Nippon India ETF Nifty India Consumption vs UTI - India Consumer Fund
Direct Plan, Growth option · Data as on 30-10-2026
Nippon India ETF Nifty India Consumption is a mutual fund and UTI - India Consumer Fund is a Thematic fund. In the 3 years to 30-10-2026, Nippon India ETF Nifty India Consumption (Direct) returned 10.6% a year and UTI - India Consumer Fund (Direct) returned 9.2% a year. Nippon India ETF Nifty India Consumption charges 0.33% a year and UTI - India Consumer Fund 1.72% (Direct plans). Their portfolios overlap 59.6%: they hold 18 of the same securities.
Nippon India ETF Nifty India Consumption
- 3 year return
- 10.6%
- Expense ratio
- 0.33%
- NAV
- ₹123.68
UTI - India Consumer Fund
Thematic
- 3 year return
- 9.2%
- Expense ratio
- 1.72%
- NAV
- ₹59.07
Which is better, Nippon India ETF Nifty India Consumption or UTI - India Consumer? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- Nippon India ETF Nifty India Consumption returned more over 5 years: 10.2% a year against 7.4%.
- Nippon India ETF Nifty India Consumption returned more over 3 years: 10.6% a year against 9.2%.
- Nippon India ETF Nifty India Consumption costs less: 0.33% a year against 1.72% (Direct plans).
- UTI - India Consumer swung less over 3 years: a standard deviation of 13.7% a year against 13.9%.
- UTI - India Consumer fell less in its worst fall since 10-04-2014: −29.7% against −31.3%.
- Nippon India ETF Nifty India Consumption holds more in large companies: 88.0% of the fund in large caps against 70.4%.
- UTI - India Consumer is the larger fund: ₹678 Cr against ₹186 Cr.
- Their portfolios overlap 59.6%: 18 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 | Nippon India ETF Nifty India Consumption | UTI - India Consumer Fund |
|---|---|---|
| Fund house | Nippon India Mutual Fund | UTI Mutual Fund |
| Category | Not available | Thematic |
| AUM | ₹186 Cr (30-09-2026) | ₹678 Cr (30-09-2026) |
| NAV | ₹123.68 (Direct) | ₹59.07 (Direct) |
| Expense ratio (Direct) | 0.33% | 1.72% |
| Expense ratio (Regular) | Not available | 2.43% |
| Riskometer | Not available | Very High |
| Benchmark | Not available | Nifty India Consumption TRI |
| Launch date | Not available | 30-07-2007 |
| Minimum investment | Not available | Regular Plan-Growth- Rs.5000, Regular Plan-Reinvestment of IDCW- Rs.5000, Regular Plan-Payout of IDCW- Rs.5000, Direct Plan-Growth- Rs.5000, Direct Plan-Reinvestment of IDCW- Rs.5000, Direct Plan-Payout of IDCW- Rs.5000, |
| Lock in | Not available | None |
| Fund managers | Not available | Vicky Punjabi |
| Exit load | Not available | 1.00% if redeemed before 30 days from the date of allotment. Nil if redeemed on or after 30 days from the date of allotment |
Nippon India ETF Nifty India Consumption vs UTI - India Consumer: 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 |
|---|---|---|---|---|---|---|---|
| Nippon India ETF Nifty India Consumption (Direct) | +0.14% | −8.17% | −2.41% | −10.87% | +10.62% | +10.19% | +12.04% |
| UTI - India Consumer Fund (Direct) | −0.54% | −7.93% | −1.32% | −9.71% | +9.17% | +7.42% | +10.59% |
| Thematic average | −2.09% | −4.52% | +0.86% | −1.22% | +13.76% | +11.62% | +13.76% |
Category average: the average of the 235 Thematic funds, same plan type.
