UTI Flexi Cap Fund - Direct Plan - Growth

Regular

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.
Direct

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.

Category : Flexi Cap Fund

Fund House :

NAV

This number shows latest NAV (Net Asset Value) and change in the NAV from previous day. NAV is nothing but the unit price for the fund. You will be allocated number of units based on this price. NAV is declared once each day generally at the end of the day. Once you invest in mutual funds, your money is further invested in stocks and bonds by mutual fund managers. Mutual Fund NAV is the per unit latest value of all such stocks/bonds held in the portfolio

: ₹ 229.7304 -0.47%
(as on 23rd March, 2023)

Crisil Rank

Relatively weak performance among peers

Fund Size

: ₹ 23944.62 Cr

(9.95% of Investment in Category)

Expense Ratio

: 0.88%

(0.88% Category average)

Risk-O-Meter

Very High

Flexi Cap Fund :Flexi Cap Fund : The fund has 95.47% investment in domestic equities of which 45.16% is in Large Cap stocks, 24.13% is in Mid Cap stocks, 9.83% in Small Cap stocks.The fund has 0.17% investment in Debt, of which 0.17% in Government securities.

Suitable For : Investors who are looking to invest money for at least 3-4 years and looking for high returns. At the same time, these investors should also be ready for possibility of moderate losses in their investments.

Crisil Rank Change : Fund Crisil rank was updated from 2 to 1 in the previous quarter.

1M
3M
6M
1Y
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5Y
ALL

This Scheme

VS

Benchmark
Nifty 500

-1.79%

-4.27%

-6.08%

-1.98%

7.7%

10.35%

12.26%
NA
-2.06%

-2.43%

-3.3%

-0.35%

9.49%

12.08%

10.53%

NA
Gold

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SIP Calculator
VIP (Value Avg)

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Returns (NAV as on 23rd March, 2023)

Period Invested for	₹10000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	16-Mar-23	10033.20	0.33%	-	0.48%	28/35
1 Month	23-Feb-23	9665.60	-3.34%	-	-2.06%	33/34
3 Month	23-Dec-22	9535.20	-4.65%	-	-2.43%	31/33
6 Month	23-Sep-22	9085.90	-9.14%	-	-3.30%	32/33
YTD	30-Dec-22	9401.50	-5.99%	-	-4.86%	27/33
1 Year	23-Mar-22	9062.30	-9.38%	-9.38%	-0.35%	29/30
2 Year	23-Mar-21	10388.80	3.89%	1.93%	9.49%	24/25
3 Year	23-Mar-20	20806.90	108.07%	27.66%	31.51%	17/24
5 Year	23-Mar-18	17904.70	79.05%	12.35%	12.08%	12/21
10 Year	22-Mar-13	39158.80	291.59%	14.61%	15.12%	11/15
Since Inception	02-Jan-13	36252.20	262.52%	13.42%	10.53%	13/33

Returns Calculator Detailed Returns Analysis

SIP Returns (NAV as on 23rd March, 2023)

Period Invested for	₹1000 SIP Started on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	23-Mar-22	12000	11339.31	-5.51 %	-10.08 %
2 Year	23-Mar-21	24000	22310.06	-7.04 %	-6.87 %
3 Year	23-Mar-20	36000	39881.06	10.78 %	6.77 %
5 Year	23-Mar-18	60000	78404.92	30.67 %	10.65 %
10 Year	22-Mar-13	120000	229406.23	91.17 %	12.45 %

SIP Calculator Detailed Returns Analysis

Tax Treatment

If sold after 1 year from purchase date, long term capital gain tax will be applicable. Current tax rate is 10%, if your total long term capital gain exceeds 1 lakh. Any cess/surcharge is not included.|If sold before 1 year from purchase date, short term capital gain tax will be applicable. Current tax rate is 15%. Any cess/surcharge is not included in the 15%.

Portfolio (Updated on 28th Feb,2023)

Portfolio Turnover Ratio : 8.00% | Category average turnover ratio is 101.25%

Fund manager updated portfolio less frequently than peers in last 1 year. (I.e. fund manager held stocks/bonds in the portfolio for longer duration than peers)

Equity Holding : 95.47% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 95.47%

No of Stocks : 61 (Category Avg - 51.23) | Large Cap Investments : 45.16%| Mid Cap Investments : 24.13% | Small Cap Investments : 9.83% | Other : 16.35%

Top 10 Stocks in Portfolio

How to read this table?

