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: 10.24%.

UTI

UTI - MNC Fund - Growth Option - Direct

Latest NAV

₹446.6681

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%	-0.05%	-0.35	193 / 258	Q3
1W	-0.20%	-0.18%	-0.02	141 / 258	Q3
2W	-0.16%	-0.17%	+0.02	166 / 259	Q3
1M	+1.75%	+1.63%	+0.12	144 / 259	Q3
3M	+4.48%	+4.83%	-0.34	123 / 259	Q2
6M	+0.16%	+4.61%	-4.44	170 / 250	Q3
YTD	-1.05%	+2.98%	-4.03	173 / 247	Q3
1Y	+1.61%	+5.46%	-3.85	159 / 235	Q3
2Y	-0.74%	+4.09%	-4.83	144 / 187	Q4
3Y	+10.25%	+15.93%	-5.68	127 / 148	Q4
4Y	+11.47%	+17.58%	-6.11	112 / 121	Q4
5Y	+10.24%	+13.72%	-3.48	92 / 110	Q4
7Y	+12.80%	+17.79%	-5.00	81 / 91	Q4
10Y	+10.84%	+14.89%	-4.05	71 / 76	Q4
Inception	+14.12%	+12.07%	+2.05	117 / 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	-1.05%	+3.40%	-4.45	172 / 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

+17.02%

153 windows

min -14.4% · max 92.9%

82% positive

3-Year rolling

+14.17%

129 windows

min 1.1% · max 33.2%

100% positive

5-Year rolling

+13.26%

105 windows

min 2.6% · max 26.4%

100% positive

7-Year rolling

+12.51%

80 windows

min 8.3% · max 17.9%

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 - Growth Option - Direct Plan	HDFC	₹19.7420	17 Jul 2026
Nippon India Active Momentum Fund-Direct Plan - Growth Option	Nippon India	₹13.0154	17 Jul 2026
ICICI Prudential Active Momentum Fund - Direct Plan - Growth	ICICI Prudential	₹10.8700	17 Jul 2026
Invesco India Business Cycle Fund - Direct Plan - Growth	Invesco	₹14.5000	17 Jul 2026
Bandhan Business Cycle Fund - Direct Plan - Growth	Bandhan	₹10.1960	17 Jul 2026
quant BFSI Fund - Growth Option - Direct Plan	Quant	₹22.0723	17 Jul 2026
QUANTUM ESG BEST IN CLASS STRATEGY FUND - DIRECT PLAN - GROWTH OPTION	Quantum	₹24.7900	17 Jul 2026
Aditya Birla Sun Life Banking and Financial Services Fund - Direct Plan - Growth	Aditya Birla Sun Life	₹72.8200	17 Jul 2026
Motilal Oswal Active Momentum Fund- Direct-Growth	Motilal Oswal	₹13.5242	17 Jul 2026
Franklin India Multi-Factor Fund- Direct- Growth	Franklin India	₹9.6426	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹446.6681
16 Jul 2026	₹448.4259
15 Jul 2026	₹445.4300
14 Jul 2026	₹444.6767
13 Jul 2026	₹447.2721
10 Jul 2026	₹447.5623
9 Jul 2026	₹443.0901
8 Jul 2026	₹440.0162
7 Jul 2026	₹447.9194
6 Jul 2026	₹448.5233

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 - Growth Option - Direct is ₹446.6681. 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 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 - 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 1.61% — -3.85 pp behind the Sectoral/Thematic Fund category average of 5.46%. The fund ranks #159 of 235 in its category — the third (Q3) quartile.

Over the trailing 3-year window, UTI - MNC Fund - Growth Option - Direct has delivered a CAGR of 10.25% — -5.68 pp behind the Sectoral/Thematic Fund category average of 15.93%. The fund ranks #127 of 148 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, UTI - MNC Fund - Growth Option - Direct has delivered a CAGR of 10.24% — -3.48 pp behind the Sectoral/Thematic Fund category average of 13.72%. The fund ranks #92 of 110 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 ₹279,818 today — a multiplier of 2.80×, based on the 10-year CAGR of 10.84%. The category average over the same window would have grown ₹1 lakh to ₹400,745.

A ₹10,000 monthly SIP in UTI - MNC Fund - Growth Option - Direct over the last 5 years — total invested ₹600,000 — would be worth ₹760,436 today. That's an XIRR (money-weighted annualised return) of 9.41%.

A ₹10,000 monthly SIP for 10 years in UTI - MNC Fund - Growth Option - Direct = ₹1,200,000 invested. It would currently be worth ₹2,125,139 (multiplier 1.77×). XIRR: 11.00%. 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 #92 out of 110 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 13.72%; this fund delivered 10.24%.

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 13.26% (best 26.39%, worst 2.60%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.30 — 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: 10.24%.

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

UTI - MNC Fund - Growth Option - Direct

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Sectoral/Thematic Fund

Recent NAVs

Frequently asked questions

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