UTI India Consumer Fund
Thematic-ConsumptionVery HighOPEN-ENDED
- NAV as on 25 Sep 2026
- ₹56.17+0.38%1 day
- Return since launch
- 9.5%
- 52-week range
- ₹49.72 — ₹60.61
- AUM
- ₹733 Cr
UTI India Consumer Fund is a Thematic-Consumption equity fund from UTI Mutual Fund with ₹733 Cr under management, launched in 2007. Over three years it has returned 2.4% a year, against 9.4% for its category. The expense ratio is 2.41% and the SEBI riskometer reading is Very High.
Performance
UTI India Consumer Fund NAV and returns
Growth of the fund against its category average over the period you pick.
Over 1Y this fund returned -4.2% against -4.1% for its category.
Performance
Returns
How the fund has done against its category and its benchmark.
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1Y | -2.4% | +1.1 pts | -3.4% | -1.1% |
| 2Y | -0.9% | −0.3 pts | -0.6% | -0.8% |
| 3Y | 2.4% | −7.0 pts | 9.4% | 2.1% |
| 5Y | 7.4% | −2.2 pts | 9.6% | 8.1% |
| 7Y | 10.1% | −1.8 pts | 11.9% | 11.1% |
| 10Y | 10.3% | −2.2 pts | 12.5% | 11.3% |
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1M | -5.7% | −1.7 pts | -3.9% | -4.2% |
| 3M | 1.0% | −1.3 pts | 2.3% | 1.3% |
| 6M | 10.5% | −3.0 pts | 13.5% | 11.2% |
| 1Y | -4.2% | −0.8 pts | -3.4% | -4.0% |
| 2Y | -7.3% | −0.8 pts | -6.5% | -6.9% |
| 3Y | 8.9% | −0.5 pts | 9.4% | 8.3% |
| 5Y | 7.3% | −2.3 pts | 9.6% | 9.0% |
| 7Y | 11.5% | −1.9 pts | 13.4% | 12.2% |
| 10Y | 10.3% | −2.2 pts | 12.5% | 11.2% |
Since launch (2 Jul 2007): 9.5%
Calendar-year returns
Category average15.2%
26.4%
-2.3%
23.0%
20.1%
3.8%
Show as a table
| Period | Fund | vs category | Category |
|---|---|---|---|
| 2025 | 3.8% | +1.8 pts | 2.0% |
| 2024 | 20.1% | −3.1 pts | 23.1% |
| 2023 | 23.0% | −7.6 pts | 30.7% |
| 2022 | -2.3% | −10.6 pts | 8.3% |
| 2021 | 26.4% | −3.0 pts | 29.4% |
| 2020 | 15.2% | −2.0 pts | 17.2% |
Returns over one year are annualised. Shorter periods are absolute.
Costs & terms
Costs and terms
What the fund charges each year, and the rules around putting money in and taking it out.
Costs
2.42%
Expense ratio as on 23 Sep 2026
Charged yearly and already deducted from the NAV.
- Base expense
- 2.04%
- Brokerage
- 0.02%
- Transaction charges
- 0.00%
- Statutory levies
- 0.36%
- Exit load
- Exit load of 1% if redeemed within 30 days.
- Lock-in
- None
Terms
- Min SIP
- ₹3,000
- Min lumpsum
- ₹5,000
- Plan
- GROWTH
- Fund type
- OPEN-ENDED
- Benchmark
- NIFTY India Consumption TRI
- Short-term capital gains
- Returns taxed at 20% if you redeem before 1 year
- Long-term capital gains
- After 1 year, returns above ₹1.25 lakh in a financial year are taxed at 12.5%
Risk
Risk
What the riskometer means for this fund, and how its ratios sit against the category.
Very High
Your principal is treated as being at very high risk — typically small cap, sectoral and thematic equity schemes.
