Should I invest in UTI Large Cap Fund?

We don't give personal investment advice. UTI Large Cap 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: 22.4%. 5-year CAGR: 6.11%.

UTI

UTI Large Cap Fund - Direct Plan - IDCW

Latest NAV

₹59.6509

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	+0.50%	+0.08%	+0.41	3 / 42	Q1
1W	-1.50%	-1.84%	+0.34	8 / 42	Q1
2W	-0.35%	-0.38%	+0.03	22 / 42	Q3
1M	-1.76%	-1.90%	+0.14	11 / 42	Q2
3M	-4.40%	-4.54%	+0.15	22 / 42	Q3
6M	-9.30%	-9.19%	-0.12	24 / 41	Q3
YTD	-9.65%	-9.42%	-0.23	25 / 41	Q3
1Y	-6.54%	-4.83%	-1.71	23 / 41	Q3
2Y	-0.72%	-1.82%	+1.10	17 / 40	Q2
3Y	+7.16%	+8.46%	-1.30	25 / 39	Q3
4Y	+7.46%	+8.78%	-1.32	23 / 36	Q3
5Y	+6.11%	+7.38%	-1.27	23 / 35	Q3
7Y	+8.01%	+8.68%	-0.67	19 / 31	Q3
10Y	+6.41%	+7.59%	-1.18	18 / 26	Q3
Inception	+6.26%	+7.86%	-1.60	31 / 42	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	-9.65%	-9.83%	+0.18	24 / 40
2025	+6.45%	+4.07%	+2.38	14 / 40
2024	+9.69%	+12.49%	-2.80	29 / 38
2023	+18.69%	+21.78%	-3.09	25 / 38
2022	-3.32%	+0.13%	-3.45	28 / 35
2021	+23.75%	+22.09%	+1.66	15 / 34
2020	+14.48%	+11.78%	+2.71	13 / 31
2019	+6.36%	+7.69%	-1.33	19 / 31
2018	-6.67%	-4.62%	-2.05	18 / 31
2017	+16.77%	+20.09%	-3.32	23 / 27
2016	-5.44%	-0.13%	-5.31	21 / 25

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

+8.91%

152 windows

min -29.5% · max 69.5%

66% positive

3-Year rolling

+6.98%

127 windows

min -10.2% · max 21.3%

85% positive

5-Year rolling

+7.04%

103 windows

min -8.1% · max 17.9%

87% positive

7-Year rolling

+6.61%

79 windows

min -0.4% · max 11.2%

99% 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

12.11%

3-year · annualised

Sharpe ratio

0.10

vs risk-free 6.5%

Sortino ratio

0.13

Downside-only deviation

Max drawdown

-19.68%

Sep 2024 → Mar 2026

% positive months

75.0%

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 - IDCW Option - Direct Plan	HDFC	₹58.9490	3 Jun 2026
NIPPON INDIA LARGE CAP FUND - DIRECT Plan - IDCW Option	Nippon India	₹38.6669	3 Jun 2026
SBI Large Cap Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹65.4721	3 Jun 2026
ICICI Prudential Large Cap Fund (erstwhile Bluechip Fund) - Direct Plan - IDCW	ICICI Prudential	₹58.3500	3 Jun 2026
Invesco India Largecap Fund - Direct Plan - IDCW (Payout / Reinvestment)	Invesco	₹33.2800	3 Jun 2026
BANDHAN Large Cap Fund-Direct Plan-IDCW	Bandhan	₹27.1200	3 Jun 2026
quant Large Cap Fund - IDCW Option - Direct Plan	Quant	₹16.2966	3 Jun 2026
Aditya Birla Sun Life Large Cap Fund-DIRECT - IDCW	Aditya Birla Sun Life	₹88.5700	3 Jun 2026
Motilal Oswal Large Cap Direct Plan IDCW	Motilal Oswal	₹12.1057	3 Jun 2026
Franklin India Large Cap Fund - Direct - IDCW	Franklin India	₹47.3825	2 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹59.6509
2 Jun 2026	₹59.9445
1 Jun 2026	₹59.6483
29 May 2026	₹60.0241
27 May 2026	₹60.8309
26 May 2026	₹60.8597
25 May 2026	₹61.0925
22 May 2026	₹60.3374
21 May 2026	₹60.1416
20 May 2026	₹60.1898

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 Large Cap Fund - Direct Plan - IDCW is ₹59.6509. It's a Large Cap Fund from UTI, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

UTI Large Cap 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 Large Cap Fund - Direct Plan - IDCW 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 - IDCW has delivered a absolute return of -6.54% — -1.71 pp behind the Large Cap Fund category average of -4.83%. The fund ranks #23 of 41 in its category — the third (Q3) quartile.

Over the trailing 3-year window, UTI Large Cap Fund - Direct Plan - IDCW has delivered a CAGR of 7.16% — -1.3 pp behind the Large Cap Fund category average of 8.46%. The fund ranks #25 of 39 in its category — the third (Q3) quartile.

Over the trailing 5-year window, UTI Large Cap Fund - Direct Plan - IDCW has delivered a CAGR of 6.11% — -1.27 pp behind the Large Cap Fund category average of 7.38%. The fund ranks #23 of 35 in its category — the third (Q3) quartile.

₹1 lakh invested in UTI Large Cap Fund - Direct Plan - IDCW exactly 10 years ago would be worth approximately ₹186,097 today — a multiplier of 1.86×, based on the 10-year CAGR of 6.41%. The category average over the same window would have grown ₹1 lakh to ₹207,880.

A ₹10,000 monthly SIP in UTI Large Cap Fund - Direct Plan - IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹663,643 today. That's an XIRR (money-weighted annualised return) of 3.98%.

A ₹10,000 monthly SIP for 10 years in UTI Large Cap Fund - Direct Plan - IDCW = ₹1,200,000 invested. It would currently be worth ₹1,723,402 (multiplier 1.44×). XIRR: 7.03%. 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 - IDCW ranks #23 out of 35 funds in the Large Cap Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 7.38%; this fund delivered 6.11%.

The worst peak-to-trough decline UTI Large Cap Fund - Direct Plan - IDCW has experienced over the last 5-year window is 22.37% — its NAV fell from a high on 18 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 Large Cap Fund - Direct Plan - IDCW averaged 7.04% (best 17.94%, worst -8.13%). 87% of rolling windows ended positive. The 5-year Sharpe ratio is 0.04 — weak risk-adjusted performance.

In calendar year 2025, UTI Large Cap Fund - Direct Plan - IDCW returned 6.45% — beating the Large Cap Fund category average of 4.07% by 2.38 pp. It ranked #14 of 40 in its category that year.

UTI Large Cap 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 Large Cap 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: 22.4%. 5-year CAGR: 6.11%.

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