MonitorDirect · GrowthWatch before adding
UTI Small Cap Fund
UTI Mutual FundEquity Schemes - Small Cap Fund5.9 years
The scheme seeks to generate long term capital appreciation by investing predominantly in equity and equity related securities of small cap companies.
- NAV
- 27.6725
- 30 Oct 2026
- 1Y
- -3.0%
- Trailing CAGR
- Upside capture
- +83%
- Vs NIFTY SMALLCAP 250 TRI
- Downside capture
- +71%
- 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
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
In three lines
Fits if · Risk-adjusted return sits above the documented risk-free proxy.
Prefer peers if · Prefer Axis Small Cap Fund if you want a same-category peer with stronger evidence.
Buy checklist
History depth
Pass
5.9 years of path to read.
Engine status
Watch
Recent evidence is mixed. Compare peers before increasing exposure.
Expense ratio
Pass
1.06% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -22.3%. Ask whether you can hold through a similar fall.
Vs category
Fail
33% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
Pass
Nitin Jain · 2.1 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 ≈ 24.1% 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 22%. 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-3.0%
- 3Y+12.1%
- 5Y+13.2%
- 10Yn/a
- SI+19.0%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y-0.4%
- 3Y+4.5%
- 5Y+11.4%
- 10Yn/a
- Since inception
- +19.0%
- Calendar-day CAGR
- Excess 1Y
- -4.3%
- Category median, same plan and option
- 3Y win rate
- +33%
- Windows beating the median
- 3Y percentile
- 40
- Vs comparable share classes
- SIP 3Y XIRR
- +4.5%
- Simulated monthly SIP
- Worst rolling 3Y
- +11.1%
- 703 daily-ending windows
- Median rolling 3Y
- +20.2%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 211 daily-ending windows
Official benchmark
Date-aligned against NIFTY SMALLCAP 250 TRI. Capture ratios use common month-end observations through 30 Oct 2026.
- 1Y excess
- +0.1%
- Fund minus TRI
- 3Y excess
- -0.2%
- Fund minus TRI
- Upside capture
- +83%
- Benchmark-up months
- Downside capture
- +71%
- Lower is better
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -22.3%
- Worst peak-to-trough
- Current
- -9.2%
- Below last peak
- Current spell
- 65 days
- Days below latest peak
- Time below peak
- +84%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 14 days
- 79 recovered episodes
- Longest recovery
- 476 days
- Trough to prior peak
11 Dec 2024 – 22 Jun 2026
Trough 3 Mar 2025 · recovered in 476 days
-22.3%
17 Jan 2022 – 15 Sept 2022
Trough 20 Jun 2022 · recovered in 87 days
-19.8%
26 Aug 2026 – open
Trough 23 Oct 2026 · not recovered
-11.2%
2 Dec 2022 – 17 May 2023
Trough 28 Mar 2023 · recovered in 50 days
-10.6%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
40
Vs category
23
Consistency
33
Risk-adjusted
67
Drawdown
44
Mean
41
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
- 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.
Supporting reads
- Risk-adjusted return sits above the documented risk-free proxy.
Portfolio
30 Sept 2026 · 109 holdings · top 10 are 24.1%.
- Top 5
- 15.0%
- Top 10
- 24.1%
- Largest holding
- 5.7%
- Effective holdings
- 69.2
Net Current Assets
Unspecified
5.7%
Ami Organics Ltd
Healthcare
2.5%
Navin Fluorine International Ltd
Materials
2.5%
Karur Vysya Bank Ltd
Financial
2.4%
City Union Bank Ltd
Financial
1.9%
What changed
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
30 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
29 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
28 Oct 2026
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
DECISION
Status moved from REVIEW to MONITOR.
24 Sept 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
24 Sept 2026
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Axis Small Cap Fund
Axis Mutual Fund
- 1Y
- +1.0%
- 3Y
- +13.2%
- Vol
- 14.7%
- Max DD
- -34.6%
- Sharpe
- 1.04
- 3Y win
- +71%
- Lower volatility
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Deeper drawdown
Mirae Asset Small Cap Fund
Mirae Asset Mutual Fund
- 1Y
- -0.3%
- 3Y
- n/a
- Vol
- 15.6%
- Max DD
- -15.1%
- Sharpe
- 0.34
- 3Y win
- n/a
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
Caveat: Lower trailing returns
Invesco India Small Cap Fund
Invesco Mutual Fund
- 1Y
- +6.2%
- 3Y
- +20.3%
- Vol
- 18.1%
- Max DD
- -37.7%
- Sharpe
- 0.91
- 3Y win
- +59%
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
Mahindra Manulife Small Cap Fund
Mahindra Manulife Mutual Fund
- 1Y
- +6.3%
- 3Y
- +18.0%
- Vol
- 17.1%
- Max DD
- -26.0%
- Sharpe
- 0.98
- 3Y win
- +100%
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
Canara Robeco Small Cap Fund
Canara Robeco Mutual Fund
- 1Y
- -4.8%
- 3Y
- +9.9%
- Vol
- 17.6%
- Max DD
- -36.2%
- Sharpe
- 0.83
- 3Y win
- +61%
- Higher win rate vs category
- Lower TER
Caveat: Higher volatility · Deeper drawdown · Lower trailing returns