Tata NIFTY 50 Exchange Traded Fund vs UTI Value Fund
Direct Plan where a fund has one, Growth option · Data as on 30-10-2026
Tata NIFTY 50 Exchange Traded Fund is an Index fund and UTI Value Fund is a Value and Contra fund. In the 3 years to 30-10-2026, Tata NIFTY 50 Exchange Traded Fund returned 7.5% a year and UTI Value Fund (Direct) returned 11.7% a year. Tata NIFTY 50 Exchange Traded Fund charges 0.09% a year and UTI Value Fund 1.35%. Their portfolios overlap 53.5%: they hold 26 of the same securities.
Tata NIFTY 50 Exchange Traded Fund
Index
- 3 year return
- 7.5%
- Expense ratio
- 0.09%
- NAV
- ₹251.41
Which is better, Tata NIFTY 50 Exchange Traded or UTI Value? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- UTI Value returned more over 5 years: 9.9% a year against 6.6%.
- UTI Value returned more over 3 years: 11.7% a year against 7.5%.
- Tata NIFTY 50 Exchange Traded costs less: 0.09% a year against 1.35%.
- Tata NIFTY 50 Exchange Traded swung less over 3 years: a standard deviation of 13.2% a year against 13.3%.
- UTI Value fell less in its worst fall since 02-01-2019: −36.7% against −38.4%.
- Tata NIFTY 50 Exchange Traded holds more in large companies: 98.6% of the fund in large caps against 65.6%.
- UTI Value is the larger fund: ₹9,025 Cr against ₹674 Cr.
- Their portfolios overlap 53.5%: 26 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 NIFTY 50 Exchange Traded Fund | UTI Value Fund |
|---|---|---|
| Fund house | Tata Mutual Fund | UTI Mutual Fund |
| Category | Index | Value and Contra |
| AUM | ₹674 Cr (30-09-2026) | ₹9,025 Cr (30-09-2026) |
| NAV | ₹251.41 | ₹173.12 (Direct) |
| Expense ratio (Direct) | Not available | 1.35% |
| Expense ratio (Regular) | Not available | 1.87% |
| Riskometer | Very High | Very High |
| Benchmark | Nifty 50 TRI | Nifty 500 TRI |
| Launch date | 01-01-2019 | 20-07-2005 |
| 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 | None | None |
| Fund managers | Nitin Sharma, Rakesh Prajapati | Amit Premchandani FM 1, Not Applicable FM 2, Not Applicable FM 3, Not Applicable FM 4 |
| Exit load | NIL | Exit Load for units in excess of 10% of the investment,1% will be charged for redemption within 1 year. |
Tata NIFTY 50 Exchange Traded vs UTI Value: 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 NIFTY 50 Exchange Traded Fund | +1.95% | −4.98% | −3.13% | −10.05% | +7.53% | +6.62% | -- |
| UTI Value Fund (Direct) | −0.22% | −6.08% | −3.22% | −9.06% | +11.71% | +9.95% | +12.87% |
| Value and Contra average | −2.09% | −5.76% | −3.23% | −5.72% | +11.83% | +11.08% | +12.63% |
Category average: the average of the 30 Value and Contra funds, same plan type.
Tata NIFTY 50 Exchange Traded vs UTI Value: Year-wise Returns
| Year | Tata NIFTY 50 Exchange TradedTata NIFTY 50 Exchange Traded | UTI ValueUTI Value |
|---|---|---|
| 2026to date | −10.98% | −9.69% |
| 2025 | +11.85% | +7.71% |
| 2024 | +9.95% | +24.28% |
| 2023 | +21.14% | +27.63% |
| 2022 | +5.68% | +5.04% |
| 2021 | +25.44% | +31.35% |
Tata NIFTY 50 Exchange Traded vs UTI Value: Rolling Returns
Every holding period of both funds, against Nifty 50 TRI, the benchmark of Tata NIFTY 50 Exchange Traded Fund
Rolling returns
Every 3-year holding period, 1,190 of them, one for each trading day from 03-01-2022 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 NIFTY 50 Exchange Traded Fund
UTI Value Fund (Direct)
Nifty 50 TRI
to
May 2022Mar 2020
to
Mar 2023Jan 2021
to
Jan 2024Nov 2021
to
Nov 2024Sept 2022
to
Sept 2025Jun 2023
to
Jun 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 NIFTY 50 Exchange Traded | 0.0 | 0.0 | 9.9 | 39.0 | 38.7 | 8.2 | 4.1 | 15.3% | 15.1% | 5.3% | 32.4% | 1% |
| UTI Value | 0.0 | 0.0 | 0.0 | 8.8 | 50.9 | 34.1 | 6.1 | 19.5% | 19.4% | 10.2% | 33.2% | 100% |
| Nifty 50 TRI | 0.0 | 0.0 | 9.6 | 38.2 | 39.8 | 8.3 | 4.1 | 15.4% | 15.2% | 5.4% | 32.4% | -- |
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 50 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 02-01-2019. Past returns do not promise future returns.
