ITI Flexi Cap Fund vs Unifi Flexi Cap Fund
Direct Plan, Growth option · Data as on 30-10-2026
ITI Flexi Cap Fund and Unifi Flexi Cap Fund are both Flexi Cap funds. In the year to 30-10-2026, ITI Flexi Cap Fund (Direct) returned 6.4% and Unifi Flexi Cap Fund (Direct) returned 1.8%. ITI Flexi Cap Fund charges 0.88% a year and Unifi Flexi Cap Fund 1.42% (Direct plans). Their portfolios overlap 23.3%: they hold 13 of the same securities.
Which is better, ITI Flexi Cap or Unifi Flexi Cap? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- ITI Flexi Cap returned more over 1 year: 6.4% against 1.8%.
- ITI Flexi Cap costs less: 0.88% a year against 1.42% (Direct plans).
- ITI Flexi Cap fell less in its worst fall since 09-06-2025: −13.0% against −13.2%.
- ITI Flexi Cap is the larger fund: ₹1,588 Cr against ₹239 Cr.
- Their portfolios overlap 23.3%: 13 of the same holdings.
Past returns do not promise future returns. This page is information, not investment advice.
Key facts
From each fund's scheme summary document and AMFI
| Fact | ITI Flexi Cap Fund | Unifi Flexi Cap Fund |
|---|---|---|
| Fund house | ITI Mutual Fund | Unifi Mutual Fund |
| Category | Flexi Cap | Flexi Cap |
| AUM | ₹1,588 Cr (30-09-2026) | ₹239 Cr (30-09-2026) |
| NAV | ₹20.35 (Direct) | ₹10.56 (Direct) |
| Expense ratio (Direct) | 0.88% | 1.42% |
| Expense ratio (Regular) | 2.32% | 2.70% |
| Riskometer | Very High | Not available |
| Benchmark | Nifty 500 TRI | Not available |
| Launch date | 17-02-2023 | Not available |
| Minimum investment | ₹5,000 | Not available |
| Lock in | None | Not available |
| Fund managers | Dhimant Shah, Nilay Dalal | Not available |
| Exit load | Exit load of 0.50%, if redeemed within 3 months. | Not available |
ITI Flexi Cap vs Unifi Flexi Cap: Returns Comparison
Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.
| Fund | 1M | 3M | 6M | 1Y | 3Y | 5Y | 10Y |
|---|---|---|---|---|---|---|---|
| ITI Flexi Cap Fund (Direct) | −1.70% | −0.27% | +7.12% | +6.40% | +18.32% | -- | -- |
| Unifi Flexi Cap Fund (Direct) | −0.48% | −0.17% | +4.66% | +1.80% | -- | -- | -- |
| Flexi Cap average | −1.62% | −4.17% | +1.00% | −3.58% | -- | -- | -- |
Category average: the average of the 46 Flexi Cap funds, same plan type.
ITI Flexi Cap vs Unifi Flexi Cap: Year-wise Returns
| Year | ITIITI Flexi Cap | UnifiUnifi Flexi Cap | Nifty 500 TRI |
|---|---|---|---|
| 2026to date | +5.44% | +1.43% | −7.51% |
| 2025 | +4.71% | -- | +7.76% |
| 2024 | +28.10% | -- | +16.24% |
ITI Flexi Cap vs Unifi Flexi Cap: Rolling Returns
Every holding period of both funds, against Nifty 500 TRI, the benchmark of both
Rolling returns
Every 1-year holding period, 98 of them, one for each trading day from 09-06-2026 to 30-10-2026: the yearly return (CAGR) of each, plotted on the day it ended. One lucky or unlucky start day cannot flatter or hide a fund.
ITI Flexi Cap Fund (Direct)
Unifi Flexi Cap Fund (Direct)
Nifty 500 TRI
to
Jun 2026Jul 2025
to
Jul 2026Aug 2025
to
Aug 2026Sept 2025
to
Sept 2026Sept 2025
to
Sept 2026Oct 2025
to
Oct 2026
How the periods spread
| Fund | Below 0% | 0-5% | 5-10% | 10-15% | 15-20% | 20-25% | Above 25% | Mean | Median | Lowest | Highest | Beat benchmark |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ITI Flexi Cap | 0.0 | 5.1 | 39.8 | 36.7 | 18.4 | 0.0 | 0.0 | 11.2% | 10.6% | 2.3% | 17.9% | 100% |
| Unifi Flexi Cap | 3.0 | 54.5 | 42.4 | 0.0 | 0.0 | 0.0 | 0.0 | 4.8% | 4.4% | −0.7% | 9.8% | 100% |
| Nifty 500 TRI | 44.9 | 44.9 | 10.2 | 0.0 | 0.0 | 0.0 | 0.0 | −0.0% | 0.3% | −9.0% | 6.8% | -- |
The table shows the % of periods in each return band; a darker cell holds more of them. Lumpsum: the yearly rate (CAGR) from a period's first NAV to its last. SIP: the XIRR of the monthly instalments. The benchmark is Nifty 500 TRI, over the same periods. "Beat benchmark" counts the periods in which the fund did better. Every fund is measured over the days all of them have, from 09-06-2025. Past returns do not promise future returns.
