MF Gyan
debtLow risk9 years oldSteady vs its 3-year pace

UTI - Money Market Fund - Direct Plan - Quarterly IDCW

Invests in bonds and loans. Lower returns than equity but much less bumpy — often used for shorter goals. From UTI Mutual Fund. It's been running since 2 Jan 2018.

Latest price per unit
₹1,789.5246
▲ 0.03% today
As of 4 Sep 2026 · updated once each business day

What ₹1 lakh would have become

Based on past returns
Invested 1 year ago
₹1.07 L
▲ ₹6.6k gain · 6.6% / year
Invested 3 years ago
₹1.24 L
▲ ₹24.0k gain · 7.4% / year
Invested 5 years ago
₹1.38 L
▲ ₹38.5k gain · 6.7% / year

These are calculations from the fund's past prices, not a prediction. Real future returns can and often do differ.

SIP simulator

Play with a monthly investment

Slide the amount and switch the duration. Left column uses real past prices. Right column projects forward using this fund's historical rate — a calculation, not a prediction.

₹5.0k
Looking back · real
You would have invested₹1.80 L
Value today₹2.00 L
Gain / loss+₹19.8k
XIRR (annualised)7.24%
Looking forward · hypothetical
You would invest₹1.80 L
Would become*₹2.02 L
Projected gain*+₹21.6k
*at this fund's historical rate of 7.24% per year. Actual future returns can be different — sometimes very different.
Value Cumulative invested
Reality check. The backward SIP is real math on real past NAVs. The forward projection assumes the fund keeps up its historical rate — which rarely happens exactly. Past performance is not a promise. MF Gyan does not recommend any specific investment.
How it compares to peers

Vs 86 other funds in Debt Scheme - Money Market Fund

Same plan
1-year return
6.62%median 0.56% (+6.05%)
Rank #15 of 87Beats 83% of peers
3-year return
7.43%median 1.19% (+6.23%)
Rank #10 of 87Beats 87% of peers
5-year return
6.73%median 0.93% (+5.80%)
Rank #6 of 87Beats 92% of peers
Bumpiness (3Y)
0.42%median 0.70% (-0.28%)
Rank #27 of 87Less risky than 69% of peers
Worst-ever drop
-0.76%median -1.23% (+0.47%)
Rank #60 of 87Less risky than 31% of peers

Descriptive rankings within the same category and plan. Not a recommendation — one fund beating another historically does not mean it will continue to do so.

Year by year

Calendar-year returns. 7 of last 7 years were positive.

+6%
2020
+4%
2021
+5%
2022
+7%
2023
+8%
2024
+8%
2025
+5%
2026
Best year
2024 · 7.77%
Worst year
2021 · 3.84%

Price over time

How the per-unit price has moved. Tap a range to zoom in.

Bumpiness & worst drops

Day-to-day bumpiness
0.4%

The value swings roughly 0% up or down in a typical year. Finance-speak calls this volatility.

Worst drop ever
-0.76%

A lump sum invested at the previous peak would have temporarily lost about this much before recovering. Finance-speak calls this max drawdown.

Similar funds you might want to look at

Same category, same plan, sorted by 3-year return. Not recommendations — just neighbours.

Head-to-head comparisons

Side-by-side comparisons of UTI - Money Market Fund - Direct Plan - Quarterly IDCW against other debt funds.

Technical details (for the pros)
CAGR — 1 year6.62%
CAGR — 3 years7.43%
CAGR — 5 years6.73%
CAGR — since launch6.74%
Volatility — 1 year (annualised)0.50%
Volatility — 3 years (annualised)0.42%
Max drawdown — 1 year-0.15%
Max drawdown — 3 years-0.15%
Sharpe ratio — 1 year (rf=6%)1.39
Sharpe ratio — 3 years (rf=6%)3.50

Fund info

Fund house
UTI Mutual Fund
Category
Debt Scheme - Money Market Fund
Plan
Direct
Option
IDCW
ISIN (Growth)
INF789FA1M61
ISIN (Div re-invest)
INF789FA1M79
Fund code
142249
First price on record
2 Jan 2018 · 2,142 daily prices

About UTI - Money Market Fund - Direct Plan - Quarterly IDCW

UTI - Money Market Fund - Direct Plan - Quarterly IDCW is a Debt Scheme - Money Market Fund offered by UTI Mutual Fund under the Direct plan with the IDCW option. It has approximately 9 years of NAV track record. The fund falls in the debt category — Invests in bonds and loans. Lower returns than equity but much less bumpy — often used for shorter goals.

The current NAV of UTI - Money Market Fund - Direct Plan - Quarterly IDCW is ₹1789.5246 (as of 4 Sep 2026). Historically, it has delivered 6.61% over the last year, 7.43% CAGR over 3 years, 6.73% CAGR over 5 years. Returns are historical and don't predict future performance.

Over the last three years, the fund's prices have moved with 0.4% annualised volatility — a "low" level of bumpiness; its deepest peak-to-trough fall on record was 0.8%. Being mentally prepared for drawdowns of this size is what separates long-term investors from reactive traders.

Frequently asked

What is the latest NAV of UTI - Money Market Fund - Direct Plan - Quarterly IDCW?+

The latest NAV of UTI - Money Market Fund - Direct Plan - Quarterly IDCW is ₹1789.5246 as of 4 Sep 2026, up 0.03% from the previous day. NAV is updated once a business day after the market close.

What are the returns of UTI - Money Market Fund - Direct Plan - Quarterly IDCW?+

UTI - Money Market Fund - Direct Plan - Quarterly IDCW has delivered 1-year return 6.61%, 3-year CAGR 7.43%, 5-year CAGR 6.73%, since-inception CAGR 6.74%. Returns are historical and don't predict future performance — markets move in cycles.

What category does UTI - Money Market Fund - Direct Plan - Quarterly IDCW belong to?+

UTI - Money Market Fund - Direct Plan - Quarterly IDCW is categorised as Debt Scheme - Money Market Fund. Invests in bonds and loans. Lower returns than equity but much less bumpy — often used for shorter goals.

How risky is UTI - Money Market Fund - Direct Plan - Quarterly IDCW?+

Based on its 3-year annualised volatility of 0.4%, UTI - Money Market Fund - Direct Plan - Quarterly IDCW sits in the "low" risk bucket. Volatility measures how much prices swing — higher means bigger ups and downs along the way.

Is UTI - Money Market Fund - Direct Plan - Quarterly IDCW a direct plan?+

UTI - Money Market Fund - Direct Plan - Quarterly IDCW is a Direct plan (no distributor commission — lower expense ratio) with the IDCW option (periodic distributions, taxable at your slab rate).

How old is UTI - Money Market Fund - Direct Plan - Quarterly IDCW?+

UTI - Money Market Fund - Direct Plan - Quarterly IDCW has NAV history available from 2 Jan 2018 — approximately 9 years of track record and 2,142 daily NAV observations.

Numbers are computed from stored daily prices from mfapi.in/AMFI. This is descriptive analytics, not investment advice. Past performance is not indicative of future returns.