Should I invest in UTI Small Cap Fund?

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

UTI

UTI Small Cap Fund - Regular Plan - IDCW (Payout)

Latest NAV

₹25.6892

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%	+0.50%	+0.45	3 / 27	Q1
1W	-2.23%	-0.71%	-1.52	27 / 27	Q4
2W	-0.34%	+1.08%	-1.43	23 / 27	Q4
1M	-0.26%	+0.30%	-0.56	17 / 27	Q3
3M	+8.47%	+8.06%	+0.41	12 / 26	Q2
6M	-0.37%	+0.29%	-0.66	13 / 25	Q3
YTD	+1.91%	+1.14%	+0.76	12 / 25	Q2
1Y	+2.28%	+1.31%	+0.96	11 / 23	Q2
2Y	+7.75%	+2.57%	+5.18	4 / 20	Q1
3Y	+15.68%	+13.27%	+2.42	7 / 17	Q2
4Y	+15.99%	+14.06%	+1.92	5 / 14	Q2
5Y	+15.57%	+12.58%	+2.99	3 / 14	Q1
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+19.01%	+12.87%	+6.13	5 / 27	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	+1.91%	+1.14%	+0.76	12 / 25
2025	-6.09%	-8.95%	+2.86	7 / 21
2024	+26.37%	+26.60%	-0.23	10 / 19
2023	+34.99%	+35.46%	-0.47	7 / 16
2022	-0.63%	-1.15%	+0.52	5 / 14
2021	+54.65%	+51.10%	+3.55	7 / 13
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 - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹99.4828	3 Jun 2026
Invesco India Smallcap Fund - Regular Plan - IDCW (Payout / Reinvestment)	Invesco	₹30.7400	3 Jun 2026
BANDHAN SMALL CAP FUND - REGULAR PLAN IDCW	Bandhan	₹33.2130	3 Jun 2026
Motilal Oswal Small Cap Fund - Regular - IDCW	Motilal Oswal	₹15.0862	3 Jun 2026
Mirae Asset Small Cap Fund - Regular Plan - IDCW	Mirae Asset	₹11.3530	3 Jun 2026
Edelweiss Small Cap Fund - Regular Plan - IDCW Option	Edelweiss	₹38.1970	3 Jun 2026
DSP Small Cap Fund - Regular - IDCW	DSP	₹56.8460	3 Jun 2026
HSBC Small Cap Fund - Regular IDCW	HSBC	₹37.0614	3 Jun 2026
Baroda BNP Paribas Small Cap Fund - Regular Plan - IDCW option	Baroda BNP Paribas	₹12.8020	3 Jun 2026
CANARA ROBECO SMALL CAP FUND - REGULAR PLAN - IDCW (Payout/Reinvestment)	Canara Robeco	₹32.4400	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹25.6892
2 Jun 2026	₹25.7730
1 Jun 2026	₹25.5313
29 May 2026	₹25.9385
27 May 2026	₹26.2180
26 May 2026	₹26.3605
25 May 2026	₹26.2413
22 May 2026	₹26.0458
21 May 2026	₹26.1144
20 May 2026	₹25.9092

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 - IDCW (Payout) is ₹25.6892. It's a Small Cap Fund from UTI, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

UTI Small Cap Fund - Regular Plan - IDCW (Payout) 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 - 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 - Regular Plan - IDCW (Payout) has delivered a absolute return of 2.28% — +0.96 pp ahead of the Small Cap Fund category average of 1.31%. The fund ranks #11 of 23 in its category — the second (Q2) quartile.

Over the trailing 3-year window, UTI Small Cap Fund - Regular Plan - IDCW (Payout) has delivered a CAGR of 15.68% — +2.42 pp ahead of the Small Cap Fund category average of 13.27%. The fund ranks #7 of 17 in its category — the second (Q2) quartile.

Over the trailing 5-year window, UTI Small Cap Fund - Regular Plan - IDCW (Payout) has delivered a CAGR of 15.57% — +2.99 pp ahead of the Small Cap Fund category average of 12.58%. The fund ranks #3 of 14 in its category — the top (Q1) quartile.

₹1 lakh invested in UTI Small Cap Fund - Regular Plan - IDCW (Payout) exactly 5 years ago would be worth approximately ₹206,146 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 ₹180,810.

A ₹10,000 monthly SIP in UTI Small Cap Fund - Regular Plan - IDCW (Payout) 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 - 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 ₹822,014 — XIRR 12.54%.

On a 5-year basis, UTI Small Cap Fund - Regular Plan - IDCW (Payout) ranks #3 out of 14 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 12.58%; this fund delivered 15.57%.

The worst peak-to-trough decline UTI Small Cap Fund - Regular Plan - IDCW (Payout) 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 - IDCW (Payout) 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 - IDCW (Payout) returned -6.09% — beating the Small Cap Fund category average of -8.95% by 2.86 pp. It ranked #7 of 21 in its category that year.

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

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