ITI Flexi Cap vs Unifi Flexi Cap: SIP and Lumpsum Returns
What the same monthly or one-time investment would be worth in each fund today, from their own NAV history
Growth of an investment
₹10,000 on the first trading day of every month, from 02-06-2025 to 30-10-2026: 17 instalments, ₹1,70,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| ITI Flexi CapITI Flexi Cap Fund (Direct) | ₹1,70,000 | ₹1,80,993 | ₹10,993 | 8.7% |
| Unifi Flexi CapUnifi Flexi Cap Fund (Direct) | ₹1,70,000 | ₹1,75,567 | ₹5,567 | 4.4% |
ITI Flexi CapITI Flexi Cap Fund (Direct)
Unifi Flexi CapUnifi Flexi Cap Fund (Direct)
Amount invested
From each plan's published NAV (Growth option), over the same days. Return a year: XIRR for a SIP, CAGR for a lumpsum, shown for a year or more. It does not include exit load, stamp duty or tax. Past returns do not promise future returns.
ITI Flexi Cap vs Unifi Flexi Cap: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | ITI Flexi Cap Fund (Direct) | Unifi Flexi Cap Fund (Direct) |
|---|---|---|
| Return (CAGR) | +6.40% | +1.80% |
| Standard deviation | 15.44% | 14.29% |
| Sharpe ratio | 0.07 | -0.24 |
| Sortino ratio | 0.10 | -0.33 |
| Maximum drawdown | −13.0% (31-03-2026) | −13.2% (31-03-2026) |
| Beta | 1.03 | 0.95 |
| Alpha | +14.15% | +8.53% |
From daily NAVs, 30-10-2025 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
| Measure | ITI Flexi Cap Fund (Direct) | Unifi Flexi Cap Fund (Direct) |
|---|---|---|
| Return (CAGR) | +21.51% | +3.17% |
| Standard deviation | 15.22% | 12.78% |
| Sharpe ratio | 1.01 | -0.17 |
| Sortino ratio | 1.36 | -0.23 |
| Maximum drawdown | −21.4% (28-02-2025) | −13.2% (31-03-2026) |
| Beta | 1.07 | 0.93 |
| Alpha | +8.54% | +6.01% |
From daily NAVs, 22-02-2023 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
Drawdowns
How far below its previous high each one was on every day: the falls an investor had to sit through. 0% means it was at a new high.
ITI Flexi Cap Fund (Direct)
Unifi Flexi Cap Fund (Direct)
Nifty 500 TRI
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| ITI Flexi Cap Fund (Direct) | −13.0% | 02-01-2026 | 31-03-2026 | 07-05-2026 | 37 days | −5.0% |
| Unifi Flexi Cap Fund (Direct) | −13.2% | 02-01-2026 | 31-03-2026 | 18-06-2026 | 3 months | −3.4% |
| Nifty 500 TRI | −14.7% | 02-01-2026 | 30-03-2026 | Not yet | -- | −8.4% |
From daily values since 09-06-2025, the first day every fund has.
Rolling standard deviation
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 1-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
ITI Flexi Cap Fund (Direct)
Unifi Flexi Cap Fund (Direct)
Nifty 500 TRI
Against Nifty 500 TRI
| Fund | Up capture | Down capture | Tracking error |
|---|---|---|---|
| ITI Flexi Cap Fund (Direct) | 144% | 83% | 5.65% |
| Unifi Flexi Cap Fund (Direct) | 107% | 74% | 4.17% |
From month-end values since 09-06-2025. Up capture: a fund's average month when the benchmark rose, as % of the benchmark's; above 100% it gained more. Down capture: the same for months the benchmark fell; below 100% it fell less. Tracking error: how far the monthly returns strayed from the benchmark's, a year; an index fund aims near 0.
ITI Flexi Cap vs Unifi Flexi Cap: Portfolio Overlap
From each fund's latest monthly portfolio: ITI Flexi Cap Fund, September 2026; Unifi Flexi Cap Fund, September 2026
Holdings in common
- Overlap
- 23.3%
- Held by both
- 13
- Only in ITI Flexi Cap
- 69
- Only in Unifi Flexi Cap
- 42
| Security | % of ITI Flexi Cap | % of Unifi Flexi Cap |
|---|---|---|
| ICICI Bank Limited | 4.61% | 3.40% |
| Reliance Industries Limited | 3.48% | 3.08% |
| Bharti Airtel Limited | 2.27% | 3.76% |
| HDFC Bank Limited | 3.56% | 2.08% |
| Larsen & Toubro Limited | 2.07% | 2.68% |
| State Bank of India | 2.06% | 1.93% |
| Axis Bank Limited | 1.73% | 2.19% |
| Kotak Mahindra Bank Limited | 1.57% | 2.79% |
| Vedanta Aluminium Metal Limited | 1.21% | 1.56% |
| NTPC Limited | 1.19% | 1.42% |
| TVS Motor Company Limited | 1.11% | 1.20% |
| Dixon Technologies (India) Limited | 0.97% | 1.10% |
| Mahindra & Mahindra Limited | 0.67% | 0.99% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 23.3% means 23.3% of each fund's money sits in positions the other also holds. Matched by ISIN. Cash and hedged positions are left out.
