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UTI - Liquid Fund - Direct Plan - Flexi

Q: What is the NAV of UTI - Liquid Fund - Direct Plan - Flexi?

As of 20 Aug 2026, the NAV of UTI - Liquid Fund - Direct Plan - Flexi is ₹168.05 per unit. NAV (net asset value) is the fund's per-unit price, published once each business day.

Q: What returns has UTI - Liquid Fund - Direct Plan - Flexi delivered?

UTI - Liquid Fund - Direct Plan - Flexi has returned +6.47% over 1 year, +6.98% per year over 3 years, +6.32% per year over 5 years and +5.92% 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 - Liquid Fund - Direct Plan - Flexi?

UTI - Liquid Fund - Direct Plan - Flexi charges an expense ratio of 0.17% 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 - Liquid Fund - Direct Plan - Flexi?

Its largest holdings are GOVERNMENT OF INDIA 37448 091 DAYS TBILL 20AG26 FV RS 100 (7.7%), Reliance Retail Ventures Ltd** (3.1%), HDFC BANK LIMITED CD 10SEP26 (3.1%), ICICI Bank Limited (15/09/2026) (2.8%) and BANK OF INDIA** (2.6%). Holdings are disclosed monthly and change over time.

Q: How risky is UTI - Liquid Fund - Direct Plan - Flexi?

It is rated low on SEBI's risk-o-meter, its trailing-3Y volatility (annualised) is 0.2% and its worst peak-to-trough fall in our sample was -0.2%. 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 - Liquid Fund - Direct Plan - Flexi?

UTI - Liquid Fund - Direct Plan - Flexi is benchmarked against the NIFTY Liquid Index A-I. Its alpha and beta on this page are measured against that index.

Q: Who manages UTI - Liquid Fund - Direct Plan - Flexi?

UTI - Liquid Fund - Direct Plan - Flexi is managed by Amit Sharma at UTI.

Q: How is UTI - Liquid Fund - Direct Plan - Flexi taxed?

UTI - Liquid Fund - Direct Plan - Flexi 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 Liquid Mutual Funds

NAV

₹168.05

+0.01% 1D

as of 20 Aug 2026

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NAV history

+6.48%CAGR

52-week rangePrev NAV ₹168.03

Latest ₹168.05

Low ₹157.83100th percentile of its 52-week rangeHigh ₹168.05

Scorecard

★★★★★5/5 vs 115 of 126 Liquid Fund peers

Performance 60%
Risk 15%
Cost 10%
Downside 15%

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. The stars weight the same ground 60/15/10/15 (performance/risk/cost/downside) across every fund in the peer group. Ranked within Liquid Fund (same plan and option). 115 of the 126 Liquid Funds in this cohort carry the full record the stars need, so they are the ones ranked against.

PerformanceStrong

3Y CAGR +6.98% · ranks 2 of 126 Liquid Funds

RiskLow

Volatility 0.2% vs 1.0% category avg

CostHigh

0.2% expense vs 0.1% category avg

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

Ahead of the Liquid Fund average on 1M/3M/6M/1Y — 1Y by 5.87pp
3-year return (+6.98%) beats the Liquid Fund average (+1.04%)
5-year return (+6.32%) beats the Liquid Fund average (+1.01%)
Ranks #3 of 126 on 1-year return in its Liquid Fund cohort
Less volatile than its Liquid Fund peers (0.2% vs 1.0%)

Concerns

High expense ratio (0.17%) vs the Liquid Fund average of 0.15%

Key Metrics

Annual fee charged by the fund, already deducted from NAV

Category 0.15%

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

Category —

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

—

Category -5.29

Scheme Info

Definitions

Plan

Direct · IDCW

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

Exit Load

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

0.005%

SIP Inv.

Smallest recurring SIP instalment the scheme accepts

Smallest one-time (lumpsum) investment the scheme accepts

Benchmark

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.

14 Aug 2017

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

Definitions

Absolute return over the last 1 month (not annualized)

+0.54%

Absolute return over the last 3 months (not annualized)

+1.71%

Absolute return over the last 6 months (not annualized)

+3.37%

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

+4.22%

Annualized returns (≥1Y — CAGR)

Definitions

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

+6.47%

3-year annualized return (CAGR)

+6.98%

5-year annualized return (CAGR)

+6.32%

10-year annualized return (CAGR)

—

Annualized return (CAGR) since the fund's inception

+5.92%

Advanced metrics — risk

Risk (trailing 3Y)

Definitions

Annualized standard deviation of daily returns

0.16%

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

-0.25%

Benchmark ratios

Not shown for Liquid 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 (Liquid Fund)

Period	Fund	Category avg.	Diff
1M abs	+0.54%	0.00%	+0.54%
3M abs	+1.71%	+0.14%	+1.57%
6M abs	+3.37%	+0.26%	+3.11%
1Y CAGR	+6.47%	+0.60%	+5.87%
3Y CAGR	+6.98%	+1.04%	+5.94%
5Y CAGR	+6.32%	+1.01%	+5.31%

Category average across peers in Liquid Fund (125 of 126 carry a figure for at least one period), 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.

