Should I invest in UTI Liquid Fund - Monthly IDCW?

We don't give personal investment advice. UTI Liquid Fund - Direct Plan - Monthly 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: 2.5%. 5-year CAGR: 0.35%.

UTI

UTI Liquid Fund - Direct Plan - Monthly IDCW

Latest NAV

₹1,043.6639

As of

3 Jun 2026

4,396 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	-0.48%	0.00%	-0.48	139 / 139	Q4
1W	-0.36%	+0.04%	-0.40	135 / 138	Q4
2W	-0.26%	+0.05%	-0.30	134 / 138	Q4
1M	-0.60%	+0.11%	-0.71	136 / 138	Q4
3M	+0.04%	+0.30%	-0.26	62 / 138	Q2
6M	+0.05%	+0.41%	-0.36	54 / 135	Q2
YTD	-0.44%	+0.39%	-0.83	131 / 135	Q4
1Y	-0.54%	+1.00%	-1.54	123 / 128	Q4
2Y	0.00%	+1.19%	-1.19	100 / 127	Q4
3Y	-0.08%	+1.40%	-1.48	115 / 122	Q4
4Y	-0.05%	+1.28%	-1.33	107 / 114	Q4
5Y	+0.35%	+1.19%	-0.84	33 / 113	Q2
7Y	+0.16%	+0.84%	-0.68	30 / 107	Q2
10Y	+0.17%	+0.68%	-0.51	22 / 73	Q2
Inception	+0.12%	+1.24%	-1.12	64 / 139	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	-0.44%	+0.25%	-0.69	116 / 120
2025	-0.31%	+1.10%	-1.41	112 / 115
2024	+0.67%	+1.42%	-0.75	30 / 118
2023	-0.62%	+1.63%	-2.25	112 / 112
2022	+1.46%	+1.11%	+0.35	32 / 116
2021	+0.67%	+0.45%	+0.22	20 / 107
2020	-0.17%	+0.35%	-0.52	103 / 110
2019	-0.20%	+1.19%	-1.39	96 / 99
2018	+0.08%	+1.03%	-0.95	26 / 91
2017	-1.75%	+1.12%	-2.87	87 / 87
2016	+1.60%	+1.02%	+0.57	11 / 73

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

+0.12%

152 windows

min -1.7% · max 2.9%

45% positive

3-Year rolling

+0.15%

127 windows

min -0.6% · max 1.1%

47% positive

5-Year rolling

+0.17%

103 windows

min -0.3% · max 0.6%

59% positive

7-Year rolling

+0.16%

79 windows

min -0.1% · max 0.4%

76% 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

1.41%

3-year · annualised

Sharpe ratio

-4.82

vs risk-free 6.5%

Sortino ratio

-6.28

Downside-only deviation

Max drawdown

-1.43%

Nov 2024 → Nov 2024

% positive months

38.9%

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	₹1,043.6639
2 Jun 2026	₹1,043.5064
1 Jun 2026	₹1,048.5578
31 May 2026	₹1,048.3259
29 May 2026	₹1,047.9582
28 May 2026	₹1,047.6515
26 May 2026	₹1,047.2716
25 May 2026	₹1,047.1350
24 May 2026	₹1,046.9800
21 May 2026	₹1,046.4749

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 - Monthly IDCW is ₹1,043.6639. 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 - Monthly IDCW has NAV history starting from 10 Jan 2013, a track record of about 13 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 - Monthly 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 - Monthly IDCW has delivered a absolute return of -0.54% — -1.54 pp behind the Liquid Fund category average of 1.00%. The fund ranks #123 of 128 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, UTI Liquid Fund - Direct Plan - Monthly IDCW has delivered a CAGR of -0.08% — -1.48 pp behind the Liquid Fund category average of 1.40%. The fund ranks #115 of 122 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, UTI Liquid Fund - Direct Plan - Monthly IDCW has delivered a CAGR of 0.35% — -0.84 pp behind the Liquid Fund category average of 1.19%. The fund ranks #33 of 113 in its category — the second (Q2) quartile.

₹1 lakh invested in UTI Liquid Fund - Direct Plan - Monthly IDCW exactly 10 years ago would be worth approximately ₹101,725 today — a multiplier of 1.02×, based on the 10-year CAGR of 0.17%. The category average over the same window would have grown ₹1 lakh to ₹106,990.

A ₹10,000 monthly SIP in UTI Liquid Fund - Direct Plan - Monthly IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹599,121 today. That's an XIRR (money-weighted annualised return) of -0.06%.

A ₹10,000 monthly SIP for 10 years in UTI Liquid Fund - Direct Plan - Monthly IDCW = ₹1,200,000 invested. It would currently be worth ₹1,207,832 (multiplier 1.01×). XIRR: 0.13%. 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 - Direct Plan - Monthly IDCW ranks #33 out of 113 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 1.19%; this fund delivered 0.35%.

The worst peak-to-trough decline UTI Liquid Fund - Direct Plan - Monthly IDCW has experienced over the last 5-year window is 2.51% — its NAV fell from a high on 03 Oct 2022 to a low on 02 Feb 2024. 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 - Monthly IDCW averaged 0.17% (best 0.63%, worst -0.26%). 59% of rolling windows ended positive. The 5-year Sharpe ratio is -4.33 — negative risk-adjusted performance.

In calendar year 2025, UTI Liquid Fund - Direct Plan - Monthly IDCW returned -0.31% — lagging the Liquid Fund category average of 1.10% by 1.41 pp. It ranked #112 of 115 in its category that year.

UTI Liquid Fund - Direct Plan - Monthly 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 - Monthly 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: 2.5%. 5-year CAGR: 0.35%.

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