UTI India Consumer Fund - Regular Plan - Growth Option
💡 Why Pick This Fund? Quantitative Strengths & Watch-outs
- Delivered positive returns in 99% of 3-year investment horizons.
- Over 19 years of operational history across different market cycles.
- Downside capture of 115% indicates larger drops during broader market downturns.
- Experienced a maximum drawdown of -56.9% during severe market crashes.
Key Statistics vs Category Median
Trailing Returns Comparison
| Period | Fund Return | Category Median | Difference |
|---|---|---|---|
| 1 Month | +8.92% | +6.32% | +2.60% |
| 3 Months | -2.33% | -0.20% | -2.13% |
| 6 Months | +6.31% | +5.98% | +0.33% |
| 1 Year | -1.06% | +3.90% | -4.96% |
| 3 Years CAGR | +10.12% | +13.23% | -3.11% |
| 5 Years CAGR | +7.54% | +10.72% | -3.18% |
| 7 Years CAGR | +11.71% | +15.35% | -3.64% |
| 10 Years CAGR | +11.28% | +14.26% | -2.98% |
| Since Inception | +9.62% | - | - |
📈 Monthly SIP vs Bank Fixed Deposit (FD) Replay
See how a regular monthly SIP in UTI India Consumer Fund compares against a standard 7.0% p.a. Bank Fixed Deposit.
Calendar Year Returns
| Year | Fund | Category Median | Gap |
|---|---|---|---|
| 2026 | -1.43% | +4.03% | -5.46% |
| 2025 | +3.83% | +1.43% | +2.40% |
| 2024 | +20.25% | +20.41% | -0.16% |
| 2023 | +23.05% | +30.70% | -7.65% |
| 2022 | -2.32% | +1.66% | -3.98% |
| 2021 | +26.40% | +30.31% | -3.91% |
| 2020 | +15.21% | +13.54% | +1.67% |
| 2019 | +5.78% | +7.11% | -1.33% |
| 2018 | -2.45% | -5.94% | +3.49% |
| 2017 | +32.64% | +39.22% | -6.58% |
| 2016 | +3.23% | +4.10% | -0.87% |
| 2015 | -1.87% | +1.85% | -3.72% |
| 2014 | +32.59% | +52.06% | -19.47% |
| 2013 | +5.83% | -4.06% | +9.89% |
| 2012 | +33.14% | +26.60% | +6.54% |
| 2011 | -13.93% | -23.05% | +9.12% |
| 2010 | +22.98% | +18.91% | +4.07% |
| 2009 | +63.16% | +77.75% | -14.59% |
| 2008 | -48.03% | -57.13% | +9.10% |
Daily Rolling Returns Summary
| Rolling Window | Minimum | Average | Median | Maximum | % Positive | % Beating Proxy |
|---|---|---|---|---|---|---|
| 1-Year Rolling | -50.34% | +12.20% | +10.44% | +93.08% | 75.6% | 23.5% |
| 3-Year Rolling | -3.56% | +12.23% | +12.08% | +31.05% | 99.1% | 2.4% |
| 5-Year Rolling | -0.44% | +11.95% | +12.09% | +23.65% | 99.9% | 0.0% |
Risk Profile & Deepest Drawdowns
Deepest Market Corrections (Depth >= 10%)
| Peak Date | Trough Date | Fall Depth | Months to Bottom | Recovery Period |
|---|---|---|---|---|
| 2008-01-07 | 2009-03-09 | -56.9% | 14 months | 18 months |
| 2018-08-27 | 2020-03-23 | -30.3% | 19 months | 8 months |
| 2024-09-26 | 2026-03-23 | -24.0% | 18 months | Not yet recovered |
Portfolio & Asset Allocation
Statutory Asset Allocation Mandate (SEBI / SID)
| Instrument Category | Permitted Allocation Range |
|---|---|
| Equity and equity related instruments of entities related to the theme of Indian Lifestyle & are part of benchmark sectors | 80% - 100% Money Market Instruments and other instruments permissible under residual porti: 0% - 20% |
Investment Objective & Strategy
The objective of the scheme is to generate long term capital appreciation by investing predominantly in companies that are expected to benefit from the growth of consumption, changing demographics, consumer aspirations and lifestyle. However, there can be no assurance or guarantee that the investment objective of the scheme would be achieved.
ℹ️ Detailed monthly stock-level holdings for this scheme are updated periodically from asset management company statutory disclosures.
Fund Size Position
Currently managing Rs 742 cr (AMFI Daily Fund AUM as of 2026-11-11). Positioned as comfortable relative to Sectoral / Thematic schemes.
Fund Management
Cost & Capital Gains Taxation
From April 2026 the total expense ratio includes brokerage, transaction costs and statutory levies on top of the base fee.
Equity-oriented schemes: 20% short-term capital gains tax if sold within 12 months; 12.5% long-term capital gains tax on gains exceeding ₹1.25 lakh per financial year when held for more than 12 months.
Closest Sectoral / Thematic Peers by Rank
| Scheme | Score | 3Y Return | Expense | Downside | Fund Size | Compare |
|---|---|---|---|---|---|---|
| Mirae Asset Great Consumer Fund | 5.3 | +10.37% | 2.06% | 112.0% | Rs 4,796 cr | Compare → |
| Aditya Birla Sun Life Banking and Financial Services Fund | 4.5 | +10.55% | 1.98% | 102.9% | Rs 3,657 cr | Compare → |
| Kotak Quant Fund | 4.5 | +10.96% | 2.50% | 109.8% | Rs 438 cr | Compare → |
| SBI TECHNOLOGY OPPORTUNITIES FUND | 5.4 | +10.26% | 1.97% | 54.3% | Rs 4,546 cr | Compare → |
| Tata Infrastructure Fund | 4.6 | +11.39% | 2.10% | 122.6% | Rs 2,002 cr | Compare → |
Frequently Asked Questions about UTI India Consumer Fund
What is the expense ratio of UTI India Consumer Fund?
UTI India Consumer Fund has a total expense ratio (TER) of 2.43% with a base expense ratio of 2.03%, compared to the Sectoral / Thematic category median of 2.52%.
Who manages UTI India Consumer Fund?
UTI India Consumer Fund is managed by Vicky Punjabi (tenure: 1.4 years since 2025-06-16).
What are the historical returns of UTI India Consumer Fund?
UTI India Consumer Fund delivered a 3-year CAGR of 10.12% and a 5-year CAGR of 7.54%. Its 1-year return stands at -1.06%.
How large is UTI India Consumer Fund?
UTI India Consumer Fund manages assets of Rs 742 cr, placing it in the 'comfortable' size band relative to Sectoral / Thematic peers.
How is UTI India Consumer Fund scored on MFIQ?
UTI India Consumer Fund holds an MFIQ Score of 3.5/10 (Weak), based on a category percentile composite across returns, risk, consistency, and cost.
How risky is UTI India Consumer Fund?
UTI India Consumer Fund has an official SEBI riskometer rating of Very High. Over the analyzed period, its annualized standard deviation is 13.99% with a maximum historical drawdown of -56.92%.