MonitorDirect · GrowthWatch before adding
UTI Focused Fund (30 stocks)
UTI Mutual FundEquity Schemes - Focused Fund5.2 years
The scheme seeks to generate long term capital appreciation by investing in equity & equity related instruments of maximum 30 stocks across market caps.
- NAV
- 15.6739
- 27 Oct 2026
- 1Y
- -7.9%
- Trailing CAGR
- Upside capture
- +92%
- 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 27 Oct 2026
Stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
In three lines
Fits if · Three-year return sits below the 25th percentile of comparable share classes.
Prefer peers if · Prefer Canara Robeco Focused Fund if you want a same-category peer with stronger evidence.
Buy checklist
History depth
Pass
5.2 years of path to read.
Engine status
Watch
Recent evidence is mixed. Compare peers before increasing exposure.
Expense ratio
Pass
1.14% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -19.3%. Ask whether you can hold through a similar fall.
Vs category
Fail
0% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
Pass
Vishal Chopda · 4.5 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 ≈ 53.4% 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 19%. 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-7.9%
- 3Y+9.5%
- 5Y+8.4%
- 10Yn/a
- SI+9.1%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y-6.7%
- 3Y+0.7%
- 5Y+7.6%
- 10Yn/a
- Since inception
- +9.1%
- Calendar-day CAGR
- Excess 1Y
- -0.1%
- Category median, same plan and option
- 3Y win rate
- 0%
- Windows beating the median
- 3Y percentile
- 11
- Vs comparable share classes
- SIP 3Y XIRR
- +0.7%
- Simulated monthly SIP
- Worst rolling 3Y
- +8.1%
- 537 daily-ending windows
- Median rolling 3Y
- +15.9%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 42 daily-ending windows
Official benchmark
Date-aligned against NIFTY 500 TRI. Capture ratios use common month-end observations through 28 Oct 2026.
- 1Y excess
- +0.1%
- Fund minus TRI
- 3Y excess
- -0.6%
- Fund minus TRI
- Upside capture
- +92%
- 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
- -19.3%
- Worst peak-to-trough
- Current
- -12.0%
- Below last peak
- Current spell
- 761 days
- Days below latest peak
- Time below peak
- +88%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 7 days
- 52 recovered episodes
- Longest recovery
- 83 days
- Trough to prior peak
26 Sept 2024 – open
Trough 28 Feb 2025 · not recovered
-19.3%
15 Nov 2021 – 8 Sept 2022
Trough 17 Jun 2022 · recovered in 83 days
-17.3%
13 Sept 2022 – 12 May 2023
Trough 28 Mar 2023 · recovered in 45 days
-9.0%
15 Sept 2023 – 22 Nov 2023
Trough 26 Oct 2023 · recovered in 27 days
-6.1%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
11
Vs category
49
Consistency
14
Risk-adjusted
39
Drawdown
52
Mean
33
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
No supporting reads in the current evidence set.
Portfolio
30 Sept 2026 · 31 holdings · top 10 are 53.4%.
- Top 5
- 33.6%
- Top 10
- 53.4%
- Largest holding
- 9.0%
- Effective holdings
- 23.2
ICICI Bank Ltd
Financial
9.0%
HDFC Bank Ltd
Financial
8.1%
Reliance Industries Ltd
Energy & Utilities
6.0%
Zomato Ltd
Technology
5.5%
Larsen & Toubro Ltd
Industrials
4.9%
What changed
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
22 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
DECISION
Status moved from MONITOR to REVIEW.
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
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
15 Sept 2026
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Canara Robeco Focused Fund
Canara Robeco Mutual Fund
- 1Y
- -8.8%
- 3Y
- +12.4%
- Vol
- 13.4%
- Max DD
- -18.1%
- Sharpe
- 0.60
- 3Y win
- +69%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Mahindra Manulife Focused Fund
Mahindra Manulife Mutual Fund
- 1Y
- -8.8%
- 3Y
- +12.3%
- Vol
- 14.3%
- Max DD
- -16.5%
- Sharpe
- 0.87
- 3Y win
- +99%
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility
HSBC Focused Fund
HSBC Mutual Fund
- 1Y
- -0.4%
- 3Y
- +13.3%
- Vol
- 15.7%
- Max DD
- -21.2%
- Sharpe
- 0.76
- 3Y win
- +28%
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
ICICI Prudential Focused Fund
ICICI Prudential Mutual Fund
- 1Y
- -6.2%
- 3Y
- +16.3%
- Vol
- 15.1%
- Max DD
- -34.1%
- Sharpe
- 0.63
- 3Y win
- +47%
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
Invesco India Focused Fund
Invesco Mutual Fund
- 1Y
- +1.5%
- 3Y
- +20.6%
- Vol
- 15.2%
- Max DD
- -22.0%
- Sharpe
- 0.94
- 3Y win
- +96%
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown