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UTI - Money Market Fund

UTI Mutual Fund

Debt › Money Market Direct plan Growth SEBI riskometer: Moderate
60/100
Good · Tradinity score
₹3385.3285
2.8099 (+0.08%)
NAV on 1 Oct 2026
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NAV history

Returns as of 1 Oct 2026

Up to one year: absolute. Longer: annualised. Category = median of Money Market direct-plan Growth funds.

PeriodThis fundCategory medianRank in category
1 month +0.52% +0.52% —
3 months +1.61% +1.60% —
6 months +3.64% +3.65% —
1 year +6.52% +6.52% #11 of 22 Top 50%
3 years +7.38% +7.34% #8 of 20 Top 40%
5 years +6.76% +6.67% #5 of 16 Top 32%
10 years +6.73% +6.73% —
Since launch of NAV data+7.29%——

NAV high and low

WindowHighLow
1 month3,385.32853,367.7559
3 months3,385.32853,331.2887
6 months3,385.32853,266.3741
1 year3,385.32853,178.1657

A period is a dash when the fund has not existed that long or its NAV history has a hole at the start date — never a partial figure.

Calendar-year returns

202020212022202320242025YTD
This fund+6.14%+3.84%+5.00%+7.51%+7.84%+7.57%+4.94%
Category median+6.16%+3.83%+4.81%+7.43%+7.80%+7.56%+4.95%

Tradinity fund score

Twenty checks of five points each: performance, portfolio, operations, and risk against reward. Only checks we have data for are counted.

60/100
Good · based on 15 of 20 checks
Performance0/15
  • ✗ Ranks in the top quarter of its category over 1 year
  • ✗ Ranks in the top quarter of its category over 3 years
  • ✗ Ranks in the top quarter of its category over 5 years
  • – Loses less than its reference index on the index's down days
  • – Keeps pace with its reference index on the index's up days
Portfolio15/20
  • ✓ Largest holding is 10% of the fund or less (largest holding 3.5%)
  • ✓ Top ten holdings are 50% of the fund or less (top ten 22.1%)
  • ✓ Holds at least 20 stocks (94 holdings)
  • ✗ No single sector is more than 35% of the fund (diversified equity categories) (largest sector Public Banks 40.2%)
  • – Portfolio P/E is at or below the category median
Operations20/20
  • ✓ Has a track record of at least 5 years (13.7 years of NAV history)
  • ✓ Has a track record of at least 10 years
  • ✓ Expense ratio is at or below the category median (expense ratio 0.17%)
  • ✓ Fund size is above the category median (AUM Rs 13,165 crore)
  • – Lead manager has run the fund for 3 years or more (manager start date not on record)
Risk and reward10/20
  • ✓ Sharpe ratio is at or above the category median
  • ✓ Sortino ratio is at or above the category median
  • ✗ Volatility is at or below the category median
  • ✗ Worst 3-year fall is no deeper than the category median
  • – Jensen's alpha is positive

Risk and return ratios 3-year window

Risk-free rate 6.06% (3-year annualised return of the NSE 1-day (overnight) rate index). This category has no reference index in our data, so benchmark-relative ratios are not shown.

RatioThis fundCategory medianAgainst category
Sharpe ratio 3.11 3.03 Better
Sortino ratio 6.27 6.16 Better
Standard deviation 0.42% 0.42% Worse
Maximum drawdown -0.15% -0.14% Worse
Beta — — —
R-squared — — —
Jensen's alpha — — —
Treynor ratio — — —
Information ratio — — —
Upside capture — — —
Downside capture — — —

SIP returns (monthly instalments, XIRR)

1 year
+6.90%
3 years
+7.14%
5 years
+7.19%

What if you had invested?

Computed from this fund's actual NAVs. A SIP buys at the first NAV of each month and is valued at the latest NAV. Past returns do not guarantee future ones.

Portfolio as of 31 Jul 2026

Weights are % of the scheme's assets from the latest month-end disclosure available to Tradinity. Shown from the Direct plan of this fund, which holds the same portfolio. The feed carries weights only: no quantities or rupee values.

