UTI Overnight Fund

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

The UTI Overnight Fund is a 22 yrs old fund and has delivered average annual returns of 5.97% since inception. UTI Overnight Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 5.86% 6.38% 5.32% 5.55% 5.97%

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

The UTI Overnight Fund has an expense ratio of 0.11% , 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 Dec 04, 2025	Returns since inception	ET Money Rank	AUM (Fund size)
₹3587.1562+0.01% 1 day change	5.97% p.a.	App exclusive #NA View Ranked Funds	₹5,069 Cr

Historical NAV & returns

NAV: ₹3587.1562 as on Dec 04, 2025

This fund Category average

UTI Overnight Fund overview

AUM (Fund size)	₹5,069 Cr
Exit load	0%
Lock-in Period	Nil
Age	22 yrs since Nov 24, 2003
Benchmark	CRISIL Liquid Overnight Index
Min. investment	SIP: ₹500 & Lumpsum: ₹1000
Expense ratio	0.11% as on Nov 30, 2025
Plan type	Regular
Risk	Low
Tax on your gains	Profits are added to your income and taxed as per your slab rate

UTI Overnight 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 Dec 05, 2025

Period	This fund	Category average
1 Month	0.41%	0.41%
3 Months	1.32%	1.29%
6 Months	2.66%	2.65%
1 Year	5.86%	5.81%
2 Years	6.27%	6.21%
3 Years	6.38%	6.32%
4 Years	5.89%	5.84%
5 Years	5.32%	5.28%
7 Years	5.12%	5.12%
10 Years	5.55%	5.58%

Asset allocationas on Oct 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

Cash & Call Money 95.373522%

SOV 4.62647795%

Top Debt Holdings

Reserve Bank of India 4.63%

Others 0.18%

AMC Repo Clearing Ltd. 0.02%

Allocation by Instruments

Net Current Assets 95.17428665%

Treasury Bills 4.62647795%

CBLO 0.19923535%

Other Holdings

Others 95.17%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
UTI Overnight Fund	0.41%	2.66%	5.86%	6.38%	5.32%	5.55%
Mirae Asset Overnight Fund	0.41%	2.66%	5.84%	6.35%	5.32%	3.05%
PGIM India Overnight Fund	0.42%	2.64%	5.84%	6.35%	5.32%	3.12%
Edelweiss Overnight Fund	0.41%	2.63%	5.8%	6.32%	5.27%	3.16%
SBI Overnight Fund	0.41%	2.65%	5.82%	6.32%	5.27%	5.43%

Fund name	Std. deviation	Beta	Sharpe	Sortino
UTI Overnight Fund	0.14	0.14	-0.1	-0.14
Mirae Asset Overnight Fund	0.15	0.15	-0.22	-0.3
PGIM India Overnight Fund	0.15	0.17	-0.32	-0.42
Edelweiss Overnight Fund	0.14	0.13	-0.47	-0.66
SBI Overnight Fund	0.14	0.14	-0.52	-0.75

Fund name	ETM Rank	AUM	Fund age	Expense ratio
UTI Overnight Fund	N.A.	5,069 Cr	22 yrs	0.11%
Mirae Asset Overnight Fund	N.A.	1,570 Cr	6 yrs 1 m	0.17%
PGIM India Overnight Fund	N.A.	105 Cr	6 yrs 3 m	0.17%
Edelweiss Overnight Fund	N.A.	158 Cr	6 yrs 4 m	0.16%
SBI Overnight Fund	N.A.	25,409 Cr	23 yrs 2 m	0.14%

View all Overnight funds

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

Alpha	0.23 vs. 1.33 Underperformed at beating benchmark
Sharpe	-0.1 vs. 1.53 Poor risk-adjusted returns
Beta	0.14 vs. -0.17 More sensitive to market's ups & downs
Standard deviation	0.14 vs. 0.11 More volatile performance

Compare UTI Overnight Fund in detail with

About this fund

About UTI Overnight Fund

UTI Overnight Fund is a Overnight mutual fund scheme from Uti Mutual Fund. This fund has been in existence for 22 yrs, having been launched on 24/11/2003. UTI Overnight Fund has ₹5,069 Crores worth of assets under management (AUM) as on 31/10/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of UTI Overnight Fund as of 04/12/2025 is ₹3587.16. The fund has an expense ratio of 0.11%, which is close to what most other Overnight funds charge.

UTI Overnight Fund returns of last 1-year are 5.87%. Since launch, it has delivered 5.98% average annual returns. The fund has doubled the money invested in it every 12 yrs.
UTI Overnight 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 low indicating it has lent to borrowers whose quality is poor. 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, AMC Repo Clearing Ltd..

...

Fund AUM	5,069 Cr as on Oct 31, 2025
Scheme document	View Scheme Document

Fund managers

Jaydeep Bhowal

He has done B.Com, CA from ICAI and PGDFM from Welingkar Institute of Management, Mumbai He began his career with UTI Mutual Fund in November 2009. He has more than 10 years of experience and had been involved in various roles at UTI. Presently he is working as Dealer in Department of Fund Management - Fixed Income. Prior to joining the AMC he was associated with SJ & A.

Investment objective

The scheme seeks to generate reasonable income, with low risk and high level of liquidity from a portfolio of overnight securities having a maturity of one day.

UTI Mutual Fund details

No. of schemes	63 view all schemes
Total AUM	3,79,176 Cr as on Sep 30, 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.	328 Cr	6.24%	N.A.
UTI Corporate Bond Fund	N.A.	5,708 Cr	7.98%	7.59%
UTI Gilt Fund with 10 year Constant Duration	N.A.	140 Cr	6.83%	7.56%
UTI Money Market Fund	N.A.	20,352 Cr	7.56%	7.56%
UTI Low Duration Fund	N.A.	2,814 Cr	7.66%	7.48%
UTI Short Duration Fund	N.A.	3,381 Cr	7.57%	7.46%

See all Debt funds from this AMC

Frequently asked questions

What is the current NAV of UTI Overnight Fund?

The current Net Asset Value (NAV) of the UTI Overnight Fund plan is approximately ₹3587.1562 as of Dec 04, 2025.

What are the returns of this mutual fund scheme?

The UTI Overnight Fund is a 22 yrs old fund and has delivered average annual returns of 5.97% since inception.

UTI Overnight Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
5.86%	6.38%	5.32%	5.55%	5.97%

How much does this mutual fund charge as expense ratio?

The UTI Overnight Fund has an expense ratio of 0.11%, 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 Overnight Fund currently has assets under management (AUM) or fund size valued at approximately 5,069 Cr as on Oct 31, 2025.

To whom does UTI Overnight Fund lend to?

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

Holding Name	Percentage of Portfolio
Reserve Bank of India	4.63%
Others	0.18%
AMC Repo Clearing Ltd.	0.02%

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 Overnight Fund allocation by credit quality is given below

Credit Quality	Percentage of Portfolio
Cash & Call Money	95.373522%
SOV	4.62647795%

What is risk level of UTI Overnight Fund?

This is a Overnight fund comes with Low 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 Overnight Fund?

Redeeming your investments in the UTI Overnight 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 Overnight

#NA

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