Sharpe ratio
-0.30Return earned for the risk taken.
Negative
Negative means the fund has not rewarded investors well for the risk taken recently.
-89.36%1Y Absolute Return
+0.04%1D
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Past performance is not an indicator of future returns.
Returns calculator comparison
Compare an illustrative investment outcome across return assumptions.
| Asset | Projected corpus | Total invested | Gain | Annual return |
|---|---|---|---|---|
| UTI- Liquid Cash Plan - Direct Plan - Growth OptionFund 5Y annualised return | ₹3,73,324 | ₹7,32,612 | ₹-3,59,288 | -32.84% |
| EPFIllustrative annual assumption | ₹8,95,132 | ₹7,32,612 | ₹1,62,520 | +8.25% |
| Residential propertyIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| PPFIllustrative annual assumption | ₹8,69,819 | ₹7,32,612 | ₹1,37,207 | +7.10% |
| Bank fixed depositIllustrative annual assumption | ₹8,56,981 | ₹7,32,612 | ₹1,24,369 | +6.50% |
| GoldIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| Savings accountIllustrative annual assumption | ₹7,86,827 | ₹7,32,612 | ₹54,215 | +3.00% |
Illustration only. Fund results use the available NAV-derived annualised return and can be negative. Reference rows are assumptions, not current quoted rates or guaranteed returns; property excludes transaction costs, taxes, and liquidity constraints. Mutual fund investments are subject to market risk.
Wealth multiple
₹1 became₹0.90
₹1 Lakh since launch₹0.90 Lakh
Fund age13.9 yrs
Fund information
Scheme code120304
ISININF789F1AD46
BenchmarkNIFTY Liquid Index A-I
CategoryDebt Scheme - Liquid Fund
Expense ratio0.17%
Exit loadExit 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.
Minimum SIP₹2,500 SIP
Return comparison
281st / 360 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +6.85% | — | — |
| 3M | +6.36% | — | — |
| 6M | -98.95% | — | — |
| 1Y | -89.36% | — | -3.10% |
| 3Y | -50.39% | — | -0.91% |
| 5Y | -32.84% | — | -1.97% |
| 10Y | -15.71% | — | — |
| Since Launch | -9.52% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
-0.30Return earned while limiting downside risk.
Negative
Negative means downside losses have outweighed the returns.
Standard deviation
78.31%How much the fund’s returns fluctuate over time.
Very high volatility
Expect large price swings and higher risk.
Beta
—How closely the fund moves with the market.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Alpha
—Extra return generated above the benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Treynor ratio
—Return earned for each unit of market risk taken.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Calmar ratio
-0.11How well the fund rewarded investors relative to its biggest decline.
Negative
The fund has struggled to recover from its drawdowns.
Information ratio
—How consistently the fund outperformed its benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Portfolio allocation
Latest disclosed portfolio mix
Asset allocation
Portfolio105%
Debt105.29%
Market cap allocation
Market-cap classifications were not present in the latest portfolio disclosure.
Sector allocation
Equity exposure by sector
Top holdings
10 of 108 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| GOVERNMENT OF INDIA 37448 091 DAYS TBILL 20AG26 FV RS 100 | Financial | Treasury Bills | 7.4201% |
| Reliance Retail Ventures Ltd** | Diversified | Commercial Paper | 3.0342% |
| HDFC BANK LIMITED CD 10SEP26 | Financial | Certificate of Deposit | 2.8599% |
| ICICI Bank Limited (15/09/2026) | Financial | Certificate of Deposit | 2.6795% |
| GOVERNMENT OF INDIA 37410 091 DAYS TBILL 30JL26 FV RS 100 | Financial | Treasury Bills | 2.5229% |
| BANK OF INDIA** | Financial | Certificate of Deposit | 2.4994% |
| GOVERNMENT OF INDIA 37078 182 DAYS TBILL 13AG26 FV RS 100 | Financial | Treasury Bills | 2.4459% |
| HDFC BANK LIMITED CD 24AUG26 | Financial | Certificate of Deposit | 2.3307% |
| CENTRAL BANK OF INDIA CD 01SEP26 | Financial | Certificate of Deposit | 2.1482% |
| ICICI SECURITIES LIMITED 91D CP 06AUG26 | Financial | Commercial Paper | 1.7973% |
Fund management
AM
Amit Sharma
Since 2017 · He has been associated with the Dept. of Fund Management of UTI for the past 5 years.
Mr. Sharma is a B.Com, CA, FRM
Compare similar funds
No comparable category funds are available yet.
Summary
A moderate-risk debt scheme - liquid fund. Same fund manager for 9+ years — the strategy has not chopped and changed. Trailing its category average over 3Y by 49.5 points.
Strengths
- Same fund manager for 9+ years — the strategy has not chopped and changed.
Weaknesses
- Trailing its category average over 3Y by 49.5 points.
- Worst fall of -90.00% is larger than this category should typically see.
- Ranks 281 of 360 in its category over 1 year.
Ideal investor
- Suited for a few days to 3 months and emergency or idle cash.
Risk drivers
- None