ReviewDirect · GrowthPrefer peers first
UTI Large & Mid Cap Fund
UTI Mutual FundEquity Scheme - Large & Mid Cap Fund13.8 years
The scheme seeks to generate long term capital appreciation by investing predominantly in equity and equity related securities of large cap and mid cap companies.
- NAV
- 187.9192
- 30 Oct 2026
- 1Y
- -4.9%
- Trailing CAGR
- AUM
- ₹6,219.89 Cr
- 30 Sept 2026
- Volatility
- Medium
- 15.4% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 30 Oct 2026
Stance
Prefer peers first
The live read flags issues. Inspect same-category alternatives before buying.
In three lines
Watch if · Maximum drawdown exceeded 35%.
Prefer peers if · Prefer Bandhan Large & Mid 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
Fail
The live read flags issues. Inspect same-category alternatives before buying.
Expense ratio
Pass
1.14% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Watch
Peak-to-trough -41.5%. Ask whether you can hold through a similar fall.
Vs category
Fail
38% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
Pass
V Srivatsa · 9.5 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 ≈ 32.5% 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 41%. 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-4.9%
- 3Y+13.9%
- 5Y+12.4%
- 10Y+13.4%
- SI+13.8%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y-6.8%
- 3Y+3.5%
- 5Y+11.7%
- 10Y+14.8%
- Since inception
- +13.8%
- Calendar-day CAGR
- Excess 1Y
- -0.7%
- Category median, same plan and option
- 3Y win rate
- +38%
- Windows beating the median
- 3Y percentile
- 82
- Vs comparable share classes
- SIP 3Y XIRR
- +3.5%
- Simulated monthly SIP
- Worst rolling 3Y
- -10.1%
- 2654 daily-ending windows
- Median rolling 3Y
- +16.2%
- Calendar-day CAGR
- Positive rolling 5Y
- +98%
- 2161 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -41.5%
- Worst peak-to-trough
- Current
- -8.2%
- Below last peak
- Current spell
- 301 days
- Days below latest peak
- Time below peak
- +88%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 12 days
- 144 recovered episodes
- Longest recovery
- 262 days
- Trough to prior peak
23 Jan 2018 – 4 Dec 2020
Trough 23 Mar 2020 · recovered in 256 days
-41.5%
3 Mar 2015 – 5 Aug 2016
Trough 12 Feb 2016 · recovered in 175 days
-20.9%
18 Oct 2021 – 29 Nov 2022
Trough 20 Jun 2022 · recovered in 162 days
-18.3%
26 Sept 2024 – 17 Nov 2025
Trough 28 Feb 2025 · recovered in 262 days
-17.5%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
82
Vs category
46
Consistency
37
Risk-adjusted
53
Drawdown
0
Mean
44
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
- Maximum drawdown exceeded 35%.
Supporting reads
- Three-year return is above the category median.
- Risk-adjusted return sits above the documented risk-free proxy.
Portfolio
30 Sept 2026 · 74 holdings · top 10 are 32.5%.
- Top 5
- 19.6%
- Top 10
- 32.5%
- Largest holding
- 5.5%
- Effective holdings
- 49.3
HDFC Bank Ltd
Financial
5.5%
ICICI Bank Ltd
Financial
4.5%
Reliance Industries Ltd
Energy & Utilities
3.7%
Infosys Ltd
Technology
2.9%
State Bank of India
Financial
2.9%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Bandhan Large & Mid Cap Fund
Bandhan Mutual Fund
- 1Y
- -3.4%
- 3Y
- +16.7%
- Vol
- 15.8%
- Max DD
- -38.5%
- Sharpe
- 0.61
- 3Y win
- +61%
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility
Baroda BNP Paribas Large and Mid Cap fund
Baroda BNP Paribas Mutual Fund
- 1Y
- -4.2%
- 3Y
- +13.5%
- Vol
- 14.9%
- Max DD
- -20.6%
- Sharpe
- 0.85
- 3Y win
- +81%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
Caveat: Lower trailing returns
Motilal Oswal Large and Midcap Fund
Motilal Oswal Mutual Fund
- 1Y
- +0.3%
- 3Y
- +20.6%
- Vol
- 19.4%
- Max DD
- -37.4%
- Sharpe
- 0.79
- 3Y win
- +98%
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility
PGIM India Large and Midcap Fund
PGIM India Mutual Fund
- 1Y
- -4.9%
- 3Y
- n/a
- Vol
- 14.0%
- Max DD
- -15.5%
- Sharpe
- 0.22
- 3Y win
- n/a
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
Caveat: Lower trailing returns
SBI LARGE & MIDCAP FUND
SBI Mutual Fund
- 1Y
- -5.1%
- 3Y
- +11.9%
- Vol
- 15.0%
- Max DD
- -36.4%
- Sharpe
- 0.67
- 3Y win
- +72%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
Caveat: Lower trailing returns