UTI Money Market Fund

Q: What are the returns of this mutual fund scheme?

The UTI Money Market Fund is a 16 yrs 6 m old fund and has delivered average annual returns of 7.26% since inception. UTI Money Market Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 7.17% 7.46% 6.27% 6.7% 7.26%

Q: How much does this mutual fund charge as expense ratio?

The UTI Money Market Fund has an expense ratio of 0.22% , representing the annual cost of managing and operating the fund. This fee is deducted from the fund's AUM while declaring the daily NAV, reducing investor returns.

NAV as of Feb 02, 2026	Returns since inception	ET Money Rank	AUM (Fund size)
₹3197.5171+0.06% 1 day change	7.26% p.a.	App exclusive #NA View Ranked Funds	₹19,301 Cr

Historical NAV & returns

NAV: ₹3197.5171 as on Feb 02, 2026

This fund Category average

UTI Money Market Fund overview

AUM (Fund size)	₹19,301 Cr
Exit load	0%
Lock-in Period	Nil
Age	16 yrs 6 m since Jul 06, 2009
Benchmark	CRISIL Money Market A-I Index
Min. investment	SIP: ₹500 & Lumpsum: ₹1000
Expense ratio	0.22% as on Feb 02, 2026
Plan type	Regular
Risk	Moderate
Tax on your gains	Profits are added to your income and taxed as per your slab rate

UTI Money Market 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 Feb 03, 2026

Period	This fund	Category average
1 Month	0.3%	0.3%
3 Months	1.31%	1.13%
6 Months	2.77%	2.54%
1 Year	7.17%	6.8%
2 Years	7.41%	7.09%
3 Years	7.46%	7.12%
4 Years	6.89%	6.53%
5 Years	6.27%	5.91%
7 Years	6.4%	6.03%
10 Years	6.7%	6.77%

Asset allocationas on Dec 31, 2025

Large Cap 0%

Mid Cap 0%

Small Cap 0%

Other Cap 0%

Top holdings

Bifurcation by Holding is not available for this fund

Top sectors

Bifurcation by Sector is not available for this fund

A1+ 93.98388471%

SOV 10.42365562%

A1 0.50460527%

Others 0.27559368%

Top Debt Holdings

Reserve Bank of India 9.9%

Axis Bank Ltd. 7.79%

HDFC Bank Ltd. 6.48%

Union Bank of India 6.21%

Allocation by Instruments

Certificate of Deposit 64.54993904000001%

Commercial Paper 26.145478459999996%

Treasury Bills 9.90334302%

Money Market 3.79307248%

Other Holdings

Others 0.28%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
UTI Money Market Fund	0.3%	2.77%	7.17%	7.46%	6.27%	6.7%
Aditya Birla Sun Life Money Manager Fund	0.24%	2.67%	6.99%	7.41%	6.25%	6.78%
Sundaram Money Market Fund	0.29%	2.71%	7.05%	7.22%	5.98%	4.5%
Nippon India Money Market Fund	0.28%	2.7%	7.1%	7.41%	6.27%	6.7%
Aditya Birla Sun Life Money Manager Fund	0.24%	2.67%	6.99%	7.41%	6.26%	6.78%

Fund name	Std. deviation	Beta	Sharpe	Sortino
UTI Money Market Fund	0.37	0.53	2.85	4.38
Aditya Birla Sun Life Money Manager Fund	0.39	0.59	2.61	3.44
Sundaram Money Market Fund	0.37	0.53	2.25	3.49
Nippon India Money Market Fund	0.39	0.55	2.61	4.03
Aditya Birla Sun Life Money Manager Fund	0.39	0.59	2.61	3.44

Fund name	ETM Rank	AUM	Fund age	Expense ratio
UTI Money Market Fund	N.A.	19,301 Cr	16 yrs 6 m	0.22%
Aditya Birla Sun Life Money Manager Fund	N.A.	27,449 Cr	20 yrs 3 m	0.37%
Sundaram Money Market Fund	N.A.	1,835 Cr	7 yrs 4 m	0.32%
Nippon India Money Market Fund	N.A.	20,190 Cr	20 yrs 7 m	0.38%
Aditya Birla Sun Life Money Manager Fund	N.A.	27,449 Cr	22 yrs 8 m	0.37%

