UTI Money Market Fund Regular Growth
DebtMoney MarketModerate Risk
Regular
NAV (18-Jun-25)
₹3084.830.03%1D
Returns (Since Inception)
7.32%
Rated ★4.5+ on 
Fund Overview
Fund Size
₹18,385 Cr
Expense Ratio
0.23%
ISIN
INF789F01PX8
Minimum SIP
₹500
Exit Load
No Charges
Inception Date
13 Jul 2009
About this fund
UTI Money Market Fund Regular Growth is a Money Market mutual fund schemes offered by UTI Mutual Fund. This fund has been in existence for 15 years, 11 months and 6 days, having been launched on 13-Jul-09.
As of 18-Jun-25, it has a Net Asset Value (NAV) of ₹3084.83, Assets Under Management (AUM) of 18384.56 Crores, and an expense ratio of 0.23%.
As of 18-Jun-25, it has a Net Asset Value (NAV) of ₹3084.83, Assets Under Management (AUM) of 18384.56 Crores, and an expense ratio of 0.23%.
- UTI Money Market Fund Regular Growth has given a CAGR return of 7.32% since inception.
- The fund's asset allocation comprises around 0.00% in equities, 20.50% in debts, and 79.26% in cash & cash equivalents.
- You can start investing in UTI Money Market Fund Regular Growth with a SIP of ₹500 or a Lumpsum investment of ₹500.
Performance against Category Average
In this section, we compare the returns of the scheme with the category average over various periods. Periods for which the fund has outperformed its category average are marked in green, otherwise red.
1 Year
+8.21%
+7.46% (Cat Avg.)
3 Years
+7.52%
+7.05% (Cat Avg.)
5 Years
+6.08%
+5.86% (Cat Avg.)
10 Years
+6.83%
+6.49% (Cat Avg.)
Since Inception
+7.32%
— (Cat Avg.)
Portfolio Summaryas of 31st May 2025
| Debt | ₹3,769.44 Cr | 20.50% |
| Others | ₹14,615.11 Cr | 79.50% |
Top Holdings
All Holdings
Equity
Debt & Others
| Name | Type  | Amount | Holdings |
|---|---|---|---|
| National Bank For Agriculture And Rural Development | Cash - CD/Time Deposit | ₹624.41 Cr | 3.40% |
| 364 Days Tbill (Md 05/03/2026) | Bond - Gov't/Treasury | ₹479.62 Cr | 2.61% |
| Indian Bank | Cash - CD/Time Deposit | ₹479.12 Cr | 2.61% |
| 364 DTB 19mar2026 | Bond - Gov't/Treasury | ₹478.62 Cr | 2.60% |
| National Bank For Agriculture And Rural Development | Cash - CD/Time Deposit | ₹430.26 Cr | 2.34% |
| National Bank For Agriculture And Rural Development | Cash - CD/Time Deposit | ₹381.81 Cr | 2.08% |
| HDFC Bank Limited** | Cash - CD/Time Deposit | ₹380.94 Cr | 2.07% |
| Small Industries Development Bank of India | Bond - Corporate Bond | ₹376.24 Cr | 2.05% |
| HDFC Bank Limited | Cash - CD/Time Deposit | ₹338.04 Cr | 1.84% |
| Axis Bank Limited** | Cash - CD/Time Deposit | ₹333.75 Cr | 1.82% |
| Small Industries Dev Bank Of India (11/03/2026) | Cash - CD/Time Deposit | ₹333.37 Cr | 1.81% |
| 06.89 RJ Sdl 2025 | Bond - Gov't/Treasury | ₹305.82 Cr | 1.66% |
| Small Industries Development Bank Of India | Cash - CD/Time Deposit | ₹288.49 Cr | 1.57% |
| Union Bank Of India | Cash - CD/Time Deposit | ₹288.38 Cr | 1.57% |
| IDFC First Bank | Cash - CD/Time Deposit | ₹287.47 Cr | 1.56% |
| Bank Of India | Cash - CD/Time Deposit | ₹287.21 Cr | 1.56% |
| Indian Bank (12/03/2026) | Cash - CD/Time Deposit | ₹285.75 Cr | 1.55% |
| Axis Bank Limited | Cash - CD/Time Deposit | ₹240.6 Cr | 1.31% |