Tata NIFTY 50 Exchange Traded vs UTI Value: 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 02-01-2019 to 30-10-2026: 94 instalments, ₹9,40,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| Tata NIFTY 50 Exchange TradedTata NIFTY 50 Exchange Traded Fund | ₹9,40,000 | ₹13,79,431 | ₹4,39,431 | 9.6% |
| UTI ValueUTI Value Fund (Direct) | ₹9,40,000 | ₹15,91,739 | ₹6,51,739 | 13.1% |
Tata NIFTY 50 Exchange TradedTata NIFTY 50 Exchange Traded Fund
UTI ValueUTI Value 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 NIFTY 50 Exchange Traded vs UTI Value: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | Tata NIFTY 50 Exchange Traded Fund | UTI Value Fund (Direct) |
|---|---|---|
| Return (CAGR) | −10.05% | −9.06% |
| Standard deviation | 13.61% | 13.51% |
| Sharpe ratio | -1.12 | -1.06 |
| Sortino ratio | -1.50 | -1.40 |
| Maximum drawdown | −15.2% (31-03-2026) | −15.3% (31-03-2026) |
| Beta | 1.00 | 0.92 |
| Alpha | −0.07% | −2.77% |
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 NIFTY 50 Exchange Traded Fund | UTI Value Fund (Direct) |
|---|---|---|
| Return (CAGR) | +7.53% | +11.71% |
| Standard deviation | 13.18% | 13.31% |
| Sharpe ratio | 0.11 | 0.43 |
| Sortino ratio | 0.16 | 0.59 |
| Maximum drawdown | −15.5% (04-03-2025) | −17.2% (07-04-2025) |
| Beta | 1.00 | 0.91 |
| Alpha | −0.09% | +1.86% |
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 NIFTY 50 Exchange Traded Fund | UTI Value Fund (Direct) |
|---|---|---|
| Return (CAGR) | +6.62% | +9.95% |
| Standard deviation | 13.66% | 13.42% |
| Sharpe ratio | 0.06 | 0.31 |
| Sortino ratio | 0.08 | 0.42 |
| Maximum drawdown | −15.8% (17-06-2022) | −17.3% (17-06-2022) |
| Beta | 1.00 | 0.91 |
| Alpha | −0.08% | +1.40% |
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 NIFTY 50 Exchange Traded Fund | UTI Value Fund (Direct) |
|---|---|---|
| Return (CAGR) | +11.42% | +12.86% |
| Standard deviation | 17.06% | 15.09% |
| Sharpe ratio | 0.36 | 0.45 |
| Sortino ratio | 0.50 | 0.61 |
| Maximum drawdown | −38.4% (23-03-2020) | −36.7% (23-03-2020) |
| Beta | 1.00 | 0.93 |
| Alpha | −0.06% | +0.53% |
From daily NAVs, 02-01-2019 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 NIFTY 50 Exchange Traded Fund
UTI Value Fund (Direct)
Nifty 50 TRI
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| Tata NIFTY 50 Exchange Traded Fund | −38.4% | 14-01-2020 | 23-03-2020 | 06-11-2020 | 7 months | −11.7% |
| UTI Value Fund (Direct) | −36.7% | 07-02-2020 | 23-03-2020 | 05-11-2020 | 7 months | −10.7% |
| Nifty 50 TRI | −38.3% | 14-01-2020 | 23-03-2020 | 06-11-2020 | 7 months | −11.6% |
From daily values since 02-01-2019, 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 NIFTY 50 Exchange Traded Fund
UTI Value Fund (Direct)
Nifty 50 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 NIFTY 50 Exchange Traded Fund
UTI Value Fund (Direct)
Nifty 50 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 NIFTY 50 Exchange Traded Fund
UTI Value Fund (Direct)
Nifty 50 TRI
Against Nifty 50 TRI
| Fund | Up capture | Down capture | Tracking error |
