Should I invest in UTI - Overnight Fund?

We don't give personal investment advice. UTI - Overnight Fund - Direct Plan - Growth 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. Worst 5-year drawdown: 0.0%. 5-year CAGR: 5.59%.

UTI

UTI - Overnight Fund - Direct Plan - Growth Option

Unit split applied to historical metrics

This scheme had a 100× unit consolidation on 3 May 2018. Returns, SIP simulations and risk metrics on this page are split-adjusted — they reflect what a real investor's portfolio experienced (a consolidation doesn't change portfolio value, only the unit count and per-unit NAV).

Latest NAV

₹3,719.7878

As of

3 Jun 2026

3,749 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	+0.01%	+0.01%	+0.00	12 / 41	Q2
1W	+0.10%	+0.10%	+0.00	26 / 41	Q3
2W	+0.20%	+0.19%	+0.01	21 / 41	Q3
1M	+0.42%	+0.40%	+0.02	23 / 41	Q3
3M	+1.29%	+1.21%	+0.07	13 / 41	Q2
6M	+2.58%	+2.43%	+0.15	16 / 41	Q2
YTD	+2.14%	+2.02%	+0.12	16 / 41	Q2
1Y	+5.35%	+5.02%	+0.33	14 / 41	Q2
2Y	+5.93%	+5.58%	+0.35	13 / 38	Q2
3Y	+6.22%	+5.86%	+0.36	15 / 37	Q2
4Y	+6.15%	+5.75%	+0.40	14 / 33	Q2
5Y	+5.59%	+5.58%	+0.01	13 / 27	Q2
7Y	+5.11%	+5.07%	+0.04	7 / 21	Q2
10Y	+5.58%	+5.45%	+0.13	1 / 3	Q2
Inception	+6.21%	+5.14%	+1.07	3 / 41	Q1

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	+2.14%	+2.02%	+0.12	16 / 41
2025	+5.80%	+5.45%	+0.35	14 / 38
2024	+6.70%	+6.34%	+0.37	15 / 38
2023	+6.68%	+6.31%	+0.37	16 / 36
2022	+4.69%	+4.68%	+0.00	16 / 27
2021	+3.18%	+3.19%	0.00	13 / 27
2020	+3.41%	+3.40%	+0.01	10 / 26
2019	+5.69%	+5.64%	+0.05	3 / 8
2018	+5.91%	+6.11%	-0.20	3 / 3
2017	+5.04%	+5.61%	-0.57	3 / 3
2016	+9.07%	+7.48%	+1.58	1 / 3

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

+6.21%

151 windows

min 3.0% · max 9.5%

100% positive

3-Year rolling

+5.97%

127 windows

min 3.7% · max 8.8%

100% positive

5-Year rolling

+5.70%

103 windows

min 4.4% · max 7.8%

100% positive

7-Year rolling

+5.63%

78 windows

min 4.9% · max 7.2%

100% 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

0.19%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.00%

Peak to trough

% 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 Overnight Fund

Scheme	Fund house	NAV	As of
HDFC Overnight Fund - Growth Option - Direct Plan	HDFC	₹4,028.2058	3 Jun 2026
Nippon India Overnight Fund - Direct Plan - Growth Option	Nippon India	₹145.9846	3 Jun 2026
SBI OVERNIGHT FUND - DIRECT PLAN - GROWTH	SBI	₹4,418.4117	3 Jun 2026
ICICI Prudential Overnight Fund - Direct Plan - Growth	ICICI Prudential	₹1,464.3701	3 Jun 2026
Invesco India Overnight Fund - Direct Plan - Growth	Invesco	₹1,372.9716	3 Jun 2026
BANDHAN Overnight Fund - Direct Plan - Growth	Bandhan	₹1,449.3104	3 Jun 2026
quant Overnight Fund - Growth Option - Direct Plan	Quant	₹12.4167	3 Jun 2026
ADITYA BIRLA SUN LIFE OVERNIGHT FUND-DIRECT PLAN-GROWTH	Aditya Birla Sun Life	₹1,469.7090	3 Jun 2026
Franklin India Overnight Fund- Growth - Direct	Franklin India	₹1,417.6439	3 Jun 2026
Mirae Asset Overnight Fund Direct Plan Growth	Mirae Asset	₹1,393.6862	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹3,719.7878
2 Jun 2026	₹3,719.2691
1 Jun 2026	₹3,718.7458
31 May 2026	₹3,718.2282
29 May 2026	₹3,717.1449
28 May 2026	₹3,716.6107
26 May 2026	₹3,715.5540
25 May 2026	₹3,715.0334
24 May 2026	₹3,714.5116
21 May 2026	₹3,712.9205

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 - Overnight Fund - Direct Plan - Growth Option is ₹3,719.7878. It's a Overnight Fund from UTI, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

UTI - Overnight Fund - Direct Plan - Growth Option has NAV history starting from 14 Jan 2013, a track record of about 13 years 4 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 - Overnight Fund - Direct Plan - Growth Option is managed by UTI. It's classified by AMFI under the 'Overnight Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, UTI - Overnight Fund - Direct Plan - Growth Option has delivered a absolute return of 5.35% — +0.33 pp ahead of the Overnight Fund category average of 5.02%. The fund ranks #14 of 41 in its category — the second (Q2) quartile.

Over the trailing 3-year window, UTI - Overnight Fund - Direct Plan - Growth Option has delivered a CAGR of 6.22% — +0.36 pp ahead of the Overnight Fund category average of 5.86%. The fund ranks #15 of 37 in its category — the second (Q2) quartile.

Over the trailing 5-year window, UTI - Overnight Fund - Direct Plan - Growth Option has delivered a CAGR of 5.59% — +0.01 pp ahead of the Overnight Fund category average of 5.58%. The fund ranks #13 of 27 in its category — the second (Q2) quartile.

₹1 lakh invested in UTI - Overnight Fund - Direct Plan - Growth Option exactly 10 years ago would be worth approximately ₹172,173 today — a multiplier of 1.72×, based on the 10-year CAGR of 5.58%. The category average over the same window would have grown ₹1 lakh to ₹170,066.

A ₹10,000 monthly SIP in UTI - Overnight Fund - Direct Plan - Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹697,696 today. That's an XIRR (money-weighted annualised return) of 5.97%.

A ₹10,000 monthly SIP for 10 years in UTI - Overnight Fund - Direct Plan - Growth Option = ₹1,200,000 invested. It would currently be worth ₹1,583,058 (multiplier 1.32×). XIRR: 5.40%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, UTI - Overnight Fund - Direct Plan - Growth Option ranks #13 out of 27 funds in the Overnight Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 5.58%; this fund delivered 5.59%.

The worst peak-to-trough decline UTI - Overnight Fund - Direct Plan - Growth Option has experienced over the last 5-year window is 0.00%. 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 - Overnight Fund - Direct Plan - Growth Option averaged 5.70% (best 7.83%, worst 4.42%). 100% of rolling windows ended positive.

In calendar year 2025, UTI - Overnight Fund - Direct Plan - Growth Option returned 5.80% — beating the Overnight Fund category average of 5.45% by 0.35 pp. It ranked #14 of 38 in its category that year.

UTI - Overnight Fund - Direct Plan - Growth 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 - Overnight Fund - Direct Plan - Growth 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. Worst 5-year drawdown: 0.0%. 5-year CAGR: 5.59%.

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

UTI - Overnight Fund - Direct Plan - Growth Option

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Overnight Fund

Recent NAVs

Frequently asked questions

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