MonitorDirect · GrowthWatch before adding
UTI Multi Cap Fund
UTI Mutual FundEquity Schemes - Multi Cap Fund1.5 years
The scheme seeks to generate long-term capital appreciation by investing predominantly in equity and equity related securities of companies across the market capitalization spectrum.
- NAV
- 10.2135
- 30 Oct 2026
- 1Y
- -4.6%
- Trailing CAGR
- AUM
- ₹2,112.99 Cr
- 30 Sept 2026
- Volatility
- Medium
- 11.9% 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
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
In three lines
Fits if · Peak-to-trough drawdown has stayed shallower than 15%.
Prefer peers if · Prefer Samco Multi Cap Fund if you want a same-category peer with stronger evidence.
Buy checklist
History depth
Fail
1.5 years - thin for judging consistency.
Engine status
Watch
Recent evidence is mixed. Compare peers before increasing exposure.
Expense ratio
Pass
1.09% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -14.1%. Ask whether you can hold through a similar fall.
Vs category
n/a
Category relative read still thin.
Manager tenure
Watch
Karthikraj Lakshmanan · 1.5 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 ≈ 31.9% 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 14%. 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-4.6%
- 3Yn/a
- 5Yn/a
- 10Yn/a
- SI+1.7%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y-3.4%
- 3Yn/a
- 5Yn/a
- 10Yn/a
- Since inception
- +1.7%
- Calendar-day CAGR
- Excess 1Y
- -2.1%
- Category median, same plan and option
- 3Y win rate
- n/a
- Windows beating the median
- 3Y percentile
- n/a
- Vs comparable share classes
- SIP 3Y XIRR
- n/a
- Simulated monthly SIP
- Worst rolling 3Y
- n/a
- 0 daily-ending windows
- Median rolling 3Y
- n/a
- 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
- -14.1%
- Worst peak-to-trough
- Current
- -7.3%
- Below last peak
- Current spell
- 64 days
- Days below latest peak
- Time below peak
- +90%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 15 days
- 16 recovered episodes
- Longest recovery
- 126 days
- Trough to prior peak
5 Jan 2026 – 3 Aug 2026
Trough 30 Mar 2026 · recovered in 126 days
-14.1%
27 Aug 2026 – open
Trough 23 Oct 2026 · not recovered
-8.5%
19 Sept 2025 – 16 Oct 2025
Trough 29 Sept 2025 · recovered in 17 days
-3.7%
17 Jul 2025 – 15 Sept 2025
Trough 8 Aug 2025 · recovered in 38 days
-3.6%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
12
Vs category
37
Consistency
1
Risk-adjusted
10
Drawdown
65
Mean
25
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
- Risk-adjusted return (Sharpe) is negative over the available daily history.
Supporting reads
- Peak-to-trough drawdown has stayed shallower than 15%.
Portfolio
30 Sept 2026 · 74 holdings · top 10 are 31.9%.
- Top 5
- 21.3%
- Top 10
- 31.9%
- Largest holding
- 5.0%
- Effective holdings
- 50.0
ICICI Bank Ltd
Financial
5.0%
HDFC Bank Ltd
Financial
4.7%
Net Current Assets
Unspecified
4.6%
Kotak Mahindra Bank Ltd
Financial
4.3%
Axis Bank Ltd
Financial
2.6%
What changed
DECISION
Status moved from MONITOR to REVIEW.
15 Sept 2026
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Samco Multi Cap Fund
Samco Mutual Fund
- 1Y
- -3.5%
- 3Y
- n/a
- Vol
- 11.3%
- Max DD
- -20.1%
- Sharpe
- -0.94
- 3Y win
- n/a
- Lower volatility
- Higher win rate vs category
- Higher trailing returns
Caveat: Deeper drawdown · Higher TER
Axis Multicap Fund
Axis Mutual Fund
- 1Y
- +3.8%
- 3Y
- +18.7%
- Vol
- 14.0%
- Max DD
- -18.1%
- Sharpe
- 0.69
- 3Y win
- +96%
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
Groww Multicap Fund
Groww Mutual Fund
- 1Y
- +10.3%
- 3Y
- n/a
- Vol
- 15.6%
- Max DD
- -16.5%
- Sharpe
- 0.31
- 3Y win
- n/a
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
HSBC Multi Cap Fund
HSBC Mutual Fund
- 1Y
- -0.1%
- 3Y
- +16.4%
- Vol
- 15.2%
- Max DD
- -20.1%
- Sharpe
- 0.92
- 3Y win
- +100%
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
ICICI Prudential Multi Cap Fund
ICICI Prudential Mutual Fund
- 1Y
- -3.1%
- 3Y
- +13.4%
- Vol
- 15.4%
- Max DD
- -38.9%
- Sharpe
- 0.64
- 3Y win
- +26%
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown