HealthyDirect · GrowthFit for a long SIP
UTI Gold ETF Fund of Fund
UTI Mutual FundFund of Funds Scheme (Domestic) - Fund of Funds Scheme (Domestic)4 years
The scheme is seek to provide returns that correspond to returns provided by UTI Gold ETF by investing in units of UTI Gold ETF
- NAV
- 27.0583
- 29 Oct 2026
- 1Y
- +16.8%
- Trailing CAGR
- AUM
- ₹1,515.19 Cr
- 30 Sept 2026
- Volatility
- High
- 18.8% annualized
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
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
In three lines
Fits if · The fund beat the category median in 100% of rolling 3-year windows.
Fits if · Three-year return is above the category median.
Buy checklist
History depth
Watch
4.0 years - usable, still building a track record.
Engine status
Pass
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Expense ratio
Pass
0.07% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -23.6%. Ask whether you can hold through a similar fall.
Vs category
Pass
100% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
Watch
Lokesh Kulthia · 0.4 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
Watch
Top 10 holdings ≈ 100.0% of the portfolio.
Evidence supports a shortlist - confirm with peers before you buy elsewhere.
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+16.8%
- 3Y+31.4%
- 5Yn/a
- 10Yn/a
- SI+28.4%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y-6.5%
- 3Y+29.6%
- 5Yn/a
- 10Yn/a
- Since inception
- +28.4%
- Calendar-day CAGR
- Excess 1Y
- +12.2%
- Category median, same plan and option
- 3Y win rate
- +100%
- Windows beating the median
- 3Y percentile
- 69
- Vs comparable share classes
- SIP 3Y XIRR
- +29.6%
- Simulated monthly SIP
- Worst rolling 3Y
- +30.7%
- 246 daily-ending windows
- Median rolling 3Y
- +34.7%
- Calendar-day CAGR
- Positive rolling 5Y
- n/a
- 0 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -23.6%
- Worst peak-to-trough
- Current
- -20.3%
- Below last peak
- Current spell
- 273 days
- Days below latest peak
- Time below peak
- +86%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 10 days
- 57 recovered episodes
- Longest recovery
- 68 days
- Trough to prior peak
29 Jan 2026 – open
Trough 23 Mar 2026 · not recovered
-23.6%
17 Oct 2025 – 12 Dec 2025
Trough 28 Oct 2025 · recovered in 45 days
-10.3%
4 May 2023 – 29 Nov 2023
Trough 4 Oct 2023 · recovered in 56 days
-8.3%
18 Jul 2024 – 24 Sept 2024
Trough 8 Aug 2024 · recovered in 47 days
-7.4%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
69
Vs category
100
Consistency
88
Risk-adjusted
82
Drawdown
41
Mean
76
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Healthy
Buying stance
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Why this status
- No material deterioration, cost shock, or persistent category underperformance in the current evidence set.
Supporting reads
- The fund beat the category median in 100% of rolling 3-year windows.
- Three-year return is above the category median.
- Risk-adjusted return sits above the documented risk-free proxy.
Portfolio
30 Sept 2026 · 1 holdings · top 10 are 100.0%.
- Top 5
- 100.0%
- Top 10
- 100.0%
- Largest holding
- 100.4%
- Effective holdings
- 1.0
UTI Gold Exchange Traded Fund
Unspecified
100.4%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Axis Multi Factor Passive FoF
Axis Mutual Fund
- 1Y
- -7.3%
- 3Y
- +8.0%
- Vol
- 12.4%
- Max DD
- -22.0%
- Sharpe
- 0.25
- 3Y win
- +0%
- Lower volatility
- Shallower drawdown
- Lower TER
Caveat: Lower trailing returns
Groww Nifty 200 ETF FOF
Groww Mutual Fund
- 1Y
- -9.3%
- 3Y
- n/a
- Vol
- 18.3%
- Max DD
- -14.6%
- Sharpe
- 0.09
- 3Y win
- n/a
- Lower volatility
- Shallower drawdown
Caveat: Higher TER · Lower trailing returns
Groww Nifty 500 Momentum 50 ETF FOF
Groww Mutual Fund
- 1Y
- -4.5%
- 3Y
- n/a
- Vol
- 17.6%
- Max DD
- -17.3%
- Sharpe
- -0.09
- 3Y win
- n/a
- Lower volatility
- Shallower drawdown
Caveat: Higher TER · Lower trailing returns
Mirae Asset Nifty 100 ESG Sector Leaders Fund of Fund
Mirae Asset Mutual Fund
- 1Y
- -11.9%
- 3Y
- +7.4%
- Vol
- 14.0%
- Max DD
- -17.9%
- Sharpe
- 0.33
- 3Y win
- +20%
- Lower volatility
- Shallower drawdown
Caveat: Higher TER · Lower trailing returns
UTI Income Plus Arbitrage Active Fund of Fund
UTI Mutual Fund
- 1Y
- +4.8%
- 3Y
- n/a
- Vol
- 0.9%
- Max DD
- -0.3%
- Sharpe
- -0.36
- 3Y win
- n/a
- Lower volatility
- Shallower drawdown
Caveat: Higher TER · Lower trailing returns