UTI Money Market Fund
Money MarketModerateOPEN-ENDED
- NAV as on 9 Nov 2026
- ₹3,359.35+0.07%1 day
- Return since launch
- 7.2%
- 52-week range
- ₹3,158.31 — ₹3,356.99
- AUM
- ₹16,039 Cr
UTI Money Market Fund is a Money Market debt fund from UTI Mutual Fund with ₹16,039 Cr under management, launched in 2009. Over three years it has returned 6.9% a year, against 7.0% for its category. The expense ratio is 0.29% 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 +6.3% 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 | 6.2% | 6.3% |
| 2Y | 6.6% | +0.2 pts | 6.4% | 6.5% |
| 3Y | 6.9% | 0.0 pts | 7.0% | 6.8% |
| 5Y | 7.0% | +0.6 pts | 6.4% | 6.8% |
| 7Y | 6.6% | +0.2 pts | 6.4% | 6.4% |
| 10Y | 6.6% | +0.2 pts | 6.3% | 6.3% |
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1M | 0.3% | 0.0 pts | 0.3% | 0.3% |
| 3M | 1.4% | 0.0 pts | 1.4% | 1.4% |
| 6M | 3.3% | +0.1 pts | 3.3% | 3.3% |
| 1Y | 6.3% | +0.2 pts | 6.2% | 6.2% |
| 2Y | 7.0% | +0.2 pts | 6.7% | 6.8% |
| 3Y | 7.2% | +0.3 pts | 7.0% | 7.0% |
| 5Y | 6.7% | +0.3 pts | 6.4% | 6.4% |
| 7Y | 6.2% | +0.3 pts | 6.0% | 5.9% |
| 10Y | 6.6% | +0.3 pts | 6.3% | 6.5% |
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
0.29%
Expense ratio as on 6 Nov 2026
Charged yearly and already deducted from the NAV.
- Base expense
- 0.25%
- Brokerage
- 0.00%
- Transaction charges
- 0.00%
- Statutory levies
- 0.04%
- 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 | 2.45 | 2.14 | Return earned for each unit of total risk taken. Higher is better. |
| Sortino | 3.48 | 3.21 | Return earned for each unit of downside risk. Higher is better. |
| Std. deviation | 0.57 | 0.55 | 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 30 Sep 2026
Asset allocation
- Debt96.1%
- Other3.9%
Top holdings
| Holding | Sector | Weight | Value | 3M chg | 6M chg | 1Y chg |
|---|---|---|---|---|---|---|
| Others | Others | 4.26% | ₹683 Cr | +0.98% | +0.92% | +0.83% |
| National Bank For Agriculture & Rural Development | Financial | 2.44% | ₹391 Cr | +2.19% | +2.06% | +2.04% |
| HDFC Bank Ltd. | Financial | 2.12% | ₹341 Cr | +1.91% | +2.30% | +1.03% |
| Small Industries Devp. Bank of India Ltd. | Financial | 2.11% | ₹338 Cr | +4.36% | +4.09% | +1.03% |
| Kotak Mahindra Bank Ltd. | Financial | 1.98% | ₹317 Cr | +0.55% | +0.79% | +1.04% |
| Sundaram Home Finance Ltd. | Financial | 1.82% | ₹291 Cr | — | — | — |
| IDFC First Bank Ltd. | Financial | 1.52% | ₹244 Cr | +1.37% | +0.54% | +1.56% |
| National Bank For Financing Infrastructure And Development | Financial | 1.52% | ₹243 Cr | +1.91% | +2.55% | — |
| ICICI Securities Ltd. | Financial | 1.51% | ₹242 Cr | +0.54% | +0.51% | +0.52% |
| Aseem Infrastructure Finance Ltd. | Financial | 1.51% | ₹242 Cr | +1.35% | — | — |
| UCO Bank | Financial | 1.48% | ₹238 Cr | — | — | — |
| Bank of Maharashtra | Financial | 1.38% | ₹221 Cr | +1.24% | +1.16% | — |
| Indian Bank | Financial | 1.22% | ₹196 Cr | +1.10% | +1.05% | +1.55% |
| Indusind Bank Ltd. | Financial | 1.22% | ₹196 Cr | +1.09% | +1.03% | +1.04% |
| Poonawalla Fincorp Ltd. | Financial | 1.22% | ₹195 Cr | +1.09% | +1.02% | +0.52% |
