Sharpe ratio
-1.06Return earned for the risk taken.
Negative
Negative means the fund has not rewarded investors well for the risk taken recently.
+6.46%1Y Absolute Return
+0.00%1D
Loading NAV history…
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 MMF - Direct Plan - Growth OptionFund 5Y annualised return | ₹8,63,583 | ₹7,32,612 | ₹1,30,971 | +6.81% |
| 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₹1.07
₹1 Lakh since launch₹1.07 Lakh
Fund age13.9 yrs
Fund information
Scheme code120299
ISININF789F01XV6
BenchmarkCRISIL Money Market A-I Index
CategoryDebt Scheme - Money Market Fund
Expense ratio0.15%
Exit loadNil
Minimum SIP₹500 SIP
Return comparison
18th / 186 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +5.56% | — | — |
| 3M | +6.10% | — | — |
| 6M | +7.26% | — | — |
| 1Y | +6.46% | — | +2.65% |
| 3Y | +7.34% | — | +3.43% |
| 5Y | +6.81% | — | +3.19% |
| 10Y | +6.72% | — | — |
| Since Launch | +7.28% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
-2.91Return earned while limiting downside risk.
Negative
Negative means downside losses have outweighed the returns.
Standard deviation
0.53%How much the fund’s returns fluctuate over time.
Low volatility
Returns have been relatively stable.
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
9.59How well the fund rewarded investors relative to its biggest decline.
Excellent
Excellent balance between returns and 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
Portfolio100%
Debt100.06%
Market cap allocation
Market-cap classifications were not present in the latest portfolio disclosure.
Sector allocation
Equity exposure by sector
Top holdings
10 of 102 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| GOVERNMENT OF INDIA 37222 182 DAYS TBILL 18SP26 FV RS 100 | Financial | Treasury Bills | 3.7343% |
| INDIAN BANK CD 05FEB27 | Financial | Certificate of Deposit | 3.284% |
| NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT CD 22JAN27 | Financial | Certificate of Deposit | 2.1935% |
| NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT CD 28JAN27 | Financial | Certificate of Deposit | 2.1913% |
| SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA CD 26FEB27 | Financial | Commercial Paper | 2.1794% |
| INDUSIND BANK LTD. CD 07DEC26 | Financial | Certificate of Deposit | 1.9338% |
| CANARA BANK CD 12FEB27 | Financial | Certificate of Deposit | 1.9133% |
| HDFC BANK LIMITED CD 24FEB27 | Financial | Certificate of Deposit | 1.9083% |
| NATIONAL BANK FOR FINANCING INFRASTRUCTURE AND DEVELOPMENT CD 02MAR27 | Financial | Certificate of Deposit | 1.9054% |
| SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA CD 04DEC26 | Financial | Certificate of Deposit | 1.7987% |
Fund management
AN
Anurag Mittal
Since 2021 · Prior to joining UTI Mutual Fund, he worked with IDFC AMC, HDFC AMC ( Sept. 2012 - Oct. 2015), Axis AMC (July 2009 - Sept. 2012), ICICI Prudential Life Insurance Company Ltd. as Credit Research Analyst (2008-2009) and with Bank of America in Corporate Banking (2006-2008).
Mr. Mittal is B.Com. (Hons), CA and M.Sc. in Accounting and Finance (specialization in Finance) from London School of Economics & Political Science.
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
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Summary
A moderate-risk debt scheme - money market fund. Same fund manager for 9+ years — the strategy has not chopped and changed.
Strengths
- Same fund manager for 9+ years — the strategy has not chopped and changed.
- Ranks 18 of 186 in its category over 1 year.
Weaknesses
- None
Ideal investor
- Suited for a few days to 3 months and emergency or idle cash.
Risk drivers
- None