View all Money Market funds

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

Alpha	2.05 vs. 3.16 Underperformed at beating benchmark
Sharpe	2.85 vs. 2.89 Poor risk-adjusted returns
Beta	0.53 vs. 1.71 Less sensitive to market ups & downs
Standard deviation	0.37 vs. 0.31 More volatile performance

Compare UTI Money Market Fund in detail with

About this fund

About UTI Money Market Fund

UTI Money Market Fund is a Money Market mutual fund scheme from Uti Mutual Fund. This fund has been in existence for 16 yrs 6 m, having been launched on 06/07/2009. UTI Money Market Fund has ₹19,301 Crores worth of assets under management (AUM) as on 31/12/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of UTI Money Market Fund as of 02/02/2026 is ₹3197.52. The fund has an expense ratio of 0.22%, which is close to what most other Money Market funds charge.

UTI Money Market Fund returns of last 1-year are 7.18%. Since launch, it has delivered 7.26% average annual returns. The fund has doubled the money invested in it every 11 yrs.
UTI Money Market Fund 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 better borrowers and hence the risk of default in this fund is higher than the category.
The fund's top holdings are in Reserve Bank of India, Axis Bank Ltd., HDFC Bank Ltd., Union Bank of India, Indian Bank.

...

Fund AUM	19,301 Cr as on Dec 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.

Anurag Mittal

Mr. 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).

Investment objective

The scheme seeks to generate reasonable income with high level of liquidity by investing in a portfolio of money market instruments.

UTI Mutual Fund details

No. of schemes	63 view all schemes
Total AUM	3,95,059 Cr as on Dec 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	1Y	3Y
UTI CRISIL SDL Maturity April 2033 Index Fund	N.A.	321 Cr	5.12%	7.58%
UTI Nifty SDL Plus AAA PSU Bond Apr 2028 75:25 Index Fund	N.A.	34 Cr	7.36%	N.A.
UTI CRISIL SDL Maturity June 2027 Index Fund	N.A.	72 Cr	7.28%	7.45%
UTI Low Duration Fund	N.A.	2,667 Cr	7.14%	7.33%
UTI Corporate Bond Fund	N.A.	5,421 Cr	6.83%	7.28%

See all Debt funds from this AMC

Frequently asked questions

What is the current NAV of UTI Money Market Fund?

The current Net Asset Value (NAV) of the UTI Money Market Fund plan is approximately ₹3197.5171 as of Feb 02, 2026.

What are the returns of this mutual fund scheme?

The UTI Money Market Fund is a 16 yrs 6 m old fund and has delivered average annual returns of 7.26% since inception.

UTI Money Market Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
7.17%	7.46%	6.27%	6.7%	7.26%

How much does this mutual fund charge as expense ratio?

The UTI Money Market Fund has an expense ratio of 0.22%, representing the annual cost of managing and operating the fund. This fee is deducted from the fund's AUM while declaring the daily NAV, reducing investor returns.

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

The UTI Money Market Fund currently has assets under management (AUM) or fund size valued at approximately 19,301 Cr as on Dec 31, 2025.

To whom does UTI Money Market Fund lend to?

The top 3 debt holdings of UTI Money Market Fund are as follows

Holding Name	Percentage of Portfolio
Reserve Bank of India	9.9%
Axis Bank Ltd.	7.79%
HDFC Bank Ltd.	6.48%

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 Money Market Fund allocation by credit quality is given below

Credit Quality	Percentage of Portfolio
A1+	93.98388471%
SOV	10.42365562%
A1	0.50460527%

What is risk level of UTI Money Market Fund?

This is a Money Market 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 can I redeem my investments in UTI Money Market Fund?

Redeeming your investments in the UTI Money Market Fund is simple. If you have invested via ET Money, just log in to the app, go to the holdings section, and submit the redemption request.

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

ET Money rank

App exclusive

in Money Market

#NA

Return Consistency: This fund is one of the best in generating consistent return in it's category.
Volatility Protection: This fund is one of the best in protecting against volatility in it's category.
Exit Load: This fund has no exit load.
Return/Risk: The fund is performing poorly than its category.