MonitorDirect · GrowthWatch before adding
UTI - Flexi Cap Fund.
UTI Mutual FundEquity Scheme - Flexi Cap Fund13.8 years
The scheme seeks to generate long term capital appreciation by investing predominantly in equity and equity related securities of companies across the market capitalization spectrum.
- NAV
- 334.9782
- 29 Oct 2026
- 1Y
- -6.3%
- Trailing CAGR
- Upside capture
- +91%
- Vs NIFTY 500 TRI
- Downside capture
- +89%
- Lower is better
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 29 Oct 2026
Stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
In three lines
Fits if · Risk-adjusted return sits above the documented risk-free proxy.
Prefer peers if · Prefer Bajaj Finserv Flexi Cap Fund if you want a same-category peer with stronger evidence.
Buy checklist
History depth
Pass
13.8 years of path to read.
Engine status
Watch
Recent evidence is mixed. Compare peers before increasing exposure.
Expense ratio
Pass
1.16% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -33.9%. Ask whether you can hold through a similar fall.
Vs category
Fail
39% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
Watch
Akash Dilip Shah · 0.8 years on the scheme.
Exit load
n/a
No exit-load summary on file.
Tax / wrapper
Pass
Direct Growth, no ELSS lock flagged. Equity LTCG rules still apply after one year - not tax advice.
Portfolio concentration
Pass
Top 10 holdings ≈ 44.3% of the portfolio.
Browse category
Same-category peers are preloaded into compare when available.
Before you buy or SIP
Behaviour and wrappers - the usual India MF failure modes - not a buy instruction.
Drawdown rehearsal
This scheme’s worst fall on file is about 34%. Before you SIP, ask whether you would keep contributing through a similar drop - pausing on fear is the usual India MF failure mode.
SIP discipline
Monitor is recent mixed evidence - keep the SIP unless the buying brief says prefer peers, then swap with intent.
NAV
Path not in current snapshots
n/a
Returns
Trailing CAGR and simulated monthly SIP XIRR from daily NAV. Category comparison uses the median of comparable share classes in the peer set.
Trailing CAGR
Point-to-point, calendar-day annualized
- 1Y-6.3%
- 3Y+8.3%
- 5Y+3.9%
- 10Y+11.6%
- SI+12.8%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+1.8%
- 3Y+2.5%
- 5Y+5.8%
- 10Y+10.6%
- Since inception
- +12.8%
- Calendar-day CAGR
- Excess 1Y
- -1.3%
- Category median, same plan and option
- 3Y win rate
- +39%
- Windows beating the median
- 3Y percentile
- 9
- Vs comparable share classes
- SIP 3Y XIRR
- +2.5%
- Simulated monthly SIP
- Worst rolling 3Y
- -1.4%
- 2652 daily-ending windows
- Median rolling 3Y
- +13.2%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 2159 daily-ending windows
Official benchmark
Date-aligned against NIFTY 500 TRI. Capture ratios use common month-end observations through 30 Oct 2026.
- 1Y excess
- +1.3%
- Fund minus TRI
- 3Y excess
- -2.1%
- Fund minus TRI
- Upside capture
- +91%
- Benchmark-up months
- Downside capture
- +89%
- Lower is better
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -33.9%
- Worst peak-to-trough
- Current
- -7.3%
- Below last peak
- Current spell
- 765 days
- Days below latest peak
- Time below peak
- +89%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 18 days
- 130 recovered episodes
- Longest recovery
- 546 days
- Trough to prior peak
12 Feb 2020 – 8 Oct 2020
Trough 23 Mar 2020 · recovered in 199 days
-33.9%
16 Nov 2021 – 15 Dec 2023
Trough 17 Jun 2022 · recovered in 546 days
-25.6%
24 Sept 2024 – open
Trough 23 Mar 2026 · not recovered
-20.1%
6 Aug 2015 – 12 Jul 2016
Trough 29 Feb 2016 · recovered in 134 days
-18.3%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
9
Vs category
42
Consistency
39
Risk-adjusted
51
Drawdown
15
Mean
31
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Monitor
Buying stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
Why this status
- Three-year return sits below the 25th percentile of comparable share classes.
Supporting reads
- Risk-adjusted return sits above the documented risk-free proxy.
Portfolio
30 Sept 2026 · 56 holdings · top 10 are 44.3%.
- Top 5
- 26.4%
- Top 10
- 44.3%
- Largest holding
- 6.6%
- Effective holdings
- 32.9
Zomato Ltd
Technology
6.6%
ICICI Bank Ltd
Financial
5.8%
Bajaj Finance Ltd
Financial
5.5%
HDFC Bank Ltd
Financial
4.6%
Titan Company Ltd
Consumer Discretionary
3.9%
What changed
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
23 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
22 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
21 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
19 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
16 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
24 Sept 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
23 Sept 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
22 Sept 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
21 Sept 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
18 Sept 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
17 Sept 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
16 Sept 2026
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Bajaj Finserv Flexi Cap Fund
Bajaj Finserv Mutual Fund
- 1Y
- -0.3%
- 3Y
- +15.8%
- Vol
- 13.1%
- Max DD
- -17.5%
- Sharpe
- 0.69
- 3Y win
- +100%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Nippon India Flexi Cap Fund
Nippon India Mutual Fund
- 1Y
- -7.8%
- 3Y
- +9.4%
- Vol
- 14.8%
- Max DD
- -19.8%
- Sharpe
- 0.35
- 3Y win
- +60%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Parag Parikh Flexi Cap Fund
PPFAS Mutual Fund
- 1Y
- -7.0%
- 3Y
- +12.5%
- Vol
- 11.9%
- Max DD
- -31.2%
- Sharpe
- 0.96
- 3Y win
- +88%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Baroda BNP Paribas Flexi Cap Fund
Baroda BNP Paribas Mutual Fund
- 1Y
- -3.8%
- 3Y
- +11.9%
- Vol
- 13.9%
- Max DD
- -20.4%
- Sharpe
- 0.48
- 3Y win
- +78%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher TER
BANK OF INDIA FLEXI CAP FUND
Bank of India Mutual Fund
- 1Y
- +3.1%
- 3Y
- +18.6%
- Vol
- 16.6%
- Max DD
- -23.7%
- Sharpe
- 1.09
- 3Y win
- +100%
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility