UTI - Liquid Fund

LiquidDirect and Regular plans, Growth and IDCW options

Data as on 30-10-2026

UTI - Liquid Fund is a Liquid fund run by UTI Mutual Fund. On 30-09-2026, it managed ₹27,453 Cr of investors' money. In the 3 years to 30-10-2026, its Direct plan returned 6.9% a year and its Regular plan returned 6.8% a year. Its benchmark, NIFTY Liquid Index A-I, returned 6.9% a year over the same 3 years.

NAV (Direct plan): ₹469.25; ▲ 0.02%30-10-2026
NAV (Regular plan): ₹464.43; ▲ 0.02%30-10-2026
Expense ratio: 0.15%Direct0.25%Regular; 0.15%; A year
Riskometer: Moderate; Set by the fund house
3 year return: 6.9%Direct6.8%Regular; 6.9%; A year

UTI - Liquid Fund NAV Today

NAV on 30-10-2026: Direct Plan Growth ₹469.25 (up 0.02% that day); Regular Plan Growth ₹464.43 (up 0.02% that day).

This fund (Direct plan)

₹469.2458

This fund split each unit into 10 on 20-06-2026 (fund house notice). NAVs before that day are shown divided by 10, so the line and the returns are not broken by the split.

UTI - Liquid Fund Returns vs NIFTY Liquid Index A-I

Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.

Trailing returns
Period	1M	3M	6M	1Y	3Y	5Y	10Y
This fund (Direct)	+0.46%	+1.52%	+3.20%	+6.50%	+6.92%	+6.43%	+6.12%
This fund (Regular)	+0.45%	+1.50%	+3.14%	+6.39%	+6.82%	+6.34%	+6.03%
NIFTY Liquid Index A-I	+0.51%	+1.57%	+3.42%	+6.44%	+6.90%	+6.36%	--
Liquid average	+0.44%	+1.46%	+3.06%	+6.23%	+6.66%	+6.18%	+5.85%
Best in Liquid	+0.48%	+1.54%	+3.26%	+6.54%	+6.96%	+6.47%	+6.32%
Worst in Liquid	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Rank in Liquid	5/43	7/42	11/42	8/40	11/36	9/34	9/28

Category rows compare the Direct plans of 44 Liquid funds. Rank 1 is the highest return. The benchmark row is as on 30-09-2026, as NSE published it.

UTI - Liquid Fund Year-wise Returns

Return of each calendar year
Year	Direct	Regular
2026to date	+5.43%	+5.34%
2025	+6.62%	+6.53%
2024	+7.43%	+7.33%
2023	+7.12%	+7.03%
2022	+4.93%	+4.83%
2021	+3.38%	+3.28%

UTI - Liquid Fund Rolling Returns

The return of every holding period in the fund's history, not only the one that ends today

Rolling returns

Each point is the yearly return of one 3-year holding period, plotted on the day it ended. There are 3,951 periods, one for each trading day from 01-01-2016 to 30-10-2026.

0%2%4%6%8%10%

Nov 2013
to
Nov 2016Sept 2015
to
Sept 2018Jul 2017
to
Jul 2020May 2019
to
May 2022Mar 2021
to
Mar 2024Dec 2022
to
Dec 2025

UTI - Liquid Fund (Direct)Category average, 43 Liquid funds

Every holding period at a glance

Period	Periods	Median	Lowest	Highest	With a loss	Category median	Beat category
1 year	4,681	7.1%	3.3%	9.8%	0%	6.8%	100%
2 years	4,316	7.0%	3.4%	9.3%	0%	6.7%	100%
3 years	3,951	7.0%	4.1%	8.9%	0%	6.6%	100%
5 years	3,220	5.9%	5.3%	8.2%	0%	5.7%	100%
7 years	2,490	5.9%	5.7%	7.9%	0%	5.6%	100%
10 years	1,394	6.4%	6.1%	6.8%	0%	6.1%	100%

Every SIP holding period at a glance

Period	Periods	Median	Lowest	Highest	With a loss	Category median	Beat category
1 year	154	7.0%	3.3%	9.6%	0%	6.7%	100%
2 years	142	7.0%	3.5%	9.2%	0%	6.7%	100%
3 years	130	6.9%	3.7%	8.7%	0%	6.6%	100%
5 years	106	6.3%	4.6%	7.7%	0%	6.0%	100%
7 years	82	5.9%	5.1%	7.4%	0%	5.6%	100%
10 years	46	6.0%	5.9%	6.1%	0%	5.8%	100%

Lumpsum: the yearly rate (CAGR) from the NAV on a period's first day to the NAV on its last. SIP: the XIRR of the monthly instalments and their value on the last day. "With a loss" counts the periods that ended below the money put in. "Beat category" counts the periods in which the fund did better than the average of the 43 Liquid funds (Direct plans, each weighted the same) over the same days. Past returns do not promise future returns.

UTI - Liquid Fund Risk

How much it swings, and the falls an investor had to sit through

Risk and return

Measure	UTI - Liquid Fund (Direct)This fund	Category average
Return (CAGR)	+6.50%	+6.22%
Standard deviation	0.19%	0.18%
Sharpe ratio	6.55	5.54
Sortino ratio	20.68	14.81
Maximum drawdown	−0.01% (23-03-2026)	−0.01% (22-10-2026)

From daily NAVs, 30-10-2025 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls.

Measure	UTI - Liquid Fund (Direct)This fund	Category average
Return (CAGR)	+6.92%	+6.66%
Standard deviation	0.15%	0.14%
Sharpe ratio	6.13	4.68
Sortino ratio	19.02	12.26
Maximum drawdown	−0.01% (23-03-2026)	−0.01% (22-10-2026)

From daily NAVs, 30-10-2023 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls.

Measure	UTI - Liquid Fund (Direct)This fund	Category average
Return (CAGR)	+6.43%	+6.19%
Standard deviation	0.14%	0.13%
Sharpe ratio	4.54	2.95
Sortino ratio	10.30	5.88
Maximum drawdown	−0.03% (05-05-2022)	−0.03% (05-05-2022)

From daily NAVs, 30-10-2021 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls.

Measure	UTI - Liquid Fund (Direct)This fund	Category average
Return (CAGR)	+6.12%	+5.85%
Standard deviation	0.18%	0.15%
Sharpe ratio	4.04	2.92
Sortino ratio	8.68	5.60
Maximum drawdown	−0.25% (24-03-2020)	−0.12% (24-03-2020)

From daily NAVs, 30-10-2016 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls.

Measure	UTI - Liquid Fund (Direct)This fund	Category average
Return (CAGR)	+6.82%	+6.51%
Standard deviation	0.18%	0.25%
Sharpe ratio	4.31	1.81
Sortino ratio	7.41	2.69
Maximum drawdown	−0.25% (24-03-2020)	−0.34% (07-01-2013)

From daily NAVs, 01-01-2013 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls.

Drawdowns

How far below its previous high each one was on every day: the falls an investor had to sit through. 0% means it was at a new high.

−0.4%−0.3%−0.2%−0.1%0%

2014201620182020202220242026

UTI - Liquid Fund (Direct)Category average, 43 Liquid funds

	Worst fall	High before it	Bottom	Back at the high	Time to climb back	Below its high today
UTI - Liquid Fund (Direct)	−0.25%	17-03-2020	24-03-2020	27-03-2020	3 days	0.0%
Category average	−0.34%	06-01-2013	07-01-2013	11-01-2013	4 days	0.0%

From the Direct plan's daily NAV since 01-01-2013, adjusted for unit splits, and the average of the 43 Liquid funds (Direct plans, each weighted the same) over the same days. "Time to climb back" runs from the bottom to the first day back at the old high.

UTI - Liquid Fund vs Other Liquid Funds

The five Liquid funds with the best three year return, and this fund. Direct plans.

Fund name	Rank	AUM (Cr)	Exp. ratio	1Y return	3Y return	3Y alpha	3Y beta	3Y Sharpe	3Y Sortino
Aditya Birla Sun Life Liquid Fund	1/36	61,167	0.21%	+6.52%	+6.96%	--	--	6.22	17.25	Compare
Axis Liquid Fund	1/36	53,470	0.13%	+6.54%	+6.96%	--	--	6.39	19.90	Compare
Edelweiss Liquid Fund	1/36	11,741	0.10%	+6.50%	+6.96%	--	--	6.45	18.56	Compare
Franklin India Liquid Fund	4/36	4,811	0.14%	+6.52%	+6.95%	--	--	6.51	21.25	Compare
Sundaram Liquid Fund	4/36	6,727	0.14%	+6.53%	+6.95%	--	--	6.03	18.56	Compare
UTI - Liquid Fund	11/36	27,453	0.15%	+6.50%	+6.92%	--	--	6.13	19.03

AUM is each fund's size at the end of its last reported month, from its own portfolio file. We calculate the risk ratios from daily NAVs over the last three years. The risk-free return is what NSE's overnight rate index earned over the same years. Alpha and beta compare each fund with its own benchmark's TRI. "--" means we have no figure: for alpha and beta, no daily series for that benchmark.

UTI - Liquid Fund Expense Ratio and Costs

What each plan charges a year, in force from 01-09-2026

Plan	Base expense ratio	Brokerage	Transaction costs	Levies and GST	Total expense ratio	Liquid median	Cost rank (1 = cheapest)
Direct	0.13%	0.00%	0.00%	0.02%	0.15%	0.14%	25/43
Regular	0.21%	0.00%	0.00%	0.04%	0.25%	0.25%	21/43

The expense ratio comes out of the fund's assets every day, so every return on this page is already after it. Base expense ratio: the fund house's own fee. The total adds brokerage, the cost of executing trades, and statutory levies with GST. From AMFI's expense ratio file. Cost rank: where this plan comes when the Liquid funds' plans of the same type are sorted from the lowest total expense ratio to the highest.

Direct vs Regular: what the gap cost

Both plans own the same portfolio, so the difference in what they earned is the Regular plan's extra cost, taken out of its NAV.

Over the last	Regular	Direct	Direct earned more by	₹1 lakh became (Regular)	₹1 lakh became (Direct)
1 year	6.39%	6.50%	0.11%	₹1,06,390	₹1,06,500
3 years	6.82%	6.92%	0.10% a year	₹1,21,887	₹1,22,230
5 years	6.34%	6.43%	0.09% a year	₹1,35,983	₹1,36,559
10 years	6.03%	6.12%	0.09% a year	₹1,79,592	₹1,81,123

Returns over more than 1 year are a rate a year (CAGR). ₹1 lakh invested once at the start of each period, valued on the last NAV.

UTI - Liquid Fund SIP Calculator

What a one-time or monthly investment in this fund would be worth today, from its own NAV history

Growth of an investment

Every month₹

Step up each year

PeriodFor

₹10,000 on the first trading day of every month, from 01-01-2013 to 30-10-2026: 166 instalments, ₹16,60,000 in all.

Investment	Invested	Value now	Gain	Return a year
Direct planUTI - Liquid Fund (Direct)	₹16,60,000	₹26,22,165	₹9,62,165	6.3%
Regular planUTI - Liquid Fund (Regular)	₹16,60,000	₹26,05,434	₹9,45,434	6.3%
Category averageCategory average, 43 Liquid funds	₹16,60,000	₹25,70,208	₹9,10,208	6.1%

₹0₹10.0 L₹20.0 L₹30.0 L

2014201620182020202220242026

Direct planUTI - Liquid Fund (Direct)Regular planUTI - Liquid Fund (Regular)Category averageCategory average, 43 Liquid fundsAmount invested

From each plan's published NAV (Growth option) and the category average, over the same days. Return a year: XIRR for a SIP, CAGR for a lumpsum, shown for a year or more. It does not include exit load, stamp duty or tax. Past returns do not promise future returns.

UTI - Liquid Fund Asset Allocation

Asset allocation as on 30-09-2026

What the fund holds

95.3%Debt

Asset	Fund	Category
Debt	95.3%	97.0%
Cash and others	4.7%	6.5%

Credit rating

Bonds and money market papers by credit rating, % of the fund. Category: the average of 42 Liquid funds.

Rating	Fund	Category
Sovereign	10.4%	15.2%
AAA and A1+	84.9%	81.1%

UTI - Liquid Fund Portfolio Holdings

As on 30-09-2026 · 106 holdings · from the fund house's monthly portfolio

Holdings	Rating	Weight%
91 DAYS T-BILL - 19/11/2026 · Treasury bill	SOV	4.52%
CD - UCO BANK - 04/11/2026 · Certificate of deposit	CARE-A1+	3.44%
CP NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT · Commercial paper	ICRA-A1+	2.71%
CP SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA · Commercial paper	CRISIL-A1+	2.52%
CD - HDFC BANK - 04/12/2026 · Certificate of deposit	CARE-A1+	2.34%
CP NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT · Commercial paper	ICRA-A1+	2.17%
91 DAYS T-BILL - 03/12/2026 · Treasury bill	SOV	1.99%
CD - BANK OF INDIA - 03/12/2026 · Certificate of deposit	CARE-A1+	1.98%
CD - HDFC BANK LTD - 06/11/2026 · Certificate of deposit	CRISIL-A1+	1.81%
CD - HDFC BANK LTD - 04/11/2026 · Certificate of deposit	CARE-A1+	1.81%
CD - INDIAN BANK - 09/11/2026 · Certificate of deposit	CRISIL-A1+	1.81%
CD - PUNJAB & SIND BANK LTD - 17/11/2026 · Certificate of deposit	ICRA-A1+	1.81%
91 DAYS T-BILL - 24/12/2026 · Treasury bill	SOV	1.80%
CD - KARUR VYSYA BANK LTD - 03/12/2026 · Certificate of deposit	ICRA-A1+	1.80%
CP BAJAJ FINANCE LTD. · Commercial paper	CRISIL-A1+	1.80%
CD - PUNJAB & SIND BANK LTD - 22/12/2026 · Certificate of deposit	ICRA-A1+	1.79%
CD - NABARD - 10/11/2026 · Certificate of deposit	CRISIL-A1+	1.72%
CP NTPC LTD. · Commercial paper	CRISIL-A1+	1.64%
CP CANFIN HOMES LTD. · Commercial paper	ICRA-A1+	1.45%
CP NTPC LTD. · Commercial paper	CRISIL-A1+	1.45%
CP BAJAJ FINANCIAL SECURITIES LTD · Commercial paper	CRISIL-A1+	1.44%
CD - BANK OF INDIA - 15/12/2026 · Certificate of deposit	CARE-A1+	1.44%
CD - Union Bank Of India - 10/12/2026 · Certificate of deposit	ICRA-A1+	1.35%
CD - SIDBI - 06/11/2026 · Certificate of deposit	CRISIL-A1+	1.34%
CD - CENTRAL BANK OF INDIA - 23/11/2026 · Certificate of deposit	CRISIL-A1+	1.26%
182 DAYS T-BILL - 12/11/2026 · Treasury bill	SOV	1.18%
CP TATA COMMUNICATIONS LTD. · Commercial paper	CRISIL-A1+	1.09%
CP CHENNAI PETROLEUM CORPORATION LIMITED · Commercial paper	CRISIL-A1+	1.09%
CP JSW ENERGY LTD. · Commercial paper	ICRA-A1+	1.08%
CP SHAREKHAN LTD · Commercial paper	CRISIL-A1+	1.08%
CP HSBC INVESTDIRECT FINANCIAL SERVICES (I) LTD. · Commercial paper	CRISIL-A1+	0.99%
CD - HDFC BANK LTD - 16/10/2026 · Certificate of deposit	CARE-A1+	0.91%
91 DAYS T-BILL - 10/12/2026 · Treasury bill	SOV	0.90%
CP GODREJ FINANCE LIMITED · Commercial paper	CRISIL-A1+	0.90%
CD - KARUR VYSYA BANK LTD - 16/11/2026 · Certificate of deposit	ICRA-A1+	0.90%
CD - HDFC BANK LTD - 15/12/2026 · Certificate of deposit	CARE-A1+	0.90%
CP HINDUSTAN PETROLEUM CORPORATION LTD. · Commercial paper	CRISIL-A1+	0.90%
CP NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT · Commercial paper	ICRA-A1+	0.90%
CP BAJAJ FINANCE LTD. · Commercial paper	CRISIL-A1+	0.90%
CD - CANARA BANK - 25/11/2026 · Certificate of deposit	CRISIL-A1+	0.90%
CP MUTHOOT FINCORP LIMITED · Commercial paper	CRISIL-A1+	0.90%
CP ADITYA BIRLA CAPITAL LTD · Commercial paper	ICRA-A1+	0.90%
CP HDFC SECURITIES LTD · Commercial paper	CARE-A1+	0.90%
CP HDFC SECURITIES LTD · Commercial paper	ICRA-A1+	0.90%
CP MAHINDRA RURAL HOUSING FINANCE LTD · Commercial paper	CRISIL-A1+	0.90%
CP RELIANCE INDUSTRIES LTD. · Commercial paper	CRISIL-A1+	0.72%
CP KOTAK SECURITIES LTD. · Commercial paper	CRISIL-A1+	0.72%
CP ICICI HOME FINANCE COMPANY LIMITED · Commercial paper	ICRA-A1+	0.72%
CP BIRLA GROUP HOLDINGS PRIVATE LIMITED · Commercial paper	CRISIL-A1+	0.72%
CP NUVOCO VISTAS CORPORATION LTD · Commercial paper	CRISIL-A1+	0.72%
CP POWER FINANCE CORPORATION LTD. · Commercial paper	CRISIL-A1+	0.72%
CP TITAN COMPANY LTD. · Commercial paper	CARE-A1+	0.72%
CP MOTILAL OSWAL FINANCIAL SERVICES LTD. · Commercial paper	ICRA-A1+	0.72%
CP MOTILAL OSWAL FINANCIAL SERVICES LTD. · Commercial paper	ICRA-A1+	0.72%
CP MOTILAL OSWAL FINANCIAL SERVICES LTD. · Commercial paper	ICRA-A1+	0.72%
CP EXPORT IMPORT BANK OF INDIA · Commercial paper	CRISIL-A1+	0.72%
CP EXPORT IMPORT BANK OF INDIA · Commercial paper	CRISIL-A1+	0.72%
CD - UNION BANK OF INDIA - 30/11/2026 · Certificate of deposit	ICRA-A1+	0.72%
CP TVS CREDIT SERVICES LIMITED · Commercial paper	CRISIL-A1+	0.72%
CP RELIANCE RETAIL VENTURES LIMITED · Commercial paper	CRISIL-A1+	0.72%
CP HERO FINCORP LTD. · Commercial paper	CRISIL-A1+	0.72%
CP BAJAJ FINANCIAL SECURITIES LTD · Commercial paper	CRISIL-A1+	0.63%
CP BIRLA GROUP HOLDINGS PRIVATE LIMITED · Commercial paper	CRISIL-A1+	0.63%
CD - KARUR VYSYA BANK LTD - 13/11/2026 · Certificate of deposit	ICRA-A1+	0.54%
CD - SMALL INDST. DEV. BANK OF INDIA - 10/11/2026 · Certificate of deposit	CARE-A1+	0.54%
CD - INDIAN BANK LTD. - 10/12/2026 · Certificate of deposit	CRISIL-A1+	0.54%
CP ADITYA BIRLA CAPITAL LTD · Commercial paper	IND-A1+	0.54%
