April 28, 2026
RA Jainee
UTI Healthcare Fund
| Fund at a Glance | |
| NAV Growth (Rs.) | 323.55 |
| NAV Bonus (Rs.) | — |
| NAV IDCW (Rs.) | 250.08 |
| Min. Investment (Rs.) | 5,000 |
| Min. SIP Investment (Rs.) | 500 |
| Min. No of Cheques | 6 |
| Benchmark | BSE Healthcare TRI |
| AUM Rs. | 1,056 Cr |
| (As on 31-Mar-2026) | |
| Expense | 1.30% |
| 1 Year Return (%) | 4.62 |
| 3 Year Return (%) | 25.40 |
| 5 Year Return (%) | 14.73 |
| 10 Year Return (%) | 13.55 |
| Return Since Launch | 15.46% |
⚖️ Sahifund Review – UTI Healthcare Fund ✔
PLUS:
• Strong long-term consistency with ~13.55% (10Y) and 15.46% since launch returns
• Consistent benchmark matching/outperformance across multiple cycles
• Solid 3-year return (~25.40%) showcasing strong sector positioning
• Diversified within healthcare space with ~43 stocks
• Balanced mix of pharma, diagnostics and healthcare services
• Suitable for SIP investors aiming to capture sector cycles
• Backed by established fund house UTI Mutual Fund
• High category relevance during healthcare growth and defensive cycles
MINUS:
• Pure sectoral exposure (~98% healthcare) leads to very high concentration risk
• Weak recent momentum with modest 1-year return (~4.62%)
• High valuation portfolio (P/E ~36) increases downside risk
• Underperformance vs top peers like ICICI Pru Healthcare in long-term returns
• Sector cycles can lead to prolonged underperformance phases
• Moderate expense ratio (~1.30%) compared to peers
• Limited diversification outside healthcare sector
• Volatility risk remains high despite defensive nature of sector
Sahifund View (Decisive Line):
A reliable long-term healthcare sector fund with strong track record, but due to high concentration risk, best suited only as a limited SIP-based thematic allocation—not a core portfolio holding.
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| NFO Guidance |
What lies ahead? Below we decode returns consistency, portfolio concentration, peer positioning and risk profile in detail.
Suitable For Which Investors?
Nobody should invest in Pharma funds in our opinion, because:
• They have a narrow focus on only pharmaceutical and healthcare companies
• Instead, diversified equity funds which invest across sectors are better
If you still choose to invest:
1. Invest only through SIP
2. Have a 7+ year investment horizon
3. Be prepared to withstand interim sharp declines in investment value
Fund’s Investment Strategy:
The scheme seeks to generate long term capital appreciation by investing predominantly in equity and equity related securities of companies/institutions engaged in the Healthcare Services Sector.
Fund Manager:
1) 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.
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 | 1% for redemption Within 30 days |
Basic Details of UTI Healthcare Fund
| Fund House | UTI Mutual Fund |
| Launch Date | 01-Jan-13 |
| Return Since Launch | 15.46% |
| Benchmark | BSE Healthcare TRI |
| Riskometer | Very High |
| Type | Open-ended |
| Assets | 1,056 Cr |
| (As on 31-Mar-2026) | |
| Expense | 1.30% |
| (As on 31-Mar-2026) | |
| Risk Grade | Average |
| Return Grade | Above Average |
| Turnover | 33.00% |
UTI Healthcare Fund Returns
| Fund name | YTD | 1D | 1M | 3M | 6M | 1Y | 3Y | 5Y | 7Y | 10Y |
| UTI Healthcare Dir | 0.61 | -1.33 | 4.70 | 6.07 | -1.83 | 4.62 | 25.40 | 14.73 | 19.75 | 13.55 |
| BSE Healthcare TRI | 1.11 | 1.66 | 7.00 | 7.34 | -2.05 | 4.13 | 25.30 | 14.33 | 18.14 | 11.67 |
| Equity: Sectoral-Pharma | 0.40 | -1.13 | 4.27 | 5.70 | -1.11 | 4.10 | 23.39 | 14.54 | 20.48 | 13.88 |
| Rank within category | 12 | 20 | 12 | 11 | 14 | 10 | 3 | 5 | 6 | 3 |
| Number of funds in category | 24 | 25 | 25 | 24 | 23 | 21 | 12 | 10 | 8 | 4 |
Peer Comparison of UTI Healthcare 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 Healthcare Dir | 4 star | 4.62 | 25.40 | 14.73 | 1.30 | 1,056 | 15.46 | 1.00 (30) | 13Y 3M | 33.00 |
| ICICI Pru Pharma Healthcare and Diagnostics Dir | 5 star | 2.83 | 26.97 | 16.60 | 1.05 | 6,293 | 20.18 | 1.00 (15) | 7Y 9M | 57.00 |
| SBI Healthcare Opportunities Dir | 4 star | 1.50 | 25.34 | 16.38 | 0.92 | 4,064 | 17.09 | 0.50 (15) | 13Y 3M | 25.00 |
| Nippon India Pharma Dir | 3 star | 1.67 | 22.91 | 14.18 | 0.93 | 7,898 | 17.05 | 1.00 (30) | 13Y 3M | 14.00 |
| DSP Healthcare Dir | 3 star | 1.17 | 22.46 | 14.64 | 0.62 | 2,892 | 21.52 | 0.50 (30) | 7Y 4M | 4.00 |
UTI Healthcare Fund Portfolio
| No. of Stocks | 43 |
| Top 10 Stocks | 46.83% |
| Top 5 Stocks | 30.07% |
| Top 3 Sectors | 98.67% |
| Portfolio P/B Ratio | 4.86 |
| Portfolio P/E Ratio | 36.06 |
Portfolio Breakup
| Fund | Category | |
| Average Mkt Cap (Rs Cr) | 40,876 | 75,632 |
| Giant (%) | — | — |
| Large (%) | 25.29 | 42.60 |
| Mid (%) | 27.04 | 31.84 |
| Small (%) | 47.67 | 28.14 |
| Tiny (%) | — | — |