UTI Multi Cap Fund
Direct · GrowthAI Summary
UTI Multi Cap Fund delivered a 1Y SIP XIRR of just 1.15%, dramatically below the category average SIP XIRR of 15.06% for the same period. On a lump-sum basis, the fund posted a 1Y CAGR of 6.75% against the NIFTY 50's -2.9%, generating a strong alpha of 8.68%. However, the wide gap between the fund's SIP XIRR and the category average suggests recent investor cashflows have experienced very weak returns relative to peers.
The fund exhibits a defensive risk profile with a beta of 0.88-0.90, downside capture of 76.98-78.46%, and upside capture of 89.46-91.26% versus the NIFTY 50, meaning it falls less than the benchmark but also participates less in rallies. The maximum drawdown of -0.14% with a 126-day recovery and only one drawdown event above 10% indicates contained loss severity. The 1Y Calmar ratio of 0.2248 reflects modest risk-adjusted returns given the subdued 1Y performance.
Detailed holdings and sector allocation data were not provided for this analysis, so concentration and diversification cannot be assessed from the data available. As a multi cap fund, it is mandated to invest across large, mid, and small cap stocks, which structurally provides diversification across market capitalizations. Investors should review the latest factsheet for specific top holdings and sector weights before investing.
The fund's 1Y SIP XIRR of 1.15% trails the category average of 15.06% by roughly 14 percentage points, placing it in the bottom tier of multi cap peers on this metric. Its consistent positive alpha over 1Y through 15Y horizons versus the NIFTY 50 shows steady benchmark outperformance on a lump-sum basis. The stable capture ratios across time periods suggest a consistent, risk-managed investment approach rather than erratic performance.
This fund suits conservative equity investors who prioritize downside protection and steady benchmark outperformance over aggressive capital appreciation. A time horizon of at least 5-7 years is appropriate for multi cap investing, allowing the fund's defensive characteristics to compound. Investors seeking category-beating SIP returns in the current period may be disappointed given the significant underperformance versus the 15.06% category average.
- Strong 1Y alpha of 8.68% versus the NIFTY 50, with the fund's 6.75% CAGR against the benchmark's -2.9%
- Favorable downside capture of 76.98-78.46% across horizons, limiting losses in falling markets
- Contained drawdown profile with a maximum drawdown of only -0.14% and just one drawdown event exceeding 10%
- 1Y SIP XIRR of 1.15% is dramatically below the category average of 15.06%, indicating severe recent underperformance for SIP investors
- Upside capture of 89.46-91.26% means the fund lags the benchmark in rallies, capping gains during strong market phases
Generated on 05-09-2026, 3:04 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 | ₹12.04 L | 1.1% | -16.2% | 12.2% |
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 | 1.1% | 14.4% | 15.1% | -13.3% |
| Duration | Mean | Median | Min | Max | Sharpe | Sortino | % Positive | Cat. Mean | Cat. Median |
|---|---|---|---|---|---|---|---|---|---|
| 1 Year | 3.2% | 2.4% | -2.2% | 8.8% | -1.20 | -0.78 | 94% | — | — |
Calmar Ratio by Duration
Compared against NIFTY 50
| Duration | Alpha | Beta | Upside Capture | Downside Capture | Fund CAGR | Bench CAGR |
|---|---|---|---|---|---|---|
| 1 Year | +8.68 | 0.90 | 91.3% | 78.5% | 6.8% | -2.9% |
| 3 Years | +3.13 | 0.88 | 89.5% | 77.0% | 3.1% | -0.9% |
| 5 Years | +1.57 | 0.88 | 89.5% | 77.0% | 1.9% | -0.5% |
| 7 Years | +0.89 | 0.88 | 89.5% | 77.0% | 1.3% | -0.4% |
| 10 Years | +0.40 | 0.88 | 89.5% | 77.0% | 0.9% | -0.3% |
| 12 Years | +0.19 | 0.88 | 89.5% | 77.0% | 0.8% | -0.2% |
| 15 Years | +0.01 | 0.88 | 89.5% | 77.0% | 0.6% | -0.2% |