{"id":222029,"date":"2026-08-28T11:18:16","date_gmt":"2026-08-28T05:48:16","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=222029"},"modified":"2026-08-28T11:18:18","modified_gmt":"2026-08-28T05:48:18","slug":"uti-nifty-50-index-fund-direct-growth-review-2026","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/uti-nifty-50-index-fund-direct-growth-review-2026\/","title":{"rendered":"UTI Nifty 50 Index Fund Direct Growth Review 2026: NAV, Returns, Portfolio &#038; Should You Invest?"},"content":{"rendered":"<p><a href=\"https:\/\/univest.in\/mutual-funds\/uti-nifty-50-index-fund-g-direct-plan\">UTI Nifty 50 Index Fund Direct Growth Plan<\/a> had a NAV of \u20b9169.6315 as of 27 August 2026 and a scheme AUM of \u20b929,602 Cr. Its 1-year, 3-year and 5-year returns are -1.1624%, 8.9113% and 8.8269%, and the fund sits in the High Risk category.<\/p>\n<p>Our view is that this is a straightforward large-cap index option for investors who want Nifty 50 exposure with low ongoing costs and very high portfolio concentration in large companies. The fund has lagged over 1 year but has held up better over 3 years and 5 years than the benchmark, which makes it more suitable for investors who can stay invested through short-term swings.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/uti-nifty-50-index-fund-direct-growth-review-2026\/#Quick_facts\" title=\"Quick facts\">Quick facts<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/uti-nifty-50-index-fund-direct-growth-review-2026\/#Performance\" title=\"Performance\">Performance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/uti-nifty-50-index-fund-direct-growth-review-2026\/#Should_you_BUY_or_HOLD_UTI_Nifty_50_Index\" title=\"Should you BUY or HOLD UTI Nifty 50 Index?\">Should you BUY or HOLD UTI Nifty 50 Index?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/uti-nifty-50-index-fund-direct-growth-review-2026\/#Peer_comparison\" title=\"Peer comparison\">Peer comparison<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/uti-nifty-50-index-fund-direct-growth-review-2026\/#Portfolio_where_your_money_goes\" title=\"Portfolio: where your money goes\">Portfolio: where your money goes<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/uti-nifty-50-index-fund-direct-growth-review-2026\/#Who_should_invest\" title=\"Who should invest\">Who should invest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/uti-nifty-50-index-fund-direct-growth-review-2026\/#Tax_and_exit_load\" title=\"Tax and exit load\">Tax and exit load<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/uti-nifty-50-index-fund-direct-growth-review-2026\/#Frequently_asked_questions\" title=\"Frequently asked questions\">Frequently asked questions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/uti-nifty-50-index-fund-direct-growth-review-2026\/#What_is_the_current_NAV_of_UTI_Nifty_50_Index_Fund_Direct_Growth_Plan\" title=\"What is the current NAV of UTI Nifty 50 Index Fund Direct Growth Plan?\">What is the current NAV of UTI Nifty 50 Index Fund Direct Growth Plan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/uti-nifty-50-index-fund-direct-growth-review-2026\/#What_are_the_funds_1-year_3-year_and_5-year_returns\" title=\"What are the fund\u2019s 1-year, 3-year and 5-year returns?\">What are the fund\u2019s 1-year, 3-year and 5-year returns?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/uti-nifty-50-index-fund-direct-growth-review-2026\/#How_has_the_fund_performed_against_the_Nifty_50_benchmark\" title=\"How has the fund performed against the Nifty 50 benchmark?\">How has the fund performed against the Nifty 50 benchmark?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/univest.in\/blogs-2\/uti-nifty-50-index-fund-direct-growth-review-2026\/#What_is_the_minimum_SIP_amount\" title=\"What is the minimum SIP amount?\">What is the minimum SIP amount?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/univest.in\/blogs-2\/uti-nifty-50-index-fund-direct-growth-review-2026\/#Is_this_fund_high_risk\" title=\"Is this fund high risk?\">Is this fund high risk?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/univest.in\/blogs-2\/uti-nifty-50-index-fund-direct-growth-review-2026\/#Who_manages_the_fund_and_is_there_an_exit_load\" title=\"Who manages the fund and is there an exit load?\">Who manages the fund and is there an exit load?