Should I invest in UTI Nifty 50 Index Fund?

We don't give personal investment advice. UTI Nifty 50 Index Fund - Regular Plan - IDCW is suitable for an investor whose:understands what asset class this scheme actually invests in (check the factsheet)matches that asset class's volatility profile to their goal horizonCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 16.6%. 5-year CAGR: 9.39%.

UTI

UTI Nifty 50 Index Fund - Regular Plan - IDCW

Unit split applied to historical metrics

This scheme had a 0.5× unit consolidation on 26 Mar 2008. Returns, SIP simulations and risk metrics on this page are split-adjusted — they reflect what a real investor's portfolio experienced (a consolidation doesn't change portfolio value, only the unit count and per-unit NAV).

Latest NAV

₹82.9569

As of

24 Jul 2026

4,993 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	-0.36%	-0.22%	-0.14	52 / 77	Q3
1W	-2.26%	-1.26%	-1.00	50 / 77	Q3
2W	-1.73%	-1.05%	-0.68	40 / 77	Q3
1M	-0.90%	-0.37%	-0.52	43 / 74	Q3
3M	+0.03%	+1.28%	-1.25	38 / 62	Q3
6M	-4.57%	-0.22%	-4.35	39 / 62	Q3
YTD	-8.54%	-3.35%	-5.19	38 / 61	Q3
1Y	-4.32%	+0.16%	-4.48	38 / 61	Q3
2Y	-0.43%	+1.79%	-2.22	30 / 54	Q3
3Y	+7.41%	+9.29%	-1.87	22 / 52	Q2
4Y	+10.23%	+10.96%	-0.72	13 / 36	Q2
5Y	+9.39%	+8.95%	+0.45	4 / 24	Q1
7Y	+12.14%	+11.49%	+0.65	3 / 23	Q1
10Y	+11.55%	+10.88%	+0.66	3 / 22	Q1
Inception	+10.44%	+7.35%	+3.09	18 / 77	Q1

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	-8.54%	-3.35%	-5.19	38 / 61
2025	+11.11%	+7.96%	+3.15	8 / 57
2024	+9.59%	+12.60%	-3.01	18 / 52
2023	+20.33%	+21.36%	-1.03	15 / 46
2022	+5.33%	+3.06%	+2.27	4 / 30
2021	+24.87%	+23.37%	+1.50	3 / 23
2020	+15.37%	+15.15%	+0.21	9 / 23
2019	+12.75%	+11.82%	+0.94	9 / 23
2018	+5.20%	+4.05%	+1.15	9 / 22
2017	+27.27%	+27.94%	-0.67	15 / 22
2016	+3.79%	+2.43%	+1.35	2 / 22

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

+12.98%

236 windows

min -55.1% · max 95.9%

79% positive

3-Year rolling

+11.44%

211 windows

min -2.3% · max 26.8%

98% positive

5-Year rolling

+11.34%

187 windows

min -0.8% · max 24.3%

98% positive

7-Year rolling

+11.15%

163 windows

min 4.4% · max 17.4%

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

11.04%

3-year · annualised

Sharpe ratio

0.12

vs risk-free 6.5%

Sortino ratio

0.17

Downside-only deviation

Max drawdown

-15.53%

Sep 2024 → Mar 2025

% positive months

66.7%

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 Index Fund

Scheme	Fund house	NAV	As of
HDFC BSE Sensex Index Fund - Growth Plan	HDFC	₹709.2343	24 Jul 2026
Nippon India Index Fund - BSE Sensex Plan - Growth Plan - Bonus Option	Nippon India	₹38.9168	24 Jul 2026
ICICI Prudential BSE Sensex Index Fund - Cumulative Option	ICICI Prudential	₹25.0502	24 Jul 2026
Franklin India Index Fund- NSE Nifty 50 Index Fund - Growth	Franklin Templeton	₹192.7160	24 Jul 2026
UTI Nifty 50 Index Fund - Regular Plan - Growth Option	UTI	₹164.6629	24 Jul 2026
Aditya Birla Sun Life Nifty 50 Index Fund - Growth - Regular Plan	Birla Sun Life	₹242.0041	24 Jul 2026
LIC MF BSE Sensex Index Fund-Regular Plan-Growth	LIC	₹142.4540	24 Jul 2026
Tata Nifty 50 Index Fund -Regular Plan	Tata	₹148.4852	24 Jul 2026

