UTI Liquid Fund

Ticker: mf12409
Decent 68/100

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Business Overview

UTI Liquid Fund is a highly liquid mutual fund designed for investors seeking short-term investment options with minimal risk. Ideal for individuals and institutions looking to park their funds temporarily while earning better returns than a savings account. This fund primarily invests in short-term debt and money market instruments, ensuring safety and liquidity. With a focus on capital preservation and competitive returns, it is an excellent choice for those wanting to manage cash flows effectively.

  • Low-risk investment option
  • Ideal for short-term financial goals
  • Provides liquidity and safety
  • Invests in high-quality debt instruments
  • Suitable for both individual and institutional investors

Opportunity vs Risk

Opportunities
  • Stable returns in volatile markets
  • Tax efficiency for long-term investors
  • Liquidity for quick access to funds
  • Diversification in investment portfolio
Risks ⚠️
  • Interest rate fluctuations impact returns
  • Credit risk from underlying securities
  • Market volatility affecting NAV
  • Limited growth compared to equities
📊 Stock Investment Checklist (100 Points)
UTI Liquid Fund • Updated: 2025-09-29 16:29:38
  • 10
    Business
    High
    The liquid fund operates in a stable sector with a clear model, but lacks a significant competitive moat.
  • 10
    Growth
    High
    Consistent revenue and profit growth observed, but growth potential is limited due to market saturation.
  • 10
    Profitability
    High
    ROE and ROCE are decent, but OCF is not consistently higher than net profit.
  • 8
    Valuation
    High
    Valuation metrics are in line with peers, but not particularly attractive.
  • 7
    Balance
    High
    Debt levels are manageable, but liquidity could be improved.
  • 6
    Governance
    Good
    Promoter holding is stable, but there are concerns about transparency in disclosures.
  • 5
    Drivers
    Good
    Growth drivers are limited, with execution risks present in current market conditions.
  • 5
    Technicals
    Good
    Market sentiment is neutral, with low momentum and liquidity.
Final Score & Verdict
Score 68 / 100 • Decent
UTI Liquid Fund presents a decent investment opportunity with stable returns, but potential investors should be cautious of growth limitations and governance issues.


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