UTI Liquid Fund
LiquidModerateOPEN-ENDED
- NAV as on 27 Sep 2026
- ₹462.10+0.02%1 day
- Return since launch
- 6.8%
- 52-week range
- ₹454.45 — ₹4,543.73
- AUM
- ₹29,218 Cr
UTI Liquid Fund is a Liquid debt fund from UTI Mutual Fund with ₹29,218 Cr under management, launched in 2003. Over three years it has returned 6.7% a year, against 6.8% for its category. The expense ratio is 0.28% 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% | +0.3 pts | 6.3% | 6.4% |
| 2Y | 6.5% | +0.1 pts | 6.4% | 6.3% |
| 3Y | 6.7% | −0.1 pts | 6.8% | 6.5% |
| 5Y | 6.7% | +0.5 pts | 6.2% | 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 | 0.5% | 0.5% |
| 3M | 1.6% | 0.0 pts | 1.5% | 1.5% |
| 6M | 3.4% | +0.1 pts | 3.3% | 3.3% |
| 1Y | 6.4% | +0.1 pts | 6.3% | 6.3% |
| 2Y | 6.6% | +0.1 pts | 6.5% | 6.5% |
| 3Y | 6.8% | +0.1 pts | 6.8% | 6.7% |
| 5Y | 6.3% | +0.1 pts | 6.2% | 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 26 Sep 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 | 4.82 | 4.97 | Return earned for each unit of total risk taken. Higher is better. |
| Sortino | 10.00 | 9.82 | Return earned for each unit of downside risk. Higher is better. |
| Std. deviation | 0.20 | 0.20 | 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 31 Aug 2026
Asset allocation
- Debt85.4%
- Other14.6%
Top holdings
| Holding | Sector | Weight | Value | 3M chg | 6M chg | 1Y chg |
|---|---|---|---|---|---|---|
| Others | Others | 14.88% | ₹4,349 Cr | +0.62% | +0.74% | +0.79% |
| Reserve Bank of India | Financial | 4.23% | ₹1,236 Cr | +1.48% | +2.91% | +0.99% |
| National Bank For Agriculture & Rural Development | Financial | 3.72% | ₹1,087 Cr | +4.50% | +1.45% | +3.18% |
| UCO Bank | Financial | 3.38% | ₹989 Cr | — | — | — |
| Small Industries Devp. Bank of India Ltd. | Financial | 2.68% | ₹782 Cr | +4.05% | +8.23% | +5.94% |
| ICICI Bank Ltd. | Financial | 2.56% | ₹748 Cr | — | — | +0.49% |
| Indian Bank | Financial | 1.69% | ₹494 Cr | +0.75% | +1.83% | +0.49% |
| Punjab & Sind Bank | Financial | 1.69% | ₹493 Cr | +1.50% | +1.64% | — |
| NTPC Ltd. | Energy | 1.53% | ₹447 Cr | +0.75% | — | — |
| Can Fin Homes Ltd. | Financial | 1.35% | ₹395 Cr | +0.74% | — | — |
| Union Bank of India | Financial | 1.19% | ₹349 Cr | +1.04% | +1.36% | — |
| Central Bank of India | Financial | 1.18% | ₹345 Cr | +0.75% | — | — |
| DSP Finance Pvt Ltd. | Financial | 1.02% | ₹299 Cr | — | +0.37% | — |
| HSBC InvestDirect Financial Services India Ltd. | Financial | 0.93% | ₹271 Cr | +0.30% | — | +0.24% |
| Chennai Petroleum Corporation Ltd. | Energy | 0.86% | ₹250 Cr | — | — | — |
| Export-Import Bank Of India | Financial | 0.85% | ₹249 Cr | +0.74% | +0.72% | — |
| Grasim Industries Ltd. | Materials | 0.85% | ₹249 Cr | — | — | — |
| Indian Oil Corporation Ltd. | Energy | 0.85% | ₹249 Cr | — | — | +0.40% |
| IDFC First Bank Ltd. | Financial | 0.85% | ₹248 Cr | +0.74% | — | — |
| company:13088 | Financial | 0.85% | ₹247 Cr | — | — | — |
| Hindustan Petroleum Corporation Ltd. | Energy | 0.84% | ₹247 Cr | — | — | — |
| company:4726 | Financial | 0.84% | ₹247 Cr | +0.59% | +0.54% | +0.99% |
| Bajaj Finance Ltd. | Financial | 0.84% | ₹247 Cr | +0.30% | +0.37% | — |
| company:15648 | Financial | 0.84% | ₹247 Cr | +0.53% | +0.55% | +0.80% |
| company:11619 | Financial | 0.84% | ₹246 Cr | — | — | — |
| Birla Group Holdings Pvt. Ltd. | Financial | 0.68% | ₹200 Cr | +0.30% | +0.55% | — |
| Redington Ltd. | Services | 0.68% | ₹200 Cr | — | — | — |