| Indian Overseas Bank | Financial | 1.21% | ₹195 Cr | +1.09% | +1.02% | — |
| ICICI Bank Ltd. | Financial | 1.21% | ₹194 Cr | +1.09% | +1.03% | — |
| Bharti Telecom Ltd. | Communication | 1.21% | ₹194 Cr | +1.63% | +1.53% | +0.78% |
| IGH Holdings Pvt. Ltd. | Communication | 1.21% | ₹193 Cr | +1.08% | +1.01% | +0.78% |
| Punjab & Sind Bank | Financial | 1.06% | ₹170 Cr | +0.95% | +0.89% | +0.52% |
| Canara Bank | Financial | 0.92% | ₹147 Cr | +0.82% | +0.53% | +1.29% |
| Tata Projects Ltd. | Construction | 0.91% | ₹146 Cr | — | — | — |
| Toyota Financial Services Ltd. | Financial | 0.91% | ₹146 Cr | — | — | +1.17% |
| Equitas Small Finance Bank Ltd. | Financial | 0.91% | ₹146 Cr | +0.55% | +0.52% | +0.77% |
| GIC Housing Finance Ltd. | Financial | 0.91% | ₹146 Cr | +0.81% | +0.76% | +0.52% |
| Mahindra Rural Housing Finance Ltd. | Financial | 0.91% | ₹145 Cr | +0.81% | +0.76% | +0.52% |
| AU Small Finance Bank Ltd. | Financial | 0.87% | ₹140 Cr | +0.28% | +0.54% | +0.51% |
| Export-Import Bank Of India | Financial | 0.76% | ₹122 Cr | +1.64% | +1.54% | +0.26% |
| Tata Teleservices Ltd. | Communication | 0.64% | ₹102 Cr | +0.71% | +0.66% | — |
| Angel One Ltd. | Financial | 0.61% | ₹97.67 Cr | +0.55% | +0.51% | — |
| Aditya Birla Capital Ltd. | Financial | 0.61% | ₹97.46 Cr | +0.55% | +0.51% | — |
| Axis Securities Ltd. | Others | 0.61% | ₹97.36 Cr | +0.54% | +0.51% | +1.04% |
| Axis Bank Ltd. | Financial | 0.61% | ₹97.33 Cr | +1.09% | +0.52% | +0.51% |
| Nuvama Wealth Finance Ltd. | Financial | 0.61% | ₹97.18 Cr | +0.54% | +0.51% | — |
| Ujjivan Small Finance Bank Ltd. | Financial | 0.61% | ₹97.05 Cr | +0.54% | +0.51% | — |
| Tata Capital Ltd. | Financial | 0.60% | ₹97.00 Cr | +0.54% | +0.51% | — |
| Fedbank Financial Services Ltd. | Financial | 0.60% | ₹96.94 Cr | +0.54% | +0.51% | — |
| Birla Group Holdings Pvt. Ltd. | Financial | 0.46% | ₹72.98 Cr | +0.82% | +0.76% | +1.03% |
| 360 ONE Wealth Ltd. | Financial | 0.45% | ₹72.97 Cr | +0.41% | +0.38% | +0.38% |
| 360 One Wam Ltd. | Financial | 0.45% | ₹72.97 Cr | +0.41% | +0.38% | +0.26% |
| L&T Finance Ltd. | Financial | 0.45% | ₹72.55 Cr | — | — | +1.01% |
| Jio Credit Ltd. | Financial | 0.45% | ₹72.48 Cr | — | — | — |
| Muthoot Fincorp Ltd. | Financial | 0.30% | ₹48.12 Cr | +0.41% | +0.38% | +0.64% |
| Nuvama Wealth Management Ltd. | Financial | 0.15% | ₹24.29 Cr | +0.14% | +0.13% | — |
| Kotak Mahindra Prime Ltd. | Financial | 0.15% | ₹24.16 Cr | +0.54% | +0.13% | +0.76% |
| Reserve Bank of India | Financial | 0.00% | ₹0.63 Cr | +0.56% | +0.53% | +1.04% |
Sectors
Instruments
Recent changes
| Holding | From | To | Weight |
|---|---|---|---|
| Sundaram Home Finance Ltd. | 0.00% | 1.82% | +1.82% |
| Kotak Mahindra Bank Ltd. | 0.50% | 1.98% | +1.48% |
| company:3988 | 1.26% | 0.00% | -1.26% |
| company:9765 | 1.01% | 0.00% | -1.01% |
| company:5655 | 0.75% | 0.00% | -0.75% |
| Export-Import Bank Of India | 1.50% | 0.76% | -0.74% |
| Reserve Bank of India | 0.51% | 0.00% | -0.51% |
| L&T Finance Ltd. | 0.00% | 0.45% | +0.45% |
| Jio Credit Ltd. | 0.00% | 0.45% | +0.45% |
| National Bank For Agriculture & Rural Development | 2.00% | 2.44% | +0.44% |
