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) - Regular Plan - Dividend 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) - Regular Plan - Dividend Option

Latest NAV

₹10.2531

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%	+0.25%	-0.24	30 / 37	Q4
1W	+0.14%	-1.28%	+1.42	2 / 37	Q1
2W	+0.32%	+0.28%	+0.04	20 / 37	Q3
1M	+0.62%	-0.31%	+0.94	6 / 37	Q1
3M	+8.49%	-0.58%	+9.06	3 / 37	Q1
6M	+29.76%	-2.98%	+32.74	2 / 36	Q1
YTD	-2.30%	-4.71%	+2.41	13 / 36	Q2
1Y	+12.32%	+2.50%	+9.83	5 / 33	Q1
2Y	+9.17%	+2.46%	+6.71	4 / 33	Q1
3Y	+0.72%	+9.45%	-8.73	28 / 29	Q4
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+0.81%	+8.61%	-7.80	35 / 37	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	-2.30%	+11.34%	-13.64	17 / 17
2019	+12.73%	+9.92%	+2.81	7 / 16
2018	-12.77%	-11.90%	-0.87	4 / 8
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

-0.34%

25 windows

min -14.9% · max 21.0%

44% positive

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

3-Year rolling

+0.72%

1 window

min 0.7% · max 0.7%

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

20.35%

3-year · annualised

Sharpe ratio

-0.18

vs risk-free 6.5%

Sortino ratio

-0.22

Downside-only deviation

Max drawdown

-36.60%

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
Nippon India Flexi Cap Fund - Regular Plan - IDCW Option	Nippon India	₹15.9186	3 Jun 2026
Invesco India Flexi Cap Fund - Regular Plan - IDCW	Invesco	₹15.8400	3 Jun 2026
Motilal Oswal Flexi cap Fund Regular - IDCW Payout/Reinvestment	Motilal Oswal	₹29.7444	3 Jun 2026
Mirae Asset Flexi Cap Fund - Regular Plan - IDCW	Mirae Asset	₹15.4630	3 Jun 2026
Parag Parikh Flexi Cap Fund - Regular Plan - IDCW	Parag Parikh	₹81.9363	2 Jun 2026
Edelweiss Flexi Cap Fund - Regular - IDCW Option	Edelweiss	₹30.6060	2 Jun 2026
Baroda BNP Paribas Flexi Cap Fund - Regular Plan - IDCW Option	Baroda BNP Paribas	₹12.8419	3 Jun 2026
PGIM India Flexi Cap Fund - Regular Plan - Dividend Option	PGIM India	₹16.9800	3 Jun 2026
Axis Flexi Cap Fund - Regular Plan - IDCW	Axis	₹16.1100	3 Jun 2026
360 ONE FLEXICAP FUND-REGULAR PLAN- IDCW	360 ONE	₹14.8502	3 Jun 2026

Recent NAVs

Date	NAV
6 Oct 2020	₹10.2531
5 Oct 2020	₹10.2523
1 Oct 2020	₹10.2493
30 Sep 2020	₹10.2299
29 Sep 2020	₹10.2391
28 Sep 2020	₹10.2668
25 Sep 2020	₹10.1504
24 Sep 2020	₹10.0082
23 Sep 2020	₹10.1798
22 Sep 2020	₹10.2202

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) - Regular Plan - Dividend Option is ₹10.2531. It's a Flexi Cap Fund from UTI, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

UTI Focussed Equity Fund - Series IV (1104 Days) - Regular Plan - Dividend 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) - Regular Plan - Dividend 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) - Regular Plan - Dividend Option has delivered a absolute return of 12.32% — +9.83 pp ahead of the Flexi Cap Fund category average of 2.50%. The fund ranks #5 of 33 in its category — the top (Q1) quartile.

Over the trailing 3-year window, UTI Focussed Equity Fund - Series IV (1104 Days) - Regular Plan - Dividend Option has delivered a CAGR of 0.72% — -8.73 pp behind the Flexi Cap Fund category average of 9.45%. The fund ranks #28 of 29 in its category — the bottom (Q4) quartile.

UTI Focussed Equity Fund - Series IV (1104 Days) - Regular Plan - Dividend 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) - Regular Plan - Dividend Option exactly 3 years ago would be worth approximately ₹102,186 today — a multiplier of 1.02×, based on the 3-year CAGR of 0.72%. The category average over the same window would have grown ₹1 lakh to ₹131,127.

A ₹10,000 monthly SIP in UTI Focussed Equity Fund - Series IV (1104 Days) - Regular Plan - Dividend Option over the last 3 years — total invested ₹360,000 — would be worth ₹386,588 today. That's an XIRR (money-weighted annualised return) of 4.67%.

UTI Focussed Equity Fund - Series IV (1104 Days) - Regular Plan - Dividend Option doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹386,588 — XIRR 4.67%.

On a 3-year basis, UTI Focussed Equity Fund - Series IV (1104 Days) - Regular Plan - Dividend Option ranks #28 out of 29 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 9.45%; this fund delivered 0.72%.

The worst peak-to-trough decline UTI Focussed Equity Fund - Series IV (1104 Days) - Regular Plan - Dividend Option has experienced over the last 3-year window is 36.60% — 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) - Regular Plan - Dividend Option averaged 0.72% (best 0.72%, worst 0.72%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is -0.18 — negative risk-adjusted performance.

In calendar year 2019, UTI Focussed Equity Fund - Series IV (1104 Days) - Regular Plan - Dividend Option returned 12.73% — beating the Flexi Cap Fund category average of 9.92% by 2.81 pp. It ranked #7 of 16 in its category that year.

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