Should I invest in UTI Flexi Cap Fund?

We don't give personal investment advice. UTI Flexi Cap Fund - Regular 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: 25.9%. 5-year CAGR: 4.47%.

UTI

UTI Flexi Cap Fund - Regular Plan - IDCW

Latest NAV

₹207.7869

As of

24 Jul 2026

4,993 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	-0.07%	-0.03%	-0.03	55 / 75	Q3
1W	-1.25%	-0.56%	-0.69	49 / 74	Q3
2W	-0.69%	-0.70%	+0.01	38 / 73	Q3
1M	+1.60%	+0.17%	+1.44	17 / 72	Q1
3M	+7.50%	+4.82%	+2.68	17 / 71	Q1
6M	+3.02%	+8.69%	-5.68	44 / 71	Q3
YTD	-2.33%	+3.32%	-5.65	51 / 71	Q3
1Y	-4.38%	+14.62%	-19.00	56 / 65	Q4
2Y	+1.01%	+7.82%	-6.82	43 / 61	Q3
3Y	+7.71%	+10.87%	-3.16	42 / 55	Q4
4Y	+7.52%	+10.98%	-3.46	27 / 35	Q4
5Y	+4.47%	+10.36%	-5.89	31 / 33	Q4
7Y	+11.07%	+12.57%	-1.51	19 / 28	Q3
10Y	+9.33%	+10.08%	-0.75	17 / 28	Q3
Inception	+9.50%	+9.02%	+0.47	38 / 75	Q3

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	-2.33%	-2.59%	+0.26	15 / 27
2025	+0.46%	+2.13%	-1.68	21 / 27
2024	+14.48%	+17.60%	-3.12	19 / 27
2023	+19.68%	+25.30%	-5.62	23 / 27
2022	-15.72%	+0.84%	-16.56	32 / 32
2021	+29.67%	+25.14%	+4.53	21 / 46
2020	+27.80%	+13.07%	+14.73	6 / 50
2019	+8.17%	+4.14%	+4.03	17 / 61
2018	+1.36%	-7.56%	+8.91	3 / 36
2017	+25.41%	+31.98%	-6.57	27 / 36
2016	-2.64%	+1.09%	-3.73	31 / 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

+12.70%

236 windows

min -45.6% · max 92.3%

75% positive

3-Year rolling

+11.51%

211 windows

min -6.8% · max 30.3%

98% positive

5-Year rolling

+11.58%

186 windows

min -0.4% · max 20.8%

99% positive

7-Year rolling

+11.36%

163 windows

min 6.2% · max 20.3%

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

11.96%

3-year · annualised

Sharpe ratio

0.15

vs risk-free 6.5%

Sortino ratio

0.22

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 Flexi Cap Fund - Growth Plan	HDFC	₹2,006.6760	24 Jul 2026
SBI Flexicap Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹47.3403	24 Jul 2026
ICICI Prudential Flexicap Fund - Growth	ICICI Prudential	₹19.8000	24 Jul 2026
Franklin India Flexi Cap Fund - Growth	Franklin Templeton	₹1,575.2811	24 Jul 2026
Kotak Flexicap Fund - Growth	Kotak	₹84.0580	24 Jul 2026
HSBC Flexi Cap Fund - Regular Growth	HSBC	₹222.4477	24 Jul 2026
CANARA ROBECO FLEXICAP FUND - REGULAR PLAN - GROWTH OPTION	Canara Robeco	₹335.9000	24 Jul 2026
UTI - Flexi Cap Fund-Growth Option	UTI	₹314.2875	24 Jul 2026
Aditya Birla Sun Life Flexi Cap Fund - Growth - Regular Plan	Birla Sun Life	₹1,905.1400	24 Jul 2026
BANDHAN Flexi Cap Fund - Regular Plan - Growth	IDFC	₹207.8380	24 Jul 2026

Recent NAVs

Date	NAV
24 Jul 2026	₹207.7869
23 Jul 2026	₹207.9220
22 Jul 2026	₹209.3255
21 Jul 2026	₹210.9484
20 Jul 2026	₹210.6877
17 Jul 2026	₹210.4136
16 Jul 2026	₹210.6648
15 Jul 2026	₹209.6690
14 Jul 2026	₹208.4480
13 Jul 2026	₹209.4515

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 24 Jul 2026, the NAV of UTI Flexi Cap Fund - Regular Plan - IDCW is ₹207.7869. 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 Flexi Cap Fund - Regular Plan - IDCW has NAV history starting from 03 Apr 2006, a track record of about 20 years 3 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 Flexi Cap Fund - Regular 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 - Regular Plan - IDCW has delivered a absolute return of -4.38% — -19 pp behind the Flexi Cap Fund category average of 14.62%. The fund ranks #56 of 65 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, UTI Flexi Cap Fund - Regular Plan - IDCW has delivered a CAGR of 7.71% — -3.16 pp behind the Flexi Cap Fund category average of 10.87%. The fund ranks #42 of 55 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, UTI Flexi Cap Fund - Regular Plan - IDCW has delivered a CAGR of 4.47% — -5.89 pp behind the Flexi Cap Fund category average of 10.36%. The fund ranks #31 of 33 in its category — the bottom (Q4) quartile.

₹1 lakh invested in UTI Flexi Cap Fund - Regular Plan - IDCW exactly 10 years ago would be worth approximately ₹244,082 today — a multiplier of 2.44×, based on the 10-year CAGR of 9.33%. The category average over the same window would have grown ₹1 lakh to ₹261,333.

A ₹10,000 monthly SIP in UTI Flexi Cap Fund - Regular Plan - IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹694,029 today. That's an XIRR (money-weighted annualised return) of 5.76%.

A ₹10,000 monthly SIP for 10 years in UTI Flexi Cap Fund - Regular Plan - IDCW = ₹1,200,000 invested. It would currently be worth ₹1,929,362 (multiplier 1.61×). XIRR: 9.18%. 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 - Regular Plan - IDCW ranks #31 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 10.36%; this fund delivered 4.47%.

The worst peak-to-trough decline UTI Flexi Cap Fund - Regular Plan - IDCW 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 Flexi Cap Fund - Regular Plan - IDCW averaged 11.58% (best 20.84%, worst -0.43%). 99% of rolling windows ended positive. The 5-year Sharpe ratio is -0.09 — negative risk-adjusted performance.

In calendar year 2025, UTI Flexi Cap Fund - Regular Plan - IDCW returned 0.46% — lagging the Flexi Cap Fund category average of 2.13% by 1.68 pp. It ranked #21 of 27 in its category that year.

UTI Flexi Cap Fund - Regular 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 - Regular 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: 25.9%. 5-year CAGR: 4.47%.

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