UTI Money Market Fund
Money MarketModerateOPEN-ENDED
- NAV as on 23 Sep 2026
- ₹3,337.33+0.02%1 day
- Return since launch
- 7.2%
- 52-week range
- ₹3,134.81 — ₹3,337.33
- AUM
- ₹19,468 Cr
UTI Money Market Fund is a Money Market debt fund from UTI Mutual Fund with ₹19,468 Cr under management, launched in 2009. Over three years it has returned 7.1% a year, against 7.0% for its category. The expense ratio is 0.24% and the SEBI riskometer reading is Moderate.
Performance
UTI Money Market Fund NAV and returns
Growth of the fund against its category average over the period you pick.
Over 1Y this fund returned +6.5% against +6.4% for its category.
Performance
Returns
How the fund has done against its category and its benchmark.
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1Y | 6.8% | +0.6 pts | 6.3% | 6.7% |
| 2Y | 6.9% | +0.2 pts | 6.7% | 6.8% |
| 3Y | 7.1% | +0.1 pts | 7.0% | 7.0% |
| 5Y | 7.1% | +0.8 pts | 6.3% | 6.9% |
| 7Y | 6.7% | +0.2 pts | 6.4% | 6.4% |
| 10Y | 6.6% | +0.3 pts | 6.4% | 6.4% |
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1M | 0.6% | 0.0 pts | 0.6% | 0.6% |
| 3M | 1.8% | +0.1 pts | 1.8% | 1.7% |
| 6M | 3.7% | +0.1 pts | 3.6% | 3.6% |
| 1Y | 6.5% | +0.2 pts | 6.3% | 6.4% |
| 2Y | 7.2% | +0.3 pts | 6.9% | 7.0% |
| 3Y | 7.3% | +0.3 pts | 7.0% | 7.1% |
| 5Y | 6.7% | +0.3 pts | 6.3% | 6.4% |
| 7Y | 6.3% | +0.3 pts | 6.0% | 5.9% |
| 10Y | 6.6% | +0.3 pts | 6.4% | 6.6% |
Since launch (6 Jul 2009): 7.2%
Calendar-year returns
Category average6.0%
3.7%
4.9%
7.4%
7.7%
7.5%
Show as a table
| Period | Fund | vs category | Category |
|---|---|---|---|
| 2025 | 7.5% | 0.0 pts | 7.5% |
| 2024 | 7.7% | 0.0 pts | 7.6% |
| 2023 | 7.4% | +0.1 pts | 7.3% |
| 2022 | 4.9% | +0.2 pts | 4.7% |
| 2021 | 3.7% | 0.0 pts | 3.8% |
| 2020 | 6.0% | −0.1 pts | 6.1% |
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
0.24%
Expense ratio as on 23 Sep 2026
Charged yearly and already deducted from the NAV.
- Base expense
- 0.21%
- Brokerage
- 0.00%
- Transaction charges
- 0.00%
- Statutory levies
- 0.03%
- Exit load
- Exit load of 0.50% if redeemed within 3 days
- Lock-in
- None
Terms
- Min SIP
- ₹3,000
- Min lumpsum
- ₹5,000
- Plan
- GROWTH
- Fund type
- OPEN-ENDED
- Benchmark
- CRISIL Money Market A-I Index
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 | 2.51 | 2.50 | Return earned for each unit of total risk taken. Higher is better. |
| Sortino | 3.58 | 3.55 | Return earned for each unit of downside risk. Higher is better. |
| Std. deviation | 0.55 | 0.54 | How widely monthly returns have varied around their own average. Lower is steadier. |
| Average of 4 category peers | |||
Portfolio
UTI Money Market Fund portfolio
Portfolio as of 31 Aug 2026
Asset allocation
- Debt97.2%
- Other2.8%
Top holdings
| Holding | Sector | Weight | Value | 3M chg | 6M chg | 1Y chg |
|---|---|---|---|---|---|---|
| Others | Others | 3.08% | ₹600 Cr | +0.91% | +0.83% | +0.76% |
