Should I invest in UTI - MNC Fund?

We don't give personal investment advice. UTI - MNC 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: 21.6%. 5-year CAGR: 10.72%.

UTI

UTI - MNC Fund - Growth Option - Direct

Latest NAV

₹429.1581

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	84 / 258	Q2
1W	-0.42%	-1.34%	+0.92	51 / 258	Q1
2W	+0.63%	+0.04%	+0.59	103 / 259	Q2
1M	+0.38%	-0.39%	+0.77	101 / 259	Q2
3M	+0.66%	+2.19%	-1.54	144 / 257	Q3
6M	-4.62%	-1.09%	-3.53	152 / 247	Q3
YTD	-4.39%	-1.30%	-3.09	146 / 247	Q3
1Y	+2.40%	+5.02%	-2.61	119 / 230	Q3
2Y	+2.76%	+5.50%	-2.74	114 / 182	Q3
3Y	+11.20%	+16.94%	-5.74	113 / 139	Q4
4Y	+11.85%	+16.57%	-4.72	103 / 119	Q4
5Y	+10.72%	+13.73%	-3.00	87 / 109	Q4
7Y	+11.28%	+16.42%	-5.15	81 / 91	Q4
10Y	+10.96%	+15.07%	-4.11	72 / 76	Q4
Inception	+13.97%	+10.45%	+3.52	109 / 259	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%	-0.94%	-3.46	144 / 244
2025	+3.75%	+4.41%	-0.66	105 / 208
2024	+17.38%	+23.18%	-5.79	111 / 155
2023	+24.31%	+33.51%	-9.20	104 / 127
2022	-0.54%	+4.32%	-4.87	75 / 116
2021	+25.01%	+34.43%	-9.42	67 / 104
2020	+13.89%	+21.19%	-7.30	53 / 94
2019	-0.44%	+9.30%	-9.74	78 / 85
2018	+1.01%	-5.36%	+6.36	21 / 77
2017	+36.57%	+35.61%	+0.97	41 / 76
2016	-2.57%	+4.98%	-7.56	59 / 76

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

+16.97%

152 windows

min -17.7% · max 95.1%

82% positive

3-Year rolling

+13.89%

127 windows

min -0.8% · max 32.7%

99% positive

5-Year rolling

+13.18%

103 windows

min 1.5% · max 24.5%

100% positive

7-Year rolling

+12.47%

79 windows

min 8.3% · max 17.5%

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 - Growth Option - Direct Plan	HDFC	₹18.0340	3 Jun 2026
Nippon India Active Momentum Fund-Direct Plan - Growth Option	Nippon India	₹12.1791	3 Jun 2026
SBI Automotive Opportunities Fund - Direct Plan - Growth	SBI	₹11.7563	3 Jun 2026
ICICI Prudential Active Momentum Fund - Direct Plan - Growth	ICICI Prudential	₹10.6800	3 Jun 2026
Invesco India Business Cycle Fund - Direct Plan - Growth	Invesco	₹13.3000	3 Jun 2026
Bandhan Business Cycle Fund - Direct Plan - Growth	Bandhan	₹9.6290	3 Jun 2026
quant BFSI Fund - Growth Option - Direct Plan	Quant	₹20.2506	3 Jun 2026
QUANTUM ESG BEST IN CLASS STRATEGY FUND - DIRECT PLAN - GROWTH OPTION	Quantum	₹23.5100	3 Jun 2026
Aditya Birla Sun Life Banking and Financial Services Fund - Direct Plan - Growth	Aditya Birla Sun Life	₹66.7400	3 Jun 2026
Motilal Oswal Active Momentum Fund- Direct-Growth	Motilal Oswal	₹13.3284	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹429.1581
2 Jun 2026	₹431.5742
1 Jun 2026	₹429.4792
29 May 2026	₹433.3430
27 May 2026	₹437.7858
26 May 2026	₹433.3776
25 May 2026	₹432.8362
22 May 2026	₹430.2383
21 May 2026	₹430.5504
20 May 2026	₹429.0924

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 - Growth Option - Direct is ₹429.1581. It's a Sectoral/Thematic Fund from UTI, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

UTI - MNC 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 - MNC Fund - Growth Option - Direct 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 - Growth Option - Direct has delivered a absolute return of 2.40% — -2.61 pp behind the Sectoral/Thematic Fund category average of 5.02%. The fund ranks #119 of 230 in its category — the third (Q3) quartile.

Over the trailing 3-year window, UTI - MNC Fund - Growth Option - Direct has delivered a CAGR of 11.20% — -5.74 pp behind the Sectoral/Thematic Fund category average of 16.94%. The fund ranks #113 of 139 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, UTI - MNC Fund - Growth Option - Direct has delivered a CAGR of 10.72% — -3 pp behind the Sectoral/Thematic Fund category average of 13.73%. The fund ranks #87 of 109 in its category — the bottom (Q4) quartile.

₹1 lakh invested in UTI - MNC Fund - Growth Option - Direct exactly 10 years ago would be worth approximately ₹282,928 today — a multiplier of 2.83×, based on the 10-year CAGR of 10.96%. The category average over the same window would have grown ₹1 lakh to ₹407,181.

A ₹10,000 monthly SIP in UTI - MNC Fund - Growth Option - Direct over the last 5 years — total invested ₹600,000 — would be worth ₹744,471 today. That's an XIRR (money-weighted annualised return) of 8.56%.

A ₹10,000 monthly SIP for 10 years in UTI - MNC Fund - Growth Option - Direct = ₹1,200,000 invested. It would currently be worth ₹2,075,966 (multiplier 1.73×). XIRR: 10.56%. 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 - Growth Option - Direct ranks #87 out of 109 funds in the Sectoral/Thematic Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 13.73%; this fund delivered 10.72%.

The worst peak-to-trough decline UTI - MNC Fund - Growth Option - Direct 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 - Growth Option - Direct averaged 13.18% (best 24.53%, worst 1.54%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.36 — weak risk-adjusted performance.

In calendar year 2025, UTI - MNC Fund - Growth Option - Direct returned 3.75% — lagging the Sectoral/Thematic Fund category average of 4.41% by 0.66 pp. It ranked #105 of 208 in its category that year.

UTI - MNC 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 - MNC 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: 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.