UTI - Overnight Fund - Regular Plan - Growth Option
₹3676.6027
₹1.06 (+0.03%)
NAV as of 31 May 2026
Today's NAV — all variants
Regular · Growth
₹₹3676.6027
₹1.06 (+0.03%)
31 May 2026
AMFI: 100814
Direct · Growth
₹₹3718.2282
₹1.08 (+0.03%)
31 May 2026
AMFI: 120785
Regular · IDCW
₹₹1370.8617
₹0.00 (+0.00%)
31 May 2026
AMFI: 124265
Direct · IDCW
₹₹1371.6621
₹0.00 (+0.00%)
31 May 2026
AMFI: 124266
Returns (Lumpsum)
CAGR for periods ≥ 1 yearReturns calculated from 03 May 2018 onwards due to a structural change in the scheme on that date. Pre-2018 NAV history is preserved but excluded from multi-year return calculations. Periods spanning this date show —.
SIP Returns (XIRR)
₹1,000/month SIP, annualisedSIP since inception — what ₹500/month became
Real NAV backtest from day one
₹1,34,500
Invested
₹2,13,07,858
Value today
36.9%
XIRR (p.a.)
₹500/month SIP from fund inception · Current value as of today
Try SIP Calculator with this fund's history₹1,000 lumpsum at launch — value today
Invested on the fund's first NAV date
₹1,000
Invested
₹3,67,660
Value today
30.1%
CAGR (p.a.)
One-time investment at fund inception · Growth purely from NAV appreciation
Try Lumpsum Calculator₹10L corpus with ₹5,000/month withdrawals since inception
Corpus is still growing despite monthly payouts
₹10,00,000
Initial corpus
₹13,45,000
Withdrawn
₹15,45,81,690
Corpus left
+₹15,49,26,690 net gain — withdrew ₹13,45,000 AND corpus grew
Plan your SWP with real NAV₹1 lakh on the worst crash day — 22 Mar 2020
Worst single-day Nifty drop during this fund's life
₹1,00,000
Invested
₹1,35,591
Value today
1.4×
Multiple
Staying invested through that crash turned ₹1L into ₹1,35,591 — a 1.4× return
Read: Staying invested through crashesDirect vs Regular — ₹500/month over 10 years
Expense ratio drag on your actual returns
Direct plan
₹77,938
Regular plan
₹20,49,213
Same fund, same NAV history — only the expense ratio differs. Direct plans always outperform Regular over time.
Learn about Direct vs Regular plansFund Details
Risk Metrics
Trailing 1 year, annualised-154.46
Sharpe Ratio
—
Alpha
—
Beta
-15.77
Sortino
0.02%
Std Dev
0.00%
Max Drawdown
Portfolio Holdings
Top 6 holdings · as of Mar 2026
| Security | % NAV |
|---|---|
364 DAYS T -BILL MD 16/04/2026 IN002025Z039 | 2.01% |
364 DAYS T-BILL - 02/04/2026 IN002025Z013 | 1.85% |
182 DAYS T-BILL - 09/04/2026 IN002025Y289 | 1.34% |
91 DAYS T-BILL - 09/04/2026 IN002025X406 | 0.50% |
364 DAYS T-BILL - 10/04/2026 IN002025Z021 | 0.50% |
182 DAYS T-BILL - 16/04/2026 IN002025Y297 | 0.17% |
Performance Comparison
Interested in This Fund?
Our experts will help you decide if this fund fits your goals.
Investment Objective
UTI - Overnight Fund - Regular Plan - Growth Option 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 Plan - Growth Option is a Overnight mutual fund offered by UTI Mutual Fund. The fund has been operational for over 22 years. It manages assets worth ₹5,507 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