|---|---|---|---|
| Tata NIFTY 50 Exchange Traded Fund | 100% | 100% | 0.11% |
| UTI Value Fund (Direct) | 102% | 87% | 4.54% |
From month-end values since 02-01-2019. 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 NIFTY 50 Exchange Traded vs UTI Value: Portfolio Overlap
From each fund's latest monthly portfolio: Tata NIFTY 50 Exchange Traded Fund, September 2026; UTI Value Fund, September 2026
Holdings in common
- Overlap
- 53.5%
- Held by both
- 26
- Only in Tata NIFTY 50 Exchange Traded
- 24
- Only in UTI Value
- 38
| Security | % of Tata NIFTY 50 Exchange Traded | % of UTI Value |
|---|---|---|
| HDFC BANK LTD | 10.48% | 7.97% |
| ICICI BANK LTD | 9.14% | 6.26% |
| BHARTI AIRTEL LTD | 5.16% | 4.23% |
| AXIS BANK LTD | 3.40% | 3.94% |
| STATE BANK OF INDIA | 3.83% | 3.30% |
| INFOSYS LTD | 3.37% | 3.19% |
| KOTAK MAHINDRA BANK LTD | 2.96% | 4.16% |
| MAHINDRA & MAHINDRA LTD | 2.54% | 2.99% |
| RELIANCE INDUSTRIES LTD | 7.74% | 2.50% |
| MARUTI SUZUKI INDIA LTD | 1.51% | 1.86% |
| TATA STEEL LTD | 1.47% | 1.63% |
| LARSEN & TOUBRO LTD | 4.25% | 1.41% |
| SUN PHARMACEUTICAL INDUSTRIES LTD | 1.86% | 1.41% |
| POWER GRID CORPORATION OF INDIA LTD | 1.14% | 1.88% |
| BHARAT ELECTRONICS LTD | 1.34% | 1.08% |
| NTPC LTD | 1.48% | 1.07% |
| ITC LTD | 2.44% | 1.02% |
| COAL INDIA LTD | 0.98% | 1.37% |
| EICHER MOTORS LTD | 0.95% | 1.39% |
| TECH MAHINDRA LTD | 0.93% | 2.58% |
| OIL & NATURAL GAS CO. | 0.85% | 1.00% |
| ADANI ENTERPRISES LTD | 0.81% | 1.01% |
| CIPLA LTD | 0.73% | 1.72% |
| DR REDDYS LABORATORIES LTD | 0.73% | 0.66% |
| TATA MOTORS PASSENGER VEHICLES LTD | 0.57% | 0.94% |
| HDFC LIFE INSURANCE CO. LTD | 0.54% | 1.16% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 53.5% means 53.5% 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 NIFTY 50 Exchange Traded Fund
| Security | % of fund |
|---|---|
| BAJAJ FINANCE LTD | 2.48% |
| ETERNAL LTD | 2.23% |
| TATA CONSULTANCY SERVICES LTD | 2.02% |
| TITAN COMPANY LTD | 1.83% |
| HINDUSTAN UNILEVER LTD | 1.61% |
Largest holdings only in UTI Value Fund
| Security | % of fund |
|---|---|
| EQ - PHOENIX MILLS LTD | 1.82% |
| EQ - INDUSIND BANK | 1.72% |
| EQ - MPHASIS LTD | 1.61% |
| EQ - MAHINDRA & MAHINDRA FINANCIAL | 1.48% |
| EQ - BRIGADE ENTERPRISES LTD. | 1.46% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | Tata NIFTY 50 Exchange Traded | UTI Value |
|---|---|---|
| Equity | 100.0% | 99.3% |
| Debt | 0.0% | 0.3% |
| Cash and others | 0.0% | 0.4% |
Market cap of stocks
| Market cap | Tata NIFTY 50 Exchange Traded | UTI Value |
|---|---|---|
| Large Cap | 98.6% | 65.6% |
| Mid Cap | 1.4% | 18.3% |
| Small Cap | 0.0% | 15.5% |
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 NIFTY 50 Exchange Traded | UTI Value |
|---|---|---|
| Banks | 29.8% | 28.1% |
| IT - Software | 8.0% | 8.3% |
| Automobiles | 6.7% | 8.0% |
| Petroleum Products | 7.7% | 2.5% |
| Pharmaceuticals & Biotechnology | 3.3% | 6.6% |
| Finance | 5.5% | 1.5% |
| Telecom - Services | 5.2% | 4.2% |
| Realty | 0.0% | 4.5% |
The six largest sectors of each fund's stocks, % of the fund.
