Should I invest in UTI- Liquid Fund-Cash Plan-INST - Income?

We don't give personal investment advice. UTI- Liquid Fund-Cash Plan-INST - Income is suitable for an investor whose:time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ yearsprimary goal is capital preservation or steady accrual, not high growthtax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 3.3%. 5-year CAGR: 2.55%.

UTI

UTI- Liquid Fund-Cash Plan-INST - Income

Latest NAV

₹1,193.7421

As of

10 Jun 2026

6,896 NAV records on file

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	+0.04%	-0.82%	+0.86	20 / 117	Q1
1W	+0.17%	-1.27%	+1.44	7 / 116	Q1
2W	+0.30%	-1.22%	+1.52	13 / 116	Q1
1M	+0.54%	-1.15%	+1.68	11 / 115	Q1
3M	+1.73%	-0.75%	+2.48	10 / 115	Q1
6M	+3.21%	-0.23%	+3.44	11 / 116	Q1
YTD	+2.82%	-0.22%	+3.04	14 / 116	Q1
1Y	+6.18%	+0.82%	+5.36	11 / 115	Q1
2Y	+5.12%	+1.10%	+4.01	32 / 111	Q2
3Y	+3.39%	+1.16%	+2.23	38 / 101	Q2
4Y	+2.32%	+1.02%	+1.30	34 / 92	Q2
5Y	+2.55%	+0.77%	+1.78	30 / 84	Q2
7Y	+2.28%	+0.51%	+1.77	26 / 78	Q2
10Y	+1.59%	+0.67%	+0.92	25 / 71	Q2
Inception	+0.79%	+1.28%	-0.48	49 / 114	Q2

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2026 YTD	+2.82%	+1.09%	+1.73	8 / 73
2025	+6.50%	+2.57%	+3.93	9 / 69
2024	+1.80%	+2.54%	-0.74	26 / 71
2023	+0.19%	+2.47%	-2.27	26 / 66
2022	-0.37%	+1.48%	-1.85	67 / 70
2021	+3.28%	+1.01%	+2.27	14 / 80
2020	+1.79%	+0.34%	+1.46	33 / 87
2019	+0.00%	+2.59%	-2.59	58 / 87
2018	+0.00%	+2.60%	-2.60	67 / 88
2017	+0.00%	+2.32%	-2.32	56 / 85
2016	+0.00%	+2.45%	-2.45	43 / 64

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+0.68%

234 windows

min -1.1% · max 6.7%

28% positive

3-Year rolling

+0.49%

210 windows

min -0.1% · max 3.4%

38% positive

5-Year rolling

+0.47%

186 windows

min 0.0% · max 2.6%

44% positive

7-Year rolling

+0.40%

161 windows

min 0.0% · max 2.3%

49% positive

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

1.88%

3-year · annualised

Sharpe ratio

-1.67

vs risk-free 6.5%

Sortino ratio

-2.34

Downside-only deviation

Max drawdown

-2.15%

Jun 2023 → Nov 2023

% positive months

83.3%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Peers in Liquid Fund

Scheme	Fund house	NAV	As of
HDFC Liquid Fund-Dividend - Daily	HDFC	₹1,019.8200	10 Jun 2026
NIPPON INDIA LIQUID FUND - QUARTERLY IDCW OPTION	Nippon India	₹1,019.3551	10 Jun 2026
ICICI Prudential Liquid Fund - IDCW Others	ICICI Prudential	₹190.0563	10 Jun 2026
Invesco India Liquid Fund - Unclaimed Dividend Plan - Above 3 Years	Invesco	₹1,000.0000	10 Jun 2026
BANDHAN LIQUID Fund - Unclaimed IDCW Less than 3 years	Bandhan	₹1.7966	10 Jun 2026
Quantum Liquid Fund - Unclaimed IDCW Plan Above 3 years	Quantum	₹10.0000	10 Jun 2026
Motilal Oswal Liquid Fund - Unclaimed Dividend - Greater than 3 years	Motilal Oswal	₹10.0000	10 Jun 2026
Templeton India Treasury Management - Institution-Daily	Franklin Templeton	₹1,000.0000	10 Jun 2026
Mirae Asset Cash Management Fund - Daily Dividend	Mirae Asset	₹1,066.4347	10 Jun 2026
HSBC Liquid Fund - IDCW	HSBC	₹1,019.3000	10 Jun 2026

