DebtOvernight FundDirect · Growth
UTI - Overnight Fund - Direct Plan - Growth Option
UTI · Scheme 120785
₹3,759.72▲ 0.01%NAV · 2026-09-18
Decent FundScore
AUM
—
Expense ratio
—
3Y CAGR
6.1%
Risk level
Very High
Min SIP
—
Benchmark
CRISIL Overnight Index
Decent · 63/100
A solid option with a few areas worth a closer look.
🎯 Suited to short-to-medium horizons and investors wanting stability over growth.
📈 Why it could do well
- ✓Protects capital well — worst-ever fall was only 1%.
- ✓10Y CAGR: +67.1%
- ✓Positive 3Y windows: 100% of rolling 3Y windows positive
📉 What could drag it down
- •Weak risk-adjusted returns (Sharpe 0.26) — took on risk without enough payoff.
- •High volatility (2544% a year) — expect big swings up and down.
- •3Y CAGR: +6.1%
- •5Y CAGR: +5.7%
FundScore breakdown
63/100 · Decent
Returns
Weak
Consistency
Decent
Risk-adjusted
Weak
Downside protection
Excellent
Cost efficiency
Excellent
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.