| National Bank For Agriculture & Rural Development | Financial | 2.00% | ₹389 Cr | +2.04% | +1.85% | +1.89% |
| HDFC Bank Ltd. | Financial | 1.74% | ₹339 Cr | +1.78% | +0.74% | +0.71% |
| National Bank For Financing Infrastructure And Development | Financial | 1.74% | ₹338 Cr | +1.78% | — | — |
| Small Industries Devp. Bank of India Ltd. | Financial | 1.73% | ₹336 Cr | +1.53% | +3.68% | +0.95% |
| Export-Import Bank Of India | Financial | 1.50% | ₹292 Cr | +1.53% | +0.97% | +0.93% |
| Torrent Pharmaceuticals Ltd. | Healthcare | 1.26% | ₹245 Cr | +1.29% | +1.16% | — |
| IDFC First Bank Ltd. | Financial | 1.25% | ₹243 Cr | +1.27% | +0.48% | +1.43% |
| ICICI Securities Ltd. | Financial | 1.24% | ₹241 Cr | +0.51% | — | +1.42% |
| Aseem Infrastructure Finance Ltd. | Financial | 1.23% | ₹240 Cr | +1.26% | — | — |
| UCO Bank | Financial | 1.21% | ₹236 Cr | — | — | — |
| Bank of Maharashtra | Financial | 1.13% | ₹220 Cr | +1.15% | +1.04% | — |
| Infina Finance Pvt. Ltd. | Financial | 1.01% | ₹196 Cr | +1.03% | +0.37% | +0.35% |
| Indian Bank | Financial | 1.00% | ₹195 Cr | +1.04% | +0.94% | +1.42% |
| Indusind Bank Ltd. | Financial | 1.00% | ₹195 Cr | +1.02% | +0.92% | +0.95% |
| Poonawalla Fincorp Ltd. | Financial | 1.00% | ₹194 Cr | +1.02% | +0.92% | +0.48% |
| ICICI Bank Ltd. | Financial | 1.00% | ₹194 Cr | +1.02% | +0.92% | — |
| Indian Overseas Bank | Financial | 0.99% | ₹194 Cr | +1.02% | +0.92% | — |
| Axis Bank Ltd. | Financial | 0.99% | ₹194 Cr | +0.52% | +0.48% | +0.47% |
| Bharti Telecom Ltd. | Communication | 0.99% | ₹193 Cr | +1.52% | — | +0.71% |
| IGH Holdings Pvt. Ltd. | Communication | 0.99% | ₹192 Cr | +1.01% | +0.35% | +0.71% |
| Punjab & Sind Bank | Financial | 0.87% | ₹169 Cr | +0.89% | — | +0.48% |
| Union Bank of India | Financial | 0.75% | ₹146 Cr | — | +1.94% | +0.95% |
| Canara Bank | Financial | 0.75% | ₹146 Cr | +0.77% | +3.39% | +0.47% |
| company:13827 | Construction | 0.75% | ₹145 Cr | — | — | — |
| company:13404 | Financial | 0.74% | ₹145 Cr | — | — | +1.07% |
| GIC Housing Finance Ltd. | Financial | 0.74% | ₹145 Cr | +0.76% | +0.69% | +0.47% |
| Mahindra Rural Housing Finance Ltd. | Financial | 0.74% | ₹145 Cr | +0.76% | +0.49% | +0.47% |
| AU Small Finance Bank Ltd. | Financial | 0.72% | ₹139 Cr | +0.26% | +0.48% | +0.46% |
| Tata Teleservices Ltd. | Communication | 0.52% | ₹102 Cr | +0.66% | +0.60% | — |
| Reserve Bank of India | Financial | 0.51% | ₹99.78 Cr | +0.53% | +2.46% | +0.95% |
| Equitas Small Finance Bank Ltd. | Financial | 0.51% | ₹98.36 Cr | +0.52% | +0.46% | +0.70% |
| Kotak Mahindra Bank Ltd. | Financial | 0.50% | ₹97.32 Cr | +0.79% | +0.71% | +0.36% |
| Angel One Ltd. | Financial | 0.50% | ₹97.02 Cr | +0.51% | +0.46% | — |
| Aditya Birla Capital Ltd. | Financial | 0.50% | ₹96.89 Cr | +0.51% | +0.46% | — |
| Axis Securities Ltd. | Others | 0.50% | ₹96.80 Cr | +0.51% | +0.46% | +0.95% |
