MonitorDirect · GrowthWatch before adding
UTI Value Fund
UTI Mutual FundEquity Schemes - Value Fund13.8 years
The scheme is to generate long term capital appreciation by investing predominantly in equity and equity related securities of companies across market capitalization spectrum.
- NAV
- 173.6492
- 29 Oct 2026
- 1Y
- -9.3%
- Trailing CAGR
- Upside capture
- +93%
- Vs NIFTY 500 TRI
- Downside capture
- +87%
- 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 29 Oct 2026
Stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
In three lines
Fits if · Three-year return is above the category median.
Fits if · Risk-adjusted return sits above the documented risk-free proxy.
Prefer peers if · Prefer Axis Value 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
Watch
Recent evidence is mixed. Compare peers before increasing exposure.
Expense ratio
Pass
1.35% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Watch
Peak-to-trough -36.7%. Ask whether you can hold through a similar fall.
Vs category
Fail
35% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
Pass
Amit Kumar Premchandani · 8.7 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 ≈ 41.1% 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 37%. 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-9.3%
- 3Y+11.8%
- 5Y+10.0%
- 10Y+12.9%
- SI+12.9%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y-7.8%
- 3Y+1.4%
- 5Y+8.9%
- 10Y+13.2%
- Since inception
- +12.9%
- Calendar-day CAGR
- Excess 1Y
- -3.5%
- Category median, same plan and option
- 3Y win rate
- +35%
- Windows beating the median
- 3Y percentile
- 60
- Vs comparable share classes
- SIP 3Y XIRR
- +1.4%
- Simulated monthly SIP
- Worst rolling 3Y
- -5.4%
- 2652 daily-ending windows
- Median rolling 3Y
- +15.1%
- Calendar-day CAGR
- Positive rolling 5Y
- +99%
- 2159 daily-ending windows
Official benchmark
Date-aligned against NIFTY 500 TRI. Capture ratios use common month-end observations through 30 Oct 2026.
- 1Y excess
- -1.7%
- Fund minus TRI
- 3Y excess
- +1.4%
- Fund minus TRI
- Upside capture
- +93%
- Benchmark-up months
- Downside capture
- +87%
- Lower is better
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -36.7%
- Worst peak-to-trough
- Current
- -10.4%
- Below last peak
- Current spell
- 300 days
- Days below latest peak
- Time below peak
- +88%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 16 days
- 156 recovered episodes
- Longest recovery
- 398 days
- Trough to prior peak
7 Feb 2020 – 5 Nov 2020
Trough 23 Mar 2020 · recovered in 227 days
-36.7%
3 Mar 2015 – 30 Mar 2017
Trough 29 Feb 2016 · recovered in 395 days
-24.3%
17 Jan 2022 – 12 Sept 2022
Trough 17 Jun 2022 · recovered in 87 days
-17.3%
26 Sept 2024 – 2 Jan 2026
Trough 7 Apr 2025 · recovered in 270 days
-17.2%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
60
Vs category
28
Consistency
37
Risk-adjusted
50
Drawdown
8
Mean
37
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.
- 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 · 66 holdings · top 10 are 41.1%.
- Top 5
- 26.6%
- Top 10
- 41.1%
- Largest holding
- 8.0%
- Effective holdings
- 37.3
HDFC Bank Ltd
Financial
8.0%
ICICI Bank Ltd
Financial
6.3%
Bharti Airtel Ltd
Technology
4.2%
Kotak Mahindra Bank Ltd
Financial
4.2%
Axis Bank Ltd
Financial
3.9%
What changed
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
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
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Axis Value Fund
Axis Mutual Fund
- 1Y
- +1.0%
- 3Y
- +17.9%
- Vol
- 14.5%
- Max DD
- -20.2%
- Sharpe
- 0.67
- 3Y win
- +100%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
HSBC Value Fund
HSBC Mutual Fund
- 1Y
- -5.1%
- 3Y
- +14.5%
- Vol
- 15.0%
- Max DD
- -19.6%
- Sharpe
- 0.71
- 3Y win
- +100%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Mahindra Manulife Value Fund
Mahindra Manulife Mutual Fund
- 1Y
- +0.0%
- 3Y
- n/a
- Vol
- 14.6%
- Max DD
- -11.5%
- Sharpe
- 0.40
- 3Y win
- n/a
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
Caveat: Lower trailing returns
Canara Robeco Value Fund
Canara Robeco Mutual Fund
- 1Y
- -8.8%
- 3Y
- +10.1%
- Vol
- 13.9%
- Max DD
- -19.0%
- Sharpe
- 0.50
- 3Y win
- +29%
- Lower volatility
- Shallower drawdown
- Lower TER
Caveat: Lower trailing returns
JM Value Fund
JM Financial Mutual Fund
- 1Y
- -7.6%
- 3Y
- +10.7%
- Vol
- 18.7%
- Max DD
- -37.9%
- Sharpe
- 0.55
- 3Y win
- +90%
- Higher win rate vs category
Caveat: Higher volatility · Deeper drawdown · Higher TER · Lower trailing returns