UTI Value Fund
Direct · GrowthAI Summary
UTI Value Fund has delivered strong long-term SIP XIRR of 16.71% over 5Y and 15.88% over 10Y, though it trails the category average (17.06% and 16.50% respectively). Against its benchmark NIFTY50 VALUE 20, the fund has outperformed meaningfully, with 3Y lump-sum CAGR of 10.79% versus 2.46% for the benchmark and consistent positive alpha across all windows (7.90% at 3Y, 5.14% at 5Y). Recent 1Y SIP XIRR of 8.36% lags the category average of 11.69%, reflecting a softer recent patch including a -9.82% calendar year return in 2026.
The fund shows defensive risk characteristics with beta below 1 across all periods (0.84-0.98) and consistently low downside capture (78-90%), meaning it loses less than the benchmark in falling markets. Calmar ratios remain stable around 0.39-0.44 across horizons, indicating steady risk-adjusted returns. However, 7 drawdown events exceeding 10% have occurred, and the 2026 return of -9.82% shows the fund is not immune to value style drawdowns.
Portfolio composition data was not provided in this analysis, so specific holdings and sector allocations cannot be assessed. As a value-oriented fund benchmarked to NIFTY50 VALUE 20, it likely concentrates in undervalued large-cap stocks across financials, energy, and cyclical sectors. Investors should review the latest factsheet for current holdings and concentration details before investing.
The fund sits slightly below category average SIP XIRR across most horizons, trailing by roughly 0.4-0.8 percentage points at 3Y, 5Y, and 10Y. Its consistency is evident in rolling returns, with 3Y rolling mean of 16.62% and 10Y rolling mean of 14.39%, and in positive alpha versus benchmark across every measured window. Calendar year returns show strong up years (42.5% in 2014, 30.74% in 2021) but occasional flat or negative years (2015, 2018, 2026), typical of value style cyclicality.
This fund suits investors with a long-term horizon of 7-10 years or more, as evidenced by its strongest SIP XIRR figures over 5Y-12Y periods. It is appropriate for those seeking value style exposure with below-benchmark downside risk, tolerating periods of underperformance like the current 1Y stretch. Investors should be comfortable with value style cyclicality and accept that recent returns trail the category average.
- Consistent positive alpha versus NIFTY50 VALUE 20 across all windows, including 7.90% at 3Y and 5.14% at 5Y
- Low downside capture of 78-90% across all periods, indicating strong loss protection in falling markets
- Stable long-term SIP XIRR of 15.24%-16.71% across 5Y to 12Y horizons, demonstrating durability of returns
- SIP XIRR trails category averages across all horizons, including 16.29% vs 17.02% at 3Y and 8.36% vs 11.69% at 1Y
- Recent weakness with a -9.82% calendar year return in 2026 and 7 drawdown events exceeding 10% historically
Generated on 17-10-2026, 4:57 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 | ₹12.71 L | 16.8% | -54.4% | 95.2% |
| 3 Years | ₹36.00 L | ₹43.59 L | 14.5% | -19.8% | 35.5% |
| 5 Years | ₹60.00 L | ₹88.07 L | 15.0% | -8.2% | 29.7% |
| 7 Years | ₹84.00 L | ₹1.46 Cr | 15.5% | -2.4% | 24.5% |
| 10 Years | ₹1.20 Cr | ₹2.75 Cr | 15.9% | 12.0% | 20.0% |
| 12 Years | ₹1.44 Cr | ₹3.90 Cr | 15.3% | 12.6% | 17.7% |
SIP returns vs benchmark & category
Annualised SIP return (XIRR) over each rolling horizon — like-for-like, not lump-sum.
| Duration | Fund SIP XIRR | NIFTY50 VALUE 20 | Category avg | Fund edge |
|---|---|---|---|---|
| 1 Year | 16.8% | 14.9% | 11.7% | +1.9% |
| 3 Years | 14.5% | 12.9% | 17.0% | +1.6% |
| 5 Years | 15.0% | 13.5% | 17.0% | +1.4% |
| 7 Years | 15.5% | 13.3% | 16.0% | +2.2% |
| 10 Years | 15.9% | 13.6% | 16.5% | +2.3% |
| 12 Years | 15.3% | 14.1% | 16.1% | +1.2% |
| Duration | Mean | Median | Min | Max | Sharpe | Sortino | % Positive | Cat. Mean | Cat. Median |
|---|---|---|---|---|---|---|---|---|---|
| 1 Year | 16.1% | 12.5% | -30.1% | 97.9% | 0.50 | 1.55 | 83% | — | — |
| 3 Years | 14.7% | 15.1% | -5.4% | 33.2% | 1.33 | 6.86 | 99% | — | — |
| 5 Years | 14.5% | 14.3% | -2.3% | 30.5% | 1.43 | 8.62 | 99% | — | — |
| 10 Years | 14.4% | 14.5% | 11.8% | 16.9% | 8.39 | — | 100% | — | — |
Calmar Ratio by Duration
Compared against NIFTY50 VALUE 20
| Duration | Alpha | Beta | Upside Capture | Downside Capture | Fund CAGR | Bench CAGR |
|---|---|---|---|---|---|---|
| 1 Year | +3.95 | 0.97 | 95.4% | 90.0% | -6.3% | -10.7% |
| 3 Years | +7.80 | 0.89 | 93.5% | 83.0% | 11.4% | 3.3% |
| 5 Years | +5.15 | 0.85 | 87.3% | 80.1% | 9.6% | 4.1% |
| 7 Years | +5.09 | 0.87 | 86.3% | 79.6% | 16.0% | 11.6% |
| 10 Years | +1.97 | 0.85 | 82.5% | 78.7% | 13.2% | 12.0% |
| 12 Years | +2.58 | 0.85 | 83.4% | 79.0% | 12.1% | 10.1% |
| 15 Years | +2.25 | 0.84 | 82.5% | 78.1% | 11.9% | 10.3% |