UTI Small Cap Fund - Regular Plan - Growth Option
💡 Why Pick This Fund? Quantitative Strengths & Watch-outs
- Delivered positive returns in 100% of 3-year investment horizons.
- 5-Year CAGR of 11.63% demonstrates steady long-term compounding.
- Equities carry market risk; returns fluctuate and recommended investment horizon is 5+ years.
Key Statistics vs Category Median
Trailing Returns Comparison
| Period | Fund Return | Category Median | Difference |
|---|---|---|---|
| 1 Month | +1.70% | +1.11% | +0.59% |
| 3 Months | -3.83% | -1.13% | -2.70% |
| 6 Months | +0.84% | +7.86% | -7.02% |
| 1 Year | +2.67% | +11.28% | -8.61% |
| 3 Years CAGR | +11.21% | +13.50% | -2.29% |
| 5 Years CAGR | +11.63% | +13.60% | -1.97% |
| Since Inception | +18.17% | - | - |
📈 Monthly SIP vs Bank Fixed Deposit (FD) Replay
See how a regular monthly SIP in UTI Small Cap Fund compares against a standard 7.0% p.a. Bank Fixed Deposit.
Calendar Year Returns
| Year | Fund | Category Median | Gap |
|---|---|---|---|
| 2026 | +5.38% | +13.95% | -8.57% |
| 2025 | -5.33% | -3.98% | -1.35% |
| 2024 | +26.77% | +25.60% | +1.17% |
| 2023 | +35.32% | +41.38% | -6.06% |
| 2022 | -0.63% | -0.63% | 0.00% |
| 2021 | +55.35% | +61.25% | -5.90% |
Daily Rolling Returns Summary
| Rolling Window | Minimum | Average | Median | Maximum | % Positive | % Beating Proxy |
|---|---|---|---|---|---|---|
| 1-Year Rolling | -8.91% | +16.79% | +11.45% | +63.89% | 85.9% | 55.1% |
| 3-Year Rolling | +10.16% | +19.11% | +18.58% | +29.20% | 100.0% | 0.0% |
| 5-Year Rolling | +11.18% | +15.83% | +15.66% | +20.47% | 100.0% | 1.4% |
Risk Profile & Deepest Drawdowns
Deepest Market Corrections (Depth >= 10%)
| Peak Date | Trough Date | Fall Depth | Months to Bottom | Recovery Period |
|---|---|---|---|---|
| 2024-12-11 | 2025-03-03 | -22.5% | 3 months | 17 months |
| 2022-01-17 | 2022-06-20 | -20.4% | 5 months | 11 months |
| 2026-08-26 | 2026-10-23 | -11.3% | 2 months | Not yet recovered |
Portfolio & Asset Allocation
Statutory Asset Allocation Mandate (SEBI / SID)
| Instrument Category | Permitted Allocation Range |
|---|---|
| Equity and equity related instruments of small cap entities | 65%- 100% Money Market Instruments and other instruments permissible under residual portion: 0% - 35% |
Investment Objective & Strategy
The objective of the scheme is to generate long term capital appreciation by investing predominantly in equity and equity related securities of small cap companies. 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 5,285 cr (AMFI Daily Fund AUM as of 2026-11-11). Positioned as comfortable relative to Small Cap 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 Small Cap Peers by Rank
| Scheme | Score | 3Y Return | Expense | Downside | Fund Size | Compare |
|---|---|---|---|---|---|---|
| Baroda BNP Paribas Small Cap Fund | 3.5 | +11.35% | 2.45% | 81.9% | Rs 1,286 cr | Compare → |
| SBI Small Cap Fund | 4.2 | +10.47% | 1.60% | 75.4% | Rs 41,354 cr | Compare → |
| HSBC Small Cap Fund | 4.7 | +12.12% | 1.77% | 97.4% | Rs 18,630 cr | Compare → |
| CANARA ROBECO SMALL CAP FUND | 3.8 | +9.78% | 1.89% | 83.1% | Rs 13,953 cr | Compare → |
| Edelweiss Small Cap Fund | 5.4 | +12.38% | 1.94% | 79.8% | Rs 7,158 cr | Compare → |
Frequently Asked Questions about UTI Small Cap Fund
What is the expense ratio of UTI Small Cap Fund?
UTI Small Cap Fund has a total expense ratio (TER) of 2.01% with a base expense ratio of 1.59%, compared to the Small Cap category median of 2.17%.
Who manages UTI Small Cap Fund?
UTI Small Cap Fund is managed by Nitin Jain.
What are the historical returns of UTI Small Cap Fund?
UTI Small Cap Fund delivered a 3-year CAGR of 11.21% and a 5-year CAGR of 11.63%. Its 1-year return stands at +2.67%.
How large is UTI Small Cap Fund?
UTI Small Cap Fund manages assets of Rs 5,285 cr, placing it in the 'comfortable' size band relative to Small Cap peers.
How is UTI Small Cap Fund scored on MFIQ?
UTI Small Cap Fund holds an MFIQ Score of 4.2/10 (Weak), based on a category percentile composite across returns, risk, consistency, and cost.
How risky is UTI Small Cap Fund?
UTI Small Cap Fund has an official SEBI riskometer rating of Very High. Over the analyzed period, its annualized standard deviation is 16.95% with a maximum historical drawdown of -22.54%.