UTI Flexi Cap Fund
Direct · GrowthAI Summary
UTI Flexi Cap Fund has delivered a 10Y SIP XIRR of 13.81% and a 5Y SIP XIRR of 15.04%, but it trails the category average SIP XIRR across all periods, including 13.81% vs 16.09% over 10Y and 12.44% vs 14.89% over 3Y. Against the NIFTY 50, the fund shows positive lump-sum alpha over most windows, such as 3.05% over 12Y and 3.69% over 7Y, though 5Y alpha is negative at -0.94%. The 1Y XIRR of 10.2% also lags the category average of 15.6%, indicating recent underperformance versus peers.
The fund exhibits a defensive risk profile with a beta of roughly 0.85-0.87 across long horizons and consistently lower downside capture (81.5% to 85.33%) than upside capture, cushioning losses in weak markets. It has experienced 7 drawdown events greater than 10%, and the maximum drawdown duration of 40 days with a 199-day recovery shows it can take over six months to regain prior highs. Calmar ratios of around 0.41-0.47 across horizons indicate moderate risk-adjusted efficiency relative to its drawdowns.
Detailed holdings and sector data were not provided in this dataset, so specific top holdings and sector concentrations cannot be assessed. As a flexi cap fund, it invests across large, mid, and small caps, and its beta below 1 versus the NIFTY 50 suggests meaningful allocation beyond pure large caps with a defensive tilt. Investors should review the latest factsheet for current portfolio composition before investing.
The fund underperforms the category average SIP XIRR at every measured horizon, with gaps of 3.37 percentage points over 7Y (14.59% vs 15.57%) and 2.28 points over 12Y (13.42% vs 15.4%). However, its lump-sum calendar year record shows strong upside years such as 47.29% in 2014, 34.18% in 2021, and 30.96% in 2017, alongside contained losses like -13.83% in 2022. This suggests steady benchmark-beating lump-sum performance but middling positioning within its peer group on SIP returns.
This fund suits investors seeking diversified exposure across market capitalizations with below-benchmark volatility and a long investment horizon of 7 years or more, as evidenced by consistent long-term lump-sum outperformance versus the NIFTY 50. It is appropriate for moderate risk tolerance given its lower downside capture, but investors should accept that SIP returns currently trail category peers. Those prioritizing top-quartile SIP performance within the flexi cap category may want to compare alternatives.
- Consistent positive alpha versus NIFTY 50 over 1Y, 3Y, 7Y, 10Y, 12Y, and 15Y lump-sum horizons, including 3.69% over 7Y and 3.05% over 12Y
- Defensive downside capture of 81.5% to 85.33% across horizons, limiting losses in market downturns relative to the benchmark
- Strong calendar year gains in bull markets, such as 47.29% in 2014, 34.18% in 2021, and 32.19% in 2020
- SIP XIRR trails the category average at every horizon, including 13.81% vs 16.09% over 10Y and 12.44% vs 14.89% over 3Y
- Negative 5Y lump-sum alpha of -0.94% versus the NIFTY 50, with fund CAGR of 6.72% against the benchmark's 7.83%
- Seven drawdown events exceeding 10% and a 199-day recovery from the maximum drawdown indicate meaningful interim losses for investors
Generated on 02-09-2026, 2:53 AM. Verify before investing.
Gives more importance to longer time periods (10Y, 20Y) than shorter ones (1Y, 3Y). This balances out recent outperformance and gives a more realistic picture of what long-term returns might look like.
The largest peak-to-trough decline in the fund's NAV. Shows the worst-case loss an investor would have experienced at any point in the fund's history.
If you invested ₹1,00,000 every month via SIP, here's how this fund has historically performed across different time horizons.
| Duration | Invested | Median Value | XIRR | Min XIRR | Max XIRR |
|---|---|---|---|---|---|
| 1 Year | ₹12.00 L | ₹12.74 L | 16.6% | -46.1% | 103.6% |
| 3 Years | ₹36.00 L | ₹42.68 L | 13.6% | -13.8% | 43.0% |
| 5 Years | ₹60.00 L | ₹84.07 L | 13.9% | -3.6% | 28.7% |
| 7 Years | ₹84.00 L | ₹1.38 Cr | 14.4% | 2.1% | 23.0% |
| 10 Years | ₹1.20 Cr | ₹2.45 Cr | 13.6% | 9.1% | 16.7% |
| 12 Years | ₹1.44 Cr | ₹3.39 Cr | 13.1% | 9.7% | 15.8% |
SIP returns vs benchmark & category
Annualised SIP return (XIRR) over each rolling horizon — like-for-like, not lump-sum.
| Duration | Fund SIP XIRR | NIFTY 50 | Category avg | Fund edge |
|---|---|---|---|---|
| 1 Year | 16.6% | 14.4% | 15.6% | +2.2% |
| 3 Years | 13.6% | 11.1% | 14.9% | +2.5% |
| 5 Years | 13.9% | 10.4% | 15.6% | +3.5% |
| 7 Years | 14.4% | 10.6% | 15.6% | +3.8% |
| 10 Years | 13.6% | 11.5% | 16.1% | +2.2% |
| 12 Years | 13.1% | 11.4% | 15.4% | +1.7% |
| Duration | Mean | Median | Min | Max | Sharpe | Sortino | % Positive | Cat. Mean | Cat. Median |
|---|---|---|---|---|---|---|---|---|---|
| 1 Year | 15.9% | 13.0% | -23.7% | 100.3% | 0.47 | 1.48 | 81% | — | — |
| 3 Years | 14.0% | 13.3% | -1.4% | 30.0% | 1.35 | 11.80 | 100% | — | — |
| 5 Years | 14.5% | 15.3% | 1.3% | 23.6% | 1.83 | 19.10 | 100% | — | — |
| 10 Years | 13.9% | 13.9% | 11.1% | 17.0% | 5.49 | — | 100% | — | — |
Calmar Ratio by Duration
Compared against NIFTY 50
| Duration | Alpha | Beta | Upside Capture | Downside Capture | Fund CAGR | Bench CAGR |
|---|---|---|---|---|---|---|
| 1 Year | +5.41 | 0.97 | 97.1% | 89.0% | 2.8% | -2.9% |
| 3 Years | +3.09 | 0.86 | 89.2% | 84.3% | 10.7% | 7.8% |
| 5 Years | -0.94 | 0.87 | 85.7% | 85.3% | 6.7% | 7.8% |
| 7 Years | +3.69 | 0.84 | 86.3% | 81.5% | 14.7% | 11.8% |
| 10 Years | +2.16 | 0.85 | 86.3% | 82.8% | 12.3% | 10.8% |
| 12 Years | +3.05 | 0.86 | 87.9% | 83.5% | 12.4% | 9.8% |
| 15 Years | +2.97 | 0.86 | 87.9% | 83.2% | 12.2% | 9.7% |