Sharpe ratio
0.25Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+5.27%1Y Absolute Return
+0.03%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 - Overnight Fund - Direct Plan - Growth OptionFund 5Y annualised return | ₹8,42,106 | ₹7,32,612 | ₹1,09,494 | +5.79% |
| 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₹1.48
₹1 Lakh since launch₹1.48 Lakh
Fund age13.8 yrs
Fund information
Scheme code120785
ISININF789FB1S71
BenchmarkCRISIL Liquid Overnight Index
CategoryDebt Scheme - Overnight Fund
Expense ratio0.09%
Exit loadNil
Minimum SIP₹500 SIP
Return comparison
37th / 226 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +5.73% | — | — |
| 3M | +5.32% | — | — |
| 6M | +5.29% | — | — |
| 1Y | +5.27% | — | +2.44% |
| 3Y | +6.00% | — | +2.51% |
| 5Y | +5.79% | — | +4.17% |
| 10Y | +66.83% | — | — |
| Since Launch | +48.12% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
2213.99Return earned while limiting downside risk.
Excellent
Excellent downside risk-adjusted returns. The fund has managed downside risk very effectively.
Standard deviation
0.07%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
58.86How 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%
Cash94.47%
Debt5.53%
Market cap allocation
Market-cap classifications were not present in the latest portfolio disclosure.
Sector allocation
Equity exposure by sector
Top holdings
6 of 6 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| Net Current Assets | Unspecified | Net Current Assets | 94.4703% |
| GOVERNMENT OF INDIA 37341 091 DAYS TBILL 09JL26 FV RS 100 | Financial | Treasury Bills | 2.3424% |
| GOVERNMENT OF INDIA 36939 182 DAYS TBILL 17JL26 FV RS 100 | Financial | Treasury Bills | 2.3398% |
| 364 Day T-BILL 09 July 2026 | Financial | Treasury Bills | 0.5856% |
| Others CBLO | Unspecified | CBLO | 0.2617% |
| AMC REPO CLEARING LIMITED | Financial | CBLO | 0.0002% |
Fund management
JA
Jaydeep Bhowal
Since 2025 · He began his career with UTI Mutual Fund in November 2009. He has more than 10 years of experience and had been involved in various roles at UTI. Presently he is working as Dealer in Department of Fund Management - Fixed Income. Prior to joining the AMC he was associated with SJ & A.
He has done B.Com, CA from ICAI and PGDFM from Welingkar Institute of Management, Mumbai
Compare similar funds
No comparable category funds are available yet.
Summary
A low-risk debt scheme - overnight fund. Turned every ₹1 into ₹229.3 since launch — compounding at 48.1% a year.
Strengths
- Turned every ₹1 into ₹229.3 since launch — compounding at 48.1% a year.
- Ranks 37 of 226 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