UTI - Large Cap Fund
UTI Mutual Fund · Large Cap · Regular plan, growth option
NAV (₹), 1 Oct 2026
249.7122
1-day change
-0.69%
1Y return
-8.4%
3Y CAGR
5.2%
5Y CAGR
5.1%
Max drawdown, 5Y
−19.5%
NAV history month-end NAV, ₹ · 3 Apr 2006 to 1 Oct 2026
Returns vs Large Cap median (38 schemes)
| Period | Scheme | Category median |
|---|---|---|
| 1 month | -6.3% | -6.2% |
| 3 months | -4.2% | -4.6% |
| 6 months | 2.1% | 3.1% |
| Year to date | -12.0% | -9.1% |
| 1 year | -8.4% | -5.7% |
| 3 years (CAGR) | 5.2% | 7.5% |
| 5 years (CAGR) | 5.1% | 7.4% |
| 7 years (CAGR) | 11.0% | 11.9% |
| 10 years (CAGR) | 10.0% | 10.8% |
| Since first NAV (CAGR) | 10.5% | – |
Rolling returns every business-day start date
| Measure | Scheme | Category median |
|---|---|---|
| 1Y rolling median | 10.3% | 10.3% |
| 3Y rolling median | 12.2% | 13.4% |
| 3Y rolling worst | -4.7% | -5.2% |
| 3Y periods positive | 98% | 99% |
| 3Y periods ahead of benchmark | 36% | 59% |
| 5Y rolling median | 12.9% | 13.2% |
| 5Y rolling worst | -1.4% | -1.2% |
| 5Y periods ahead of benchmark | 35% | 51% |
Benchmark: Nifty 50 (proxy: Franklin India NSE Nifty 50 Index Fund, price return).
Risk 36 months, monthly returns, Rf 6.5%
| Measure | Scheme | Category median |
|---|---|---|
| Standard deviation (ann.) | 13.9% | 14.3% |
| Sharpe ratio | -0.02 | 0.14 |
| Sortino ratio | -0.03 | 0.19 |
| Beta | 0.98 | 1.00 |
| Alpha (ann.) | -0.3% | 2.0% |
| Upside capture | 96.13 | 106.99 |
| Downside capture | 97.69 | 97.11 |
Drawdowns peak-to-trough falls in NAV
| Measure | Scheme | Category median |
|---|---|---|
| Maximum drawdown, full history | −55.6% | −36.6% |
| Maximum drawdown, last 10Y | −34.7% | −36.7% |
| Maximum drawdown, last 5Y | −19.5% | −18.7% |
| Current drawdown | −13.8% | −11.5% |
| Recovery time of worst fall | 669 days | – |
Longer histories include more crises, so compare the 5Y and 10Y figures across schemes of different ages.
Direct or Regular for this scheme?
The Regular plan's expense ratio is 1.86% a year and the Direct plan's 1.19%, a gap of 0.67%; over the last 3 years the Direct plan returned 0.88 percentage points a year more. On a ₹25,000 monthly SIP for 20 years (illustration at 12% a year before costs) the gap adds up to about ₹15,29,110.
With the Regular plan, that cost pays a distributor to help you plan, choose and review funds, and stay invested when markets fall. Whether it is worth it depends on how much of that you will do yourself.
TER: AMFI TER disclosure. Returns: AMFI NAVs. Illustration, not a guaranteed saving or return.
Recent disclosure changes last 120 days, as disclosed via AMFI
- 7 Sep 2026: TER increased from 1.85% to 1.86% (AMFI TER disclosure)
Fund managers and scheme facts Scheme Summary Document via AMFI
| Fund manager | Role | Managing since |
|---|---|---|
| Karthikraj Lakshmanan | 1 Sep 2022 | |
| Not Applicable | 1 Sep 2022 | |
| Not Applicable | 1 Sep 2022 | |
| Not Applicable | 1 Sep 2022 |
Objective: The objective of the scheme is to generate long term capital appreciation by investing predominantly in equity and equity related securities of large cap companies. However, there can be no assurance or guarantee that the investment objective of the scheme would be achieved.
Stated asset allocation: Equity & equity related instruments (minimum 80% of the total assets would be in equity and equity related instruments of large cap companies) (Including units of REITS) : 80-100% (Medium to High) Debt and Money Market instruments including securitized debt#: 0-20% (Low to Medium) Units issued by InvITs: 0-10% (Medium to High) # The fund may invest upto 50% of its debt portfolio in securitized debt.
