Should I invest in UTI - Flexi Cap Fund?

We don't give personal investment advice. UTI - Flexi Cap Fund-Growth Option - Direct 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: 6.36%.

UTI

UTI - Flexi Cap Fund-Growth Option - Direct

Latest NAV

₹316.7484

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	+0.61%	+0.11%	+0.51	5 / 104	Q1
1W	-1.20%	-0.67%	-0.53	62 / 103	Q3
2W	-0.15%	+0.04%	-0.19	63 / 102	Q3
1M	+0.52%	+0.32%	+0.20	39 / 101	Q2
3M	+0.13%	+3.68%	-3.55	63 / 100	Q3
6M	-9.49%	+6.18%	-15.67	98 / 99	Q4
YTD	-7.96%	+2.47%	-10.43	96 / 99	Q4
1Y	-6.12%	+17.47%	-23.59	87 / 89	Q4
2Y	+3.30%	+10.45%	-7.15	68 / 84	Q4
3Y	+7.69%	+13.44%	-5.75	67 / 74	Q4
4Y	+8.12%	+14.31%	-6.20	35 / 38	Q4
5Y	+6.36%	+14.05%	-7.69	32 / 32	Q4
7Y	+11.54%	+14.35%	-2.82	20 / 23	Q4
10Y	+11.86%	+14.35%	-2.49	15 / 18	Q4
Inception	+12.79%	+11.11%	+1.68	49 / 104	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%	-4.10%	-3.86	43 / 44
2025	+1.10%	+3.69%	-2.59	30 / 39
2024	+15.28%	+20.93%	-5.65	34 / 40
2023	+20.60%	+29.96%	-9.37	33 / 34
2022	-12.68%	+1.56%	-14.24	34 / 34
2021	+34.18%	+25.89%	+8.29	16 / 52
2020	+32.19%	+15.92%	+16.28	8 / 58
2019	+12.13%	+7.18%	+4.96	14 / 69
2018	+4.91%	-5.07%	+9.98	2 / 34
2017	+29.90%	+36.55%	-6.64	27 / 31
2016	+1.20%	+3.36%	-2.16	19 / 31

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

+16.24%

152 windows

min -22.9% · max 89.4%

82% positive

3-Year rolling

+13.96%

127 windows

min -0.8% · max 29.9%

99% positive

5-Year rolling

+14.50%

103 windows

min 1.5% · max 22.3%

100% positive

7-Year rolling

+14.30%

79 windows

min 10.1% · max 18.3%

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

13.07%

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 - Growth Option - Direct Plan	HDFC	₹2,115.5350	3 Jun 2026
Nippon India Flexi Cap Fund - Direct Plan - Growth Plan - Growth Option	Nippon India	₹17.0211	3 Jun 2026
SBI Flexicap Fund - DIRECT PLAN - Growth Option	SBI	₹117.4238	2 Jun 2026
ICICI Prudential Flexicap Fund - Direct Plan - Growth	ICICI Prudential	₹19.8000	3 Jun 2026
Invesco India Flexi Cap Fund - Direct Plan - Growth	Invesco	₹19.0200	3 Jun 2026
BANDHAN Flexi Cap Fund-Direct Plan-Growth	Bandhan	₹222.6510	3 Jun 2026
quant Flexi Cap Fund - Growth Option-Direct Plan	Quant	₹118.9418	3 Jun 2026
Aditya Birla Sun Life Flexi Cap Fund - Growth - Direct Plan	Aditya Birla Sun Life	₹2,064.0200	3 Jun 2026
Motilal Oswal Flexi cap Fund Direct Plan-Growth Option	Motilal Oswal	₹63.2311	3 Jun 2026
Franklin India Flexi Cap Fund - Direct - Growth	Franklin India	₹1,722.7007	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹316.7484
2 Jun 2026	₹318.5932
1 Jun 2026	₹316.6460
29 May 2026	₹318.7890
27 May 2026	₹322.8923
26 May 2026	₹322.4721
25 May 2026	₹323.1225
22 May 2026	₹319.7150
21 May 2026	₹318.0282
20 May 2026	₹318.2488

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-Growth Option - Direct is ₹316.7484. It's a Flexi Cap Fund from UTI, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

UTI - Flexi Cap Fund-Growth Option - Direct 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-Growth Option - Direct 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-Growth Option - Direct has delivered a absolute return of -6.12% — -23.59 pp behind the Flexi Cap Fund category average of 17.47%. The fund ranks #87 of 89 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, UTI - Flexi Cap Fund-Growth Option - Direct has delivered a CAGR of 7.69% — -5.75 pp behind the Flexi Cap Fund category average of 13.44%. The fund ranks #67 of 74 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, UTI - Flexi Cap Fund-Growth Option - Direct has delivered a CAGR of 6.36% — -7.69 pp behind the Flexi Cap Fund category average of 14.05%. The fund ranks #32 of 32 in its category — the bottom (Q4) quartile.

₹1 lakh invested in UTI - Flexi Cap Fund-Growth Option - Direct exactly 10 years ago would be worth approximately ₹306,831 today — a multiplier of 3.07×, based on the 10-year CAGR of 11.86%. The category average over the same window would have grown ₹1 lakh to ₹382,239.

A ₹10,000 monthly SIP in UTI - Flexi Cap Fund-Growth Option - Direct over the last 5 years — total invested ₹600,000 — would be worth ₹671,237 today. That's an XIRR (money-weighted annualised return) of 4.43%.

A ₹10,000 monthly SIP for 10 years in UTI - Flexi Cap Fund-Growth Option - Direct = ₹1,200,000 invested. It would currently be worth ₹2,066,340 (multiplier 1.72×). XIRR: 10.47%. 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-Growth Option - Direct ranks #32 out of 32 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 14.05%; this fund delivered 6.36%.

The worst peak-to-trough decline UTI - Flexi Cap Fund-Growth Option - Direct 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-Growth Option - Direct averaged 14.50% (best 22.35%, worst 1.51%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.06 — weak risk-adjusted performance.

In calendar year 2025, UTI - Flexi Cap Fund-Growth Option - Direct returned 1.10% — lagging the Flexi Cap Fund category average of 3.69% by 2.59 pp. It ranked #30 of 39 in its category that year.

UTI - Flexi Cap Fund-Growth Option - Direct 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-Growth Option - Direct 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: 6.36%.

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