Nippon India ETF Nifty India Consumption vs UTI - India Consumer: Year-wise Returns
| Year | Nippon India ETF Nifty India ConsumptionNippon India ETF Nifty India Consumption | UTI - India ConsumerUTI - India Consumer |
|---|---|---|
| 2026to date | −9.34% | −8.54% |
| 2025 | +8.86% | +4.78% |
| 2024 | +19.28% | +21.38% |
| 2023 | +27.43% | +24.06% |
| 2022 | +8.16% | −1.67% |
| 2021 | +20.20% | +27.08% |
Nippon India ETF Nifty India Consumption vs UTI - India Consumer: Rolling Returns
Every holding period of both funds, against Nifty India Consumption TRI, the benchmark of UTI - India Consumer Fund
Rolling returns
Every 3-year holding period, 2,359 of them, one for each trading day from 10-04-2017 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.
Nippon India ETF Nifty India Consumption (Direct)
UTI - India Consumer Fund (Direct)
Nifty India Consumption TRI
to
Jan 2018Aug 2016
to
Aug 2019Apr 2018
to
Apr 2021Nov 2019
to
Nov 2022Jul 2021
to
Jul 2024Jan 2023
to
Jan 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Nippon India ETF Nifty India Consumption | 0.1 | 5.9 | 14.1 | 32.5 | 35.7 | 11.7 | 0.1 | 14.2% | 14.6% | −1.8% | 26.1% | 14% |
| UTI - India Consumer | 0.8 | 7.5 | 21.3 | 40.0 | 28.4 | 2.1 | 0.0 | 12.3% | 12.3% | −2.9% | 22.9% | 12% |
| Nifty India Consumption TRI | 0.1 | 5.6 | 14.4 | 31.2 | 34.5 | 14.2 | 0.1 | 14.5% | 14.9% | −1.7% | 26.7% | -- |
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 India Consumption 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 10-04-2014. Past returns do not promise future returns.
Nippon India ETF Nifty India Consumption vs UTI - India Consumer: 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 10-04-2014 to 30-10-2026: 151 instalments, ₹15,10,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| Nippon India ETF Nifty India ConsumptionNippon India ETF Nifty India Consumption (Direct) | ₹15,10,000 | ₹33,02,073 | ₹17,92,073 | 11.7% |
| UTI - India ConsumerUTI - India Consumer Fund (Direct) | ₹15,10,000 | ₹29,73,574 | ₹14,63,574 | 10.2% |
Nippon India ETF Nifty India ConsumptionNippon India ETF Nifty India Consumption (Direct)
UTI - India ConsumerUTI - India Consumer 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.
Nippon India ETF Nifty India Consumption vs UTI - India Consumer: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | Nippon India ETF Nifty India Consumption (Direct) | UTI - India Consumer Fund (Direct) |
|---|---|---|
| Return (CAGR) | −10.87% | −9.71% |
| Standard deviation | 15.09% | 15.32% |
| Sharpe ratio | -1.07 | -0.98 |
| Sortino ratio | -1.39 | -1.29 |
| Maximum drawdown | −17.3% (31-03-2026) | −17.3% (23-03-2026) |
| Beta | -- | 1.00 |
| Alpha | -- | +0.87% |
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 | Nippon India ETF Nifty India Consumption (Direct) | UTI - India Consumer Fund (Direct) |
|---|---|---|
| Return (CAGR) | +10.62% | +9.17% |
| Standard deviation | 13.90% | 13.73% |
| Sharpe ratio | 0.33 | 0.23 |
| Sortino ratio | 0.47 | 0.32 |
| Maximum drawdown | −21.9% (04-03-2025) | −23.3% (04-03-2025) |
| Beta | -- | 0.95 |
| Alpha | -- | −1.62% |
From daily NAVs, 30-10-2023 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.
| Measure | Nippon India ETF Nifty India Consumption (Direct) | UTI - India Consumer Fund (Direct) |
|---|---|---|
| Return (CAGR) | +10.19% | +7.42% |
| Standard deviation | 13.91% | 13.54% |
| Sharpe ratio | 0.32 | 0.12 |
| Sortino ratio | 0.44 | 0.16 |
| Maximum drawdown | −21.9% (04-03-2025) | −23.3% (04-03-2025) |
| Beta | -- | 0.94 |
| Alpha | -- | −2.87% |
From daily NAVs, 29-10-2021 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 | Nippon India ETF Nifty India Consumption (Direct) | UTI - India Consumer Fund (Direct) |
|---|---|---|
| Return (CAGR) | +12.96% | +10.86% |
| Standard deviation | 15.01% | 14.53% |
| Sharpe ratio | 0.48 | 0.33 |
| Sortino ratio | 0.67 | 0.45 |
| Maximum drawdown | −31.3% (23-03-2020) | −29.7% (23-03-2020) |
| Beta | -- | 0.89 |
| Alpha | -- | −1.41% |
From daily NAVs, 10-04-2014 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.
