Screener > Sectoral / Thematic > UTI India Consumer Fund

UTI India Consumer Fund - Regular Plan - Growth Option

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AMC: UTI Mutual Fund • Category: Sectoral / Thematic • NAV: Rs 58.5936 (2026-11-11) • Rank: #70 in category (#307 overall) • Index Proxy: Nifty 500
🛡️ Lower Volatility 🏷️ Low Expense 🏛️ 10+ Years Proven
Information only. Past performance does not guarantee future returns. Check the scheme documents and consult a qualified professional before investing.

💡 Why Pick This Fund? Quantitative Strengths & Watch-outs

🟢 Key Strengths
  • Delivered positive returns in 99% of 3-year investment horizons.
  • Over 19 years of operational history across different market cycles.
🟡 Things to Keep in Mind
  • Downside capture of 115% indicates larger drops during broader market downturns.
  • Experienced a maximum drawdown of -56.9% during severe market crashes.
₹90₹114₹137₹160₹184Aug '21Apr '24Nov '26
UTI India Consumer Fund
Proxy (Nifty 500)

Key Statistics vs Category Median

Fund Size
Rs 742 cr
Category: Rs 804 cr (comfortable)
Total Expense (TER)
2.43%
Category Median: 2.52%
Base Expense (BER)
2.03%
Excludes levies & brokerage
Sharpe Ratio
0.32
Category Median: 0.34
Beta
0.83
Category Median: 0.97
Alpha
-0.70%
Category Median: +1.89%
Standard Deviation
13.99%
Category Median: 16.05%
MFIQ Score
3.5/10
Weak
Lagging category peers on risk-adjusted returns, downside protection, or expense drag.
Returns (30%) 2.7/10
3Y CAGR 10.1% vs category median 13.2% (-3.1 points); 5Y CAGR 7.5%.
Risk Management (30%) 2.4/10
Sharpe ratio 0.32 (cat median 0.34), downside capture 115.3%, max fall -56.9%.
Consistency (20%) 3.9/10
99.1% of 3Y rolling windows positive; beat category median in 1 of 5 calendar years.
Cost Efficiency (20%) 5.7/10
Total expense ratio 2.43% vs category median 2.52% (-0.09% points).
Ranked #70 of 221 in Sectoral / Thematic. Percentile standing measured against category cohort.

Trailing Returns Comparison

Period Fund Return Category Median Difference
1 Month +8.92% +6.32% +2.60%
3 Months -2.33% -0.20% -2.13%
6 Months +6.31% +5.98% +0.33%
1 Year -1.06% +3.90% -4.96%
3 Years CAGR +10.12% +13.23% -3.11%
5 Years CAGR +7.54% +10.72% -3.18%
7 Years CAGR +11.71% +15.35% -3.64%
10 Years CAGR +11.28% +14.26% -2.98%
Since Inception +9.62% - -

📈 Monthly SIP vs Bank Fixed Deposit (FD) Replay

See how a regular monthly SIP in UTI India Consumer Fund compares against a standard 7.0% p.a. Bank Fixed Deposit.

Bank FD Benchmark
7.0% p.a. Fixed Deposit
Total Invested: ₹3,60,000
Maturity Value: ₹4,01,630
Interest Earned: +₹41,630
Actual Historical Performance
UTI India Consumer Fund
CAGR: +10.12%
Fund Value: Calculating...
Extra Wealth Over FD: +₹0

Calendar Year Returns

Year Fund Category Median Gap
2026 -1.43% +4.03% -5.46%
2025 +3.83% +1.43% +2.40%
2024 +20.25% +20.41% -0.16%
2023 +23.05% +30.70% -7.65%
2022 -2.32% +1.66% -3.98%
2021 +26.40% +30.31% -3.91%
2020 +15.21% +13.54% +1.67%
2019 +5.78% +7.11% -1.33%
2018 -2.45% -5.94% +3.49%
2017 +32.64% +39.22% -6.58%
2016 +3.23% +4.10% -0.87%
2015 -1.87% +1.85% -3.72%
2014 +32.59% +52.06% -19.47%
2013 +5.83% -4.06% +9.89%
2012 +33.14% +26.60% +6.54%
2011 -13.93% -23.05% +9.12%
2010 +22.98% +18.91% +4.07%
2009 +63.16% +77.75% -14.59%
2008 -48.03% -57.13% +9.10%

