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UTI Liquid Fund - Direct Plan - Growth Option

UTI · Scheme 120304

₹463.81▲ 0.01%NAV · 2026-09-18
34
Weak FundScore
Start SIP
AUM
₹26,728 cr
Expense ratio
0.16%
3Y CAGR
-50.3%
Risk level
Very High
Min SIP
₹100
Benchmark
CRISIL Liquid Debt Index
Fund manager: Amandeep Chopra, Amit SharmaExit load: Exit load of 0.0070% if redeemed within 1 day, 0.0065% if redeemed within 2 days, 0.0060% if redeemed within 3 days, 0.0055% if redeemed within 4 days, 0.0050%
Below average · 34/100

Lags peers on our factors — weigh the risks carefully.

🎯 Best held for the long term (5+ years) as part of a diversified portfolio.

📈 Why it could do well

  • ✓Very consistent — delivers dependably across market cycles, ideal for SIPs.
  • ✓Low cost — 0.16% expense ratio means more of the return stays with you.
  • ✓Positive 3Y windows: 99% of rolling 3Y windows positive

📉 What could drag it down

  • •Down 89.3% over the last year — currently out of favour.
  • •Weak risk-adjusted returns (Sharpe -0.30) — took on risk without enough payoff.
  • •Can fall sharply — dropped 90% in its worst stretch. Stomach needed.
  • •High volatility (21% a year) — expect big swings up and down.
  • •3Y CAGR: -50.3%
  • •3Y CAGR vs category: -57.3% vs category avg

FundScore breakdown

34/100 · Weak
How it works →
0
Returns
Weak
76
Consistency
Strong
10
Risk-adjusted
Weak
0
Downside protection
Weak
90
Cost efficiency
Excellent
50
Portfolio quality
Average

Each dial rates the fund 0–100 on one factor, computed from real NAV history. Fuller & greener = stronger.

SIP return calculator

Back-tested on this fund's actual historical NAVs. Past performance ≠ future returns.