HealthyDirect · GrowthFit for a long SIP
UTI Nifty 500 Value 50 Index Fund
UTI Mutual FundIndex Funds - Equity Funds3.5 years
The Scheme seeeks to provide returns that, before expenses, corresponds to the total return of the securities as represented by the underlying index, subject to tracking error.
- NAV
- 20.579
- 29 Oct 2026
- 1Y
- -2.1%
- Trailing CAGR
- AUM
- ₹838.01 Cr
- 30 Sept 2026
- Volatility
- High
- 19.8% 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
3.5 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
0.73% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -22.6%. 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
Pass
Top 10 holdings ≈ 49.1% of the portfolio.
Evidence supports a shortlist - confirm with peers before you buy elsewhere.
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 23%. 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
If you start a SIP here, diary a 90-day check and an annual review - don’t react to every NAV print.
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-2.1%
- 3Y+19.9%
- 5Yn/a
- 10Yn/a
- SI+23.5%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y-10.9%
- 3Y+4.9%
- 5Yn/a
- 10Yn/a
- Since inception
- +23.5%
- Calendar-day CAGR
- Excess 1Y
- +4.0%
- Category median, same plan and option
- 3Y win rate
- +100%
- Windows beating the median
- 3Y percentile
- 100
- Vs comparable share classes
- SIP 3Y XIRR
- +4.9%
- Simulated monthly SIP
- Worst rolling 3Y
- +18.5%
- 118 daily-ending windows
- Median rolling 3Y
- +25.8%
- 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
- -22.6%
- Worst peak-to-trough
- Current
- -12.5%
- Below last peak
- Current spell
- 245 days
- Days below latest peak
- Time below peak
- +87%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 13 days
- 44 recovered episodes
- Longest recovery
- 306 days
- Trough to prior peak
31 Jul 2024 – 31 Dec 2025
Trough 28 Feb 2025 · recovered in 306 days
-22.6%
26 Feb 2026 – open
Trough 23 Oct 2026 · not recovered
-14.4%
3 Jun 2024 – 5 Jul 2024
Trough 4 Jun 2024 · recovered in 31 days
-12.4%
5 Mar 2024 – 8 Apr 2024
Trough 19 Mar 2024 · recovered in 20 days
-9.0%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
100
Vs category
75
Consistency
85
Risk-adjusted
70
Drawdown
43
Mean
75
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 · 50 holdings · top 10 are 49.1%.
- Top 5
- 25.8%
- Top 10
- 49.1%
- Largest holding
- 5.3%
- Effective holdings
- 30.0
Grasim Industries Ltd
Materials
5.3%
Hindalco Industries Ltd
Materials
5.2%
Coal India Ltd
Materials
5.2%
Oil & Natural Gas Corporation Ltd
Energy & Utilities
5.1%
State Bank of India
Financial
5.0%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Aditya Birla Sun Life BSE 500 Quality 50 Index Fund
Aditya Birla Sun Life Mutual Fund
- 1Y
- -3.9%
- 3Y
- n/a
- Vol
- 13.6%
- Max DD
- -11.4%
- Sharpe
- -0.31
- 3Y win
- n/a
- Lower volatility
- Shallower drawdown
- Lower TER
Caveat: Lower trailing returns
Aditya Birla Sun Life Nifty 50 Equal Weight index Fund
Aditya Birla Sun Life Mutual Fund
- 1Y
- -6.1%
- 3Y
- +11.1%
- Vol
- 13.7%
- Max DD
- -18.0%
- Sharpe
- 0.45
- 3Y win
- +28%
- Lower volatility
- Shallower drawdown
- Lower TER
Caveat: Lower trailing returns
Aditya Birla Sun Life Nifty Midcap 150 Index Fund
Aditya Birla Sun Life Mutual Fund
- 1Y
- -4.0%
- 3Y
- +13.8%
- Vol
- 16.7%
- Max DD
- -21.2%
- Sharpe
- 0.69
- 3Y win
- +100%
- Lower volatility
- Shallower drawdown
- Lower TER
Caveat: Lower trailing returns
Axis BSE Sensex Index Fund
Axis Mutual Fund
- 1Y
- -11.9%
- 3Y
- n/a
- Vol
- 13.5%
- Max DD
- -16.0%
- Sharpe
- -0.23
- 3Y win
- n/a
- Lower volatility
- Shallower drawdown
- Lower TER
Caveat: Lower trailing returns
Axis Nifty 500 Index Fund
Axis Mutual Fund
- 1Y
- -7.9%
- 3Y
- n/a
- Vol
- 14.0%
- Max DD
- -18.6%
- Sharpe
- -0.47
- 3Y win
- n/a
- Lower volatility
- Shallower drawdown
- Lower TER
Caveat: Lower trailing returns