CP ICICI SECURITIES LTD. · Commercial paper	CRISIL-A1+	0.54%
CP BAJAJ FINANCIAL SECURITIES LTD · Commercial paper	CRISIL-A1+	0.45%
CD - AXIS BANK - 07/12/2026	CRISIL-A1+	0.45%
CP KOTAK SECURITIES LTD. · Commercial paper	CRISIL-A1+	0.36%
CP KOTAK SECURITIES LTD. · Commercial paper	CRISIL-A1+	0.36%
CP BHARAT PETROLEUM CORPORATION LTD. · Commercial paper	CRISIL-A1+	0.36%
CP AXIS SECURITIES LTD · Commercial paper	CRISIL-A1+	0.36%
CP NUVOCO VISTAS CORPORATION LTD · Commercial paper	CRISIL-A1+	0.36%
CP HINDUJA LEYLAND FINANCE LTD. · Commercial paper	CRISIL-A1+	0.36%
CP HINDUJA LEYLAND FINANCE LTD. · Commercial paper	CRISIL-A1+	0.36%
CP SHAREKHAN LTD · Commercial paper	CRISIL-A1+	0.36%
CD - KOTAK MAHINDRA BANK LTD - 21/12/2026	CRISIL-A1+	0.36%
CP GIC HOUSING FINANCE LTD. · Commercial paper	CRISIL-A1+	0.36%
CP INDIA CEMENTS LTD. · Commercial paper	CARE-A1+	0.36%
CP EXPORT IMPORT BANK OF INDIA · Commercial paper	CRISIL-A1+	0.36%
CD - UNION BANK OF INDIA - 06/11/2026 · Certificate of deposit	ICRA-A1+	0.36%
CP TOYOTA FINANCIAL SERVICES INDIA LTD · Commercial paper	CRISIL-A1+	0.36%
CP BARCLAYS INVESTMENTS AND LOANS INDIA PRIVATE LIMITED · Commercial paper	CRISIL-A1+	0.36%
CP INFINA FINANCE PRIVATE LIMITED · Commercial paper	CRISIL-A1+	0.36%
CP AADHAR HOUSING FINANCE LIMITED · Commercial paper	ICRA-A1+	0.36%
CP REDINGTON LTD · Commercial paper	CRISIL-A1+	0.36%
CP HERO FINCORP LTD. · Commercial paper	CRISIL-A1+	0.36%
CP NU VISTA LTD · Commercial paper	CRISIL-A1+	0.36%
NCD LIC HOUSING FINANCE LTD. · Bond	CRISIL-AAA	0.33%
CORPORATE DEBT MARKET DEVT FUND - A2 UNITS	-	0.29%
CD - HDFC Bank Ltd. - 13/11/2026 · Certificate of deposit	CRISIL-A1+	0.27%
CP GODREJ INDUSTRIES LTD. · Commercial paper	CRISIL-A1+	0.27%
CP GODREJ INDUSTRIES LTD. · Commercial paper	CRISIL-A1+	0.27%
CP GODREJ INDUSTRIES LTD. · Commercial paper	CRISIL-A1+	0.27%
CD - Canara Bank - 08/12/2026 · Certificate of deposit	CRISIL-A1+	0.27%
CP NUVAMA WEALTH AND INVESTMENT LIMITED · Commercial paper	CRISIL-A1+	0.27%
CP HSBC INVESTDIRECT FINANCIAL SERVICES (I) LTD. · Commercial paper	CRISIL-A1+	0.27%
CD - HDFC BANK LTD - 19/10/2026 · Certificate of deposit	CARE-A1+	0.18%
CD - AXIS BANK - 27/11/2026	CRISIL-A1+	0.18%
CP CEAT LTD. · Commercial paper	IND-A1+	0.18%
CP CEAT LTD. · Commercial paper	IND-A1+	0.18%
CD - SMALL INDST. DEV. BANK OF INDIA - 04/12/2026 · Certificate of deposit	CARE-A1+	0.18%
CD - INDIAN BANK - 06/11/2026 · Certificate of deposit	CRISIL-A1+	0.18%
CD - AU SMALL FINANCE BANK - 13/11/2026 · Certificate of deposit	CRISIL-A1+	0.09%