| Bank of India | Financial | 0.68% | ₹199 Cr | — | +1.08% | — |
| ICICI Home Finance Company Ltd. | Financial | 0.68% | ₹198 Cr | +0.44% | — | — |
| company:12736 | Financial | 0.67% | ₹197 Cr | — | — | — |
| Motilal Oswal Financial Services Ltd. | Financial | 0.67% | ₹197 Cr | +0.44% | +0.54% | — |
| Hero FinCorp Ltd. | Financial | 0.67% | ₹197 Cr | +0.88% | — | +0.20% |
| Aditya Birla Capital Ltd. | Financial | 0.51% | ₹148 Cr | +0.30% | — | +0.98% |
| company:16348 | Financial | 0.42% | ₹123 Cr | +0.44% | +0.91% | +0.40% |
| REC Ltd. | Financial | 0.34% | ₹100 Cr | — | — | +0.22% |
| Nuvama Wealth Finance Ltd. | Financial | 0.34% | ₹99.88 Cr | +0.15% | +0.09% | +0.20% |
| Tata Teleservices Ltd. | Communication | 0.34% | ₹99.87 Cr | — | — | — |
| Canara Bank | Financial | 0.34% | ₹99.77 Cr | +0.74% | +1.80% | +1.38% |
| Nuvama Wealth and Investment Limited | Financial | 0.34% | ₹99.72 Cr | +0.08% | — | +0.10% |
| Reliance Retail Ventures Ltd. | Services | 0.34% | ₹99.66 Cr | — | +2.20% | +0.80% |
| company:1166 | Financial | 0.34% | ₹98.81 Cr | +0.45% | — | +0.50% |
| Bharat Petroleum Corporation Ltd. | Energy | 0.34% | ₹98.75 Cr | — | — | — |
| company:17680 | Materials | 0.34% | ₹98.74 Cr | — | — | — |
| company:5897 | Materials | 0.34% | ₹98.73 Cr | +0.60% | +0.73% | +0.30% |
| company:13404 | Financial | 0.34% | ₹98.66 Cr | — | — | — |
| company:7851 | Financial | 0.34% | ₹98.59 Cr | — | — | — |
| company:9765 | Financial | 0.34% | ₹98.56 Cr | — | +0.37% | +0.69% |
| Kotak Mahindra Securities Ltd. | Financial | 0.34% | ₹98.42 Cr | +0.59% | +0.27% | +0.39% |
| Axis Securities Ltd. | Others | 0.34% | ₹98.41 Cr | +0.59% | — | — |
| company:16794 | Financial | 0.34% | ₹98.36 Cr | +0.30% | +1.08% | — |
| company:2089 | Financial | 0.31% | ₹89.88 Cr | — | — | — |
| company:1272 | Consumer Staples | 0.25% | ₹73.98 Cr | — | — | — |
| Aditya Birla Money Ltd. | Financial | 0.17% | ₹49.79 Cr | +0.30% | — | +0.39% |
| HDFC Bank Ltd. | Financial | 0.17% | ₹49.59 Cr | +1.18% | +1.64% | +1.98% |
| company:652 | Automobile | 0.17% | ₹49.36 Cr | +0.15% | — | — |
Sectors
Instruments
Recent changes
| Holding | From | To | Weight |
|---|---|---|---|
| Reserve Bank of India | 1.86% | 4.23% | +2.37% |
| UCO Bank | 1.11% | 3.38% | +2.27% |
| Bank of India | 2.60% | 0.68% | -1.91% |
| National Bank For Agriculture & Rural Development | 0.19% | 2.03% | +1.84% |
| L&T Finance Ltd. | 1.21% | 0.00% | -1.21% |
| HDFC Bank Ltd. | 1.29% | 0.17% | -1.12% |
| Chennai Petroleum Corporation Ltd. | 1.86% | 0.86% | -1.00% |
| Can Fin Homes Ltd. | 0.37% | 1.35% | +0.98% |
| Bajaj Housing Finance Ltd. | 0.93% | 0.00% | -0.93% |
| DBS Bank Ltd. | 0.93% | 0.00% | -0.93% |
| company:13088 | 0.00% | 0.85% | +0.85% |
| company:4726 | 0.00% | 0.84% | +0.84% |
| company:15648 | 0.00% | 0.84% | +0.84% |
| company:11619 | 0.00% | 0.84% | +0.84% |
| Tata Capital Housing Finance Ltd. | 0.75% | 0.00% | -0.75% |
| ICICI Securities Ltd. | 0.74% | 0.00% | -0.74% |
| IGH Holdings Pvt. Ltd. | 0.74% | 0.00% | -0.74% |
| company:12736 | 0.00% | 0.67% | +0.67% |
| Punjab & Sind Bank | 1.12% | 1.69% | +0.57% |
| Indusind Bank Ltd. | 0.56% | 0.00% | -0.56% |
| DCB Bank Ltd. | 0.56% | 0.00% | -0.56% |
| HSBC InvestDirect Financial Services India Ltd. | 0.37% | 0.93% | +0.55% |
| Power Finance Corporation Ltd. | 0.54% | 0.00% | -0.54% |
| Hindustan Petroleum Corporation Ltd. | 0.37% | 0.84% | +0.47% |