Category rank

Vs 126 peers in Liquid Fund

1Y return

+6.47%

Beats 95.7% · rank #3

3Y return

+6.98%

Beats 96.5% · rank #2

5Y return

+6.32%

Beats 97.2% · rank #2

Sharpe

—

Sortino

—

Rolling returns

Return for every possible 1Y holding period, not just today’s

Average

+5.7%

Median

+6.3%

Best

+7.5%

Worst

+1.8%

Positive periods

100.0%

89 overlapping 1Y windows, sampled monthly across the fund’s history.

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

₹7.08L

Absolute

+18.06%

XIRR

+6.79%

Value vs. invested

60 monthly installments of ₹10,000 into UTI - Liquid Fund - Direct Plan - Flexi, 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	+4.24%
2025	+6.62%
2024	+7.43%
2023	+7.14%
2022	+4.91%
2021	+3.38%
2020	+4.28%
2019	+6.69%
2018	+6.82%
2017part	+1.91%

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

2,534

Expense ratio

AUM

Portfolio turnover

Exit load

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 · Liquid Fund

Compare all


UTI - Liquid Fund - Direct Plan - FlexiThis fund UTI	★★★★★	+6.47%	+6.98%	+6.32%	—	0.17%	₹1.22Cr
Canara Robeco Liquid Fund - Direct Plan - Unclaimed Redemption and Canara Robeco	★★★★★	+6.46%	+7.03%	+6.36%	—	—	—
UTI - Liquid Fund UTI	★★★★★	+6.47%	+6.98%	+6.32%	—	0.17%	₹31,753Cr
UTI - Liquid Fund UTI	★★★★★	+6.47%	+6.98%	+6.32%	—	0.17%	₹31,753Cr
UTI - Liquid Fund UTI	★★★★★	+6.47%	+6.98%	+6.32%	—	0.17%	₹31,753Cr
ICICI Prudential Liquid Fund ICICI Prudential	★★★★★	+6.42%	+6.96%	+5.43%	—	0.20%	₹58,728Cr

Fund size over time

Quarterly average AUM · AMFI

₹1.22Cr

April - June 2026

+17%

since January - March 2026

At or near its largest, ₹1.22Cr 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.

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 Liquid funds

Liquid funds invest in very short-term debt (maturing within 91 days). They're used to park money for days or weeks — low risk and easy to redeem, but low return too.

Frequently asked questions

What is the NAV of UTI - Liquid Fund - Direct Plan - Flexi?

As of 20 Aug 2026, the NAV of UTI - Liquid Fund - Direct Plan - Flexi is ₹168.05 per unit. NAV (net asset value) is the fund's per-unit price, published once each business day.

What returns has UTI - Liquid Fund - Direct Plan - Flexi delivered?

UTI - Liquid Fund - Direct Plan - Flexi has returned +6.47% over 1 year, +6.98% per year over 3 years, +6.32% per year over 5 years and +5.92% 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 - Liquid Fund - Direct Plan - Flexi?

UTI - Liquid Fund - Direct Plan - Flexi charges an expense ratio of 0.17% 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 - Liquid Fund - Direct Plan - Flexi?

Its largest holdings are GOVERNMENT OF INDIA 37448 091 DAYS TBILL 20AG26 FV RS 100 (7.7%), Reliance Retail Ventures Ltd** (3.1%), HDFC BANK LIMITED CD 10SEP26 (3.1%), ICICI Bank Limited (15/09/2026) (2.8%) and BANK OF INDIA** (2.6%). Holdings are disclosed monthly and change over time.

How risky is UTI - Liquid Fund - Direct Plan - Flexi?

It is rated low on SEBI's risk-o-meter, its trailing-3Y volatility (annualised) is 0.2% and its worst peak-to-trough fall in our sample was -0.2%. 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 - Liquid Fund - Direct Plan - Flexi?

UTI - Liquid Fund - Direct Plan - Flexi is benchmarked against the NIFTY Liquid Index A-I. Its alpha and beta on this page are measured against that index.

Who manages UTI - Liquid Fund - Direct Plan - Flexi?

UTI - Liquid Fund - Direct Plan - Flexi is managed by Amit Sharma at UTI.

How is UTI - Liquid Fund - Direct Plan - Flexi taxed?

UTI - Liquid Fund - Direct Plan - Flexi 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.