UTI Liquid Fund
LiquidModerateOPEN-ENDED
- NAV as on 10 Nov 2026
- ₹465.52+0.03%1 day
- Return since launch
- 6.8%
- 52-week range
- ₹454.45 — ₹4,543.73
- AUM
- ₹27,453 Cr
UTI Liquid Fund is a Liquid debt fund from UTI Mutual Fund with ₹27,453 Cr under management, launched in 2003. Over three years it has returned 6.6% a year, against 6.7% for its category. The expense ratio is 0.25% and the SEBI riskometer reading is Moderate.
Performance
UTI Liquid Fund NAV and returns
Growth of the fund against its category average over the period you pick.
Over 1Y this fund returned +6.4% against +6.2% for its category.
Performance
Returns
How the fund has done against its category and its benchmark.
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1Y | 6.5% | +0.2 pts | 6.3% | 6.3% |
| 2Y | 6.4% | +0.1 pts | 6.3% | 6.3% |
| 3Y | 6.6% | −0.1 pts | 6.7% | 6.5% |
| 5Y | 6.7% | +0.4 pts | 6.3% | 6.5% |
| 7Y | 6.2% | +0.1 pts | 6.1% | 6.1% |
| 10Y | 6.0% | +0.1 pts | 6.0% | 5.9% |
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1M | 0.5% | 0.0 pts | 0.4% | 0.5% |
| 3M | 1.5% | 0.0 pts | 1.4% | 1.5% |
| 6M | 3.2% | +0.1 pts | 3.1% | 3.1% |
| 1Y | 6.4% | +0.1 pts | 6.3% | 6.3% |
| 2Y | 6.5% | +0.1 pts | 6.4% | 6.4% |
| 3Y | 6.8% | +0.1 pts | 6.7% | 6.7% |
| 5Y | 6.3% | +0.1 pts | 6.3% | 6.2% |
| 7Y | 5.6% | +0.1 pts | 5.5% | 5.5% |
| 10Y | 6.0% | +0.1 pts | 6.0% | 6.0% |
Since launch (10 Dec 2003): 6.8%
Calendar-year returns
Category average4.2%
3.3%
4.8%
7.0%
7.3%
6.5%
Show as a table
| Period | Fund | vs category | Category |
|---|---|---|---|
| 2025 | 6.5% | +0.1 pts | 6.4% |
| 2024 | 7.3% | 0.0 pts | 7.3% |
| 2023 | 7.0% | +0.1 pts | 7.0% |
| 2022 | 4.8% | 0.0 pts | 4.8% |
| 2021 | 3.3% | 0.0 pts | 3.3% |
| 2020 | 4.2% | +0.1 pts | 4.0% |
Returns over one year are annualised. Shorter periods are absolute.
Costs & terms
Costs and terms
What the fund charges each year, and the rules around putting money in and taking it out.
Costs
0.25%
Expense ratio as on 6 Nov 2026
Charged yearly and already deducted from the NAV.
- Base expense
- 0.21%
- Brokerage
- 0.00%
- Transaction charges
- 0.00%
- Statutory levies
- 0.04%
- Exit load
- Exit load of 0.0070% if redeemed within 1 day, 0.0065% if redeemed within 2 days, 0.0060% if redeemed within 3 days, 0.0055% if redeemed within 4 days, 0.0050% if redeemed within 5 days, 0.0045% if redeemed within 6 days.
- Lock-in
- None
Terms
- Min SIP
- ₹-1
- Min lumpsum
- ₹5,000
- Plan
- GROWTH
- Fund type
- OPEN-ENDED
- Benchmark
- NIFTY Liquid Index A-I
Risk
Risk
What the riskometer means for this fund, and how its ratios sit against the category.