| 364 Days Tbill Red 12-03-2026 | Bond - Gov't/Treasury | ₹239.56 Cr | 1.30% |
| National Bank For Agriculture And Rural Development | Cash - CD/Time Deposit | ₹239.52 Cr | 1.30% |
| Kotak Mahindra Bank Limited | Cash - CD/Time Deposit | ₹239.03 Cr | 1.30% |
| Canara Bank | Cash - CD/Time Deposit | ₹238.42 Cr | 1.30% |
| Toyota Financial Services India Limited | Cash - Commercial Paper | ₹214.45 Cr | 1.17% |
| 08.23 MH Sdl 2025 | Bond - Gov't/Treasury | ₹201.23 Cr | 1.09% |
| IDFC First Bank Limited | Cash - CD/Time Deposit | ₹194.19 Cr | 1.06% |
| Kotak Mahindra Bank Limited 2025 | Cash - CD/Time Deposit | ₹193.88 Cr | 1.05% |
| 364 DTB 12022026 | Bond - Gov't/Treasury | ₹192.44 Cr | 1.05% |
| 364 DTB 27022026 | Bond - Gov't/Treasury | ₹192.02 Cr | 1.04% |
| Kotak Mahindra Bank Limited | Cash - CD/Time Deposit | ₹191.89 Cr | 1.04% |
| Union Bank Of India | Cash - CD/Time Deposit | ₹191.83 Cr | 1.04% |
| Infina Finance Private Limited | Cash - Commercial Paper | ₹191.71 Cr | 1.04% |
| ICICI Securities Limited | Cash - Commercial Paper | ₹191.71 Cr | 1.04% |
| Indusind Bank Limited | Cash - CD/Time Deposit | ₹191.66 Cr | 1.04% |
| Axis Bank Limited | Cash - CD/Time Deposit | ₹191.61 Cr | 1.04% |
| Small Industries Development Bank Of India | Cash - CD/Time Deposit | ₹191.55 Cr | 1.04% |
| Indusind Bank Ltd. | Cash - CD/Time Deposit | ₹191.15 Cr | 1.04% |
| Union Bank Of India | Cash - CD/Time Deposit | ₹191.13 Cr | 1.04% |
| Hero Fincorp Limited | Cash - Commercial Paper | ₹190.98 Cr | 1.04% |
| Small Industries Development Bank Of India | Cash - CD/Time Deposit | ₹190.88 Cr | 1.04% |
| Birla Group Holdings Private Limited | Cash - Commercial Paper | ₹189.67 Cr | 1.03% |
| Export-Import Bank of India | Bond - Gov't Agency Debt | ₹187.96 Cr | 1.02% |
| SMFG India Cr Co.Ltd. | Cash - Commercial Paper | ₹187.03 Cr | 1.02% |
| HDFC Bank Limited | Cash - CD/Time Deposit | ₹167.71 Cr | 0.91% |
| 07.00 RJ Sdl 2025 | Bond - Gov't/Treasury | ₹150.52 Cr | 0.82% |
| Credila Financial Services Limited | Cash - Commercial Paper | ₹147.53 Cr | 0.80% |
| HDFC Bank Limited | Cash - CD/Time Deposit | ₹146.61 Cr | 0.80% |
| TATA Teleservices Limited | Cash - Commercial Paper | ₹145.35 Cr | 0.79% |
| HDFC Credila Financial Services Ltd | Cash - Commercial Paper | ₹145.02 Cr | 0.79% |
| Canara Bank | Cash - CD/Time Deposit | ₹144.88 Cr | 0.79% |
| Indian Bank | Cash - CD/Time Deposit | ₹144.39 Cr | 0.79% |
| Au Small Finance Bank Limited | Cash - CD/Time Deposit | ₹143.63 Cr | 0.78% |
| Punjab & Sind Bank | Cash - CD/Time Deposit | ₹143.59 Cr | 0.78% |
| Igh Holdings Private Limited | Cash - Commercial Paper | ₹143.32 Cr | 0.78% |
| ICICI Securities Limited | Cash - Commercial Paper | ₹143.24 Cr | 0.78% |
| HDFC Bank Limited | Cash - CD/Time Deposit | ₹143.2 Cr | 0.78% |
| Kotak Mahindra Bank Limited | Cash - CD/Time Deposit | ₹143.2 Cr | 0.78% |
| Au Small Finance Bank Limited | Cash - CD/Time Deposit | ₹142.85 Cr | 0.78% |
| Bharti Telecom Limited | Cash - Commercial Paper | ₹142.81 Cr | 0.78% |
| ICICI Securities Limited | Cash - Commercial Paper | ₹142.7 Cr | 0.78% |
| HDFC Bank Ltd. | Bond - Corporate Bond | ₹142.57 Cr | 0.78% |
| AU Small Finance Bank Ltd. | Bond - Corporate Bond | ₹142.2 Cr | 0.77% |