| Hero FinCorp Ltd. | 1.12% | 0.67% | -0.44% |
| company:16348 | 0.00% | 0.42% | +0.42% |
| Kotak Mahindra Securities Ltd. | 0.75% | 0.34% | -0.41% |
| Axis Securities Ltd. | 0.75% | 0.34% | -0.41% |
| Bharat Petroleum Corporation Ltd. | 0.74% | 0.34% | -0.40% |
| SMFG India Credit Company Ltd. | 0.39% | 0.00% | -0.39% |
| Tata Communications Ltd. | 0.37% | 0.00% | -0.37% |
| Mirae Asset Financial Services (India) Pvt Ltd. | 0.37% | 0.00% | -0.37% |
| Tata Capital Ltd. | 0.37% | 0.00% | -0.37% |
| Axis Bank Ltd. | 0.37% | 0.00% | -0.37% |
| Fedbank Financial Services Ltd. | 0.37% | 0.00% | -0.37% |
| company:1166 | 0.00% | 0.34% | +0.34% |
| company:17680 | 0.00% | 0.34% | +0.34% |
| company:5897 | 0.00% | 0.34% | +0.34% |
| company:13404 | 0.00% | 0.34% | +0.34% |
| company:7851 | 0.00% | 0.34% | +0.34% |
| company:9765 | 0.00% | 0.34% | +0.34% |
| company:16794 | 0.00% | 0.34% | +0.34% |
| company:2089 | 0.00% | 0.31% | +0.31% |
| company:1272 | 0.00% | 0.25% | +0.25% |
| Central Bank of India | 0.93% | 1.18% | +0.25% |
| Aditya Birla Capital Ltd. | 0.74% | 0.51% | -0.23% |
| ICICI Bank Ltd. | 2.78% | 2.56% | -0.22% |
| ICICI Home Finance Company Ltd. | 0.47% | 0.68% | +0.21% |
| Aditya Birla Money Ltd. | 0.37% | 0.17% | -0.20% |
| Nuvama Wealth Management Ltd. | 0.19% | 0.00% | -0.19% |
| company:652 | 0.00% | 0.17% | +0.17% |
| NTPC Ltd. | 1.66% | 1.53% | -0.13% |
| Motilal Oswal Financial Services Ltd. | 0.56% | 0.67% | +0.11% |
| Union Bank of India | 1.30% | 1.19% | -0.10% |
| DSP Finance Pvt Ltd. | 1.11% | 1.02% | -0.09% |
| Bajaj Finance Ltd. | 0.93% | 0.84% | -0.09% |
| Small Industries Devp. Bank of India Ltd. | 0.93% | 0.85% | -0.08% |
| Indian Bank | 1.77% | 1.69% | -0.08% |
| Export-Import Bank Of India | 0.93% | 0.85% | -0.07% |
| Indian Oil Corporation Ltd. | 0.93% | 0.85% | -0.07% |
| Grasim Industries Ltd. | 0.93% | 0.85% | -0.07% |
| IDFC First Bank Ltd. | 0.92% | 0.85% | -0.07% |
| Redington Ltd. | 0.74% | 0.68% | -0.06% |
| Birla Group Holdings Pvt. Ltd. | 0.74% | 0.68% | -0.06% |
| REC Ltd. | 0.37% | 0.34% | -0.03% |
| Canara Bank | 0.37% | 0.34% | -0.03% |
| Reliance Retail Ventures Ltd. | 0.37% | 0.34% | -0.03% |
| Tata Teleservices Ltd. | 0.37% | 0.34% | -0.03% |
| Nuvama Wealth Finance Ltd. | 0.37% | 0.34% | -0.03% |
| Nuvama Wealth and Investment Limited | 0.37% | 0.34% | -0.03% |
| Others | 0.30% | 0.27% | -0.02% |
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 | ₹22,488 Cr | 0.19% | 6.6% | 6.7% | 6.7% |
 Axis Liquid Fund | ₹63,343 Cr | 0.23% | 6.6% | 6.7% | 6.7% |
 DSP Liquid Fund | ₹27,920 Cr | 0.21% | 6.6% | 6.7% | 6.7% |
 Edelweiss Liquid Fund | ₹13,272 Cr | 0.17% | 6.6% | 6.7% | 6.7% |
 Franklin India Liquid Fund | ₹6,082 Cr | 0.20% | 6.7% | 6.7% | 6.7% |
 Bank of India Liquid Fund | ₹1,825 Cr | 0.15% | 6.6% | 6.7% | 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 months3.42% absolute | ₹60,000 | ₹62,052 | 3.42% | |
| 1 year6.40% annualised | ₹1,20,000 | ₹1,24,242 | 3.54% | |
| 3 years6.85% annualised | ₹3,60,000 | ₹4,00,677 | 11.30% | |
| 5 years6.28% annualised | ₹6,00,000 | ₹7,06,422 | 17.74% |
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 ₹462.10 as on 27 Sep 2026.
What is the expense ratio of UTI Liquid Fund?
The expense ratio of UTI Liquid Fund is 0.28% 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, 6.7% 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 66 schemes with ₹3,94,848 Cr under management.