Tata India Consumer Fund vs UTI - India Consumer Fund
Direct Plan, Growth option · Data as on 30-10-2026
Tata India Consumer Fund is a Thematic fund and UTI - India Consumer Fund is a Thematic fund. In the 3 years to 30-10-2026, Tata India Consumer Fund (Direct) returned 13.1% a year and UTI - India Consumer Fund (Direct) returned 9.2% a year. Tata India Consumer Fund charges 0.93% a year and UTI - India Consumer Fund 1.72% (Direct plans). Their portfolios overlap 38.5%: they hold 15 of the same securities.
Tata India Consumer Fund
Thematic
- 3 year return
- 13.1%
- Expense ratio
- 0.93%
- NAV
- ₹52.04
UTI - India Consumer Fund
Thematic
- 3 year return
- 9.2%
- Expense ratio
- 1.72%
- NAV
- ₹59.07
Which is better, Tata India Consumer 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.
- Tata India Consumer returned more over 5 years: 12.5% a year against 7.4%.
- Tata India Consumer returned more over 3 years: 13.1% a year against 9.2%.
- Tata India Consumer costs less: 0.93% a year against 1.72% (Direct plans).
- UTI - India Consumer swung less over 3 years: a standard deviation of 13.7% a year against 14.2%.
- UTI - India Consumer fell less in its worst fall since 29-12-2015: −29.7% against −32.5%.
- UTI - India Consumer holds more in large companies: 70.4% of the fund in large caps against 45.6%.
- Tata India Consumer is the larger fund: ₹2,723 Cr against ₹678 Cr.
- Their portfolios overlap 38.5%: 15 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 | Tata India Consumer Fund | UTI - India Consumer Fund |
|---|---|---|
| Fund house | Tata Mutual Fund | UTI Mutual Fund |
| Category | Thematic | Thematic |
| AUM | ₹2,723 Cr (30-09-2026) | ₹678 Cr (30-09-2026) |
| NAV | ₹52.04 (Direct) | ₹59.07 (Direct) |
| Expense ratio (Direct) | 0.93% | 1.72% |
| Expense ratio (Regular) | 2.13% | 2.43% |
| Riskometer | Very High | Very High |
| Benchmark | Nifty India Consumption TRI | Nifty India Consumption TRI |
| Launch date | 28-12-2015 | 30-07-2007 |
| Minimum investment | ₹5,000 | 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 | None | None |
| Fund managers | Sonam Udasi, Aditya Bagul | Vicky Punjabi |
| Exit load | 0.25% of NAV if redeemed /switched out before 30 days from the date of allotment. | 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 |
Tata India Consumer 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 |
|---|---|---|---|---|---|---|---|
| Tata India Consumer Fund (Direct) | −2.31% | −6.20% | +2.16% | −3.17% | +13.07% | +12.46% | +16.14% |
| 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.
Tata India Consumer vs UTI - India Consumer: Year-wise Returns
| Year | TataTata India Consumer | UTI -UTI - India Consumer | Nifty India Consumption TRI |
|---|---|---|---|
| 2026to date | −0.93% | −8.54% | −9.10% |
| 2025 | −0.88% | +4.78% | +9.22% |
| 2024 | +28.28% | +21.38% | +19.77% |
| 2023 | +37.48% | +24.06% | +27.96% |
| 2022 | +2.38% | −1.67% | +8.53% |
| 2021 | +29.19% | +27.08% | +20.82% |
Tata India Consumer vs UTI - India Consumer: Rolling Returns
Every holding period of both funds, against Nifty India Consumption TRI, the benchmark of both
Rolling returns
Every 3-year holding period, 1,930 of them, one for each trading day from 31-12-2018 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.
Tata India Consumer Fund (Direct)
UTI - India Consumer Fund (Direct)
Nifty India Consumption TRI
to
Aug 2019Dec 2017
to
Dec 2020Apr 2019
to
Apr 2022Aug 2020
to
Aug 2023Dec 2021
to
Dec 2024Mar 2023
to
Mar 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Tata India Consumer | 0.0 | 2.3 | 12.6 | 12.4 | 34.0 | 36.7 | 2.0 | 17.3% | 18.6% | 2.2% | 28.4% | 97% |
| UTI - India Consumer | 1.0 | 9.1 | 15.1 | 37.7 | 34.6 | 2.5 | 0.0 | 12.8% | 13.6% | −2.9% | 22.9% | 14% |
| Nifty India Consumption TRI | 0.1 | 6.8 | 16.9 | 24.9 | 33.9 | 17.3 | 0.1 | 14.6% | 15.2% | −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 29-12-2015. Past returns do not promise future returns.