| Birla Group Holdings Private Limited | Cash - Commercial Paper | ₹142.18 Cr | 0.77% |
| Equitas Small Finance Bank Ltd. | Bond - Corporate Bond | ₹141.79 Cr | 0.77% |
| Indian Bank | Bond - Gov't Agency Debt | ₹141.45 Cr | 0.77% |
| Net Current Assets | Cash | ₹-138.48 Cr | 0.75% |
| Axis Bank Limited | Cash - CD/Time Deposit | ₹122.99 Cr | 0.67% |
| Bharti Telecom Limited | Cash - Commercial Paper | ₹121.71 Cr | 0.66% |
| Barclays Investments & Loans (India) Private Limited | Cash - Commercial Paper | ₹121.39 Cr | 0.66% |
| Kotak Mahindra Bank Limited (Formerly Kotak Mahindra Finance Limited) | Cash - CD/Time Deposit | ₹121.05 Cr | 0.66% |
| 08.28 KA Sdl 2026 | Bond - Gov't/Treasury | ₹101.82 Cr | 0.55% |
| 6.99% Govt Stock 2026 | Bond - Gov't/Treasury | ₹101.1 Cr | 0.55% |
| Mahindra Rural Housing Finance Limited | Cash - Commercial Paper | ₹97.52 Cr | 0.53% |
| Hero Housing Finance Limited | Cash - Commercial Paper | ₹97.28 Cr | 0.53% |
| ICICI Bank Ltd. | Cash - CD/Time Deposit | ₹97.17 Cr | 0.53% |
| Piramal Capital & Housing Finance Ltd. | Cash - Commercial Paper | ₹96.96 Cr | 0.53% |
| Nuvoco Vistas Corporation Limited | Cash - Commercial Paper | ₹96.92 Cr | 0.53% |
| Cholamandalam Investment And Fin. Co. Ltd | Cash - Commercial Paper | ₹96.85 Cr | 0.53% |
| Canara Bank | Cash - CD/Time Deposit | ₹96.82 Cr | 0.53% |
| Hero Fincorp Limited | Cash - Commercial Paper | ₹96.73 Cr | 0.53% |
| Kotak Mahindra Bank Limited (Formerly Kotak Mahindra Finance Limited) | Cash - CD/Time Deposit | ₹96.72 Cr | 0.53% |
| Piramal Finance Limited | Cash - Commercial Paper | ₹96.72 Cr | 0.53% |
| Canara Bank | Cash - CD/Time Deposit | ₹96.69 Cr | 0.53% |
| Canara Bank | Cash - CD/Time Deposit | ₹96.57 Cr | 0.53% |
| Punjab And Sind Bank | Cash - CD/Time Deposit | ₹95.91 Cr | 0.52% |
| Canara Bank | Cash - CD/Time Deposit | ₹95.91 Cr | 0.52% |
| Small Industries Dev Bank Of India** | Cash - CD/Time Deposit | ₹95.81 Cr | 0.52% |
| Poonawalla Fincorp Ltd. | Cash - Commercial Paper | ₹95.68 Cr | 0.52% |
| Export Import Bank Of India** | Cash - CD/Time Deposit | ₹95.4 Cr | 0.52% |
| Small Industries Dev Bank Of India** | Cash - CD/Time Deposit | ₹95.33 Cr | 0.52% |
| GIC Housing Finance Ltd. | Cash - Commercial Paper | ₹95.31 Cr | 0.52% |
| Canara Bank (13/03/2026) | Cash - CD/Time Deposit | ₹95.24 Cr | 0.52% |
| Mahindra Rural Housing Finance Limited | Cash - Commercial Paper | ₹94.95 Cr | 0.52% |
| Hdb Financial Services Limited** | Cash - Commercial Paper | ₹94.87 Cr | 0.52% |
| Hero Fincorp Limited | Cash - Commercial Paper | ₹94.6 Cr | 0.51% |
| HDFC Bank Ltd. | Bond - Corporate Bond | ₹94.08 Cr | 0.51% |
| Equitas Small Finance Bank Limited | Cash - CD/Time Deposit | ₹73.57 Cr | 0.40% |
| Axis Bank Limited | Cash - CD/Time Deposit | ₹73.3 Cr | 0.40% |
| 360 One Prime Ltd | Cash - Commercial Paper | ₹71.18 Cr | 0.39% |
| Godrej Finance Ltd. | Cash - Commercial Paper | ₹71.01 Cr | 0.39% |
| Infina Finance Pvt Ltd. | Cash - Commercial Paper | ₹70.88 Cr | 0.39% |
| 360 One Prime Ltd. | Cash - Commercial Paper | ₹70.6 Cr | 0.38% |
| 08.24 AP Sdl 2025 | Bond - Gov't/Treasury | ₹65.4 Cr | 0.36% |
