Should I invest in UTI Mid Cap Fund?

We don't give personal investment advice. UTI Mid Cap Fund - Regular 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: 22.9%. 5-year CAGR: 12.00%.

UTI

UTI Mid Cap Fund - Regular Plan - IDCW

Latest NAV

₹144.2427

As of

24 Jul 2026

4,994 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	+0.04%	-0.02%	+0.06	12 / 27	Q2
1W	-1.12%	-1.13%	+0.01	13 / 27	Q2
2W	-1.91%	-1.54%	-0.37	16 / 27	Q3
1M	-1.25%	-0.61%	-0.64	24 / 27	Q4
3M	+2.98%	+3.93%	-0.94	21 / 27	Q4
6M	+6.05%	+7.69%	-1.64	20 / 27	Q3
YTD	+0.04%	+1.25%	-1.21	21 / 27	Q4
1Y	-0.01%	+1.15%	-1.16	18 / 27	Q3
2Y	+0.10%	+1.20%	-1.10	17 / 27	Q3
3Y	+12.25%	+14.78%	-2.53	17 / 27	Q3
4Y	+13.95%	+16.26%	-2.31	21 / 27	Q4
5Y	+12.00%	+13.66%	-1.66	19 / 27	Q3
7Y	+17.75%	+17.91%	-0.15	16 / 27	Q3
10Y	+11.35%	+12.82%	-1.48	20 / 27	Q3
Inception	+9.07%	+11.00%	-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	+0.04%	+1.25%	-1.21	21 / 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

+14.82%

236 windows

min -59.1% · max 111.8%

66% positive

3-Year rolling

+13.01%

211 windows

min -21.6% · max 38.3%

86% positive

5-Year rolling

+12.78%

187 windows

min -5.2% · max 27.8%

93% positive

7-Year rolling

+12.46%

163 windows

min -2.4% · max 24.5%

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

14.22%

3-year · annualised

Sharpe ratio

0.44

vs risk-free 6.5%

Sortino ratio

0.67

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 Fund - Growth Plan	HDFC	₹205.1410	24 Jul 2026
SBI MIDCAP FUND - REGULAR PLAN - GROWTH	SBI	₹241.7656	24 Jul 2026
ICICI Prudential MidCap Fund - Growth	ICICI Prudential	₹331.1600	24 Jul 2026
Franklin India Mid Cap Fund - IDCW	Franklin Templeton	₹85.4545	24 Jul 2026
Kotak Midcap Fund - Regular Plan - Growth	Kotak Mahindra	₹143.7810	24 Jul 2026
UTI Mid Cap Fund-Growth Option	UTI	₹304.8183	24 Jul 2026
Aditya Birla Sun Life Midcap Fund -REGULAR - IDCW	Birla Sun Life	₹57.8700	24 Jul 2026
Invesco India Midcap Fund - Regular Plan - Growth Option	Religare	₹194.5800	24 Jul 2026
NIPPON INDIA GROWTH MID CAP FUND - IDCW Option	Reliance	₹119.1847	24 Jul 2026
quant Mid Cap Fund - Growth Option - Regular Plan	Escorts	₹219.8673	24 Jul 2026

Recent NAVs

Date	NAV
24 Jul 2026	₹144.2427
23 Jul 2026	₹144.1842
22 Jul 2026	₹145.6950
21 Jul 2026	₹147.3237
20 Jul 2026	₹146.4616
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

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 Mid Cap Fund - Regular Plan - IDCW is ₹144.2427. 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 - Regular Plan - IDCW 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 - Regular 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 - Regular Plan - IDCW has delivered a absolute return of -0.01% — -1.16 pp behind the Mid Cap Fund category average of 1.15%. The fund ranks #18 of 27 in its category — the third (Q3) quartile.

Over the trailing 3-year window, UTI Mid Cap Fund - Regular Plan - IDCW has delivered a CAGR of 12.25% — -2.53 pp behind the Mid Cap Fund category average of 14.78%. The fund ranks #17 of 27 in its category — the third (Q3) quartile.

Over the trailing 5-year window, UTI Mid Cap Fund - Regular Plan - IDCW has delivered a CAGR of 12.00% — -1.66 pp behind the Mid Cap Fund category average of 13.66%. The fund ranks #19 of 27 in its category — the third (Q3) quartile.

₹1 lakh invested in UTI Mid Cap Fund - Regular Plan - IDCW exactly 10 years ago would be worth approximately ₹292,915 today — a multiplier of 2.93×, based on the 10-year CAGR of 11.35%. The category average over the same window would have grown ₹1 lakh to ₹334,174.

A ₹10,000 monthly SIP in UTI Mid Cap Fund - Regular Plan - IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹798,781 today. That's an XIRR (money-weighted annualised return) of 11.39%.

A ₹10,000 monthly SIP for 10 years in UTI Mid Cap Fund - Regular Plan - IDCW = ₹1,200,000 invested. It would currently be worth ₹2,450,627 (multiplier 2.04×). XIRR: 13.68%. 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 - Regular Plan - IDCW 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 13.66%; this fund delivered 12.00%.

The worst peak-to-trough decline UTI Mid Cap Fund - Regular Plan - IDCW 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 - Regular Plan - IDCW averaged 12.78% (best 27.78%, worst -5.22%). 93% of rolling windows ended positive. The 5-year Sharpe ratio is 0.41 — weak risk-adjusted performance.

In calendar year 2025, UTI Mid Cap Fund - Regular Plan - IDCW 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 - Regular 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 - Regular 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: 22.9%. 5-year CAGR: 12.00%.

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