Should I invest in UTI Mid Cap Fund?

We don't give personal investment advice. UTI Mid Cap Fund-Growth Option- Direct 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: 14.45%.

UTI

UTI Mid Cap Fund-Growth Option- Direct

Latest NAV

₹332.1809

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	+0.21%	+0.15%	+0.06	18 / 34	Q3
1W	-2.06%	-1.85%	-0.21	21 / 34	Q3
2W	-0.74%	-0.16%	-0.57	26 / 34	Q4
1M	-0.12%	+0.51%	-0.62	23 / 34	Q3
3M	+1.39%	+4.16%	-2.77	28 / 33	Q4
6M	-1.95%	+0.22%	-2.17	27 / 33	Q4
YTD	-1.96%	+0.48%	-2.44	28 / 33	Q4
1Y	+1.58%	+6.03%	-4.45	25 / 32	Q4
2Y	+4.60%	+6.85%	-2.25	24 / 31	Q4
3Y	+15.44%	+20.47%	-5.03	27 / 31	Q4
4Y	+16.05%	+19.91%	-3.86	22 / 25	Q4
5Y	+14.45%	+17.75%	-3.30	20 / 24	Q4
7Y	+17.77%	+19.64%	-1.87	17 / 22	Q4
10Y	+14.99%	+16.84%	-1.85	16 / 19	Q4
Inception	+17.95%	+18.51%	-0.56	23 / 34	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	-1.96%	+0.48%	-2.44	28 / 33
2025	+0.19%	+2.51%	-2.32	24 / 31
2024	+23.92%	+29.88%	-5.96	22 / 31
2023	+31.99%	+38.88%	-6.89	28 / 30
2022	+0.26%	+4.09%	-3.82	19 / 24
2021	+43.09%	+45.26%	-2.17	15 / 23
2020	+33.84%	+24.48%	+9.36	3 / 22
2019	+0.67%	+4.55%	-3.88	16 / 21
2018	-13.76%	-10.32%	-3.43	14 / 20
2017	+41.20%	+41.26%	-0.06	12 / 20
2016	+3.81%	+4.21%	-0.40	12 / 19

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

+23.60%

152 windows

min -26.1% · max 124.4%

82% positive

3-Year rolling

+18.49%

127 windows

min -7.8% · max 45.2%

97% positive

5-Year rolling

+17.49%

103 windows

min -1.0% · max 30.4%

99% positive

7-Year rolling

+16.55%

79 windows

min 11.8% · max 21.2%

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

16.29%

3-year · annualised

Sharpe ratio

0.57

vs risk-free 6.5%

Sortino ratio

0.86

Downside-only deviation

Max drawdown

-22.66%

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 Mid Cap Fund

Scheme	Fund house	NAV	As of
HDFC Mid Cap Fund - Growth Option - Direct Plan	HDFC	₹219.0770	3 Jun 2026
NIPPON INDIA GROWTH MID CAP FUND - DIRECT Plan - IDCW Option	Nippon India	₹184.7203	3 Jun 2026
SBI MIDCAP FUND - DIRECT PLAN - GROWTH	SBI	₹261.4456	3 Jun 2026
ICICI Prudential MidCap Fund - Direct Plan - Growth	ICICI Prudential	₹374.7000	3 Jun 2026
Invesco India Midcap Fund - Direct Plan - Growth Option	Invesco	₹220.3000	3 Jun 2026
BANDHAN MIDCAP FUND - GROWTH - DIRECT PLAN	Bandhan	₹18.8500	3 Jun 2026
quant Mid Cap Fund - Growth Option - Direct Plan	Quant	₹245.6593	3 Jun 2026
Aditya Birla Sun Life Midcap Fund - Growth - Direct Plan	Aditya Birla Sun Life	₹896.8300	3 Jun 2026
Motilal Oswal Midcap Fund-Direct Plan-Growth Option	Motilal Oswal	₹104.1164	3 Jun 2026
Franklin India Mid Cap Fund - Direct - Growth	Franklin India	₹3,000.7955	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹332.1809
2 Jun 2026	₹334.0871
1 Jun 2026	₹333.3983
29 May 2026	₹337.0338
27 May 2026	₹341.6584
26 May 2026	₹341.1157
25 May 2026	₹340.3647
22 May 2026	₹337.7744
21 May 2026	₹337.6571
20 May 2026	₹337.3317

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 Mid Cap Fund-Growth Option- Direct is ₹332.1809. It's a Mid Cap Fund from UTI, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

UTI Mid Cap Fund-Growth Option- Direct 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 Mid Cap Fund-Growth Option- Direct 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-Growth Option- Direct has delivered a absolute return of 1.58% — -4.45 pp behind the Mid Cap Fund category average of 6.03%. The fund ranks #25 of 32 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, UTI Mid Cap Fund-Growth Option- Direct has delivered a CAGR of 15.44% — -5.03 pp behind the Mid Cap Fund category average of 20.47%. The fund ranks #27 of 31 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, UTI Mid Cap Fund-Growth Option- Direct has delivered a CAGR of 14.45% — -3.3 pp behind the Mid Cap Fund category average of 17.75%. The fund ranks #20 of 24 in its category — the bottom (Q4) quartile.

₹1 lakh invested in UTI Mid Cap Fund-Growth Option- Direct exactly 10 years ago would be worth approximately ₹404,362 today — a multiplier of 4.04×, based on the 10-year CAGR of 14.99%. The category average over the same window would have grown ₹1 lakh to ₹474,182.

A ₹10,000 monthly SIP in UTI Mid Cap Fund-Growth Option- Direct over the last 5 years — total invested ₹600,000 — would be worth ₹808,211 today. That's an XIRR (money-weighted annualised return) of 11.86%.

A ₹10,000 monthly SIP for 10 years in UTI Mid Cap Fund-Growth Option- Direct = ₹1,200,000 invested. It would currently be worth ₹2,708,182 (multiplier 2.26×). XIRR: 15.54%. 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-Growth Option- Direct ranks #20 out of 24 funds in the Mid Cap Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 17.75%; this fund delivered 14.45%.

The worst peak-to-trough decline UTI Mid Cap Fund-Growth Option- Direct 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-Growth Option- Direct averaged 17.49% (best 30.37%, worst -1.02%). 99% of rolling windows ended positive. The 5-year Sharpe ratio is 0.54 — reasonable risk-adjusted performance.

In calendar year 2025, UTI Mid Cap Fund-Growth Option- Direct returned 0.19% — lagging the Mid Cap Fund category average of 2.51% by 2.32 pp. It ranked #24 of 31 in its category that year.

UTI Mid Cap Fund-Growth Option- Direct 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-Growth Option- Direct 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: 14.45%.

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