UTI Overnight Fund

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

The UTI Overnight Fund is a 22 yrs 2 m 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 5.63% 6.32% 5.4% 5.54% 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 Feb 02, 2026	Returns since inception	ET Money Rank	AUM (Fund size)
₹3617.851+0.01% 1 day change	5.97% p.a.	App exclusive #NA View Ranked Funds	₹3,760 Cr

Historical NAV & returns

NAV: ₹3617.851 as on Feb 02, 2026

This fund Category average

UTI Overnight Fund overview

AUM (Fund size)	₹3,760 Cr
Exit load	0%
Lock-in Period	Nil
Age	22 yrs 2 m since Nov 24, 2003
Benchmark	CRISIL Liquid Overnight Index
Min. investment	SIP: ₹500 & Lumpsum: ₹1000
Expense ratio	0.11% as on Feb 02, 2026
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 Feb 03, 2026

Period	This fund	Category average
1 Month	0.43%	0.42%
3 Months	1.3%	1.18%
6 Months	2.67%	2.54%
1 Year	5.63%	5.46%
2 Years	6.14%	6.03%
3 Years	6.32%	6.23%
4 Years	5.97%	5.89%
5 Years	5.4%	5.33%
7 Years	5.1%	5.06%
10 Years	5.54%	5.53%

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

Cash & Call Money 94.59797182%

SOV 5.18392408%

A1+ 0.21783808%

Top Debt Holdings

Reserve Bank of India 5.19%

Clearing Corporation of India 0.22%

Allocation by Instruments

Net Current Assets 94.59797182%

Treasury Bills 5.183924080000001%

Commercial Paper 0.21783808%

Other Holdings

Others 94.6%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
UTI Overnight Fund	0.43%	2.67%	5.63%	6.32%	5.4%	5.54%
Mirae Asset Overnight Fund	0.43%	2.67%	5.61%	6.31%	5.4%	3.14%
PGIM India Overnight Fund	0.42%	2.65%	5.59%	6.29%	5.39%	3.21%
Edelweiss Overnight Fund	0.43%	2.65%	5.57%	6.27%	5.35%	3.25%
ICICI Prudential Overnight Fund	0.43%	2.66%	5.6%	6.3%	5.37%	3.65%

Fund name	Std. deviation	Beta	Sharpe	Sortino
UTI Overnight Fund	0.15	0.11	0.02	0.04
Mirae Asset Overnight Fund	0.16	0.11	-0.09	-0.19
PGIM India Overnight Fund	0.16	0.12	-0.17	-0.37
Edelweiss Overnight Fund	0.16	0.11	-0.32	-0.69
ICICI Prudential Overnight Fund	0.16	0.11	-0.13	-0.28

Fund name	ETM Rank	AUM	Fund age	Expense ratio
UTI Overnight Fund	N.A.	3,760 Cr	22 yrs 2 m	0.11%
Mirae Asset Overnight Fund	N.A.	1,262 Cr	6 yrs 3 m	0.17%
PGIM India Overnight Fund	N.A.	38 Cr	6 yrs 5 m	0.19%
Edelweiss Overnight Fund	N.A.	146 Cr	6 yrs 6 m	0.16%
ICICI Prudential Overnight Fund	N.A.	10,445 Cr	7 yrs 2 m	0.15%

View all Overnight funds

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

Alpha	0.21 vs. 1.51 Underperformed at beating benchmark
Sharpe	0.02 vs. 1.7 Poor risk-adjusted returns
Beta	0.11 vs. -0.15 More sensitive to market's ups & downs
Standard deviation	0.15 vs. 0.12 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 2 m, having been launched on 24/11/2003. UTI Overnight Fund has ₹3,760 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 Overnight Fund as of 02/02/2026 is ₹3617.85. 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 5.65%. Since launch, it has delivered 5.97% 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 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, Clearing Corporation of India.

...

Fund AUM	3,760 Cr as on Dec 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	3,95,059 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 Money Market Fund	N.A.	19,301 Cr	7.17%	7.46%
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 Overnight Fund?

The current Net Asset Value (NAV) of the UTI Overnight Fund plan is approximately ₹3617.851 as of Feb 02, 2026.

What are the returns of this mutual fund scheme?

The UTI Overnight Fund is a 22 yrs 2 m 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
5.63%	6.32%	5.4%	5.54%	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 3,760 Cr as on Dec 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	5.19%
Clearing Corporation of India	0.22%

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	94.59797182%
SOV	5.18392408%
A1+	0.21783808%

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.
Return Outperformance: This fund has generated highest return amongst Overnight funds in the last 10 Years.
Exit Load: This fund has no exit load.
Return/Risk: The fund is performing poorly than its category.