Stock Invested in	Sector	Value(Mn)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	Quantity	1M Change in Qty
LTIMindtree Ltd.	Computers - software & consulting	16452.5	6.87%	0.42%	6.87% (Feb 2023)	3.74% (Sep 2022)	34.84 L	-0.84 L
ICICI Bank Ltd.	Private sector bank	14211.9	5.94%	0.22%	6.17% (Nov 2022)	3.81% (Mar 2022)	1.66 Cr	0.00
Bajaj Finance Ltd.	Non banking financial company (nbfc)	13082.5	5.46%	0.27%	6.11% (Jul 2022)	5.08% (Jun 2022)	21.40 L	8.40 k
HDFC Bank Ltd.	Private sector bank	11169.1	4.66%	-0.14%	4.88% (Mar 2022)	4.26% (Sep 2022)	69.82 L	-2.53 L
Infosys Ltd.	Computers - software & consulting	10944.5	4.57%	-0.10%	4.75% (Mar 2022)	4.09% (Sep 2022)	73.57 L	0.00
Kotak Mahindra Bank Ltd.	Private sector bank	9390	3.92%	0.03%	4.38% (May 2022)	3.79% (Mar 2022)	54.30 L	0.00
Avenue Supermarts Ltd.	Diversified retail	8230.7	3.44%	-0.05%	3.91% (Dec 2022)	3.11% (Apr 2022)	24.09 L	0.00
Housing Development Finance Corporation Ltd.	Housing finance company	7655.1	3.20%	-0.02%	3.34% (May 2022)	2.79% (Sep 2022)	29.34 L	-0.36 L
Coforge Ltd.	Computers - software & consulting	7184.5	3.00%	-0.10%	3.1% (Jan 2023)	2.51% (Sep 2022)	16.71 L	-0.37 L
Info Edge (India) Ltd.	Internet & catalogue retail	7180.3	3.00%	-0.01%	3.19% (May 2022)	2.76% (Mar 2022)	20.56 L	72.46 k

- indicates change in weight in the portfolio. # indicates a new entry.

Detailed Portfolio Analysis

No of Debt Holding 1 (Category Avg - 0.74) | Modified Duration 0.00 Years (Category Avg - 2.34)| Yield to Maturity - -- (Category Avg - 7.09%)

Type of Holdings

Security Type	% Weight	Category Average
GOI	0.00%	0.02%
CD	0.00%	0.01%
T-Bills	0.17%	0.05%
CP	0.00%	0.00%
NCD & Bonds	0.00%	0.06%

Investment / Portfolio Grades

Security Type	% Weight	Category Average
Government Backed	0.17%	0.07%
Low Risk	0.00%	0.00%
Moderate Risk	0.00%	0.00%
High Risk	0.00%	0.00%
Very High Risk	0.00%	0.00%
Others	0.00%	0.00%

Detailed Portfolio Analysis

Name	Type of Instrument	Weight (%)
Net Receivables	Net Receivables	4.34%
Margin	Margin	0.02%

Detailed Portfolio Analysis

Risk Ratios

Ratios calculated on daily returns for last 3 years (Updated as on 28th February, 2023)

Standard Deviation
Standard Deviation value gives an idea about how volatile fund returns has been in the past 3 years. Lower value indicates more predictable performance. So if you are comparing 2 funds (lets say Fund A and Fund B) in the same category. If Fund A and Fund B has given 9% returns in last 3 years, but Fund A standard deviation value is lower than Fund B. So you can say that there is a higher chance that Fund A will continue giving similar returns in future also whereas Fund B returns may vary.

Low volatility

19.87vs20.23

Category Avg
Beta
Beta value gives idea about how volatile fund performance has been compared to similar funds in the market. Lower beta implies the fund gives more predictable performance compared to similar funds in the market. So if you are comparing 2 funds (lets say Fund A and Fund B) in the same category. If Fund A and Fund B has given 9% returns in last 3 years, but Fund A beta value is lower than Fund B. So you can say that there is a higher chance that Fund A will continue giving similar returns in future also whereas Fund B returns may vary.