| Nuvama Wealth Finance Ltd. | Financial | 0.50% | ₹96.56 Cr | +0.51% | +0.46% | — |
| Tata Capital Ltd. | Financial | 0.50% | ₹96.46 Cr | +0.51% | — | — |
| Ujjivan Small Finance Bank Ltd. | Financial | 0.50% | ₹96.43 Cr | +0.50% | +0.46% | — |
| Fedbank Financial Services Ltd. | Financial | 0.49% | ₹96.33 Cr | +0.50% | +0.46% | — |
| Kotak Mahindra Prime Ltd. | Financial | 0.49% | ₹96.11 Cr | +0.50% | +0.12% | +0.70% |
| Birla Group Holdings Pvt. Ltd. | Financial | 0.37% | ₹72.55 Cr | +0.76% | +0.69% | +0.94% |
| 360 ONE Wealth Ltd. | Financial | 0.37% | ₹72.48 Cr | +0.38% | +0.34% | +0.35% |
| 360 One Wam Ltd. | Financial | 0.37% | ₹72.48 Cr | +0.38% | +0.34% | +0.24% |
| GOI | Sovereign | 0.26% | ₹50.01 Cr | +0.27% | +0.49% | +1.08% |
| Muthoot Fincorp Ltd. | Financial | 0.25% | ₹47.83 Cr | +0.38% | +0.25% | — |
| Nuvama Wealth Management Ltd. | Financial | 0.12% | ₹24.13 Cr | +0.13% | +0.49% | — |
Sectors
Instruments
Recent changes
| Holding | From | To | Weight |
|---|---|---|---|
| Small Industries Devp. Bank of India Ltd. | 2.05% | 0.73% | -1.32% |
| company:13827 | 0.00% | 0.75% | +0.75% |
| company:13404 | 0.00% | 0.74% | +0.74% |
| Bharti Telecom Ltd. | 1.53% | 0.99% | -0.54% |
| AU Small Finance Bank Ltd. | 0.26% | 0.72% | +0.46% |
| Birla Group Holdings Pvt. Ltd. | 0.77% | 0.37% | -0.40% |
| Others | 0.03% | 0.30% | +0.26% |
| Muthoot Fincorp Ltd. | 0.38% | 0.25% | -0.14% |
| National Bank For Agriculture & Rural Development | 2.06% | 2.00% | -0.06% |
| HDFC Bank Ltd. | 1.79% | 1.74% | -0.05% |
| National Bank For Financing Infrastructure And Development | 1.79% | 1.74% | -0.05% |
| Export-Import Bank Of India | 1.54% | 1.50% | -0.04% |
| Torrent Pharmaceuticals Ltd. | 1.29% | 1.26% | -0.04% |
| Aseem Infrastructure Finance Ltd. | 1.27% | 1.23% | -0.04% |
| IDFC First Bank Ltd. | 1.28% | 1.25% | -0.04% |
| UCO Bank | 1.25% | 1.21% | -0.04% |
| Bank of Maharashtra | 1.16% | 1.13% | -0.03% |
| Indian Overseas Bank | 1.03% | 0.99% | -0.03% |
| Indian Bank | 1.03% | 1.00% | -0.03% |
| ICICI Bank Ltd. | 1.03% | 1.00% | -0.03% |
| Poonawalla Fincorp Ltd. | 1.03% | 1.00% | -0.03% |
| Axis Bank Ltd. | 1.02% | 0.99% | -0.03% |
| IGH Holdings Pvt. Ltd. | 1.02% | 0.99% | -0.03% |
| Indusind Bank Ltd. | 1.03% | 1.00% | -0.03% |
| Infina Finance Pvt. Ltd. | 1.03% | 1.01% | -0.03% |
| Punjab & Sind Bank | 0.89% | 0.87% | -0.03% |
| Union Bank of India | 0.77% | 0.75% | -0.02% |
| Canara Bank | 0.77% | 0.75% | -0.02% |
| GIC Housing Finance Ltd. | 0.77% | 0.74% | -0.02% |
| Mahindra Rural Housing Finance Ltd. | 0.76% | 0.74% | -0.02% |
| Reserve Bank of India | 0.53% | 0.51% | -0.02% |
| Tata Teleservices Ltd. | 0.54% | 0.52% | -0.02% |
| Aditya Birla Capital Ltd. | 0.51% | 0.50% | -0.01% |
| Axis Securities Ltd. | 0.51% | 0.50% | -0.01% |
| Tata Capital Ltd. | 0.51% | 0.50% | -0.01% |
| Kotak Mahindra Bank Ltd. | 0.51% | 0.50% | -0.01% |
