Should I invest in UTI Value Fund?

We don't give personal investment advice. UTI Value Fund - Direct Plan - IDCW 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 - IDCW

Latest NAV

₹60.2187

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%	+0.24%	+0.41	2 / 25	Q1
1W	+0.14%	-0.02%	+0.16	11 / 25	Q2
2W	+1.14%	+0.27%	+0.87	2 / 25	Q1
1M	+1.86%	+1.45%	+0.40	10 / 25	Q2
3M	+2.29%	+2.99%	-0.70	15 / 25	Q3
6M	-2.69%	-0.33%	-2.36	16 / 25	Q3
YTD	-4.07%	-1.77%	-2.30	16 / 25	Q3
1Y	-1.05%	-0.28%	-0.77	14 / 25	Q3
2Y	+1.35%	-1.14%	+2.49	8 / 24	Q2
3Y	+14.83%	+12.05%	+2.78	9 / 24	Q2
4Y	+16.25%	+14.77%	+1.48	10 / 21	Q2
5Y	+13.35%	+11.20%	+2.15	7 / 19	Q2
7Y	+15.93%	+13.49%	+2.44	3 / 16	Q1
10Y	+12.16%	+9.53%	+2.62	2 / 12	Q1
Inception	+10.60%	+11.74%	-1.13	17 / 25	Q3

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%	-1.77%	-2.30	16 / 25
2025	+7.57%	+2.36%	+5.21	6 / 24
2024	+24.11%	+17.07%	+7.05	5 / 24
2023	+27.07%	+31.81%	-4.74	17 / 22
2022	+5.04%	+3.53%	+1.52	10 / 21
2021	+30.74%	+29.77%	+0.97	7 / 17
2020	+19.61%	+13.82%	+5.78	1 / 16
2019	+5.02%	+0.15%	+4.87	6 / 16
2018	-6.23%	-14.34%	+8.12	2 / 15
2017	+21.00%	+31.86%	-10.86	11 / 12
2016	-2.70%	+0.11%	-2.81	8 / 12

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

+13.46%

153 windows

min -24.1% · max 65.7%

78% positive

3-Year rolling

+11.68%

129 windows

min -6.4% · max 31.5%

92% positive

5-Year rolling

+11.43%

105 windows

min -5.4% · max 29.5%

94% positive

7-Year rolling

+10.80%

80 windows

min 1.4% · max 17.5%

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 - IDCW Option - Direct Plan	HDFC	₹45.5650	17 Jul 2026
NIPPON INDIA VALUE FUND - DIRECT Plan - IDCW Option	Nippon India	₹66.0701	17 Jul 2026
ICICI Prudential Value Fund (erstwhile Value Discovery Fund) - Direct Plan - IDCW	ICICI Prudential	₹116.3400	17 Jul 2026
Bandhan Value Fund - Direct Plan - IDCW	Bandhan	₹48.6540	17 Jul 2026
Quant Value Fund - IDCW Option - Direct Plan	Quant	₹23.5007	17 Jul 2026
Aditya Birla Sun Life Value Fund - Direct - IDCW	Aditya Birla Sun Life	₹82.5302	17 Jul 2026
DSP Value Fund - Direct Plan - IDCW	DSP	₹18.8520	16 Jul 2026
HSBC Value Fund - Direct IDCW	HSBC	₹63.6283	17 Jul 2026
Baroda BNP Paribas Value Fund - Direct Plan - IDCW option	Baroda BNP Paribas	₹13.0224	17 Jul 2026
Canara Robeco Value Fund - Direct Plan - IDCW (Payout/Reinvestment)	Canara Robeco	₹18.2100	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹60.2187
16 Jul 2026	₹59.8295
15 Jul 2026	₹59.9767
14 Jul 2026	₹59.8813
13 Jul 2026	₹60.2383
10 Jul 2026	₹60.1342
9 Jul 2026	₹59.4652
8 Jul 2026	₹58.9370
7 Jul 2026	₹60.0232
6 Jul 2026	₹59.9512

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 - IDCW is ₹60.2187. It's a Value Fund from UTI, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

UTI Value Fund - Direct Plan - IDCW 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 - IDCW 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 - IDCW has delivered a absolute return of -1.05% — -0.77 pp behind the Value Fund category average of -0.28%. The fund ranks #14 of 25 in its category — the third (Q3) quartile.

Over the trailing 3-year window, UTI Value Fund - Direct Plan - IDCW has delivered a CAGR of 14.83% — +2.78 pp ahead of the Value Fund category average of 12.05%. The fund ranks #9 of 24 in its category — the second (Q2) quartile.

Over the trailing 5-year window, UTI Value Fund - Direct Plan - IDCW has delivered a CAGR of 13.35% — +2.15 pp ahead of the Value Fund category average of 11.20%. The fund ranks #7 of 19 in its category — the second (Q2) quartile.

₹1 lakh invested in UTI Value Fund - Direct Plan - IDCW exactly 10 years ago would be worth approximately ₹314,927 today — a multiplier of 3.15×, based on the 10-year CAGR of 12.16%. The category average over the same window would have grown ₹1 lakh to ₹248,537.

A ₹10,000 monthly SIP in UTI Value Fund - Direct Plan - IDCW 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 - IDCW = ₹1,200,000 invested. It would currently be worth ₹2,504,025 (multiplier 2.09×). XIRR: 14.08%. 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 - IDCW ranks #7 out of 19 funds in the Value Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 11.20%; this fund delivered 13.35%.

The worst peak-to-trough decline UTI Value Fund - Direct Plan - IDCW 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 - IDCW averaged 11.43% (best 29.51%, worst -5.37%). 94% 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 - IDCW returned 7.57% — beating the Value Fund category average of 2.36% by 5.21 pp. It ranked #6 of 24 in its category that year.

UTI Value Fund - Direct Plan - IDCW 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 - IDCW 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.