Should I invest in UTI Small Cap Fund?

We don't give personal investment advice. UTI Small Cap Fund - Direct Plan - IDCW (Payout) 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 - IDCW (Payout)

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%	-0.57%	-0.03	21 / 35	Q3
1W	-0.47%	-0.78%	+0.31	10 / 35	Q2
2W	+1.03%	+0.24%	+0.79	3 / 35	Q1
1M	+2.91%	+2.49%	+0.42	19 / 35	Q3
3M	+9.37%	+9.82%	-0.46	19 / 35	Q3
6M	+11.52%	+11.04%	+0.47	15 / 34	Q2
YTD	+9.10%	+7.75%	+1.35	12 / 33	Q2
1Y	+3.09%	+2.05%	+1.04	13 / 31	Q2
2Y	+5.39%	+0.72%	+4.67	5 / 28	Q1
3Y	+16.82%	+13.37%	+3.45	8 / 25	Q2
4Y	+19.00%	+16.28%	+2.72	6 / 22	Q2
5Y	+16.57%	+12.69%	+3.88	4 / 22	Q1
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+21.70%	+16.03%	+5.67	6 / 35	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	+9.10%	+7.75%	+1.35	12 / 33
2025	-4.96%	-7.90%	+2.94	8 / 29
2024	+27.99%	+24.76%	+3.23	10 / 27
2023	+36.97%	+37.24%	-0.27	10 / 24
2022	+1.18%	-0.11%	+1.29	8 / 22
2021	+57.78%	+55.27%	+2.51	10 / 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 - IDCW Option - Direct Plan	HDFC	₹64.9880	17 Jul 2026
NIPPON INDIA SMALL CAP FUND - Direct Plan - IDCW Option	Nippon India	₹108.2762	17 Jul 2026
SBI Small Cap Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹142.5935	17 Jul 2026
ICICI Prudential Smallcap Fund - Direct Plan - IDCW	ICICI Prudential	₹69.5500	17 Jul 2026
Invesco India Smallcap Fund - Direct Plan - IDCW (Payout / Reinvestment)	Invesco	₹39.1700	17 Jul 2026
BANDHAN SMALL CAP FUND - DIRECT PLAN IDCW	Bandhan	₹38.6450	17 Jul 2026
quant Small Cap Fund - IDCW Option - Direct Plan	Quant	₹245.0357	17 Jul 2026
Aditya Birla Sun Life Small Cap Fund -Direct - IDCW	Aditya Birla Sun Life	₹76.8382	17 Jul 2026
Motilal Oswal Small Cap Fund - Direct IDCW	Motilal Oswal	₹16.8394	17 Jul 2026
Franklin India Small Cap Fund - Direct - IDCW	Franklin India	₹52.9724	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹29.8340
16 Jul 2026	₹30.0133
15 Jul 2026	₹29.9588
14 Jul 2026	₹29.7508
13 Jul 2026	₹30.0693
10 Jul 2026	₹29.9757
9 Jul 2026	₹29.5997
8 Jul 2026	₹29.0351
7 Jul 2026	₹29.5178
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 - IDCW (Payout) is ₹29.8340. It's a Small Cap Fund from UTI, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

UTI Small Cap Fund - Direct Plan - IDCW (Payout) 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 - IDCW (Payout) 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 - IDCW (Payout) has delivered a absolute return of 3.09% — +1.04 pp ahead of the Small Cap Fund category average of 2.05%. The fund ranks #13 of 31 in its category — the second (Q2) quartile.

Over the trailing 3-year window, UTI Small Cap Fund - Direct Plan - IDCW (Payout) has delivered a CAGR of 16.82% — +3.45 pp ahead of the Small Cap Fund category average of 13.37%. The fund ranks #8 of 25 in its category — the second (Q2) quartile.

Over the trailing 5-year window, UTI Small Cap Fund - Direct Plan - IDCW (Payout) has delivered a CAGR of 16.57% — +3.88 pp ahead of the Small Cap Fund category average of 12.69%. The fund ranks #4 of 22 in its category — the top (Q1) quartile.

₹1 lakh invested in UTI Small Cap Fund - Direct Plan - IDCW (Payout) exactly 5 years ago would be worth approximately ₹215,219 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 ₹181,712.

A ₹10,000 monthly SIP in UTI Small Cap Fund - Direct Plan - IDCW (Payout) over the last 5 years — total invested ₹600,000 — would be worth ₹891,141 today. That's an XIRR (money-weighted annualised return) of 15.82%.

UTI Small Cap Fund - Direct Plan - IDCW (Payout) doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹891,141 — XIRR 15.82%.

On a 5-year basis, UTI Small Cap Fund - Direct Plan - IDCW (Payout) ranks #4 out of 22 funds in the Small Cap Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 12.69%; this fund delivered 16.57%.

The worst peak-to-trough decline UTI Small Cap Fund - Direct Plan - IDCW (Payout) 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 - IDCW (Payout) 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 - IDCW (Payout) returned -4.96% — beating the Small Cap Fund category average of -7.90% by 2.94 pp. It ranked #8 of 29 in its category that year.

UTI Small Cap Fund - Direct Plan - IDCW (Payout) 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 - IDCW (Payout) 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.