Should I invest in UTI MMF - Instn Plan-Daily Dividend?

We don't give personal investment advice. UTI MMF - Instn Plan-Daily Dividend 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: 7.6%. 5-year CAGR: 0.65%.

UTI

UTI MMF - Instn Plan-Daily Dividend

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

₹1,062.0555

As of

3 Jun 2026

5,174 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%	+0.00	35 / 51	Q3
1W	+0.12%	+0.17%	-0.05	41 / 51	Q4
2W	-0.46%	+0.09%	-0.56	51 / 51	Q4
1M	-0.69%	+0.14%	-0.83	51 / 51	Q4
3M	-1.46%	+0.42%	-1.88	51 / 51	Q4
6M	-5.82%	+0.91%	-6.73	51 / 51	Q4
YTD	-5.78%	+0.83%	-6.61	51 / 51	Q4
1Y	-6.30%	+2.16%	-8.46	51 / 51	Q4
2Y	-3.10%	+2.79%	-5.88	51 / 51	Q4
3Y	-1.58%	+3.08%	-4.66	43 / 43	Q4
4Y	+0.04%	+3.09%	-3.05	32 / 43	Q3
5Y	+0.65%	+2.77%	-2.12	21 / 43	Q2
7Y	+0.82%	+2.65%	-1.83	20 / 43	Q2
10Y	+0.57%	+2.72%	-2.15	20 / 42	Q2
Inception	+0.36%	+3.46%	-3.10	26 / 50	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	-5.78%	+0.74%	-6.52	42 / 42
2025	-1.63%	+3.15%	-4.78	42 / 42
2024	+1.35%	+3.39%	-2.05	20 / 41
2023	+4.66%	+3.51%	+1.15	19 / 39
2022	+3.06%	+2.03%	+1.04	18 / 41
2021	+2.70%	+1.44%	+1.26	18 / 41
2020	+1.62%	+2.26%	-0.64	21 / 47
2019	+0.00%	+2.96%	-2.96	33 / 47
2018	+0.00%	+2.57%	-2.57	33 / 43
2017	+0.00%	+2.37%	-2.37	30 / 43
2016	+0.00%	+2.97%	-2.97	32 / 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

+0.66%

194 windows

min -6.3% · max 5.1%

38% positive

3-Year rolling

+0.83%

170 windows

min -1.6% · max 3.5%

47% positive

5-Year rolling

+0.78%

146 windows

min 0.0% · max 2.7%

58% positive

7-Year rolling

+0.69%

121 windows

min 0.0% · max 1.9%

69% 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

2.87%

3-year · annualised

Sharpe ratio

-2.81

vs risk-free 6.5%

Sortino ratio

-2.96

Downside-only deviation

Max drawdown

-7.64%

Aug 2025 → May 2026

% positive months

47.2%

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 Cash Management Fund - Savings Plan-Daily Dividend Option	HDFC	₹1,063.6400	3 Jun 2026
NIPPON INDIA MONEY MARKET FUND - QUARTERLY IDCW Option	Nippon India	₹1,022.7499	3 Jun 2026
SBI Magnum Income Fund - F R P - Short Term - (G)	SBI	₹43.5732	3 Jun 2026
ICICI Prudential Money Market Fund Option - IDCW Others	ICICI Prudential	₹183.8376	3 Jun 2026
Invesco India Money Market Fund - Daily IDCW (Reinvestment)	Invesco	₹1,000.2900	3 Jun 2026
Franklin India Money Market Fund - DP - Wkly IDCW R	Franklin India	₹10.0960	3 Jun 2026
Templeton Floating Rate Income Fund-Long Term Plan-Dividend Option	Franklin Templeton	₹11.1750	3 Jun 2026
Kotak Floater Short Term-(Growth)	Kotak Mahindra	₹4,738.1215	3 Jun 2026
DSP BlackRock Treasury Bill Fund - Dividend	DSP BlackRock	₹12.3436	3 Jun 2026
UTI MMF - Instn Growth Plan	UTI	₹3,254.9369	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹1,062.0555
2 Jun 2026	₹1,062.0786
1 Jun 2026	₹1,062.0069
29 May 2026	₹1,061.4486
27 May 2026	₹1,061.0793
26 May 2026	₹1,060.8343
25 May 2026	₹1,061.2001
22 May 2026	₹1,061.3811
21 May 2026	₹1,061.7347
20 May 2026	₹1,066.4601

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 MMF - Instn Plan-Daily Dividend is ₹1,062.0555. 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 - Instn Plan-Daily Dividend has NAV history starting from 08 Jul 2009, a track record of about 16 years 10 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 - Instn Plan-Daily Dividend 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 - Instn Plan-Daily Dividend has delivered a absolute return of -6.30% — -8.46 pp behind the Money Market Fund category average of 2.16%. The fund ranks #51 of 51 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, UTI MMF - Instn Plan-Daily Dividend has delivered a CAGR of -1.58% — -4.66 pp behind the Money Market Fund category average of 3.08%. The fund ranks #43 of 43 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, UTI MMF - Instn Plan-Daily Dividend has delivered a CAGR of 0.65% — -2.12 pp behind the Money Market Fund category average of 2.77%. The fund ranks #21 of 43 in its category — the second (Q2) quartile.

₹1 lakh invested in UTI MMF - Instn Plan-Daily Dividend exactly 10 years ago would be worth approximately ₹105,850 today — a multiplier of 1.06×, based on the 10-year CAGR of 0.57%. The category average over the same window would have grown ₹1 lakh to ₹130,832.

A ₹10,000 monthly SIP in UTI MMF - Instn Plan-Daily Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹579,969 today. That's an XIRR (money-weighted annualised return) of -1.33%.

A ₹10,000 monthly SIP for 10 years in UTI MMF - Instn Plan-Daily Dividend = ₹1,200,000 invested. It would currently be worth ₹1,212,956 (multiplier 1.01×). XIRR: 0.21%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, UTI MMF - Instn Plan-Daily Dividend ranks #21 out of 43 funds in the Money Market Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 2.77%; this fund delivered 0.65%.

The worst peak-to-trough decline UTI MMF - Instn Plan-Daily Dividend has experienced over the last 5-year window is 7.64% — its NAV fell from a high on 14 Aug 2025 to a low on 26 May 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 MMF - Instn Plan-Daily Dividend averaged 0.78% (best 2.70%, worst 0.00%). 58% of rolling windows ended positive. The 5-year Sharpe ratio is -2.40 — negative risk-adjusted performance.

In calendar year 2025, UTI MMF - Instn Plan-Daily Dividend returned -1.63% — lagging the Money Market Fund category average of 3.15% by 4.78 pp. It ranked #42 of 42 in its category that year.

UTI MMF - Instn Plan-Daily Dividend 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 - Instn Plan-Daily Dividend 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: 7.6%. 5-year CAGR: 0.65%.

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