Should I invest in UTI - Equity Fund?

We don't give personal investment advice. UTI - Equity Fund-Growth Option is suitable for an investor whose:time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a lossrisk tolerance accepts seeing the portfolio fall sharply without panic-sellinggoal isn't capital preservation in the short termCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 25.9%. 5-year CAGR: 5.58%.

UTI

UTI - Equity Fund-Growth Option

Latest NAV

₹293.6969

As of

3 Jun 2026

4,957 NAV records on file

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	+0.61%	+0.05%	+0.56	3 / 75	Q1
1W	-1.21%	-0.62%	-0.59	46 / 74	Q3
2W	-0.17%	-0.08%	-0.09	43 / 73	Q3
1M	+0.47%	+0.11%	+0.36	26 / 72	Q2
3M	-0.03%	+3.35%	-3.38	44 / 71	Q3
6M	-9.77%	+5.50%	-15.27	65 / 71	Q4
YTD	-8.20%	+2.11%	-10.30	64 / 71	Q4
1Y	-6.72%	+14.43%	-21.15	60 / 65	Q4
2Y	+2.65%	+8.46%	-5.82	40 / 61	Q3
3Y	+6.96%	+11.40%	-4.44	47 / 55	Q4
4Y	+7.35%	+10.74%	-3.39	26 / 35	Q3
5Y	+5.58%	+10.52%	-4.94	28 / 33	Q4
7Y	+10.75%	+11.08%	-0.33	15 / 28	Q3
10Y	+11.15%	+10.41%	+0.73	13 / 28	Q2
Inception	+11.49%	+8.97%	+2.52	29 / 75	Q2

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2026 YTD	-8.20%	-5.78%	-2.41	22 / 27
2025	+0.46%	+2.13%	-1.68	20 / 27
2024	+14.48%	+17.60%	-3.12	18 / 27
2023	+19.68%	+25.30%	-5.62	22 / 27
2022	-13.42%	+0.84%	-14.26	31 / 32
2021	+33.17%	+25.14%	+8.02	11 / 46
2020	+31.30%	+13.07%	+18.22	5 / 50
2019	+11.56%	+4.14%	+7.42	8 / 61
2018	+4.37%	-7.56%	+11.92	1 / 36
2017	+29.31%	+31.98%	-2.67	23 / 36
2016	+0.74%	+1.09%	-0.34	17 / 38

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+15.21%

233 windows

min -46.6% · max 88.1%

78% positive

3-Year rolling

+13.62%

210 windows

min -6.1% · max 29.7%

99% positive

5-Year rolling

+13.86%

185 windows

min 1.0% · max 24.1%

100% positive

7-Year rolling

+13.83%

161 windows

min 9.2% · max 22.3%

100% positive

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

13.06%

3-year · annualised

Sharpe ratio

0.08

vs risk-free 6.5%

Sortino ratio

0.13

Downside-only deviation

Max drawdown

-20.83%

Sep 2024 → Mar 2026

% positive months

66.7%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Peers in Flexi Cap Fund

Scheme	Fund house	NAV	As of
HDFC Equity Fund - Dividend Option	HDFC	₹69.5210	3 Jun 2026
SBI Magnum Multicap Fund - Dividend Option	SBI	₹46.7401	2 Jun 2026
ICICI Prudential Flexicap Fund - Growth	ICICI Prudential	₹18.7300	3 Jun 2026
Franklin India Prima Plus-Dividend	Franklin Templeton	₹59.4625	3 Jun 2026
Kotak Flexicap Fund - Growth	Kotak	₹82.5560	3 Jun 2026
HSBC India Opportunities Fund - Dividend	HSBC	₹41.1496	3 Jun 2026
Canara Robeco Equity Diversified-Growth	Canara Robeco	₹324.7600	3 Jun 2026
UTI - Equity Fund-Income Option	UTI	₹194.1737	3 Jun 2026
Birla Sun Life Equity Fund-Plan A(Dividend)	Birla Sun Life	₹158.0200	3 Jun 2026
Escorts Power & Energy Fund - Dividend Option	Escorts	₹75.7334	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹293.6969
2 Jun 2026	₹295.4124
1 Jun 2026	₹293.6118
29 May 2026	₹295.6140
27 May 2026	₹299.4291
26 May 2026	₹299.0445
25 May 2026	₹299.6527
22 May 2026	₹296.5077
21 May 2026	₹294.9484
20 May 2026	₹295.1579