Daily Rolling Returns Summary

Rolling Window Minimum Average Median Maximum % Positive % Beating Proxy
1-Year Rolling -50.34% +12.20% +10.44% +93.08% 75.6% 23.5%
3-Year Rolling -3.56% +12.23% +12.08% +31.05% 99.1% 2.4%
5-Year Rolling -0.44% +11.95% +12.09% +23.65% 99.9% 0.0%

Risk Profile & Deepest Drawdowns

Sortino Ratio
0.46
Category: 0.46
R-Squared
0.742
Correlation with Proxy
Upside Capture
103.3%
Monthly return ratio
Downside Capture
115.3%
Lower is better

Deepest Market Corrections (Depth >= 10%)

Peak Date Trough Date Fall Depth Months to Bottom Recovery Period
2008-01-07 2009-03-09 -56.9% 14 months 18 months
2018-08-27 2020-03-23 -30.3% 19 months 8 months
2024-09-26 2026-03-23 -24.0% 18 months Not yet recovered

Portfolio & Asset Allocation

Statutory Asset Allocation Mandate (SEBI / SID)

Instrument Category Permitted Allocation Range
Equity and equity related instruments of entities related to the theme of Indian Lifestyle & are part of benchmark sectors 80% - 100% Money Market Instruments and other instruments permissible under residual porti: 0% - 20%

Investment Objective & Strategy

The objective of the scheme is to generate long term capital appreciation by investing predominantly in companies that are expected to benefit from the growth of consumption, changing demographics, consumer aspirations and lifestyle. However, there can be no assurance or guarantee that the investment objective of the scheme would be achieved.

ℹ️ Detailed monthly stock-level holdings for this scheme are updated periodically from asset management company statutory disclosures.

Fund Size Position

Currently managing Rs 742 cr (AMFI Daily Fund AUM as of 2026-11-11). Positioned as comfortable relative to Sectoral / Thematic schemes.

Too Small Small Comfortable Stretched Strained

Fund Management

Vicky Punjabi
Managing scheme since 2025-06-16
1.4 yrs tenure

Cost & Capital Gains Taxation

From April 2026 the total expense ratio includes brokerage, transaction costs and statutory levies on top of the base fee.

Applicable Tax Structure

Equity-oriented schemes: 20% short-term capital gains tax if sold within 12 months; 12.5% long-term capital gains tax on gains exceeding ₹1.25 lakh per financial year when held for more than 12 months.

Tax rules as of 23 July 2024. Verify before investing.

Closest Sectoral / Thematic Peers by Rank

Scheme Score 3Y Return Expense Downside Fund Size Compare
Mirae Asset Great Consumer Fund 5.3 +10.37% 2.06% 112.0% Rs 4,796 cr Compare →
Aditya Birla Sun Life Banking and Financial Services Fund 4.5 +10.55% 1.98% 102.9% Rs 3,657 cr Compare →
Kotak Quant Fund 4.5 +10.96% 2.50% 109.8% Rs 438 cr Compare →
SBI TECHNOLOGY OPPORTUNITIES FUND 5.4 +10.26% 1.97% 54.3% Rs 4,546 cr Compare →
Tata Infrastructure Fund 4.6 +11.39% 2.10% 122.6% Rs 2,002 cr Compare →

Frequently Asked Questions about UTI India Consumer Fund

What is the expense ratio of UTI India Consumer Fund?

UTI India Consumer Fund has a total expense ratio (TER) of 2.43% with a base expense ratio of 2.03%, compared to the Sectoral / Thematic category median of 2.52%.

Who manages UTI India Consumer Fund?

UTI India Consumer Fund is managed by Vicky Punjabi (tenure: 1.4 years since 2025-06-16).

What are the historical returns of UTI India Consumer Fund?

UTI India Consumer Fund delivered a 3-year CAGR of 10.12% and a 5-year CAGR of 7.54%. Its 1-year return stands at -1.06%.

How large is UTI India Consumer Fund?

UTI India Consumer Fund manages assets of Rs 742 cr, placing it in the 'comfortable' size band relative to Sectoral / Thematic peers.

How is UTI India Consumer Fund scored on MFIQ?

UTI India Consumer Fund holds an MFIQ Score of 3.5/10 (Weak), based on a category percentile composite across returns, risk, consistency, and cost.

How risky is UTI India Consumer Fund?

UTI India Consumer Fund has an official SEBI riskometer rating of Very High. Over the analyzed period, its annualized standard deviation is 13.99% with a maximum historical drawdown of -56.92%.