| Equitas Small Finance Bank Ltd. | 0.51% | 0.91% | +0.40% |
| Axis Bank Ltd. | 0.99% | 0.61% | -0.39% |
| HDFC Bank Ltd. | 1.74% | 2.12% | +0.38% |
| Kotak Mahindra Prime Ltd. | 0.49% | 0.15% | -0.34% |
| IDFC First Bank Ltd. | 1.25% | 1.52% | +0.28% |
| Aseem Infrastructure Finance Ltd. | 1.23% | 1.51% | +0.27% |
| UCO Bank | 1.21% | 1.48% | +0.27% |
| company:4578 | 0.26% | 0.00% | -0.26% |
| Bank of Maharashtra | 1.13% | 1.38% | +0.25% |
| National Bank For Financing Infrastructure And Development | 1.74% | 1.52% | -0.22% |
| Indian Bank | 1.00% | 1.22% | +0.22% |
| Poonawalla Fincorp Ltd. | 1.00% | 1.22% | +0.22% |
| Indusind Bank Ltd. | 1.00% | 1.22% | +0.22% |
| Indian Overseas Bank | 0.99% | 1.21% | +0.22% |
| Bharti Telecom Ltd. | 0.99% | 1.21% | +0.22% |
| IGH Holdings Pvt. Ltd. | 0.99% | 1.21% | +0.22% |
| ICICI Bank Ltd. | 1.00% | 1.21% | +0.21% |
| Punjab & Sind Bank | 0.87% | 1.06% | +0.19% |
| Canara Bank | 0.75% | 0.92% | +0.17% |
| Tata Projects Ltd. | 0.75% | 0.91% | +0.16% |
| Toyota Financial Services Ltd. | 0.74% | 0.91% | +0.16% |
| GIC Housing Finance Ltd. | 0.74% | 0.91% | +0.16% |
| Mahindra Rural Housing Finance Ltd. | 0.74% | 0.91% | +0.16% |
| Small Industries Devp. Bank of India Ltd. | 0.73% | 0.89% | +0.16% |
| AU Small Finance Bank Ltd. | 0.72% | 0.87% | +0.16% |
| Tata Teleservices Ltd. | 0.52% | 0.64% | +0.11% |
| Angel One Ltd. | 0.50% | 0.61% | +0.11% |
| Aditya Birla Capital Ltd. | 0.50% | 0.61% | +0.11% |
| Nuvama Wealth Finance Ltd. | 0.50% | 0.61% | +0.11% |
| Axis Securities Ltd. | 0.50% | 0.61% | +0.11% |
| Ujjivan Small Finance Bank Ltd. | 0.50% | 0.61% | +0.11% |
| Fedbank Financial Services Ltd. | 0.49% | 0.60% | +0.11% |
| Tata Capital Ltd. | 0.50% | 0.60% | +0.11% |
| 360 ONE Wealth Ltd. | 0.37% | 0.45% | +0.08% |
| 360 One Wam Ltd. | 0.37% | 0.45% | +0.08% |
| Birla Group Holdings Pvt. Ltd. | 0.37% | 0.46% | +0.08% |
| Others | 0.30% | 0.36% | +0.06% |
| ICICI Securities Ltd. | 0.25% | 0.30% | +0.05% |
| Muthoot Fincorp Ltd. | 0.25% | 0.30% | +0.05% |
| Nuvama Wealth Management Ltd. | 0.12% | 0.15% | +0.03% |
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 | ₹13,312 Cr | 0.35% | 6.5% | 6.8% | 7.0% |
 Aditya Birla Sun Life Money Market Fund | ₹25,875 Cr | 0.37% | 6.5% | 6.9% | 7.0% |
 Axis Money Market Fund | ₹19,507 Cr | 0.36% | 6.5% | 6.9% | 7.0% |
 LIC MF Money Market Fund | ₹3,979 Cr | 0.38% | 6.4% | 6.4% | — |
 Franklin India Money Market Fund | ₹3,887 Cr | 0.30% | 6.5% | 6.9% | 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 months3.33% absolute | ₹60,000 | ₹61,998 | 3.33% | |
| 1 year6.31% annualised | ₹1,20,000 | ₹1,24,182 | 3.48% | |
| 3 years7.22% annualised | ₹3,60,000 | ₹4,03,034 | 11.95% | |
| 5 years6.70% annualised | ₹6,00,000 | ₹7,14,364 | 19.06% |
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 ₹3,359.35 as on 9 Nov 2026.
What is the expense ratio of UTI Money Market Fund?
The expense ratio of UTI Money Market Fund is 0.29% 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 6.5% over 1 year, 6.9% over 3 years and 7.0% 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 67 schemes with ₹4,04,584 Cr under management.