Should I invest in UTI Money Market Fund - Weekly IDCW?

We don't give personal investment advice. UTI Money Market Fund - Direct Plan - Weekly 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: 3.5%. 5-year CAGR: 1.63%.

UTI

UTI Money Market Fund - Direct Plan - Weekly IDCW

Latest NAV

₹1,126.5135

As of

3 Jun 2026

3,901 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	+0.03%	+0.01%	+0.02	16 / 78	Q1
1W	+0.24%	+0.16%	+0.08	20 / 77	Q2
2W	+0.15%	+0.09%	+0.06	26 / 76	Q2
1M	+0.21%	+0.09%	+0.12	20 / 75	Q2
3M	+1.24%	+0.38%	+0.86	15 / 74	Q1
6M	-1.01%	+0.73%	-1.73	72 / 75	Q4
YTD	-1.48%	+0.64%	-2.12	73 / 74	Q4
1Y	+1.74%	+1.73%	+0.00	26 / 74	Q2
2Y	+1.57%	+2.20%	-0.63	25 / 72	Q2
3Y	+2.42%	+2.30%	+0.12	24 / 67	Q2
4Y	+2.27%	+2.36%	-0.09	23 / 60	Q2
5Y	+1.63%	+2.14%	-0.51	21 / 54	Q2
7Y	+1.49%	+1.92%	-0.43	16 / 45	Q2
10Y	+1.05%	+1.28%	-0.23	11 / 33	Q2
Inception	+0.78%	+1.84%	-1.05	32 / 78	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	-1.48%	+0.60%	-2.09	62 / 63
2025	+4.42%	+2.54%	+1.87	19 / 62
2024	+1.98%	+2.53%	-0.55	25 / 62
2023	+3.69%	+2.35%	+1.35	19 / 61
2022	+0.46%	+1.43%	-0.97	25 / 55
2021	-0.16%	+0.83%	-0.99	49 / 52
2020	+1.71%	+1.67%	+0.04	22 / 56
2019	-0.07%	+2.50%	-2.57	48 / 52
2018	+0.03%	+1.63%	-1.60	22 / 39
2017	+0.00%	+1.10%	-1.09	16 / 37
2016	+0.01%	+1.02%	-1.01	18 / 35

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

+0.82%

152 windows

min -1.4% · max 5.1%

78% positive

3-Year rolling

+0.74%

127 windows

min 0.0% · max 3.4%

84% positive

5-Year rolling

+0.65%

103 windows

min 0.0% · max 2.1%

84% positive

7-Year rolling

+0.64%

79 windows

min 0.0% · max 1.7%

95% 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

3.14%

3-year · annualised

Sharpe ratio

-1.29

vs risk-free 6.5%

Sortino ratio

-1.49

Downside-only deviation

Max drawdown

-3.46%

Jan 2026 → Jan 2026

% positive months

86.1%

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 - Direct Plan	HDFC	₹1,063.6400	3 Jun 2026
NIPPON INDIA MONEY MARKET FUND - DIRECT Plan - DAILY IDCW Option	Nippon India	₹1,006.2364	3 Jun 2026
SBI Savings Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹18.5990	3 Jun 2026
ICICI Prudential Money Market Fund Option - Direct Plan - Daily IDCW	ICICI Prudential	₹100.1435	3 Jun 2026
Invesco India Money Market Fund - Direct Plan - Daily IDCW (Reinvestment)	Invesco	₹1,012.2021	3 Jun 2026
Bandhan Money Market Fund -Direct Plan-Daily IDCW	Bandhan	₹10.0994	3 Jun 2026
Aditya Birla Sun Life Money Manager Fund - Direct - daily IDCW	Aditya Birla Sun Life	₹100.0200	3 Jun 2026
Franklin India Money Market Fund Retail Option - Direct - Daily - IDCW	Franklin India	₹10.0646	3 Jun 2026
Mirae Asset Money Market Fund Direct IDCW	Mirae Asset	₹1,346.7546	3 Jun 2026
Kotak Money Market Fund - (Monthly Payout of Income Distribution cum capital withdrawal option) - Direct	Kotak	₹1,273.6788	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹1,126.5135
2 Jun 2026	₹1,127.1962
1 Jun 2026	₹1,126.8306
29 May 2026	₹1,125.8454
27 May 2026	₹1,125.0177
26 May 2026	₹1,124.5386
25 May 2026	₹1,124.6859
22 May 2026	₹1,124.2329
21 May 2026	₹1,124.3205
20 May 2026	₹1,125.1314

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 Money Market Fund - Direct Plan - Weekly IDCW is ₹1,126.5135. It's a Money Market Fund from UTI, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

UTI Money Market Fund - Direct Plan - Weekly IDCW has NAV history starting from 04 Jan 2013, a track record of about 13 years 5 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 Money Market Fund - Direct Plan - Weekly IDCW 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 Money Market Fund - Direct Plan - Weekly IDCW has delivered a absolute return of 1.74% — +0 pp ahead of the Money Market Fund category average of 1.73%. The fund ranks #26 of 74 in its category — the second (Q2) quartile.

Over the trailing 3-year window, UTI Money Market Fund - Direct Plan - Weekly IDCW has delivered a CAGR of 2.42% — +0.12 pp ahead of the Money Market Fund category average of 2.30%. The fund ranks #24 of 67 in its category — the second (Q2) quartile.

Over the trailing 5-year window, UTI Money Market Fund - Direct Plan - Weekly IDCW has delivered a CAGR of 1.63% — -0.51 pp behind the Money Market Fund category average of 2.14%. The fund ranks #21 of 54 in its category — the second (Q2) quartile.

₹1 lakh invested in UTI Money Market Fund - Direct Plan - Weekly IDCW exactly 10 years ago would be worth approximately ₹111,039 today — a multiplier of 1.11×, based on the 10-year CAGR of 1.05%. The category average over the same window would have grown ₹1 lakh to ₹113,561.

A ₹10,000 monthly SIP in UTI Money Market Fund - Direct Plan - Weekly IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹631,866 today. That's an XIRR (money-weighted annualised return) of 2.04%.

A ₹10,000 monthly SIP for 10 years in UTI Money Market Fund - Direct Plan - Weekly IDCW = ₹1,200,000 invested. It would currently be worth ₹1,296,350 (multiplier 1.08×). XIRR: 1.52%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, UTI Money Market Fund - Direct Plan - Weekly IDCW ranks #21 out of 54 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 2.14%; this fund delivered 1.63%.

The worst peak-to-trough decline UTI Money Market Fund - Direct Plan - Weekly IDCW has experienced over the last 5-year window is 3.46% — its NAV fell from a high on 19 Jan 2026 to a low on 28 Jan 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 Money Market Fund - Direct Plan - Weekly IDCW averaged 0.65% (best 2.08%, worst -0.02%). 84% of rolling windows ended positive. The 5-year Sharpe ratio is -1.83 — negative risk-adjusted performance.

In calendar year 2025, UTI Money Market Fund - Direct Plan - Weekly IDCW returned 4.42% — beating the Money Market Fund category average of 2.54% by 1.87 pp. It ranked #19 of 62 in its category that year.

UTI Money Market Fund - Direct Plan - Weekly 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 Money Market Fund - Direct Plan - Weekly 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: 3.5%. 5-year CAGR: 1.63%.

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