Moderate
Your principal is treated as being at moderate risk — typically medium duration debt and conservative hybrid schemes.
| Ratio | Fund | Category avg | Read as |
|---|---|---|---|
| Alpha | — | — | Return earned above what the benchmark alone would have given. Higher is better. |
| Beta | — | — | How hard the fund moves when the market moves. Under 1 is steadier than the market. |
| Sharpe | 4.93 | 5.05 | Return earned for each unit of total risk taken. Higher is better. |
| Sortino | 11.05 | 12.32 | Return earned for each unit of downside risk. Higher is better. |
| Std. deviation | 0.21 | 0.21 | How widely monthly returns have varied around their own average. Lower is steadier. |
| Average of 5 category peers | |||
Portfolio
UTI Liquid Fund portfolio
Portfolio as of 30 Sep 2026
Asset allocation
- Debt95.6%
- Other4.4%
Top holdings
| Holding | Sector | Weight | Value | 3M chg | 6M chg | 1Y chg |
|---|---|---|---|---|---|---|
| Others | Others | 4.67% | ₹1,281 Cr | +0.75% | +1.03% | +0.90% |
| Reserve Bank of India | Financial | 4.52% | ₹1,241 Cr | +2.52% | +4.25% | +1.13% |
| National Bank For Agriculture & Rural Development | Financial | 3.89% | ₹1,068 Cr | +2.50% | +7.47% | +3.60% |
| UCO Bank | Financial | 3.44% | ₹944 Cr | — | +0.25% | — |
| Small Industries Devp. Bank of India Ltd. | Financial | 3.06% | ₹841 Cr | +1.79% | +7.46% | +1.82% |
| HDFC Bank Ltd. | Financial | 2.52% | ₹693 Cr | +2.87% | +1.00% | +5.17% |
| Punjab & Sind Bank | Financial | 1.79% | ₹493 Cr | +1.07% | +2.49% | — |
| NTPC Ltd. | Energy | 1.64% | ₹449 Cr | +0.18% | — | +1.13% |
| Can Fin Homes Ltd. | Financial | 1.45% | ₹397 Cr | +0.90% | — | +0.90% |
| Bank of India | Financial | 1.44% | ₹395 Cr | +2.50% | +2.50% | +0.79% |
| Central Bank of India | Financial | 1.26% | ₹347 Cr | +0.89% | +2.50% | — |
| Chennai Petroleum Corporation Ltd. | Energy | 1.09% | ₹299 Cr | — | — | — |
| Tata Communications Ltd. | Communication | 1.09% | ₹299 Cr | +0.36% | — | — |
| JSW Energy Ltd. | Capital Goods | 1.08% | ₹296 Cr | — | +2.49% | — |
| HSBC InvestDirect Financial Services India Ltd. | Financial | 0.99% | ₹272 Cr | +0.36% | — | +0.27% |
| Mahindra Rural Housing Finance Ltd. | Financial | 0.90% | ₹248 Cr | — | — | — |
| Hindustan Petroleum Corporation Ltd. | Energy | 0.90% | ₹248 Cr | +0.36% | — | — |
| Muthoot Fincorp Ltd. | Financial | 0.90% | ₹248 Cr | — | — | — |
| Bajaj Finance Ltd. | Financial | 0.90% | ₹248 Cr | +0.36% | — | +1.13% |
| HDFC Securities Ltd. | Financial | 0.90% | ₹248 Cr | — | +1.50% | +0.90% |
| Karur Vysya Bank Ltd. | Financial | 0.90% | ₹248 Cr | — | +1.99% | +0.45% |
| Canara Bank | Financial | 0.90% | ₹248 Cr | +0.36% | +2.50% | +1.58% |
| Godrej Finance Ltd. | Financial | 0.90% | ₹247 Cr | — | — | +0.45% |
| ICICI Home Finance Company Ltd. | Financial | 0.72% | ₹199 Cr | +0.54% | — | — |
| Export-Import Bank Of India | Financial | 0.72% | ₹199 Cr | +0.90% | +1.00% | +0.90% |
| TVS Credit Services Ltd. | Financial | 0.72% | ₹198 Cr | — | — | — |
| Motilal Oswal Financial Services Ltd. | Financial | 0.72% | ₹198 Cr | +0.54% | +0.75% | +0.45% |
