ReviewDirect · GrowthPrefer peers first
UTI - Mid Cap Fund
UTI Mutual FundEquity Scheme - Mid Cap Fund13.8 years
The scheme is to generate long term capital appreciation by investing predominantly in equity and equity related securities of mid cap companies.
- NAV
- 328.4311
- 30 Oct 2026
- 1Y
- -4.5%
- Trailing CAGR
- Upside capture
- +89%
- Vs NIFTY MIDCAP 150 TRI
- Downside capture
- +94%
- 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 30 Oct 2026
Stance
Prefer peers first
The live read flags issues. Inspect same-category alternatives before buying.
In three lines
Watch if · Three-year return sits below the 25th percentile of comparable share classes.
Watch if · Maximum drawdown exceeded 35%.
Prefer peers if · Prefer Axis Midcap 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
1.27% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Watch
Peak-to-trough -40.7%. Ask whether you can hold through a similar fall.
Vs category
Fail
32% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
Watch
Vishal Chopda · 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
Pass
Top 10 holdings ≈ 22.6% 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-4.5%
- 3Y+10.6%
- 5Y+10.3%
- 10Y+13.0%
- SI+17.2%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y-3.7%
- 3Y+2.6%
- 5Y+9.4%
- 10Y+14.4%
- Since inception
- +17.2%
- Calendar-day CAGR
- Excess 1Y
- -2.5%
- Category median, same plan and option
- 3Y win rate
- +32%
- Windows beating the median
- 3Y percentile
- 24
- Vs comparable share classes
- SIP 3Y XIRR
- +2.6%
- Simulated monthly SIP
- Worst rolling 3Y
- -8.2%
- 2654 daily-ending windows
- Median rolling 3Y
- +18.4%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 2161 daily-ending windows
Official benchmark
Date-aligned against NIFTY MIDCAP 150 TRI. Capture ratios use common month-end observations through 30 Oct 2026.
- 1Y excess
- -0.2%
- Fund minus TRI
- 3Y excess
- -3.2%
- Fund minus TRI
- Upside capture
- +89%
- Benchmark-up months
- Downside capture
- +94%
- Lower is better
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -40.7%
- Worst peak-to-trough
- Current
- -9.6%
- Below last peak
- Current spell
- 60 days
- Days below latest peak
- Time below peak
- +88%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 14 days
- 151 recovered episodes
- Longest recovery
- 529 days
- Trough to prior peak
15 Jan 2018 – 17 Nov 2020
Trough 23 Mar 2020 · recovered in 239 days
-40.7%
24 Sept 2024 – 11 Aug 2026
Trough 28 Feb 2025 · recovered in 529 days
-22.7%
7 Jan 2013 – 29 Nov 2013
Trough 28 Aug 2013 · recovered in 93 days
-20.5%
17 Jan 2022 – 12 Sept 2022
Trough 20 Jun 2022 · recovered in 84 days
-20.2%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
24
Vs category
34
Consistency
37
Risk-adjusted
61
Drawdown
0
Mean
31
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
- Three-year return sits below the 25th percentile of comparable share classes.
- Maximum drawdown exceeded 35%.
Supporting reads
- Risk-adjusted return sits above the documented risk-free proxy.
Portfolio
30 Sept 2026 · 84 holdings · top 10 are 22.6%.
- Top 5
- 12.7%
- Top 10
- 22.6%
- Largest holding
- 3.0%
- Effective holdings
- 68.8
Coforge Ltd
Technology
3.0%
AU Small Finance Bank Ltd
Financial
2.8%
Blue Star Ltd
Industrials
2.5%
Aurobindo Pharma Ltd
Healthcare
2.2%
Ajanta Pharma Ltd
Healthcare
2.1%
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.
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
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.
Axis Midcap Fund
Axis Mutual Fund
- 1Y
- +1.3%
- 3Y
- +16.1%
- Vol
- 14.9%
- Max DD
- -29.4%
- Sharpe
- 0.82
- 3Y win
- +41%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Baroda BNP Paribas Mid Cap Fund
Baroda BNP Paribas Mutual Fund
- 1Y
- +0.8%
- 3Y
- +15.3%
- Vol
- 14.5%
- Max DD
- -18.6%
- Sharpe
- 0.70
- 3Y win
- +97%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
DSP Midcap Fund
DSP Mutual Fund
- 1Y
- -4.4%
- 3Y
- +12.6%
- Vol
- 16.2%
- Max DD
- -32.7%
- Sharpe
- 0.66
- 3Y win
- +49%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Franklin India Mid Cap Fund
Franklin Templeton Mutual Fund
- 1Y
- -8.4%
- 3Y
- +13.4%
- Vol
- 15.4%
- Max DD
- -36.6%
- Sharpe
- 0.74
- 3Y win
- +58%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
HDFC Mid Cap Fund
HDFC Mutual Fund
- 1Y
- -3.0%
- 3Y
- +15.6%
- Vol
- 15.6%
- Max DD
- -39.5%
- Sharpe
- 0.86
- 3Y win
- +76%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns