UTI Liquid Fund Direct Growth

UTI Liquid Fund Direct Growth

NAV as on 21-04-2025

₹ 4270.37

Inception Returns

6.9%

/yr

Historical NAV & Returns

Absolute

zero opening, trading, fund transfer fee
400 people have invested ₹ 4.6Cr in UTI Liquid Fund Direct Growth in the last three months

About UTI Liquid Fund Direct Growth

UTI Liquid Fund Direct Growth is a debt fund. This fund was started on 1 January, 2013. The fund is managed by Amit Sharma. This fund is suitable to keep your money safe.

Key Parameters

  1. UTI Liquid Fund Direct Growth has ₹23383 Cr worth of assets under management (AUM) as on Dec 1969 and is more than category average.
  2. The fund has an expense ratio 0.2.

Returns

UTI Liquid Fund Direct Growth has given a CAGR return of 6.88% since inception. Over the last 1, 3 and 5 years the fund has given a CAGR return of 7.39%, 6.90% and 5.53% respectively.

Holdings

UTI Liquid Fund Direct Growth has allocated its funds majorly in Real Estate, Cash Equivalent, Corporate. Its top holdings are 91 Days Treasury Bill 26-Jun-2025, 91 DTB 30052025, National Bk For Agriculture & Rural Dev. **, 91 Days Tbill Red 19-06-2025, HDFC Bank Ltd. ** #

Taxation

As it is a liquid mutual fund the taxation is as follows:
If the fund is debt oriented i.e. asset allocation of more than 65% in debt instruments:
Invested before 1 April 2023 and held for less than 24 months, STCG will be taxed at your income slab rate.
Invested before 1 April 2023 and held for more than 24 months, LTCG will be taxed at 12.5%.
Invested after 1 April 2023, capital gains will be taxed at your income slab rate.
Dividends will always be taxed at slab rate.

Investment objective of UTI Liquid Fund Direct Growth

The investment objective of the scheme is to generate steady and reasonable income, with low risk and high level of liquidity from a portfolio of debt & money market instruments. However there can be no assurance that the investment objective of the Scheme will be achieved. The Scheme does not guarantee / indicate any returns.

Minimum Investment and lockin period

Minimum investment for lump sum payment is INR 500.00 and for SIP is INR 0.00. UTI Liquid Fund Direct Growth has no lock in period.

UTI Liquid Fund Direct Growth Overview

Expense ratio0.17%
Benchmark
Nifty Liquid Index A-I TR INR
AUM₹23383 Cr
Inception Date1 January, 2013
Min Lumpsum/SIP₹500/--
Exit Load
0.0%
Lock InNo Lock-in
TurnOver
183.91%
STCGSelling mutual fund within 36 months, gains taxed at slab rates.
LTCGHolding over 3 years, gains taxed at slab rates without indexation.
Risk
Risk meter
pointer
Moderate Risk

Trailing Returns

as on (21-Apr-25)

Period
UTI Liquid Fund Direct Growth
Liquid Index
1M
0.7%
0.6%
3M
1.9%
1.5%
6M
3.7%
3%
1Y
7.4%
6.6%
3Y
6.9%
6.4%
5Y
5.5%
5.1%

Fund Distribution

as on (31-Dec-69)

  • Debt & Cash 99.7%

AAA
100%

Sector Allocation

Mar'25

Feb'25

Jan'25

Dec'24

Nov'24

Oct'24

Cash Equivalent
69.4%
Corporate
30.6%
All changes are between Oct'69 and Dec'69
Parameters
Mar'25
Feb'25
Jan'25
AUM
₹ 23.4K Cr
₹ 24.8K Cr
₹ 25.8K Cr
  • AUM of the fund stands at 23.4K Cr as of Mar'25
  • AUM decreased by 1.4K Cr between Mar'25 and Feb'25
Cash allocation has gone down from 99.7% to 99.7%
Cash allocation has gone down from 99.7% to 99.7%

Top 3 Sectors in March were Real Estate, Corporate & Government

Mar'25
Real Estate
100%
Corporate
31%
Feb'25
Real Estate
100%
Corporate
24%
Government
4%
  • Debt & Cash

Holdings
Weight%
1M Change
91 Days Treasury Bill 26-Jun-2025
91 Days Treasury Bill 26-Jun-2025
6.53%
0%
91 DTB 30052025
91 DTB 30052025
4.44%
5%
National Bk For Agriculture & Rural Dev. **
National Bk For Agriculture & Rural Dev. **
4.44%
0%
91 Days Tbill Red 19-06-2025
91 Days Tbill Red 19-06-2025
4.22%
0%
HDFC Bank Ltd. ** #
HDFC Bank Ltd. ** #
3.8%
100%
  • Returns %

