Should I invest in UTI - MNC Fund?

We don't give personal investment advice. UTI - MNC Fund - Regular Plan - Growth Option 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: 21.9%. 5-year CAGR: 8.57%.

UTI

UTI - MNC Fund - Regular Plan - Growth Option

Latest NAV

₹392.8627

As of

24 Jul 2026

4,992 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	-0.05%	-0.24%	+0.20	27 / 122	Q1
1W	-1.27%	-1.20%	-0.06	66 / 122	Q3
2W	-1.48%	-1.38%	-0.10	69 / 122	Q3
1M	+0.12%	-0.33%	+0.45	57 / 122	Q2
3M	+3.66%	+2.77%	+0.89	45 / 122	Q2
6M	+1.21%	+4.75%	-3.54	78 / 122	Q3
YTD	-2.70%	+0.21%	-2.91	68 / 122	Q3
1Y	+0.57%	+1.48%	-0.91	57 / 120	Q2
2Y	-1.83%	+1.54%	-3.37	72 / 116	Q3
3Y	+9.09%	+13.01%	-3.92	87 / 114	Q4
4Y	+9.62%	+14.55%	-4.93	85 / 106	Q4
5Y	+8.57%	+11.72%	-3.15	77 / 104	Q3
7Y	+11.66%	+14.88%	-3.21	76 / 99	Q4
10Y	+9.63%	+11.23%	-1.60	65 / 93	Q3
Inception	+12.24%	+10.97%	+1.27	46 / 122	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	-2.70%	+0.11%	-2.82	65 / 118
2025	+2.91%	+3.20%	-0.28	48 / 115
2024	+16.38%	+19.60%	-3.22	70 / 113
2023	+23.26%	+31.56%	-8.30	87 / 108
2022	-1.44%	+2.19%	-3.62	62 / 104
2021	+23.86%	+32.41%	-8.55	62 / 102
2020	+12.88%	+18.32%	-5.44	53 / 100
2019	-1.28%	+5.50%	-6.78	78 / 97
2018	+0.09%	-10.07%	+10.16	14 / 94
2017	+35.43%	+30.10%	+5.33	36 / 93
2016	-3.50%	-0.25%	-3.25	60 / 93

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

+15.68%

236 windows

min -42.6% · max 90.2%

79% positive

3-Year rolling

+15.26%

211 windows

min -5.7% · max 37.9%

99% positive

5-Year rolling

+15.14%

187 windows

min 1.1% · max 26.0%

100% positive

7-Year rolling

+14.99%

163 windows

min 7.2% · max 29.7%

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

11.80%

3-year · annualised

Sharpe ratio

0.24

vs risk-free 6.5%

Sortino ratio

0.34

Downside-only deviation

Max drawdown

-21.86%

Oct 2024 → Apr 2025

% positive months

72.2%

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	HDFC	₹17.7760	24 Jul 2026
Nippon India Japan Equity Fund- Growth Plan- Bonus Option	Nippon India	₹27.1441	24 Jul 2026
SBI COMMA Fund - REGULAR PLAN - Growth	SBI	₹114.8349	24 Jul 2026
ICICI Prudential Active Momentum Fund - Growth	ICICI Prudential	₹10.5800	24 Jul 2026
Franklin Asian Equity Fund - Growth Plan	Franklin Templeton	₹43.3220	24 Jul 2026
Franklin India Multi-Factor Fund- Growth	Franklin India	₹9.3942	24 Jul 2026
Kotak Infrastructure & Economic Reform Fund - Standard Plan-Growth	Kotak	₹68.1110	24 Jul 2026
CANARA ROBECO INFRASTRUCTURE FUND - REGULAR PLAN - GROWTH OPTION	Canara Robeco	₹166.1100	24 Jul 2026
UTI Banking and Financial Services Fund - Regular Plan - Growth Option	UTI	₹193.4298	24 Jul 2026
Aditya Birla Sun Life Consumption Fund -Regular - IDCW	Birla Sun Life	₹35.4300	24 Jul 2026

Recent NAVs

Date	NAV
24 Jul 2026	₹392.8627
23 Jul 2026	₹393.0500
22 Jul 2026	₹396.4099
21 Jul 2026	₹398.1877
20 Jul 2026	₹397.8125
17 Jul 2026	₹397.9086
16 Jul 2026	₹399.4827
15 Jul 2026	₹396.8221
14 Jul 2026	₹396.1592
13 Jul 2026	₹398.4797

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 - MNC Fund - Regular Plan - Growth Option is ₹392.8627. It's a Sectoral/Thematic Fund from UTI, run as a Unknown plan Growth option. NAVs update once per business day from the AMFI feed.

UTI - MNC Fund - Regular Plan - Growth Option 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 - MNC Fund - Regular Plan - Growth Option 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 - Regular Plan - Growth Option has delivered a absolute return of 0.57% — -0.91 pp behind the Sectoral/Thematic Fund category average of 1.48%. The fund ranks #57 of 120 in its category — the second (Q2) quartile.

Over the trailing 3-year window, UTI - MNC Fund - Regular Plan - Growth Option has delivered a CAGR of 9.09% — -3.92 pp behind the Sectoral/Thematic Fund category average of 13.01%. The fund ranks #87 of 114 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, UTI - MNC Fund - Regular Plan - Growth Option has delivered a CAGR of 8.57% — -3.15 pp behind the Sectoral/Thematic Fund category average of 11.72%. The fund ranks #77 of 104 in its category — the third (Q3) quartile.

₹1 lakh invested in UTI - MNC Fund - Regular Plan - Growth Option exactly 10 years ago would be worth approximately ₹250,701 today — a multiplier of 2.51×, based on the 10-year CAGR of 9.63%. The category average over the same window would have grown ₹1 lakh to ₹289,792.

A ₹10,000 monthly SIP in UTI - MNC Fund - Regular Plan - Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹737,616 today. That's an XIRR (money-weighted annualised return) of 8.19%.

A ₹10,000 monthly SIP for 10 years in UTI - MNC Fund - Regular Plan - Growth Option = ₹1,200,000 invested. It would currently be worth ₹2,002,435 (multiplier 1.67×). XIRR: 9.88%. 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 - Regular Plan - Growth Option ranks #77 out of 104 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 11.72%; this fund delivered 8.57%.

The worst peak-to-trough decline UTI - MNC Fund - Regular Plan - Growth Option has experienced over the last 5-year window is 21.86% — its NAV fell from a high on 01 Oct 2024 to a low on 07 Apr 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 - Regular Plan - Growth Option averaged 15.14% (best 26.01%, worst 1.07%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.22 — weak risk-adjusted performance.

In calendar year 2025, UTI - MNC Fund - Regular Plan - Growth Option returned 2.91% — lagging the Sectoral/Thematic Fund category average of 3.20% by 0.28 pp. It ranked #48 of 115 in its category that year.

UTI - MNC Fund - Regular Plan - Growth Option 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 - Regular Plan - Growth Option 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: 21.9%. 5-year CAGR: 8.57%.

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