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/univest.in\/blogs-2\/uti-nifty-50-index-fund-direct-growth-review-2026\/#Bottom_line\" title=\"Bottom line\">Bottom line<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/univest.in\/blogs-2\/uti-nifty-50-index-fund-direct-growth-review-2026\/#Explore_mutual_funds_with_Univest\" title=\"Explore mutual funds with Univest\">Explore mutual funds with Univest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/univest.in\/blogs-2\/uti-nifty-50-index-fund-direct-growth-review-2026\/#RIA_disclosure\" title=\"RIA disclosure\">RIA disclosure<\/a><\/li><\/ul><\/nav><\/div>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Quick_facts\"><\/span>Quick facts<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Item<\/th>\n<th>Details<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>NAV<\/td>\n<td>\u20b9169.6315<\/td>\n<\/tr>\n<tr>\n<td>AUM<\/td>\n<td>\u20b929,602 Cr<\/td>\n<\/tr>\n<tr>\n<td>Expense Ratio<\/td>\n<td>0.17%<\/td>\n<\/tr>\n<tr>\n<td>Launch Date<\/td>\n<td>01 January 2013<\/td>\n<\/tr>\n<tr>\n<td>Min SIP<\/td>\n<td>\u20b9500<\/td>\n<\/tr>\n<tr>\n<td>Risk Category<\/td>\n<td>High Risk<\/td>\n<\/tr>\n<tr>\n<td>Benchmark<\/td>\n<td>Nifty 50<\/td>\n<\/tr>\n<tr>\n<td>Fund Category<\/td>\n<td>Index Funds<\/td>\n<\/tr>\n<tr>\n<td>Exit Load<\/td>\n<td>No exit load<\/td>\n<\/tr>\n<tr>\n<td>Fund Managers<\/td>\n<td>Sharwan Kumar Goyal, Ayush Jain, Lokesh Kulthia<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The fund is managed by Sharwan Kumar Goyal, Ayush Jain and Lokesh Kulthia.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 27 Aug 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Performance\"><\/span>Performance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Period<\/th>\n<th>Fund return<\/th>\n<th>Benchmark return<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>1M<\/td>\n<td>0.54%<\/td>\n<td>0.44%<\/td>\n<\/tr>\n<tr>\n<td>3M<\/td>\n<td>2.89%<\/td>\n<td>2.31%<\/td>\n<\/tr>\n<tr>\n<td>1Y<\/td>\n<td>-1.16%<\/td>\n<td>-2.53%<\/td>\n<\/tr>\n<tr>\n<td>3Y<\/td>\n<td>8.91%<\/td>\n<td>6.72%<\/td>\n<\/tr>\n<tr>\n<td>5Y<\/td>\n<td>8.83%<\/td>\n<td>7.06%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The fund has been slightly ahead of the benchmark in the short run as well as over the longer 3-year and 5-year windows. Even with that edge, the 1-year return remains negative, which tells us the recent path has not been smooth.<\/p>\n<p>The 1-month and 3-month patterns point to a gradual recovery rather than a sharp breakout. The fund has moved in a fairly steady manner, with brief soft patches followed by improvement, which is typical of a broad large-cap index strategy in a volatile market phase.<\/p>\n<p>Over 3 years and 5 years, the compounding pattern is more constructive. The longer trend suggests that the fund has participated in market gains better than the benchmark, but the gap is not so wide that it changes the character of the product; it still behaves like a core index exposure rather than a differentiated return engine.<\/p>\n<p>For investors, the key takeaway is that the fund has recovered better than the benchmark over the medium and long term, but recent returns show that downside phases can still show up even in a large-cap index fund. That combination makes patience important.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 27 Aug 2026<\/small><\/p>\n<section class=\"univest-mf-premium-cta\" style=\"margin:28px 0;padding:24px;border-radius:10px;border:1px solid #d8e3f0;background:#f7faff\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Should_you_BUY_or_HOLD_UTI_Nifty_50_Index\"><\/span>Should you BUY or HOLD UTI Nifty 50 Index?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A fund&#8217;s past returns alone don&#8217;t tell you whether you should buy it today or continue holding it.<\/p>\n<p>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.<\/p>\n<p><strong>Already holding UTI Nifty 50 Index? Thinking of investing now?