UTI - Liquid Fund Portfolio Overlap

Funds with the most similar portfolios, across every fund house and category

Fund	Overlap	Holdings in common
Mirae Asset Liquid FundLiquid · Mirae Asset	20.2%	26	Compare
Kotak Liquid FundLiquid · Kotak Mahindra	19.1%	20	Compare
DSP Liquid FundLiquid · DSP	19.0%	32	Compare
Tata Liquid FundLiquid · Tata	18.4%	19	Compare
ICICI Prudential Liquid FundLiquid · ICICI Prudential	18.2%	27	Compare
Nippon India Liquid FundLiquid · Nippon India	15.8%	24	Compare
Union Liquid FundLiquid · Union	15.2%	17	Compare
HSBC Liquid FundLiquid · HSBC	14.8%	19	Compare

Overlap: for each holding both funds own, the smaller of its two weights, added up. 40% means 40% of each fund's money sits in positions the other also holds. From each fund's latest monthly portfolio, matched by ISIN. Cash and hedged positions are left out. Funds that overlap under 10% are not listed. A high overlap does not make two funds the same: their costs, lock-in and category can differ.

UTI - Liquid Fund Overview

Fund facts from the scheme summary document, as on 16-10-2026

Expense ratio (Direct): 0.15%
Expense ratio (Regular): 0.25%
Category: Liquid
Risk: Moderate
Benchmark: NIFTY Liquid Index A-I
Launch date: 23-06-2003
AUM: ₹27,453.23 Cr (30-09-2026)
Lock in: None
Scheme code (Direct): 120304
ISIN (Direct): INF789F1AD46
Scheme code (Regular): 102012
ISIN (Regular): INF789F1AF85
NAV history: From 01-01-2013, 13.8 years

Minimum investment: 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-Mo
Minimum additional investment: Regular Plan-Quarterly Reinvestment of IDCW-Rs.500, Regular Plan-Quarterly Payout of IDCW-Rs.500, Regular Plan-Reinvestment of IDCW-Rs.500, Regular Plan-Payout of IDCW-Rs.500, Regular Plan-Weekly Reinvestment of IDCW-Rs.500, Regular Plan-Monthly Reinvestm
Exit load: Exit load of 0.0070% if redeemed within 1 day, 0.0065% if redeemed within 2 days, 0.0060% if redeemed within 3 days, 0.0055% if redeemed within 4 days, 0.0050% if redeemed within 5 days, 0.0045% if redeemed within 6 days.

Tax on UTI - Liquid Fund returns

UTI - Liquid Fund is taxed as a debt fund: 65% or more of it is in bonds and money market papers.
For units bought on or after 01-04-2023, the gain is added to your income and taxed at your slab rate, however long you hold the units.
IDCW (dividend) payouts are added to your income and taxed at your slab rate.
A stamp duty of 0.005% is deducted when you invest.

Rules in force from 23-07-2024 (Finance Act 2024). Tax depends on your own income; this is general information, not tax advice.

All plans and options

Plan	Option	NAV	As on
direct	Growth	₹469.2458	30-10-2026
direct	Annual IDCW	₹206.3683	30-10-2026
direct	Reinvestment Daily IDCW	₹106.5304	30-10-2026
direct	Flexi IDCW	₹169.9742	30-10-2026
direct	Fortnightly IDCW	₹115.8197	30-10-2026
direct	Half Yearly IDCW	₹161.2006	30-10-2026
direct	Monthly IDCW	₹104.8768	30-10-2026
direct	Quarterly IDCW	₹194.9008	30-10-2026
direct	Weekly IDCW	₹106.7169	30-10-2026
regular	Growth	₹464.4276	30-10-2026
regular	Discontinued Growth	₹421.4403	30-10-2026
regular	Annual IDCW	₹204.7851	30-10-2026
regular	Reinvestment Daily IDCW	₹122.2529	30-10-2026
regular	Flexi IDCW	₹168.7794	30-10-2026
regular	Fortnightly IDCW	₹115.7337	30-10-2026
regular	Half Yearly IDCW	₹142.6805	30-10-2026
regular	Monthly IDCW	₹109.5591	30-10-2026
regular	Quarterly IDCW	₹193.3626	30-10-2026
regular	Weekly IDCW	₹105.414	30-10-2026
regular	Discontinued Monthly Dividend	₹106.8263	30-10-2026
regular	Discontinued Periodic Dividend	₹114.1919	30-10-2026

About UTI - Liquid Fund

UTI - Liquid Fund is a mutual fund from UTI Mutual Fund. Its category is Liquid. It was launched on 23-06-2003. Its benchmark is NIFTY Liquid Index A-I. At the end of September 2026 it held 106 securities.