Tata NIFTY 50 Exchange Traded vs UTI Value: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | Tata NIFTY 50 Exchange Traded Fund | UTI Value Fund |
|---|---|---|
| Total expense ratio (Direct) | Not available | 1.35% |
| Base expense ratio (Direct) | 0.07% | 1.05% |
| Total expense ratio (Regular) | Not available | 1.87% |
| Base expense ratio (Regular) | 0.00% | 1.51% |
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
Tata NIFTY 50 Exchange Traded Fund vs UTI Value Fund: Frequently Asked Questions
What is the difference between Tata NIFTY 50 Exchange Traded Fund and UTI Value Fund?
Tata NIFTY 50 Exchange Traded Fund is an Index fund, UTI Value Fund is a Value and Contra fund, run by Tata Mutual Fund and UTI Mutual Fund. Their portfolios overlap 53.5%. Tata NIFTY 50 Exchange Traded Fund charges 0.09% a year and UTI Value Fund 1.35%.
Which has given higher returns, Tata NIFTY 50 Exchange Traded Fund or UTI Value Fund?
Over 1 year: Tata NIFTY 50 Exchange Traded Fund −10.05%, UTI Value Fund −9.06%. Over 3 years: Tata NIFTY 50 Exchange Traded Fund +7.53% a year, UTI Value Fund +11.71% a year. Over 5 years: Tata NIFTY 50 Exchange Traded Fund +6.62% a year, UTI Value Fund +9.95% a year. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, Tata NIFTY 50 Exchange Traded Fund or UTI Value Fund?
Tata NIFTY 50 Exchange Traded Fund charges less: 0.09% a year against 1.35%. These are the total expense ratios reported to AMFI.
How much do Tata NIFTY 50 Exchange Traded Fund and UTI Value Fund overlap?
53.5%. They hold 26 of the same securities, the largest shared ones being HDFCBANK, ICICIBANK, BHARTIARTL. From each fund's latest monthly portfolio.
Which is riskier, Tata NIFTY 50 Exchange Traded Fund or UTI Value Fund?
On SEBI's riskometer, Tata NIFTY 50 Exchange Traded Fund is rated Very High and UTI Value Fund Very High. Over 3 years, the standard deviation of daily returns was 13.18% and 13.31% a year.
Which is better for SIP, Tata NIFTY 50 Exchange Traded Fund or UTI Value Fund?
Over the last 5 years, a monthly SIP of ₹10,000 from 01-10-2021 to 30-10-2026 grew to ₹6,95,738 in Tata NIFTY 50 Exchange Traded Fund (XIRR 5.1% a year) and ₹7,59,479 in UTI Value Fund (XIRR 8.6% a year). Both received 61 instalments. Past returns do not promise future returns.
Can I invest in both Tata NIFTY 50 Exchange Traded Fund and UTI Value Fund?
Yes. 53.5% of each fund's money sits in the same holdings, so a large part of the two investments would move together.
Who manages Tata NIFTY 50 Exchange Traded Fund and UTI Value Fund?
Tata NIFTY 50 Exchange Traded Fund: Nitin Sharma, Rakesh Prajapati. UTI Value Fund: Amit Premchandani FM 1, Not Applicable FM 2, Not Applicable FM 3, Not Applicable FM 4.
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.