| Ratio | Fund | Category avg | Read as |
|---|---|---|---|
| Alpha | -0.36 | 0.37 | Return earned above what the benchmark alone would have given. Higher is better. |
| Beta | 1.00 | 1.00 | How hard the fund moves when the market moves. Under 1 is steadier than the market. |
| Sharpe | 0.39 | 0.43 | Return earned for each unit of total risk taken. Higher is better. |
| Sortino | 0.48 | 0.57 | Return earned for each unit of downside risk. Higher is better. |
| Std. deviation | 16.62 | 16.67 | How widely monthly returns have varied around their own average. Lower is steadier. |
| Average of 4 category peers | |||
Portfolio
UTI India Consumer Fund portfolio
Portfolio as of 31 Aug 2026
Asset allocation
- Equity98.3%
- Debt0.0%
- Other1.7%
Market cap split
- Large71.5%
- Mid17.8%
- Small10.7%
- P/E
- 43.19
- P/B
- 7.01
Top holdings
| Holding | Sector | Weight | Value | 3M chg | 6M chg | 1Y chg |
|---|---|---|---|---|---|---|
| Eternal Ltd. | Services | 9.26% | ₹67.92 Cr | +8.66% | +5.84% | +3.57% |
| Mahindra & Mahindra Ltd. | Automobile | 9.18% | ₹67.36 Cr | +9.11% | +8.06% | +5.26% |
| Titan Company Ltd. | Consumer Discretionary | 7.64% | ₹56.04 Cr | +6.77% | +5.75% | +4.55% |
| Maruti Suzuki India Ltd. | Automobile | 5.47% | ₹40.11 Cr | +6.07% | +7.06% | +6.70% |
| Bharti Airtel Ltd. | Communication | 5.34% | ₹39.18 Cr | +6.51% | +7.03% | +7.70% |
| Eicher Motors Ltd. | Automobile | 4.64% | ₹34.03 Cr | +4.50% | +4.83% | +3.15% |
| Trent Ltd. | Services | 4.09% | ₹30.01 Cr | +4.33% | +2.65% | +2.97% |
| TVS Motor Company Ltd. | Automobile | 3.58% | ₹26.26 Cr | +2.90% | +2.24% | +1.83% |
| Tata Consumer Products Ltd. | Consumer Staples | 2.67% | ₹19.56 Cr | +2.75% | +2.56% | +2.38% |
| ITC Ltd. | Consumer Staples | 2.55% | ₹18.74 Cr | +3.17% | +3.33% | +4.57% |
| Nestle India Ltd. | Consumer Staples | 2.38% | ₹17.44 Cr | +2.29% | +2.00% | +2.51% |
| Avenue Supermarts Ltd. | Services | 2.29% | ₹16.77 Cr | +2.75% | +2.51% | +4.64% |
| Hero Motocorp Ltd. | Automobile | 2.26% | ₹16.55 Cr | +2.24% | +3.15% | +3.12% |
| Polycab India Ltd. | Capital Goods | 2.18% | ₹15.97 Cr | +2.76% | +2.43% | +1.58% |
| Hindustan Unilever Ltd. | Consumer Staples | 2.07% | ₹15.15 Cr | +2.50% | +2.61% | +2.85% |
| The Phoenix Mills Ltd. | Construction | 1.96% | ₹14.35 Cr | +2.02% | +2.26% | +1.97% |
| Global Health Ltd. | Healthcare | 1.82% | ₹13.32 Cr | +1.61% | +1.49% | +1.31% |
| Info Edge (India) Ltd. | Services | 1.81% | ₹13.29 Cr | +1.52% | +1.42% | +1.65% |
| Dixon Technologies (India) Ltd. | Capital Goods | 1.75% | ₹12.86 Cr | +1.50% | +1.32% | — |
| Jubilant FoodWorks Ltd. | Services | 1.72% | ₹12.65 Cr | +1.64% | +2.15% | +2.19% |
| Others | Others | 1.70% | ₹12.44 Cr | +3.19% | +3.35% | +2.64% |
| Bajaj Finance Ltd. | Financial | 1.66% | ₹12.16 Cr | +1.39% | +1.01% | +0.92% |
| PB Fintech Ltd. | Services | 1.52% | ₹11.11 Cr | +1.39% | +1.01% | +0.68% |
| Brigade Enterprises Ltd. | Construction | 1.50% | ₹11.02 Cr | +1.24% | — | — |
| Pidilite Industries Ltd. | Chemicals | 1.50% | ₹10.98 Cr | +1.11% | — | — |
| Varun Beverages Ltd. | Consumer Staples | 1.45% | ₹10.65 Cr | +1.71% | +1.90% | +1.83% |
| V-Mart Retail Ltd. | Services | 1.38% | ₹10.10 Cr | +1.20% | +0.68% | +0.88% |
| United Spirits Ltd. | Consumer Staples | 1.25% | ₹9.19 Cr | +1.18% | +1.23% | +1.19% |
| HDFC Bank Ltd. | Financial | 1.25% | ₹9.18 Cr | +1.62% | +1.54% | +1.59% |
| Tips Industries Ltd. | Services | 1.19% | ₹8.70 Cr | +1.35% | +1.06% | +1.10% |
| Metro Brands Ltd. | Consumer Discretionary | 1.14% | ₹8.38 Cr | +1.41% | +1.30% | +1.35% |
