UTI Healthcare Fund
Direct · GrowthAI Summary
UTI Healthcare Fund has delivered strong SIP XIRR of 18.72% over 3Y and 17.64% over 5Y, beating the category averages of 16.82% and 16.95% respectively, though its 7Y (16.49%), 10Y (16.08%) and 12Y (16.54%) XIRR is roughly in line with or slightly below category averages. Against the NIFTY 50, the fund shows substantial alpha across all periods, including 17.17% over 3Y and 15.85% over 1Y, with a 3Y fund CAGR of 24.43% versus the benchmark's 7.75%. Recent calendar-year performance has been uneven, with a 43.29% gain in 2024 but a -2.38% return in 2025.
The fund exhibits low beta (0.51-0.63) versus the NIFTY 50 with consistently low downside capture (42-55%), indicating it has historically fallen far less than the market during declines. It has experienced 4 drawdown events greater than 10%, and the maximum drawdown duration of 1,811 days suggests investors have at times waited years for recovery, though the last recovery took only 35 days. Calmar ratios between roughly 0.51 and 0.68 across horizons reflect reasonable risk-adjusted returns given the sector's inherent volatility.
No holdings data was provided, so specific top holdings cannot be assessed. As a healthcare sector fund, the portfolio is concentrated in pharma, hospitals, diagnostics and related healthcare businesses, meaning diversification across sectors is absent by design. Investors should expect the fund's fortunes to track the healthcare sector cycle rather than the broader market.
Within the Sectoral/Thematic category, the fund outperforms the average SIP XIRR over 1Y (12.86% vs 14.1% is below), 3Y and 5Y, but trails slightly over 7Y, 10Y and 12Y. This suggests the fund's recent performance has been stronger than its longer-term record relative to peers. Its long-run XIRR in the 16-17% range shows it has compounded steadily, though not consistently ahead of the category.
This fund is suitable for investors with high risk tolerance who understand sector concentration risk and can tolerate multi-year drawdowns, as evidenced by the 1,811-day maximum drawdown duration. A time horizon of at least 5-7 years is advisable to ride out healthcare sector cycles. It should be used as a satellite allocation within a diversified portfolio, not as a core holding.
- Strong 3Y SIP XIRR of 18.72% and 5Y XIRR of 17.64%, beating category averages of 16.82% and 16.95%
- Consistently high alpha versus NIFTY 50, including 17.17% over 3Y and 15.85% over 1Y
- Low downside capture (42-55%) and low beta (0.51-0.63), cushioning losses during market declines
- Sector concentration in healthcare exposes investors to sector-specific downturns, as seen in 2022 (-11.36%) and 2025 (-2.38%)
- Maximum drawdown duration of 1,811 days indicates investors may need to wait years for recovery from peak losses
- Long-term XIRR (10Y: 16.08%, 12Y: 16.54%) trails category averages, showing recent outperformance is not sustained over longer horizons
Generated on 06-09-2026, 7:55 PM. 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 | ₹12.57 L | 19.0% | -29.2% | 102.0% |
| 3 Years | ₹36.00 L | ₹44.10 L | 14.9% | -8.1% | 42.3% |
| 5 Years | ₹60.00 L | ₹90.55 L | 14.7% | -5.6% | 30.7% |
| 7 Years | ₹84.00 L | ₹1.51 Cr | 16.6% | -0.7% | 26.6% |
| 10 Years | ₹1.20 Cr | ₹2.91 Cr | 16.2% | 9.7% | 20.0% |
| 12 Years | ₹1.44 Cr | ₹4.13 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 | 19.0% | 14.4% | 14.1% | +4.6% |
| 3 Years | 14.9% | 11.1% | 16.8% | +3.8% |
| 5 Years | 14.7% | 10.4% | 16.9% | +4.3% |
| 7 Years | 16.6% | 10.6% | 16.5% | +6.0% |
| 10 Years | 16.2% | 11.5% | 16.7% | +4.7% |
| 12 Years | 16.6% | 11.4% | 16.3% | +5.2% |
| Duration | Mean | Median | Min | Max | Sharpe | Sortino | % Positive | Cat. Mean | Cat. Median |
|---|---|---|---|---|---|---|---|---|---|
| 1 Year | 18.4% | 12.4% | -17.9% | 86.3% | 0.49 | 1.56 | 69% | — | — |
| 3 Years | 14.9% | 17.7% | -6.5% | 29.7% | 0.79 | 2.01 | 84% | — | — |
| 5 Years | 13.9% | 13.6% | -4.5% | 32.4% | 0.98 | 3.87 | 98% | — | — |
| 10 Years | 13.7% | 13.7% | 10.2% | 15.7% | 6.88 | — | 100% | — | — |
Calmar Ratio by Duration
Compared against NIFTY 50
| Duration | Alpha | Beta | Upside Capture | Downside Capture | Fund CAGR | Bench CAGR |
|---|---|---|---|---|---|---|
| 1 Year | +15.85 | 0.63 | 73.9% | 51.4% | 16.4% | -2.9% |
| 3 Years | +17.17 | 0.61 | 75.4% | 51.3% | 24.4% | 7.8% |
| 5 Years | +9.23 | 0.58 | 64.3% | 49.8% | 16.5% | 7.8% |
| 7 Years | +15.70 | 0.51 | 60.9% | 42.2% | 24.9% | 11.8% |
| 10 Years | +6.14 | 0.54 | 61.3% | 51.1% | 15.0% | 10.8% |
| 12 Years | +6.42 | 0.57 | 64.9% | 54.7% | 14.8% | 9.8% |
| 15 Years | +6.73 | 0.55 | 62.5% | 50.9% | 15.0% | 9.7% |