<\/strong><\/p>\n<p><a href=\"https:\/\/univest.in\/mutual-funds\" style=\"font-weight:700;text-decoration:none\">Get your portfolio analysed for FREE by SEBI-registered Investment Adviser (RIA) through Univest MF Premium<\/a><\/p>\n<\/section>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Peer_comparison\"><\/span>Peer comparison<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Fund<\/th>\n<th>1Y return<\/th>\n<th>3Y return<\/th>\n<th>5Y return<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/uti-nifty-50-index-fund-g-direct-plan\">UTI Nifty 50 Index Fund Direct Growth Plan<\/a><\/td>\n<td>-1.16%<\/td>\n<td>8.91%<\/td>\n<td>8.83%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/icici-pru-nasdaq-100-index-fund-g-direct-plan\">ICICI Pru NASDAQ 100 Index Fund Direct Growth Plan<\/a><\/td>\n<td>35.37%<\/td>\n<td>31.28%<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/aditya-birla-sl-nifty-india-defence-index-fund-g-direct-plan\">Aditya Birla SL Nifty India Defence Index Fund Direct Growth Plan<\/a><\/td>\n<td>30.31%<\/td>\n<td>Data not available<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/motilal-oswal-nifty-india-defence-index-fund-g-direct-plan\">Motilal Oswal Nifty India Defence Index Fund Direct Growth Plan<\/a><\/td>\n<td>29.66%<\/td>\n<td>Data not available<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/motilal-oswal-nifty-capital-market-index-fund-g-direct-plan\">Motilal Oswal Nifty Capital Market Index Fund Direct Growth Plan<\/a><\/td>\n<td>29.44%<\/td>\n<td>Data not available<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/tata-nifty-capital-markets-index-fund-g-direct-plan\">Tata Nifty Capital Markets Index Fund Direct Growth Plan<\/a><\/td>\n<td>29.17%<\/td>\n<td>Data not available<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>This assessment is prepared by Uniapps Investment Adviser Pvt. Ltd. under SEBI Registered Investment Adviser registration INA000017639.<\/p>\n<p>The fund\u2019s 1-year return trails the strongest peer figures in this set, but the comparison is less stark over longer periods because several peers do not have 3-year or 5-year figures available. Where longer data exists, the current fund\u2019s 3-year and 5-year returns are steady, but they are still well below the standout 1-year gains shown by the more thematic funds in the list. That mix tells us the fund\u2019s role is different: it is a broad-market core holding, not a short-term return chaser.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 27 Aug 2026<\/small><\/p>\n<div class=\"univest-peer-login-cta\" style=\"margin:20px 0;padding:16px 18px;border:1px solid #d8e3f0;border-radius:8px;background:#f7faff\">\n<p style=\"margin:0\"><strong>Want to know more?<\/strong> <a href=\"https:\/\/univest.in\/user\/log-in\" style=\"font-weight:700;text-decoration:none\">Log in to Univest<\/a> for more mutual fund insights.<\/p>\n<\/div>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Portfolio_where_your_money_goes\"><\/span>Portfolio: where your money goes<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>Market-cap mix:<\/strong> Large cap 99.71%, Mid cap 0%, Small cap 0%, Other 0.29%<\/p>\n<table>\n<thead>\n<tr>\n<th>Sector<\/th>\n<th>Weight<\/th>\n<th>Top holdings<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>BANK<\/td>\n<td>52.53%<\/td>\n<td>EQ KOTAK MAHINDRA BANK LTD. (17.81%), EQ &#8211; HDFC BANK LIMITED (7.67%)<\/td>\n<\/tr>\n<tr>\n<td>CRUDE OIL<\/td>\n<td>6.17%<\/td>\n<td>EQ &#8211; RELIANCE INDUSTRIES LTD. (5.58%), EQ &#8211; OIL &amp; NATURAL GAS CORPORATION (0.6%)<\/td>\n<\/tr>\n<tr>\n<td>IT<\/td>\n<td>6.11%<\/td>\n<td>EQ &#8211; INFOSYS LTD. (2.74%), EQ &#8211; TATA CONSULTANCY SERVICES LTD. (1.59%)<\/td>\n<\/tr>\n<tr>\n<td>AUTOMOBILE &amp; ANCILLARIES<\/td>\n<td>4.5%<\/td>\n<td>EQ &#8211; MAHINDRA &amp; MAHINDRA LTD. (1.74%), EQ &#8211; MARUTI SUZUKI INDIA LTD. (1.11%)<\/td>\n<\/tr>\n<tr>\n<td>FMCG<\/td>\n<td>3.61%<\/td>\n<td>EQ &#8211; ITC LTD. (1.87%), EQ &#8211; HINDUSTAN UNILEVER LTD (1.17%)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The portfolio is overwhelmingly large-cap, with no meaningful mid-cap or small-cap allocation. That makes the fund\u2019s behaviour closely tied to the largest listed companies in the Nifty 50, which usually supports broad market participation without adding smaller-company risk.<\/p>\n<p>Banks dominate the portfolio at 52.53%, and that is materially larger than the next sector weights. Crude oil and IT are both near 6%, while automobile and FMCG are smaller again, so the sector mix is clearly led by financials rather than spread evenly across the market.