Benchmark (tier 1): BSE 100 TRI
Minimum application: Regular Plan-Growth- Rs.100, Regular Plan - Growth-CanServe- Rs.100, Regular Plan-Reinvestment of IDCW- Rs.5000, Regular Plan-Payout of IDCW- Rs.5000, Regular Plan-Payout of IDCW (Canserve)- Rs.5000, Direct Plan-Growth- Rs.100, Direct Plan - Growth-CanServe- Rs.100, Direct Plan-Reinvestment of IDCW- Rs.5000, Direct Plan-Payout of IDCW- Rs.5000, Direct Plan-Payout of IDCW (Canserve)- Rs.5000,
Allotment date: 15 Oct 1986
Documents: Scheme Information Document · Scheme Summary Document. Read the scheme documents before investing.
Cost, size and riskometer as disclosed to AMFI
| Measure | Scheme | Category median |
|---|---|---|
| Expense ratio (TER), Regular plan | 1.86% | 2.22% |
| AUM, whole scheme (₹ crore) | 11,436 | 2,015 |
| Riskometer | Very High | – |
TER: AMFI, TER of MF Schemes. AUM and riskometer: AMFI, Fund Performance, 30 Sep 2026.
Official benchmark and category consistency
| Measure | Scheme | Benchmark / category |
|---|---|---|
| Return, 1 year (AMFI) | -7.1% | -5.0% TRI |
| Return, 3 years (AMFI) | 5.4% | 7.7% TRI |
| Return, 5 years (AMFI) | 5.1% | 7.7% TRI |
| Month-ends above category median (3Y CAGR) | 40% | 49% median |
| Month-ends in category top quartile (3Y) | 23% | 23% median |
| 7Y rolling CAGR, median (monthly windows) | 12.2% | 12.4% median |
Official benchmark: BSE 100 TRI (total return index, as published by AMFI). Category consistency: last 10 years of month-ends, Large Cap Regular plans; how it is calculated.
Calendar-year returns NAV change from 31 Dec to 31 Dec
| Year | Scheme | Nifty 50 proxy | Difference |
|---|---|---|---|
| 2026 YTD | -12.0% | -13.5% | +1.6% |
| 2025 | 8.6% | 11.7% | −3.1% |
| 2024 | 11.2% | 9.9% | +1.3% |
| 2023 | 20.8% | 20.7% | +0.1% |
| 2022 | -1.8% | 5.3% | −7.1% |
| 2021 | 29.6% | 24.8% | +4.8% |
| 2020 | 18.7% | 15.3% | +3.4% |
| 2019 | 10.7% | 12.5% | −1.8% |
| 2018 | -0.4% | 3.6% | −4.0% |
| 2017 | 29.6% | 28.8% | +0.7% |
Benchmark proxy: Franklin India NSE Nifty 50 Index Fund (Direct plan NAV, price return), which carries its own costs. The first year starts from the first 31 December in the scheme's history.
Monthly SIP of ₹10,000 first business day of each month, ending 1 Oct 2026
| Period | Invested | Value | XIRR |
|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1,11,892 | -12.3% |
| 3 years | ₹3,60,000 | ₹3,49,292 | -2.0% |
| 5 years | ₹6,00,000 | ₹6,58,120 | 3.7% |
| 10 years | ₹12,00,000 | ₹19,18,954 | 9.1% |
Uses this plan's NAVs; ignores stamp duty, exit loads and taxes. One historical path only — the interactive SIP analyzer shows outcomes across every start date.
Scheme facts
AMC: UTI Mutual Fund
Category: Large Cap
Plan / option: Regular · Growth
AMFI scheme code: 100651
ISIN: INF789F01976
First NAV in MFIC data: 3 Apr 2006
History: 20.5 years
Portfolio holdings: see the scheme's monthly portfolio disclosure on the fund house website
Schemes that behaved similarly correlation of monthly returns, last 5 years
| Scheme | Category | Correlation | 3Y CAGR |
|---|---|---|---|
| Aditya Birla Sun Life Large Cap Fund | Large Cap | 0.99 | 7.4% |
| NAVI ELSS TAX SAVER NIFTY50 INDEX FUND | ELSS | 0.99 | 4.5% |
| Mirae Asset Large Cap Fund | Large Cap | 0.98 | 6.2% |
| Canara Robeco Large Cap Fund | Large Cap | 0.98 | 7.6% |
| Kotak Large Cap Fund | Large Cap | 0.98 | 7.6% |
| Edelweiss Large Cap Fund | Large Cap | 0.98 | 7.3% |
Questions about UTI - Large Cap Fund
- What is the latest NAV of UTI - Large Cap Fund?
- The NAV of the Regular plan (growth option) was ₹249.7122 on 1 Oct 2026, as published by AMFI.
- Which category is UTI - Large Cap Fund in?
- It is classified as Large Cap in AMFI's daily NAV file; a Large Cap scheme invests at least 80% in large-cap stocks. MFIC compares it with 38 Large Cap schemes (Regular plans).
- What returns has UTI - Large Cap Fund delivered?
- Over one year the NAV changed by -8.4%. The 3-year CAGR is 5.2% (category median 7.5%) and the 5-year CAGR is 5.1% (category median 7.4%). Returns are after expenses and before tax. Past performance may or may not be sustained in future.
- How consistent have its 3-year returns been?
- Measuring a 3-year CAGR from every business day in its history, the median was 12.2%, the lowest was -4.7%, and 98% of 3-year periods ended with a gain. It was ahead of Nifty 50 (index-fund proxy) in 36% of those periods.
- What was the largest fall in UTI - Large Cap Fund's NAV?
- The largest peak-to-trough fall in its available history was 55.6%; within the last five years it was 19.5% (category median 18.7%).
- How volatile is UTI - Large Cap Fund?
- Its annualised standard deviation of monthly returns over the last 36 months is 13.9%, which is below the Large Cap category median of 14.3%.
- What would a monthly SIP in UTI - Large Cap Fund have grown to?
- A SIP of ₹10,000 on the first business day of each month for the last 5 years (60 instalments, ₹6,00,000 invested) would have been worth about ₹6,58,120 on 1 Oct 2026, an annualised return (XIRR) of 3.7%. This uses the Regular plan's NAVs, ignores taxes and exit loads, and past performance may or may not be sustained in future.
- What is the expense ratio (TER) of UTI - Large Cap Fund?
- The total expense ratio of the Regular plan is 1.86% a year, as disclosed to AMFI (median of Large Cap Regular plans: 2.22%). It is already deducted from the NAV, so every return shown is after expenses.
- How large is UTI - Large Cap Fund?
- Assets under management of the whole scheme were ₹11,436 crore on 30 Sep 2026, as published by AMFI.
- What is the riskometer level of UTI - Large Cap Fund?
- AMFI lists the scheme's riskometer as “Very High”, and its benchmark's as “Very High”. The riskometer is a label of potential risk set under SEBI rules, not a forecast.
- What is the benchmark of UTI - Large Cap Fund and how has it compared?
- Its official benchmark is the BSE 100 TRI. Over 3 years AMFI reports a return of 5.4% for this plan against 7.7% for the benchmark total return index; over 5 years 5.1% against 7.7%. Past performance does not indicate future results.
- How often has UTI - Large Cap Fund beaten its category?
- At 40% of the 120 month-ends compared over the last 10 years, its 3-year return was above the median of Large Cap schemes (Regular plans); it was in the top quarter at 23% of them. A typical scheme would show about 50%.
- Who manages UTI - Large Cap Fund?
- According to its Scheme Summary Document, UTI - Large Cap Fund is managed by Karthikraj Lakshmanan (since 1 Sep 2022), Not Applicable (since 1 Sep 2022), Not Applicable (since 1 Sep 2022), Not Applicable (since 1 Sep 2022).
- What is the minimum investment in UTI - Large Cap Fund?
- The minimum application amount is Regular Plan-Growth- Rs.100, Regular Plan - Growth-CanServe- Rs.100, Regular Plan-Reinvestment of IDCW- Rs.5000, Regular Plan-Payout of IDCW- Rs.5000, Regular Plan-Payout of IDCW (Canserve)- Rs.5000, Direct Plan-Growth- Rs.100, Direct Plan - Growth-CanServe- Rs.100, Direct Plan-Reinvestment of IDCW- Rs.5000, Direct Plan-Payout of IDCW- Rs.5000, Direct Plan-Payout of IDCW (Canserve)- Rs.5000,. SIP details: SIP - D-500/W-500/M-500/Q-1500 SIP IN GROWTH OPTION - D-100/W-100/M-100/Q-300 STP - D-100/W-1000/M-1000/Q-3000 SWP - M-500/Q-500/H-500/Y-500.
- What is the difference between the Direct and Regular plans?
- Both plans hold the same portfolio; the Regular plan includes distribution costs in its expense ratio. Over one year the Direct plan's NAV changed by -7.7% and the Regular plan's by -8.4%. The Regular plan includes the services of a distributor.
Reviewing your own mutual fund portfolio?
Integrato's team can walk you through how your current schemes have behaved, using the same data shown here. Integrato is an AMFI-registered Mutual Fund Distributor.
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Data & disclosure. Source: AMFI daily NAV file and historical NAVs via mfapi.in; calculations by MFIC, as of 1 Oct 2026. Category medians use Regular plans in the same AMFI category. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Past performance may or may not be sustained in future. This page is for research and education only and is not investment advice or a recommendation to buy, sell or hold any scheme. Integrato Financial Services Pvt. Ltd. is an AMFI-registered Mutual Fund Distributor (ARN-173155). Methodology.