Should I invest in UTI- Liquid Fund-Cash Plan-MTLY?

We don't give personal investment advice. UTI- Liquid Fund-Cash Plan-MTLY 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: 5.7%. 5-year CAGR: -1.13%.

UTI

UTI- Liquid Fund-Cash Plan-MTLY

Latest NAV

₹1,063.4000

As of

3 Jun 2026

6,890 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	-0.55%	-0.84%	+0.29	116 / 117	Q4
1W	-0.43%	-1.30%	+0.87	113 / 116	Q4
2W	-0.33%	-1.26%	+0.94	113 / 116	Q4
1M	-0.65%	-1.18%	+0.53	111 / 115	Q4
3M	-0.04%	-0.77%	+0.73	109 / 115	Q4
6M	-0.27%	-0.25%	-0.02	111 / 116	Q4
YTD	-0.76%	-0.28%	-0.48	114 / 116	Q4
1Y	-1.30%	+0.81%	-2.11	112 / 115	Q4
2Y	-0.62%	+1.09%	-1.71	108 / 111	Q4
3Y	-0.31%	+1.15%	-1.46	95 / 101	Q4
4Y	-0.51%	+1.01%	-1.52	87 / 92	Q4
5Y	-1.13%	+0.76%	-1.89	80 / 84	Q4
7Y	-1.54%	+0.50%	-2.04	76 / 78	Q4
10Y	-0.98%	+0.67%	-1.65	70 / 71	Q4
Inception	+0.16%	+1.27%	-1.11	58 / 114	Q3

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	-0.76%	+1.00%	-1.75	73 / 73
2025	-0.41%	+2.57%	-2.98	68 / 69
2024	-0.08%	+2.54%	-2.62	64 / 71
2023	-0.44%	+2.47%	-2.91	66 / 66
2022	-2.42%	+1.48%	-3.90	70 / 70
2021	-3.64%	+1.01%	-4.65	79 / 80
2020	-2.58%	+0.34%	-2.91	86 / 87
2019	-0.27%	+2.59%	-2.86	86 / 87
2018	+0.43%	+2.60%	-2.17	40 / 88
2017	-0.36%	+2.32%	-2.67	84 / 85
2016	+0.69%	+2.45%	-1.76	22 / 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

+0.20%

234 windows

min -3.7% · max 2.3%

62% positive

3-Year rolling

+0.19%

210 windows

min -2.9% · max 1.9%

62% positive

5-Year rolling

+0.18%

185 windows

min -1.9% · max 1.8%

62% positive

7-Year rolling

+0.26%

161 windows

min -1.5% · max 1.6%

59% 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

1.25%

3-year · annualised

Sharpe ratio

-5.57

vs risk-free 6.5%

Sortino ratio

-7.18

Downside-only deviation

Max drawdown

-1.42%

Jul 2023 → Jun 2026

% positive months

33.3%

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	3 Jun 2026
NIPPON INDIA LIQUID FUND - QUARTERLY IDCW OPTION	Nippon India	₹1,017.6155	3 Jun 2026
ICICI Prudential Liquid Fund - IDCW Others	ICICI Prudential	₹189.7289	3 Jun 2026
Invesco India Liquid Fund - Unclaimed Dividend Plan - Above 3 Years	Invesco	₹1,000.0000	3 Jun 2026
BANDHAN LIQUID Fund - Unclaimed IDCW Less than 3 years	Bandhan	₹1.7935	3 Jun 2026
Quantum Liquid Fund - Unclaimed IDCW Plan Above 3 years	Quantum	₹10.0000	3 Jun 2026
Motilal Oswal Liquid Fund - Unclaimed Dividend - Greater than 3 years	Motilal Oswal	₹10.0000	3 Jun 2026
Templeton India Treasury Management - Institution-Daily	Franklin Templeton	₹1,000.0000	3 Jun 2026
Mirae Asset Cash Management Fund - Daily Dividend	Mirae Asset	₹1,066.4347	3 Jun 2026
HSBC Liquid Fund - IDCW	HSBC	₹1,019.3000	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹1,063.4000
2 Jun 2026	₹1,063.2429
1 Jun 2026	₹1,069.0962
31 May 2026	₹1,068.8631
29 May 2026	₹1,068.4947
28 May 2026	₹1,068.1854
26 May 2026	₹1,067.8046
25 May 2026	₹1,067.6686
24 May 2026	₹1,067.5139
21 May 2026	₹1,067.0089

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 Fund-Cash Plan-MTLY is ₹1,063.4000. 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-MTLY 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-MTLY 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-MTLY has delivered a absolute return of -1.30% — -2.11 pp behind the Liquid Fund category average of 0.81%. The fund ranks #112 of 115 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, UTI- Liquid Fund-Cash Plan-MTLY has delivered a CAGR of -0.31% — -1.46 pp behind the Liquid Fund category average of 1.15%. The fund ranks #95 of 101 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, UTI- Liquid Fund-Cash Plan-MTLY has delivered a CAGR of -1.13% — -1.89 pp behind the Liquid Fund category average of 0.76%. The fund ranks #80 of 84 in its category — the bottom (Q4) quartile.

₹1 lakh invested in UTI- Liquid Fund-Cash Plan-MTLY exactly 10 years ago would be worth approximately ₹90,589 today — a multiplier of 0.91×, based on the 10-year CAGR of -0.98%. The category average over the same window would have grown ₹1 lakh to ₹106,873.

A ₹10,000 monthly SIP in UTI- Liquid Fund-Cash Plan-MTLY over the last 5 years — total invested ₹600,000 — would be worth ₹589,939 today. That's an XIRR (money-weighted annualised return) of -0.66%.

A ₹10,000 monthly SIP for 10 years in UTI- Liquid Fund-Cash Plan-MTLY = ₹1,200,000 invested. It would currently be worth ₹1,134,406 (multiplier 0.95×). XIRR: -1.12%. 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-MTLY ranks #80 out of 84 funds in the Liquid Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 0.76%; this fund delivered -1.13%.

The worst peak-to-trough decline UTI- Liquid Fund-Cash Plan-MTLY has experienced over the last 5-year window is 5.71% — its NAV fell from a high on 01 Jul 2021 to a low on 02 Jun 2026. 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-MTLY averaged 0.18% (best 1.79%, worst -1.92%). 62% of rolling windows ended positive. The 5-year Sharpe ratio is -5.42 — negative risk-adjusted performance.

In calendar year 2025, UTI- Liquid Fund-Cash Plan-MTLY returned -0.41% — lagging the Liquid Fund category average of 2.57% by 2.98 pp. It ranked #68 of 69 in its category that year.

UTI- Liquid Fund-Cash Plan-MTLY 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-MTLY 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: 5.7%. 5-year CAGR: -1.13%.

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

UTI- Liquid Fund-Cash Plan-MTLY

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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