Nippon India ETF Nifty India Consumption (Direct)
UTI - India Consumer Fund (Direct)
Nifty India Consumption TRI
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| Nippon India ETF Nifty India Consumption (Direct) | −31.3% | 28-08-2018 | 23-03-2020 | 13-11-2020 | 8 months | −14.0% |
| UTI - India Consumer Fund (Direct) | −29.7% | 27-08-2018 | 23-03-2020 | 20-11-2020 | 8 months | −15.9% |
| Nifty India Consumption TRI | −31.2% | 28-08-2018 | 23-03-2020 | 12-11-2020 | 8 months | −13.4% |
From daily values since 10-04-2014, 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.
Nippon India ETF Nifty India Consumption (Direct)
UTI - India Consumer Fund (Direct)
Nifty India Consumption TRI
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 3-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
Nippon India ETF Nifty India Consumption (Direct)
UTI - India Consumer Fund (Direct)
Nifty India Consumption TRI
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 5-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
Nippon India ETF Nifty India Consumption (Direct)
UTI - India Consumer Fund (Direct)
Nifty India Consumption TRI
Against Nifty India Consumption TRI
| Fund | Up capture | Down capture | Tracking error |
|---|---|---|---|
| Nippon India ETF Nifty India Consumption (Direct) | 99% | 100% | 0.22% |
| UTI - India Consumer Fund (Direct) | 90% | 95% | 4.96% |
From month-end values since 10-04-2014. 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.
Nippon India ETF Nifty India Consumption vs UTI - India Consumer: Portfolio Overlap
From each fund's latest monthly portfolio: Nippon India ETF Nifty India Consumption, September 2026; UTI - India Consumer Fund, September 2026
Holdings in common
- Overlap
- 59.6%
- Held by both
- 18
- Only in Nippon India ETF Nifty India Consumption
- 12
- Only in UTI - India Consumer
- 25
| Security | % of Nippon India ETF Nifty India Consumption | % of UTI - India Consumer |
|---|---|---|
| Mahindra & Mahindra Limited | 8.19% | 9.22% |
| Eternal Limited | 7.20% | 9.40% |
| Titan Company Limited | 5.89% | 7.43% |
| Bharti Airtel Limited | 10.13% | 5.60% |
| Maruti Suzuki India Limited | 4.83% | 5.23% |
| Eicher Motors Limited | 3.06% | 4.66% |
| TVS Motor Company Limited | 3.00% | 3.66% |
| Nestle India Limited | 2.92% | 3.10% |
| ITC Limited | 7.87% | 2.84% |
| Trent Limited | 2.71% | 4.03% |
| Hindustan Unilever Limited | 5.18% | 2.13% |
| Hero MotoCorp Limited | 2.11% | 2.35% |
| Tata Consumer Products Limited | 1.92% | 2.86% |
| Varun Beverages Limited | 1.83% | 1.69% |
| Dixon Technologies (India) Limited | 1.69% | 1.67% |
| Info Edge (India) Limited | 1.47% | 1.82% |
| Avenue Supermarts Limited | 1.90% | 1.23% |
| United Spirits Limited | 1.24% | 1.14% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 59.6% means 59.6% 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 Nippon India ETF Nifty India Consumption
| Security | % of fund |
|---|---|
| Bajaj Auto Limited | 3.68% |
| InterGlobe Aviation Limited | 3.50% |
| Asian Paints Limited | 3.37% |
| Apollo Hospitals Enterprise Limited | 2.61% |
| Torrent Pharmaceuticals Limited | 2.19% |
Largest holdings only in UTI - India Consumer Fund
| Security | % of fund |
|---|---|
| EQ - PHOENIX MILLS LTD | 2.16% |
| EQ - POLYCAB INDIA LTD | 2.00% |
| EQ - BAJAJ FINANCE LTD. | 1.87% |
| EQ- GLOBAL HEALTH LTD. | 1.81% |
