UTI India Consumer Fund
Thematic-ConsumptionVery HighOPEN-ENDED
- NAV as on 9 Nov 2026
- ₹57.98-0.04%1 day
- Return since launch
- 9.6%
- 52-week range
- ₹49.72 — ₹60.16
- AUM
- ₹678 Cr
UTI India Consumer Fund is a Thematic-Consumption equity fund from UTI Mutual Fund with ₹678 Cr under management, launched in 2007. Over three years it has returned 3.6% a year, against 9.9% for its category. The expense ratio is 2.42% 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 -2.1% against -2.9% for its category.
Performance
Returns
How the fund has done against its category and its benchmark.
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1Y | 4.9% | +5.2 pts | -0.2% | 4.8% |
| 2Y | 2.7% | +0.5 pts | 2.3% | 2.0% |
| 3Y | 3.6% | −6.3 pts | 9.9% | 2.9% |
| 5Y | 8.0% | −1.5 pts | 9.5% | 8.3% |
| 7Y | 10.4% | −1.7 pts | 12.0% | 11.1% |
| 10Y | 10.6% | −2.5 pts | 13.1% | 11.4% |
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1M | 7.9% | +1.0 pts | 7.0% | 7.1% |
| 3M | -3.6% | −2.1 pts | -1.5% | -2.6% |
| 6M | 5.2% | −1.5 pts | 6.7% | 4.7% |
| 1Y | -1.6% | −1.4 pts | -0.2% | -2.6% |
| 2Y | 0.6% | +0.7 pts | -0.1% | -0.4% |
| 3Y | 9.8% | −0.1 pts | 9.9% | 8.6% |
| 5Y | 7.2% | −2.4 pts | 9.5% | 8.7% |
| 7Y | 11.6% | −1.9 pts | 13.5% | 12.3% |
| 10Y | 10.9% | −2.2 pts | 13.1% | 11.8% |
Since launch (2 Jul 2007): 9.6%
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
2.43%
Expense ratio as on 6 Nov 2026
Charged yearly and already deducted from the NAV.
- Base expense
- 2.03%
- Brokerage
- 0.03%
- Transaction charges
- 0.00%
- Statutory levies
- 0.37%
- 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 | -1.49 | 0.48 | Return earned above what the benchmark alone would have given. Higher is better. |
| Beta | 1.02 | 1.01 | How hard the fund moves when the market moves. Under 1 is steadier than the market. |
| Sharpe | 0.22 | 0.33 | Return earned for each unit of total risk taken. Higher is better. |
| Sortino | 0.27 | 0.45 | Return earned for each unit of downside risk. Higher is better. |
| Std. deviation | 17.34 | 17.31 | 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 30 Sep 2026
Asset allocation
- Equity98.0%
- Debt0.0%
- Other1.9%
Market cap split
- Large71.8%
- Mid17.9%
- Small10.2%
- P/E
- 38.97
- P/B
- 6.39
Top holdings
| Holding | Sector | Weight | Value | 3M chg | 6M chg | 1Y chg |
|---|---|---|---|---|---|---|
| Eternal Ltd. | Services | 9.40% | ₹63.76 Cr | +8.81% | +8.35% | +3.69% |
| Mahindra & Mahindra Ltd. | Automobile | 9.22% | ₹62.52 Cr | +9.15% | +9.02% | +5.43% |
| Titan Company Ltd. | Consumer Discretionary | 7.43% | ₹50.38 Cr | +7.42% | +6.88% | +4.21% |
| Bharti Airtel Ltd. | Communication | 5.60% | ₹38.00 Cr | +5.75% | +7.55% | +7.64% |
| Maruti Suzuki India Ltd. | Automobile | 5.23% | ₹35.43 Cr | +6.12% | +6.99% | +7.13% |
| Eicher Motors Ltd. | Automobile | 4.66% | ₹31.57 Cr | +4.39% | +4.50% | +3.60% |
| Trent Ltd. | Services | 4.03% | ₹27.32 Cr | +4.87% | +3.46% | +2.62% |
| TVS Motor Company Ltd. | Automobile | 3.66% | ₹24.83 Cr | +3.04% | +3.16% | +1.91% |
| Nestle India Ltd. | Consumer Staples | 3.10% | ₹21.00 Cr | +2.18% | +2.06% | +2.50% |
| Tata Consumer Products Ltd. | Consumer Staples | 2.86% | ₹19.42 Cr | +2.42% | +2.58% | +2.51% |
| ITC Ltd. | Consumer Staples | 2.84% | ₹19.27 Cr | +3.06% | +3.46% | +4.47% |
| Hero Motocorp Ltd. | Automobile | 2.35% | ₹15.92 Cr | +2.11% | +2.52% | +3.12% |
| The Phoenix Mills Ltd. | Construction | 2.16% | ₹14.62 Cr | +2.14% | +2.03% | +2.03% |
| Hindustan Unilever Ltd. | Consumer Staples | 2.13% | ₹14.47 Cr | +2.37% | +2.60% | +2.69% |
| Polycab India Ltd. | Capital Goods | 2.00% | ₹13.57 Cr | +2.46% | +2.47% | +1.62% |
| Others | Others | 1.96% | ₹13.30 Cr | +4.25% | +3.81% | +6.12% |
| Bajaj Finance Ltd. | Financial | 1.87% | ₹12.66 Cr | +1.49% | +1.34% | +1.04% |
| Info Edge (India) Ltd. | Services | 1.82% | ₹12.34 Cr | +1.44% | +1.51% | +1.59% |
| Global Health Ltd. | Healthcare | 1.81% | ₹12.29 Cr | +1.72% | +1.42% | +1.25% |
| Jubilant FoodWorks Ltd. | Services | 1.72% | ₹11.65 Cr | +1.55% | +1.66% | +2.15% |
| Varun Beverages Ltd. | Consumer Staples | 1.69% | ₹11.49 Cr | +1.58% | +1.36% | +1.79% |
| Dixon Technologies (India) Ltd. | Capital Goods | 1.67% | ₹11.34 Cr | +1.50% | +1.38% | — |
| Pidilite Industries Ltd. | Chemicals | 1.41% | ₹9.53 Cr | +1.40% | — | — |
| HDFC Bank Ltd. | Financial | 1.35% | ₹9.18 Cr | +1.67% | +1.74% | +1.59% |
| V-Mart Retail Ltd. | Services | 1.32% | ₹8.98 Cr | +1.35% | +0.48% | +0.84% |
| Metro Brands Ltd. | Consumer Discretionary | 1.31% | ₹8.90 Cr | +1.33% | +1.25% | +1.53% |
| Brigade Enterprises Ltd. | Construction | 1.24% | ₹8.42 Cr | +1.22% | — | — |
| Avenue Supermarts Ltd. | Services | 1.23% | ₹8.31 Cr | +2.86% | +2.92% | +4.36% |
| Vishal Mega Mart Ltd. | Services | 1.19% | ₹8.06 Cr | +1.15% | +1.25% | — |
| United Spirits Ltd. | Consumer Staples | 1.14% | ₹7.70 Cr | +1.21% | +1.23% | +1.20% |
| Berger Paints India Ltd. | Materials | 1.09% | ₹7.38 Cr | +1.20% | +1.09% | +1.23% |
| PB Fintech Ltd. | Services | 1.08% | ₹7.33 Cr | +1.28% | +1.10% | +0.65% |
| Blue Star Ltd. | Consumer Discretionary | 1.03% | ₹6.95 Cr | +1.08% | +1.03% | — |
| Tips Industries Ltd. | Services | 0.94% | ₹6.36 Cr | +1.23% | +1.09% | +1.10% |
| United Foodbrands Ltd. | Services | 0.84% | ₹5.68 Cr | +0.77% | +0.27% | +0.27% |
| Bikaji Foods International Ltd. | Consumer Staples | 0.83% | ₹5.66 Cr | +1.02% | +1.11% | — |
| Astral Ltd. | Materials | 0.81% | ₹5.48 Cr | +0.78% | +1.05% | +1.62% |
| Aster DM Quality Care Ltd. | Healthcare | 0.73% | ₹4.97 Cr | +0.81% | +1.41% | +2.01% |
| HDFC Asset Management Company Ltd. | Financial | 0.71% | ₹4.84 Cr | — | — | — |
| SBI Funds Management Ltd. | Financial | 0.59% | ₹4.00 Cr | — | — | — |
| Havells India Ltd. | Capital Goods | 0.56% | ₹3.80 Cr | +1.10% | +1.54% | +2.09% |
| LG Electronics India Ltd. | Consumer Discretionary | 0.55% | ₹3.72 Cr | +0.49% | +1.17% | — |
| Radico Khaitan Ltd. | Consumer Staples | 0.45% | ₹3.02 Cr | — | — | — |
| Meesho Ltd. | Services | 0.39% | ₹2.62 Cr | +0.32% | +0.06% | — |
Sectors
Instruments
Recent changes
| Holding | From | To | Weight |
|---|---|---|---|
| Avenue Supermarts Ltd. | 2.29% | 1.23% | -1.06% |
| Nestle India Ltd. | 2.38% | 3.10% | +0.72% |
| Havells India Ltd. | 1.11% | 0.56% | -0.55% |
