Should I invest in UTI Liquid Fund - Monthly IDCW?

We don't give personal investment advice. UTI Liquid Fund - Regular 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: 2.1%. 5-year CAGR: 1.86%.

UTI

UTI Liquid Fund - Regular Plan - Monthly IDCW

Unit split applied to historical metrics

This scheme had a 0.1× unit consolidation on 20 Jun 2026. Returns, SIP simulations and risk metrics on this page are split-adjusted — they reflect what a real investor's portfolio experienced (a consolidation doesn't change portfolio value, only the unit count and per-unit NAV).

Latest NAV

₹113.1007

As of

26 Jul 2026

6,937 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	+0.02%	-0.82%	+0.84	56 / 117	Q2
1W	+0.11%	-1.29%	+1.41	24 / 116	Q1
2W	+0.22%	-1.24%	+1.46	24 / 116	Q1
1M	-0.03%	-1.15%	+1.12	97 / 115	Q4
3M	+0.74%	-0.79%	+1.52	44 / 115	Q2
6M	+1.90%	-0.21%	+2.11	36 / 116	Q2
YTD	+2.26%	-0.01%	+2.27	41 / 116	Q2
1Y	+4.83%	+0.87%	+3.96	36 / 115	Q2
2Y	+3.93%	+1.11%	+2.82	36 / 111	Q2
3Y	+2.48%	+1.16%	+1.32	40 / 101	Q2
4Y	+2.07%	+1.03%	+1.04	35 / 93	Q2
5Y	+1.86%	+0.80%	+1.05	31 / 84	Q2
7Y	+1.34%	+0.51%	+0.83	27 / 78	Q2
10Y	+0.93%	+0.67%	+0.26	27 / 71	Q2
Inception	+0.49%	+1.28%	-0.79	51 / 114	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	+2.26%	+1.42%	+0.83	29 / 73
2025	+4.63%	+2.57%	+2.06	28 / 69
2024	+0.45%	+2.54%	-2.09	29 / 71
2023	-0.41%	+2.47%	-2.88	65 / 66
2022	+2.16%	+1.48%	+0.68	22 / 70
2021	+0.53%	+1.01%	-0.48	32 / 80
2020	-0.17%	+0.34%	-0.51	80 / 87
2019	-0.20%	+2.59%	-2.79	85 / 87
2018	+0.08%	+2.60%	-2.52	46 / 88
2017	-0.06%	+2.32%	-2.38	80 / 85
2016	-0.12%	+2.45%	-2.57	63 / 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

+0.41%

236 windows

min -0.7% · max 6.0%

57% positive

3-Year rolling

+0.23%

212 windows

min -0.3% · max 2.7%

55% positive

5-Year rolling

+0.20%

187 windows

min -0.1% · max 1.9%

61% positive

7-Year rolling

+0.16%

163 windows

min -0.1% · max 1.4%

64% 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

1.00%

3-year · annualised

Sharpe ratio

-4.05

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-1.32%

Nov 2023 → Feb 2024

% positive months

75.0%

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 Plan	HDFC	₹5,467.1581	26 Jul 2026
NIPPON INDIA LIQUID FUND - QUARTERLY IDCW OPTION	Nippon India	₹1,010.2148	26 Jul 2026
ICICI Prudential Liquid Fund - IDCW Others	ICICI Prudential	₹191.6725	26 Jul 2026
Invesco India Liquid Fund - Unclaimed Dividend Plan - Above 3 Years	Invesco	₹1,000.0000	26 Jul 2026
BANDHAN LIQUID Fund - Unclaimed IDCW Less than 3 years	Bandhan	₹1.8119	26 Jul 2026
Quantum Liquid Fund - Direct Plan Daily IDCW	Quantum	₹10.0128	26 Jul 2026
Motilal Oswal Liquid Fund - Unclaimed Dividend - Greater than 3 years	Motilal Oswal	₹10.0000	26 Jul 2026
Franklin India Liquid Fund - Institutional Plan - Daily - IDCW	Franklin Templeton	₹1,000.0000	26 Jul 2026
Mirae Asset Liquid Fund - Regular - Daily IDCW	Mirae Asset	₹1,066.4347	26 Jul 2026
HSBC Liquid Fund - IDCW	HSBC	₹1,019.3000	26 Jul 2026

Recent NAVs

Date	NAV
26 Jul 2026	₹113.1007
25 Jul 2026	₹113.0821
24 Jul 2026	₹113.0634
23 Jul 2026	₹113.0365
22 Jul 2026	₹113.0141
21 Jul 2026	₹113.0048
20 Jul 2026	₹112.9867
19 Jul 2026	₹112.9733
17 Jul 2026	₹112.9365
16 Jul 2026	₹112.9055

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 26 Jul 2026, the NAV of UTI Liquid Fund - Regular Plan - Monthly IDCW is ₹113.1007. 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 - Regular Plan - Monthly IDCW has NAV history starting from 01 Apr 2006, a track record of about 20 years 3 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 - Regular 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 - Regular Plan - Monthly IDCW has delivered a absolute return of 4.83% — +3.96 pp ahead of the Liquid Fund category average of 0.87%. The fund ranks #36 of 115 in its category — the second (Q2) quartile.

Over the trailing 3-year window, UTI Liquid Fund - Regular Plan - Monthly IDCW has delivered a CAGR of 2.48% — +1.32 pp ahead of the Liquid Fund category average of 1.16%. The fund ranks #40 of 101 in its category — the second (Q2) quartile.

Over the trailing 5-year window, UTI Liquid Fund - Regular Plan - Monthly IDCW has delivered a CAGR of 1.86% — +1.05 pp ahead of the Liquid Fund category average of 0.80%. The fund ranks #31 of 84 in its category — the second (Q2) quartile.

₹1 lakh invested in UTI Liquid Fund - Regular Plan - Monthly IDCW exactly 10 years ago would be worth approximately ₹109,727 today — a multiplier of 1.10×, based on the 10-year CAGR of 0.93%. The category average over the same window would have grown ₹1 lakh to ₹106,919.

A ₹10,000 monthly SIP in UTI Liquid Fund - Regular Plan - Monthly IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹641,397 today. That's an XIRR (money-weighted annualised return) of 2.63%.

A ₹10,000 monthly SIP for 10 years in UTI Liquid Fund - Regular Plan - Monthly IDCW = ₹1,200,000 invested. It would currently be worth ₹1,300,707 (multiplier 1.08×). XIRR: 1.59%. 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 - Regular Plan - Monthly IDCW ranks #31 out of 84 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 0.80%; this fund delivered 1.86%.

The worst peak-to-trough decline UTI Liquid Fund - Regular Plan - Monthly IDCW has experienced over the last 5-year window is 2.07% — its NAV fell from a high on 02 Jan 2023 to a low on 03 May 2023. 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 - Regular Plan - Monthly IDCW averaged 0.20% (best 1.86%, worst -0.08%). 61% of rolling windows ended positive. The 5-year Sharpe ratio is -4.56 — negative risk-adjusted performance.

In calendar year 2025, UTI Liquid Fund - Regular Plan - Monthly IDCW returned 4.63% — beating the Liquid Fund category average of 2.57% by 2.06 pp. It ranked #28 of 69 in its category that year.

UTI Liquid Fund - Regular 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 - Regular 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: 2.1%. 5-year CAGR: 1.86%.

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