Should I invest in ITI Overnight Fund?

We don't give personal investment advice. ITI Overnight Fund - Regular Plan - Growth Option 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: 0.0%. 5-year CAGR: 5.35%.

ITI

ITI Overnight Fund - Regular Plan - Growth Option

Latest NAV

₹1,374.0968

As of

19 Jul 2026

2,031 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	+0.03%	+0.03%	0.00	26 / 30	Q4
1W	+0.09%	+0.10%	-0.01	30 / 30	Q4
2W	+0.18%	+0.19%	-0.01	29 / 30	Q4
1M	+0.40%	+0.42%	-0.02	30 / 30	Q4
3M	+1.20%	+1.26%	-0.06	29 / 30	Q4
6M	+2.38%	+2.51%	-0.12	29 / 30	Q4
YTD	+2.62%	+2.73%	-0.11	28 / 30	Q4
1Y	+4.99%	+5.23%	-0.24	29 / 30	Q4
2Y	+5.50%	+5.72%	-0.22	28 / 29	Q4
3Y	+5.83%	+6.05%	-0.23	27 / 28	Q4
4Y	+5.85%	+6.06%	-0.22	24 / 24	Q4
5Y	+5.35%	+5.55%	-0.20	22 / 22	Q4
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+4.82%	+5.27%	-0.44	30 / 30	Q4

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	+2.62%	+2.73%	-0.11	28 / 30
2025	+5.49%	+5.68%	-0.19	28 / 29
2024	+6.37%	+6.60%	-0.23	28 / 29
2023	+6.36%	+6.58%	-0.22	26 / 27
2022	+4.45%	+4.60%	-0.14	22 / 22
2021	+3.03%	+3.10%	-0.07	21 / 22
2020	+3.23%	+3.32%	-0.09	17 / 21
2019	—	—	—	—

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

+4.90%

70 windows

min 2.8% · max 6.5%

100% positive

3-Year rolling

+5.15%

46 windows

min 3.5% · max 6.1%

100% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

+4.99%

22 windows

min 4.6% · max 5.4%

100% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

7-Year rolling

—

Insufficient history

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

0.20%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.00%

Peak to trough

% positive months

100.0%

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 Overnight Fund

Scheme	Fund house	NAV	As of
Nippon India Overnight Fund - Regular Plan - Growth Option	Nippon India	₹145.9234	19 Jul 2026
Invesco India Overnight Fund - Regular Plan - Growth	Invesco	₹1,376.9596	19 Jul 2026
BANDHAN Overnight Fund - Regular Plan - Growth	Bandhan	₹1,447.0255	19 Jul 2026
quant Overnight Fund - Growth Option - Regular Plan	Quant	₹12.4502	19 Jul 2026
Mirae Asset Overnight Fund Regular Plan Growth	Mirae Asset	₹1,394.1725	19 Jul 2026
Kotak Overnight Fund -Regular plan-Growth Option	Kotak	₹1,449.3957	19 Jul 2026
Edelweiss Overnight Fund - Regular Plan - Growth	Edelweiss	₹1,409.4764	19 Jul 2026
DSP Overnight Fund - Regular Plan - Growth	DSP	₹1,456.3711	19 Jul 2026
HSBC Overnight Fund - Regular Growth	HSBC	₹1,419.0756	19 Jul 2026
Baroda BNP Paribas Overnight Fund - Regular Plan - Growth	Baroda BNP Paribas	₹1,429.9781	19 Jul 2026

Recent NAVs

Date	NAV
19 Jul 2026	₹1,374.0968
17 Jul 2026	₹1,373.7420
16 Jul 2026	₹1,373.5670
15 Jul 2026	₹1,373.3783
14 Jul 2026	₹1,373.2011
13 Jul 2026	₹1,373.0270
12 Jul 2026	₹1,372.8570
10 Jul 2026	₹1,372.5021
9 Jul 2026	₹1,372.3270
8 Jul 2026	₹1,372.1446

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 19 Jul 2026, the NAV of ITI Overnight Fund - Regular Plan - Growth Option is ₹1,374.0968. It's a Overnight Fund from ITI, run as a Regular plan Growth option. NAVs update once per business day from the AMFI feed.

ITI Overnight Fund - Regular Plan - Growth Option has NAV history starting from 28 Oct 2019, a track record of about 6 years 8 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

ITI Overnight Fund - Regular Plan - Growth Option is managed by ITI. It's classified by AMFI under the 'Overnight Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, ITI Overnight Fund - Regular Plan - Growth Option has delivered a absolute return of 4.99% — -0.24 pp behind the Overnight Fund category average of 5.23%. The fund ranks #29 of 30 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, ITI Overnight Fund - Regular Plan - Growth Option has delivered a CAGR of 5.83% — -0.23 pp behind the Overnight Fund category average of 6.05%. The fund ranks #27 of 28 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, ITI Overnight Fund - Regular Plan - Growth Option has delivered a CAGR of 5.35% — -0.2 pp behind the Overnight Fund category average of 5.55%. The fund ranks #22 of 22 in its category — the bottom (Q4) quartile.

₹1 lakh invested in ITI Overnight Fund - Regular Plan - Growth Option exactly 5 years ago would be worth approximately ₹129,794 today — a multiplier of 1.30×, based on the 5-year CAGR of 5.35%. The category average over the same window would have grown ₹1 lakh to ₹131,002.

A ₹10,000 monthly SIP in ITI Overnight Fund - Regular Plan - Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹691,777 today. That's an XIRR (money-weighted annualised return) of 5.63%.

ITI Overnight Fund - Regular Plan - Growth Option doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹691,777 — XIRR 5.63%.

On a 5-year basis, ITI Overnight Fund - Regular Plan - Growth Option ranks #22 out of 22 funds in the Overnight Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 5.55%; this fund delivered 5.35%.

The worst peak-to-trough decline ITI Overnight Fund - Regular Plan - Growth Option has experienced over the last 5-year window is 0.00%. 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, ITI Overnight Fund - Regular Plan - Growth Option averaged 4.99% (best 5.35%, worst 4.63%). 100% of rolling windows ended positive.

In calendar year 2025, ITI Overnight Fund - Regular Plan - Growth Option returned 5.49% — lagging the Overnight Fund category average of 5.68% by 0.19 pp. It ranked #28 of 29 in its category that year.

ITI Overnight Fund - Regular Plan - Growth Option 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. ITI Overnight Fund - Regular Plan - Growth Option 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: 0.0%. 5-year CAGR: 5.35%.

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

ITI Overnight Fund - Regular Plan - Growth Option

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Overnight Fund

Recent NAVs

Frequently asked questions

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