Should I invest in UTI India Consumer Fund?

We don't give personal investment advice. UTI India Consumer Fund - 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. Worst 5-year drawdown: 23.3%. 5-year CAGR: 10.82%.

UTI

UTI India Consumer Fund - Direct Plan - Growth Option

Latest NAV

₹58.5616

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	+0.73%	+0.27%	+0.46	42 / 258	Q1
1W	-1.76%	-1.34%	-0.42	156 / 258	Q3
2W	-0.87%	+0.04%	-0.91	186 / 259	Q3
1M	-2.36%	-0.39%	-1.97	200 / 259	Q4
3M	-2.16%	+2.19%	-4.36	192 / 257	Q3
6M	-9.72%	-1.09%	-8.62	223 / 247	Q4
YTD	-8.92%	-1.30%	-7.62	217 / 247	Q4
1Y	-2.95%	+5.02%	-7.97	191 / 230	Q4
2Y	+1.78%	+5.50%	-3.72	132 / 182	Q3
3Y	+10.60%	+16.94%	-6.34	120 / 139	Q4
4Y	+11.41%	+16.57%	-5.16	106 / 119	Q4
5Y	+10.82%	+13.73%	-2.90	85 / 109	Q4
7Y	+12.11%	+16.42%	-4.31	75 / 91	Q4
10Y	+11.40%	+15.07%	-3.68	71 / 76	Q4
Inception	+11.16%	+10.45%	+0.71	153 / 259	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	-8.92%	-0.94%	-7.98	215 / 244
2025	+4.36%	+4.41%	-0.05	90 / 208
2024	+21.49%	+23.18%	-1.69	80 / 155
2023	+23.90%	+33.51%	-9.61	106 / 127
2022	-1.67%	+4.32%	-6.00	81 / 116
2021	+27.01%	+34.43%	-7.42	65 / 104
2020	+15.74%	+21.19%	-5.45	44 / 94
2019	+6.60%	+9.30%	-2.70	45 / 85
2018	-1.21%	-5.36%	+4.14	30 / 77
2017	+32.40%	+35.61%	-3.21	50 / 76
2016	+3.43%	+4.98%	-1.55	39 / 76

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

+13.89%

152 windows

min -18.4% · max 57.0%

80% positive

3-Year rolling

+12.31%

127 windows

min -2.3% · max 21.6%

99% positive

5-Year rolling

+12.23%

103 windows

min 0.7% · max 21.5%

100% positive

7-Year rolling

+11.72%

79 windows

min 7.6% · max 15.1%

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

15.40%

3-year · annualised

Sharpe ratio

0.31

vs risk-free 6.5%

Sortino ratio

0.44

Downside-only deviation

Max drawdown

-23.28%

Sep 2024 → Mar 2025

% positive months

69.4%

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 - Growth Option - Direct Plan	HDFC	₹18.0340	3 Jun 2026
Nippon India Active Momentum Fund-Direct Plan - Growth Option	Nippon India	₹12.1791	3 Jun 2026
SBI Automotive Opportunities Fund - Direct Plan - Growth	SBI	₹11.7563	3 Jun 2026
ICICI Prudential Active Momentum Fund - Direct Plan - Growth	ICICI Prudential	₹10.6800	3 Jun 2026
Invesco India Business Cycle Fund - Direct Plan - Growth	Invesco	₹13.3000	3 Jun 2026
Bandhan Business Cycle Fund - Direct Plan - Growth	Bandhan	₹9.6290	3 Jun 2026
quant BFSI Fund - Growth Option - Direct Plan	Quant	₹20.2506	3 Jun 2026
QUANTUM ESG BEST IN CLASS STRATEGY FUND - DIRECT PLAN - GROWTH OPTION	Quantum	₹23.5100	3 Jun 2026
Aditya Birla Sun Life Banking and Financial Services Fund - Direct Plan - Growth	Aditya Birla Sun Life	₹66.7400	3 Jun 2026
Motilal Oswal Active Momentum Fund- Direct-Growth	Motilal Oswal	₹13.3284	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹58.5616
2 Jun 2026	₹58.7285
1 Jun 2026	₹58.3007
29 May 2026	₹59.0262
27 May 2026	₹60.0665
26 May 2026	₹59.7808
25 May 2026	₹59.9297
22 May 2026	₹59.3302
21 May 2026	₹59.1884
20 May 2026	₹59.2669

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 India Consumer Fund - Direct Plan - Growth Option is ₹58.5616. It's a Sectoral/Thematic Fund from UTI, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

UTI India Consumer Fund - Direct Plan - Growth Option 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 India Consumer Fund - Direct Plan - Growth Option 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 India Consumer Fund - Direct Plan - Growth Option has delivered a absolute return of -2.95% — -7.97 pp behind the Sectoral/Thematic Fund category average of 5.02%. The fund ranks #191 of 230 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, UTI India Consumer Fund - Direct Plan - Growth Option has delivered a CAGR of 10.60% — -6.34 pp behind the Sectoral/Thematic Fund category average of 16.94%. The fund ranks #120 of 139 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, UTI India Consumer Fund - Direct Plan - Growth Option has delivered a CAGR of 10.82% — -2.9 pp behind the Sectoral/Thematic Fund category average of 13.73%. The fund ranks #85 of 109 in its category — the bottom (Q4) quartile.

₹1 lakh invested in UTI India Consumer Fund - Direct Plan - Growth Option exactly 10 years ago would be worth approximately ₹294,236 today — a multiplier of 2.94×, based on the 10-year CAGR of 11.40%. The category average over the same window would have grown ₹1 lakh to ₹407,181.

A ₹10,000 monthly SIP in UTI India Consumer Fund - Direct Plan - Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹727,995 today. That's an XIRR (money-weighted annualised return) of 7.66%.

A ₹10,000 monthly SIP for 10 years in UTI India Consumer Fund - Direct Plan - Growth Option = ₹1,200,000 invested. It would currently be worth ₹2,106,886 (multiplier 1.76×). XIRR: 10.84%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, UTI India Consumer Fund - Direct Plan - Growth Option ranks #85 out of 109 funds in the Sectoral/Thematic Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 13.73%; this fund delivered 10.82%.

The worst peak-to-trough decline UTI India Consumer Fund - Direct Plan - Growth Option has experienced over the last 5-year window is 23.28% — its NAV fell from a high on 26 Sep 2024 to a low on 04 Mar 2025. 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 India Consumer Fund - Direct Plan - Growth Option averaged 12.23% (best 21.50%, worst 0.67%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.35 — weak risk-adjusted performance.

In calendar year 2025, UTI India Consumer Fund - Direct Plan - Growth Option returned 4.36% — lagging the Sectoral/Thematic Fund category average of 4.41% by 0.05 pp. It ranked #90 of 208 in its category that year.

UTI India Consumer Fund - 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 India Consumer Fund - 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. Worst 5-year drawdown: 23.3%. 5-year CAGR: 10.82%.

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