UTI Overnight Fund · Regular · Growth
NAV
₹3709.1310
as of 02 Aug 2026
Expense Ratio
0.12%
AUM
₹5,716 Cr
Lumpsum returns (CAGR)
- 1Y
- +5.28%
- 3Y
- +6.09%
- 5Y
- +5.61%
- Since Inception
- +5.96%
SIP returns (XIRR)
- 1Y
- +5.23%
- 3Y
- +5.75%
- 5Y
- +5.90%
- Since Inception
- +5.84%
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 (Aug 2021 – Aug 2026)
A ₹5,000 monthly SIP for the last 5 years (Aug 2021 – Aug 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹3,41,260 today — ₹2,95,000 invested, 5.9% XIRR.
₹2,95,000
Invested
₹3,41,260
Value today
5.9%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 5 years (Aug 2021 – Aug 2026)
Real NAV backtest
₹1,00,000 invested 5 years ago would be ₹1,31,383 today (5.6% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Aug 2021 would still hold ₹9,72,567.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 5 years (Aug 2021 – Aug 2026) (3 Jun 2024) would be ₹1,13,034 today (1.13×).
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, annualised-58.59
Sharpe Ratio
—
Alpha
—
Beta
-15.16
Sortino
0.04%
Std Dev
0.00%
Max Drawdown
Performance Comparison
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Fund Details
Available transactions
Portfolio holdings
- 1364 Days T -Bill Md 16/04/20262.01%
- 2364 Days T-Bill - 02/04/20261.85%
- 3182 Days T-Bill - 09/04/20261.34%
- 491 Days T-Bill - 09/04/20260.50%
- 5364 Days T-Bill - 10/04/20260.50%
- 6182 Days T-Bill - 16/04/20260.17%
Investment Objective
UTI Overnight Fund · Regular · Growth invests in overnight securities with a maturity of 1 business day. These funds carry virtually zero credit and interest rate risk, offering the highest safety among mutual funds with returns slightly above savings accounts.
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 ₹5,716 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against CRISIL Liquid Overnight Index. The current expense ratio is 0.12%.
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