| Kotak Mahindra Prime Ltd. | 0.51% | 0.49% | -0.01% |
| Angel One Ltd. | 0.51% | 0.50% | -0.01% |
| Equitas Small Finance Bank Ltd. | 0.52% | 0.51% | -0.01% |
| Fedbank Financial Services Ltd. | 0.51% | 0.49% | -0.01% |
| Ujjivan Small Finance Bank Ltd. | 0.51% | 0.50% | -0.01% |
| Nuvama Wealth Finance Ltd. | 0.51% | 0.50% | -0.01% |
| 360 One Wam Ltd. | 0.38% | 0.37% | -0.01% |
| 360 ONE Wealth Ltd. | 0.38% | 0.37% | -0.01% |
| GOI | 0.27% | 0.26% | -0.01% |
| ICICI Securities Ltd. | 0.26% | 0.25% | -0.01% |
| Nuvama Wealth Management Ltd. | 0.13% | 0.12% | 0.00% |
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 | ₹22,433 Cr | 0.35% | 6.8% | 7.1% | 7.1% |
 Tata Money Market Fund | ₹34,511 Cr | 0.40% | 6.8% | 7.0% | 7.1% |
 Aditya Birla Sun Life Money Market Fund | ₹29,877 Cr | 0.37% | 6.9% | 7.1% | 7.1% |
 Axis Money Market Fund | ₹21,405 Cr | 0.35% | 6.8% | 7.1% | 7.1% |
 Franklin India Money Market Fund | ₹3,937 Cr | 0.28% | 6.8% | 7.0% | 7.0% |
About
About this fund
The scheme’s own words, its benchmark and the people running it.
Investment objective
The scheme seeks to generate reasonable income with high level of liquidity by investing in a portfolio of 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.
- Anurag MittalMr. Mittal is B.Com. (Hons), CA and M.Sc. in Accounting and Finance (specialization in Finance) from London School of Economics & Political Science.Prior to joining UTI Mutual Fund, he worked with IDFC AMC, HDFC AMC ( Sept. 2012 - Oct. 2015), Axis AMC (July 2009 - Sept. 2012), ICICI Prudential Life Insurance Company Ltd. as Credit Research Analyst (2008-2009) and with Bank of America in Corporate Banking (2006-2008).
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 months3.70% absolute | ₹60,000 | ₹62,220 | 3.70% | |
| 1 year6.46% annualised | ₹1,20,000 | ₹1,24,283 | 3.57% | |
| 3 years7.29% annualised | ₹3,60,000 | ₹4,03,481 | 12.08% | |
| 5 years6.65% annualised | ₹6,00,000 | ₹7,13,412 | 18.90% |
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 Money Market Fund?
The NAV of UTI Money Market Fund is ₹3,337.33 as on 23 Sep 2026.
What is the expense ratio of UTI Money Market Fund?
The expense ratio of UTI Money Market Fund is 0.24% per year.
What is the minimum SIP amount for UTI Money Market Fund?
You can start a SIP in UTI Money Market Fund with ₹3,000 a month.
What returns has UTI Money Market Fund given?
UTI Money Market Fund has returned 6.8% over 1 year, 7.1% over 3 years and 7.1% over 5 years (annualised).
Is there a lock-in or exit load on UTI Money Market Fund?
Lock-in: None. Exit load: Exit load of 0.50% if redeemed within 3 days.
How risky is UTI Money Market Fund?
UTI Money Market Fund is rated Moderate on the SEBI riskometer and belongs to the Money Market category.
Which fund house manages UTI Money Market Fund?
UTI Money Market Fund is managed by UTI Mutual Fund, which runs 66 schemes with ₹3,94,848 Cr under management.