<\/p>\n<p>Because of that concentration, the BANK bucket is likely to have greater influence on how the fund behaves than any other sector. Reliance, Infosys and the leading auto and FMCG names can still matter, but bank exposure is the main driver within this portfolio structure.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 27 Aug 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Who_should_invest\"><\/span>Who should invest<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>This fund suits investors who are comfortable with High Risk and who can stay invested for a longer horizon. The 1-year return has been weak, but the 3-year and 5-year numbers are more stable and sit above the benchmark, which means the fund has rewarded patience better than short-term timing.<\/p>\n<p>It is best viewed as a core large-cap allocation for investors who want index-like exposure with very low expense drag and a heavy tilt toward financials. The trade-off is that returns can still be uneven in the short run, and the portfolio will remain closely tied to a concentrated set of large Indian companies.<\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Tax_and_exit_load\"><\/span>Tax and exit load<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Holding period<\/th>\n<th>Tax rate<\/th>\n<th>Description<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Units held less than 1 year<\/td>\n<td>20%<\/td>\n<td>Short-term capital gains tax<\/td>\n<\/tr>\n<tr>\n<td>Units held more than 1 year<\/td>\n<td>12.5%<\/td>\n<td>Long-term capital gains tax<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>Exit load:<\/strong> No exit load.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 27 Aug 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Frequently_asked_questions\"><\/span>Frequently asked questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"What_is_the_current_NAV_of_UTI_Nifty_50_Index_Fund_Direct_Growth_Plan\"><\/span>What is the current NAV of UTI Nifty 50 Index Fund Direct Growth Plan?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The current NAV is \u20b9169.6315 as of 27 August 2026.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"What_are_the_funds_1-year_3-year_and_5-year_returns\"><\/span>What are the fund\u2019s 1-year, 3-year and 5-year returns?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The fund\u2019s returns are -1.1624% for 1 year, 8.9113% for 3 years and 8.8269% for 5 years.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"How_has_the_fund_performed_against_the_Nifty_50_benchmark\"><\/span>How has the fund performed against the Nifty 50 benchmark?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>It has been ahead of the Nifty 50 over 1 year, 3 years and 5 years. The gap is clearer over the longer windows, while the 1-year number remains negative.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"What_is_the_minimum_SIP_amount\"><\/span>What is the minimum SIP amount?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The minimum SIP amount is \u20b9500.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Is_this_fund_high_risk\"><\/span>Is this fund high risk?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Yes, it is tagged as High Risk. The portfolio is almost entirely large-cap, but the sector mix is concentrated, especially in banks.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Who_manages_the_fund_and_is_there_an_exit_load\"><\/span>Who manages the fund and is there an exit load?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The fund is managed by Sharwan Kumar Goyal, Ayush Jain and Lokesh Kulthia. There is no exit load.<\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Bottom_line\"><\/span>Bottom line<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>UTI Nifty 50 Index Fund Direct Growth Plan has been uneven in the short run, but its 3-year and 5-year records are steadier and sit above the benchmark. The fund remains a High Risk large-cap index product, and its portfolio is heavily tilted toward banks, which can matter more than many investors expect. For investors seeking broad Nifty 50 exposure and willing to accept short-term swings, the main appeal is its low-cost, large-cap core structure rather than standout recent momentum.