Tata India Consumer 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 29-12-2015 to 30-10-2026: 131 instalments, ₹13,10,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| Tata India ConsumerTata India Consumer Fund (Direct) | ₹13,10,000 | ₹31,29,870 | ₹18,19,870 | 15.1% |
| UTI - India ConsumerUTI - India Consumer Fund (Direct) | ₹13,10,000 | ₹23,57,168 | ₹10,47,168 | 10.3% |
Tata India ConsumerTata India Consumer Fund (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.
Tata India Consumer vs UTI - India Consumer: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | Tata India Consumer Fund (Direct) | UTI - India Consumer Fund (Direct) |
|---|---|---|
| Return (CAGR) | −3.17% | −9.71% |
| Standard deviation | 14.79% | 15.32% |
| Sharpe ratio | -0.57 | -0.98 |
| Sortino ratio | -0.77 | -1.29 |
| Maximum drawdown | −17.2% (31-03-2026) | −17.3% (23-03-2026) |
| Beta | 0.88 | 1.00 |
| Alpha | +5.44% | +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 | Tata India Consumer Fund (Direct) | UTI - India Consumer Fund (Direct) |
|---|---|---|
| Return (CAGR) | +13.07% | +9.17% |
| Standard deviation | 14.16% | 13.73% |
| Sharpe ratio | 0.50 | 0.23 |
| Sortino ratio | 0.70 | 0.32 |
| Maximum drawdown | −20.7% (28-02-2025) | −23.3% (04-03-2025) |
| Beta | 0.88 | 0.95 |
| Alpha | +2.63% | −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 | Tata India Consumer Fund (Direct) | UTI - India Consumer Fund (Direct) |
|---|---|---|
| Return (CAGR) | +12.46% | +7.42% |
| Standard deviation | 14.08% | 13.54% |
| Sharpe ratio | 0.47 | 0.12 |
| Sortino ratio | 0.66 | 0.16 |
| Maximum drawdown | −20.7% (28-02-2025) | −23.3% (04-03-2025) |
| Beta | 0.90 | 0.94 |
| Alpha | +2.37% | −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 | Tata India Consumer Fund (Direct) | UTI - India Consumer Fund (Direct) |
|---|---|---|
| Return (CAGR) | +16.39% | +10.86% |
| Standard deviation | 15.19% | 14.53% |
| Sharpe ratio | 0.72 | 0.33 |
| Sortino ratio | 1.00 | 0.45 |
| Maximum drawdown | −32.5% (23-03-2020) | −29.7% (23-03-2020) |
| Beta | 0.90 | 0.89 |
| Alpha | +4.86% | −1.41% |
From daily NAVs, 29-12-2015 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.
Tata India Consumer Fund (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 |
|---|---|---|---|---|---|---|
| Tata India Consumer Fund (Direct) | −32.5% | 31-08-2018 | 23-03-2020 | 13-11-2020 | 8 months | −8.9% |
| 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 29-12-2015, 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.
Tata India Consumer Fund (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.
Tata India Consumer Fund (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.
Tata India Consumer Fund (Direct)
UTI - India Consumer Fund (Direct)
Nifty India Consumption TRI
Against Nifty India Consumption TRI
| Fund | Up capture | Down capture | Tracking error |
|---|---|---|---|
| Tata India Consumer Fund (Direct) | 103% | 80% | 7.09% |
| UTI - India Consumer Fund (Direct) | 93% | 95% | 4.73% |
From month-end values since 29-12-2015. 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.
