UTI Transportation and Logistics Fund
Direct · GrowthAI Summary
UTI Transportation and Logistics Fund has delivered strong SIP XIRR across horizons, beating the category average at 1Y (20.44% vs 14.1%), 3Y (21.95% vs 16.82%), and 12Y (16.65% vs 16.25%), while trailing slightly at 5Y, 7Y, and 10Y. Against the NIFTY 50, the fund shows substantial alpha of 13.71% to 16.64% over 1Y to 5Y periods, with Fund CAGR of 21.52% (3Y) and 22.16% (5Y) versus benchmark CAGRs of 7.75% and 7.83% respectively. Recent performance is particularly impressive, with calendar year returns of 40.84% in 2023, 20.06% in 2024, and 19.58% in 2025.
The fund exhibits a beta near 1.0 across most periods (0.95 to 1.19), indicating market-like volatility, but its downside capture consistently below 100% (88.97% to 97.29%) shows it has historically fallen less than the benchmark in down markets. It has experienced 8 drawdown events exceeding 10%, with the maximum drawdown lasting 801 days and requiring 437 days to recover, reflecting the extended pain typical of sectoral funds. The Calmar ratio declines from 0.43 (1Y) to 0.23 (7Y), suggesting weaker risk-adjusted returns over longer holding periods.
As a sectoral/thematic fund focused on transportation and logistics, the portfolio is inherently concentrated in a single theme spanning road transport, shipping, ports, and supply chain companies. No individual holding or sector breakdown data was provided, so investors should review the latest factsheet for top holdings and stock-level concentration. The thematic structure means diversification is limited by design, and performance is closely tied to the logistics and infrastructure cycle in India.
Within the sectoral/thematic category, the fund outperforms the category average SIP XIRR at 1Y, 3Y, and 12Y horizons, though it lags modestly at 5Y (17.58% vs 16.95% — actually ahead), 7Y (14.15% vs 16.51%), and 10Y (16.31% vs 16.71%). Calendar year returns show high dispersion, ranging from -17.82% in 2018 to 105.22% in 2014, which is characteristic of the category. The fund's consistent alpha over the benchmark across 1Y to 7Y windows suggests genuine stock-selection strength within its theme.
This fund is suitable for investors with high risk tolerance who already hold a diversified core portfolio and want a tactical satellite allocation to India's logistics and infrastructure growth theme. A horizon of at least 5 to 7 years is advisable, given the 801-day maximum drawdown duration and the volatility inherent in sectoral funds. Investors should cap exposure to a small share of their equity portfolio and be prepared for sharp interim swings like the -17.82% return in 2018.
- Strong SIP XIRR outperformance versus the category average at 1Y (20.44% vs 14.1%) and 3Y (21.95% vs 16.82%)
- Consistent alpha over NIFTY 50, including 16.64% (1Y), 13.71% (3Y), and 14.30% (5Y), with downside capture below 100% across all periods
- Low expense ratio of 0.82% for a sectoral fund, supporting net returns for direct plan investors
- Extended drawdown risk, with the maximum drawdown lasting 801 days and 8 drawdown events exceeding 10%
- Underperformance versus category average SIP XIRR at 7Y (14.15% vs 16.51%) and 10Y (16.31% vs 16.71%), indicating weaker long-horizon consistency
- High return dispersion across calendar years (-17.82% in 2018 to 105.22% in 2014), typical of concentrated thematic exposure
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 | ₹13.10 L | 26.1% | -66.2% | 178.2% |
| 3 Years | ₹36.00 L | ₹47.49 L | 16.9% | -37.5% | 46.5% |
| 5 Years | ₹60.00 L | ₹89.01 L | 14.8% | -21.7% | 36.8% |
| 7 Years | ₹84.00 L | ₹1.33 Cr | 14.3% | -7.5% | 27.0% |
| 10 Years | ₹1.20 Cr | ₹2.80 Cr | 16.3% | 11.5% | 20.2% |
| 12 Years | ₹1.44 Cr | ₹4.15 Cr | 16.4% | 13.8% | 18.6% |
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 | 26.1% | 14.4% | 14.1% | +11.7% |
| 3 Years | 16.9% | 11.1% | 16.8% | +5.8% |
| 5 Years | 14.8% | 10.4% | 16.9% | +4.4% |
| 7 Years | 14.3% | 10.6% | 16.5% | +3.8% |
| 10 Years | 16.3% | 11.5% | 16.7% | +4.8% |
| 12 Years | 16.4% | 11.4% | 16.3% | +5.1% |
| Duration | Mean | Median | Min | Max | Sharpe | Sortino | % Positive | Cat. Mean | Cat. Median |
|---|---|---|---|---|---|---|---|---|---|
| 1 Year | 24.5% | 17.7% | -43.3% | 153.9% | 0.52 | 1.72 | 80% | — | — |
| 3 Years | 17.8% | 19.8% | -18.4% | 53.6% | 0.76 | 2.12 | 86% | — | — |
| 5 Years | 15.0% | 11.9% | -8.0% | 35.7% | 0.78 | 3.39 | 95% | — | — |
| 10 Years | 16.1% | 15.4% | 10.8% | 21.5% | 3.22 | — | 100% | — | — |
Calmar Ratio by Duration
Compared against NIFTY 50
| Duration | Alpha | Beta | Upside Capture | Downside Capture | Fund CAGR | Bench CAGR |
|---|---|---|---|---|---|---|
| 1 Year | +16.64 | 1.19 | 118.0% | 94.5% | 12.0% | -2.9% |
| 3 Years | +13.71 | 1.05 | 108.0% | 91.2% | 21.5% | 7.8% |
| 5 Years | +14.30 | 1.02 | 106.4% | 89.7% | 22.2% | 7.8% |
| 7 Years | +10.59 | 0.99 | 103.1% | 92.3% | 22.4% | 11.8% |
| 10 Years | +2.65 | 1.00 | 100.9% | 97.3% | 13.5% | 10.8% |
| 12 Years | +5.22 | 0.99 | 100.7% | 94.2% | 15.0% | 9.8% |
| 15 Years | +7.61 | 0.95 | 98.7% | 89.0% | 17.2% | 9.7% |