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

We don't give personal investment advice. UTI- Liquid Fund-Cash Plan-INST Mthl 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: 2.1%. 5-year CAGR: 1.81%.

UTI

UTI- Liquid Fund-Cash Plan-INST Mthl

Latest NAV

₹1,127.8833

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	22 / 117	Q1
1W	+0.17%	-1.27%	+1.44	9 / 116	Q1
2W	+0.06%	-1.22%	+1.28	61 / 116	Q3
1M	+0.29%	-1.15%	+1.44	44 / 115	Q2
3M	+1.07%	-0.75%	+1.82	38 / 115	Q2
6M	+2.34%	-0.23%	+2.57	36 / 116	Q2
YTD	+1.95%	-0.22%	+2.18	41 / 116	Q2
1Y	+5.28%	+0.82%	+4.46	36 / 115	Q2
2Y	+4.00%	+1.10%	+2.89	34 / 111	Q2
3Y	+2.68%	+1.16%	+1.52	39 / 101	Q2
4Y	+2.15%	+1.02%	+1.13	35 / 92	Q2
5Y	+1.81%	+0.77%	+1.04	31 / 84	Q2
7Y	+1.35%	+0.51%	+0.84	27 / 78	Q2
10Y	+0.94%	+0.67%	+0.27	27 / 71	Q2
Inception	+0.48%	+1.28%	-0.80	51 / 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	+1.95%	+1.09%	+0.86	29 / 73
2025	+4.63%	+2.57%	+2.06	28 / 69
2024	+0.45%	+2.54%	-2.09	29 / 71
2023	-0.41%	+2.47%	-2.88	65 / 66
2022	+2.16%	+1.48%	+0.68	22 / 70
2021	+0.53%	+1.01%	-0.48	32 / 80
2020	-0.17%	+0.34%	-0.51	80 / 87
2019	-0.20%	+2.59%	-2.79	85 / 87
2018	+0.08%	+2.60%	-2.52	46 / 88
2017	-0.06%	+2.32%	-2.38	80 / 85
2016	-0.12%	+2.45%	-2.57	63 / 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

+0.41%

234 windows

min -0.7% · max 6.0%

57% positive

3-Year rolling

+0.23%

210 windows

min -0.1% · max 2.8%

56% positive

5-Year rolling

+0.18%

186 windows

min -0.1% · max 1.8%

59% positive

7-Year rolling

+0.15%

161 windows

min 0.0% · max 1.3%

61% 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

1.01%

3-year · annualised

Sharpe ratio

-3.82

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-1.32%

Nov 2023 → Feb 2024

% positive months

77.8%

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	₹1,127.8833
9 Jun 2026	₹1,127.6752
8 Jun 2026	₹1,127.2458
7 Jun 2026	₹1,126.9712
5 Jun 2026	₹1,126.5797
4 Jun 2026	₹1,126.2034
3 Jun 2026	₹1,125.9377
2 Jun 2026	₹1,125.7714
1 Jun 2026	₹1,128.3757
31 May 2026	₹1,128.1296

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 Mthl is ₹1,127.8833. 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 Mthl 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 Mthl 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 Mthl has delivered a absolute return of 5.28% — +4.46 pp ahead of the Liquid Fund category average of 0.82%. The fund ranks #36 of 115 in its category — the second (Q2) quartile.

Over the trailing 3-year window, UTI- Liquid Fund-Cash Plan-INST Mthl has delivered a CAGR of 2.68% — +1.52 pp ahead of the Liquid Fund category average of 1.16%. The fund ranks #39 of 101 in its category — the second (Q2) quartile.

Over the trailing 5-year window, UTI- Liquid Fund-Cash Plan-INST Mthl has delivered a CAGR of 1.81% — +1.04 pp ahead of the Liquid Fund category average of 0.77%. The fund ranks #31 of 84 in its category — the second (Q2) quartile.

₹1 lakh invested in UTI- Liquid Fund-Cash Plan-INST Mthl exactly 10 years ago would be worth approximately ₹109,774 today — a multiplier of 1.10×, based on the 10-year CAGR of 0.94%. 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 Mthl over the last 5 years — total invested ₹600,000 — would be worth ₹642,156 today. That's an XIRR (money-weighted annualised return) of 2.68%.

A ₹10,000 monthly SIP for 10 years in UTI- Liquid Fund-Cash Plan-INST Mthl = ₹1,200,000 invested. It would currently be worth ₹1,301,308 (multiplier 1.08×). XIRR: 1.60%. 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 Mthl ranks #31 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 1.81%.

The worst peak-to-trough decline UTI- Liquid Fund-Cash Plan-INST Mthl has experienced over the last 5-year window is 2.07% — its NAV fell from a high on 02 Jan 2023 to a low on 03 May 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 Mthl averaged 0.18% (best 1.81%, worst -0.05%). 59% of rolling windows ended positive. The 5-year Sharpe ratio is -4.60 — negative risk-adjusted performance.

In calendar year 2025, UTI- Liquid Fund-Cash Plan-INST Mthl returned 4.63% — beating the Liquid Fund category average of 2.57% by 2.06 pp. It ranked #28 of 69 in its category that year.

UTI- Liquid Fund-Cash Plan-INST Mthl 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 Mthl 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: 2.1%. 5-year CAGR: 1.81%.

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