UTI Overnight Fund · Regular · Growth
NAV
₹3738.3987
as of 30 Sept 2026
Expense Ratio
0.13%
AUM
₹5,716 Cr
Lumpsum returns (CAGR)
- 1Y
- +5.20%
- 3Y
- +6.00%
- 5Y
- +5.67%
- Since Inception
- +5.95%
SIP returns (XIRR)
- 1Y
- +5.15%
- 3Y
- +5.66%
- 5Y
- +5.86%
- Since Inception
- +5.83%
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 (Oct 2021 – Sept 2026)
A ₹5,000 monthly SIP for the last 5 years (Oct 2021 – Sept 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹3,40,817 today — ₹2,95,000 invested, 5.9% XIRR.
₹2,95,000
Invested
₹3,40,817
Value today
5.9%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 5 years (Oct 2021 – Sept 2026)
Real NAV backtest
₹1,00,000 invested 5 years ago would be ₹1,31,764 today (5.7% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Oct 2021 would still hold ₹9,76,821.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 5 years (Oct 2021 – Sept 2026) (3 Jun 2024) would be ₹1,13,926 today (1.14×).
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-46.57
Sharpe Ratio
—
Alpha
—
Beta
-14.78
Sortino
0.06%
Std Dev
0.00%
Max Drawdown
Performance Comparison
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Fund Details
Available transactions
Portfolio holdings
- 1Canara Bank - 01/09/20268.85%
- 2Hdfc Securities Ltd2.66%
- 3182 Days T-Bill - 10/09/20261.33%
- 4182 Days T-Bill - 03/09/20261.15%
- 591 Days T-Bill - 17/09/20260.62%
- 6364 Days T-Bill - 10/09/20260.44%
- 7182 Days T-Bill - 18/09/20260.44%
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 ₹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 0.13%.
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