Tata India Consumer vs UTI - India Consumer: Portfolio Overlap
From each fund's latest monthly portfolio: Tata India Consumer Fund, September 2026; UTI - India Consumer Fund, September 2026
Holdings in common
- Overlap
- 38.5%
- Held by both
- 15
- Only in Tata India Consumer
- 20
- Only in UTI - India Consumer
- 28
| Security | % of Tata India Consumer | % of UTI - India Consumer |
|---|---|---|
| ETERNAL LTD | 9.73% | 9.40% |
| TITAN COMPANY LTD | 6.91% | 7.43% |
| NESTLE INDIA LTD | 5.71% | 3.10% |
| TATA CONSUMER PRODUCTS LTD | 3.67% | 2.86% |
| ITC LTD | 3.13% | 2.84% |
| MARUTI SUZUKI INDIA LTD | 2.57% | 5.23% |
| BHARTI AIRTEL LTD | 1.86% | 5.60% |
| VARUN BEVERAGES LTD | 4.15% | 1.69% |
| DIXON TECHNOLOGIES (INDIA) LTD | 1.95% | 1.67% |
| MAHINDRA & MAHINDRA LTD | 1.36% | 9.22% |
| METRO BRANDS LTD | 1.26% | 1.31% |
| UNITED SPIRITS LTD | 3.49% | 1.14% |
| BIKAJI FOODS INTERNATIONAL LTD | 2.50% | 0.83% |
| LG ELECTRONICS INDIA LTD | 2.98% | 0.55% |
| RADICO KHAITAN LTD | 5.54% | 0.45% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 38.5% means 38.5% 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 Tata India Consumer Fund
| Security | % of fund |
|---|---|
| CARTRADE TECH LTD | 4.98% |
| ATHER ENERGY LTD | 4.00% |
| BAJAJ AUTO LTD | 2.87% |
| MULTI COMMODITY EXCHANGE OF IND LTD | 2.32% |
| DOMS INDUSTRIES LTD | 2.16% |
Largest holdings only in UTI - India Consumer Fund
| Security | % of fund |
|---|---|
| EQ - EICHER MOTORS LTD | 4.66% |
| EQ - TRENT LIMITED | 4.03% |
| EQ - TVS MOTOR COMPANY LTD | 3.66% |
| EQ - HERO MOTOCORP LTD. | 2.35% |
| EQ - PHOENIX MILLS LTD | 2.16% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | Tata India Consumer | UTI - India Consumer |
|---|---|---|
| Equity | 91.0% | 98.0% |
| Debt | 0.0% | 0.0% |
| Cash and others | 9.0% | 2.0% |
Market cap of stocks
| Market cap | Tata India Consumer | UTI - India Consumer |
|---|---|---|
| Large Cap | 45.6% | 70.4% |
| Mid Cap | 19.7% | 17.0% |
| Small Cap | 24.6% | 10.0% |
| Not on AMFI's list | 1.1% | 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 | Tata India Consumer | UTI - India Consumer |
|---|---|---|
| Automobiles | 10.8% | 25.1% |
| Retailing | 16.8% | 19.4% |
| Consumer Durables | 18.0% | 13.6% |
| Beverages | 13.2% | 3.3% |
| Food Products | 8.2% | 3.9% |
| Capital Markets | 6.0% | 1.3% |
| Telecom - Services | 1.9% | 5.6% |
| Diversified FMCG | 3.1% | 5.0% |
The six largest sectors of each fund's stocks, % of the fund.
Tata India Consumer vs UTI - India Consumer: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | Tata India Consumer Fund | UTI - India Consumer Fund |
|---|---|---|
| Total expense ratio (Direct) | 0.93% | 1.72% |
| Base expense ratio (Direct) | 0.64% | 1.40% |
| Total expense ratio (Regular) | 2.13% | 2.43% |
| Base expense ratio (Regular) | 1.69% | 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
Compare Tata India Consumer with
Tata India Consumer Fund vs UTI - India Consumer Fund: Frequently Asked Questions
What is the difference between Tata India Consumer Fund and UTI - India Consumer Fund?
Tata India Consumer Fund is a Thematic fund, UTI - India Consumer Fund is a Thematic fund, run by Tata Mutual Fund and UTI Mutual Fund. Their portfolios overlap 38.5%. Tata India Consumer Fund charges 0.93% a year and UTI - India Consumer Fund 1.72%.
Which has given higher returns, Tata India Consumer Fund or UTI - India Consumer Fund?
Over 1 year: Tata India Consumer Fund −3.17%, UTI - India Consumer Fund −9.71%. Over 3 years: Tata India Consumer Fund +13.07% a year, UTI - India Consumer Fund +9.17% a year. Over 5 years: Tata India Consumer Fund +12.46% 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, Tata India Consumer Fund or UTI - India Consumer Fund?
Tata India Consumer Fund charges less: 0.93% a year against 1.72%. These are the Direct plans' total expense ratios reported to AMFI.
How much do Tata India Consumer Fund and UTI - India Consumer Fund overlap?
38.5%. They hold 15 of the same securities, the largest shared ones being ETERNAL, TITAN, NESTLEIND. From each fund's latest monthly portfolio.
Which is riskier, Tata India Consumer Fund or UTI - India Consumer Fund?
On SEBI's riskometer, Tata India Consumer Fund is rated Very High and UTI - India Consumer Fund Very High. Over 3 years, the standard deviation of daily returns was 14.16% and 13.73% a year.
Which is better for SIP, Tata India Consumer Fund 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 ₹8,19,359 in Tata India Consumer Fund (XIRR 11.6% 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 Tata India Consumer Fund and UTI - India Consumer Fund?
Yes. 38.5% of each fund's money sits in the same holdings, so some of the two investments would move together.
Who manages Tata India Consumer Fund and UTI - India Consumer Fund?
Tata India Consumer Fund: Sonam Udasi, Aditya Bagul. UTI - India Consumer Fund: Vicky Punjabi.
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.