UTI India Consumer Fund

Sectoral / ThematicEquity SEBI-regulated

NAV (Direct-Growth)

₹61.8334

As of 1 Jul 2026 · AMFI

AUM

₹663.73 Cr

Expense ratio

1.75%

1Y returns

-0.04%

cat -2.03%

3Y CAGR

+11.49%

cat 10.83%

5Y CAGR

+11.16%

cat 12.81%

Std deviation 3Y

+16.41%

cat 16.27%

In plain English

UTI India Consumer Fund is a Sectoral / Thematic scheme from UTI. The portfolio is ~98% in equities. Long-run track record: about 11.2% CAGR over 5 years. Volatility is typical for equity — 20–30 % drawdowns happen during market stress. Worst historical drawdown: -30% in Mar 2020, recovered in 8 months. Wrong fit if you need this money in less than 7 years.

Auto-generated from holdings, returns and risk data. No paid placement, no copy-pasted boilerplate.

NAV history

NAV (Direct-Growth)

₹61.8334

Last 1Y

-0.83%

Jul 25Min ₹54.13 · Max ₹65.75 · 245 ptsJul 26

Drawdown stories

The crashes you should know about — and how long the fund took to recover.

Mar 2020

-29.7%

Peak ₹29.61 on 27 Aug 2018 → trough ₹20.82 on 23 Mar 2020 (19 months down).

Recovered in 8 months· 20 Nov 2020

Mar 2025 — ongoing

-23.3%

Peak ₹70.23 on 26 Sept 2024 → trough ₹53.88 on 4 Mar 2025 (5 months down).

Not yet recovered

Feb 2016

-21.0%

Peak ₹21.60 on 3 Mar 2015 → trough ₹17.07 on 11 Feb 2016 (12 months down).

Recovered in 7 months· 30 Aug 2016

Jun 2022

-18.7%

Peak ₹43.65 on 17 Nov 2021 → trough ₹35.49 on 17 Jun 2022 (7 months down).

Recovered in 3 months· 13 Sept 2022

Computed from the full NAV history. We show drawdowns deeper than 10%, sorted by depth.

Honesty score

A 1–5 grade on the dimensions other sites won't surface — expense bloat, AUM bloat, concentration, mandate compliance.

Honesty score

2 / 5

Material concerns — review the details carefully or consider alternatives.

Expense ratio
1.75% — significantly above category norm.
AUM size
₹664 Cr.
Sector concentration
Top 3 sectors = 78.6% — heavy concentration risk.

Computed from expense ratio, AUM, sector concentration and SEBI mandate compliance. No paid review.

Performance

Returns for various periods, with category average and peer rank.

Period	Returns	Category avg	Rank
1W	+0.03%	+0.57%	23/ 26
1M	+8.92%	+8.97%	17/ 26
3M	+0.58%	+1.13%	18/ 25
6M	-3.75%	-3.11%	17/ 25
YTD	-3.53%	-3.43%	16/ 25
1Y	-0.04%	-2.03%	10/ 21
2Y	+4.50%	+4.32%	8/ 15
3Y	+11.49%	+10.83%	8/ 11
5Y	+11.16%	+12.81%	11/ 11
7Y	+12.77%	+12.34%	10/ 11
10Y	+11.98%	+14.32%	8/ 8

Portfolio composition

Asset allocation

Equity98.36%
Cash1.61%

By market cap

Large cap73.84%
Mid cap16.86%
Small cap7.85%
Others1.45%

Concentration

Holdings

Avg market cap

₹1.70 L Cr

Top 10 stocks

55.76%

Top 5 stocks

37.72%

Top 3 sectors

78.59%

Top holdings

Top 15 positions by weight, latest disclosure.

#InstrumentSectorWeight

1
Mahindra & Mahindra Ltd
—9.13%
1
Mahindra & Mahindra Ltd
—9.02%
2
Eternal Ltd
—8.41%
2
Eternal Ltd
—8.35%
3
Bharti Airtel Ltd
—7.55%
3
Bharti Airtel Ltd
—7.22%
4
Maruti Suzuki India Ltd
—6.99%
4
Titan Co Ltd
—6.90%
5
Titan Co Ltd
—6.88%
5
Maruti Suzuki India Ltd
—6.06%
6
Eicher Motors Ltd
—4.50%
6
Eicher Motors Ltd
—4.39%
7
Trent Ltd
—4.19%
7
ITC Ltd
—3.46%
8
Trent Ltd
—3.46%

Fundamentals (vs category)

Portfolio-weighted ratios, compared with the category average.

MetricFundCategory avgDiff

P/E ratio38.4039.03-0.63
P/B ratio6.506.56-0.06
Price / Sales3.813.63+0.18
Price / Cash Flow26.0124.25+1.76
Dividend yield1.02%0.95%+0.07
Return on equity (ROE)21.32%20.04%+1.28

Risk metrics

Standard deviation, Sharpe, Sortino, Beta — all vs category average.

Metric1Y3Y5YCat 1YCat 3YCat 5Y

Standard deviation
Volatility — lower means steadier returns.
13.9216.4115.1318.1316.2714.90
Sharpe ratio
Risk-adjusted return — higher is better.
-0.350.320.38-0.420.300.48
Sortino ratio
Like Sharpe but only counts downside volatility.
-0.460.440.56-0.550.420.74
Beta
1 = moves with the market. <1 = less volatile.
0.970.980.920.950.970.91

Peers in Sectoral / Thematic

Other schemes in the same SEBI category, ranked by AUM.

Peer fundAUM1Y3Y CAGRExpense

Peers in same SEBI category, ranked by AUM. Compare any →

Available plans & options

PlanOptionFull nameISIN

DirectGrowthUTI India Consumer Fund - Direct Plan - Growth OptionINF789F01VF3
DirectIDCW ReinvestmentUTI India Consumer Fund - Direct Plan - IDCWINF789F01VG1
RegularGrowthUTI India Consumer Fund - Regular Plan - Growth OptionINF789F01CE6
RegularIDCW ReinvestmentUTI India Consumer Fund - Regular Plan - IDCWINF789F01CF3

NEW

See your SIP through Indian market history

Pick a fund and a start year — get a 60-second cinematic replay of every crash, boom, and headline with your money in it. Real NAV data, no “assumed 12%” lies.

Try Wealth Time Machine

AI · Free

Find what's really inside your funds

Upload your CAS PDF — get instant stock concentration, hidden fund overlap, sector risk, and 3 specific actions, written by AI in plain English.

Run Portfolio X-Ray