| Standard Chartered Capital Limited | Cash - Commercial Paper | ₹48.58 Cr | 0.26% |
| Panatone Finvest Limited | Cash - Commercial Paper | ₹47.95 Cr | 0.26% |
| 360 One Wam Limited | Cash - Commercial Paper | ₹47.46 Cr | 0.26% |
| IGH Holdings Pvt Ltd. | Cash - Commercial Paper | ₹47.34 Cr | 0.26% |
| Tata Teleservices (Maharashtra) Ltd | Cash - Commercial Paper | ₹44.14 Cr | 0.24% |
| CORPORATE DEBT MARKET DEVT FUND - A2 UNITS | Mutual Fund - Open End | ₹44.07 Cr | 0.24% |
| Kotak Mahindra Bank Limited | Cash - CD/Time Deposit | ₹28.85 Cr | 0.16% |
| 08.25 MP Sdl 2025sep | Bond - Gov't/Treasury | ₹25.15 Cr | 0.14% |
| Standard Chartered Capital Limited | Cash - Commercial Paper | ₹24.22 Cr | 0.13% |
| Indian Bank | Cash - CD/Time Deposit | ₹24.21 Cr | 0.13% |
| 364 DTB 07082025 | Bond - Gov't/Treasury | ₹9.9 Cr | 0.05% |
| 364 DTB 04092025 | Bond - Gov't/Treasury | ₹9.86 Cr | 0.05% |
| Clearing Corporation Of India Ltd. Std - Margin | Cash - Repurchase Agreement | ₹3.09 Cr | 0.02% |
Allocation By Credit Quality (Debt)
AAA
Other Allocation
Equity Sector
Debt & Others
| Instruments | Amount | Holdings |
|---|---|---|
| Cash - CD/Time Deposit | ₹10,437.95 Cr | 56.78% |
| Cash - Commercial Paper | ₹4,258.59 Cr | 23.16% |
| Bond - Gov't/Treasury | ₹2,553.05 Cr | 13.89% |
| Bond - Corporate Bond | ₹896.88 Cr | 4.88% |
| Bond - Gov't Agency Debt | ₹329.41 Cr | 1.79% |
| Cash | ₹-138.48 Cr | 0.75% |
| Mutual Fund - Open End | ₹44.07 Cr | 0.24% |
| Cash - Repurchase Agreement | ₹3.09 Cr | 0.02% |
Risk & Performance Ratios
Standard Deviation
This fund
0.37%
Cat. avg.
0.55%
Lower the better
Sharpe Ratio
This fund
2.13
Cat. avg.
0.92
Higher the better
Sortino Ratio
This fund
--
Cat. avg.
3.84
Higher the better
Fund Managers
Anurag Mittal
Since December 2021
Amit Sharma
Since July 2017
Additional Scheme Detailsas of 31st May 2025
ISIN | INF789F01PX8 | Expense Ratio | 0.23% | Exit Load | No Charges | Fund Size | ₹18,385 Cr | Age | 15 years 11 months | Lumpsum Minimum | ₹500 | Fund Status | Open Ended Investment Company | Benchmark | CRISIL Money Market A-I TR INR |
Investment Objective
To seek to generate long-term capital growth from an actively managed portfolio primarily of Equity and Equity Related Securities. Scheme shall invest in Indian equities,foreign equities and related instruments and debt securities.
Tax Treatment
Capital Gains Taxation:
- For investments made on or after 1 April 2023: The entire capital gain is added to the investor's income and is taxed based on the applicable income tax slab.
- For investments made before 1 April 2023:
- If sold within 2 years of investment: The capital gains are added to the investor's income and taxed according to the applicable tax slab.
- If sold after 2 years of investment: The capital gains are taxed at a flat rate of 12.5%.
- Holding the units: No tax is applicable as long as you hold the units.
Dividend Taxation:
Dividends are considered part of the investor’s income and are taxed according to their applicable tax slab. Additionally, if an investor’s dividend income exceeds INR 5,000 in a financial year, a 10% Tax Deducted at Source (TDS) is withheld by the fund house before distributing the dividend.