Holdings
94
Top 5 / top 10
12.9% / 22.1%
Largest holding
3.5%
Mapped to Tradinity companies
0%
Portfolio P/E
—
Portfolio ROE
—
Portfolio dividend yield
—
Largest sector
Public Banks 40.2%

Valuation ratios are weighted over the holdings we can match to a company (harmonic mean for P/E) and are withheld when they cover under half the portfolio.

Asset allocation

Certificate of Deposit62.72%
Commercial Paper23.43%
Treasury Bills8.54%
Cash & Equivalents3.22%
Government Securities1.76%
Deposits0.03%

Sector allocation

Click a sector to filter the holdings below (holdings map to our sector list where the company is known).

Holdings

Export CSV
HoldingSectorWeight3M changeP/E
182 DAYS T-BILL - 18/09/2026 — 3.51% 0.14 pp —
NET CURRENT ASSETS — 3.22% 5.62 pp —
CD - NABARD - 22/01/2027 — 2.06% 0.10 pp —
CD - NABARD - 28/01/2027 — 2.06% 0.10 pp —
CD - INDIAN BANK - 05/02/2027 — 2.06% 0.10 pp —
CD - SMALL INDST. DEV. BANK OF INDIA - 26/02/2027 — 2.05% 0.10 pp —
CD - INDUS IND BANK - 07/12/2026 — 1.82% 1.82 pp —
CD - CANARA BANK - 12/02/2027 — 1.80% 0.08 pp —
CD - HDFC BANK LTD - 24/02/2027 — 1.79% -0.40 pp —
CD - NATIONAL BANK FOR FIN INFRA & DEV - 02/03/2027 — 1.79% -0.65 pp —
CD - SMALL INDST. DEV. BANK OF INDIA - 04/12/2026 — 1.69% -0.30 pp —
CD - KOTAK MAHINDRA BANK LTD - 12/02/2027 — 1.67% -0.05 pp —
182 DAYS T-BILL - 27/08/2026 — 1.59% 0.07 pp —
182 DAYS T-BILL - 10/09/2026 — 1.59% 0.07 pp —
CD - NABARD - 19/01/2027 — 1.55% 0.07 pp —
CD - EXIM BANK - 29/01/2027 — 1.54% 0.07 pp —
CP BHARTI TELECOM LTD. — 1.53% 0.07 pp —
5.74% GS 2026-MAT-15/11/2026 — 1.49% 0.04 pp —
CP TORRENT PHARMACEUTICALS LTD. — 1.29% 0.06 pp —
CD - KOTAK MAHINDRA BANK LTD - 08/01/2027 — 1.29% 0.06 pp —
CD - HDFC BANK - 05/02/2027 — 1.28% -0.43 pp —
CD - IDFC BANK LTD - 03/02/2027 — 1.28% 0.06 pp —
CD - CANARA BANK - 11/03/2027 — 1.28% 0.30 pp —
CP ASEEM INFRASTRUCTURE FINANCE LTD — 1.27% 0.06 pp —
CD - UCO BANK - 15/06/2027 — 1.25% 1.25 pp —
CD - BANK OF MAHARASHTRA - 07/01/2027 — 1.16% 0.05 pp —
CD - KOTAK MAHINDRA BANK LTD - 05/03/2027 — 1.15% 0.05 pp —
182 DAYS T-BILL - 03/09/2026 — 1.06% 1.06 pp —
CP INFINA FINANCE PRIVATE LIMITED — 1.03% 0.05 pp —
CD - CANARA BANK - 08/01/2027 — 1.03% 0.54 pp —
CD - INDIAN BANK - 12/01/2027 — 1.03% 0.05 pp —
CD - AXIS BANK LTD - 14/01/2027 — 1.03% 0.05 pp —
CD - NABARD - 14/01/2027 — 1.03% 0.05 pp —
CD - SMALL INDST. DEV. BANK OF INDIA - 14/01/2027 — 1.03% 0.05 pp —
CD - AU SMALL FINANCE BANK LTD - 11/01/2027 — 1.03% 0.05 pp —
CD - INDIAN BANK - 22/01/2027 — 1.03% 0.05 pp —
CD - SMALL INDST. DEV. BANK OF INDIA - 29/01/2027 — 1.03% 0.05 pp —
CD - CANARA BANK - 02/02/2027 — 1.03% 0.05 pp —
CD - INDUSIND BANK LTD - 27/01/2027 — 1.03% 0.05 pp —
CD - ICICI BANK LTD. - 12/02/2027 — 1.03% 0.05 pp —
CD - AXIS BANK - 12/02/2027 — 1.03% 1.03 pp —
