# Mutual Fund Factsheet: UTI - Liquid Fund

**Canonical Source**: https://mfcalc.getabundance.in/fund/102012
**Distributor**: Abundance Financial Services · Atin Kumar Agrawal (AMFI ARN-251838)

## 1. Scheme Overview
| Field | Value |
| --- | --- |
| AMC / Fund House | UTI Mutual Fund |
| Category | Income/Debt Oriented Schemes - Liquid Fund |
| Structure | Open Ended |
| AMFI Scheme Code | 102012 |
| ISIN | INF789F1AF85 |
| Current NAV | ₹463.82 (as of 23-Oct-2026) |
| Launch Date | 2006-04-01 (20 years old) |
| Total Fund AUM | ₹30,144 Cr |
| Expense Ratio | 0.15% |
| Primary Benchmark | CRISIL Liquid Debt Index |

## 2. Trailing Performance vs Benchmark (CAGR %)
| Period | UTI - Liquid Fund | Benchmark (CRISIL Liquid Debt Index) | Alpha (Outperformance) |
| --- | --- | --- | --- |
| 1 Month | +0.4% | +0.6% | -0.2% |
| 3 Months | +1.4% | +1.8% | -0.3% |
| 6 Months | -89.7% | +3.6% | -93.3% |
| 1 Year | -89.4% | +7.2% | -96.6% |
| 3 Years | -50.4% | +7.0% | -57.5% |
| 5 Years | -32.9% | +5.8% | -38.8% |
| 7 Years | -24.0% | — | — |
| 10 Years | -15.8% | — | — |
| Since Inception | -4.3% | — | — |

## 3. Risk & Volatility Metrics
| Metric | Value | Benchmark / Interpretation |
| --- | --- | --- |
| Annualized Volatility (Std Dev) | 40.8% | Measure of fund price variability (Lower is less volatile) |
| Maximum Drawdown | -89.9% | Largest peak-to-trough drop over available history |
| Return / Risk Ratio | -1.24 | Trailing return generated per unit of total risk |
| Sharpe Ratio (3Y) | -1.09 | Risk-adjusted excess return over 6.5% risk-free rate |

## 4. Portfolio Holdings (Top 3 Teaser)
| # | Company / Security | Asset Class | Sector | Portfolio Weight (%) |
| --- | --- | --- | --- | --- |
| 1 | GOVERNMENT OF INDIA 37846 091 DAYS TBILL 19NV26 FV RS 100 | DEBT | Financial | 4.5% |
| 2 | Net Current Assets | CASH | Unspecified | 4.3% |
| 3 | UCO BANK CD 04NOV26 | DEBT | Financial | 3.4% |

> 🔒 **Pro Member Access**: Complete portfolio holdings (108 securities), market-cap allocation (Large/Mid/Small Cap), and full sector exposure are available to Abundance Pro members at https://mfcalc.getabundance.in/fund/102012

## 5. SEBI Liquidity Stress Test
- **Status**: Not applicable (SEBI liquidity stress-testing disclosures are mandated specifically for Small Cap and Mid Cap mutual funds).

## 6. Regulatory Disclosures & Statutory Citation
> **Statutory Warning**: Mutual fund investments are subject to market risks, read all scheme related documents carefully.
> **Past Performance**: Past performance is not indicative of future returns.
> **Distributor Disclosure**: Published by **Abundance Financial Services** · Atin Kumar Agrawal (AMFI Registered Mutual Fund Distributor ARN-251838). This factsheet is provided strictly for educational and informational purposes and does not constitute investment advice, research, or a financial recommendation.
> **Interactive Tools**: View rolling return charts, peer quartile rankings, and CAS portfolio review at https://mfcalc.getabundance.in