Should I invest in UTI Focused Fund?

We don't give personal investment advice. UTI Focused Fund - Regular Plan - IDCW Payout 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. 5-year CAGR: 8.90%.

UTI

UTI Focused Fund - Regular Plan - IDCW Payout Option

Latest NAV

₹15.3216

As of

17 Jul 2026

1,204 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	+0.81%	+0.29%	+0.52	2 / 19	Q1
1W	+0.27%	-0.14%	+0.40	4 / 19	Q1
2W	+0.49%	+0.25%	+0.24	8 / 19	Q2
1M	+2.01%	+1.48%	+0.53	10 / 19	Q3
3M	+2.01%	+3.38%	-1.36	13 / 19	Q3
6M	-2.36%	-1.94%	-0.42	9 / 19	Q2
YTD	-3.64%	-3.53%	-0.11	8 / 19	Q2
1Y	-1.24%	-3.18%	+1.94	7 / 19	Q2
2Y	-0.97%	-2.26%	+1.29	9 / 19	Q2
3Y	+10.22%	+8.02%	+2.21	6 / 18	Q2
4Y	+12.44%	+9.48%	+2.96	7 / 16	Q2
5Y	+8.90%	+7.17%	+1.73	7 / 14	Q2
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+9.10%	+10.38%	-1.28	14 / 19	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	-3.64%	-3.53%	-0.11	8 / 19
2025	+6.10%	-0.22%	+6.31	4 / 19
2024	+12.89%	+15.57%	-2.68	12 / 18
2023	+28.36%	+21.71%	+6.65	4 / 16
2022	-0.41%	-4.34%	+3.93	7 / 14
2021	—	—	—	—

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

+13.01%

48 windows

min -6.0% · max 43.1%

79% positive

Limited basis — fund is young, so this average may be skewed by which 1Y windows happen to be available.

3-Year rolling

+14.88%

24 windows

min 10.2% · max 19.7%

100% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

—

Insufficient history

7-Year rolling

—

Insufficient history

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

12.84%

3-year · annualised

Sharpe ratio

0.31

vs risk-free 6.5%

Sortino ratio

0.48

Downside-only deviation

Max drawdown

-19.77%

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 Focused Fund

Scheme	Fund house	NAV	As of
Invesco India Focused Fund - Regular Plan - IDCW (Payout / Reinvestment)	Invesco	₹20.7700	17 Jul 2026
Motilal Oswal Focused Fund Regular - IDCW Payout/Reinvestment	Motilal Oswal	₹20.4418	17 Jul 2026
Mirae Asset Focused Fund Regular IDCW	Mirae Asset	₹22.6100	17 Jul 2026
Kotak Focused Fund- Regular Plan-Income Distribution cum capital withdrawal option	Kotak	₹27.4700	17 Jul 2026
Edelweiss Focused Fund - Regular Plan - IDCW	Edelweiss	₹14.9980	17 Jul 2026
DSP Focused Fund - Regular Plan - IDCW	DSP	₹20.5640	17 Jul 2026
HSBC Focused Fund - Regular IDCW	HSBC	₹18.7184	17 Jul 2026
BARODA BNP PARIBAS Focused Fund - Regular Plan - IDCW Option	Baroda BNP Paribas	₹13.8469	17 Jul 2026
Canara Robeco Focused Fund - Regular Plan - IDCW (Payout/Reinvestment)	Canara Robeco	₹17.5000	17 Jul 2026
Axis Focused Fund - Regular Plan - IDCW	Axis	₹17.8900	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹15.3216
16 Jul 2026	₹15.1983
15 Jul 2026	₹15.2415
14 Jul 2026	₹15.1859
13 Jul 2026	₹15.2774
10 Jul 2026	₹15.2809
9 Jul 2026	₹15.1338
8 Jul 2026	₹15.0535
7 Jul 2026	₹15.3496
6 Jul 2026	₹15.3372

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 17 Jul 2026, the NAV of UTI Focused Fund - Regular Plan - IDCW Payout Option is ₹15.3216. It's a Focused Fund from UTI, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

UTI Focused Fund - Regular Plan - IDCW Payout Option has NAV history starting from 26 Aug 2021, a track record of about 4 years 10 months. It's a relatively new scheme. With under 5 years of NAVs, peer comparison is the best yardstick — point-to-point returns can be skewed by entry timing.

UTI Focused Fund - Regular Plan - IDCW Payout Option is managed by UTI. It's classified by AMFI under the 'Focused Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, UTI Focused Fund - Regular Plan - IDCW Payout Option has delivered a absolute return of -1.24% — +1.94 pp ahead of the Focused Fund category average of -3.18%. The fund ranks #7 of 19 in its category — the second (Q2) quartile.

Over the trailing 3-year window, UTI Focused Fund - Regular Plan - IDCW Payout Option has delivered a CAGR of 10.22% — +2.21 pp ahead of the Focused Fund category average of 8.02%. The fund ranks #6 of 18 in its category — the second (Q2) quartile.

Over the trailing 5-year window, UTI Focused Fund - Regular Plan - IDCW Payout Option has delivered a CAGR of 8.90% — +1.73 pp ahead of the Focused Fund category average of 7.17%. The fund ranks #7 of 14 in its category — the second (Q2) quartile.

₹1 lakh invested in UTI Focused Fund - Regular Plan - IDCW Payout Option exactly 5 years ago would be worth approximately ₹153,132 today — a multiplier of 1.53×, based on the 5-year CAGR of 8.90%. The category average over the same window would have grown ₹1 lakh to ₹141,362.

A ₹10,000 monthly SIP in UTI Focused Fund - Regular Plan - IDCW Payout Option over the last 3 years — total invested ₹360,000 — would be worth ₹385,101 today. That's an XIRR (money-weighted annualised return) of 4.43%.

UTI Focused Fund - Regular Plan - IDCW Payout Option doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹385,101 — XIRR 4.43%.

On a 5-year basis, UTI Focused Fund - Regular Plan - IDCW Payout Option ranks #7 out of 14 funds in the Focused Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 7.17%; this fund delivered 8.90%.

The worst peak-to-trough decline UTI Focused Fund - Regular Plan - IDCW Payout Option has experienced over the last 3-year window is 19.77% — its NAV fell from a high on 26 Sep 2024 to a low on 31 Mar 2026. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 3-year rolling windows, UTI Focused Fund - Regular Plan - IDCW Payout Option averaged 14.88% (best 19.72%, worst 10.22%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is 0.31 — weak risk-adjusted performance.

In calendar year 2025, UTI Focused Fund - Regular Plan - IDCW Payout Option returned 6.10% — beating the Focused Fund category average of -0.22% by 6.31 pp. It ranked #4 of 19 in its category that year.

UTI Focused Fund - Regular Plan - IDCW Payout 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 Focused Fund - Regular Plan - IDCW Payout 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. 5-year CAGR: 8.90%.

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