Should I invest in UTI- Liquid Cash Plan?

We don't give personal investment advice. UTI- Liquid Cash Plan - Direct 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: 6.17%.

UTI

UTI- Liquid Cash Plan - Direct Plan - Growth Option

Latest NAV

₹4,572.0969

As of

3 Jun 2026

4,425 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	+0.01%	+0.01%	+0.00	22 / 49	Q2
1W	+0.14%	+0.12%	+0.02	22 / 49	Q2
2W	+0.24%	+0.21%	+0.03	13 / 49	Q2
1M	+0.49%	+0.42%	+0.07	12 / 49	Q1
3M	+1.69%	+1.44%	+0.24	3 / 49	Q1
6M	+3.21%	+2.76%	+0.45	6 / 49	Q1
YTD	+2.69%	+2.27%	+0.42	9 / 49	Q1
1Y	+6.27%	+5.37%	+0.89	6 / 46	Q1
2Y	+6.79%	+5.81%	+0.99	14 / 43	Q2
3Y	+6.97%	+6.00%	+0.97	16 / 43	Q2
4Y	+6.82%	+5.89%	+0.93	12 / 42	Q2
5Y	+6.17%	+5.47%	+0.69	10 / 40	Q1
7Y	+5.71%	+5.64%	+0.07	11 / 33	Q2
10Y	+6.15%	+6.10%	+0.04	11 / 28	Q2
Inception	+6.82%	+5.60%	+1.22	12 / 49	Q1

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	+2.69%	+2.52%	+0.17	9 / 44
2025	+6.59%	+6.04%	+0.55	15 / 40
2024	+7.40%	+6.80%	+0.60	24 / 39
2023	+7.10%	+6.47%	+0.63	10 / 38
2022	+4.91%	+4.08%	+0.83	14 / 42
2021	+3.37%	+2.92%	+0.44	13 / 40
2020	+4.27%	+3.90%	+0.36	14 / 37
2019	+6.67%	+6.20%	+0.48	11 / 35
2018	+7.48%	+6.88%	+0.60	16 / 33
2017	+6.69%	+6.29%	+0.41	20 / 33
2016	+7.68%	+7.68%	0.00	16 / 25

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

+6.77%

152 windows

min 3.3% · max 9.7%

100% positive

3-Year rolling

+6.53%

128 windows

min 4.1% · max 8.9%

100% positive

5-Year rolling

+6.30%

103 windows

min 5.3% · max 8.2%

100% positive

7-Year rolling

+6.28%

79 windows

min 5.7% · max 7.9%

100% 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

0.21%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.01%

Mar 2026 → Mar 2026

% 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 Liquid Fund

Scheme	Fund house	NAV	As of
HDFC Liquid Fund - Growth Option - Direct Plan	HDFC	₹5,475.7034	3 Jun 2026
Nippon India Liquid Fund - Direct Plan Growth Plan - Growth Option	Nippon India	₹6,826.8562	3 Jun 2026
SBI Liquid Fund - DIRECT PLAN -Growth	SBI	₹4,358.9364	3 Jun 2026
ICICI Prudential Liquid Fund - Direct Plan - Growth	ICICI Prudential	₹412.5956	3 Jun 2026
Invesco India Liquid Fund - Direct Plan - Growth	Invesco	₹3,826.8123	3 Jun 2026
BANDHAN LIQUID Fund -Direct Plan-Growth	Bandhan	₹3,367.4474	3 Jun 2026
quant Liquid Fund - Growth Option - Direct Plan	Quant	₹44.7002	3 Jun 2026
Aditya Birla Sun Life Liquid Fund - Growth - Direct Plan	Aditya Birla Sun Life	₹450.5148	3 Jun 2026
Motilal Oswal Liquid Fund - Direct Growth	Motilal Oswal	₹14.6931	3 Jun 2026
Franklin India Liquid Fund - Super Institutional - Direct - Growth	Franklin India	₹4,191.3513	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹4,572.0969
2 Jun 2026	₹4,571.4072
1 Jun 2026	₹4,570.7661
31 May 2026	₹4,569.7551
29 May 2026	₹4,568.1520
28 May 2026	₹4,566.8153
26 May 2026	₹4,565.1591
25 May 2026	₹4,564.5636
24 May 2026	₹4,563.8880
21 May 2026	₹4,561.6865

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 03 Jun 2026, the NAV of UTI- Liquid Cash Plan - Direct Plan - Growth Option is ₹4,572.0969. It's a Liquid Fund from UTI, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

UTI- Liquid Cash Plan - Direct Plan - Growth Option has NAV history starting from 01 Jan 2013, a track record of about 13 years 5 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.

UTI- Liquid Cash Plan - Direct Plan - Growth Option 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 Cash Plan - Direct Plan - Growth Option has delivered a absolute return of 6.27% — +0.89 pp ahead of the Liquid Fund category average of 5.37%. The fund ranks #6 of 46 in its category — the top (Q1) quartile.

Over the trailing 3-year window, UTI- Liquid Cash Plan - Direct Plan - Growth Option has delivered a CAGR of 6.97% — +0.97 pp ahead of the Liquid Fund category average of 6.00%. The fund ranks #16 of 43 in its category — the second (Q2) quartile.

Over the trailing 5-year window, UTI- Liquid Cash Plan - Direct Plan - Growth Option has delivered a CAGR of 6.17% — +0.69 pp ahead of the Liquid Fund category average of 5.47%. The fund ranks #10 of 40 in its category — the top (Q1) quartile.

₹1 lakh invested in UTI- Liquid Cash Plan - Direct Plan - Growth Option exactly 10 years ago would be worth approximately ₹181,596 today — a multiplier of 1.82×, based on the 10-year CAGR of 6.15%. The category average over the same window would have grown ₹1 lakh to ₹180,858.

A ₹10,000 monthly SIP in UTI- Liquid Cash Plan - Direct Plan - Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹710,609 today. That's an XIRR (money-weighted annualised return) of 6.70%.

A ₹10,000 monthly SIP for 10 years in UTI- Liquid Cash Plan - Direct Plan - Growth Option = ₹1,200,000 invested. It would currently be worth ₹1,640,700 (multiplier 1.37×). XIRR: 6.09%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, UTI- Liquid Cash Plan - Direct Plan - Growth Option ranks #10 out of 40 funds in the Liquid Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 5.47%; this fund delivered 6.17%.

The worst peak-to-trough decline UTI- Liquid Cash Plan - Direct Plan - Growth Option has experienced over the last 5-year window is 0.03% — its NAV fell from a high on 03 May 2022 to a low on 05 May 2022. 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 Cash Plan - Direct Plan - Growth Option averaged 6.30% (best 8.19%, worst 5.27%). 100% of rolling windows ended positive.

In calendar year 2025, UTI- Liquid Cash Plan - Direct Plan - Growth Option returned 6.59% — beating the Liquid Fund category average of 6.04% by 0.55 pp. It ranked #15 of 40 in its category that year.

UTI- Liquid Cash Plan - Direct 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. UTI- Liquid Cash Plan - Direct 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: 6.17%.

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

UTI- Liquid Cash Plan - Direct Plan - Growth Option

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Liquid Fund

Recent NAVs

Frequently asked questions

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