| PB Fintech Ltd. | 1.52% | 1.08% | -0.43% |
| ITC Ltd. | 2.55% | 2.84% | +0.29% |
| Others | 1.69% | 1.95% | +0.26% |
| Bharti Airtel Ltd. | 5.34% | 5.60% | +0.26% |
| Brigade Enterprises Ltd. | 1.50% | 1.24% | -0.26% |
| Tips Industries Ltd. | 1.19% | 0.94% | -0.25% |
| Maruti Suzuki India Ltd. | 5.47% | 5.23% | -0.24% |
| Varun Beverages Ltd. | 1.45% | 1.69% | +0.24% |
| Titan Company Ltd. | 7.64% | 7.43% | -0.21% |
| Bajaj Finance Ltd. | 1.66% | 1.87% | +0.21% |
| HDFC Asset Management Company Ltd. | 0.51% | 0.71% | +0.20% |
| The Phoenix Mills Ltd. | 1.96% | 2.16% | +0.20% |
| Tata Consumer Products Ltd. | 2.67% | 2.86% | +0.20% |
| Polycab India Ltd. | 2.18% | 2.00% | -0.18% |
| Metro Brands Ltd. | 1.14% | 1.31% | +0.17% |
| Radico Khaitan Ltd. | 0.29% | 0.45% | +0.16% |
| Eternal Ltd. | 9.26% | 9.40% | +0.14% |
| United Spirits Ltd. | 1.25% | 1.14% | -0.12% |
| Blue Star Ltd. | 0.91% | 1.03% | +0.11% |
| HDFC Bank Ltd. | 1.25% | 1.35% | +0.10% |
| Pidilite Industries Ltd. | 1.50% | 1.41% | -0.09% |
| Hero Motocorp Ltd. | 2.26% | 2.35% | +0.09% |
| Bikaji Foods International Ltd. | 0.92% | 0.83% | -0.09% |
| TVS Motor Company Ltd. | 3.58% | 3.66% | +0.08% |
| Dixon Technologies (India) Ltd. | 1.75% | 1.67% | -0.08% |
| Hindustan Unilever Ltd. | 2.07% | 2.13% | +0.07% |
| Vishal Mega Mart Ltd. | 1.12% | 1.19% | +0.07% |
| Meesho Ltd. | 0.32% | 0.39% | +0.06% |
| Trent Ltd. | 4.09% | 4.03% | -0.06% |
| V-Mart Retail Ltd. | 1.38% | 1.32% | -0.05% |
| LG Electronics India Ltd. | 0.50% | 0.55% | +0.05% |
| Mahindra & Mahindra Ltd. | 9.18% | 9.22% | +0.04% |
| company:20133 | 0.02% | 0.00% | -0.02% |
| Astral Ltd. | 0.83% | 0.81% | -0.02% |
| SBI Funds Management Ltd. | 0.61% | 0.59% | -0.02% |
| Eicher Motors Ltd. | 4.64% | 4.66% | +0.02% |
| Berger Paints India Ltd. | 1.10% | 1.09% | -0.01% |
| Info Edge (India) Ltd. | 1.81% | 1.82% | +0.01% |
| United Foodbrands Ltd. | 0.83% | 0.84% | +0.01% |
| Jubilant FoodWorks Ltd. | 1.72% | 1.72% | -0.01% |
| Global Health Ltd. | 1.82% | 1.81% | 0.00% |
| Aster DM Quality Care Ltd. | 0.73% | 0.73% | 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 | ₹2,687 Cr | 2.13% | 10.7% | 6.3% | 10.9% |
 Mirae Asset Great Consumer Fund | ₹4,455 Cr | 2.06% | 8.3% | 4.5% | 10.0% |
 Tata India Consumer Fund | ₹2,723 Cr | 2.12% | 14.7% | 8.6% | 13.0% |
 Canara Robeco Consumption Fund | ₹1,872 Cr | 2.15% | 7.8% | 4.3% | 9.6% |
 HSBC Consumption Fund | ₹1,698 Cr | 2.19% | 11.9% | 7.8% | — |
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 months5.20% absolute | ₹60,000 | ₹63,120 | 5.20% | |
| 1 year−1.64% annualised | ₹1,20,000 | ₹1,18,939 | −0.88% | |
| 3 years9.75% annualised | ₹3,60,000 | ₹4,19,616 | 16.56% | |
| 5 years7.18% annualised | ₹6,00,000 | ₹7,23,578 | 20.60% |
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 ₹57.98 as on 9 Nov 2026.
What is the expense ratio of UTI India Consumer Fund?
The expense ratio of UTI India Consumer Fund is 2.42% 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 4.9% over 1 year, 3.6% over 3 years and 8.0% 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 67 schemes with ₹4,04,584 Cr under management.