Should I invest in UTI MMF - Flexi Dividend Option?

We don't give personal investment advice. UTI MMF - Regular Plan - Flexi Dividend Option 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.

UTI

UTI MMF - Regular Plan - Flexi Dividend Option

Latest NAV

₹1,274.4634

As of

17 Jul 2026

1,418 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	+0.05%	+0.04%	+0.01	5 / 46	Q1
1W	+0.09%	+0.05%	+0.04	6 / 46	Q1
2W	+0.08%	+0.02%	+0.06	5 / 44	Q1
1M	+0.65%	+0.15%	+0.50	4 / 45	Q1
3M	+1.53%	+0.49%	+1.04	5 / 43	Q1
6M	+3.25%	+1.06%	+2.19	3 / 43	Q1
YTD	+3.36%	+0.97%	+2.39	4 / 42	Q1
1Y	+6.16%	+1.56%	+4.60	3 / 42	Q1
2Y	+7.17%	+2.34%	+4.82	1 / 39	Q1
3Y	+7.28%	+2.52%	+4.76	2 / 39	Q1
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	+3.33%	+2.11%	+1.23	8 / 22	Q2
10Y	+2.44%	+2.29%	+0.15	5 / 12	Q2
Inception	+2.38%	+1.86%	+0.52	17 / 46	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	+3.36%	+0.97%	+2.39	4 / 38
2025	+7.45%	+2.33%	+5.12	1 / 36
2024	+7.67%	+2.60%	+5.06	3 / 39
2023	—	—	—	—
2022	—	—	—	—
2021	—	—	—	—
2020	—	—	—	—
2019	—	—	—	—
2018	—	—	—	—
2017	—	—	—	—
2016	—	—	—	—

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

+7.05%

39 windows

min 0.3% · max 8.2%

100% positive

Limited basis — fund is young, so this average may be skewed by which 1Y windows happen to be available.

3-Year rolling

+1.67%

25 windows

min -1.7% · max 7.5%

64% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

+1.96%

19 windows

min 1.8% · max 2.2%

100% positive

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

7-Year rolling

+1.31%

14 windows

min 0.1% · max 3.4%

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

0.55%

3-year · annualised

Sharpe ratio

1.01

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
SBI Savings Fund - Regular Plan Daily Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹14.3686	17 Jul 2026
Invesco India Money Market Fund - Regular - Monthly IDCW (Payout / Reinvestment)	Invesco	₹1,512.0118	17 Jul 2026
Bandhan Money Market Fund - Regular Plan - Periodic IDCW	Bandhan	₹14.1109	17 Jul 2026
Mirae Asset Money Market Fund Regular IDCW	Mirae Asset	₹1,341.6330	17 Jul 2026
Edelweiss Money Market Fund - Regular Plan - Annual - IDCW Option	Edelweiss	₹29.9517	17 Jul 2026
DSP Savings Fund - Regular Plan - IDCW - Daily	DSP	₹10.1021	17 Jul 2026
HSBC Money Market Fund - Regular Daily IDCW	HSBC	₹10.8591	17 Jul 2026
Baroda BNP Paribas Money Market Fund - Regular Plan - Monthly IDCW	Baroda BNP Paribas	₹1,015.9102	17 Jul 2026
UTI Money Market Fund - Regular Plan - Annual IDCW	UTI	₹1,961.8583	17 Jul 2026
PGIM India Money Market Fund - Regular Plan - Daily Dividend Option	PGIM India	₹1,009.0935	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹1,274.4634
16 Jul 2026	₹1,273.7787
15 Jul 2026	₹1,273.2495
14 Jul 2026	₹1,273.0151
13 Jul 2026	₹1,273.7223
10 Jul 2026	₹1,273.3777
9 Jul 2026	₹1,273.1690
8 Jul 2026	₹1,272.4483
7 Jul 2026	₹1,273.1336
6 Jul 2026	₹1,273.8518

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 17 Jul 2026, the NAV of UTI MMF - Regular Plan - Flexi Dividend Option is ₹1,274.4634. It's a Money Market Fund from UTI, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

UTI MMF - Regular Plan - Flexi Dividend Option has NAV history starting from 29 Mar 2016, a track record of about 10 years 3 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 MMF - Regular Plan - Flexi Dividend Option 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 - Regular Plan - Flexi Dividend Option has delivered a absolute return of 6.16% — +4.6 pp ahead of the Money Market Fund category average of 1.56%. The fund ranks #3 of 42 in its category — the top (Q1) quartile.

Over the trailing 3-year window, UTI MMF - Regular Plan - Flexi Dividend Option has delivered a CAGR of 7.28% — +4.76 pp ahead of the Money Market Fund category average of 2.52%. The fund ranks #2 of 39 in its category — the top (Q1) quartile.

UTI MMF - Regular Plan - Flexi Dividend Option doesn't have a complete 5-year window yet (we need at least 5 year of NAVs). Check the shorter-window returns above.

₹1 lakh invested in UTI MMF - Regular Plan - Flexi Dividend Option exactly 10 years ago would be worth approximately ₹127,295 today — a multiplier of 1.27×, based on the 10-year CAGR of 2.44%. The category average over the same window would have grown ₹1 lakh to ₹125,464.

A ₹10,000 monthly SIP in UTI MMF - Regular Plan - Flexi Dividend Option over the last 3 years — total invested ₹360,000 — would be worth ₹400,768 today. That's an XIRR (money-weighted annualised return) of 7.09%.

UTI MMF - Regular Plan - Flexi Dividend Option doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹400,768 — XIRR 7.09%.

On a 3-year basis, UTI MMF - Regular Plan - Flexi Dividend Option ranks #2 out of 39 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 2.52%; this fund delivered 7.28%.

The worst peak-to-trough decline UTI MMF - Regular Plan - Flexi Dividend Option has experienced over the last 3-year window is 0.15% — its NAV fell from a high on 11 May 2026 to a low on 22 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 - Regular Plan - Flexi Dividend Option averaged 1.96% (best 2.16%, worst 1.82%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is 1.01 — strong risk-adjusted performance.

In calendar year 2025, UTI MMF - Regular Plan - Flexi Dividend Option returned 7.45% — beating the Money Market Fund category average of 2.33% by 5.12 pp. It ranked #1 of 36 in its category that year.

UTI MMF - Regular Plan - Flexi Dividend Option 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 - Regular Plan - Flexi Dividend Option 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.

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

UTI MMF - Regular Plan - Flexi Dividend Option

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

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