Should I invest in UTI Small Cap Fund?

We don't give personal investment advice. UTI Small Cap Fund - Direct 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: 22.3%. 5-year CAGR: 16.57%.

UTI

UTI Small Cap Fund - Direct Plan - Growth Option

Latest NAV

₹29.8340

As of

17 Jul 2026

1,370 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	-0.60%	-0.55%	-0.05	22 / 36	Q3
1W	-0.47%	-0.78%	+0.30	10 / 36	Q2
2W	+1.03%	+0.21%	+0.81	3 / 36	Q1
1M	+2.91%	+2.84%	+0.07	19 / 36	Q3
3M	+9.37%	+10.77%	-1.40	23 / 36	Q3
6M	+11.52%	+14.16%	-2.64	23 / 34	Q3
YTD	+9.10%	+10.96%	-1.87	19 / 33	Q3
1Y	+3.09%	+6.25%	-3.16	24 / 32	Q3
2Y	+5.39%	+4.89%	+0.50	13 / 29	Q2
3Y	+16.82%	+18.29%	-1.47	16 / 25	Q3
4Y	+19.00%	+21.13%	-2.13	16 / 22	Q3
5Y	+16.57%	+17.21%	-0.64	14 / 22	Q3
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+21.70%	+19.38%	+2.32	14 / 36	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	+9.10%	+10.96%	-1.87	19 / 33
2025	-4.96%	-4.11%	-0.85	20 / 30
2024	+27.99%	+27.89%	+0.10	10 / 28
2023	+36.97%	+43.05%	-6.08	18 / 24
2022	+1.18%	+2.92%	-1.74	13 / 22
2021	+57.78%	+63.14%	-5.36	16 / 21
2020	—	—	—	—

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

+19.42%

56 windows

min -6.0% · max 58.5%

91% positive

Limited basis — fund is young, so this average may be skewed by which 1Y windows happen to be available.

3-Year rolling

+21.87%

32 windows

min 16.7% · max 31.3%

100% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

+19.12%

8 windows

min 16.6% · max 22.3%

100% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

7-Year rolling

—

Insufficient history

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

18.03%

3-year · annualised

Sharpe ratio

0.59

vs risk-free 6.5%

Sortino ratio

0.94

Downside-only deviation

Max drawdown

-22.34%

Dec 2024 → Mar 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 Small Cap Fund

Scheme	Fund house	NAV	As of
HDFC Small Cap Fund - Growth Option - Direct Plan	HDFC	₹160.5300	17 Jul 2026
Nippon India Small Cap Fund - Direct Plan Growth Plan - Bonus Option	Nippon India	₹203.5938	17 Jul 2026
SBI Small Cap Fund - Direct Plan - Growth	SBI	₹208.9152	17 Jul 2026
ICICI Prudential Smallcap Fund - Direct Plan - Growth	ICICI Prudential	₹100.5000	17 Jul 2026
Invesco India Smallcap Fund - Direct Plan - Growth	Invesco	₹52.7200	17 Jul 2026
BANDHAN SMALL CAP FUND - DIRECT PLAN GROWTH	Bandhan	₹55.5270	17 Jul 2026
quant Small Cap Fund - Growth Option - Direct Plan	Quant	₹313.4689	17 Jul 2026
QUANTUM SMALL CAP FUND - DIRECT PLAN GROWTH OPTION	Quantum	₹13.9100	17 Jul 2026
Aditya Birla Sun Life Small Cap Fund - Growth - Direct Plan	Aditya Birla Sun Life	₹109.4685	17 Jul 2026
Motilal Oswal Small Cap Fund - Direct - Growth	Motilal Oswal	₹16.8394	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹29.8340
16 Jul 2026	₹30.0133
15 Jul 2026	₹29.9589
14 Jul 2026	₹29.7508
13 Jul 2026	₹30.0693
10 Jul 2026	₹29.9758
9 Jul 2026	₹29.5997
8 Jul 2026	₹29.0351
7 Jul 2026	₹29.5179
6 Jul 2026	₹29.7101

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 Small Cap Fund - Direct Plan - Growth Option is ₹29.8340. It's a Small Cap Fund from UTI, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

UTI Small Cap Fund - Direct Plan - Growth Option has NAV history starting from 23 Dec 2020, a track record of about 5 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 Small Cap Fund - Direct Plan - Growth Option is managed by UTI. It's classified by AMFI under the 'Small Cap Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, UTI Small Cap Fund - Direct Plan - Growth Option has delivered a absolute return of 3.09% — -3.16 pp behind the Small Cap Fund category average of 6.25%. The fund ranks #24 of 32 in its category — the third (Q3) quartile.

Over the trailing 3-year window, UTI Small Cap Fund - Direct Plan - Growth Option has delivered a CAGR of 16.82% — -1.47 pp behind the Small Cap Fund category average of 18.29%. The fund ranks #16 of 25 in its category — the third (Q3) quartile.

Over the trailing 5-year window, UTI Small Cap Fund - Direct Plan - Growth Option has delivered a CAGR of 16.57% — -0.64 pp behind the Small Cap Fund category average of 17.21%. The fund ranks #14 of 22 in its category — the third (Q3) quartile.

₹1 lakh invested in UTI Small Cap Fund - Direct Plan - Growth Option exactly 5 years ago would be worth approximately ₹215,214 today — a multiplier of 2.15×, based on the 5-year CAGR of 16.57%. The category average over the same window would have grown ₹1 lakh to ₹221,176.

A ₹10,000 monthly SIP in UTI Small Cap Fund - Direct Plan - Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹891,136 today. That's an XIRR (money-weighted annualised return) of 15.82%.

UTI Small Cap Fund - Direct Plan - Growth Option doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹891,136 — XIRR 15.82%.

On a 5-year basis, UTI Small Cap Fund - Direct Plan - Growth Option ranks #14 out of 22 funds in the Small Cap Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 17.21%; this fund delivered 16.57%.

The worst peak-to-trough decline UTI Small Cap Fund - Direct Plan - Growth Option has experienced over the last 5-year window is 22.34% — its NAV fell from a high on 11 Dec 2024 to a low on 03 Mar 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 Small Cap Fund - Direct Plan - Growth Option averaged 19.12% (best 22.28%, worst 16.57%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.59 — reasonable risk-adjusted performance.

In calendar year 2025, UTI Small Cap Fund - Direct Plan - Growth Option returned -4.96% — lagging the Small Cap Fund category average of -4.11% by 0.85 pp. It ranked #20 of 30 in its category that year.

UTI Small Cap Fund - Direct 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 Small Cap Fund - Direct 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: 22.3%. 5-year CAGR: 16.57%.

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