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: 1.04%.

UTI

UTI Money Market Fund - Regular Plan - Weekly IDCW

Latest NAV

₹1,110.5170

As of

17 Jul 2026

4,678 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	10 / 46	Q1
1W	-0.06%	+0.05%	-0.10	44 / 46	Q4
2W	-0.19%	+0.02%	-0.21	41 / 44	Q4
1M	+0.10%	+0.15%	-0.05	20 / 45	Q2
3M	-0.77%	+0.49%	-1.26	42 / 43	Q4
6M	+0.48%	+1.06%	-0.58	20 / 43	Q2
YTD	+0.58%	+0.97%	-0.39	19 / 42	Q2
1Y	-2.84%	+1.56%	-4.40	39 / 42	Q4
2Y	-4.07%	+2.34%	-6.41	39 / 39	Q4
3Y	-1.77%	+2.52%	-4.28	39 / 39	Q4
4Y	+0.34%	+2.46%	-2.11	19 / 33	Q3
5Y	+1.04%	+1.93%	-0.89	14 / 32	Q2
7Y	+1.29%	+2.11%	-0.82	10 / 22	Q2
10Y	+0.90%	+2.29%	-1.40	8 / 12	Q3
Inception	+0.64%	+1.86%	-1.22	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	+0.58%	+0.97%	-0.39	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

+0.72%

178 windows

min -8.2% · max 7.5%

75% positive

3-Year rolling

+1.10%

155 windows

min -1.8% · max 5.2%

72% positive

5-Year rolling

+1.10%

130 windows

min 0.0% · max 3.5%

83% positive

7-Year rolling

+1.01%

106 windows

min 0.0% · max 2.5%

92% 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

3.23%

3-year · annualised

Sharpe ratio

-2.54

vs risk-free 6.5%

Sortino ratio

-2.71

Downside-only deviation

Max drawdown

-8.90%

Apr 2025 → Dec 2025

% positive months

55.6%

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 MMF - Regular Plan - Flexi Dividend Option	UTI	₹1,274.4634	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	₹1,110.5170
16 Jul 2026	₹1,109.9204
15 Jul 2026	₹1,109.4592
14 Jul 2026	₹1,110.8494
13 Jul 2026	₹1,111.4665
10 Jul 2026	₹1,111.1658
9 Jul 2026	₹1,110.9837
8 Jul 2026	₹1,110.3548
7 Jul 2026	₹1,112.4203
6 Jul 2026	₹1,113.0478

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 Money Market Fund - Regular Plan - Weekly IDCW is ₹1,110.5170. 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 5 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 -2.84% — -4.4 pp behind the Money Market Fund category average of 1.56%. The fund ranks #39 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 -1.77% — -4.28 pp behind the Money Market Fund category average of 2.52%. 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 1.04% — -0.89 pp behind the Money Market Fund category average of 1.93%. The fund ranks #14 of 32 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 ₹109,334 today — a multiplier of 1.09×, based on the 10-year CAGR of 0.90%. The category average over the same window would have grown ₹1 lakh to ₹125,464.

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 ₹585,898 today. That's an XIRR (money-weighted annualised return) of -0.94%.

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 ₹1,239,031 (multiplier 1.03×). XIRR: 0.63%. 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 #14 out of 32 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 1.93%; this fund delivered 1.04%.

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 3.53%, worst -0.03%). 83% of rolling windows ended positive. The 5-year Sharpe ratio is -2.00 — 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: 1.04%.

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