DebtMoney Market FundRegularIDCWLow

UTI - Money Market Fund

Q: What is the NAV of UTI - Money Market Fund?

As of 01 Oct 2026, the NAV of UTI - Money Market Fund is ₹1,877.57 per unit. NAV (net asset value) is the fund's per-unit price, published once each business day.

Q: What returns has UTI - Money Market Fund delivered?

UTI - Money Market Fund has returned +6.42% over 1 year, +7.29% per year over 3 years, +6.67% per year over 5 years and +5.71% per year since inception. Figures beyond one year are annualised (CAGR) and are computed from AMFI NAV history, so they may differ slightly from other portals.

Q: What is the expense ratio of UTI - Money Market Fund?

UTI - Money Market Fund charges an expense ratio of 0.29% per year. This annual fee is already deducted from the NAV, so the returns you see are net of it.

Q: What are the top holdings of UTI - Money Market Fund?

UTI - Money Market Fund's largest holdings are 182 DAYS T-BILL - 18/09/2026 (3.4%), 182 DAYS T-BILL - 04/02/2027 (2.5%), NABARD - 22/01/2027 (2.0%), NABARD - 28/01/2027 (2.0%) and INDIAN BANK - 05/02/2027 (2.0%). Holdings are disclosed monthly and change over time.

Q: How risky is UTI - Money Market Fund?

UTI - Money Market Fund is rated low on SEBI's risk-o-meter, its trailing-3Y volatility (annualised) is 0.4% and its worst peak-to-trough fall in our sample was -1.7%. Higher volatility means the NAV swings more; the drawdown shows how far it has fallen from a peak historically.

Q: What is the benchmark of UTI - Money Market Fund?

UTI - Money Market Fund is benchmarked against the CRISIL Money Market A-I Index. Its alpha and beta on this page are measured against that index.

Q: Who manages UTI - Money Market Fund?

UTI - Money Market Fund is managed by Anurag Mittal and Amit Sharma at UTI.

Q: How is UTI - Money Market Fund taxed?

UTI - Money Market Fund is a debt / non-equity fund. Since April 2023 there is no long-term or indexation benefit — capital gains are added to your income and taxed at your income-tax slab rate regardless of how long you held the units.

UTI Mutual Fund · Best Money Market Mutual Funds

NAV

₹1,877.57

+0.03% 1D

as of 01 Oct 2026

This is the Regular plan of UTI - Money Market Fund — bought through a distributor, whose commission is paid out of its expense ratio. Income is distributed twice a year, which is why this NAV sits below the growth plan of the same fund.

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NAV history

+6.45%CAGR

52-week rangePrev NAV ₹1,876.93

Latest ₹1,877.57

Low ₹1,764.24100th percentile of its 52-week rangeHigh ₹1,877.57

Scorecard

Not rated

How this is computed

Each verdict is computed from this fund's own metrics against its sub-category — the number behind it is shown, not a black-box rating. Not rated — too few comparable Debt funds (same plan and option) to rank against yet.

Performance—

Not enough Money Market Fund peers to rank yet

Risk—

Volatility 0.4% (no category average yet)

Cost—

0.3% expense (no category average yet)

ConsistencyHigh

100% of rolling 3Y windows were positive

Strengths & concerns

Generated from this fund's own numbers against its sub-category — each point names the figure behind it.

Strengths

Consistent — positive in 100% of rolling 3-year windows

Concerns

No significant concerns identified.

Key Metrics

Annual fee charged by the fund, already deducted from NAV

0.29%

Category —

Portfolio-weighted harmonic mean P/E across the fund's equity holdings

—

Category —

Excess return per unit of total volatility (rf = 6.5%)

—

Category —

Scheme Info

Definitions

Plan

Regular · IDCW

Period before units can be redeemed — 3 years for ELSS, none for most open-ended funds

None

Exit Load

None

Statutory levy on every mutual-fund purchase since 1 Jul 2020 (SEBI / Govt of India) — the same for every scheme

0.005%

SIP Inv.

Allowed

Smallest recurring SIP instalment the scheme accepts

₹500

Smallest one-time (lumpsum) investment the scheme accepts

₹20,000

CRISIL Money Market A-I Index

Start of our NAV history for this plan. Direct plans begin 1 Jan 2013, so this is the plan's inception — not necessarily the scheme's original launch date.

01 Jun 2015

Period returns (<1Y, absolute — not annualized)

Definitions

Absolute return over the last 1 month (not annualized)

+0.52%

Absolute return over the last 3 months (not annualized)

+1.59%

Absolute return over the last 6 months (not annualized)

+3.60%

Absolute return since 1 Jan of this year (not annualized)

+4.87%

Annualized returns (≥1Y — CAGR)

Definitions

1-year point-to-point return, annualized (CAGR)

+6.42%

3-year annualized return (CAGR)

+7.29%

5-year annualized return (CAGR)

+6.67%

10-year annualized return (CAGR)

+6.39%

Annualized return (CAGR) since the first NAV we hold for this plan — the Inception date under Key metrics. AMFI's history starts in April 2006, so an older scheme is measured from there.

+5.71%

Advanced metrics — risk

Risk (trailing 3Y)

Definitions

Annualized standard deviation of daily returns

0.42%

Excess return per unit of total volatility (rf = 6.5%)

—

Excess return per unit of downside deviation — upside swings aren't penalized (rf = 6.5%)

—

Largest peak-to-trough decline over full history

-1.72%

Benchmark ratios

Not shown for Money Market Fund — a debt, arbitrage or cash-like fund isn't measured against an equity index, so alpha/beta vs one would be noise rather than signal.

Fund vs category average (Money Market Fund)

Period	Fund	Category avg.	Diff
1M abs	+0.52%	—	—
3M abs	+1.59%	—	—
6M abs	+3.60%	—	—
1Y CAGR	+6.42%	—	—
3Y CAGR	+7.29%	—	—
5Y CAGR	+6.67%	—	—

Category average across peers in Money Market Fund, same plan and option, excluding this fund. Under-1-year figures are absolute; 1Y and beyond are annualised (CAGR).

Not sure what a figure means? The glossary explains every metric, and the methodology shows the formulas.

Backtest this fund

What a SIP or one-time investment would have grown to over this fund’s real NAV history.

Monthly investment (₹)

Period

Invested

₹6.00L

Current value

₹7.14L

Absolute

+18.99%

XIRR

+7.11%

Value vs. invested

ValueInvested

60 monthly installments of ₹10,000 into UTI - Money Market Fund, valued at the latest NAV. XIRR annualizes for each installment’s timing.

Calendar-year returns

What the fund actually returned in each year, not the smoothed average.

Year	Fund
2026part	+4.87%
2025	+7.48%
2024	+7.74%
2023	+7.44%
2022	+4.91%
2021	+3.75%
2020	+6.03%
2019	+7.98%
2018	+7.78%
2017	+6.67%

January–December, from this fund's NAV history. Absolute return, not annualised. “part” marks a year the fund didn't run end to end — its first year, the current year so far, or one it stopped reporting in.

History points

2,655

Expense ratio

0.29%

AUM

₹564.74Cr

YTM (from holdings)

6.84%

Average maturity

151 days

Exit load

Nil

Taxation

Taxed as debt

This is a debt / non-equity fund. Since April 2023 there is no long-term or indexation benefit — every rupee of gain is added to your income and taxed at your income-tax slab rate, whatever the holding period.

Any holding period

30%

Short- and long-term alike

Your income-tax slab — no LTCG or indexation benefit

Your income-tax slab

Pick your slab to see the rate that applies to you.

Applies to capital gains on redemption. Excludes IDCW/dividend tax, STT, surcharge and cess, and pre-2018 equity grandfathering. For research only — consult a tax advisor before filing.

Peer comparison · Money Market Fund

Compare all


UTI - Money Market FundThis fund UTI · Regular · Half-Yearly IDCW	—	+6.42%	+7.29%	+6.67%	—	0.29%	₹564.74Cr
UTI - Money Market Fund UTI · Regular · Flexi IDCW	—	+6.42%	+7.29%	—	—	—	₹1.60L
UTI - Money Market Fund UTI · Regular · Annual IDCW	—	+6.42%	+7.29%	+6.67%	—	0.29%	₹564.74Cr
ICICI Prudential Money Market Fund - Cash ICICI Prudential · Regular · Others · IDCW	—	+6.36%	+7.25%	+5.74%	—	—	—
UTI - Money Market Fund UTI · Regular · Discontinued · Flexi IDCW	—	+6.42%	+7.10%	+6.34%	—	—	₹1.60L
Mirae Asset Money Market Fund Mirae Asset · Regular · IDCW	—	+6.12%	+7.05%	+6.26%	—	0.42%	₹3,971Cr

Asset allocation

As on 31 Aug 2026 · AMC disclosure

Debt97.26%
Cash & Equivalents2.75%

Cash & cash-like: 35.35% — the 2.75% above plus treasury bills, certificates of deposit, commercial paper and TREPS, which the allocation files under Debt but the market counts as cash-equivalent.

which companies this fund invests in

As on 31 Aug 2026 · AMC disclosure

NABARD - 22/01/2027

2.00%

NABARD - 28/01/2027

2.00%

INDIAN BANK - 05/02/2027

2.00%

SMALL INDST. DEV. BANK OF INDIA - 26/02/2027

1.99%

INDUS IND BANK - 07/12/2026

1.77%

CANARA BANK - 12/02/2027

1.75%

HDFC BANK LTD - 24/02/2027

1.74%

NATIONAL BANK FOR FIN INFRA & DEV - 02/03/2027

1.74%

KOTAK MAHINDRA BANK LTD - 12/02/2027

1.62%

NABARD - 19/01/2027

1.50%

Fund size over time

Quarterly average AUM · AMFI

₹564.74Cr

April - June 2026

+289%

since January - March 2026

At or near its largest, ₹564.74Cr in April - June 2026. Size matters most where the mandate is narrow — a large small-cap or a very large flexi-cap book is harder to move without moving the price.

