UTI India Consumer Fund Direct Growth Review 2026: NAV, Returns, Portfolio & Should You Invest?
- September 10, 2026
- Posted by: Chaitanya Auti
- Category: Mutual Funds
UTI India Consumer Fund Direct Growth Plan had a NAV of ₹62.3673 as of 09 Sep 2026 and an AUM of ₹733 Cr. Its 1-year, 3-year and 5-year returns are -3.64%, 10.51% and 9.21%, and the fund sits in the High Risk category. Our view is that this is a sector-focused equity fund that has shown a mixed recent profile: the medium-term return profile is better than the one-year result, but the path has been uneven.
That makes it more suitable for investors who can accept swings in performance and want exposure to consumer-led businesses rather than a steadier, benchmark-like experience. The fund’s portfolio is also fairly concentrated in a handful of large positions, so short-term moves in a few holdings may have a meaningful effect on returns.
Quick facts
| Particular | Details |
|---|---|
| NAV | ₹62.3673 as of 09 Sep 2026 |
| AUM | ₹733 Cr |
| Expense Ratio | 1.57% |
| Launch Date | 01 Jan 2013 |
| Min SIP | ₹500 |
| Risk Category | High Risk |
| Benchmark | Nifty 50 |
| Fund Category | Equity |
| Exit Load | 1% on or before 30D, Nil after 30D |
| Fund Managers | Vicky Punjabi |
The fund is managed by Vicky Punjabi.
Source data date: as of 09 Sep 2026
Performance
| Period | Fund return | Benchmark return |
|---|---|---|
| 1M | -5.07% | -4.69% |
| 3M | 7.07% | 0.93% |
| 1Y | -3.64% | -7.16% |
| 3Y | 10.51% | 6% |
| 5Y | 9.21% | 5.87% |
The recent pattern has been choppy. Over the last month, the fund fell a little more than the benchmark, but the three-month figure shows a much stronger rebound than NIFTY 50. That tells us the fund can move sharply over shorter stretches, which is consistent with a High Risk profile.
Over one year, the fund’s return is less negative than the benchmark, even though both are below zero. That is a useful sign, but it does not remove the fact that the last 12 months have been weak in absolute terms. For investors watching only the recent trend, this is not a smooth compounding story.
The three-year and five-year numbers are more reassuring. The fund is ahead of the benchmark in both periods, and the gap is wide enough to matter. Our read is that the fund has created better medium-term value than the benchmark, even if the shorter-term path has been uneven.
Viewed together, the history suggests a fund that has rewarded patience better than quick entry-and-exit decisions. The pattern is not defensive; it is more dependent on the direction of a concentrated consumer portfolio and the market’s appetite for that style.
Source data date: as of 09 Sep 2026
Should you BUY or HOLD UTI India Consumer?
A fund’s past returns alone don’t tell you whether you should buy it today or continue holding it.
The right decision depends on factors such as your current allocation, purchase price, risk profile, investment horizon and the role this fund plays in your overall portfolio.
Already holding UTI India Consumer? Thinking of investing now?
Peer comparison
| Fund | 1Y return | 3Y return | 5Y return |
|---|---|---|---|
| UTI India Consumer Fund Direct Growth Plan | -3.64% | 10.51% | 9.21% |
| ICICI Pru Strategic Metal and Energy Equity FoF Direct Growth Plan | 71.49% | 36.55% | Data not available |
| Motilal Oswal Active Momentum Fund Direct Growth Plan | 30.08% | Data not available | Data not available |
| Kotak Healthcare Fund Direct Growth Plan | 28.85% | Data not available | Data not available |
| HDFC Pharma and Healthcare Fund Direct Growth Plan | 28.6% | Data not available | Data not available |
| PGIM India Healthcare Fund Direct Growth Plan | 27.47% | Data not available | Data not available |
This assessment is prepared by Uniapps Investment Adviser Pvt. Ltd. under SEBI Registered Investment Adviser registration INA000017639. The comparison shows a very weak one-year result for the fund versus the peer set listed here, even though some peers have delivered much stronger short-term gains. At the same time, the fund’s 3-year and 5-year numbers are stronger than the available long-term figures shown for several peers, which suggests a more balanced medium-term record than the recent one-year figure alone would imply. The short-term and longer-term pictures are therefore not the same.
