UTI India Consumer Fund · Regular · Growth
NAV
₹58.9845
as of 31 Jul 2026
Expense Ratio
2.46%
AUM
₹669 Cr
Lumpsum returns (CAGR)
- 1Y
- +4.02%
- 3Y
- +11.40%
- 5Y
- +10.52%
- Since Inception
- +9.79%
SIP returns (XIRR)
- 1Y
- +7.28%
- 3Y
- +7.05%
- 5Y
- +9.75%
- Since Inception
- +11.45%
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 (Aug 2016 – Jul 2026)
A ₹5,000 monthly SIP for the last 10 years (Aug 2016 – Jul 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹10,69,062 today — ₹5,95,000 invested, 11.4% XIRR.
₹5,95,000
Invested
₹10,69,062
Value today
11.4%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Aug 2016 – Jul 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹2,84,079 today (11.0% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Aug 2016 would still hold ₹17,71,730.
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹10,69,062 in this fund vs ₹12,17,407 in the benchmark — underperformance of ₹1,48,345.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Aug 2016 – Jul 2026) (22 Mar 2020) would be ₹2,95,120 today (2.95×).
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-0.04
Sharpe Ratio
-0.00
Alpha
0.27
Beta
-0.03
Sortino
14.49%
Std Dev
-17.97%
Max Drawdown
Performance Comparison
Sectoral allocation
as of 31 May 2026- Automobiles24.84%
- Retailing19.79%
- Consumer Durables14.11%
- Telecom - Services6.51%
- Diversified FMCG5.67%
- Industrial Products3.71%
- Food Products3.35%
- Realty3.26%
- Beverages2.89%
- Agricultural Food & other Products2.75%
- Healthcare Services2.39%
- Leisure Services2.26%
Each sector links to the mutual funds most exposed to it.
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Fund Details
Available transactions
Portfolio holdings
portfolio shared with UTI India Consumer Fund - Direct Plan - IDCW
- 1Mahindra & Mahindra Ltd.9.11%
- 2Eternal Limited8.66%
- 3Titan Company Ltd.6.77%
- 4Bharti Airtel Ltd.6.51%
- 5Maruti Suzuki India Ltd.6.07%
- 6Eicher Motors Ltd4.50%
- 7Trent Limited4.33%
- 8Itc Ltd.3.17%
- 9Tvs Motor Company Ltd2.90%
- 10Polycab India Ltd2.76%
Investment Objective
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 ₹669 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against NIFTY INDIA CONSUMPTION TRI. The current expense ratio is 2.46%.
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