Should I invest in UTI Focussed Equity Fund - Series IV (1104 Days)?

We don't give personal investment advice. UTI Focussed Equity Fund - Series IV (1104 Days) - Direct Plan - 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.

UTI

UTI Focussed Equity Fund - Series IV (1104 Days) - Direct Plan - Growth Option

Latest NAV

₹10.6409

As of

6 Oct 2020

742 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	+0.01%	+0.11%	-0.10	55 / 104	Q3
1W	+0.14%	-0.67%	+0.82	25 / 103	Q1
2W	+0.33%	+0.04%	+0.29	39 / 102	Q2
1M	+0.65%	+0.32%	+0.34	36 / 101	Q2
3M	+8.58%	+3.68%	+4.90	21 / 100	Q1
6M	+29.99%	+6.18%	+23.81	6 / 99	Q1
YTD	-2.04%	+2.47%	-4.51	55 / 99	Q3
1Y	+12.72%	+17.47%	-4.75	34 / 89	Q2
2Y	+9.88%	+10.45%	-0.57	39 / 84	Q2
3Y	+1.96%	+13.44%	-11.48	72 / 74	Q4
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+2.05%	+11.11%	-9.06	94 / 104	Q4

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
2020 YTD	-2.04%	+15.92%	-17.96	58 / 58
2019	+13.45%	+7.18%	+6.27	8 / 69
2018	-10.84%	-5.07%	-5.77	31 / 34
2017	—	—	—	—

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

+0.76%

25 windows

min -14.6% · max 21.7%

52% positive

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

3-Year rolling

+1.96%

1 window

min 2.0% · max 2.0%

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

20.34%

3-year · annualised

Sharpe ratio

-0.12

vs risk-free 6.5%

Sortino ratio

-0.15

Downside-only deviation

Max drawdown

-36.58%

Feb 2020 → Mar 2020

% positive months

58.3%

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
6 Oct 2020	₹10.6409
5 Oct 2020	₹10.6400
1 Oct 2020	₹10.6365
30 Sep 2020	₹10.6163
29 Sep 2020	₹10.6257
28 Sep 2020	₹10.6543
25 Sep 2020	₹10.5333
24 Sep 2020	₹10.3856
23 Sep 2020	₹10.5636
22 Sep 2020	₹10.6054

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 06 Oct 2020, the NAV of UTI Focussed Equity Fund - Series IV (1104 Days) - Direct Plan - Growth Option is ₹10.6409. 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 Focussed Equity Fund - Series IV (1104 Days) - Direct Plan - Growth Option has NAV history starting from 29 Sep 2017, a track record of about 8 years 8 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 Focussed Equity Fund - Series IV (1104 Days) - Direct Plan - 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 Focussed Equity Fund - Series IV (1104 Days) - Direct Plan - Growth Option has delivered a absolute return of 12.72% — -4.75 pp behind the Flexi Cap Fund category average of 17.47%. The fund ranks #34 of 89 in its category — the second (Q2) quartile.

Over the trailing 3-year window, UTI Focussed Equity Fund - Series IV (1104 Days) - Direct Plan - Growth Option has delivered a CAGR of 1.96% — -11.48 pp behind the Flexi Cap Fund category average of 13.44%. The fund ranks #72 of 74 in its category — the bottom (Q4) quartile.

UTI Focussed Equity Fund - Series IV (1104 Days) - Direct Plan - Growth Option doesn't have a complete 5-year window yet (we need at least 5 year of NAVs). Check the shorter-window returns above.

₹1 lakh invested in UTI Focussed Equity Fund - Series IV (1104 Days) - Direct Plan - Growth Option exactly 3 years ago would be worth approximately ₹105,991 today — a multiplier of 1.06×, based on the 3-year CAGR of 1.96%. The category average over the same window would have grown ₹1 lakh to ₹145,991.

A ₹10,000 monthly SIP in UTI Focussed Equity Fund - Series IV (1104 Days) - Direct Plan - Growth Option over the last 3 years — total invested ₹360,000 — would be worth ₹391,029 today. That's an XIRR (money-weighted annualised return) of 5.43%.

UTI Focussed Equity Fund - Series IV (1104 Days) - Direct Plan - Growth Option doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹391,029 — XIRR 5.43%.

On a 3-year basis, UTI Focussed Equity Fund - Series IV (1104 Days) - Direct Plan - Growth Option ranks #72 out of 74 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 13.44%; this fund delivered 1.96%.

The worst peak-to-trough decline UTI Focussed Equity Fund - Series IV (1104 Days) - Direct Plan - Growth Option has experienced over the last 3-year window is 36.58% — its NAV fell from a high on 20 Feb 2020 to a low on 23 Mar 2020. 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 Focussed Equity Fund - Series IV (1104 Days) - Direct Plan - Growth Option averaged 1.96% (best 1.96%, worst 1.96%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is -0.12 — negative risk-adjusted performance.

In calendar year 2019, UTI Focussed Equity Fund - Series IV (1104 Days) - Direct Plan - Growth Option returned 13.45% — beating the Flexi Cap Fund category average of 7.18% by 6.27 pp. It ranked #8 of 69 in its category that year.

UTI Focussed Equity Fund - Series IV (1104 Days) - Direct Plan - 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 Focussed Equity Fund - Series IV (1104 Days) - Direct Plan - 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.

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