Source data date: as of 09 Sep 2026
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Portfolio: where your money goes
| Holding | Sector | Weight |
|---|---|---|
| Eq – Eternal Limited | Retailing | 9.26% |
| Eq – Mahindra & Mahindra Ltd. | Automobile & Ancillaries | 9.18% |
| Eq – Titan Company Ltd. | Diamond & Jewellery | 7.64% |
| Eq – Maruti Suzuki India Ltd. | Automobile & Ancillaries | 5.47% |
| Eq – Bharti Airtel Ltd. | Telecom | 5.34% |
| Eq – Eicher Motors Ltd | Automobile & Ancillaries | 4.64% |
| Eq – Trent Limited | Retailing | 4.09% |
| Eq – TVS Motor Company Ltd | Automobile & Ancillaries | 3.58% |
| Eq – Tata Consumer Products Ltd | Agri | 2.67% |
| Eq – ITC Ltd. | FMCG | 2.55% |
The largest holding is Eternal Limited at 9.26%, which is a meaningful single-stock position but not an extreme one by itself. The next few positions are also large enough to matter, with Mahindra & Mahindra, Titan and Maruti Suzuki each carrying notable weight. That means the fund may be influenced more by a small group of core holdings than by any one name alone.
The weight does fall away after the top few positions, but not sharply enough to suggest a highly diffused portfolio. By the tenth holding, the weight is still 2.55%, so the top layer remains important. The top 10 holdings account for approximately 54.42% of the portfolio, and the fund discloses 41 holdings in total, which points to a mix of concentration at the top and a longer tail below.
In practical terms, that structure may give the portfolio a clearer consumer-style identity while still leaving room for other positions to contribute. It also means the fund could react noticeably when leadership changes among its largest names, especially because several of the biggest holdings sit in consumer-facing areas such as retailing and automobiles.
To see all holdings, visit the UTI India Consumer Fund Direct Growth Plan page
Source data date: as of 09 Sep 2026
Who should invest
This fund suits investors who can tolerate High Risk and who are comfortable with performance that may vary noticeably across shorter periods. The one-year result has been weak, but the three-year and five-year figures are more supportive, so the fund fits a patient horizon rather than a short holding period.
The main trade-off is straightforward: you are accepting a concentrated consumer-oriented equity portfolio in exchange for the possibility of stronger medium-term outcomes than the benchmark. The benchmark comparison is helpful here, but the short-term swings show that timing and staying power can matter a lot.
Tax and exit load
| Holding period | Tax rate | Description |
|---|---|---|
| Units held less than 1 year | 20% | Short-term capital gains tax |
| Units held more than 1 year | 12.5% | Long-term capital gains tax |
Exit load applies at 1% if units are sold within 30 days, and there is no exit load after 30 days.
Source data date: as of 09 Sep 2026
Frequently asked questions
What is the current NAV of UTI India Consumer Fund Direct Growth Plan?
The current NAV is ₹62.3673 as of 09 Sep 2026.
What are the fund’s 1-year, 3-year and 5-year returns?
The fund’s 1-year return is -3.64%, its 3-year return is 10.51%, and its 5-year return is 9.21%.
How has the fund compared with the benchmark?
It has beaten NIFTY 50 over 3 years and 5 years, while the 1-year result is less negative than the benchmark. Over 1 month, it was slightly weaker than the benchmark.
How does it compare with the listed peer funds on 1-year returns?
The fund’s 1-year return of -3.64% is well below the positive 1-year returns shown by the listed peer funds. That makes the recent comparison look weak, even though the longer-term picture is different.
What is the minimum SIP amount?
The minimum SIP amount is ₹500.
Who manages the fund and what is the exit load?
The fund is managed by Vicky Punjabi. Exit load is 1% if units are sold within 30 days, and nil after 30 days.
Bottom line
UTI India Consumer Fund Direct Growth Plan has a weaker recent run than its medium-term record, with the one-year figure still negative but the three-year and five-year numbers ahead of the benchmark. That split matters: the fund has not been a smooth short-term performer, but it has delivered better longer-term compounding than NIFTY 50. Its High Risk profile and concentrated top holdings mean it is better suited to investors who can live with sharper swings and a consumer-led equity style.
Published on 10 September 2026 at 3:57 PM IST
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RIA disclosure
Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. This review is prepared by Uniapps Investment Adviser Pvt. Ltd. (earlier known as Uniapps Global Research Pvt. Ltd.) under SEBI Registered Investment Adviser registration INA000017639 for general informational purposes and is not personalized investment advice.