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: 10.72%.

UTI

UTI MNC Fund - Direct Plan - IDCW

Latest NAV

₹222.6184

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	+0.49%	+0.27%	+0.22	80 / 249	Q2
1W	-0.42%	-1.33%	+0.91	49 / 249	Q1
2W	+0.63%	-0.44%	+1.06	102 / 251	Q2
1M	+0.38%	-0.98%	+1.36	94 / 251	Q2
3M	+0.66%	+0.91%	-0.25	130 / 249	Q3
6M	-4.62%	-3.35%	-1.27	132 / 241	Q3
YTD	-4.39%	-3.40%	-0.99	130 / 241	Q3
1Y	+2.40%	+2.11%	+0.29	97 / 225	Q2
2Y	+2.76%	+1.79%	+0.97	78 / 181	Q2
3Y	+11.20%	+12.30%	-1.10	87 / 142	Q3
4Y	+11.85%	+11.74%	+0.11	74 / 122	Q3
5Y	+10.72%	+8.93%	+1.80	53 / 111	Q2
7Y	+10.80%	+13.08%	-2.29	62 / 92	Q3
10Y	+9.84%	+12.03%	-2.18	55 / 77	Q3
Inception	+12.53%	+8.52%	+4.01	90 / 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	-4.39%	-2.64%	-1.75	128 / 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

+15.35%

152 windows

min -20.2% · max 89.1%

79% positive

3-Year rolling

+12.20%

127 windows

min -2.9% · max 29.7%

99% positive

5-Year rolling

+11.53%

103 windows

min -1.2% · max 21.1%

99% positive

7-Year rolling

+10.82%

79 windows

min 6.2% · max 14.8%

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

13.47%

3-year · annualised

Sharpe ratio

0.38

vs risk-free 6.5%

Sortino ratio

0.56

Downside-only deviation

Max drawdown

-21.57%

Oct 2024 → Feb 2025

% positive months

69.4%

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	₹15.9390	3 Jun 2026
NIPPON INDIA - JAPAN EQUITY FUND - DIRECT Plan - IDCW Option	Nippon India	₹31.2458	3 Jun 2026
SBI Automotive Opportunities Fund - Direct Plan - Income Distribution Cum Capital Withdrawal Option	SBI	₹11.7560	3 Jun 2026
ICICI Prudential Banking and Financial Services Fund - Direct Plan - IDCW	ICICI Prudential	₹64.9400	3 Jun 2026
Invesco India Business Cycle Fund - Direct Plan - IDCW	Invesco	₹13.3100	3 Jun 2026
Bandhan Business Cycle Fund - Direct Plan - IDCW	Bandhan	₹9.6290	3 Jun 2026
quant BFSI Fund - IDCW Option - Direct Plan	Quant	₹20.2732	3 Jun 2026
Aditya Birla Sun Life Banking and Financial Services Fund - DIRECT - IDCW	Aditya Birla Sun Life	₹29.4200	3 Jun 2026
Motilal Oswal Active Momentum Fund- Direct-IDCW	Motilal Oswal	₹13.3281	3 Jun 2026
Franklin India Multi-Factor Fund- Direct- IDCW	Franklin India	₹9.3581	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹222.6184
2 Jun 2026	₹223.8717
1 Jun 2026	₹222.7849
29 May 2026	₹224.7892
27 May 2026	₹227.0939
26 May 2026	₹224.8072
25 May 2026	₹224.5264
22 May 2026	₹223.1787
21 May 2026	₹223.3406
20 May 2026	₹222.5843

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 MNC Fund - Direct Plan - IDCW is ₹222.6184. 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 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 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 2.40% — +0.29 pp ahead of the Sectoral/Thematic Fund category average of 2.11%. The fund ranks #97 of 225 in its category — the second (Q2) quartile.

Over the trailing 3-year window, UTI MNC Fund - Direct Plan - IDCW has delivered a CAGR of 11.20% — -1.1 pp behind the Sectoral/Thematic Fund category average of 12.30%. The fund ranks #87 of 142 in its category — the third (Q3) quartile.

Over the trailing 5-year window, UTI MNC Fund - Direct Plan - IDCW has delivered a CAGR of 10.72% — +1.8 pp ahead of the Sectoral/Thematic Fund category average of 8.93%. The fund ranks #53 of 111 in its category — the second (Q2) quartile.

₹1 lakh invested in UTI MNC Fund - Direct Plan - IDCW exactly 10 years ago would be worth approximately ₹255,694 today — a multiplier of 2.56×, based on the 10-year CAGR of 9.84%. The category average over the same window would have grown ₹1 lakh to ₹311,351.

A ₹10,000 monthly SIP in UTI MNC Fund - Direct Plan - IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹744,472 today. That's an XIRR (money-weighted annualised return) of 8.56%.

A ₹10,000 monthly SIP for 10 years in UTI MNC Fund - Direct Plan - IDCW = ₹1,200,000 invested. It would currently be worth ₹2,025,278 (multiplier 1.69×). XIRR: 10.09%. 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 #53 out of 111 funds in the Sectoral/Thematic Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 8.93%; this fund delivered 10.72%.

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 11.53% (best 21.09%, worst -1.25%). 99% of rolling windows ended positive. The 5-year Sharpe ratio is 0.36 — 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: 10.72%.

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