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

We don't give personal investment advice. UTI Money Market Fund - Regular 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: 8.9%. 5-year CAGR: 1.09%.

UTI

UTI Money Market Fund - Regular Plan - Weekly IDCW

Latest NAV

₹1,106.5654

As of

3 Jun 2026

4,647 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	13 / 46	Q2
1W	+0.04%	+0.15%	-0.11	42 / 46	Q4
2W	-0.18%	+0.08%	-0.26	42 / 44	Q4
1M	-0.86%	+0.00%	-0.86	44 / 44	Q4
3M	-0.55%	+0.33%	-0.88	42 / 44	Q4
6M	+0.57%	+0.55%	+0.02	19 / 42	Q2
YTD	+0.34%	+0.49%	-0.14	19 / 42	Q2
1Y	-3.15%	+1.47%	-4.62	42 / 42	Q4
2Y	-3.85%	+2.26%	-6.11	39 / 39	Q4
3Y	-1.54%	+2.45%	-3.99	39 / 39	Q4
4Y	+0.45%	+2.35%	-1.90	16 / 32	Q2
5Y	+1.09%	+1.79%	-0.70	13 / 30	Q2
7Y	+1.24%	+2.24%	-1.00	8 / 18	Q2
10Y	+0.88%	+1.92%	-1.04	6 / 10	Q3
Inception	+0.63%	+1.81%	-1.18	25 / 46	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	+0.34%	+0.43%	-0.09	17 / 38
2025	-6.21%	+2.33%	-8.54	36 / 36
2024	-0.95%	+2.60%	-3.55	39 / 39
2023	+5.94%	+2.54%	+3.40	10 / 35
2022	+4.91%	+1.53%	+3.39	2 / 30
2021	+3.67%	+0.99%	+2.68	5 / 29
2020	+1.47%	+1.58%	-0.11	14 / 27
2019	+0.47%	+3.42%	-2.95	12 / 18
2018	+0.03%	+3.12%	-3.09	8 / 11
2017	+0.00%	+2.41%	-2.40	7 / 12
2016	+0.01%	+0.97%	-0.96	5 / 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

+0.75%

177 windows

min -8.3% · max 7.5%

75% positive

3-Year rolling

+1.14%

153 windows

min -1.5% · max 5.3%

73% positive

5-Year rolling

+1.10%

129 windows

min 0.0% · max 3.5%

85% positive

7-Year rolling

+1.01%

105 windows

min 0.0% · max 2.5%

91% 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

3.77%

3-year · annualised

Sharpe ratio

-2.12

vs risk-free 6.5%

Sortino ratio

-2.26

Downside-only deviation

Max drawdown

-8.90%

Apr 2025 → Dec 2025

% positive months

52.8%

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	₹1,106.5654
2 Jun 2026	₹1,107.8652
1 Jun 2026	₹1,107.5086
29 May 2026	₹1,106.5486
27 May 2026	₹1,105.7406
26 May 2026	₹1,107.4067
25 May 2026	₹1,107.5545
22 May 2026	₹1,107.1167
21 May 2026	₹1,107.2058
20 May 2026	₹1,108.0071

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 - Weekly IDCW is ₹1,106.5654. 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 - Weekly IDCW has NAV history starting from 16 Feb 2010, a track record of about 16 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 Money Market Fund - Regular 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 - Regular Plan - Weekly IDCW has delivered a absolute return of -3.15% — -4.62 pp behind the Money Market Fund category average of 1.47%. The fund ranks #42 of 42 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, UTI Money Market Fund - Regular Plan - Weekly IDCW has delivered a CAGR of -1.54% — -3.99 pp behind the Money Market Fund category average of 2.45%. The fund ranks #39 of 39 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, UTI Money Market Fund - Regular Plan - Weekly IDCW has delivered a CAGR of 1.09% — -0.7 pp behind the Money Market Fund category average of 1.79%. The fund ranks #13 of 30 in its category — the second (Q2) quartile.

₹1 lakh invested in UTI Money Market Fund - Regular Plan - Weekly IDCW exactly 10 years ago would be worth approximately ₹109,135 today — a multiplier of 1.09×, based on the 10-year CAGR of 0.88%. The category average over the same window would have grown ₹1 lakh to ₹120,976.

A ₹10,000 monthly SIP in UTI Money Market Fund - Regular Plan - Weekly IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹585,354 today. That's an XIRR (money-weighted annualised return) of -0.97%.

A ₹10,000 monthly SIP for 10 years in UTI Money Market Fund - Regular Plan - Weekly IDCW = ₹1,200,000 invested. It would currently be worth ₹1,237,273 (multiplier 1.03×). XIRR: 0.61%. 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 - Weekly IDCW ranks #13 out of 30 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 1.79%; this fund delivered 1.09%.

The worst peak-to-trough decline UTI Money Market Fund - Regular Plan - Weekly IDCW has experienced over the last 5-year window is 8.90% — its NAV fell from a high on 15 Apr 2025 to a low on 10 Dec 2025. 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 - Weekly IDCW averaged 1.10% (best 3.50%, worst -0.03%). 84% of rolling windows ended positive. The 5-year Sharpe ratio is -1.74 — negative risk-adjusted performance.

In calendar year 2025, UTI Money Market Fund - Regular Plan - Weekly IDCW returned -6.21% — lagging the Money Market Fund category average of 2.33% by 8.54 pp. It ranked #36 of 36 in its category that year.

UTI Money Market Fund - Regular 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 - Regular 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: 8.9%. 5-year CAGR: 1.09%.

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