Largest holdings only in ITI Flexi Cap Fund
| Security | % of fund |
|---|---|
| Aditya Infotech Limited | 2.62% |
| Ather Energy Limited | 1.82% |
| Apar Industries Limited | 1.74% |
| VA Tech Wabag Limited | 1.72% |
| Divi's Laboratories Limited | 1.68% |
Largest holdings only in Unifi Flexi Cap Fund
| Security | % of fund |
|---|---|
| The South Indian Bank Limited | 4.65% |
| Deepa Jewellers Limited | 4.63% |
| Adani Port & Special Economic Zone Limited | 3.69% |
| Fedbank Financial Ser Limited | 3.48% |
| CARE Ratings Limited | 3.25% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | ITI Flexi Cap | Unifi Flexi Cap |
|---|---|---|
| Equity | 94.0% | 98.2% |
| Debt | 0.0% | 0.0% |
| Cash and others | 6.0% | 1.8% |
Market cap of stocks
| Market cap | ITI Flexi Cap | Unifi Flexi Cap |
|---|---|---|
| Large Cap | 44.7% | 42.3% |
| Mid Cap | 15.5% | 9.1% |
| Small Cap | 29.2% | 41.5% |
| Not on AMFI's list | 4.7% | 5.3% |
Share of the whole fund. Groups follow AMFI's latest list: Large Cap is the 100 largest companies, Mid Cap the next 150, Small Cap the rest.
Largest sectors
| Sector | ITI Flexi Cap | Unifi Flexi Cap |
|---|---|---|
| Banks | 15.9% | 17.0% |
| Pharmaceuticals & Biotechnology | 7.5% | 8.4% |
| Finance | 3.4% | 7.0% |
| Consumer Durables | 3.0% | 6.7% |
| Industrial Products | 5.8% | 3.1% |
| Capital Markets | 2.1% | 5.8% |
| Auto Components | 5.6% | 2.6% |
| Healthcare Services | 0.0% | 5.2% |
| Automobiles | 4.4% | 3.6% |
| Chemicals & Petrochemicals | 4.3% | 1.6% |
The six largest sectors of each fund's stocks, % of the fund.
ITI Flexi Cap vs Unifi Flexi Cap: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | ITI Flexi Cap Fund | Unifi Flexi Cap Fund |
|---|---|---|
| Total expense ratio (Direct) | 0.88% | 1.42% |
| Base expense ratio (Direct) | 0.53% | 1.00% |
| Total expense ratio (Regular) | 2.32% | 2.70% |
| Base expense ratio (Regular) | 1.81% | 2.10% |
The expense ratio comes out of the fund's assets every day, so every return on this page is already after it. Base expense ratio: the fund house's own fee. The total adds brokerage, transaction costs, and levies with GST.
More comparisons
Each fund against the others of its category
Compare ITI Flexi Cap with
ITI Flexi Cap Fund vs Unifi Flexi Cap Fund: Frequently Asked Questions
What is the difference between ITI Flexi Cap Fund and Unifi Flexi Cap Fund?
Both are Flexi Cap funds, run by ITI Mutual Fund and Unifi Mutual Fund. Their portfolios overlap 23.3%. ITI Flexi Cap Fund charges 0.88% a year and Unifi Flexi Cap Fund 1.42%.
Which has given higher returns, ITI Flexi Cap Fund or Unifi Flexi Cap Fund?
Over 1 year: ITI Flexi Cap Fund +6.40%, Unifi Flexi Cap Fund +1.80%. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, ITI Flexi Cap Fund or Unifi Flexi Cap Fund?
ITI Flexi Cap Fund charges less: 0.88% a year against 1.42%. These are the Direct plans' total expense ratios reported to AMFI.
How much do ITI Flexi Cap Fund and Unifi Flexi Cap Fund overlap?
23.3%. They hold 13 of the same securities, the largest shared ones being ICICIBANK, RELIANCE, BHARTIARTL. From each fund's latest monthly portfolio.
Can I invest in both ITI Flexi Cap Fund and Unifi Flexi Cap Fund?
Yes. 23.3% of each fund's money sits in the same holdings, so some of the two investments would move together.
Sources: NAV and expense ratio from AMFI. Holdings from each fund house's monthly portfolio statement. Fund facts from each scheme summary document.
This page is information, not investment advice. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Past returns do not promise future returns. Figures come from AMFI, NSE, BSE and each fund house's own documents.