| Vishal Mega Mart Ltd. | Services | 1.12% | ₹8.23 Cr | +1.33% | +0.39% | — |
| Havells India Ltd. | Capital Goods | 1.11% | ₹8.11 Cr | +1.40% | +1.60% | +2.13% |
| Berger Paints India Ltd. | Materials | 1.10% | ₹8.06 Cr | +1.22% | +1.20% | +1.25% |
| Bikaji Foods International Ltd. | Consumer Staples | 0.92% | ₹6.78 Cr | +1.06% | +0.95% | — |
| Blue Star Ltd. | Consumer Discretionary | 0.91% | ₹6.70 Cr | +1.10% | +1.10% | — |
| United Foodbrands Ltd. | Services | 0.83% | ₹6.09 Cr | +0.62% | +0.29% | +0.31% |
| Astral Ltd. | Materials | 0.83% | ₹6.09 Cr | +0.95% | +1.52% | +1.61% |
| Aster DM Quality Care Ltd. | Healthcare | 0.73% | ₹5.39 Cr | +0.78% | +1.71% | +1.93% |
| SBI Funds Management Ltd. | Financial | 0.61% | ₹4.47 Cr | — | — | — |
| HDFC Asset Management Company Ltd. | Financial | 0.51% | ₹3.75 Cr | — | — | — |
| LG Electronics India Ltd. | Consumer Discretionary | 0.50% | ₹3.66 Cr | +0.71% | +1.49% | — |
| Meesho Ltd. | Services | 0.32% | ₹2.36 Cr | — | +0.15% | — |
| company:6880 | Consumer Staples | 0.29% | ₹2.11 Cr | — | — | — |
| TVS Motor Company Ltd - Pref. Shares | Automobile | 0.02% | ₹0.17 Cr | +0.02% | +0.02% | +0.02% |
Sectors
Instruments
Recent changes
| Holding | From | To | Weight |
|---|---|---|---|
| Mahindra & Mahindra Ltd. | 9.49% | 9.18% | -0.30% |
| company:6880 | 0.00% | 0.29% | +0.29% |
| HDFC Asset Management Company Ltd. | 0.23% | 0.51% | +0.28% |
| Maruti Suzuki India Ltd. | 5.73% | 5.47% | -0.26% |
| Tata Consumer Products Ltd. | 2.41% | 2.67% | +0.26% |
| ITC Ltd. | 2.80% | 2.55% | -0.25% |
| Others | 1.93% | 1.69% | -0.24% |
| PB Fintech Ltd. | 1.29% | 1.52% | +0.22% |
| Jubilant FoodWorks Ltd. | 1.52% | 1.72% | +0.20% |
| Nestle India Ltd. | 2.20% | 2.38% | +0.18% |
| Bharti Airtel Ltd. | 5.52% | 5.34% | -0.18% |
| Brigade Enterprises Ltd. | 1.33% | 1.50% | +0.18% |
| Trent Ltd. | 4.26% | 4.09% | -0.17% |
| Varun Beverages Ltd. | 1.60% | 1.45% | -0.15% |
| Metro Brands Ltd. | 1.29% | 1.14% | -0.14% |
| Hindustan Unilever Ltd. | 2.20% | 2.07% | -0.14% |
| Blue Star Ltd. | 1.05% | 0.91% | -0.13% |
| Bajaj Finance Ltd. | 1.79% | 1.66% | -0.13% |
| Info Edge (India) Ltd. | 1.69% | 1.81% | +0.12% |
| V-Mart Retail Ltd. | 1.26% | 1.38% | +0.11% |
| Avenue Supermarts Ltd. | 2.40% | 2.29% | -0.11% |
| Dixon Technologies (India) Ltd. | 1.65% | 1.75% | +0.10% |
| Global Health Ltd. | 1.72% | 1.82% | +0.09% |
| Eicher Motors Ltd. | 4.56% | 4.64% | +0.08% |
| Polycab India Ltd. | 2.11% | 2.18% | +0.07% |
| Pidilite Industries Ltd. | 1.43% | 1.50% | +0.07% |
| HDFC Bank Ltd. | 1.32% | 1.25% | -0.07% |
| Aster DM Quality Care Ltd. | 0.80% | 0.73% | -0.06% |
| LG Electronics India Ltd. | 0.44% | 0.50% | +0.06% |
| Titan Company Ltd. | 7.69% | 7.64% | -0.05% |
| Berger Paints India Ltd. | 1.15% | 1.10% | -0.05% |
| Astral Ltd. | 0.79% | 0.83% | +0.04% |
| Tips Industries Ltd. | 1.23% | 1.19% | -0.04% |
| Vishal Mega Mart Ltd. | 1.08% | 1.12% | +0.04% |
| Meesho Ltd. | 0.28% | 0.32% | +0.04% |
| Hero Motocorp Ltd. | 2.22% | 2.26% | +0.03% |
| TVS Motor Company Ltd. | 3.55% | 3.58% | +0.03% |
| United Foodbrands Ltd. | 0.80% | 0.83% | +0.03% |
| Bikaji Foods International Ltd. | 0.95% | 0.92% | -0.02% |
| United Spirits Ltd. | 1.27% | 1.25% | -0.02% |
| Eternal Ltd. | 9.27% | 9.26% | -0.01% |
| Havells India Ltd. | 1.12% | 1.11% | -0.01% |
| The Phoenix Mills Ltd. | 1.95% | 1.96% | +0.01% |
| SBI Funds Management Ltd. | 0.62% | 0.61% | -0.01% |
| TVS Motor Company Ltd - Pref. Shares | 0.02% | 0.02% | 0.00% |
Compare
Similar funds
The rest of the category, so this fund’s numbers have something to sit against.
