Should I invest in UTI Large Cap Fund?

We don't give personal investment advice. UTI Large Cap 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: 19.2%. 5-year CAGR: 9.64%.

UTI

UTI Large Cap Fund - Direct Plan - Growth Option

Latest NAV

₹294.1408

As of

17 Jul 2026

3,331 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	+0.88%	+0.69%	+0.19	9 / 36	Q1
1W	+0.64%	+0.30%	+0.35	4 / 36	Q1
2W	+0.98%	+0.37%	+0.62	4 / 36	Q1
1M	+1.64%	+1.62%	+0.03	18 / 36	Q2
3M	+0.89%	+1.64%	-0.76	27 / 36	Q3
6M	-4.53%	-1.66%	-2.87	34 / 35	Q4
YTD	-5.77%	-3.05%	-2.72	32 / 34	Q4
1Y	-2.10%	+0.29%	-2.39	30 / 34	Q4
2Y	-0.10%	+1.50%	-1.61	28 / 33	Q4
3Y	+8.93%	+11.75%	-2.82	28 / 31	Q4
4Y	+11.14%	+14.04%	-2.90	28 / 30	Q4
5Y	+9.64%	+11.71%	-2.07	25 / 28	Q4
7Y	+13.14%	+13.88%	-0.74	19 / 25	Q4
10Y	+12.01%	+12.86%	-0.84	17 / 23	Q3
Inception	+12.69%	+11.69%	+1.00	21 / 36	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	-5.77%	-3.05%	-2.72	32 / 34
2025	+8.92%	+8.01%	+0.90	15 / 33
2024	+12.26%	+16.46%	-4.21	29 / 31
2023	+21.24%	+25.03%	-3.79	27 / 31
2022	-0.90%	+3.34%	-4.25	23 / 28
2021	+30.44%	+27.19%	+3.24	7 / 27
2020	+19.76%	+14.50%	+5.26	3 / 25
2019	+11.22%	+11.93%	-0.71	16 / 24
2018	+1.24%	+0.35%	+0.89	10 / 24
2017	+29.18%	+31.41%	-2.23	18 / 23
2016	+3.80%	+4.58%	-0.78	14 / 22

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

+15.39%

153 windows

min -18.4% · max 61.7%

83% positive

3-Year rolling

+13.85%

129 windows

min -0.5% · max 28.6%

99% positive

5-Year rolling

+13.85%

105 windows

min 1.9% · max 23.7%

100% positive

7-Year rolling

+13.38%

80 windows

min 8.4% · max 16.8%

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

11.83%

3-year · annualised

Sharpe ratio

0.24

vs risk-free 6.5%

Sortino ratio

0.38

Downside-only deviation

Max drawdown

-15.89%

Sep 2024 → Mar 2026

% positive months

61.1%

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 Large Cap Fund

Scheme	Fund house	NAV	As of
HDFC Large Cap Fund - Growth Option - Direct Plan	HDFC	₹1,239.1080	17 Jul 2026
Nippon India Large Cap Fund - Direct Plan Growth Plan - Bonus Option	Nippon India	₹101.8020	17 Jul 2026
SBI Large Cap FUND-DIRECT PLAN -GROWTH	SBI	₹105.1850	17 Jul 2026
ICICI Prudential Large Cap Fund (erstwhile Bluechip Fund) - Direct Plan - Growth	ICICI Prudential	₹120.5600	17 Jul 2026
Invesco India Largecap Fund - Direct Plan - Growth	Invesco	₹87.2600	17 Jul 2026
BANDHAN Large Cap Fund-Direct Plan-Growth	Bandhan	₹90.9120	17 Jul 2026
quant Large Cap Fund - Growth Option - Direct Plan	Quant	₹17.1312	17 Jul 2026
Aditya Birla Sun Life Large Cap Fund - Growth - Direct Plan	Aditya Birla Sun Life	₹578.0500	17 Jul 2026
Motilal Oswal Large Cap Direct Plan Growth	Motilal Oswal	₹14.1993	17 Jul 2026
Franklin India Large Cap Fund- Direct - Growth	Franklin India	₹1,134.2035	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹294.1408
16 Jul 2026	₹291.5880
15 Jul 2026	₹291.3609
14 Jul 2026	₹290.4780
13 Jul 2026	₹292.5549
10 Jul 2026	₹292.2686
9 Jul 2026	₹289.2224
8 Jul 2026	₹287.8887
7 Jul 2026	₹293.5568
6 Jul 2026	₹292.8335

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 17 Jul 2026, the NAV of UTI Large Cap Fund - Direct Plan - Growth Option is ₹294.1408. It's a Large Cap Fund from UTI, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

UTI Large Cap Fund - Direct Plan - Growth Option has NAV history starting from 02 Jan 2013, a track record of about 13 years 6 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 Large Cap Fund - Direct Plan - Growth Option is managed by UTI. It's classified by AMFI under the 'Large Cap Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, UTI Large Cap Fund - Direct Plan - Growth Option has delivered a absolute return of -2.10% — -2.39 pp behind the Large Cap Fund category average of 0.29%. The fund ranks #30 of 34 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, UTI Large Cap Fund - Direct Plan - Growth Option has delivered a CAGR of 8.93% — -2.82 pp behind the Large Cap Fund category average of 11.75%. The fund ranks #28 of 31 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, UTI Large Cap Fund - Direct Plan - Growth Option has delivered a CAGR of 9.64% — -2.07 pp behind the Large Cap Fund category average of 11.71%. The fund ranks #25 of 28 in its category — the bottom (Q4) quartile.

₹1 lakh invested in UTI Large Cap Fund - Direct Plan - Growth Option exactly 10 years ago would be worth approximately ₹310,987 today — a multiplier of 3.11×, based on the 10-year CAGR of 12.01%. The category average over the same window would have grown ₹1 lakh to ₹335,257.

A ₹10,000 monthly SIP in UTI Large Cap Fund - Direct Plan - Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹728,511 today. That's an XIRR (money-weighted annualised return) of 7.69%.

A ₹10,000 monthly SIP for 10 years in UTI Large Cap Fund - Direct Plan - Growth Option = ₹1,200,000 invested. It would currently be worth ₹2,202,373 (multiplier 1.84×). XIRR: 11.68%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, UTI Large Cap Fund - Direct Plan - Growth Option ranks #25 out of 28 funds in the Large Cap Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 11.71%; this fund delivered 9.64%.

The worst peak-to-trough decline UTI Large Cap Fund - Direct Plan - Growth Option has experienced over the last 5-year window is 19.22% — its NAV fell from a high on 17 Jan 2022 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 Large Cap Fund - Direct Plan - Growth Option averaged 13.85% (best 23.66%, worst 1.90%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.25 — weak risk-adjusted performance.

In calendar year 2025, UTI Large Cap Fund - Direct Plan - Growth Option returned 8.92% — beating the Large Cap Fund category average of 8.01% by 0.90 pp. It ranked #15 of 33 in its category that year.

UTI Large Cap 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 Large Cap 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: 19.2%. 5-year CAGR: 9.64%.

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