Should I invest in UTI MMF-Discontinued?

We don't give personal investment advice. UTI MMF-Discontinued - Regular Plan -Growth 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: 0.2%. 5-year CAGR: 6.19%.

UTI

UTI MMF-Discontinued - Regular Plan -Growth

Unit split applied to historical metrics

This scheme had a 100× unit consolidation on 22 Aug 2009. 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

₹7,620.9977

As of

24 Jul 2026

6,405 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

Add another fund to compare

No matches.

Compares up to 8 funds. Click any line in the legend above to hide/show it.

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%	+0.01%	+0.02	24 / 53	Q2
1W	+0.13%	+0.08%	+0.05	8 / 53	Q1
2W	+0.22%	+0.15%	+0.07	8 / 53	Q1
1M	+0.60%	+0.26%	+0.34	7 / 52	Q1
3M	+1.62%	+0.61%	+1.01	5 / 51	Q1
6M	+3.30%	+1.24%	+2.06	7 / 51	Q1
YTD	+3.50%	+1.31%	+2.19	7 / 51	Q1
1Y	+6.18%	+2.24%	+3.94	5 / 51	Q1
2Y	+7.07%	+2.83%	+4.25	12 / 51	Q1
3Y	+7.05%	+3.13%	+3.93	10 / 43	Q1
4Y	+6.91%	+3.14%	+3.77	11 / 43	Q2
5Y	+6.19%	+2.84%	+3.35	10 / 43	Q1
7Y	+5.87%	+2.66%	+3.21	11 / 43	Q2
10Y	+6.18%	+2.74%	+3.44	12 / 42	Q2
Inception	+6.90%	+3.33%	+3.57	13 / 52	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	+3.50%	+1.32%	+2.18	6 / 42
2025	+7.45%	+3.15%	+4.30	2 / 42
2024	+7.22%	+3.39%	+3.83	13 / 41
2023	+6.92%	+3.51%	+3.41	13 / 39
2022	+4.40%	+2.03%	+2.38	10 / 41
2021	+3.22%	+1.44%	+1.78	15 / 41
2020	+5.48%	+2.26%	+3.22	13 / 47
2019	+7.41%	+2.96%	+4.45	13 / 47
2018	+7.21%	+2.57%	+4.63	11 / 43
2017	+6.01%	+2.37%	+3.64	14 / 43
2016	+7.16%	+2.97%	+4.18	14 / 44

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

+6.93%

236 windows

min 3.1% · max 9.3%

100% positive

3-Year rolling

+6.85%

211 windows

min 4.3% · max 8.8%

100% positive

5-Year rolling

+6.86%

187 windows

min 5.4% · max 8.4%

100% positive

7-Year rolling

+6.97%

163 windows

min 5.8% · 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

0.61%

3-year · annualised

Sharpe ratio

0.56

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.15%

May 2026 → May 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 Money Market Fund

Scheme	Fund house	NAV	As of
HDFC Money Market Fund - Daily IDCW Option	HDFC	₹1,063.6400	24 Jul 2026
NIPPON INDIA MONEY MARKET FUND - QUARTERLY IDCW Option	Nippon India	₹1,019.7065	24 Jul 2026
SBI SAVINGS FUND - REGULAR PLAN - GROWTH	SBI	₹44.1318	24 Jul 2026
ICICI Prudential Money Market Fund Option - Daily IDCW	ICICI Prudential	₹100.1295	24 Jul 2026
Invesco India Money Market Fund - Daily IDCW (Reinvestment)	Invesco	₹1,000.2900	24 Jul 2026
Franklin India Money Market Fund - DP - Wkly IDCW R	Franklin India	₹10.1018	24 Jul 2026
Franklin India Money Market Fund - Growth Option	Franklin Templeton	₹53.6259	24 Jul 2026
Kotak Money Market Fund - (Growth)	Kotak Mahindra	₹4,800.6647	24 Jul 2026
DSP Savings Fund - Regular Plan - Growth	DSP BlackRock	₹56.2045	24 Jul 2026
UTI MMF - Regular Plan - Growth Option	UTI	₹3,298.0745	24 Jul 2026

Recent NAVs

Date	NAV
24 Jul 2026	₹7,620.9977
23 Jul 2026	₹7,619.1666
22 Jul 2026	₹7,616.9504
21 Jul 2026	₹7,616.5973
20 Jul 2026	₹7,612.5033
17 Jul 2026	₹7,611.0920
16 Jul 2026	₹7,607.0027
15 Jul 2026	₹7,603.8421
14 Jul 2026	₹7,602.4427
13 Jul 2026	₹7,606.6661

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 24 Jul 2026, the NAV of UTI MMF-Discontinued - Regular Plan -Growth is ₹7,620.9977. It's a Money Market Fund from UTI, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

UTI MMF-Discontinued - Regular Plan -Growth 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 MMF-Discontinued - Regular Plan -Growth is managed by UTI. It's classified by AMFI under the 'Money Market Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, UTI MMF-Discontinued - Regular Plan -Growth has delivered a absolute return of 6.18% — +3.94 pp ahead of the Money Market Fund category average of 2.24%. The fund ranks #5 of 51 in its category — the top (Q1) quartile.

Over the trailing 3-year window, UTI MMF-Discontinued - Regular Plan -Growth has delivered a CAGR of 7.05% — +3.93 pp ahead of the Money Market Fund category average of 3.13%. The fund ranks #10 of 43 in its category — the top (Q1) quartile.

Over the trailing 5-year window, UTI MMF-Discontinued - Regular Plan -Growth has delivered a CAGR of 6.19% — +3.35 pp ahead of the Money Market Fund category average of 2.84%. The fund ranks #10 of 43 in its category — the top (Q1) quartile.

₹1 lakh invested in UTI MMF-Discontinued - Regular Plan -Growth exactly 10 years ago would be worth approximately ₹182,141 today — a multiplier of 1.82×, based on the 10-year CAGR of 6.18%. The category average over the same window would have grown ₹1 lakh to ₹131,023.

A ₹10,000 monthly SIP in UTI MMF-Discontinued - Regular Plan -Growth over the last 5 years — total invested ₹600,000 — would be worth ₹712,647 today. That's an XIRR (money-weighted annualised return) of 6.81%.

A ₹10,000 monthly SIP for 10 years in UTI MMF-Discontinued - Regular Plan -Growth = ₹1,200,000 invested. It would currently be worth ₹1,651,156 (multiplier 1.38×). XIRR: 6.21%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, UTI MMF-Discontinued - Regular Plan -Growth ranks #10 out of 43 funds in the Money Market Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 2.84%; this fund delivered 6.19%.

The worst peak-to-trough decline UTI MMF-Discontinued - Regular Plan -Growth has experienced over the last 5-year window is 0.20% — its NAV fell from a high on 02 May 2022 to a low on 06 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 MMF-Discontinued - Regular Plan -Growth averaged 6.86% (best 8.45%, worst 5.35%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.72 — negative risk-adjusted performance.

In calendar year 2025, UTI MMF-Discontinued - Regular Plan -Growth returned 7.45% — beating the Money Market Fund category average of 3.15% by 4.30 pp. It ranked #2 of 42 in its category that year.

UTI MMF-Discontinued - Regular Plan -Growth 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 MMF-Discontinued - Regular Plan -Growth 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: 0.2%. 5-year CAGR: 6.19%.

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

UTI MMF-Discontinued - Regular Plan -Growth

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Money Market Fund

Recent NAVs

Frequently asked questions

More from UTI