| Fund | AUM | Expense | 1Y | 3Y | 5Y |
|---|---|---|---|---|---|
| Category average | ₹2,862 Cr | 2.13% | 4.9% | 5.6% | 10.2% |
 Mirae Asset Great Consumer Fund | ₹4,742 Cr | 2.05% | -0.2% | 3.0% | 9.4% |
 Tata India Consumer Fund | ₹2,901 Cr | 2.11% | 10.9% | 8.4% | 13.0% |
 Canara Robeco Consumption Fund | ₹1,987 Cr | 2.17% | -2.8% | 2.1% | 8.3% |
 HSBC Consumption Fund | ₹1,817 Cr | 2.19% | 11.4% | 8.8% | — |
About
About this fund
The scheme’s own words, its benchmark and the people running it.
Investment objective
The scheme seeks to generate long term capital appreciation by investing predominantly in companies that are expected to benefit from the growth of consumption, changing demographics, consumer aspirations and lifestyle.
Fund managers
- Vicky PunjabiChartered AccountantPrior to joining UTI AMC, he was associated with Morgan Stanley Advantage Services, JM Financial.
Tools
Return calculator
What ₹10,000 a month in this fund would have grown to over each period, based on its past returns.
₹
| Over the past | Total investment | Would’ve become | Growth | Returns |
|---|---|---|---|---|
| 6 months10.48% absolute | ₹60,000 | ₹66,288 | 10.48% | |
| 1 year−4.18% annualised | ₹1,20,000 | ₹1,17,317 | −2.24% | |
| 3 years8.90% annualised | ₹3,60,000 | ₹4,13,952 | 14.99% | |
| 5 years7.26% annualised | ₹6,00,000 | ₹7,25,128 | 20.85% |
Returns for 1 year and longer are annualised (CAGR); 6-month figures are absolute. Past returns are not a forecast.
How this is calculated
Each monthly instalment grows at the fund’s annualised return ÷ 12 per month until the end of the period, the same formula as our SIP calculator.
The amount compounds once a year at the fund’s CAGR for that period, the same formula as our lumpsum calculator.
Questions
Frequently asked questions
The things people ask about this scheme.
What is the NAV of UTI India Consumer Fund?
The NAV of UTI India Consumer Fund is ₹56.17 as on 25 Sep 2026.
What is the expense ratio of UTI India Consumer Fund?
The expense ratio of UTI India Consumer Fund is 2.41% per year.
What is the minimum SIP amount for UTI India Consumer Fund?
You can start a SIP in UTI India Consumer Fund with ₹3,000 a month.
What returns has UTI India Consumer Fund given?
UTI India Consumer Fund has returned -2.4% over 1 year, 2.4% over 3 years and 7.4% over 5 years (annualised).
Is there a lock-in or exit load on UTI India Consumer Fund?
Lock-in: None. Exit load: Exit load of 1% if redeemed within 30 days..
How risky is UTI India Consumer Fund?
UTI India Consumer Fund is rated Very High on the SEBI riskometer and belongs to the Thematic-Consumption category.
Which fund house manages UTI India Consumer Fund?
UTI India Consumer Fund is managed by UTI Mutual Fund, which runs 66 schemes with ₹3,94,848 Cr under management.