Fund Manager

Amit Sharma FM 1
Fund manager of UTI - Liquid Fund
Not Applicable FM 2
Fund manager of UTI - Liquid Fund
Not Applicable FM 3
Fund manager of UTI - Liquid Fund

See all funds of UTI Mutual Fund

AUM change

September 2026: ₹27,453.23 Cr; −6.04% from August 2026
August 2026: ₹29,217.85 Cr; +9.32% from July 2026
July 2026: ₹26,727.50 Cr; −3.27% from June 2026

AUM moves with money invested or taken out, and with the value of what the fund holds.

Compare UTI - Liquid Fund with Other Funds

Returns, risk, costs and the stocks they share, side by side

UTI - Liquid vs Aditya Birla Sun Life LiquidLiquid
UTI - Liquid vs Axis LiquidLiquid
UTI - Liquid vs Edelweiss LiquidLiquid
UTI - Liquid vs Franklin India LiquidLiquid
UTI - Liquid vs Sundaram LiquidLiquid
UTI - Liquid vs Mirae Asset Liquid20.2% overlap
UTI - Liquid vs Kotak Liquid19.1% overlap
UTI - Liquid vs DSP Liquid19.0% overlap

Compare with any other fund

Frequently Asked Questions for UTI - Liquid Fund

What is the current NAV of UTI - Liquid Fund?

The Direct plan NAV is ₹469.2458. The Regular plan NAV is ₹464.4276, as on 30-10-2026.

What are the returns of UTI - Liquid Fund?

The Direct plan returned +6.50% in 1 year, +6.92% a year over 3 years, +6.43% a year over 5 years. The Regular plan returned +6.39% in 1 year, +6.82% a year over 3 years, +6.34% a year over 5 years. These figures are as on 30-10-2026.

What is the expense ratio of UTI - Liquid Fund?

The Direct plan charges 0.15% a year. The Regular plan charges 0.25% a year. This is the figure the fund house reported to AMFI, in force from 01-09-2026.

What is the AUM of UTI - Liquid Fund?

UTI - Liquid Fund managed ₹27,453.23 Cr on 30-09-2026, as its fund house reported in its monthly portfolio.

What are the top holdings of UTI - Liquid Fund?

At the end of September 2026 the largest holdings were 91 DAYS T-BILL - 19/11/2026 (4.52%), CD - UCO BANK - 04/11/2026 (3.44%), CP NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT (2.71%), CP SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA (2.52%), CD - HDFC BANK - 04/12/2026 (2.34%). The fund held 106 securities in all.

How do I invest in UTI - Liquid Fund?

Through UTI Mutual Fund's website or app, a mutual fund distributor, or an investment platform. Choose the Direct plan to pay no distributor commission, or the Regular plan to invest through a distributor. The first investment is at least 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-Mo. You can invest once or through a monthly SIP.

Who is the fund manager of UTI - Liquid Fund?

Amit Sharma FM 1, Not Applicable FM 2, Not Applicable FM 3.

What is the exit load of UTI - Liquid Fund?

Exit load of 0.0070% if redeemed within 1 day, 0.0065% if redeemed within 2 days, 0.0060% if redeemed within 3 days, 0.0055% if redeemed within 4 days, 0.0050% if redeemed within 5 days, 0.0045% if redeemed within 6 days.

Sources: NAV and expense ratio from AMFI. Holdings from the fund house's monthly portfolio statement. Fund facts from its scheme summary document, as on 16-10-2026.

This page is information, not investment advice. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Past returns do not promise future returns. Figures come from AMFI, NSE, BSE and each fund house's own documents.