UTI India Consumer Fund

UTI India Consumer Fund has delivered SIP XIRR of 13.27% over 3Y, 13.46% over 5Y, and 12.87% over 10Y, showing consistent double-digit returns across most horizons. However, it trails the thematic category SIP XIRR averages by roughly 3-5 percentage points at every horizon (e.g., 13.46% vs 16.77% over 5Y). The 1Y SIP XIRR of 6.84% is significantly below the category average of 11.58%, and 2026 calendar returns are negative at -8.39%, indicating recent underperformance versus both its own history and peers.

The maximum drawdown of -29.69% with 7 drawdown events exceeding 10% shows this fund can experience substantial losses, though its recovery in 242 days suggests resilience. The long max drawdown duration of 574 days means investors have had to endure extended underwater periods. Calmar ratios hovering around 0.41-0.46 across horizons indicate moderate risk-adjusted return efficiency for a thematic offering.

No individual holdings or sector breakdown were provided in the data, so specific top-portfolio positions cannot be assessed here. As a thematic consumer-focused fund, its portfolio is concentrated in a single theme tied to domestic consumption trends rather than spread across the full market. Investors should review the current factsheet for exact stock weights and consumer sub-sector exposures before investing.

The fund consistently underperforms the thematic category average SIP XIRR across all horizons — 12.87% vs 17.49% over 10Y and 13.27% vs 16.33% over 3Y. Its consistency within its own record is respectable, with 10Y+ SIP XIRR above 12% and lump-sum rolling 10Y returns of 12.2%. However, its relative rank among thematic peers appears weak given the persistent gap versus category averages.

This fund suits investors who want explicit exposure to India's consumer sector theme and can tolerate meaningful drawdowns of up to 30% in pursuit of long-term growth. A holding period of at least 5-7 years is appropriate given the long recovery times and thematic cyclicality, making SIPs a sensible entry route. It is not suitable for conservative investors or those needing capital within a short horizon, especially amid recent negative 1Y returns.

• Consistent double-digit long-term SIP XIRR, with 10Y at 12.87% and 5Y at 13.46%
• Relatively quick recovery from its maximum drawdown, taking 242 days against a -29.69% peak loss
• Stable risk-adjusted efficiency with Calmar ratios in a narrow 0.40-0.46 band across 1Y to 12Y horizons

• Persistent underperformance versus the thematic category average SIP XIRR at every horizon, lagging by roughly 3-5 percentage points
• Recent weakness with a 1Y SIP XIRR of 6.84% versus the category's 11.58% and negative 2026 returns of -8.39%
• Thematic concentration risk combined with a maximum drawdown of -29.69% and a 574-day recovery cycle