| Hero FinCorp Ltd. | Financial | 0.72% | ₹198 Cr | +1.07% | — | +0.68% |
| Union Bank of India | Financial | 0.72% | ₹198 Cr | +1.25% | +2.49% | +0.45% |
| Power Finance Corporation Ltd. | Financial | 0.72% | ₹198 Cr | +0.53% | +1.99% | +2.03% |
| Titan Company Ltd. | Consumer Discretionary | 0.72% | ₹198 Cr | — | — | — |
| Reliance Industries Ltd. | Energy | 0.72% | ₹198 Cr | — | — | — |
| Reliance Retail Ventures Ltd. | Services | 0.72% | ₹198 Cr | +0.36% | — | +1.58% |
| Birla Group Holdings Pvt. Ltd. | Financial | 0.63% | ₹173 Cr | +0.71% | +0.50% | — |
| Bajaj Financial Securities Ltd. | Financial | 0.63% | ₹173 Cr | +0.54% | +1.50% | +0.90% |
| Aditya Birla Capital Ltd. | Financial | 0.54% | ₹149 Cr | +0.36% | — | +1.13% |
| ICICI Securities Ltd. | Financial | 0.54% | ₹148 Cr | +0.72% | +0.50% | +0.34% |
| Indian Bank | Financial | 0.54% | ₹148 Cr | +1.70% | +1.25% | +1.13% |
| GIC Housing Finance Ltd. | Financial | 0.36% | ₹99.34 Cr | — | +0.75% | +0.57% |
| Nuvoco Vistas Corporation Ltd. | Materials | 0.36% | ₹99.33 Cr | — | +1.00% | +0.34% |
| NU VISTA Ltd. | Materials | 0.36% | ₹99.32 Cr | — | — | — |
| Bharat Petroleum Corporation Ltd. | Energy | 0.36% | ₹99.27 Cr | — | — | — |
| Toyota Financial Services Ltd. | Financial | 0.36% | ₹99.26 Cr | — | — | — |
| Infina Finance Pvt. Ltd. | Financial | 0.36% | ₹99.15 Cr | — | — | +0.80% |
| Aadhar Housing Finance Ltd | Financial | 0.36% | ₹99.15 Cr | — | — | — |
| Sharekhan Ltd. | Financial | 0.36% | ₹99.01 Cr | — | +1.50% | — |
| Kotak Mahindra Securities Ltd. | Financial | 0.36% | ₹98.99 Cr | +0.72% | +1.00% | +0.90% |
| Axis Securities Ltd. | Others | 0.36% | ₹98.98 Cr | +0.72% | +1.00% | +0.68% |
| Barclays Investments & Loans Ltd. | Financial | 0.36% | ₹98.73 Cr | — | — | — |
| Redington Ltd. | Services | 0.36% | ₹98.69 Cr | — | — | — |
| Hinduja Leyland Finance Ltd. | Financial | 0.36% | ₹98.65 Cr | — | — | — |
| Kotak Mahindra Bank Ltd. | Financial | 0.36% | ₹98.63 Cr | — | +0.88% | +1.13% |
| The India Cements Ltd. | Materials | 0.36% | ₹98.52 Cr | — | — | — |
| LIC Housing Finance Ltd. | Financial | 0.33% | ₹89.94 Cr | — | — | — |
| Nuvama Wealth and Investment Limited | Financial | 0.27% | ₹74.42 Cr | +0.36% | +0.12% | — |
| Godrej Industries Ltd. | Consumer Staples | 0.27% | ₹74.36 Cr | — | — | — |
| Ceat Ltd. | Automobile | 0.18% | ₹49.62 Cr | — | — | +0.45% |
| Axis Bank Ltd. | Financial | 0.18% | ₹49.51 Cr | +1.79% | +0.25% | +2.71% |
| AU Small Finance Bank Ltd. | Financial | 0.09% | ₹24.81 Cr | +1.07% | — | — |
Sectors
Instruments
Recent changes
| Holding | From | To | Weight |
|---|---|---|---|
| company:1570 | 2.56% | 0.00% | -2.56% |
| HDFC Bank Ltd. | 0.17% | 2.34% | +2.17% |
| Small Industries Devp. Bank of India Ltd. | 0.85% | 2.52% | +1.67% |
| Indian Bank | 1.69% | 0.54% | -1.15% |
| Tata Communications Ltd. | 0.00% | 1.09% | +1.09% |
| JSW Energy Ltd. | 0.00% | 1.08% | +1.08% |
| company:20249 | 1.02% | 0.00% | -1.02% |
| Godrej Finance Ltd. | 0.00% | 0.90% | +0.90% |
| company:1308 | 0.85% | 0.00% | -0.85% |
| company:1643 | 0.85% | 0.00% | -0.85% |
| company:14064 | 0.85% | 0.00% | -0.85% |
