is 0.3%, which is below the Liquid category median of 0.3%.
- What would a monthly SIP in UTI - Liquid 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 ₹7,12,408 on 1 Oct 2026, an annualised return (XIRR) of 6.8%. This uses the Direct 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 - Liquid Fund?
- The total expense ratio of the Direct plan is 0.15% a year, as disclosed to AMFI (median of Liquid Direct plans: 0.13%). It is already deducted from the NAV, so every return shown is after expenses.
- How large is UTI - Liquid Fund?
- Assets under management of the whole scheme were ₹27,453 crore on 30 Sep 2026, as published by AMFI.
- What is the riskometer level of UTI - Liquid 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 - Liquid Fund and how has it compared?
- Its official benchmark is the NIFTY Liquid Index A-I. Over 3 years AMFI reports a return of 6.9% for this plan against 6.9% for the benchmark total return index; over 5 years 6.4% against 6.4%. Past performance does not indicate future results.
- How often has UTI - Liquid Fund beaten its category?
- At 68% of the 120 month-ends compared over the last 10 years, its 3-year return was above the median of Liquid schemes (Direct plans); it was in the top quarter at 2% of them. A typical scheme would show about 50%.
- Who manages UTI - Liquid Fund?
- According to its Scheme Summary Document, UTI - Liquid Fund is managed by Amit Sharma (since 1 Jul 2017), Not Applicable (since 1 Jul 2017), Not Applicable (since 1 Jul 2017).
- What is the exit load of UTI - Liquid Fund?
- As stated in its scheme documents: if redeemed 1st day-0.0070%, 2nd day-0.0065%, 3rd day-0.0060%, 4th day-0.0055%, 5th day- 0.0050%, 6th day-0.0045% from day 7th onwards Nil from the date of investment. Check the latest Scheme Information Document before investing, as loads can change.
- What is the minimum investment in UTI - Liquid Fund?
- The minimum application amount is Regular Plan-Quarterly Reinvestment of IDCW- Rs.20000, Regular Plan-Quarterly Payout of IDCW- Rs.20000, Regular Plan-Reinvestment of IDCW- Rs.20000, Regular Plan-Payout of IDCW- Rs.20000, Regular Plan-Weekly Reinvestment of IDCW- Rs.20000, Regular Plan-Monthly Reinvestment of IDCW- Rs.20000, Regular Plan-Monthly Payout of IDCW- Rs.20000, Regular Plan-Growth- Rs.100, 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-Weekly Reinvestment of IDCW- Rs.20000, Direct Plan-Monthly Reinvestment of IDCW- Rs.20000, Direct Plan-Monthly Payout of IDCW- Rs.20000, Direct Plan-Growth- Rs.100, Direct Plan-Daily Reinvestment of IDCW- Rs.20000, Regular Plan-Annual Reinvestment of IDCW- Rs.20000, Regular Plan-Annual Payout of IDCW- Rs.20000, Regular Plan-Weekly Payout of IDCW – Rs.20000, Direct Plan-Weekly Payout of IDCW– Rs.20000. SIP details: SIP - D-100/W-100/M-100/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 Direct 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.