UTI Overnight Fund · Regular · Growth
NAV
₹3763.9691
as of 15 Nov 2026
Expense Ratio
0.16%
AUM
₹6,146 Cr
Lumpsum returns (CAGR)
- 1Y
- +5.22%
- 3Y
- +5.94%
- 5Y
- +5.73%
- Since Inception
- +5.95%
SIP returns (XIRR)
- 1Y
- +5.22%
- 3Y
- +5.61%
- 5Y
- +5.86%
- Since Inception
- +5.82%
Returns calculated from 14 May 2020 onwards due to a structural change in the scheme on that date. Earlier NAV history is preserved but excluded from multi-year return calculations. Periods spanning this date show —.
What history actually did — last 5 years (Nov 2021 – Nov 2026)
A ₹5,000 monthly SIP for the last 5 years (Nov 2021 – Nov 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹3,46,568 today — ₹3,00,000 invested, 5.9% XIRR.
₹3,00,000
Invested
₹3,46,568
Value today
5.9%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 5 years (Nov 2021 – Nov 2026)
Real NAV backtest
₹1,00,000 invested 5 years ago would be ₹1,32,141 today (5.7% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Nov 2021 would still hold ₹9,74,841.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 5 years (Nov 2021 – Nov 2026) (4 Jun 2024) would be ₹1,14,686 today (1.15×).
Historical simulation using actual published NAVs for the stated period. Past performance may or may not be sustained in the future. Not investment advice.
Risk Metrics
Trailing 1 year, annualisedNot meaningful for very-low-volatility funds
Sharpe Ratio
—
Alpha
—
Beta
Not meaningful for very-low-volatility funds
Sortino
0.06%
Std Dev
0.00%
Max Drawdown
Performance Comparison
Related reading
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Fund Details
Available transactions
Portfolio holdings
- 191 Days T-Bill - 01/10/20261.33%
- 291 Days T-Bill - 08/10/20261.28%
- 3182 Days T-Bill - 22/10/20261.11%
- 491 Days T-Bill - 29/10/20260.55%
- 5364 Days T-Bill - 08/10/20260.28%
- 6364 Days T-Bill - 15/10/20260.06%
What this fund does
UTI Overnight Fund · Regular · Growth invests in overnight securities with a maturity of 1 business day. These funds carry very low credit and interest rate risk, with returns typically close to short-term money market rates.
About This Fund
UTI Overnight Fund · Regular · Growth is a Overnight mutual fund offered by UTI Mutual Fund. The fund has been operational for over 22 years. It manages assets worth ₹6,146 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against CRISIL Liquid Overnight Index. The current expense ratio is 0.16%.
Who Should Invest?
- •Conservative investors seeking capital preservation with modest returns
- •Investors with a short to medium investment horizon (6 months to 3 years)
- •Investors looking to park surplus cash for very short periods