UTI India Consumer Fund · Regular · Growth
NAV
₹58.3011
as of 13 Nov 2026
Expense Ratio
2.43%
AUM
₹720 Cr
Lumpsum returns (CAGR)
- 1Y
- -1.85%
- 3Y
- +9.91%
- 5Y
- +7.19%
- Since Inception
- +9.57%
SIP returns (XIRR)
- 1Y
- +7.24%
- 3Y
- +4.29%
- 5Y
- +8.30%
- Since Inception
- +11.08%
Returns calculated from 01 January 2021 onwards due to a structural change in the scheme on that date. Earlier NAV history is preserved but excluded from multi-year return calculations. Periods spanning this date show —.
What history actually did — last 10 years (Nov 2016 – Nov 2026)
A ₹5,000 monthly SIP for the last 10 years (Nov 2016 – Nov 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹10,35,309 today — ₹6,00,000 invested, 10.6% XIRR.
₹6,00,000
Invested
₹10,35,309
Value today
10.6%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Nov 2016 – Nov 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹2,96,254 today (11.5% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Nov 2016 would still hold ₹19,27,236.
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹10,35,309 in this fund vs ₹11,99,859 in the benchmark — underperformance of ₹1,64,550.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Nov 2016 – Nov 2026) (22 Mar 2020) would be ₹2,91,701 today (2.92×).
Historical simulation using actual published NAVs for the stated period. Past performance may or may not be sustained in the future. Not investment advice.
Risk Metrics
Trailing 1 year, annualised-0.21
Sharpe Ratio
-0.01
Alpha
0.95
Beta
-0.21
Sortino
13.95%
Std Dev
-17.97%
Max Drawdown
Performance Comparison
Sectoral allocation
as of 30 Sept 2026- Automobiles25.12%
- Retailing19.38%
- Consumer Durables13.64%
- Telecom - Services5.60%
- Diversified FMCG4.97%
- Food Products3.93%
- Realty3.40%
- Beverages3.28%
- Agricultural Food & other Products2.86%
- Industrial Products2.81%
- Leisure Services2.56%
- Healthcare Services2.54%
Each sector links to the mutual funds most exposed to it.
Related reading
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Fund Details
Available transactions
Portfolio holdings
- 1Eternal Limited9.40%
- 2Mahindra & Mahindra Ltd.9.22%
- 3Titan Company Ltd.7.43%
- 4Bharti Airtel Ltd.5.60%
- 5Maruti Suzuki India Ltd.5.23%
- 6Eicher Motors Ltd4.66%
- 7Trent Limited4.03%
- 8Tvs Motor Company Ltd3.66%
- 9Nestle India Ltd.3.10%
- 10Tata Consumer Products Ltd2.86%
What this fund does
UTI India Consumer Fund · Regular · Growth invests in stocks from a specific sector or theme, offering concentrated exposure to a particular area of the economy. These funds carry sector-specific risks but can deliver significant returns when the underlying sector performs well.
About This Fund
UTI India Consumer Fund · Regular · Growth is a Sectoral / Thematic mutual fund offered by UTI Mutual Fund. The fund has been operational for over 19 years. It manages assets worth ₹720 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against NIFTY INDIA CONSUMPTION TRI. The current expense ratio is 2.43%.
Who Should Invest?
- •Aggressive investors comfortable with significant short-term volatility
- •Investors with a long-term horizon of 7+ years who can ride out market cycles
- •SIP investors who can benefit from rupee cost averaging during market fluctuations