ReviewDirect · GrowthPrefer peers first
UTI - India Consumer Fund
UTI Mutual FundEquity Schemes - Thematic Fund13.8 years
The scheme seeks to generate long term capital appreciation by investing predominantly in companies that are expected to benefit from the growth of consumption, changing demographics, consumer aspirations and lifestyle.
- NAV
- 58.5954
- 28 Oct 2026
- 1Y
- -10.9%
- Trailing CAGR
- AUM
- ₹678.01 Cr
- 30 Sept 2026
- Volatility
- Medium
- 14.7% annualized
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
Prefer peers first
The live read flags issues. Inspect same-category alternatives before buying.
In three lines
Watch if · Long-term category-relative performance remains stronger than the most recent rolling 1-year windows, which have deteriorated across multiple periods.
Watch if · Recent return trails the category median by 3 percentage points or more, with a weak rolling win rate.
Prefer peers if · Prefer 360 ONE QUANT 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
Fail
The live read flags issues. Inspect same-category alternatives before buying.
Expense ratio
Watch
1.70% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -29.7%. Ask whether you can hold through a similar fall.
Vs category
Fail
19% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
Watch
Vicky Punjabi · 1.4 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 ≈ 55.2% 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 30%. 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
Review does not mean stop the SIP tomorrow - compare peers first. Stopping on a red label often locks in the worst path.
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-10.9%
- 3Y+8.8%
- 5Y+7.0%
- 10Y+10.5%
- SI+10.8%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y-8.5%
- 3Y-0.3%
- 5Y+6.2%
- 10Y+10.1%
- Since inception
- +10.8%
- Calendar-day CAGR
- Excess 1Y
- -6.0%
- Category median, same plan and option
- 3Y win rate
- +19%
- Windows beating the median
- 3Y percentile
- 21
- Vs comparable share classes
- SIP 3Y XIRR
- -0.3%
- Simulated monthly SIP
- Worst rolling 3Y
- -2.9%
- 2651 daily-ending windows
- Median rolling 3Y
- +12.4%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 2158 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -29.7%
- Worst peak-to-trough
- Current
- -16.6%
- Below last peak
- Current spell
- 761 days
- Days below latest peak
- Time below peak
- +90%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 11 days
- 137 recovered episodes
- Longest recovery
- 242 days
- Trough to prior peak
27 Aug 2018 – 20 Nov 2020
Trough 23 Mar 2020 · recovered in 242 days
-29.7%
26 Sept 2024 – open
Trough 4 Mar 2025 · not recovered
-23.3%
3 Mar 2015 – 30 Aug 2016
Trough 11 Feb 2016 · recovered in 201 days
-21.0%
17 Nov 2021 – 13 Sept 2022
Trough 17 Jun 2022 · recovered in 88 days
-18.7%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
21
Vs category
13
Consistency
21
Risk-adjusted
44
Drawdown
26
Mean
25
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Review
Buying stance
Prefer peers first
The live read flags issues. Inspect same-category alternatives before buying.
Why this status
- Long-term category-relative performance remains stronger than the most recent rolling 1-year windows, which have deteriorated across multiple periods.
- Recent return trails the category median by 3 percentage points or more, with a weak rolling win rate.
- 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 · 45 holdings · top 10 are 55.2%.
- Top 5
- 36.9%
- Top 10
- 55.2%
- Largest holding
- 9.4%
- Effective holdings
- 23.4
Zomato Ltd
Technology
9.4%
Mahindra & Mahindra Ltd
Consumer Discretionary
9.2%
Titan Company Ltd
Consumer Discretionary
7.4%
Bharti Airtel Ltd
Technology
5.6%
Maruti Suzuki India Ltd
Consumer Discretionary
5.2%
What changed
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
27 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
26 Oct 2026
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
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
360 ONE QUANT FUND
360 ONE Mutual Fund
- 1Y
- -8.9%
- 3Y
- +13.5%
- Vol
- 16.6%
- Max DD
- -22.4%
- Sharpe
- 0.56
- 3Y win
- +91%
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility
DSP Business Cycle Fund
DSP Mutual Fund
- 1Y
- -4.5%
- 3Y
- n/a
- Vol
- 13.7%
- Max DD
- -14.8%
- Sharpe
- -0.37
- 3Y win
- n/a
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
Caveat: Lower trailing returns
HSBC India Export Opportunities Fund
HSBC Mutual Fund
- 1Y
- +14.2%
- 3Y
- n/a
- Vol
- 16.1%
- Max DD
- -20.5%
- Sharpe
- 0.16
- 3Y win
- n/a
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility
Mahindra Manulife Business Cycle Fund
Mahindra Manulife Mutual Fund
- 1Y
- -4.5%
- 3Y
- +15.8%
- Vol
- 15.7%
- Max DD
- -21.4%
- Sharpe
- 0.55
- 3Y win
- +100%
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility
Mirae Asset Great Consumer Fund
Mirae Asset Mutual Fund
- 1Y
- -9.1%
- 3Y
- +9.8%
- Vol
- 14.5%
- Max DD
- -35.5%
- Sharpe
- 0.72
- 3Y win
- +71%
- Lower volatility
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Deeper drawdown