Should I invest in UTI Mid Cap Fund?

We don't give personal investment advice. UTI 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: 22.7%. 5-year CAGR: 13.51%.

UTI

UTI Mid Cap Fund - Direct Plan - IDCW

Latest NAV

₹170.4123

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	-0.43%	-0.23%	-0.20	23 / 31	Q3
1W	-0.78%	-0.51%	-0.27	22 / 31	Q3
2W	+0.38%	+0.60%	-0.21	19 / 31	Q3
1M	+0.64%	+1.56%	-0.91	26 / 31	Q4
3M	+3.73%	+5.71%	-1.98	26 / 31	Q4
6M	+3.74%	+5.07%	-1.33	20 / 31	Q3
YTD	+1.62%	+2.84%	-1.22	19 / 30	Q3
1Y	+1.19%	+2.58%	-1.39	20 / 30	Q3
2Y	+1.04%	+1.07%	-0.03	15 / 28	Q3
3Y	+13.91%	+15.52%	-1.61	16 / 28	Q3
4Y	+16.07%	+16.21%	-0.14	12 / 24	Q2
5Y	+13.51%	+12.80%	+0.71	10 / 21	Q2
7Y	+18.76%	+16.87%	+1.89	9 / 19	Q2
10Y	+12.81%	+11.75%	+1.06	8 / 16	Q2
Inception	+15.27%	+15.15%	+0.12	18 / 31	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	+1.62%	+2.84%	-1.22	19 / 30
2025	+0.19%	-0.94%	+1.13	14 / 28
2024	+23.92%	+26.10%	-2.18	14 / 28
2023	+31.99%	+33.37%	-1.38	17 / 27
2022	+0.26%	-0.01%	+0.28	10 / 21
2021	+36.10%	+39.11%	-3.01	11 / 20
2020	+33.84%	+21.28%	+12.56	3 / 19
2019	+0.67%	-0.12%	+0.79	9 / 18
2018	-20.18%	-14.35%	-5.83	15 / 17
2017	+34.80%	+34.26%	+0.55	7 / 17
2016	+3.81%	-0.52%	+4.33	6 / 16

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

+20.34%

153 windows

min -22.9% · max 120.6%

76% positive

3-Year rolling

+15.63%

129 windows

min -8.0% · max 38.8%

91% positive

5-Year rolling

+14.46%

105 windows

min -2.5% · max 29.8%

96% positive

7-Year rolling

+13.66%

80 windows

min 8.6% · max 18.8%

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

15.75%

3-year · annualised

Sharpe ratio

0.49

vs risk-free 6.5%

Sortino ratio

0.77

Downside-only deviation

Max drawdown

-22.66%

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 Mid Cap Fund

Scheme	Fund house	NAV	As of
HDFC Mid Cap Fund - IDCW Option - Direct Plan	HDFC	₹81.4130	17 Jul 2026
SBI Midcap Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹155.8445	17 Jul 2026
ICICI Prudential MidCap Fund - Direct Plan - IDCW	ICICI Prudential	₹70.3500	17 Jul 2026
Invesco India Midcap Fund - Direct Plan - IDCW (Payout / Reinvestment)	Invesco	₹84.0600	17 Jul 2026
BANDHAN MIDCAP FUND - IDCW - DIRECT PLAN	Bandhan	₹19.7020	17 Jul 2026
quant Mid Cap Fund - IDCW Option - Direct Plan	Quant	₹89.2853	17 Jul 2026
Aditya Birla Sun Life Midcap Fund -DIRECT - IDCW	Aditya Birla Sun Life	₹100.6900	17 Jul 2026
Motilal Oswal Midcap Fund-Direct - IDCW Payout/Reinvestment	Motilal Oswal	₹46.6684	17 Jul 2026
Franklin India Mid Cap Fund - Direct - IDCW	Franklin India	₹105.1035	17 Jul 2026
Mirae Asset Midcap Fund Direct IDCW	Mirae Asset	₹28.6980	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹170.4123
16 Jul 2026	₹171.1401
15 Jul 2026	₹171.4158
14 Jul 2026	₹170.6466
13 Jul 2026	₹171.8066
10 Jul 2026	₹171.7574
9 Jul 2026	₹169.4773
8 Jul 2026	₹167.5101
7 Jul 2026	₹170.7416
6 Jul 2026	₹170.6081

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 Mid Cap Fund - Direct Plan - IDCW is ₹170.4123. It's a Mid Cap Fund from UTI, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

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

Over the trailing 1-year window, UTI Mid Cap Fund - Direct Plan - IDCW has delivered a absolute return of 1.19% — -1.39 pp behind the Mid Cap Fund category average of 2.58%. The fund ranks #20 of 30 in its category — the third (Q3) quartile.

Over the trailing 3-year window, UTI Mid Cap Fund - Direct Plan - IDCW has delivered a CAGR of 13.91% — -1.61 pp behind the Mid Cap Fund category average of 15.52%. The fund ranks #16 of 28 in its category — the third (Q3) quartile.

Over the trailing 5-year window, UTI Mid Cap Fund - Direct Plan - IDCW has delivered a CAGR of 13.51% — +0.71 pp ahead of the Mid Cap Fund category average of 12.80%. The fund ranks #10 of 21 in its category — the second (Q2) quartile.

₹1 lakh invested in UTI Mid Cap Fund - Direct Plan - IDCW exactly 10 years ago would be worth approximately ₹333,893 today — a multiplier of 3.34×, based on the 10-year CAGR of 12.81%. The category average over the same window would have grown ₹1 lakh to ₹303,738.

A ₹10,000 monthly SIP in UTI Mid Cap Fund - Direct Plan - IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹823,180 today. That's an XIRR (money-weighted annualised return) of 12.60%.

A ₹10,000 monthly SIP for 10 years in UTI Mid Cap Fund - Direct Plan - IDCW = ₹1,200,000 invested. It would currently be worth ₹2,616,810 (multiplier 2.18×). XIRR: 14.90%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, UTI Mid Cap Fund - Direct Plan - IDCW ranks #10 out of 21 funds in the Mid Cap Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 12.80%; this fund delivered 13.51%.

The worst peak-to-trough decline UTI Mid Cap Fund - Direct Plan - IDCW has experienced over the last 5-year window is 22.66% — its NAV fell from a high on 24 Sep 2024 to a low on 28 Feb 2025. 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 Mid Cap Fund - Direct Plan - IDCW averaged 14.46% (best 29.79%, worst -2.45%). 96% of rolling windows ended positive. The 5-year Sharpe ratio is 0.46 — weak risk-adjusted performance.

In calendar year 2025, UTI Mid Cap Fund - Direct Plan - IDCW returned 0.19% — beating the Mid Cap Fund category average of -0.94% by 1.13 pp. It ranked #14 of 28 in its category that year.

UTI 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 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: 22.7%. 5-year CAGR: 13.51%.

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