Should I invest in UTI MNC Fund?

We don't give personal investment advice. UTI MNC 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: 21.6%. 5-year CAGR: 10.24%.

UTI

UTI MNC Fund - Direct Plan - IDCW

Latest NAV

₹231.7014

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	-0.39%	-0.04%	-0.36	186 / 249	Q3
1W	-0.20%	-0.15%	-0.05	134 / 249	Q3
2W	-0.16%	-0.61%	+0.46	162 / 251	Q3
1M	+1.75%	+1.14%	+0.61	138 / 251	Q3
3M	+4.48%	+3.90%	+0.59	114 / 251	Q2
6M	+0.16%	+2.59%	-2.42	149 / 243	Q3
YTD	-1.05%	+0.68%	-1.73	141 / 241	Q3
1Y	+1.61%	+2.39%	-0.78	120 / 229	Q3
2Y	-0.74%	+0.44%	-1.19	99 / 186	Q3
3Y	+10.25%	+11.53%	-1.27	98 / 151	Q3
4Y	+11.47%	+12.75%	-1.29	84 / 125	Q3
5Y	+10.24%	+9.05%	+1.19	64 / 113	Q3
7Y	+12.31%	+14.43%	-2.12	63 / 92	Q3
10Y	+9.72%	+11.87%	-2.15	55 / 77	Q3
Inception	+12.70%	+10.06%	+2.64	96 / 251	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	-1.05%	+1.51%	-2.56	140 / 237
2025	+3.75%	+1.49%	+2.26	79 / 204
2024	+17.38%	+20.10%	-2.71	92 / 158
2023	+24.31%	+30.21%	-5.90	89 / 131
2022	-0.54%	+1.48%	-2.02	70 / 119
2021	+25.01%	+31.54%	-6.53	62 / 106
2020	+10.50%	+19.90%	-9.40	61 / 95
2019	-0.44%	+6.43%	-6.87	70 / 87
2018	+1.01%	-9.17%	+10.17	16 / 78
2017	+32.11%	+32.45%	-0.33	41 / 77
2016	-6.19%	+2.96%	-9.15	64 / 77

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

+15.47%

153 windows

min -16.9% · max 87.0%

77% positive

3-Year rolling

+12.50%

129 windows

min -1.0% · max 30.2%

98% positive

5-Year rolling

+11.61%

105 windows

min -0.2% · max 22.9%

99% positive

7-Year rolling

+10.88%

80 windows

min 6.2% · max 15.0%

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

12.92%

3-year · annualised

Sharpe ratio

0.31

vs risk-free 6.5%

Sortino ratio

0.48

Downside-only deviation

Max drawdown

-21.57%

Oct 2024 → Feb 2025

% positive months

58.3%

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 Sectoral/Thematic Fund

Scheme	Fund house	NAV	As of
HDFC Banking & Financial Services Fund - IDCW Option - Direct Plan	HDFC	₹17.4480	17 Jul 2026
NIPPON INDIA - JAPAN EQUITY FUND - DIRECT Plan - IDCW Option	Nippon India	₹30.5463	17 Jul 2026
SBI Automotive Opportunities Fund - Direct Plan - Income Distribution Cum Capital Withdrawal Option	SBI	₹12.5864	17 Jul 2026
ICICI Prudential Banking and Financial Services Fund - Direct Plan - IDCW	ICICI Prudential	₹70.0600	17 Jul 2026
Invesco India Business Cycle Fund - Direct Plan - IDCW	Invesco	₹14.5200	17 Jul 2026
Bandhan Business Cycle Fund - Direct Plan - IDCW	Bandhan	₹10.1960	17 Jul 2026
quant BFSI Fund - IDCW Option - Direct Plan	Quant	₹22.0968	17 Jul 2026
Aditya Birla Sun Life Banking and Financial Services Fund - DIRECT - IDCW	Aditya Birla Sun Life	₹32.1000	17 Jul 2026
Motilal Oswal Active Momentum Fund- Direct-IDCW	Motilal Oswal	₹13.5239	17 Jul 2026
Franklin India Multi-Factor Fund- Direct- IDCW	Franklin India	₹9.6426	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹231.7014
16 Jul 2026	₹232.6132
15 Jul 2026	₹231.0592
14 Jul 2026	₹230.6684
13 Jul 2026	₹232.0147
10 Jul 2026	₹232.1653
9 Jul 2026	₹229.8454
8 Jul 2026	₹228.2508
7 Jul 2026	₹232.3505
6 Jul 2026	₹232.6637

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 MNC Fund - Direct Plan - IDCW is ₹231.7014. It's a Sectoral/Thematic Fund from UTI, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

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

Over the trailing 1-year window, UTI MNC Fund - Direct Plan - IDCW has delivered a absolute return of 1.61% — -0.78 pp behind the Sectoral/Thematic Fund category average of 2.39%. The fund ranks #120 of 229 in its category — the third (Q3) quartile.

Over the trailing 3-year window, UTI MNC Fund - Direct Plan - IDCW has delivered a CAGR of 10.25% — -1.27 pp behind the Sectoral/Thematic Fund category average of 11.53%. The fund ranks #98 of 151 in its category — the third (Q3) quartile.

Over the trailing 5-year window, UTI MNC Fund - Direct Plan - IDCW has delivered a CAGR of 10.24% — +1.19 pp ahead of the Sectoral/Thematic Fund category average of 9.05%. The fund ranks #64 of 113 in its category — the third (Q3) quartile.

₹1 lakh invested in UTI MNC Fund - Direct Plan - IDCW exactly 10 years ago would be worth approximately ₹252,882 today — a multiplier of 2.53×, based on the 10-year CAGR of 9.72%. The category average over the same window would have grown ₹1 lakh to ₹306,966.

A ₹10,000 monthly SIP in UTI MNC Fund - Direct Plan - IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹760,437 today. That's an XIRR (money-weighted annualised return) of 9.41%.

A ₹10,000 monthly SIP for 10 years in UTI MNC Fund - Direct Plan - IDCW = ₹1,200,000 invested. It would currently be worth ₹2,076,822 (multiplier 1.73×). XIRR: 10.57%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, UTI MNC Fund - Direct Plan - IDCW ranks #64 out of 113 funds in the Sectoral/Thematic Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 9.05%; this fund delivered 10.24%.

The worst peak-to-trough decline UTI MNC Fund - Direct Plan - IDCW has experienced over the last 5-year window is 21.57% — its NAV fell from a high on 01 Oct 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 MNC Fund - Direct Plan - IDCW averaged 11.61% (best 22.90%, worst -0.21%). 99% of rolling windows ended positive. The 5-year Sharpe ratio is 0.30 — weak risk-adjusted performance.

In calendar year 2025, UTI MNC Fund - Direct Plan - IDCW returned 3.75% — beating the Sectoral/Thematic Fund category average of 1.49% by 2.26 pp. It ranked #79 of 204 in its category that year.

UTI MNC 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 MNC 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: 21.6%. 5-year CAGR: 10.24%.

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