UTI Liquid Direct-Growth

Q: What are the returns of UTI Liquid Fund?

The UTI Liquid Fund is a 12 yrs 3 m old fund and has delivered average annual returns of 6.87% since inception. UTI Liquid Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 7.37% 6.9% 5.53% 6.36% 6.87%

Previously called: UTI Liquid Cash Direct-G

NAV as of Apr 23, 2025	Returns since inception	ET Money Rank	VRO Ratings
₹4271.8488+0.02% 1 day change	6.87% p.a.	#NA View Ranked Funds	3

Historical NAV & returns

NAV: ₹4271.8488 as on Apr 23, 2025

This fund Category average

UTI Liquid Fund overview

VRO rating	3
Expense ratio	0.17% as on Mar 31, 2025
Exit load	0.007% 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.!
AUM (Fund size)	₹23,383 Crs
Lock-in	No Lockin
Age	12 yrs 3 m since Jan 01, 2013
Benchmark	NIFTY Liquid Index A-I
Min. investment	Lump. ₹1000
Risk	Moderate
Tax on your gains	Profits are added to your income and taxed as per your slab rate

UTI Liquid Fund Returns calculator

Investment type

Monthly investment

₹ 10,000

Investment period

Lumpsum investment

₹1 lakh

Investment period

Disclaimer: Products compared like fixed deposits may provide fixed guaranteed returns. Mutual Funds investments are subject to market risk, read all scheme related documents carefully. Past performance is not an indicator of future returns.

Total investment ₹ 12 lakh
Profit ₹12 lakhs
Total corpus ₹1 lakh
Absolute return 52.69%

Trailing returns as on Apr 24, 2025

Period	This fund	Category average
1 month	0.71%	0.69%
3 months	1.87%	1.84%
6 months	3.66%	3.62%
1 year	7.37%	7.31%
3 years	6.9%	6.84%
5 years	5.53%	5.47%
7 years	5.91%	5.85%
10 years	6.36%	6.31%

Asset allocationas on Mar 31, 2025

Large Cap 0.0%

Mid Cap 0.0%

Small Cap 0.0%

Other Cap 0.0%

Top holdings

Bifurcation by Holding is not available for this fund

Top sectors

Bifurcation by Sector is not available for this fund

A1+ 93.25810299%

SOV 26.64035311%

AAA 1.23929667%

Others 0.27383457%

Top Debt Holdings

Reserve Bank of India 25.14%

National Bank For Agriculture & Rural Development 10.43%

HDFC Bank Ltd. 9.08%

Indian Bank 7.5%

Allocation by Instruments

Commercial Paper 49.41066365000001%

Certificate of Deposit 43.84743934%

Treasury Bills 25.14268152%

Central Government Loan 1.0711389%

Other Holdings

Others 0.27%

Peer comparison

Fund name	ETM Rank	AUM (in Crs.)	Fund age	Expense ratio
UTI Liquid Fund	N.A.	₹23,383 Crs	12 yrs 3 m	0.17%
Mirae Asset Liquid Fund	N.A.	₹8,684 Crs	12 yrs 3 m	0.09%
Sundaram Liquid Fund	N.A.	₹5,477 Crs	12 yrs 3 m	0.13%
JM Liquid Fund	N.A.	₹2,806 Crs	12 yrs 3 m	0.16%
Navi Liquid Fund	N.A.	₹63 Crs	12 yrs 3 m	0.15%
Mahindra Manulife Liquid Fund	N.A.	₹1,026 Crs	8 yrs 9 m	0.15%

Fund name	1M	6M	1Y	3Y	5Y	10Y
UTI Liquid Fund	0.71%	3.66%	7.37%	6.9%	5.53%	6.36%
Mirae Asset Liquid Fund	0.7%	3.65%	7.38%	6.91%	5.54%	6.31%
Sundaram Liquid Fund	0.71%	3.7%	7.43%	6.93%	5.54%	6.27%
JM Liquid Fund	0.68%	3.6%	7.27%	6.84%	5.47%	6.35%
Navi Liquid Fund	0.56%	3.38%	6.9%	6.58%	5.32%	6.24%
Mahindra Manulife Liquid Fund	0.69%	3.65%	7.38%	6.94%	5.58%	5.43%

Fund name	Std. deviation	Beta	Sharpe	Sortino
UTI Liquid Fund	0.31	0.66	1.51	1.5
Mirae Asset Liquid Fund	0.3	0.64	1.55	1.57
Sundaram Liquid Fund	0.3	0.64	1.58	1.6
JM Liquid Fund	0.29	0.61	1.41	1.37
Navi Liquid Fund	0.24	0.51	0.81	0.83
Mahindra Manulife Liquid Fund	0.29	0.63	1.7	1.67

View all Liquid funds

Key risk & return ratios Compared to other funds in the category

Alpha	1.83 vs. 2.93 Underperformed at beating benchmark
Sharpe	1.51 vs. 2.95 Poor risk-adjusted returns
Beta	0.66 vs. 0.92 Less sensitive to market ups & downs
Standard deviation	0.31 vs. 0.28 More volatile performance

Compare UTI Liquid Fund in detail with

About this fund

About UTI Liquid Fund

UTI Liquid Direct-Growth is a Liquid mutual fund scheme from Uti Mutual Fund. This fund has been in existence for 12 yrs 3 m, having been launched on 01/01/2013. UTI Liquid Direct-Growth has ₹23,383 Crores worth of assets under management (AUM) as on 31/03/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of UTI Liquid Direct-Growth as of 23/04/2025 is ₹4271.85. The fund has an expense ratio of 0.17%, which is close to what most other Liquid funds charge.