| Bank of India | 0.68% | 1.44% | +0.76% |
| Power Finance Corporation Ltd. | 0.00% | 0.72% | +0.72% |
| Titan Company Ltd. | 0.00% | 0.72% | +0.72% |
| Reliance Industries Ltd. | 0.00% | 0.72% | +0.72% |
| Canara Bank | 0.34% | 0.90% | +0.56% |
| ICICI Securities Ltd. | 0.00% | 0.54% | +0.54% |
| Union Bank of India | 1.19% | 0.72% | -0.47% |
| Reliance Retail Ventures Ltd. | 0.34% | 0.72% | +0.38% |
| Barclays Investments & Loans Ltd. | 0.00% | 0.36% | +0.36% |
| Hinduja Leyland Finance Ltd. | 0.00% | 0.36% | +0.36% |
| Kotak Mahindra Bank Ltd. | 0.00% | 0.36% | +0.36% |
| The India Cements Ltd. | 0.00% | 0.36% | +0.36% |
| company:4975 | 0.34% | 0.00% | -0.34% |
| company:17814 | 0.34% | 0.00% | -0.34% |
| company:7188 | 0.34% | 0.00% | -0.34% |
| Redington Ltd. | 0.68% | 0.36% | -0.32% |
| Reserve Bank of India | 4.23% | 4.52% | +0.29% |
| Chennai Petroleum Corporation Ltd. | 0.86% | 1.09% | +0.23% |
| Bajaj Financial Securities Ltd. | 0.42% | 0.63% | +0.21% |
| Axis Bank Ltd. | 0.00% | 0.18% | +0.18% |
| company:9978 | 0.17% | 0.00% | -0.17% |
| National Bank For Agriculture & Rural Development | 2.03% | 2.17% | +0.14% |
| Export-Import Bank Of India | 0.85% | 0.72% | -0.13% |
| NTPC Ltd. | 1.53% | 1.64% | +0.11% |
| Punjab & Sind Bank | 1.69% | 1.79% | +0.11% |
| Can Fin Homes Ltd. | 1.35% | 1.45% | +0.09% |
| AU Small Finance Bank Ltd. | 0.00% | 0.09% | +0.09% |
| Central Bank of India | 1.18% | 1.26% | +0.08% |
| Nuvama Wealth and Investment Limited | 0.34% | 0.27% | -0.07% |
| HSBC InvestDirect Financial Services India Ltd. | 0.93% | 0.99% | +0.07% |
| Muthoot Fincorp Ltd. | 0.84% | 0.90% | +0.06% |
| Bajaj Finance Ltd. | 0.84% | 0.90% | +0.06% |
| HDFC Securities Ltd. | 0.84% | 0.90% | +0.06% |
| Hindustan Petroleum Corporation Ltd. | 0.84% | 0.90% | +0.06% |
| Mahindra Rural Housing Finance Ltd. | 0.85% | 0.90% | +0.06% |
| Karur Vysya Bank Ltd. | 0.84% | 0.90% | +0.06% |
| UCO Bank | 3.38% | 3.44% | +0.06% |
| Birla Group Holdings Pvt. Ltd. | 0.68% | 0.63% | -0.05% |
| Hero FinCorp Ltd. | 0.67% | 0.72% | +0.05% |
| Motilal Oswal Financial Services Ltd. | 0.67% | 0.72% | +0.05% |
| TVS Credit Services Ltd. | 0.67% | 0.72% | +0.05% |
| ICICI Home Finance Company Ltd. | 0.68% | 0.72% | +0.05% |
| Aditya Birla Capital Ltd. | 0.51% | 0.54% | +0.04% |
| Sharekhan Ltd. | 0.34% | 0.36% | +0.02% |
| Nuvoco Vistas Corporation Ltd. | 0.34% | 0.36% | +0.02% |
| Toyota Financial Services Ltd. | 0.34% | 0.36% | +0.02% |
| NU VISTA Ltd. | 0.34% | 0.36% | +0.02% |
| Infina Finance Pvt. Ltd. | 0.34% | 0.36% | +0.02% |
| Axis Securities Ltd. | 0.34% | 0.36% | +0.02% |
| Kotak Mahindra Securities Ltd. | 0.34% | 0.36% | +0.02% |
| Aadhar Housing Finance Ltd | 0.34% | 0.36% | +0.02% |
| GIC Housing Finance Ltd. | 0.34% | 0.36% | +0.02% |
| Bharat Petroleum Corporation Ltd. | 0.34% | 0.36% | +0.02% |
| LIC Housing Finance Ltd. | 0.31% | 0.33% | +0.02% |
| Others | 0.27% | 0.29% | +0.02% |
| Godrej Industries Ltd. | 0.25% | 0.27% | +0.02% |
| Ceat Ltd. | 0.17% | 0.18% | +0.01% |
Compare
Similar funds
The rest of the category, so this fund’s numbers have something to sit against.
