Should I invest in UTI Value Fund?

We don't give personal investment advice. UTI Value 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: 17.3%. 5-year CAGR: 13.35%.

UTI

UTI Value Fund - Direct Plan - Growth Option

Latest NAV

₹184.6430

As of

17 Jul 2026

3,330 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	+0.65%	+0.23%	+0.42	2 / 21	Q1
1W	+0.14%	-0.05%	+0.19	8 / 21	Q2
2W	+1.14%	+0.21%	+0.94	2 / 21	Q1
1M	+1.86%	+1.33%	+0.53	7 / 21	Q2
3M	+2.29%	+2.96%	-0.67	12 / 21	Q3
6M	-2.69%	+1.98%	-4.67	18 / 21	Q4
YTD	-4.07%	+0.49%	-4.56	18 / 21	Q4
1Y	-1.05%	+2.99%	-4.04	16 / 21	Q4
2Y	+1.35%	+1.93%	-0.58	12 / 20	Q3
3Y	+14.83%	+15.69%	-0.85	14 / 20	Q3
4Y	+16.25%	+18.45%	-2.20	15 / 17	Q4
5Y	+13.35%	+14.69%	-1.33	14 / 15	Q4
7Y	+16.82%	+17.17%	-0.35	9 / 12	Q3
10Y	+14.08%	+14.46%	-0.38	8 / 11	Q3
Inception	+13.68%	+15.97%	-2.29	17 / 21	Q4

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	-4.07%	+0.49%	-4.56	18 / 21
2025	+7.57%	+5.37%	+2.20	7 / 20
2024	+24.11%	+21.06%	+3.06	6 / 20
2023	+27.07%	+35.80%	-8.73	17 / 18
2022	+5.04%	+7.17%	-2.13	10 / 17
2021	+30.74%	+36.76%	-6.02	11 / 13
2020	+19.61%	+15.89%	+3.72	2 / 12
2019	+10.76%	+2.90%	+7.86	2 / 12
2018	-1.03%	-9.33%	+8.30	1 / 11
2017	+28.82%	+41.39%	-12.57	10 / 11
2016	+2.92%	+6.52%	-3.61	9 / 11

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

+16.70%

153 windows

min -19.9% · max 65.7%

83% positive

3-Year rolling

+14.86%

129 windows

min -1.5% · max 31.5%

98% positive

5-Year rolling

+14.64%

105 windows

min 0.5% · max 29.5%

100% positive

7-Year rolling

+14.11%

80 windows

min 7.0% · max 19.3%

100% positive

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

13.04%

3-year · annualised

Sharpe ratio

0.63

vs risk-free 6.5%

Sortino ratio

1.08

Downside-only deviation

Max drawdown

-17.23%

Sep 2024 → Apr 2025

% positive months

66.7%

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 Value Fund

Scheme	Fund house	NAV	As of
HDFC Value Fund - Growth Option - Direct Plan	HDFC	₹880.8230	17 Jul 2026
Nippon India Value Fund - Direct Plan Growth Plan	Nippon India	₹250.1799	17 Jul 2026
ICICI Prudential Value Fund (erstwhile Value Discovery Fund) - Direct Plan - Growth	ICICI Prudential	₹515.3400	17 Jul 2026
Bandhan Value Fund - Direct Plan - Growth	Bandhan	₹168.4590	17 Jul 2026
Quant Value Fund - Growth Option - Direct Plan	Quant	₹24.7343	17 Jul 2026
Aditya Birla Sun Life Value Fund - Growth - Direct Plan	Aditya Birla Sun Life	₹154.6449	17 Jul 2026
DSP Value Fund - Direct Plan - Growth	DSP	₹24.8900	16 Jul 2026
HSBC Value Fund - Direct Growth	HSBC	₹128.5756	17 Jul 2026
Baroda BNP Paribas Value Fund - Direct Plan - Growth option	Baroda BNP Paribas	₹14.2818	17 Jul 2026
Canara Robeco Value Fund - Direct Plan - Growth Option	Canara Robeco	₹19.3700	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹184.6430
16 Jul 2026	₹183.4496
15 Jul 2026	₹183.9007
14 Jul 2026	₹183.6084
13 Jul 2026	₹184.7030
10 Jul 2026	₹184.3838
9 Jul 2026	₹182.3325
8 Jul 2026	₹180.7128
7 Jul 2026	₹184.0434
6 Jul 2026	₹183.8228

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 Value Fund - Direct Plan - Growth Option is ₹184.6430. It's a Value Fund from UTI, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

UTI Value Fund - Direct Plan - Growth Option has NAV history starting from 02 Jan 2013, a track record of about 13 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 Value Fund - Direct Plan - Growth Option is managed by UTI. It's classified by AMFI under the 'Value Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, UTI Value Fund - Direct Plan - Growth Option has delivered a absolute return of -1.05% — -4.04 pp behind the Value Fund category average of 2.99%. The fund ranks #16 of 21 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, UTI Value Fund - Direct Plan - Growth Option has delivered a CAGR of 14.83% — -0.85 pp behind the Value Fund category average of 15.69%. The fund ranks #14 of 20 in its category — the third (Q3) quartile.

Over the trailing 5-year window, UTI Value Fund - Direct Plan - Growth Option has delivered a CAGR of 13.35% — -1.33 pp behind the Value Fund category average of 14.69%. The fund ranks #14 of 15 in its category — the bottom (Q4) quartile.

₹1 lakh invested in UTI Value Fund - Direct Plan - Growth Option exactly 10 years ago would be worth approximately ₹373,230 today — a multiplier of 3.73×, based on the 10-year CAGR of 14.08%. The category average over the same window would have grown ₹1 lakh to ₹385,942.

A ₹10,000 monthly SIP in UTI Value Fund - Direct Plan - Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹818,693 today. That's an XIRR (money-weighted annualised return) of 12.38%.

A ₹10,000 monthly SIP for 10 years in UTI Value Fund - Direct Plan - Growth Option = ₹1,200,000 invested. It would currently be worth ₹2,625,502 (multiplier 2.19×). XIRR: 14.96%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, UTI Value Fund - Direct Plan - Growth Option ranks #14 out of 15 funds in the Value Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 14.69%; this fund delivered 13.35%.

The worst peak-to-trough decline UTI Value Fund - Direct Plan - Growth Option has experienced over the last 5-year window is 17.26% — its NAV fell from a high on 17 Jan 2022 to a low on 17 Jun 2022. 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 Value Fund - Direct Plan - Growth Option averaged 14.64% (best 29.51%, worst 0.46%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.49 — weak risk-adjusted performance.

In calendar year 2025, UTI Value Fund - Direct Plan - Growth Option returned 7.57% — beating the Value Fund category average of 5.37% by 2.20 pp. It ranked #7 of 20 in its category that year.

UTI Value 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 Value 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: 17.3%. 5-year CAGR: 13.35%.

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