December 27, 2025
RA Jainee
UTI Flexi Cap Fund
| Fund at a Glance | |
| NAV Growth | Rs 347.33 |
| NAV Bonus | — |
| NAV IDCW | Rs 231.14 |
| Min. Investment (Rs.) | 5,000 |
| Min. SIP Investment (Rs.) | 500 |
| Min. No of Cheques | 6 |
| Benchmark | NIFTY 500 TRI |
| AUM Rs. | 25,575 Cr |
| (As on 30-Nov-2025) | |
| Expense | 1.03% |
| 1 Year Return (%) | 2.47 |
| 3 Year Return (%) | 12.94 |
| 5 Year Return (%) | 11.38 |
| 10 Year Return (%) | 13.24 |
| Return Since Launch | 14.00% |
⚖️ Sahifund Review – UTI Flexi Cap Fund
PLUS: Stability | Track Record | Legacy Management
UTI Flexi Cap Fund is a long-standing scheme with a disciplined investment philosophy, managed by a highly experienced in-house team. Its diversified exposure across market caps provides flexibility to navigate different market cycles. The fund follows a low portfolio turnover approach, indicating patience and long-term conviction rather than frequent churn. It suits investors who prefer steady participation in equities with controlled risk-taking. UTI’s legacy research framework adds a layer of comfort for conservative equity allocators.
MINUS: High Expense | Performance Lag | Large-Cap Tilt
The expense ratio of 1.03% is on the higher side among flexi-cap peers, impacting net returns. Despite the flexi-cap mandate, the portfolio shows a large-cap-heavy bias, limiting alpha generation. Returns have consistently lagged benchmark and category averages across 1, 3 and 5 years. In momentum-driven markets, the fund has struggled to keep pace with more agile competitors.
Sahifund View (Decisive Line):
Best suited for very conservative long-term investors, but performance-focused investors may find better flexi-cap alternatives on Sahifund.com.
👉 Apply Online | Ask Us MF Queries |
| NFO Guidance |
What lies ahead? Below we decode returns consistency, portfolio concentration, peer positioning and risk profile in detail.
Suitable For Which Investors?
When you invest for five years or more, you can expect gains that comfortably beat the inflation rate as well as returns from fixed income options. But be prepared for ups and downs in your investment value along the way.
This is a flexi-cap fund where the fund management team has complete freedom to invest in companies of different sizes, depending on where it expects maximum gains. This versatility makes flexi-cap funds most suitable for equity fund investors, as the job of stock selection is left completely to the fund manager, which is the very idea of investing in a mutual fund.
Like for all equity funds, you must invest only through the SIP route.
Fund’s Investment Strategy:
The scheme seeks to generate long term capital appreciation by investing predominantly in equity and equity related securities of companies across the market capitalization spectrum.
Fund Manager:
1) Ajay Tyagi
Education: Mr Tyagi has done CFA Charterholder from The CFA Institute, USA and Masters in Finance from Delhi University.
Experience: He has been working in equity research in UTI since 2000. He has also worked as Assistant Fund Manager in the Offshore Funds division.
2) Kamal Gada
Education: Mr. Gada is B.com, CA, CS, & CFA
Experience: Prior to joining UTI Mutual Fund he has worked with BPCL as Senior Accounts Officer.
3) Ravi Gupta
Education: Mr. Gupta has done MBA (Finance)
Experience: He has been working with UTI Mutual Fund since 2006
Investment Details
| Min. Investment (Rs) | 5,000 |
| Min. Addl Investment (Rs) | 1,000 |
| Min. SIP Investment (Rs) | 500 |
| Min. Withdrawal (Rs) | — |
| Min. No of Cheques | 6 |
| Min. Balance (Rs) | 5,000 |
| Lock-in Period | NA |
| Exit Load | For units in excess of 10% of the investment, 1% will be charged for redemption Within 365 days |
Basic Details of UTI Flexi Cap Fund
| Fund House | UTI Mutual Fund |
| Launch Date | 01-Jan-13 |
| Return Since Launch | 14.00% |
| Benchmark | NIFTY 500 TRI |
| Riskometer | Very High |
| Type | Open-ended |
| Assets | Rs 25,575 Cr |
| (As on 30-Nov-2025) | |
| Expense | 1.03% |
| (As on 30-Nov-2025) | |
| Risk Grade | Above Average |
| Return Grade | Average |
| Turnover | 11.00% |
Trailing Returns (%)
| Fund name | YTD | 1D | 1M | 3M | 6M | 1Y | 3Y | 5Y | 7Y | 10Y |
| UTI Flexi Cap Dir | 2.27 | -0.25 | -1.22 | -1.76 | 0.04 | 2.47 | 12.94 | 11.38 | 14.18 | 13.24 |
| BSE 500 TRI | 7.53 | -0.17 | 0.73 | 2.95 | 3.84 | 7.43 | 17.38 | 17.18 | 16.16 | 14.93 |
| Equity: Flexi Cap | 5.01 | -0.19 | 0.52 | 2.04 | 3.16 | 4.83 | 18.71 | 17.51 | 16.28 | 14.87 |
| Rank within category | 71 | 79 | 110 | 105 | 87 | 70 | 69 | 52 | 36 | 30 |
| Number of funds in category | 95 | 114 | 112 | 109 | 101 | 94 | 72 | 55 | 42 | 35 |
Peer Comparison of UTI Flexi Cap Fund
| Rating | 1 Year Returns | 3 Year Returns | 5 Year Returns | Expense Ratio (%) | Net Assets (Rs Cr) | Return Since Launch (%) | Exit Load (Days) | Fund Age | Turnover (%) | |
| UTI Flexi Cap Dir | 1 star | 2.47 | 12.94 | 11.38 | 1.03 | 25,575 | 14.00 | 1.00 (365) | 12Y 11M | 11.00 |
| Parag Parikh Flexi Cap Dir | 5 star | 9.04 | 23.66 | 21.14 | 0.63 | 1,29,783 | 19.61 | 2.00 (365) | 12Y 7M | 12.67 |
| HDFC Flexi Cap Dir | 5 star | 11.95 | 23.18 | 24.75 | 0.67 | 94,069 | 16.94 | 1.00 (365) | 12Y 11M | 12.51 |
| SBI Focused Dir | 4 star | 16.74 | 20.17 | 18.13 | 0.75 | 42,773 | 16.12 | 0.25 (30) | 12Y 11M | 37.00 |
| HDFC Focused Dir | 5 star | 11.98 | 23.30 | 25.97 | 0.62 | 26,230 | 15.81 | 1.00 (365) | 12Y 11M | 13.75 |
Portfolio Analysis of UTI Flexi Cap Fund
| No. of Stocks | 59 |
| Top 10 Stocks | 44.87% |
| Top 5 Stocks | 27.93% |
| Top 3 Sectors | 66.04% |
| Portfolio P/B Ratio | 5.79 |
| Portfolio P/E Ratio | 38.58 |
Portfolio Breakup
| Fund | Category | |
| Average Mkt Cap (Rs Cr) | 1,77,037 | 1,83,488 |
| Giant (%) | 53.15 | 49.57 |
| Large (%) | 21.03 | 21.41 |
| Mid (%) | 23.59 | 23.80 |
| Small (%) | 2.09 | 6.21 |
| Tiny (%) | 0.15 | 0.79 |
Disclaimer: Mutual fund investments are subject to market risks. Read all scheme related documents carefully
Quicklinks