UTI Liquid Direct-Growth returns of last 1-year are 7.39%. Since launch, it has delivered 6.87% average annual returns. The fund has doubled the money invested in it every 11 yrs.
UTI Liquid Direct-Growth scheme's ability to deliver returns consistently is in-line with most funds of its category. Its ability to control losses in a falling market is average.
The fund's credit profile is very high indicating it has lent to borrowers whose quality is excellent. Most funds in this category lend to similar borrowers and hence the risk of default in this fund is same as the category.
The fund's top holdings are in Reserve Bank of India, National Bank For Agriculture & Rural Development, HDFC Bank Ltd., Indian Bank, Canara Bank.

...

Fund AUM	₹23,383 Crs as on Mar 31, 2025
Scheme document	View Scheme Document

Fund managers

Amit Sharma

Mr. Sharma is a B.Com, CA, FRM He has been associated with the Dept. of Fund Management of UTI for the past 5 years.

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.

UTI Mutual Fund details

No. of schemes	62 view all schemes
Total AUM	₹3,39,983 Crs as on Mar 31, 2025
Address	UTI Tower, Plot C-1, GN Block, Banrda Kurla Complex, Bandra (East) Mumbai, 400051
Phone	0263 2296993

More funds from UTI Mutual Fund

Fund name	ETM Rank	AUM (in Crs.)	1Y	3Y
UTI Dynamic Bond Fund	N.A.	₹447 Crs	11.44%	10.71%
UTI Medium to Long Duration Fund	N.A.	₹320 Crs	11.43%	10.5%
UTI Banking & PSU Fund	N.A.	₹785 Crs	9.09%	9.45%
UTI Gilt Fund with 10 year Constant Duration	N.A.	₹169 Crs	12.64%	N.A.
UTI Gilt Fund	N.A.	₹733 Crs	11.97%	8.26%
UTI Short Duration Fund	N.A.	₹2,566 Crs	9.42%	7.65%

See all Debt funds from this AMC

Frequently asked questions

What is the current NAV of UTI Liquid Fund?

The current Net Asset Value (NAV) of the UTI Liquid Fund - Direct Growth plan is approximately ₹4271.8488 as of Apr 23, 2025.

What are the returns of this mutual fund scheme?

The UTI Liquid Fund is a 12 yrs 3 m old fund and has delivered average annual returns of 6.87% since inception.

UTI Liquid Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
7.37%	6.9%	5.53%	6.36%	6.87%

How much does this mutual fund charge as expense ratio?

The UTI Liquid Fund - Direct Growth has an expense ratio of 0.17%, which reflects the fund's management and operating costs. This percentage is subtracted from the fund's annual returns, impacting net returns for investors.

What is the AUM or fund size of this mutual fund?

The UTI Liquid Fund currently has assets under management (AUM) or fund size valued at approximately ₹23,383 Crs crore as of Mar 31, 2025.

To whom does UTI Liquid Fund lend to?

The top 3 debt holdings of UTI Liquid Fund are as follows

Holding Name	Percentage of Portfolio
Reserve Bank of India	25.14%
National Bank For Agriculture & Rural Development	10.43%
HDFC Bank Ltd.	9.08%

What is the quality of borrowers this mutual fund scheme lends to?

The credit rating of the instruments in which the fund invests represents the quality of the borrower.

The UTI Liquid Fund allocation by credit quality is given below

Credit Quality	Percentage of Portfolio
A1+	93.25810299%
SOV	26.64035311%
AAA	1.23929667%

What is risk level of UTI Liquid Fund?

This is a Liquid fund comes with Moderate risk.

Is there any lock-in period in this mutual fund?

No, this fund does not have any lock-in period.

How do I invest in UTI Liquid Fund?

It is very fast, easy, and completely paperless in this mutual fund scheme on ET Money. It is just a matter of a few minutes. Here's how:

For the Desktop Version:

Click on the "Invest Now" button at the top right, then scan the QR code to download the app.

For the Mobile Version:

Click on the "Invest on App" button at the bottom to download the app.
Once the app is downloaded:
Sign-up and complete your one time KYC process, or log in if you're already registered.
Search for UTI Liquid Fund and choose the investment mode (Lump sum investment or a SIP). Then, enter your investment amount.
Fill in additional required details, including the bank account you'll use for payment, and confirm.

All set! Your investment in UTI Liquid Fund is complete.

How can I redeem my investments in UTI Liquid Fund?

Redeeming your investments in UTI Liquid Fund is super easy. If you have invested in this fund via ET Money, just login into the app, go to the investment section and put the redemption request.

If you have invested in UTI Liquid Fund from anywhere else, you can go to the fund house website and put a request through it.

ET Money rank

in Liquid

#NA

Volatility Protection: This fund ranks lower in terms of protecting against volatility within its category.
Return/Risk: The fund is performing poorly than its category.
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.