Should I invest in UTI Mid Cap Fund-Income Option?

We don't give personal investment advice. UTI Mid Cap Fund-Income 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: 22.9%. 5-year CAGR: 12.48%.

UTI

UTI Mid Cap Fund-Income Option

Latest NAV

₹145.8744

As of

17 Jul 2026

4,989 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%	-0.16%	-0.26	20 / 27	Q3
1W	-0.80%	-0.41%	-0.38	18 / 27	Q3
2W	+0.35%	+0.58%	-0.23	18 / 27	Q3
1M	+0.58%	+1.52%	-0.94	21 / 27	Q4
3M	+3.52%	+4.63%	-1.11	20 / 27	Q3
6M	+3.31%	+4.55%	-1.23	18 / 27	Q3
YTD	+1.17%	+2.42%	-1.25	19 / 27	Q3
1Y	+0.35%	+1.75%	-1.40	18 / 27	Q3
2Y	+0.18%	+1.26%	-1.08	16 / 27	Q3
3Y	+12.91%	+15.58%	-2.67	17 / 27	Q3
4Y	+15.04%	+17.25%	-2.22	21 / 27	Q4
5Y	+12.48%	+14.06%	-1.58	19 / 27	Q3
7Y	+17.60%	+17.85%	-0.25	16 / 27	Q3
10Y	+11.64%	+13.17%	-1.53	20 / 27	Q3
Inception	+9.14%	+11.07%	-1.93	18 / 27	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	+1.17%	+2.42%	-1.25	19 / 27
2025	-0.66%	+0.65%	-1.32	19 / 27
2024	+22.81%	+23.63%	-0.82	12 / 27
2023	+30.80%	+35.07%	-4.27	22 / 27
2022	-0.75%	+2.50%	-3.25	22 / 27
2021	+34.08%	+38.76%	-4.69	19 / 27
2020	+32.64%	+20.23%	+12.41	4 / 27
2019	-0.14%	-0.75%	+0.61	13 / 27
2018	-21.35%	-14.09%	-7.26	24 / 27
2017	+33.18%	+36.02%	-2.84	15 / 27
2016	+2.88%	+0.99%	+1.90	13 / 27

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

+14.99%

236 windows

min -58.8% · max 119.3%

68% positive

3-Year rolling

+13.02%

211 windows

min -22.1% · max 37.9%

85% positive

5-Year rolling

+12.77%

187 windows

min -4.6% · max 28.4%

92% positive

7-Year rolling

+12.49%

163 windows

min -2.3% · max 23.1%

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

15.73%

3-year · annualised

Sharpe ratio

0.44

vs risk-free 6.5%

Sortino ratio

0.68

Downside-only deviation

Max drawdown

-22.95%

Sep 2024 → Feb 2025

% positive months

63.9%

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 OPPORTUNITIES FUND - Dividend Option	HDFC	₹51.9160	17 Jul 2026
SBI Magnum MIDCAP FUND - DIVIDEND	SBI	₹99.4079	17 Jul 2026
ICICI Prudential Emerging Star Fund-Dividend	ICICI Prudential	₹43.5700	17 Jul 2026
Franklin India Prima Fund-Dividend	Franklin Templeton	₹86.7683	17 Jul 2026
Kotak Emerging Equity Scheme - Dividend	Kotak Mahindra	₹80.4040	17 Jul 2026
UTI Mid Cap Fund-Growth Option	UTI	₹308.2663	17 Jul 2026
Birla Sun Life MIDCAP Fund-Plan A (Dividend)	Birla Sun Life	₹58.5500	17 Jul 2026
Escorts Opportunities Fund-Dividend	Escorts	₹79.7251	17 Jul 2026
Reliance Growth Fund-Dividend Plan-(D)	Reliance	₹120.4732	17 Jul 2026
Religare Mid Cap Fund - Dividend Option	Religare	₹61.7100	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹145.8744
16 Jul 2026	₹146.5006
15 Jul 2026	₹146.7399
14 Jul 2026	₹146.0846
13 Jul 2026	₹147.0809
10 Jul 2026	₹147.0486
9 Jul 2026	₹145.0997
8 Jul 2026	₹143.4186
7 Jul 2026	₹146.1886
6 Jul 2026	₹146.0776

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-Income Option is ₹145.8744. It's a Mid Cap Fund from UTI, run as a Unknown plan Growth option. NAVs update once per business day from the AMFI feed.

UTI Mid Cap Fund-Income 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 Mid Cap Fund-Income Option 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-Income Option has delivered a absolute return of 0.35% — -1.4 pp behind the Mid Cap Fund category average of 1.75%. The fund ranks #18 of 27 in its category — the third (Q3) quartile.

Over the trailing 3-year window, UTI Mid Cap Fund-Income Option has delivered a CAGR of 12.91% — -2.67 pp behind the Mid Cap Fund category average of 15.58%. The fund ranks #17 of 27 in its category — the third (Q3) quartile.

Over the trailing 5-year window, UTI Mid Cap Fund-Income Option has delivered a CAGR of 12.48% — -1.58 pp behind the Mid Cap Fund category average of 14.06%. The fund ranks #19 of 27 in its category — the third (Q3) quartile.

₹1 lakh invested in UTI Mid Cap Fund-Income Option exactly 10 years ago would be worth approximately ₹300,686 today — a multiplier of 3.01×, based on the 10-year CAGR of 11.64%. The category average over the same window would have grown ₹1 lakh to ₹344,513.

A ₹10,000 monthly SIP in UTI Mid Cap Fund-Income Option over the last 5 years — total invested ₹600,000 — would be worth ₹802,700 today. That's an XIRR (money-weighted annualised return) of 11.58%.

A ₹10,000 monthly SIP for 10 years in UTI Mid Cap Fund-Income Option = ₹1,200,000 invested. It would currently be worth ₹2,464,487 (multiplier 2.05×). XIRR: 13.78%. 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-Income Option ranks #19 out of 27 funds in the Mid Cap Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 14.06%; this fund delivered 12.48%.

The worst peak-to-trough decline UTI Mid Cap Fund-Income Option has experienced over the last 5-year window is 22.95% — 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-Income Option averaged 12.77% (best 28.44%, worst -4.56%). 92% of rolling windows ended positive. The 5-year Sharpe ratio is 0.40 — weak risk-adjusted performance.

In calendar year 2025, UTI Mid Cap Fund-Income Option returned -0.66% — lagging the Mid Cap Fund category average of 0.65% by 1.32 pp. It ranked #19 of 27 in its category that year.

UTI Mid Cap Fund-Income 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 Mid Cap Fund-Income 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: 22.9%. 5-year CAGR: 12.48%.

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