Should I invest in UTI India Consumer Fund?

We don't give personal investment advice. UTI India Consumer Fund - Regular 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: 24.0%. 5-year CAGR: 9.71%.

UTI

UTI India Consumer Fund - Regular Plan - IDCW

Latest NAV

₹49.6350

As of

24 Jul 2026

4,650 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	-0.62%	-0.24%	-0.37	110 / 122	Q4
1W	-0.29%	-1.20%	+0.92	18 / 122	Q1
2W	-0.89%	-1.38%	+0.49	47 / 122	Q2
1M	+1.51%	-0.33%	+1.85	27 / 122	Q1
3M	+3.60%	+2.77%	+0.83	46 / 122	Q2
6M	+2.09%	+4.75%	-2.65	71 / 122	Q3
YTD	-4.32%	+0.21%	-4.53	89 / 122	Q3
1Y	-0.46%	+1.48%	-1.94	72 / 120	Q3
2Y	-1.17%	+1.54%	-2.70	63 / 116	Q3
3Y	+10.24%	+13.01%	-2.77	76 / 114	Q3
4Y	+10.62%	+14.55%	-3.93	80 / 106	Q4
5Y	+9.71%	+11.72%	-2.01	65 / 104	Q3
7Y	+12.06%	+14.88%	-2.82	72 / 99	Q3
10Y	+9.81%	+11.23%	-1.41	63 / 93	Q3
Inception	+8.82%	+10.97%	-2.15	79 / 122	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	-4.32%	+0.11%	-4.43	85 / 118
2025	+3.42%	+3.20%	+0.23	45 / 115
2024	+20.37%	+19.60%	+0.76	45 / 113
2023	+22.89%	+31.56%	-8.66	90 / 108
2022	-2.33%	+2.19%	-4.51	69 / 104
2021	+17.91%	+32.41%	-14.50	83 / 102
2020	+15.21%	+18.32%	-3.11	42 / 100
2019	+6.04%	+5.50%	+0.54	35 / 97
2018	-1.79%	-10.07%	+8.27	22 / 94
2017	+31.68%	+30.10%	+1.58	47 / 93
2016	+2.88%	-0.25%	+3.13	30 / 93

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

+11.24%

219 windows

min -47.4% · max 82.3%

75% positive

3-Year rolling

+11.35%

194 windows

min -0.8% · max 31.7%

98% positive

5-Year rolling

+10.94%

170 windows

min 0.0% · max 21.3%

100% positive

7-Year rolling

+10.49%

146 windows

min 5.9% · max 17.7%

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

13.96%

3-year · annualised

Sharpe ratio

0.30

vs risk-free 6.5%

Sortino ratio

0.44

Downside-only deviation

Max drawdown

-23.96%

Sep 2024 → Mar 2026

% positive months

72.2%

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	HDFC	₹17.7760	24 Jul 2026
Nippon India Japan Equity Fund- Growth Plan- Bonus Option	Nippon India	₹27.1441	24 Jul 2026
SBI COMMA Fund - REGULAR PLAN - Growth	SBI	₹114.8349	24 Jul 2026
ICICI Prudential Active Momentum Fund - Growth	ICICI Prudential	₹10.5800	24 Jul 2026
Franklin Asian Equity Fund - Growth Plan	Franklin Templeton	₹43.3220	24 Jul 2026
Franklin India Multi-Factor Fund- Growth	Franklin India	₹9.3942	24 Jul 2026
Kotak Infrastructure & Economic Reform Fund - Standard Plan-Growth	Kotak	₹68.1110	24 Jul 2026
CANARA ROBECO INFRASTRUCTURE FUND - REGULAR PLAN - GROWTH OPTION	Canara Robeco	₹166.1100	24 Jul 2026
UTI - MNC Fund - Regular Plan - Growth Option	UTI	₹392.8627	24 Jul 2026
Aditya Birla Sun Life Consumption Fund -Regular - IDCW	Birla Sun Life	₹35.4300	24 Jul 2026

Recent NAVs

Date	NAV
24 Jul 2026	₹49.6350
23 Jul 2026	₹49.9435
22 Jul 2026	₹49.9600
21 Jul 2026	₹50.1723
20 Jul 2026	₹49.9381
17 Jul 2026	₹49.7783
16 Jul 2026	₹49.6712
15 Jul 2026	₹49.6765
14 Jul 2026	₹49.5247
13 Jul 2026	₹49.8635

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 24 Jul 2026, the NAV of UTI India Consumer Fund - Regular Plan - IDCW is ₹49.6350. It's a Sectoral/Thematic Fund from UTI, run as a Unknown plan Growth option. NAVs update once per business day from the AMFI feed.

UTI India Consumer Fund - Regular Plan - IDCW has NAV history starting from 29 Aug 2007, a track record of about 18 years 10 months. Long-tenured funds like this have weathered multiple market cycles — the 2008 crash, 2013 taper tantrum, 2020 COVID drawdown — which makes their returns more credible than a 3-year track record alone.

UTI India Consumer Fund - Regular 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 - Regular Plan - IDCW has delivered a absolute return of -0.46% — -1.94 pp behind the Sectoral/Thematic Fund category average of 1.48%. The fund ranks #72 of 120 in its category — the third (Q3) quartile.

Over the trailing 3-year window, UTI India Consumer Fund - Regular Plan - IDCW has delivered a CAGR of 10.24% — -2.77 pp behind the Sectoral/Thematic Fund category average of 13.01%. The fund ranks #76 of 114 in its category — the third (Q3) quartile.

Over the trailing 5-year window, UTI India Consumer Fund - Regular Plan - IDCW has delivered a CAGR of 9.71% — -2.01 pp behind the Sectoral/Thematic Fund category average of 11.72%. The fund ranks #65 of 104 in its category — the third (Q3) quartile.

₹1 lakh invested in UTI India Consumer Fund - Regular Plan - IDCW exactly 10 years ago would be worth approximately ₹255,003 today — a multiplier of 2.55×, based on the 10-year CAGR of 9.81%. The category average over the same window would have grown ₹1 lakh to ₹289,792.

A ₹10,000 monthly SIP in UTI India Consumer Fund - Regular Plan - IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹742,485 today. That's an XIRR (money-weighted annualised return) of 8.45%.

A ₹10,000 monthly SIP for 10 years in UTI India Consumer Fund - Regular Plan - IDCW = ₹1,200,000 invested. It would currently be worth ₹2,021,531 (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 - Regular Plan - IDCW ranks #65 out of 104 funds in the Sectoral/Thematic Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 11.72%; this fund delivered 9.71%.

The worst peak-to-trough decline UTI India Consumer Fund - Regular Plan - IDCW has experienced over the last 5-year window is 23.95% — its NAV fell from a high on 26 Sep 2024 to a low on 23 Mar 2026. 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 - Regular Plan - IDCW averaged 10.94% (best 21.28%, worst 0.01%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.27 — weak risk-adjusted performance.

In calendar year 2025, UTI India Consumer Fund - Regular Plan - IDCW returned 3.42% — beating the Sectoral/Thematic Fund category average of 3.20% by 0.23 pp. It ranked #45 of 115 in its category that year.

UTI India Consumer Fund - Regular 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 - Regular 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: 24.0%. 5-year CAGR: 9.71%.

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