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

We don't give personal investment advice. UTI Money Market Fund - Regular Plan - Fortnightly 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: 0.9%. 5-year CAGR: 0.01%.

UTI

UTI Money Market Fund - Regular Plan - Fortnightly IDCW

Latest NAV

₹1,159.8065

As of

3 Jun 2026

2,740 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	10 / 46	Q1
1W	+0.23%	+0.15%	+0.09	9 / 46	Q1
2W	+0.15%	+0.08%	+0.06	14 / 44	Q2
1M	+0.05%	+0.00%	+0.05	24 / 44	Q3
3M	+0.04%	+0.33%	-0.30	25 / 44	Q3
6M	0.00%	+0.55%	-0.55	33 / 42	Q4
YTD	-0.01%	+0.49%	-0.50	33 / 42	Q4
1Y	-0.06%	+1.47%	-1.53	28 / 42	Q3
2Y	-0.02%	+2.26%	-2.27	32 / 39	Q4
3Y	-0.02%	+2.45%	-2.47	33 / 39	Q4
4Y	-0.01%	+2.35%	-2.35	30 / 32	Q4
5Y	+0.01%	+1.79%	-1.78	23 / 30	Q4
7Y	-0.02%	+2.24%	-2.26	16 / 18	Q4
10Y	—	—	—	—	—
Inception	+1.38%	+1.81%	-0.42	21 / 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	-0.01%	+0.43%	-0.44	29 / 38
2025	-0.07%	+2.33%	-2.40	30 / 36
2024	-0.01%	+2.60%	-2.61	33 / 39
2023	-0.02%	+2.54%	-2.56	33 / 35
2022	+0.06%	+1.53%	-1.47	22 / 30
2021	0.00%	+0.99%	-1.00	22 / 29
2020	-0.06%	+1.58%	-1.64	23 / 27
2019	-0.09%	+3.42%	-3.51	17 / 18
2018	+5.93%	+3.12%	+2.81	5 / 11
2017	+6.65%	+2.41%	+4.24	1 / 12
2016	+0.07%	+0.97%	-0.90	4 / 8

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

+1.32%

113 windows

min -0.3% · max 7.3%

58% positive

3-Year rolling

+1.09%

90 windows

min -0.1% · max 5.2%

72% positive

5-Year rolling

+0.91%

66 windows

min 0.0% · max 3.0%

77% positive

7-Year rolling

+0.98%

40 windows

min 0.0% · max 2.1%

80% 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

0.40%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.91%

Apr 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
SBI Savings Fund - Regular Plan Daily Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹14.2035	3 Jun 2026
Invesco India Money Market Fund - Regular - Monthly IDCW (Payout / Reinvestment)	Invesco	₹1,495.7975	3 Jun 2026
Bandhan Money Market Fund - Regular Plan - Periodic IDCW	Bandhan	₹13.9471	3 Jun 2026
Mirae Asset Money Market Fund Regular IDCW	Mirae Asset	₹1,326.1951	3 Jun 2026
Edelweiss Money Market Fund - Regular Plan - Annual - IDCW Option	Edelweiss	₹29.6239	3 Jun 2026
DSP Savings Fund - Regular Plan - IDCW - Daily	DSP	₹10.1021	3 Jun 2026
HSBC Money Market Fund - Regular Daily IDCW	HSBC	₹10.8591	3 Jun 2026
Baroda BNP Paribas Money Market Fund - Regular Plan - Monthly IDCW	Baroda BNP Paribas	₹1,009.5700	3 Jun 2026
UTI MMF - Regular Plan - Flexi Dividend Option	UTI	₹1,259.4309	3 Jun 2026
PGIM India Money Market Fund - Regular Plan - Daily Dividend Option	PGIM India	₹1,009.0935	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹1,159.8065
2 Jun 2026	₹1,159.6084
1 Jun 2026	₹1,159.2351
29 May 2026	₹1,158.2303
27 May 2026	₹1,157.3846
26 May 2026	₹1,156.8947
25 May 2026	₹1,157.0491
22 May 2026	₹1,156.5917
21 May 2026	₹1,156.6848
20 May 2026	₹1,157.5219

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 - Regular Plan - Fortnightly IDCW is ₹1,159.8065. 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 Money Market Fund - Regular Plan - Fortnightly IDCW has NAV history starting from 03 Sep 2015, a track record of about 10 years 9 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 - Regular Plan - Fortnightly 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 - Regular Plan - Fortnightly IDCW has delivered a absolute return of -0.06% — -1.53 pp behind the Money Market Fund category average of 1.47%. The fund ranks #28 of 42 in its category — the third (Q3) quartile.

Over the trailing 3-year window, UTI Money Market Fund - Regular Plan - Fortnightly IDCW has delivered a CAGR of -0.02% — -2.47 pp behind the Money Market Fund category average of 2.45%. The fund ranks #33 of 39 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, UTI Money Market Fund - Regular Plan - Fortnightly IDCW has delivered a CAGR of 0.01% — -1.78 pp behind the Money Market Fund category average of 1.79%. The fund ranks #23 of 30 in its category — the bottom (Q4) quartile.

₹1 lakh invested in UTI Money Market Fund - Regular Plan - Fortnightly IDCW exactly 5 years ago would be worth approximately ₹100,027 today — a multiplier of 1.00×, based on the 5-year CAGR of 0.01%. The category average over the same window would have grown ₹1 lakh to ₹109,270.

A ₹10,000 monthly SIP in UTI Money Market Fund - Regular Plan - Fortnightly IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹599,860 today. That's an XIRR (money-weighted annualised return) of -0.01%.

A ₹10,000 monthly SIP for 10 years in UTI Money Market Fund - Regular Plan - Fortnightly IDCW = ₹1,170,000 invested. It would currently be worth ₹1,190,319 (multiplier 1.02×). XIRR: 0.35%. 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 - Regular Plan - Fortnightly IDCW ranks #23 out of 30 funds in the Money Market Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 1.79%; this fund delivered 0.01%.

The worst peak-to-trough decline UTI Money Market Fund - Regular Plan - Fortnightly IDCW has experienced over the last 5-year window is 0.91% — its NAV fell from a high on 11 Apr 2025 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 Money Market Fund - Regular Plan - Fortnightly IDCW averaged 0.91% (best 3.00%, worst -0.04%). 77% of rolling windows ended positive.

In calendar year 2025, UTI Money Market Fund - Regular Plan - Fortnightly IDCW returned -0.07% — lagging the Money Market Fund category average of 2.33% by 2.40 pp. It ranked #30 of 36 in its category that year.

UTI Money Market Fund - Regular Plan - Fortnightly 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 - Regular Plan - Fortnightly 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: 0.9%. 5-year CAGR: 0.01%.

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