Note: As per the Income Tax Budget 2024, mutual funds are subject to capital gains taxation, which includes surcharge and cess based on prevailing income tax rules and the investor’s income. Taxation applies only to realised gains, not notional gains. Please consult your tax advisors to determine the implications or consequences of your investments in such securities.
Similar Money Market Funds
| Fund name | Expense Ratio | Exit Load | Fund size | 1Y  |
|---|---|---|---|---|
| Bank of India Money Market Fund Regular Growth Low to Moderate Risk | 0.6% | 0.0% | ₹108.75 Cr | - |
| Bank of India Money Market Fund Direct Growth Low to Moderate Risk | 0.1% | 0.0% | ₹108.75 Cr | - |
| Zerodha Nifty 1D Rate Liquid ETF Low Risk | 0.3% | - | ₹4593.77 Cr | 6.1% |
| Mirae Asset Money Market Fund Direct Growth Low to Moderate Risk | 0.1% | 0.0% | ₹2658.65 Cr | 8.4% |
| Mirae Asset Money Market Fund Regular Growth Low to Moderate Risk | 0.4% | 0.0% | ₹2658.65 Cr | 8.1% |
| HSBC Money Market Fund Direct Growth Low to Moderate Risk | 0.1% | 0.0% | ₹3247.48 Cr | 8.2% |
| ICICI Prudential Money Market Fund Direct Growth Moderate Risk | 0.2% | 0.0% | ₹30001.49 Cr | 8.3% |
| Bandhan Money Manager Fund Direct Growth Low to Moderate Risk | 0.1% | 0.0% | ₹10885.31 Cr | 8.3% |
| Nippon India Money Market Fund Direct Growth Moderate Risk | 0.2% | 0.0% | ₹17771.77 Cr | 8.3% |
| Invesco India Money Market Fund Direct Growth Low to Moderate Risk | 0.2% | 0.0% | ₹5898.58 Cr | 8.1% |
About the AMC
Total AUM
₹3,29,939 Cr
Address
UTI Towers, Gn Block, Mumbai, 400 051
Other Funds by UTI Mutual Fund
Risk Level
Your principal amount will be at Moderate Risk
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What is the current NAV of UTI Money Market Fund Regular Growth?
The NAV of UTI Money Market Fund Regular Growth, as of 18-Jun-2025, is ₹3084.83.
What are the returns of UTI Money Market Fund Regular Growth?
The fund has generated 8.21% over the last 1 year and 7.52% over the last 3 years. However, this does not guarantee that the fund will perform similarly in the future.
What is the portfolio composition of UTI Money Market Fund Regular Growth?
The fund's allocation of assets is distributed as 0.00% in equities, 20.50% in bonds, and 79.26% in cash and cash equivalents.
Who manages the UTI Money Market Fund Regular Growth?
The fund managers responsible for UTI Money Market Fund Regular Growth are:-
- Anurag Mittal
- Amit Sharma
Disclaimer: Mutual Fund investments are subject to market risks, read all scheme-related documents carefully. The NAVs of the schemes may go up or down depending upon the factors and forces affecting the securities market including the fluctuations in the interest rates. The past performance of the mutual funds is not necessarily indicative of the future performance of the schemes. Investors are requested to review the prospectus carefully and obtain expert professional advice with regard to specific legal, tax and financial implications of the investment/participation in the scheme.
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Dezerv Investments Private Limited is a Portfolio Manager with SEBI Registration no. INP000007377 and an Investment Manager to Category - I AIF-VCF-Angel Fund with SEBI Registration no. IN/AIF1/22-23/1066.
Mutual Fund distribution services are offered through Dezerv Distribution Services Pvt Limited, a wholly owned subsidiary with AMFI Registration No.: ARN -248439. **Mutual fund investments are subject to market risks, read all scheme related documents carefully.** Terms and conditions of the website are applicable. Privacy policy of the website is applicable.
Dezerv Investments Private Limited is a Portfolio Manager with SEBI Registration no. INP000007377 and an Investment Manager to Category - I AIF-VCF-Angel Fund with SEBI Registration no. IN/AIF1/22-23/1066.
Mutual Fund distribution services are offered through Dezerv Distribution Services Pvt Limited, a wholly owned subsidiary with AMFI Registration No.: ARN -248439. **Mutual fund investments are subject to market risks, read all scheme related documents carefully.** Terms and conditions of the website are applicable. Privacy policy of the website is applicable.