Should I invest in UTI Healthcare Fund?

We don't give personal investment advice. UTI Healthcare Fund - Direct 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: 21.1%. 5-year CAGR: 14.86%.

UTI

UTI Healthcare Fund - Direct Plan - IDCW

Latest NAV

₹267.4429

As of

3 Jun 2026

3,300 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	-0.10%	+0.27%	-0.37	189 / 249	Q4
1W	-2.07%	-1.33%	-0.74	178 / 249	Q3
2W	-1.88%	-0.44%	-1.45	227 / 251	Q4
1M	+2.49%	-0.98%	+3.47	38 / 251	Q1
3M	+7.91%	+0.91%	+7.00	45 / 249	Q1
6M	+5.56%	-3.35%	+8.92	45 / 241	Q1
YTD	+7.18%	-3.40%	+10.58	27 / 241	Q1
1Y	+10.88%	+2.11%	+8.77	41 / 225	Q1
2Y	+17.81%	+1.79%	+16.03	7 / 181	Q1
3Y	+26.78%	+12.30%	+14.47	5 / 142	Q1
4Y	+22.10%	+11.74%	+10.36	9 / 122	Q1
5Y	+14.86%	+8.93%	+5.93	24 / 111	Q1
7Y	+22.14%	+13.08%	+9.05	5 / 92	Q1
10Y	+14.54%	+12.03%	+2.52	26 / 77	Q2
Inception	+15.90%	+8.52%	+7.38	45 / 251	Q1

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	+7.18%	-2.64%	+9.83	26 / 237
2025	-2.38%	+1.49%	-3.87	133 / 204
2024	+43.29%	+20.10%	+23.19	6 / 158
2023	+40.84%	+30.21%	+10.63	22 / 131
2022	-11.30%	+1.48%	-12.78	100 / 119
2021	+19.46%	+31.54%	-12.08	78 / 106
2020	+68.04%	+19.90%	+48.14	3 / 95
2019	+1.98%	+6.43%	-4.45	58 / 87
2018	-6.32%	-9.17%	+2.84	33 / 78
2017	+6.51%	+32.45%	-25.94	72 / 77
2016	-9.05%	+2.96%	-12.01	68 / 77

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

+18.47%

152 windows

min -16.7% · max 81.0%

70% positive

3-Year rolling

+14.54%

127 windows

min -6.2% · max 27.9%

83% positive

5-Year rolling

+13.73%

103 windows

min -4.1% · max 31.9%

97% positive

7-Year rolling

+13.97%

79 windows

min 6.7% · max 22.1%

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

15.77%

3-year · annualised

Sharpe ratio

1.19

vs risk-free 6.5%

Sortino ratio

2.30

Downside-only deviation

Max drawdown

-15.88%

Jan 2025 → Mar 2025

% 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 Sectoral/Thematic Fund

Scheme	Fund house	NAV	As of
HDFC Banking & Financial Services Fund - IDCW Option - Direct Plan	HDFC	₹15.9390	3 Jun 2026
NIPPON INDIA - JAPAN EQUITY FUND - DIRECT Plan - IDCW Option	Nippon India	₹31.2458	3 Jun 2026
SBI Automotive Opportunities Fund - Direct Plan - Income Distribution Cum Capital Withdrawal Option	SBI	₹11.7560	3 Jun 2026
ICICI Prudential Banking and Financial Services Fund - Direct Plan - IDCW	ICICI Prudential	₹64.9400	3 Jun 2026
Invesco India Business Cycle Fund - Direct Plan - IDCW	Invesco	₹13.3100	3 Jun 2026
Bandhan Business Cycle Fund - Direct Plan - IDCW	Bandhan	₹9.6290	3 Jun 2026
quant BFSI Fund - IDCW Option - Direct Plan	Quant	₹20.2732	3 Jun 2026
Aditya Birla Sun Life Banking and Financial Services Fund - DIRECT - IDCW	Aditya Birla Sun Life	₹29.4200	3 Jun 2026
Motilal Oswal Active Momentum Fund- Direct-IDCW	Motilal Oswal	₹13.3281	3 Jun 2026
Franklin India Multi-Factor Fund- Direct- IDCW	Franklin India	₹9.3581	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹267.4429
2 Jun 2026	₹267.1203
1 Jun 2026	₹267.3939
29 May 2026	₹269.9587
27 May 2026	₹272.3067
26 May 2026	₹272.7729
25 May 2026	₹272.6624
22 May 2026	₹271.2868
21 May 2026	₹273.3784
20 May 2026	₹272.5704

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 Healthcare Fund - Direct Plan - IDCW is ₹267.4429. It's a Sectoral/Thematic Fund from UTI, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

UTI Healthcare Fund - Direct Plan - IDCW 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 Healthcare Fund - Direct Plan - IDCW is managed by UTI. It's classified by AMFI under the 'Sectoral/Thematic Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, UTI Healthcare Fund - Direct Plan - IDCW has delivered a absolute return of 10.88% — +8.77 pp ahead of the Sectoral/Thematic Fund category average of 2.11%. The fund ranks #41 of 225 in its category — the top (Q1) quartile.

Over the trailing 3-year window, UTI Healthcare Fund - Direct Plan - IDCW has delivered a CAGR of 26.78% — +14.47 pp ahead of the Sectoral/Thematic Fund category average of 12.30%. The fund ranks #5 of 142 in its category — the top (Q1) quartile.

Over the trailing 5-year window, UTI Healthcare Fund - Direct Plan - IDCW has delivered a CAGR of 14.86% — +5.93 pp ahead of the Sectoral/Thematic Fund category average of 8.93%. The fund ranks #24 of 111 in its category — the top (Q1) quartile.

₹1 lakh invested in UTI Healthcare Fund - Direct Plan - IDCW exactly 10 years ago would be worth approximately ₹388,828 today — a multiplier of 3.89×, based on the 10-year CAGR of 14.54%. The category average over the same window would have grown ₹1 lakh to ₹311,351.

A ₹10,000 monthly SIP in UTI Healthcare Fund - Direct Plan - IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹953,926 today. That's an XIRR (money-weighted annualised return) of 18.59%.

A ₹10,000 monthly SIP for 10 years in UTI Healthcare Fund - Direct Plan - IDCW = ₹1,200,000 invested. It would currently be worth ₹3,099,758 (multiplier 2.58×). XIRR: 18.04%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, UTI Healthcare Fund - Direct Plan - IDCW ranks #24 out of 111 funds in the Sectoral/Thematic Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 8.93%; this fund delivered 14.86%.

The worst peak-to-trough decline UTI Healthcare Fund - Direct Plan - IDCW has experienced over the last 5-year window is 21.06% — its NAV fell from a high on 04 Oct 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 Healthcare Fund - Direct Plan - IDCW averaged 13.73% (best 31.86%, worst -4.10%). 97% of rolling windows ended positive. The 5-year Sharpe ratio is 0.56 — reasonable risk-adjusted performance.

In calendar year 2025, UTI Healthcare Fund - Direct Plan - IDCW returned -2.38% — lagging the Sectoral/Thematic Fund category average of 1.49% by 3.87 pp. It ranked #133 of 204 in its category that year.

UTI Healthcare Fund - Direct 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 Healthcare Fund - Direct 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: 21.1%. 5-year CAGR: 14.86%.

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