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

As of 03 Jun 2026, the NAV of UTI - Equity Fund-Growth Option is ₹293.6969. It's a Flexi Cap Fund from UTI, run as a Unknown plan Growth option. NAVs update once per business day from the AMFI feed.

UTI - Equity Fund-Growth Option has NAV history starting from 03 Apr 2006, a track record of about 20 years 2 months. Long-tenured funds like this have weathered multiple market cycles — the 2008 crash, 2013 taper tantrum, 2020 COVID drawdown — which makes their returns more credible than a 3-year track record alone.

UTI - Equity Fund-Growth Option is managed by UTI. It's classified by AMFI under the 'Flexi Cap Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, UTI - Equity Fund-Growth Option has delivered a absolute return of -6.72% — -21.15 pp behind the Flexi Cap Fund category average of 14.43%. The fund ranks #60 of 65 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, UTI - Equity Fund-Growth Option has delivered a CAGR of 6.96% — -4.44 pp behind the Flexi Cap Fund category average of 11.40%. The fund ranks #47 of 55 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, UTI - Equity Fund-Growth Option has delivered a CAGR of 5.58% — -4.94 pp behind the Flexi Cap Fund category average of 10.52%. The fund ranks #28 of 33 in its category — the bottom (Q4) quartile.

₹1 lakh invested in UTI - Equity Fund-Growth Option exactly 10 years ago would be worth approximately ₹287,761 today — a multiplier of 2.88×, based on the 10-year CAGR of 11.15%. The category average over the same window would have grown ₹1 lakh to ₹269,323.

A ₹10,000 monthly SIP in UTI - Equity Fund-Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹658,808 today. That's an XIRR (money-weighted annualised return) of 3.69%.

A ₹10,000 monthly SIP for 10 years in UTI - Equity Fund-Growth Option = ₹1,200,000 invested. It would currently be worth ₹1,981,799 (multiplier 1.65×). XIRR: 9.69%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, UTI - Equity Fund-Growth Option ranks #28 out of 33 funds in the Flexi Cap Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 10.52%; this fund delivered 5.58%.

The worst peak-to-trough decline UTI - Equity Fund-Growth Option has experienced over the last 5-year window is 25.93% — its NAV fell from a high on 16 Nov 2021 to a low on 17 Jun 2022. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, UTI - Equity Fund-Growth Option averaged 13.86% (best 24.13%, worst 1.02%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.00 — weak risk-adjusted performance.

In calendar year 2025, UTI - Equity Fund-Growth Option returned 0.46% — lagging the Flexi Cap Fund category average of 2.13% by 1.68 pp. It ranked #20 of 27 in its category that year.

UTI - Equity Fund-Growth Option is classified as an Equity fund (at least 65% equity exposure). Tax rules (post Budget 2024): if you hold 12 months or more, gains are Long-Term and taxed at 12.5% on the amount exceeding ₹1.25 lakh per financial year. Held for under 12 months, gains are Short-Term and taxed at 20%. The ₹1.25 L exemption is per PAN per FY across all equity LTCG.

We don't give personal investment advice. UTI - Equity Fund-Growth Option is suitable for an investor whose:

time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a loss
risk tolerance accepts seeing the portfolio fall sharply without panic-selling
goal isn't capital preservation in the short term

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 25.9%. 5-year CAGR: 5.58%.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.