CD - INDUSIND BANK LTD - 05/02/2027 — 1.03% 0.05 pp —
CP POONAWALLA FINCORP LTD. — 1.03% 0.05 pp —
CD - INDIAN OVERSEAS BANK LTD - 18/02/2027 — 1.03% 0.05 pp —
CD - NABARD - 17/02/2027 — 1.03% 0.05 pp —
CD - AXIS BANK - 26/02/2027 — 1.02% 1.02 pp —
CD - NABARD Mat - 26/02/2027 — 1.02% -0.44 pp —
CD - ICICI BANK LTD. - 08/03/2027 — 1.02% 0.05 pp —
CP ICICI SECURITIES LTD. — 1.02% 1.02 pp —
CP IGH HOLDINGS PRIVATE LIMITED — 1.02% 0.05 pp —
CP ANGEL ONE LTD — 1.01% 0.05 pp —
CD - INDIAN BANK - 06/11/2026 — 0.92% -0.08 pp —
CD - PUNJAB & SIND BANK LTD. - 15/03/2027 — 0.89% 0.04 pp —
CD - UNION BANK OF INDIA - 19/01/2027 — 0.77% 0.77 pp —
CD - CANARA BANK - 29/01/2027 — 0.77% 0.04 pp —
CD - SMALL INDST. DEV. BANK OF INDIA - 28/01/2027 — 0.77% 0.04 pp —
CD - SMALL INDST. DEV. BANK OF INDIA - 09/02/2027 — 0.77% 0.04 pp —
CD - SMALL INDST. DEV. BANK OF INDIA - 18/02/2027 — 0.77% 0.04 pp —
CP BIRLA GROUP HOLDINGS PRIVATE LIMITED — 0.77% 0.04 pp —
CD - EQUITAS SMALL FINANCE BANK LTD - 12/02/2027 — 0.77% 0.04 pp —
CP MAHINDRA RURAL HOUSING FINANCE LTD — 0.76% 0.04 pp —
CD - Export Import Bank Of India - 11/11/2026 — 0.65% 0.65 pp —
CP TATA TELESERVICES LTD. — 0.54% -0.10 pp —
364 DAYS T -BILL MD 17/09/26 — 0.53% 0.02 pp —
CD - EQUITAS SMALL FINANCE BANK - 26/11/2026 — 0.52% 0.03 pp —
CD - AXIS BANK - 17/12/2026 — 0.52% 0.02 pp —
CD - KOTAK MAHINDRA BANK LTD - 29/01/2027 — 0.51% 0.02 pp —
CD - SMALL INDST. DEV. BANK OF INDIA - 04/02/2027 — 0.51% 0.15 pp —
CD - HDFC BANK LTD - 15/02/2027 — 0.51% 0.51 pp —
CP ADITYA BIRLA CAPITAL LTD — 0.51% 0.02 pp —
CP AXIS SECURITIES LTD — 0.51% 0.02 pp —
CP GIC HOUSING FINANCE LTD. — 0.51% 0.51 pp —
CD - Canara Bank - 04/03/2027 — 0.51% 0.51 pp —
CP NUVAMA WEALTH FINANCE LTD — 0.51% 0.02 pp —
CD - UJJIVAN SMALL FINANCE BANK LTD - 26/02/2027 — 0.51% 0.03 pp —
CD - Canara Bank - 25/03/2027 — 0.51% 0.51 pp —
CP TATA CAPITAL LTD. — 0.51% 0.51 pp —
CP KOTAK MAHINDRA PRIME LTD. — 0.51% 0.02 pp —
CD - CANARA BANK - 18/12/2026 — 0.39% 0.39 pp —
CD - KOTAK MAHINDRA BANK LTD - 21/12/2026 — 0.39% 0.39 pp —
CD - Canara Bank - 26/02/2027 — 0.38% 0.38 pp —
CP 360 ONE PRIME LTD — 0.38% 0.02 pp —
CP 360 ONE WAM LIMITED — 0.38% 0.02 pp —
CD - NABARD - 17/03/2027 — 0.38% 0.38 pp —
CP FEDBANK FINANCIAL SERVICES LTD. — 0.38% 0.02 pp —
CD - INDIAN BANK - 21/06/2027 — 0.38% 0.38 pp —
CORPORATE DEBT MARKET DEVT FUND - A2 UNITS — 0.31% 0.01 pp —
6.97% GSEC 06/09/26 — 0.27% 0.01 pp —
364 DAYS T -BILL MD 13/08/2026 — 0.27% 0.01 pp —
CD - SMALL INDS DEV BANK - 27/10/2026 — 0.26% -0.49 pp —
CD - AU SMALL FINANCE BANK LTD - 25/11/2026 — 0.26% 0.01 pp —
CP MUTHOOT FINCORP LIMITED — 0.25% 0.01 pp —
CP NUVAMA WEALTH MANAGEMENT LTD — 0.13% 0.01 pp —
CLEARING CORPORATION OF INDIA LTD. STD - MARGIN — 0.03% 0.00 pp —

Fund details

Fund houseUTI Mutual Fund
AMFI scheme code120299
CategoryDebt › Money Market
AMFI categoryOpen Ended Schemes(Debt Scheme - Money Market Fund)
Plan / optionDirect / Growth
ISININF789F01XV6
NAV history from1 Jan 2013
NAV points on record3,985

Cost and size

Expense ratio (direct, Sep 2026)
0.17%
category median 0.17%
Assets under management
₹13,165 crore
average, June-2026
Regular plan expense ratio
0.24%

Expense ratio by month: Oct 25 0.13% · Nov 25 0.13% · Dec 25 0.13% · Jan 26 0.13% · Feb 26 0.12% · Mar 26 0.12% · Apr 26 0.15% · May 26 0.16% · Jun 26 0.16% · Jul 26 0.15% · Aug 26 0.15% · Sep 26 0.17%

From the scheme information document

Benchmark
CRISIL Money Market A-I Index
Nifty 1 Year T-Bill Index
SEBI riskometer
Moderate
Registrar
KFin Technologies Limited
Minimum investment
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.2
Minimum additional
Regular Plan-Quarterly Reinvestment of IDCW-Rs.500, Regular Plan-Quarterly Payout of IDCW-Rs.500, Regular Plan-Monthly Reinvestment of IDCW-Rs.500, Regular Plan-Monthly Payout of IDCW-Rs.500, Regular Plan-Weekly Reinvestment of IDCW-Rs.500, Regular P
SIP
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
Fund manager(s)
Mr. Anurag Mittal FM 1,Mr. Amit Sharma FM 2,Not Applicable FM 3,Not Applicable FM 4

Exit load

Nil

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.

Scheme information document

Fund house: website · factsheets · monthly portfolio · annual report

Not available: Morningstar rating (proprietary). "NAV history from" is the first NAV we hold.

Other plans of this fund

Returns are computed by Tradinity from each scheme's own published NAV, so they are net of the fund's expenses. Periods over one year are annualised (CAGR). Past performance does not indicate future returns. Only Growth-option schemes are ranked: an IDCW scheme pays cash out of its NAV, so its NAV understates what an investor earned.