<\/p>\n<p class=\"univest-posted-at\" style=\"font-size:14px;color:#666;margin:20px 0 8px\">Published on 28 August 2026 at 10:43 AM IST<\/p>\n<section class=\"univest-login-cta\" style=\"margin:28px 0;padding:24px;border-radius:10px;background:#eef5ff;border:1px solid #cddff7;text-align:center\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Explore_mutual_funds_with_Univest\"><\/span>Explore mutual funds with Univest<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Review mutual fund data, compare performance and explore fund insights on Univest.<\/p>\n<p><a href=\"https:\/\/univest.in\/user\/log-in\" style=\"display:inline-block;padding:11px 20px;border-radius:6px;background:#1f4e79;color:#fff !important;text-decoration:none;font-weight:700\">Explore Univest<\/a><\/p>\n<\/section>\n<section class=\"univest-disclaimer\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"RIA_disclosure\"><\/span>RIA disclosure<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>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.<\/p>\n<\/section>\n<p><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"InvestmentFund\",\"name\":\"UTI Nifty 50 Index Fund Direct Growth Plan\",\"identifier\":\"uti-nifty-50-index-fund-g-direct-plan\",\"category\":\"Index Funds\",\"dateCreated\":\"01 Jan 2013\",\"isAccessibleForFree\":true,\"additionalProperty\":[{\"@type\":\"PropertyValue\",\"name\":\"NAV\",\"value\":169.6315,\"valueReference\":\"as of 27 Aug 2026\"},{\"@type\":\"PropertyValue\",\"name\":\"AUM\",\"value\":\"29602 Cr\"},{\"@type\":\"PropertyValue\",\"name\":\"Expense Ratio\",\"value\":\"0.17\"},{\"@type\":\"PropertyValue\",\"name\":\"Benchmark\",\"value\":\"Nifty 50\"},{\"@type\":\"PropertyValue\",\"name\":\"1Y Return\",\"value\":-1.1624},{\"@type\":\"PropertyValue\",\"name\":\"3Y Return\",\"value\":8.9113},{\"@type\":\"PropertyValue\",\"name\":\"5Y Return\",\"value\":8.8269},{\"@type\":\"PropertyValue\",\"name\":\"Fund Managers\",\"value\":\"Sharwan Kumar Goyal, Ayush Jain, Lokesh Kulthia\"}]}<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is the current NAV of UTI Nifty 50 Index Fund Direct Growth Plan?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The current NAV is \u20b9169.6315 as of 27 August 2026.\"}},{\"@type\":\"Question\",\"name\":\"What are the fund\u2019s 1-year, 3-year and 5-year returns?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The fund\u2019s returns are -1.1624% for 1 year, 8.9113% for 3 years and 8.8269% for 5 years.\"}},{\"@type\":\"Question\",\"name\":\"How has the fund performed against the Nifty 50 benchmark?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It has been ahead of the Nifty 50 over 1 year, 3 years and 5 years. The gap is clearer over the longer windows, while the 1-year number remains negative.\"}},{\"@type\":\"Question\",\"name\":\"What is the minimum SIP amount?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The minimum SIP amount is \u20b9500.\"}},{\"@type\":\"Question\",\"name\":\"Is this fund high risk?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes, it is tagged as High Risk. The portfolio is almost entirely large-cap, but the sector mix is concentrated, especially in banks.\"}},{\"@type\":\"Question\",\"name\":\"Who manages the fund and is there an exit load?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The fund is managed by Sharwan Kumar Goyal, Ayush Jain and Lokesh Kulthia. There is no exit load.\"}}]}<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"Person\",\"name\":\"{{ANALYST_NAME}}\",\"affiliation\":{\"@type\":\"Organization\",\"name\":\"Uniapps Investment Adviser Pvt. 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Ltd. \u2014 SEBI Registered Investment Adviser INA000017639\"}<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>UTI Nifty 50 Index Fund Direct Growth Plan is a High Risk Nifty 50 index fund with \u20b9169.6315 NAV, \u20b929,602 Cr AUM and 5-year return of 8.8269%.<\/p>\n","protected":false},"author":29,"featured_media":222028,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3841],"tags":[],"class_list":["post-222029","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mutual-funds"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["222028"],"rank_math_title":["UTI Nifty 50 Index Fund Review 2026 | NAV &amp; Returns"],"rank_math_description":["UTI Nifty 50 Index Fund Direct Growth Plan NAV is \u20b9169.6315; 1Y return -1.16%, 3Y 8.91%, 5Y 8.83% as of 27 Aug 2026."],"rank_math_focus_keyword":["UTI Nifty 50 Index Fund Direct 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