| EQ - JUBILANT FOODWORKS LTD. | 1.72% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | Nippon India ETF Nifty India Consumption | UTI - India Consumer |
|---|---|---|
| Equity | 99.9% | 98.0% |
| Debt | 0.0% | 0.0% |
| Cash and others | 0.1% | 2.0% |
Market cap of stocks
| Market cap | Nippon India ETF Nifty India Consumption | UTI - India Consumer |
|---|---|---|
| Large Cap | 88.0% | 70.4% |
| Mid Cap | 11.9% | 17.0% |
| Small Cap | 0.0% | 10.0% |
| Not on AMFI's list | 0.0% | 0.6% |
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 | Nippon India ETF Nifty India Consumption | UTI - India Consumer |
|---|---|---|
| Automobiles | 24.9% | 25.1% |
| Retailing | 13.3% | 19.4% |
| Consumer Durables | 10.9% | 13.6% |
| Diversified FMCG | 13.1% | 5.0% |
| Telecom - Services | 10.1% | 5.6% |
| Healthcare Services | 6.0% | 2.5% |
| Food Products | 4.7% | 3.9% |
The six largest sectors of each fund's stocks, % of the fund.
Nippon India ETF Nifty India Consumption vs UTI - India Consumer: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | Nippon India ETF Nifty India Consumption | UTI - India Consumer Fund |
|---|---|---|
| Total expense ratio (Direct) | 0.33% | 1.72% |
| Base expense ratio (Direct) | 0.26% | 1.40% |
| Total expense ratio (Regular) | Not available | 2.43% |
| Base expense ratio (Regular) | 0.00% | 2.05% |
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
Nippon India ETF Nifty India Consumption vs UTI - India Consumer Fund: Frequently Asked Questions
What is the difference between Nippon India ETF Nifty India Consumption and UTI - India Consumer Fund?
Nippon India ETF Nifty India Consumption is a mutual fund, UTI - India Consumer Fund is a Thematic fund, run by Nippon India Mutual Fund and UTI Mutual Fund. Their portfolios overlap 59.6%. Nippon India ETF Nifty India Consumption charges 0.33% a year and UTI - India Consumer Fund 1.72%.
Which has given higher returns, Nippon India ETF Nifty India Consumption or UTI - India Consumer Fund?
Over 1 year: Nippon India ETF Nifty India Consumption −10.87%, UTI - India Consumer Fund −9.71%. Over 3 years: Nippon India ETF Nifty India Consumption +10.62% a year, UTI - India Consumer Fund +9.17% a year. Over 5 years: Nippon India ETF Nifty India Consumption +10.19% a year, UTI - India Consumer Fund +7.42% a year. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, Nippon India ETF Nifty India Consumption or UTI - India Consumer Fund?
Nippon India ETF Nifty India Consumption charges less: 0.33% a year against 1.72%. These are the Direct plans' total expense ratios reported to AMFI.
How much do Nippon India ETF Nifty India Consumption and UTI - India Consumer Fund overlap?
59.6%. They hold 18 of the same securities, the largest shared ones being M&M, ETERNAL, TITAN. From each fund's latest monthly portfolio.
Which is better for SIP, Nippon India ETF Nifty India Consumption or UTI - India Consumer Fund?
Over the last 5 years, a monthly SIP of ₹10,000 from 01-10-2021 to 30-10-2026 grew to ₹7,45,192 in Nippon India ETF Nifty India Consumption (XIRR 7.8% a year) and ₹7,17,420 in UTI - India Consumer Fund (XIRR 6.3% a year). Both received 61 instalments. Past returns do not promise future returns.
Can I invest in both Nippon India ETF Nifty India Consumption and UTI - India Consumer Fund?
Yes. 59.6% of each fund's money sits in the same holdings, so a large part 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.