High volatility

0.89vs0.89

Category Avg
Sharpe Ratio
Sharpe ratio indicates how much risk was taken to generate the returns. Higher the value means, fund has been able to give better returns for the amount of risk taken. It is calculated by subtracting the risk-free return, defined as an Indian Government Bond, from the fund's returns, and then dividing by the standard deviation of returns. For example, if fund A and fund B both have 3-year returns of 15%, and fund A has a Sharpe ratio of 1.40 and fund B has a Sharpe ratio of 1.25, you can chooses fund A, as it has given higher risk-adjusted return.

Poor risk adjusted returns

0.4vs0.5

Category Avg
Treynor's Ratio
Treynor's ratio indicates how much excess return was generated for each unit of risk taken. Higher the value means, fund has been able to give better returns for the amount of risk taken. It is calculated by subtracting the risk-free return, defined as an Indian Government Bond, from the fund's returns, and then dividing by the beta of returns. For example, if fund A and fund B both have 3-year returns of 15%, and fund A has a Treynor's ratio of 1.40 and fund B has a Treynor's ratio of 1.25, then you can chooses fund A, as it has given higher risk-adjusted return.

Poor risk adjusted returns

0.09vs0.12

Category Avg
Jension's Alpha
Alpha indicates how fund generated additional returns compared to a benchmark. Let's say if a fund A benchmarks its returns with Nifty50 returns then alpha equal to 1.0 indicates the fund has beaten the nifty returns by 1%, so the higher the alpha, the better.

Poor risk adjusted returns

-1.53vs0.03

Category Avg

Alternative Funds (Category Peers)

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
HDFC Flexi Cap Fund - Direct Plan - Growth	5	31672.65	-1.67	-1.78	2.44	11.43	40.23
ICICI Prudential Flexicap Fund - Direct Plan - Growth	NA	10913.93	-3.17	-2.34	-2.59	6.61	0.00
JM Flexi Cap Fund - Direct - Growth	5	255.58	-2.08	-1.66	0.94	6.23	32.42
Quant Flexi Cap Fund - Direct Plan - Growth	NA	1044.80	-1.47	-4.26	-6.06	5.55	53.16
Kotak Flexi Cap Fund - Direct Plan - Growth	3	35775.03	-1.52	-2.22	-0.30	3.71	30.62
Franklin India Flexi Cap Fund - Direct - Growth	4	9989.33	-1.08	-3.36	-0.81	3.00	36.83
Mahindra Manulife Flexi Cap Fund - Direct Plan - Growth	NA	901.20	-1.69	-0.43	0.01	2.56	0.00
Navi Flexi Cap Fund - Direct Plan - Growth	4	202.55	-2.18	-2.63	-1.77	1.95	31.98
Edelweiss Flexi Cap Fund - Direct Plan - Growth	3	1056.03	-2.19	-1.43	-1.58	1.42	33.48
Shriram Flexi Cap Fund - Direct Plan - Growth	3	60.37	-2.65	-2.72	-4.05	1.36	25.87

Detailed Comparison

More Funds from

Out of 56 mutual fund schemes offered by this AMC, 3 is/are ranked 4 * , 10 is/are ranked 3 * , 8 is/are ranked 2 * , 4 is/are ranked 1 * , and 31 schemes are not ranked. See more about AMC

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
UTI Liquid Cash Plan - Direct Plan - Growth	2	31463.35	0.56	1.68	3.28	5.67	4.40
UTI Flexi Cap Fund - Direct Plan - Growth	1	23944.62	-3.34	-4.65	-9.14	-9.38	27.66
UTI Mastershare Unit Scheme - Direct Plan - Growth	3	10312.04	-2.76	-3.92	-3.64	-2.76	29.69
UTI Nifty 50 Index Fund - Direct Plan - Growth	4	9475.27	-2.50	-4.06	-1.32	-0.02	32.06
UTI Money Market Fund - Direct Plan - Growth	4	7897.93	0.60	1.76	3.39	5.65	5.33
UTI Mid Cap Fund - Direct Plan - Growth	3	7077.84	-3.56	-3.59	-7.63	-0.02	37.32
UTI Value Opportunities Fund - Direct Plan - Growth	2	6740.63	-3.55	-3.70	-3.00	1.15	33.19
UTI Overnight Fund - Direct Plan - Growth	NA	5600.20	0.49	1.55	3.05	5.38	3.88
UTI Hybrid Equity Fund - Direct Plan - Growth	4	4286.95	-1.72	-0.80	0.91	4.87	29.82
UTI CCF- Savings Plan - Direct Plan	NA	4037.09	-0.72	-0.97	-0.83	1.55	16.39