Should I invest in UTI Liquid Fund - Half-Yearly IDCW?

We don't give personal investment advice. UTI Liquid Fund - Direct Plan - Half-Yearly IDCW 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 Fund - Direct Plan - Half-Yearly IDCW

Latest NAV

₹1,570.6579

As of

3 Jun 2026

2,757 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%	0.00%	+0.02	52 / 139	Q2
1W	+0.14%	+0.04%	+0.10	25 / 138	Q1
2W	+0.24%	+0.05%	+0.19	16 / 138	Q1
1M	+0.49%	+0.11%	+0.38	16 / 138	Q1
3M	+1.69%	+0.30%	+1.39	9 / 138	Q1
6M	+3.21%	+0.41%	+2.79	7 / 135	Q1
YTD	+2.69%	+0.39%	+2.30	10 / 135	Q1
1Y	+6.27%	+1.00%	+5.26	9 / 128	Q1
2Y	+6.79%	+1.19%	+5.61	13 / 127	Q1
3Y	+6.97%	+1.40%	+5.57	9 / 122	Q1
4Y	+6.82%	+1.28%	+5.54	9 / 114	Q1
5Y	+6.17%	+1.19%	+4.97	8 / 113	Q1
7Y	+5.71%	+0.84%	+4.87	6 / 107	Q1
10Y	—	—	—	—	—
Inception	+4.91%	+1.24%	+3.67	18 / 139	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%	+0.25%	+2.45	6 / 120
2025	+6.59%	+1.10%	+5.49	8 / 115
2024	+7.40%	+1.42%	+5.98	14 / 118
2023	+7.10%	+1.63%	+5.48	8 / 112
2022	+4.91%	+1.11%	+3.80	7 / 116
2021	+3.37%	+0.45%	+2.92	7 / 107
2020	+4.27%	+0.35%	+3.92	9 / 110
2019	+6.67%	+1.19%	+5.48	6 / 99
2018	-3.23%	+1.03%	-4.26	91 / 91
2017	+6.63%	+1.12%	+5.51	12 / 87

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

+5.16%

91 windows

min -3.3% · max 7.5%

93% positive

3-Year rolling

+4.95%

72 windows

min 2.2% · max 7.1%

100% positive

5-Year rolling

+4.81%

47 windows

min 3.1% · max 6.2%

100% positive

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

7-Year rolling

+4.77%

24 windows

min 4.2% · max 5.8%

100% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

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 - IDCW Daily - Direct Plan	HDFC	₹1,019.8200	3 Jun 2026
NIPPON INDIA LIQUID FUND - DIRECT Plan - DAILY IDCW OPTION	Nippon India	₹1,528.7400	3 Jun 2026
SBI Liquid Fund - Direct Paln - Fortnightly Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹1,423.4119	3 Jun 2026
ICICI Prudential Liquid Fund - Direct Plan - IDCW Others	ICICI Prudential	₹191.3611	3 Jun 2026
Invesco India Liquid Fund - Direct Plan - Monthly IDCW (Payout / Reinvestment)	Invesco	₹1,083.5347	3 Jun 2026
BANDHAN LIQUID Fund -Direct Plan -Monthly IDCW	Bandhan	₹1,008.3799	3 Jun 2026
quant Liquid Fund - Monthly IDCW Option - Direct Plan	Quant	₹15.7591	3 Jun 2026
Aditya Birla Sun Life Liquid Fund -Direct - daily IDCW	Aditya Birla Sun Life	₹100.1950	3 Jun 2026
Motilal Oswal Liquid Fund Direct - IDCW Quarterly Payout/Reinvestment	Motilal Oswal	₹10.2338	3 Jun 2026
Franklin India Liquid Fund - Super Institutional Plan - Direct - Daily - IDCW	Franklin India	₹1,002.8152	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹1,570.6579
2 Jun 2026	₹1,570.4210
1 Jun 2026	₹1,570.2007
31 May 2026	₹1,569.8534
29 May 2026	₹1,569.3027
28 May 2026	₹1,568.8435
26 May 2026	₹1,568.2745
25 May 2026	₹1,568.0700
24 May 2026	₹1,567.8379
21 May 2026	₹1,567.0816

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 - Direct Plan - Half-Yearly IDCW is ₹1,570.6579. It's a Liquid Fund from UTI, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

UTI Liquid Fund - Direct Plan - Half-Yearly IDCW has NAV history starting from 05 Jan 2017, a track record of about 9 years 4 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 Fund - Direct Plan - Half-Yearly IDCW 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 - Direct Plan - Half-Yearly IDCW has delivered a absolute return of 6.27% — +5.26 pp ahead of the Liquid Fund category average of 1.00%. The fund ranks #9 of 128 in its category — the top (Q1) quartile.

Over the trailing 3-year window, UTI Liquid Fund - Direct Plan - Half-Yearly IDCW has delivered a CAGR of 6.97% — +5.57 pp ahead of the Liquid Fund category average of 1.40%. The fund ranks #9 of 122 in its category — the top (Q1) quartile.

Over the trailing 5-year window, UTI Liquid Fund - Direct Plan - Half-Yearly IDCW has delivered a CAGR of 6.17% — +4.97 pp ahead of the Liquid Fund category average of 1.19%. The fund ranks #8 of 113 in its category — the top (Q1) quartile.

₹1 lakh invested in UTI Liquid Fund - Direct Plan - Half-Yearly IDCW exactly 5 years ago would be worth approximately ₹134,867 today — a multiplier of 1.35×, based on the 5-year CAGR of 6.17%. The category average over the same window would have grown ₹1 lakh to ₹106,116.

A ₹10,000 monthly SIP in UTI Liquid Fund - Direct Plan - Half-Yearly IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹710,608 today. That's an XIRR (money-weighted annualised return) of 6.70%.

UTI Liquid Fund - Direct Plan - Half-Yearly IDCW doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,047,590 — XIRR 6.21%.

On a 5-year basis, UTI Liquid Fund - Direct Plan - Half-Yearly IDCW ranks #8 out of 113 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 1.19%; this fund delivered 6.17%.

The worst peak-to-trough decline UTI Liquid Fund - Direct Plan - Half-Yearly IDCW 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 Fund - Direct Plan - Half-Yearly IDCW averaged 4.81% (best 6.17%, worst 3.14%). 100% of rolling windows ended positive.

In calendar year 2025, UTI Liquid Fund - Direct Plan - Half-Yearly IDCW returned 6.59% — beating the Liquid Fund category average of 1.10% by 5.49 pp. It ranked #8 of 115 in its category that year.

UTI Liquid Fund - Direct Plan - Half-Yearly IDCW 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 - Direct Plan - Half-Yearly IDCW 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 Fund - Direct Plan - Half-Yearly IDCW

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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