Should I invest in UTI Small Cap Fund?

We don't give personal investment advice. UTI Small Cap 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: 22.5%. 5-year CAGR: 15.57%.

UTI

UTI Small Cap Fund - Regular Plan - Growth Option

Latest NAV

₹25.6894

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 / 27	Q1
1W	-2.23%	-0.69%	-1.54	27 / 27	Q4
2W	-0.34%	+1.47%	-1.82	24 / 27	Q4
1M	-0.26%	+1.02%	-1.28	21 / 27	Q4
3M	+8.47%	+10.12%	-1.66	16 / 25	Q3
6M	-0.37%	+3.06%	-3.43	20 / 24	Q4
YTD	+1.91%	+3.98%	-2.07	17 / 24	Q3
1Y	+2.28%	+4.95%	-2.68	16 / 23	Q3
2Y	+7.75%	+6.32%	+1.43	9 / 20	Q2
3Y	+15.68%	+17.81%	-2.12	10 / 16	Q3
4Y	+15.99%	+17.92%	-1.94	9 / 13	Q3
5Y	+15.57%	+16.41%	-0.84	10 / 13	Q4
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+19.01%	+15.19%	+3.82	10 / 27	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	+1.91%	+3.98%	-2.07	17 / 24
2025	-6.09%	-5.58%	-0.51	14 / 21
2024	+26.37%	+28.55%	-2.19	10 / 19
2023	+34.99%	+39.81%	-4.82	10 / 15
2022	-0.63%	+0.62%	-1.25	7 / 13
2021	+54.65%	+57.64%	-2.99	9 / 12
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

+18.23%

55 windows

min -6.3% · max 51.9%

84% positive

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

3-Year rolling

+19.55%

30 windows

min 11.5% · max 28.2%

100% positive

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

5-Year rolling

+17.23%

6 windows

min 15.6% · max 20.1%

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

18.13%

3-year · annualised

Sharpe ratio

0.54

vs risk-free 6.5%

Sortino ratio

0.90

Downside-only deviation

Max drawdown

-22.54%

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
SBI Small Cap Fund - Regular Plan - Growth	SBI	₹168.3911	3 Jun 2026
Invesco India Smallcap Fund - Regular Plan - Growth	Invesco	₹42.9700	3 Jun 2026
BANDHAN SMALL CAP FUND - REGULAR PLAN GROWTH	Bandhan	₹47.7120	3 Jun 2026
QUANTUM SMALL CAP FUND - REGULAR PLAN GROWTH OPTION	Quantum	₹12.8000	3 Jun 2026
Motilal Oswal Small Cap Fund - Regular - Growth	Motilal Oswal	₹15.0859	3 Jun 2026
Mirae Asset Small Cap Fund - Regular Plan - Growth	Mirae Asset	₹11.3500	3 Jun 2026
Edelweiss Small Cap Fund - Regular Plan - Growth	Edelweiss	₹43.9560	3 Jun 2026
DSP BlackRock Micro Cap Fund - Regular - Growth	DSP BlackRock	₹207.4660	3 Jun 2026
HSBC Small Cap Fund - Regular Growth	HSBC	₹81.8992	3 Jun 2026
Baroda BNP Paribas Small Cap Fund - Regular Plan - Growth option	Baroda BNP Paribas	₹13.1378	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹25.6894
2 Jun 2026	₹25.7732
1 Jun 2026	₹25.5315
29 May 2026	₹25.9387
27 May 2026	₹26.2182
26 May 2026	₹26.3607
25 May 2026	₹26.2415
22 May 2026	₹26.0460
21 May 2026	₹26.1146
20 May 2026	₹25.9094

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 - Regular Plan - Growth Option is ₹25.6894. It's a Small Cap Fund from UTI, run as a Regular plan Growth option. NAVs update once per business day from the AMFI feed.

UTI Small Cap Fund - Regular 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 - Regular 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 - Regular Plan - Growth Option has delivered a absolute return of 2.28% — -2.68 pp behind the Small Cap Fund category average of 4.95%. The fund ranks #16 of 23 in its category — the third (Q3) quartile.

Over the trailing 3-year window, UTI Small Cap Fund - Regular Plan - Growth Option has delivered a CAGR of 15.68% — -2.12 pp behind the Small Cap Fund category average of 17.81%. The fund ranks #10 of 16 in its category — the third (Q3) quartile.

Over the trailing 5-year window, UTI Small Cap Fund - Regular Plan - Growth Option has delivered a CAGR of 15.57% — -0.84 pp behind the Small Cap Fund category average of 16.41%. The fund ranks #10 of 13 in its category — the bottom (Q4) quartile.

₹1 lakh invested in UTI Small Cap Fund - Regular Plan - Growth Option exactly 5 years ago would be worth approximately ₹206,148 today — a multiplier of 2.06×, based on the 5-year CAGR of 15.57%. The category average over the same window would have grown ₹1 lakh to ₹213,735.

A ₹10,000 monthly SIP in UTI Small Cap Fund - Regular Plan - Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹822,014 today. That's an XIRR (money-weighted annualised return) of 12.54%.

UTI Small Cap Fund - Regular 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 ₹822,014 — XIRR 12.54%.

On a 5-year basis, UTI Small Cap Fund - Regular Plan - Growth Option ranks #10 out of 13 funds in the Small Cap Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 16.41%; this fund delivered 15.57%.

The worst peak-to-trough decline UTI Small Cap Fund - Regular Plan - Growth Option has experienced over the last 5-year window is 22.54% — 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 - Regular Plan - Growth Option averaged 17.23% (best 20.10%, worst 15.57%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.57 — reasonable risk-adjusted performance.

In calendar year 2025, UTI Small Cap Fund - Regular Plan - Growth Option returned -6.09% — lagging the Small Cap Fund category average of -5.58% by 0.51 pp. It ranked #14 of 21 in its category that year.

UTI Small Cap 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 Small Cap 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: 22.5%. 5-year CAGR: 15.57%.

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