AMC Profile

UTI Mutual Fund descends from the Unit Trust of India, which was effectively the whole Indian mutual fund industry from 1963 until private managers were allowed in. It was carved out as a SEBI-registered fund house in 2003, is listed on the exchanges, and is held by SBI, LIC, Bank of Baroda, PNB and T. Rowe Price rather than a single parent.

Launched

13 Nov 2002

Total AUM

₹3,92,691Cr+1.1% QoQ

Avg AUM · April - June 2026

Website

utimf.com

Fund Managers

AMAnurag MittalStart date not disclosed

Role

Executive Vice President & Head- Fixed Income

Education

B Com, MSc, B.Com from University of Delhi, Chartered Accountant

Experience

He is B.Com from holder from Institute of working with Bandhan had been associated with has total work

Funds managed (15)

All schemes Anurag Mittal runs →

ASAmit SharmaStart date not disclosed

Role

Senior Vice President- Fixed Income

Education

B.Com, CA, FRM

Experience

He joined UTI in 2008. He has worked in Department of Fund Accounts. He is a B.Com graduate and C.A. He has been associated with the Dept. of Fund Management for the past

Funds managed (9)

All schemes Amit Sharma runs →

Fund manager, benchmark and dealing terms from this scheme's SEBI-filed Scheme Information Document on AMFI. Each manager's qualifications and role are reconciled across every filing this fund house makes for them, including its Statement of Additional Information. Total AUM via AMFI.

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Fund managers

Anurag Mittal Amit Sharma

UTI in the news

Headlines about the fund house, not this scheme in particular — highlights only; tap through to read the full story at the source.

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Returns and risk are computed from NAV history and may differ slightly from other portals due to methodology (rolling vs point-to-point, dividend treatment). For research only — not investment advice.

About Money Market funds

Money market funds hold only money market instruments — treasury bills, commercial paper, certificates of deposit — maturing within one year. The one-year ceiling is on each instrument, which keeps both interest-rate and credit risk short.

Frequently asked questions

What is the NAV of UTI - Money Market Fund?

As of 01 Oct 2026, the NAV of UTI - Money Market Fund is ₹1,877.57 per unit. NAV (net asset value) is the fund's per-unit price, published once each business day.

What returns has UTI - Money Market Fund delivered?

UTI - Money Market Fund has returned +6.42% over 1 year, +7.29% per year over 3 years, +6.67% per year over 5 years and +5.71% per year since inception. Figures beyond one year are annualised (CAGR) and are computed from AMFI NAV history, so they may differ slightly from other portals.

What is the expense ratio of UTI - Money Market Fund?

UTI - Money Market Fund charges an expense ratio of 0.29% per year. This annual fee is already deducted from the NAV, so the returns you see are net of it.

What are the top holdings of UTI - Money Market Fund?

UTI - Money Market Fund's largest holdings are 182 DAYS T-BILL - 18/09/2026 (3.4%), 182 DAYS T-BILL - 04/02/2027 (2.5%), NABARD - 22/01/2027 (2.0%), NABARD - 28/01/2027 (2.0%) and INDIAN BANK - 05/02/2027 (2.0%). Holdings are disclosed monthly and change over time.

How risky is UTI - Money Market Fund?

UTI - Money Market Fund is rated low on SEBI's risk-o-meter, its trailing-3Y volatility (annualised) is 0.4% and its worst peak-to-trough fall in our sample was -1.7%. Higher volatility means the NAV swings more; the drawdown shows how far it has fallen from a peak historically.

What is the benchmark of UTI - Money Market Fund?

UTI - Money Market Fund is benchmarked against the CRISIL Money Market A-I Index. Its alpha and beta on this page are measured against that index.

Who manages UTI - Money Market Fund?

UTI - Money Market Fund is managed by Anurag Mittal and Amit Sharma at UTI.

How is UTI - Money Market Fund taxed?

UTI - Money Market Fund is a debt / non-equity fund. Since April 2023 there is no long-term or indexation benefit — capital gains are added to your income and taxed at your income-tax slab rate regardless of how long you held the units.