UTI Healthcare Fund
Direct · GrowthAI Summary
UTI Healthcare Fund has delivered a 1Y SIP XIRR of 16.64% and a 3Y XIRR of 19.76%, beating the category averages of 10.56% and 16.17% respectively, while its 5Y, 7Y, and 10Y XIRRs of 17.48%, 16.75%, and 16.4% are broadly in line with or marginally above category averages. Against the NIFTY 50, the fund has generated strong alpha across horizons, including 17.38% over 1Y and 17.03% over 3Y, with lump-sum CAGRs of 15.98% (5Y) and 23.47% (3Y) versus the benchmark's 5.16% and 6.4%. Long-term lump-sum performance remains solid, with a 15Y CAGR of 14.72% versus the benchmark's 9.38%.
The fund shows a beta of roughly 0.52-0.60 versus the NIFTY 50, indicating lower market sensitivity, and its downside capture of 42.2% to 54.98% across horizons shows it has historically fallen significantly less than the benchmark in down markets. Calmar ratios between 0.51 and 0.68 across 1Y to 12Y windows reflect a stable return-to-drawdown profile, with five drawdown events exceeding 10% and a recovery from the deepest drawdown taking 35 days. Note that the long max drawdown duration of 1811 days suggests extended underwater periods are possible despite the modest average drawdown of -0.085%.
As a sectoral/thematic healthcare fund, the portfolio is concentrated in pharmaceutical, hospital, diagnostics, and life sciences companies, which means limited diversification relative to diversified equity funds. No individual holding data is provided, so investors should verify current top-stock exposure and concentration levels in the fund's latest factsheet before investing. The fund's low beta of roughly 0.55-0.60 to the NIFTY 50 suggests its returns are largely driven by healthcare sector dynamics rather than broad market moves.
The fund's 3Y XIRR of 19.76% comfortably exceeds the category average of 16.17%, positioning it among the stronger performers in the sectoral/thematic healthcare space, while 5Y to 12Y XIRRs of 16.4% to 17.48% track close to category averages of 16.43% to 17.43%. Calendar-year returns have been volatile, ranging from +68.04% in 2020 and +44.4% in 2014 to -11.36% in 2022 and -9.05% in 2016, which is typical of sector funds. The consistency of alpha versus the NIFTY 50 across every measured horizon from 1Y to 15Y underscores durable relative performance.
This fund is suitable for investors with a high risk tolerance who already hold a diversified core portfolio and want satellite exposure to the Indian healthcare and pharma theme, ideally limiting such thematic allocations to a modest share (around 5-10%) of their equity portfolio. A horizon of 5-7 years or more is appropriate given the fund's multi-year drawdowns and year-to-year volatility, and SIP investing helps smooth the sector's cyclical swings. Investors uncomfortable with periodic underperformance, such as the -11.36% in 2022 and -2.38% in 2025, should avoid this fund.
- Consistent alpha versus the NIFTY 50 across all horizons, including 14.9% over 7Y and 5.86% over 10Y
- Strong 3Y SIP XIRR of 19.76% versus the category average of 16.17%
- Defensive profile with low beta of roughly 0.55-0.60 and downside capture below 55%, cushioning market corrections
- High sector concentration inherent to a healthcare thematic fund exposes investors to single-sector regulatory, pricing, and policy risks irrespective of broader market conditions
- Calendar-year returns are highly volatile, swinging from +68.04% in 2020 to -11.36% in 2022, and a drawdown lasting up to 1811 days indicates extended recovery periods
Generated on 02-11-2026, 3:35 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 | ₹12.59 L | 19.1% | -29.2% | 102.0% |
| 3 Years | ₹36.00 L | ₹44.21 L | 15.0% | -8.1% | 42.3% |
| 5 Years | ₹60.00 L | ₹91.74 L | 14.9% | -5.6% | 30.7% |
| 7 Years | ₹84.00 L | ₹1.52 Cr | 16.7% | -0.7% | 26.6% |
| 10 Years | ₹1.20 Cr | ₹2.94 Cr | 16.4% | 9.7% | 20.1% |
| 12 Years | ₹1.44 Cr | ₹4.14 Cr | 16.6% | 14.6% | 18.5% |
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 | 19.1% | 14.3% | 10.6% | +4.9% |
| 3 Years | 15.0% | 11.0% | 16.2% | +3.9% |
| 5 Years | 14.9% | 10.4% | 17.4% | +4.5% |
| 7 Years | 16.7% | 10.6% | 16.6% | +6.1% |
| 10 Years | 16.4% | 11.4% | 16.4% | +4.9% |
| 12 Years | 16.6% | 11.3% | 15.8% | +5.3% |
| Duration | Mean | Median | Min | Max | Sharpe | Sortino | % Positive | Cat. Mean | Cat. Median |
|---|---|---|---|---|---|---|---|---|---|
| 1 Year | 18.4% | 12.7% | -17.9% | 86.3% | 0.49 | 1.57 | 69% | — | — |
| 3 Years | 15.0% | 18.0% | -6.5% | 29.7% | 0.81 | 2.08 | 84% | — | — |
| 5 Years | 13.9% | 13.7% | -4.5% | 32.4% | 1.00 | 3.94 | 98% | — | — |
| 10 Years | 13.8% | 13.8% | 10.2% | 15.7% | 6.96 | — | 100% | — | — |
Calmar Ratio by Duration
Compared against NIFTY 50
| Duration | Alpha | Beta | Upside Capture | Downside Capture | Fund CAGR | Bench CAGR |
|---|---|---|---|---|---|---|
| 1 Year | +16.31 | 0.59 | 67.7% | 43.7% | 13.6% | -9.0% |
| 3 Years | +16.68 | 0.60 | 73.0% | 49.7% | 23.5% | 7.0% |
| 5 Years | +10.22 | 0.58 | 64.2% | 48.6% | 16.2% | 5.5% |
| 7 Years | +14.79 | 0.52 | 60.2% | 42.2% | 23.2% | 10.1% |
| 10 Years | +6.00 | 0.54 | 60.3% | 50.4% | 14.7% | 10.7% |
| 12 Years | +5.42 | 0.57 | 64.1% | 55.0% | 13.3% | 9.0% |
| 15 Years | +6.62 | 0.55 | 62.2% | 50.8% | 14.8% | 9.5% |