Recent NAVs

Date	NAV
10 Jun 2026	₹1,193.7421
9 Jun 2026	₹1,193.5218
8 Jun 2026	₹1,193.0673
7 Jun 2026	₹1,192.7767
5 Jun 2026	₹1,192.3623
4 Jun 2026	₹1,191.9641
3 Jun 2026	₹1,191.6828
2 Jun 2026	₹1,191.5068
1 Jun 2026	₹1,191.3434
31 May 2026	₹1,191.0835

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

As of 10 Jun 2026, the NAV of UTI- Liquid Fund-Cash Plan-INST - Income is ₹1,193.7421. It's a Liquid Fund from UTI, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

UTI- Liquid Fund-Cash Plan-INST - Income has NAV history starting from 01 Apr 2006, a track record of about 20 years 2 months. Long-tenured funds like this have weathered multiple market cycles — the 2008 crash, 2013 taper tantrum, 2020 COVID drawdown — which makes their returns more credible than a 3-year track record alone.

UTI- Liquid Fund-Cash Plan-INST - Income is managed by UTI. It's classified by AMFI under the 'Liquid Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, UTI- Liquid Fund-Cash Plan-INST - Income has delivered a absolute return of 6.18% — +5.36 pp ahead of the Liquid Fund category average of 0.82%. The fund ranks #11 of 115 in its category — the top (Q1) quartile.

Over the trailing 3-year window, UTI- Liquid Fund-Cash Plan-INST - Income has delivered a CAGR of 3.39% — +2.23 pp ahead of the Liquid Fund category average of 1.16%. The fund ranks #38 of 101 in its category — the second (Q2) quartile.

Over the trailing 5-year window, UTI- Liquid Fund-Cash Plan-INST - Income has delivered a CAGR of 2.55% — +1.78 pp ahead of the Liquid Fund category average of 0.77%. The fund ranks #30 of 84 in its category — the second (Q2) quartile.

₹1 lakh invested in UTI- Liquid Fund-Cash Plan-INST - Income exactly 10 years ago would be worth approximately ₹117,076 today — a multiplier of 1.17×, based on the 10-year CAGR of 1.59%. The category average over the same window would have grown ₹1 lakh to ₹106,897.

A ₹10,000 monthly SIP in UTI- Liquid Fund-Cash Plan-INST - Income over the last 5 years — total invested ₹600,000 — would be worth ₹656,055 today. That's an XIRR (money-weighted annualised return) of 3.52%.

A ₹10,000 monthly SIP for 10 years in UTI- Liquid Fund-Cash Plan-INST - Income = ₹1,200,000 invested. It would currently be worth ₹1,356,438 (multiplier 1.13×). XIRR: 2.41%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, UTI- Liquid Fund-Cash Plan-INST - Income ranks #30 out of 84 funds in the Liquid Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 0.77%; this fund delivered 2.55%.

The worst peak-to-trough decline UTI- Liquid Fund-Cash Plan-INST - Income has experienced over the last 5-year window is 3.30% — its NAV fell from a high on 18 Jul 2022 to a low on 04 Nov 2023. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, UTI- Liquid Fund-Cash Plan-INST - Income averaged 0.47% (best 2.55%, worst -0.03%). 44% of rolling windows ended positive. The 5-year Sharpe ratio is -2.14 — negative risk-adjusted performance.

In calendar year 2025, UTI- Liquid Fund-Cash Plan-INST - Income returned 6.50% — beating the Liquid Fund category average of 2.57% by 3.93 pp. It ranked #9 of 69 in its category that year.

UTI- Liquid Fund-Cash Plan-INST - Income is classified as a Debt fund. For units acquired on or after 1 April 2023, all gains are taxed at your income-tax slab rate regardless of holding period — there's no LTCG concession or indexation. For pre-April-2023 units, the old rules with indexation still apply on long-term gains.

We don't give personal investment advice. UTI- Liquid Fund-Cash Plan-INST - Income is suitable for an investor whose:

time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ years
primary goal is capital preservation or steady accrual, not high growth
tax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 3.3%. 5-year CAGR: 2.55%.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.