| Fund | AUM | Expense | 1Y | 3Y | 5Y |
|---|---|---|---|---|---|
| Category average | ₹16,105 Cr | 0.20% | 6.5% | 6.6% | 6.7% |
 Axis Liquid Fund | ₹53,784 Cr | 0.26% | 6.5% | 6.6% | 6.7% |
 Edelweiss Liquid Fund | ₹17,831 Cr | 0.19% | 6.5% | 6.6% | 6.7% |
 Franklin India Liquid Fund | ₹4,811 Cr | 0.20% | 6.6% | 6.7% | 6.7% |
 Bank of India Liquid Fund | ₹2,326 Cr | 0.15% | 6.5% | 6.6% | 6.7% |
 PGIM India Liquid Fund | ₹1,773 Cr | 0.22% | 6.5% | 6.6% | 6.7% |
About
About this fund
The scheme’s own words, its benchmark and the people running it.
Investment objective
The scheme seeks to generate steady and reasonable income, with low risk and high level of liquidity from a portfolio of debt & money market instruments.
Fund managers
- Amit SharmaMr. Sharma is a B.Com, CA, FRMHe has been associated with the Dept. of Fund Management of UTI for the past 5 years.
Tools
Return calculator
What ₹10,000 a month in this fund would have grown to over each period, based on its past returns.
₹
| Over the past | Total investment | Would’ve become | Growth | Returns |
|---|---|---|---|---|
| 6 months3.20% absolute | ₹60,000 | ₹61,920 | 3.20% | |
| 1 year6.43% annualised | ₹1,20,000 | ₹1,24,263 | 3.55% | |
| 3 years6.82% annualised | ₹3,60,000 | ₹4,00,487 | 11.25% | |
| 5 years6.36% annualised | ₹6,00,000 | ₹7,07,926 | 17.99% |
Returns for 1 year and longer are annualised (CAGR); 6-month figures are absolute. Past returns are not a forecast.
How this is calculated
Each monthly instalment grows at the fund’s annualised return ÷ 12 per month until the end of the period, the same formula as our SIP calculator.
The amount compounds once a year at the fund’s CAGR for that period, the same formula as our lumpsum calculator.
Questions
Frequently asked questions
The things people ask about this scheme.
What is the NAV of UTI Liquid Fund?
The NAV of UTI Liquid Fund is ₹465.52 as on 10 Nov 2026.
What is the expense ratio of UTI Liquid Fund?
The expense ratio of UTI Liquid Fund is 0.25% per year.
What is the minimum SIP amount for UTI Liquid Fund?
You can start a SIP in UTI Liquid Fund with ₹-1 a month.
What returns has UTI Liquid Fund given?
UTI Liquid Fund has returned 6.5% over 1 year, 6.6% over 3 years and 6.7% over 5 years (annualised).
Is there a lock-in or exit load on UTI Liquid Fund?
Lock-in: None. Exit load: Exit load of 0.0070% if redeemed within 1 day, 0.0065% if redeemed within 2 days, 0.0060% if redeemed within 3 days, 0.0055% if redeemed within 4 days, 0.0050% if redeemed within 5 days, 0.0045% if redeemed within 6 days..
How risky is UTI Liquid Fund?
UTI Liquid Fund is rated Moderate on the SEBI riskometer and belongs to the Liquid category.
Which fund house manages UTI Liquid Fund?
UTI Liquid Fund is managed by UTI Mutual Fund, which runs 67 schemes with ₹4,04,584 Cr under management.