Should I invest in UTI Large & Mid Cap Fund?

We don't give personal investment advice. UTI Large & Mid Cap Fund - Regular 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: 18.6%. 5-year CAGR: 14.38%.

UTI

UTI Large & Mid Cap Fund - Regular Plan - Growth Option

Unit split applied to historical metrics

This scheme had a 0.5× unit consolidation on 5 Jun 2009. Returns, SIP simulations and risk metrics on this page are split-adjusted — they reflect what a real investor's portfolio experienced (a consolidation doesn't change portfolio value, only the unit count and per-unit NAV).

Latest NAV

₹182.4704

As of

24 Jul 2026

4,991 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	-0.21%	-0.17%	-0.04	14 / 34	Q2
1W	-1.58%	-1.58%	0.00	16 / 34	Q2
2W	-2.09%	-1.78%	-0.30	25 / 34	Q3
1M	-0.70%	-0.60%	-0.10	20 / 34	Q3
3M	+1.81%	+2.72%	-0.91	23 / 32	Q3
6M	+1.01%	+3.11%	-2.10	27 / 32	Q4
YTD	-3.32%	-2.55%	-0.77	24 / 32	Q3
1Y	+0.87%	-1.22%	+2.09	16 / 32	Q2
2Y	+2.07%	-0.09%	+2.16	12 / 32	Q2
3Y	+15.75%	+12.08%	+3.67	5 / 32	Q1
4Y	+17.36%	+13.64%	+3.72	5 / 32	Q1
5Y	+14.38%	+11.55%	+2.83	9 / 32	Q2
7Y	+17.32%	+14.58%	+2.75	7 / 32	Q1
10Y	+13.57%	+11.20%	+2.37	11 / 32	Q2
Inception	+11.38%	+8.73%	+2.65	15 / 31	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	-3.32%	-2.55%	-0.77	24 / 32
2025	+7.07%	+2.91%	+4.17	5 / 32
2024	+26.61%	+19.92%	+6.69	5 / 32
2023	+34.29%	+27.73%	+6.56	4 / 32
2022	+4.58%	+2.49%	+2.08	14 / 32
2021	+39.64%	+32.49%	+7.16	4 / 32
2020	+12.43%	+13.97%	-1.54	20 / 32
2019	+1.32%	+4.84%	-3.51	25 / 32
2018	-7.77%	-10.87%	+3.10	11 / 32
2017	+34.45%	+31.34%	+3.10	13 / 32
2016	+2.94%	+2.52%	+0.41	17 / 32

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

+14.52%

236 windows

min -54.2% · max 100.8%

78% positive

3-Year rolling

+12.77%

211 windows

min -8.6% · max 31.7%

93% positive

5-Year rolling

+12.34%

187 windows

min -3.4% · max 31.8%

97% positive

7-Year rolling

+11.76%

163 windows

min 4.5% · max 18.5%

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

12.19%

3-year · annualised

Sharpe ratio

0.74

vs risk-free 6.5%

Sortino ratio

1.21

Downside-only deviation

Max drawdown

-17.86%

Sep 2024 → Feb 2025

% positive months

66.7%

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 - Growth Option	HDFC	₹340.3490	24 Jul 2026
SBI Large & Midcap Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹290.0170	24 Jul 2026
ICICI Prudential Large & Mid Cap Fund - Growth	ICICI Prudential	₹1,021.4400	24 Jul 2026
Franklin India Large & Mid Cap Fund - Growth Plan	Franklin Templeton	₹187.6270	24 Jul 2026
Kotak Large & Midcap Fund - Growth-Regular	Kotak Mahindra	₹347.8510	24 Jul 2026
CANARA ROBECO LARGE AND MID CAP FUND - REGULAR PLAN - GROWTH OPTION	Canara Robeco	₹252.2700	24 Jul 2026
UTI Large & Mid Cap Fund - Regular Plan - IDCW	UTI	₹88.8917	24 Jul 2026
Aditya Birla Sun Life Large & Mid Cap Fund - Regular Growth	Birla Sun Life	₹925.2300	24 Jul 2026
Bandhan Large & Mid Cap Fund - Regular Plan - Growth	IDFC	₹137.6310	24 Jul 2026
BANK OF INDIA Large & Mid Cap Fund Eco Plan- Growth	Bharti AXA	₹101.2500	24 Jul 2026

Recent NAVs

Date	NAV
24 Jul 2026	₹182.4704
23 Jul 2026	₹182.8497
22 Jul 2026	₹183.7061
21 Jul 2026	₹186.0388
20 Jul 2026	₹185.8493
17 Jul 2026	₹185.3935
16 Jul 2026	₹184.9633
15 Jul 2026	₹185.1855
14 Jul 2026	₹185.1369
13 Jul 2026	₹186.5471

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 Large & Mid Cap Fund - Regular Plan - Growth Option is ₹182.4704. It's a Large & Mid Cap Fund from UTI, run as a Unknown plan Growth option. NAVs update once per business day from the AMFI feed.

UTI Large & Mid Cap Fund - Regular Plan - Growth Option has NAV history starting from 03 Apr 2006, a track record of about 20 years 3 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 Large & Mid Cap Fund - Regular Plan - Growth Option 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 - Regular Plan - Growth Option has delivered a absolute return of 0.87% — +2.09 pp ahead of the Large & Mid Cap Fund category average of -1.22%. The fund ranks #16 of 32 in its category — the second (Q2) quartile.

Over the trailing 3-year window, UTI Large & Mid Cap Fund - Regular Plan - Growth Option has delivered a CAGR of 15.75% — +3.67 pp ahead of the Large & Mid Cap Fund category average of 12.08%. The fund ranks #5 of 32 in its category — the top (Q1) quartile.

Over the trailing 5-year window, UTI Large & Mid Cap Fund - Regular Plan - Growth Option has delivered a CAGR of 14.38% — +2.83 pp ahead of the Large & Mid Cap Fund category average of 11.55%. The fund ranks #9 of 32 in its category — the second (Q2) quartile.

₹1 lakh invested in UTI Large & Mid Cap Fund - Regular Plan - Growth Option exactly 10 years ago would be worth approximately ₹356,839 today — a multiplier of 3.57×, based on the 10-year CAGR of 13.57%. The category average over the same window would have grown ₹1 lakh to ₹289,063.

A ₹10,000 monthly SIP in UTI Large & Mid Cap Fund - Regular Plan - Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹856,326 today. That's an XIRR (money-weighted annualised return) of 14.20%.

A ₹10,000 monthly SIP for 10 years in UTI Large & Mid Cap Fund - Regular Plan - Growth Option = ₹1,200,000 invested. It would currently be worth ₹2,702,746 (multiplier 2.25×). XIRR: 15.50%. 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 - Regular Plan - Growth Option ranks #9 out of 32 funds in the Large & Mid Cap Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 11.55%; this fund delivered 14.38%.

The worst peak-to-trough decline UTI Large & Mid Cap Fund - Regular Plan - Growth Option has experienced over the last 5-year window is 18.63% — 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 - Regular Plan - Growth Option averaged 12.34% (best 31.83%, worst -3.42%). 97% of rolling windows ended positive. The 5-year Sharpe ratio is 0.61 — reasonable risk-adjusted performance.

In calendar year 2025, UTI Large & Mid Cap Fund - Regular Plan - Growth Option returned 7.07% — beating the Large & Mid Cap Fund category average of 2.91% by 4.17 pp. It ranked #5 of 32 in its category that year.

UTI Large & Mid Cap Fund - Regular 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 & Mid Cap Fund - Regular 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: 18.6%. 5-year CAGR: 14.38%.

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