  • Fund Ratios

  • Overview

Funds
1Y Returns
3Y Returns
5Y Returns
Since Inception
UTI Liquid Fund Direct Growth
UTI Liquid Fund Direct Growth
7.39%
6.9%
5.53%
6.88%
Sundaram Liquid Fund -Direct Plan - Growth Option
Sundaram Liquid Fund -Direct Plan - Growth Option
7.45%
6.92%
5.48%
6.06%
Aditya Birla Sun Life Liquid Direct Plan Growth
Aditya Birla Sun Life Liquid Direct Plan Growth
7.44%
6.95%
5.58%
6.95%
ICICI Prudential Liquid Fund Direct Plan Growth
ICICI Prudential Liquid Fund Direct Plan Growth
7.38%
6.87%
5.52%
6.89%
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Amit Sharma
Amit Sharma
Fund Manager of UTI Liquid Fund Direct Growth, since 7 July 2017
Top funds managed
Fund House
UTI Asset Management Co Ltd
Total Schemes
Total AUM
₹2.21L Cr
as on 31-Mar-2025
Address
PMS Division, UTI - Tower, “Gn” Block, Bandra Kurla Complex, Mumbai- 400051
Phone
+912266786666
Website
pms_care@uti.co.in

Mutual Fund Insights

Insights icon
Over the last 3 months, this fund has decreased expense ratio by 5.6% moving from 0.18 to 0.17.
Insights icon
In the last 3 years, Aditya Birla Sun Life Liquid Direct Plan Growth has given 6.95% return, outperforming this fund by 0.05% per annum.
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In the last 5 years, Aditya Birla Sun Life Liquid Direct Plan Growth has given 5.58% return, outperforming this fund by 0.05% per annum.
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In the last 1 year, Sundaram Liquid Fund -Direct Plan - Growth Option has given 7.45% return, outperforming this fund by 0.06%.
Insights icon
This fund expense ratio is slightly on the lower side within the category (liquid). Its expense ratio is 0.17% which is lower than the category average expense ratio of 0.26%.
Insights icon
Over the last 6 months, this fund has experienced a 10.8% growth in AUM moving from 21.10K Cr to 23.38K Cr.

UTI Liquid Fund Direct Growth Highlights

Risk meter
pointer

Moderate Risk

Investors understand that their principal will be at Moderate Risk
About the fund

About the fund

This fund has delivered an average annual returns of 6.88% since inception which is more than its category average return of 4.97%
AUM size ₹23383 Cr

AUM size ₹23383 Cr

This fund has AUM of ₹23383 Cr which is more than its category average of ₹ 14633 Cr
Expense Ratio 0.17%

Expense Ratio 0.17%

This fund has an expense ratio of 0.17% which is less than its category average expense ratio of 0.23%

Frequently Asked Questions for UTI Liquid Fund Direct Growth

The current NAV of UTI Liquid Fund Direct Growth is ₹4270.37 as on 21-Apr-2025.
Existing (Absolute + CAGR) as on 21-Apr-2025.
UTI Liquid Fund Direct Growth
Absolute Returns
CAGR Returns
1 Month Returns
0.75%
0.75%
6 Month Returns
3.68%
3.68%
1 Year Returns
7.39%
7.39%
3 Years Returns
22.16%
6.9%
With INDmoney, the process of investing is very simple and involves zero commission.
  • Click Buy on the fund name.
  • Input the amount you are looking to invest.
  • Select Lump Sum or SIP (Weekly, Monthly or Quarterly).
  • Select your bank account and proceed with Payment.
0.17% as on March 2025
₹23383 Cr as on March 2025
91 Days Treasury Bill 26-Jun-2025(6.53%), 91 DTB 30052025(4.44%), National Bk For Agriculture & Rural Dev. **(4.44%), 91 Days Tbill Red 19-06-2025(4.22%), HDFC Bank Ltd. ** #(3.8%) as on March 2025
Yield to Maturity is 7 as on March 2025. Yield to Maturity is the total return earned on your bond investments if you hold the bond investments till maturity & all bonds' proceeds are reinvested in it.
Modified Duration is 0.17 as on March 2025. Modified Duration tells the sensitivity of the price of a bond to a change in interest rate.
AAA
100
Amit Sharma is the fund manager of UTI Liquid Fund Direct Growth
The Exit load of UTI Liquid Fund Direct Growth is 0.01%