Recent NAVs

Date	NAV
24 Jul 2026	₹82.9569
23 Jul 2026	₹83.2571
22 Jul 2026	₹83.6982
21 Jul 2026	₹84.3641
20 Jul 2026	₹84.5416
17 Jul 2026	₹84.8765
16 Jul 2026	₹83.9552
15 Jul 2026	₹83.9757
14 Jul 2026	₹83.8752
13 Jul 2026	₹84.4285

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 Nifty 50 Index Fund - Regular Plan - IDCW is ₹82.9569. It's a Index Fund from UTI, run as a Unknown plan Growth option. NAVs update once per business day from the AMFI feed.

UTI Nifty 50 Index Fund - Regular Plan - IDCW 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 Nifty 50 Index Fund - Regular Plan - IDCW is managed by UTI. It's classified by AMFI under the 'Index Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, UTI Nifty 50 Index Fund - Regular Plan - IDCW has delivered a absolute return of -4.32% — -4.48 pp behind the Index Fund category average of 0.16%. The fund ranks #38 of 61 in its category — the third (Q3) quartile.

Over the trailing 3-year window, UTI Nifty 50 Index Fund - Regular Plan - IDCW has delivered a CAGR of 7.41% — -1.87 pp behind the Index Fund category average of 9.29%. The fund ranks #22 of 52 in its category — the second (Q2) quartile.

Over the trailing 5-year window, UTI Nifty 50 Index Fund - Regular Plan - IDCW has delivered a CAGR of 9.39% — +0.45 pp ahead of the Index Fund category average of 8.95%. The fund ranks #4 of 24 in its category — the top (Q1) quartile.

₹1 lakh invested in UTI Nifty 50 Index Fund - Regular Plan - IDCW exactly 10 years ago would be worth approximately ₹298,257 today — a multiplier of 2.98×, based on the 10-year CAGR of 11.55%. The category average over the same window would have grown ₹1 lakh to ₹280,953.

A ₹10,000 monthly SIP in UTI Nifty 50 Index Fund - Regular Plan - IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹716,083 today. That's an XIRR (money-weighted annualised return) of 7.01%.

A ₹10,000 monthly SIP for 10 years in UTI Nifty 50 Index Fund - Regular Plan - IDCW = ₹1,200,000 invested. It would currently be worth ₹2,146,169 (multiplier 1.79×). XIRR: 11.19%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, UTI Nifty 50 Index Fund - Regular Plan - IDCW ranks #4 out of 24 funds in the Index Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 8.95%; this fund delivered 9.39%.

The worst peak-to-trough decline UTI Nifty 50 Index Fund - Regular Plan - IDCW has experienced over the last 5-year window is 16.62% — its NAV fell from a high on 18 Oct 2021 to a low on 17 Jun 2022. 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 Nifty 50 Index Fund - Regular Plan - IDCW averaged 11.34% (best 24.29%, worst -0.77%). 98% of rolling windows ended positive. The 5-year Sharpe ratio is 0.26 — weak risk-adjusted performance.

In calendar year 2025, UTI Nifty 50 Index Fund - Regular Plan - IDCW returned 11.11% — beating the Index Fund category average of 7.96% by 3.15 pp. It ranked #8 of 57 in its category that year.

UTI Nifty 50 Index Fund - Regular Plan - IDCW doesn't fit cleanly into the standard Equity/Debt buckets in our taxonomy. Tax treatment depends on actual asset allocation as disclosed by the AMC — check the factsheet or AMFI's classification table.

We don't give personal investment advice. UTI Nifty 50 Index Fund - Regular Plan - IDCW is suitable for an investor whose:

understands what asset class this scheme actually invests in (check the factsheet)
matches that asset class's volatility profile to their goal horizon

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 16.6%. 5-year CAGR: 9.39%.

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