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: 17.29%.

UTI

UTI Small Cap Fund - Direct Plan - Growth Option

Latest NAV

₹27.9152

As of

3 Jun 2026

1,339 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	+0.95%	+0.48%	+0.47	3 / 36	Q1
1W	-2.21%	-0.81%	-1.40	36 / 36	Q4
2W	-0.30%	+1.36%	-1.66	32 / 36	Q4
1M	-0.17%	+0.94%	-1.11	28 / 36	Q4
3M	+8.78%	+9.95%	-1.16	20 / 34	Q3
6M	+0.22%	+3.30%	-3.09	27 / 33	Q4
YTD	+2.41%	+4.13%	-1.72	23 / 33	Q3
1Y	+3.51%	+5.56%	-2.04	21 / 32	Q3
2Y	+9.04%	+6.66%	+2.38	10 / 29	Q2
3Y	+17.16%	+18.72%	-1.56	15 / 25	Q3
4Y	+17.57%	+19.54%	-1.97	16 / 22	Q3
5Y	+17.29%	+18.15%	-0.86	16 / 22	Q3
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+20.83%	+17.38%	+3.46	13 / 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	+2.41%	+4.13%	-1.72	23 / 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

+20.04%

55 windows

min -5.2% · max 55.0%

85% positive

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

3-Year rolling

+21.33%

30 windows

min 13.2% · max 30.4%

100% positive

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

5-Year rolling

+19.02%

6 windows

min 17.3% · max 22.0%

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

18.16%

3-year · annualised

Sharpe ratio

0.61

vs risk-free 6.5%

Sortino ratio

1.03

Downside-only deviation

Max drawdown

-22.34%

Dec 2024 → Mar 2025

% positive months

63.9%

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	₹151.9870	3 Jun 2026
Nippon India Small Cap Fund - Direct Plan Growth Plan - Bonus Option	Nippon India	₹193.7635	3 Jun 2026
SBI Small Cap Fund - Direct Plan - Growth	SBI	₹194.0810	3 Jun 2026
ICICI Prudential Smallcap Fund - Direct Plan - Growth	ICICI Prudential	₹96.4400	3 Jun 2026
Invesco India Smallcap Fund - Direct Plan - Growth	Invesco	₹48.1600	3 Jun 2026
BANDHAN SMALL CAP FUND - DIRECT PLAN GROWTH	Bandhan	₹52.6160	3 Jun 2026
quant Small Cap Fund - Growth Option - Direct Plan	Quant	₹293.2340	3 Jun 2026
QUANTUM SMALL CAP FUND - DIRECT PLAN GROWTH OPTION	Quantum	₹13.3000	3 Jun 2026
Aditya Birla Sun Life Small Cap Fund - Growth - Direct Plan	Aditya Birla Sun Life	₹104.2448	3 Jun 2026
Motilal Oswal Small Cap Fund - Direct - Growth	Motilal Oswal	₹15.5856	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹27.9152
2 Jun 2026	₹28.0054
1 Jun 2026	₹27.7418
29 May 2026	₹28.1818
27 May 2026	₹28.4836
26 May 2026	₹28.6375
25 May 2026	₹28.5072
22 May 2026	₹28.2921
21 May 2026	₹28.3658
20 May 2026	₹28.1420

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 Small Cap Fund - Direct Plan - Growth Option is ₹27.9152. 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 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 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 3.51% — -2.04 pp behind the Small Cap Fund category average of 5.56%. The fund ranks #21 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 17.16% — -1.56 pp behind the Small Cap Fund category average of 18.72%. The fund ranks #15 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 17.29% — -0.86 pp behind the Small Cap Fund category average of 18.15%. The fund ranks #16 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 ₹221,967 today — a multiplier of 2.22×, based on the 5-year CAGR of 17.29%. The category average over the same window would have grown ₹1 lakh to ₹230,221.

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 ₹854,295 today. That's an XIRR (money-weighted annualised return) of 14.10%.

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 ₹854,295 — XIRR 14.10%.

On a 5-year basis, UTI Small Cap Fund - Direct Plan - Growth Option ranks #16 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 18.15%; this fund delivered 17.29%.

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 19.02% (best 21.97%, worst 17.29%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.66 — 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: 17.29%.

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