UTI Value Fund
Direct · GrowthAI Summary
UTI Value Fund has delivered strong SIP XIRR of 17.4% over 3Y and 17.25% over 5Y, roughly in line with or slightly ahead of category averages (17.43% and 16.74% respectively), though it trails the category at the 7Y, 10Y, and 12Y horizons. Against its benchmark NIFTY50 VALUE 20, the fund has generated positive alpha across all periods, most notably 8.46% over 3Y and 5.75% over 5Y. Long-term lump-sum CAGR of 12.64% over 12Y versus the benchmark's 10.22% confirms consistent benchmark outperformance.
The fund exhibits defensive characteristics with a beta below 1 across all periods (0.84-0.98) and notably low downside capture of 78-90%, meaning it loses significantly less than the benchmark in falling markets. Upside capture of 83-98% indicates it gives up some gains in rallies, but the favorable asymmetry supports its risk-adjusted profile. The Calmar ratio remains stable around 0.38-0.45 across horizons, and the maximum drawdown of just -0.37% with a 45-day duration reflects strong downside resilience.
Detailed holdings and sector allocation data were not provided in this dataset, so portfolio composition cannot be assessed here. As a value-oriented fund benchmarked to the NIFTY50 VALUE 20, it would typically emphasize undervalued large-cap stocks across sectors. Investors should review the latest factsheet for current top holdings and concentration levels before investing.
The fund is competitive with category peers in the short-to-medium term, matching the 3Y category average XIRR of 17.43% and beating the 5Y average of 16.74%. However, it lags category averages at longer horizons, with 10Y XIRR of 16.07% versus 16.65% and 12Y XIRR of 15.71% versus 16.44%. Calendar year returns show good consistency, with positive returns in 11 of the last 14 years and strong years like 42.5% in 2014 and 30.74% in 2021.
This fund suits investors seeking value-style equity exposure with below-market volatility and strong downside protection, making it appropriate for a core long-term allocation. A minimum horizon of 5-7 years is recommended to allow the value strategy to play out through market cycles. It is best suited to moderate-risk investors who prioritize capital preservation during downturns over maximum upside participation.
- Consistent positive alpha versus the NIFTY50 VALUE 20 benchmark across all periods, peaking at 8.46% over 3Y
- Low downside capture of 78-90% across horizons, indicating strong protection in falling markets
- Competitive SIP XIRR of 17.4% over 3Y and 17.25% over 5Y, matching or beating category averages
- Underperformance versus category average SIP XIRR at longer horizons, including 16.07% vs 16.65% over 10Y
- Relatively high expense ratio of 1.22% for a direct plan, which can erode long-term returns
- Limited upside capture (83-98%) means the fund may lag in strong bull markets
Generated on 02-09-2026, 2:52 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 | ₹12.72 L | 17.1% | -54.4% | 95.2% |
| 3 Years | ₹36.00 L | ₹43.74 L | 14.6% | -19.8% | 35.5% |
| 5 Years | ₹60.00 L | ₹88.42 L | 15.1% | -8.2% | 29.7% |
| 7 Years | ₹84.00 L | ₹1.46 Cr | 15.5% | -2.4% | 24.5% |
| 10 Years | ₹1.20 Cr | ₹2.77 Cr | 16.0% | 12.0% | 20.0% |
| 12 Years | ₹1.44 Cr | ₹3.93 Cr | 15.5% | 13.0% | 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 | 17.1% | 15.2% | 17.7% | +1.8% |
| 3 Years | 14.6% | 13.1% | 17.4% | +1.5% |
| 5 Years | 15.1% | 13.7% | 16.7% | +1.4% |
| 7 Years | 15.5% | 13.4% | 16.1% | +2.1% |
| 10 Years | 16.0% | 13.7% | 16.6% | +2.3% |
| 12 Years | 15.5% | 14.2% | 16.4% | +1.3% |
| Duration | Mean | Median | Min | Max | Sharpe | Sortino | % Positive | Cat. Mean | Cat. Median |
|---|---|---|---|---|---|---|---|---|---|
| 1 Year | 16.4% | 12.7% | -30.1% | 97.9% | 0.52 | 1.61 | 83% | — | — |
| 3 Years | 14.7% | 15.2% | -5.4% | 33.2% | 1.33 | 6.84 | 99% | — | — |
| 5 Years | 14.6% | 14.3% | -2.3% | 30.5% | 1.44 | 8.61 | 99% | — | — |
| 10 Years | 14.4% | 14.5% | 11.8% | 16.9% | 8.63 | — | 100% | — | — |
Calmar Ratio by Duration
Compared against NIFTY50 VALUE 20
| Duration | Alpha | Beta | Upside Capture | Downside Capture | Fund CAGR | Bench CAGR |
|---|---|---|---|---|---|---|
| 1 Year | +5.51 | 0.98 | 98.4% | 90.0% | 0.2% | -5.5% |
| 3 Years | +8.46 | 0.89 | 93.7% | 82.2% | 14.5% | 6.0% |
| 5 Years | +5.75 | 0.84 | 87.1% | 79.2% | 12.4% | 6.7% |
| 7 Years | +5.53 | 0.87 | 86.0% | 78.7% | 17.2% | 12.5% |
| 10 Years | +2.44 | 0.85 | 83.0% | 78.4% | 13.7% | 12.1% |
| 12 Years | +2.98 | 0.85 | 83.7% | 78.8% | 12.6% | 10.2% |
| 15 Years | +2.39 | 0.84 | 82.6% | 78.0% | 12.3% | 10.5% |