Should I invest in UTI India Consumer Fund?

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

UTI

UTI India Consumer Fund - Direct Plan - IDCW

Latest NAV

₹51.4104

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	38 / 249	Q1
1W	-1.76%	-1.33%	-0.43	152 / 249	Q3
2W	-0.87%	-0.44%	-0.43	179 / 251	Q3
1M	-2.36%	-0.98%	-1.38	189 / 251	Q4
3M	-2.16%	+0.91%	-3.07	174 / 249	Q3
6M	-9.72%	-3.35%	-6.36	194 / 241	Q4
YTD	-8.92%	-3.40%	-5.52	189 / 241	Q4
1Y	-2.95%	+2.11%	-5.06	160 / 225	Q3
2Y	+1.78%	+1.79%	-0.01	87 / 181	Q2
3Y	+10.60%	+12.30%	-1.71	92 / 142	Q3
4Y	+11.41%	+11.74%	-0.33	78 / 122	Q3
5Y	+10.82%	+8.93%	+1.90	51 / 111	Q2
7Y	+11.06%	+13.08%	-2.02	60 / 92	Q3
10Y	+10.67%	+12.03%	-1.36	48 / 77	Q3
Inception	+10.08%	+8.52%	+1.56	125 / 251	Q2

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%	-2.64%	-6.27	187 / 237
2025	+4.36%	+1.49%	+2.87	69 / 204
2024	+21.49%	+20.10%	+1.39	62 / 158
2023	+23.90%	+30.21%	-6.30	92 / 131
2022	-1.67%	+1.48%	-3.16	77 / 119
2021	+18.92%	+31.54%	-12.62	80 / 106
2020	+15.74%	+19.90%	-4.15	42 / 95
2019	+6.60%	+6.43%	+0.17	37 / 87
2018	-1.21%	-9.17%	+7.95	24 / 78
2017	+32.40%	+32.45%	-0.05	39 / 77
2016	+3.43%	+2.96%	+0.47	32 / 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

+12.67%

152 windows

min -23.5% · max 52.2%

78% positive

3-Year rolling

+10.98%

127 windows

min -2.3% · max 19.0%

99% positive

5-Year rolling

+10.90%

103 windows

min -0.6% · max 19.9%

99% positive

7-Year rolling

+10.44%

79 windows

min 6.6% · max 14.0%

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 - 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	₹51.4104
2 Jun 2026	₹51.5570
1 Jun 2026	₹51.1814
29 May 2026	₹51.8183
27 May 2026	₹52.7316
26 May 2026	₹52.4808
25 May 2026	₹52.6115
22 May 2026	₹52.0852
21 May 2026	₹51.9608
20 May 2026	₹52.0296

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 - IDCW is ₹51.4104. 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 India Consumer 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 India Consumer 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 India Consumer Fund - Direct Plan - IDCW has delivered a absolute return of -2.95% — -5.06 pp behind the Sectoral/Thematic Fund category average of 2.11%. The fund ranks #160 of 225 in its category — the third (Q3) quartile.

Over the trailing 3-year window, UTI India Consumer Fund - Direct Plan - IDCW has delivered a CAGR of 10.60% — -1.71 pp behind the Sectoral/Thematic Fund category average of 12.30%. The fund ranks #92 of 142 in its category — the third (Q3) quartile.

Over the trailing 5-year window, UTI India Consumer Fund - Direct Plan - IDCW has delivered a CAGR of 10.82% — +1.9 pp ahead of the Sectoral/Thematic Fund category average of 8.93%. The fund ranks #51 of 111 in its category — the second (Q2) quartile.

₹1 lakh invested in UTI India Consumer Fund - Direct Plan - IDCW exactly 10 years ago would be worth approximately ₹275,503 today — a multiplier of 2.76×, based on the 10-year CAGR of 10.67%. The category average over the same window would have grown ₹1 lakh to ₹311,351.

A ₹10,000 monthly SIP in UTI India Consumer Fund - Direct Plan - IDCW 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 - IDCW = ₹1,200,000 invested. It would currently be worth ₹2,021,338 (multiplier 1.68×). XIRR: 10.06%. 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 - IDCW ranks #51 out of 111 funds in the Sectoral/Thematic Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 8.93%; this fund delivered 10.82%.

The worst peak-to-trough decline UTI India Consumer Fund - Direct Plan - IDCW 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 - IDCW averaged 10.90% (best 19.91%, worst -0.62%). 99% 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 - IDCW returned 4.36% — beating the Sectoral/Thematic Fund category average of 1.49% by 2.87 pp. It ranked #69 of 204 in its category that year.

UTI India Consumer 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 India Consumer 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: 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.