Should I invest in UTI Large & Mid Cap Fund?

We don't give personal investment advice. UTI Large & Mid 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: 18.3%. 5-year CAGR: 16.24%.

UTI

UTI Large & Mid Cap Fund - Direct Plan - IDCW

Latest NAV

₹94.2882

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	+0.38%	+0.15%	+0.23	11 / 36	Q2
1W	-1.75%	-1.74%	-0.01	16 / 36	Q2
2W	-0.98%	-0.17%	-0.81	28 / 36	Q4
1M	-1.48%	-0.80%	-0.68	26 / 36	Q3
3M	-1.19%	-1.40%	+0.20	19 / 36	Q3
6M	-3.67%	-6.06%	+2.39	14 / 36	Q2
YTD	-4.96%	-6.30%	+1.34	19 / 36	Q3
1Y	+3.12%	-1.66%	+4.78	8 / 35	Q1
2Y	+6.83%	+0.68%	+6.15	2 / 33	Q1
3Y	+19.47%	+12.10%	+7.37	2 / 31	Q1
4Y	+19.10%	+12.28%	+6.81	1 / 31	Q1
5Y	+16.24%	+10.78%	+5.45	2 / 31	Q1
7Y	+15.47%	+12.23%	+3.24	5 / 27	Q1
10Y	+12.03%	+10.45%	+1.58	8 / 22	Q2
Inception	+10.58%	+10.14%	+0.45	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	-4.96%	-6.30%	+1.34	19 / 36
2025	+8.06%	+1.18%	+6.88	4 / 35
2024	+27.71%	+19.71%	+8.00	5 / 31
2023	+35.20%	+26.16%	+9.04	1 / 31
2022	+5.29%	+0.59%	+4.70	8 / 31
2021	+29.41%	+33.41%	-4.00	21 / 31
2020	+12.95%	+14.39%	-1.44	19 / 30
2019	+1.83%	+6.20%	-4.36	19 / 26
2018	-14.15%	-13.14%	-1.01	17 / 23
2017	+25.50%	+29.57%	-4.06	16 / 23
2016	-3.83%	+3.36%	-7.19	18 / 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

+13.88%

152 windows

min -34.9% · max 79.9%

73% positive

3-Year rolling

+11.25%

127 windows

min -11.9% · max 29.6%

85% positive

5-Year rolling

+10.49%

103 windows

min -8.2% · max 28.4%

86% positive

7-Year rolling

+9.61%

79 windows

min -0.1% · max 17.3%

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

13.73%

3-year · annualised

Sharpe ratio

0.90

vs risk-free 6.5%

Sortino ratio

1.49

Downside-only deviation

Max drawdown

-17.55%

Sep 2024 → Feb 2025

% 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 & Mid Cap Fund

Scheme	Fund house	NAV	As of
HDFC Large and Mid Cap Fund - IDCW Option - Direct Plan	HDFC	₹45.3030	3 Jun 2026
NIPPON INDIA VISION LARGE & MID CAP FUND - DIRECT Plan - IDCW Option	Nippon India	₹68.1548	3 Jun 2026
SBI Large & Midcap Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹356.4452	2 Jun 2026
ICICI Prudential Large & Mid Cap Fund - Direct Plan - IDCW	ICICI Prudential	₹51.8500	3 Jun 2026
Invesco India Large & Mid Cap Fund - Direct Plan - IDCW (Payout / Reinvestment)	Invesco	₹50.7800	3 Jun 2026
Bandhan Large & Mid Cap Fund - Direct Plan - IDCW	Bandhan	₹35.6690	3 Jun 2026
quant Large & Mid Cap Fund - IDCW Option - Direct Plan	Quant	₹62.7085	3 Jun 2026
Aditya Birla Sun Life Large & Mid Cap Fund -Direct - IDCW	Aditya Birla Sun Life	₹201.0900	3 Jun 2026
Motilal Oswal Large and Midcap Fund Direct - IDCW Payout/Reinvestment	Motilal Oswal	₹27.1484	3 Jun 2026
Franklin India Large & Mid cap Fund - Direct - IDCW	Franklin India	₹21.5940	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹94.2882
2 Jun 2026	₹94.8208
1 Jun 2026	₹94.4636
29 May 2026	₹95.1390
27 May 2026	₹96.4201
26 May 2026	₹96.5111
25 May 2026	₹96.5462
22 May 2026	₹95.6290
21 May 2026	₹95.7773
20 May 2026	₹95.7492

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 & Mid Cap Fund - Direct Plan - IDCW is ₹94.2882. It's a Large & Mid Cap Fund from UTI, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

UTI Large & Mid 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 & Mid Cap Fund - Direct Plan - IDCW is managed by UTI. It's classified by AMFI under the 'Large & Mid Cap Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, UTI Large & Mid Cap Fund - Direct Plan - IDCW has delivered a absolute return of 3.12% — +4.78 pp ahead of the Large & Mid Cap Fund category average of -1.66%. The fund ranks #8 of 35 in its category — the top (Q1) quartile.

Over the trailing 3-year window, UTI Large & Mid Cap Fund - Direct Plan - IDCW has delivered a CAGR of 19.47% — +7.37 pp ahead of the Large & Mid Cap Fund category average of 12.10%. The fund ranks #2 of 31 in its category — the top (Q1) quartile.

Over the trailing 5-year window, UTI Large & Mid Cap Fund - Direct Plan - IDCW has delivered a CAGR of 16.24% — +5.45 pp ahead of the Large & Mid Cap Fund category average of 10.78%. The fund ranks #2 of 31 in its category — the top (Q1) quartile.

₹1 lakh invested in UTI Large & Mid Cap Fund - Direct Plan - IDCW exactly 10 years ago would be worth approximately ₹311,404 today — a multiplier of 3.11×, based on the 10-year CAGR of 12.03%. The category average over the same window would have grown ₹1 lakh to ₹270,253.

A ₹10,000 monthly SIP in UTI Large & Mid Cap Fund - Direct Plan - IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹871,303 today. That's an XIRR (money-weighted annualised return) of 14.90%.

A ₹10,000 monthly SIP for 10 years in UTI Large & Mid Cap Fund - Direct Plan - IDCW = ₹1,200,000 invested. It would currently be worth ₹2,569,626 (multiplier 2.14×). XIRR: 14.56%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, UTI Large & Mid Cap Fund - Direct Plan - IDCW ranks #2 out of 31 funds in the Large & Mid Cap Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 10.78%; this fund delivered 16.24%.

The worst peak-to-trough decline UTI Large & Mid Cap Fund - Direct Plan - IDCW has experienced over the last 5-year window is 18.28% — its NAV fell from a high on 18 Oct 2021 to a low on 20 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 & Mid Cap Fund - Direct Plan - IDCW averaged 10.49% (best 28.36%, worst -8.21%). 86% of rolling windows ended positive. The 5-year Sharpe ratio is 0.70 — reasonable risk-adjusted performance.

In calendar year 2025, UTI Large & Mid Cap Fund - Direct Plan - IDCW returned 8.06% — beating the Large & Mid Cap Fund category average of 1.18% by 6.88 pp. It ranked #4 of 35 in its category that year.

UTI Large & Mid 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 & Mid 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: 18.3%. 5-year CAGR: 16.24%.

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