Should I invest in UTI Flexi Cap Fund?

We don't give personal investment advice. UTI Flexi Cap Fund - Direct Plan - IDCW 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: 25.6%. 5-year CAGR: 5.28%.

UTI

UTI Flexi Cap Fund - Direct Plan - IDCW

Latest NAV

₹210.7910

As of

3 Jun 2026

3,299 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	+0.62%	-0.75%	+1.37	4 / 105	Q1
1W	-1.20%	-1.81%	+0.61	60 / 104	Q3
2W	-0.15%	-1.11%	+0.96	59 / 104	Q3
1M	+0.52%	-1.16%	+1.68	35 / 104	Q2
3M	+0.13%	+1.00%	-0.88	57 / 103	Q3
6M	-9.49%	+1.92%	-11.41	81 / 100	Q4
YTD	-7.96%	-1.23%	-6.72	77 / 98	Q4
1Y	-6.12%	+9.43%	-15.56	72 / 88	Q4
2Y	+3.30%	+5.85%	-2.55	45 / 82	Q3
3Y	+7.69%	+10.05%	-2.36	47 / 71	Q3
4Y	+7.43%	+9.63%	-2.20	28 / 39	Q3
5Y	+5.28%	+8.82%	-3.54	26 / 34	Q4
7Y	+9.85%	+10.71%	-0.86	15 / 27	Q3
10Y	+9.66%	+8.89%	+0.76	5 / 17	Q2
Inception	+10.42%	+8.04%	+2.38	41 / 105	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	-7.96%	-6.20%	-1.75	33 / 46
2025	+1.10%	+1.97%	-0.87	27 / 43
2024	+15.28%	+18.83%	-3.55	25 / 42
2023	+20.60%	+26.32%	-5.73	30 / 36
2022	-14.89%	-2.27%	-12.62	34 / 36
2021	+30.82%	+23.11%	+7.70	16 / 50
2020	+28.80%	+11.58%	+17.22	5 / 56
2019	+8.82%	+5.80%	+3.03	23 / 68
2018	+1.96%	-11.53%	+13.49	2 / 33
2017	+26.06%	+29.49%	-3.43	19 / 30
2016	-2.16%	-0.10%	-2.06	21 / 30

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

+13.81%

152 windows

min -25.2% · max 84.5%

77% positive

3-Year rolling

+11.36%

127 windows

min -3.7% · max 26.4%

99% positive

5-Year rolling

+11.80%

103 windows

min -1.6% · max 19.3%

99% positive

7-Year rolling

+11.56%

79 windows

min 7.3% · max 14.9%

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

13.07%

3-year · annualised

Sharpe ratio

0.14

vs risk-free 6.5%

Sortino ratio

0.21

Downside-only deviation

Max drawdown

-20.08%

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 Flexi Cap Fund - IDCW Option - Direct Plan	HDFC	₹85.5390	3 Jun 2026
Nippon India Flexi Cap Fund - Direct Plan - IDCW Option	Nippon India	₹17.0211	3 Jun 2026
SBI Flexicap Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹58.6919	2 Jun 2026
ICICI Prudential Flexicap Fund - Direct Plan - IDCW	ICICI Prudential	₹16.7500	3 Jun 2026
Invesco India Flexi Cap Fund - Direct Plan - IDCW	Invesco	₹17.0200	3 Jun 2026
BANDHAN Flexi Cap Fund-Direct Plan-IDCW	Bandhan	₹49.6510	3 Jun 2026
quant Flexi Cap Fund - IDCW Option - Direct Plan	Quant	₹80.8500	3 Jun 2026
Aditya Birla Sun Life Flexi Cap Fund -DIRECT - IDCW	Aditya Birla Sun Life	₹224.7300	3 Jun 2026
Motilal Oswal Flexi Cap Fund Direct - IDCW Payout/Reinvestment	Motilal Oswal	₹31.2807	3 Jun 2026
Franklin India Flexi Cap Fund - Direct - IDCW	Franklin India	₹66.6106	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹210.7910
2 Jun 2026	₹212.0187
1 Jun 2026	₹210.7228
29 May 2026	₹212.1490
27 May 2026	₹214.8796
26 May 2026	₹214.6000
25 May 2026	₹215.0329
22 May 2026	₹212.7652
21 May 2026	₹211.6427
20 May 2026	₹211.7895

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 Flexi Cap Fund - Direct Plan - IDCW is ₹210.7910. It's a Flexi Cap Fund from UTI, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

UTI Flexi Cap Fund - Direct Plan - IDCW has NAV history starting from 02 Jan 2013, a track record of about 13 years 5 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

UTI Flexi Cap Fund - Direct Plan - IDCW 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 Flexi Cap Fund - Direct Plan - IDCW has delivered a absolute return of -6.12% — -15.56 pp behind the Flexi Cap Fund category average of 9.43%. The fund ranks #72 of 88 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, UTI Flexi Cap Fund - Direct Plan - IDCW has delivered a CAGR of 7.69% — -2.36 pp behind the Flexi Cap Fund category average of 10.05%. The fund ranks #47 of 71 in its category — the third (Q3) quartile.

Over the trailing 5-year window, UTI Flexi Cap Fund - Direct Plan - IDCW has delivered a CAGR of 5.28% — -3.54 pp behind the Flexi Cap Fund category average of 8.82%. The fund ranks #26 of 34 in its category — the bottom (Q4) quartile.

₹1 lakh invested in UTI Flexi Cap Fund - Direct Plan - IDCW exactly 10 years ago would be worth approximately ₹251,369 today — a multiplier of 2.51×, based on the 10-year CAGR of 9.66%. The category average over the same window would have grown ₹1 lakh to ₹234,455.

A ₹10,000 monthly SIP in UTI Flexi Cap Fund - Direct Plan - IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹665,248 today. That's an XIRR (money-weighted annualised return) of 4.08%.

A ₹10,000 monthly SIP for 10 years in UTI Flexi Cap Fund - Direct Plan - IDCW = ₹1,200,000 invested. It would currently be worth ₹1,905,151 (multiplier 1.59×). XIRR: 8.94%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, UTI Flexi Cap Fund - Direct Plan - IDCW ranks #26 out of 34 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 8.82%; this fund delivered 5.28%.

The worst peak-to-trough decline UTI Flexi Cap Fund - Direct Plan - IDCW has experienced over the last 5-year window is 25.55% — 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 Flexi Cap Fund - Direct Plan - IDCW averaged 11.80% (best 19.25%, worst -1.59%). 99% of rolling windows ended positive. The 5-year Sharpe ratio is -0.02 — negative risk-adjusted performance.

In calendar year 2025, UTI Flexi Cap Fund - Direct Plan - IDCW returned 1.10% — lagging the Flexi Cap Fund category average of 1.97% by 0.87 pp. It ranked #27 of 43 in its category that year.

UTI Flexi Cap Fund - Direct Plan - IDCW 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 Flexi Cap Fund - Direct Plan - IDCW 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: 25.6%. 5-year CAGR: 5.28%.

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