Investment Objective and Approach

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 UTI Liquid Fund follows a conservative investment approach designed to provide capital preservation with modest returns. Liquid funds invest in bonds having maturity of up to three months. They are suitable to park the amount you have set aside to meet any emergency needs or any surplus money that you don't need for a few weeks up to a year.

Key characteristics of the fund's approach:

- Short-term maturity focus: Liquid funds invest in bonds having maturity of up to three months

- Low risk profile: The risk of incurring a loss in these funds is negligible but they do not guarantee returns or safety of capital

- Better than bank returns: You can expect to earn better returns than what you would get from a bank account

- Steady performance: These funds are geared to deliver only marginally higher returns than your bank account. They deliver steady, but low returns and are not suitable to build wealth in the long run

Fund Managers

Amit Sharma is the fund manager of UTI Liquid Fund Direct Growth. CA,FRM · Managing UTI-Liquid Cash Plan, UTI-Money Market and debt portion of UTI-Arbitrage Fund.

Professional Background:

- Amit Sharma is Vice President & Fund Manager of Debt. Mr. Sharma has been associated with UTI since 2008.

- He has also handled the Department of Fund Accounts for the company. He has been working with the Department of Fund Management for the past 4 years.

- Qualifications: Chartered Accountant (CA) and Financial Risk Manager (FRM)

- Total managed AUM: ₹50,814.08 Cr

About the Fund House (AMC)

UTI Asset Management Company is one of India's pioneering and most trusted mutual fund houses with a rich heritage spanning over six decades.

Company Heritage:

- UTI Mutual Fund was launched by the Government of India in 1963, and it is one of the oldest mutual fund companies in India. The Unit Trust of India (UTI), first mutual fund in India, was set up by an Act of Parliament in 1963.

- UTI is the Oldest Mutual Fund in India & is a trusted household brand

Current Scale and Operations:

- As of 2024, UTI AMC has an Assets Under Management (AUM) of Rs.15.56 lakh crores

- As of March 31, 2024, UTI AMC serves as the investment manager for UTI Mutual Fund schemes, managing an AUM of ?2.85 lakh crore

- With a nationwide network of more than 190 UTI Financial Centres and over 210 District Associates as of September 2023, UTI AMC is well-positioned for future growth

Ownership Structure:

- The UTI Mutual Fund is backed by four of India's largest PSU banks, State Bank of India, Punjab National Bank, Bank of Baroda, and Life Insurance Corporation of India, each holding 18.24% of UTIMF shares

- A significant 26% share is held by T. Rowe Price Group Inc., managed through its subsidiary, T. Rowe Price Global Investment Services Ltd

Business Focus:

- UTI Asset Management Company (UTI AMC) is one of India's leading asset management companies. It manages mutual funds, portfolio management services, and retirement solutions for individual and institutional investors.

Should I Invest in UTI Liquid Fund?

UTI Liquid Fund is suitable for investors with specific financial objectives and risk tolerance levels. Here's a comprehensive analysis to help you decide:

Ideal for:

- Emergency fund parking: They are suitable to park the amount you have set aside to meet any emergency needs or any surplus money that you don't need for a few weeks up to a year

- Short-term cash management: Investors looking for better returns than savings accounts while maintaining high liquidity

- Conservative investors: Those seeking capital preservation with minimal risk exposure

Key Investment Parameters:

- Minimum Investment: The minimum investment required to start investing in UTI Liquid Fund - Regular Plan is ₹500 for the lump sum option

- Risk Level: Its risk level is Moderate

- Performance Track Record: This fund has delivered an average annual returns of 6.88% since inception which is more than its category average return of 5.02%

Financial Highlights (as of latest data):

- 5-year Returns: Over the past five years, UTI Liquid Fund - Direct Plan has delivered an annualised return of 5.63% as of 22-Jul-2025

- Expense Ratio: Its expense ratio is 0.17% which is lower than the category average expense ratio of 0.26%

- AUM: This fund has AUM of ₹23383 Cr which is more than its category average of ₹ 14561 Cr

Important Considerations:

- Though rare, there have been few instances when liquid funds have incurred losses

- Not suitable for long-term wealth creation goals

- Returns are typically modest and may not beat inflation significantly over longer periods

FAQs

What is today's NAV of UTI Liquid Fund?

The NAV changes daily based on market conditions. Check the latest NAV on Allvest platform or the fund house website for real-time updates.

What is the AUM of UTI Liquid Fund?

This fund has AUM of ₹23383 Cr (as of latest available data). The AUM reflects strong investor confidence in the fund.

What is the expense ratio of UTI Liquid Fund?

Its expense ratio is 0.17% which is lower than the category average expense ratio of 0.26%. This competitive expense ratio helps improve net returns for investors.

What are the returns of UTI Liquid Fund since inception?

This fund has delivered an average annual returns of 6.88% since inception, which outperforms the category average of 5.02%.

What is the minimum SIP amount to invest in UTI Liquid Fund?

The minimum SIP investment in UTI - Liquid Cash Plan - Direct Plan - Growth Option is ₹1500 for systematic investment plans.

How do I invest in UTI Liquid Fund?

You can invest through Allvest platform online, which offers a seamless investment experience. Simply register, complete KYC, select the fund, and start investing digitally.

How to start a SIP in UTI Liquid Fund?

Log into your Allvest account, search for UTI Liquid Fund, select SIP option, choose investment amount and frequency, and set up automated payments for hassle-free investing.

How do I automate an SIP in UTI Liquid Fund?

Through Allvest platform, you can set up automated SIP with direct bank mandate, ensuring seamless monthly investments without manual intervention for consistent wealth building.

How can I withdraw/redeem my investment in UTI Liquid Fund?

You can redeem your investment through Allvest platform online. Liquid funds typically process redemptions quickly, with funds credited to your bank account within 1-2 business days.