UTI - Flexi Cap Fund. vs UTI - India Consumer Fund
Direct Plan, Growth option · Data as on 30-10-2026
UTI - Flexi Cap Fund. is a Flexi Cap fund and UTI - India Consumer Fund is a Thematic fund. In the 3 years to 30-10-2026, UTI - Flexi Cap Fund. (Direct) returned 8.5% a year and UTI - India Consumer Fund (Direct) returned 9.2% a year. UTI - Flexi Cap Fund. charges 1.17% a year and UTI - India Consumer Fund 1.72% (Direct plans). Their portfolios overlap 41.6%: they hold 24 of the same securities.
UTI - Flexi Cap Fund.
Flexi Cap
- 3 year return
- 8.5%
- Expense ratio
- 1.17%
- NAV
- ₹336.25
UTI - India Consumer Fund
Thematic
- 3 year return
- 9.2%
- Expense ratio
- 1.72%
- NAV
- ₹59.07
Which is better, UTI - Flexi Cap Fund. 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.
- UTI - India Consumer returned more over 5 years: 7.4% a year against 3.9%.
- UTI - India Consumer returned more over 3 years: 9.2% a year against 8.5%.
- UTI - Flexi Cap Fund. costs less: 1.17% a year against 1.72% (Direct plans).
- UTI - Flexi Cap Fund. swung less over 3 years: a standard deviation of 12.9% a year against 13.7%.
- UTI - India Consumer fell less in its worst fall since 02-01-2013: −29.7% against −33.9%.
- UTI - India Consumer holds more in large companies: 70.4% of the fund in large caps against 58.4%.
- UTI - Flexi Cap Fund. is the larger fund: ₹22,495 Cr against ₹678 Cr.
- Their portfolios overlap 41.6%: 24 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 | UTI - Flexi Cap Fund. | UTI - India Consumer Fund |
|---|---|---|
| Fund house | UTI Mutual Fund | UTI Mutual Fund |
| Category | Flexi Cap | Thematic |
| AUM | ₹22,495 Cr (30-09-2026) | ₹678 Cr (30-09-2026) |
| NAV | ₹336.25 (Direct) | ₹59.07 (Direct) |
| Expense ratio (Direct) | 1.17% | 1.72% |
| Expense ratio (Regular) | 1.69% | 2.43% |
| Riskometer | Very High | Very High |
| Benchmark | Nifty 500 TRI | Nifty India Consumption TRI |
| Launch date | 01-08-1992 | 30-07-2007 |
| Minimum investment | 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, | 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 | Ajay Tyagi FM 1, Kamal Gada FM 2, Akash Shah FM 3, Not Applicable FM 4, Not Applicable FM 5 | Vicky Punjabi |
| Exit load | Exit Load for units in excess of 10% of the investment,1% will be charged for redemption within 1 year. | 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 |
UTI - Flexi Cap Fund. 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 |
|---|---|---|---|---|---|---|---|
| UTI - Flexi Cap Fund. (Direct) | +0.06% | −4.46% | +6.64% | −5.64% | +8.51% | +3.93% | +11.68% |
| UTI - India Consumer Fund (Direct) | −0.54% | −7.93% | −1.32% | −9.71% | +9.17% | +7.42% | +10.59% |
| Flexi Cap average | −1.62% | −4.17% | +1.00% | −3.58% | +12.37% | +10.04% | +13.13% |
| Thematic average | −2.09% | −4.52% | +0.86% | −1.22% | +13.76% | +11.62% | +13.76% |
Category average: the average of the 46 Flexi Cap funds and the 235 Thematic funds, same plan type.
UTI - Flexi Cap Fund. vs UTI - India Consumer: Year-wise Returns
| Year | Flexi Cap Fund.UTI - Flexi Cap Fund. | India ConsumerUTI - India Consumer |
|---|---|---|
| 2026to date | −2.66% | −8.54% |
| 2025 | +1.71% | +4.78% |
| 2024 | +15.12% | +21.38% |
| 2023 | +20.73% | +24.06% |
| 2022 | −12.68% | −1.67% |
| 2021 | +35.00% | +27.08% |
UTI - Flexi Cap Fund. vs UTI - India Consumer: Rolling Returns
Every holding period of both funds, against Nifty 500 TRI, the benchmark of UTI - Flexi Cap Fund.
Rolling returns
Every 3-year holding period, 2,665 of them, one for each trading day from 04-01-2016 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.
UTI - Flexi Cap Fund. (Direct)
UTI - India Consumer Fund (Direct)
Nifty 500 TRI
to
Nov 2016Sept 2015
to
Sept 2018Jul 2017
to
Jul 2020May 2019
to
May 2022Mar 2021
to
Mar 2024Dec 2022
to
Dec 2025
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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| UTI - Flexi Cap Fund. | 0.1 | 2.7 | 25.2 | 33.5 | 24.5 | 10.1 | 3.8 | 13.9% | 13.2% | −1.4% | 30.0% | 44% |
| UTI - India Consumer | 0.7 | 6.6 | 20.4 | 42.7 | 27.7 | 1.8 | 0.0 | 12.4% | 12.4% | −2.9% | 22.9% | 9% |
| Nifty 500 TRI | 1.9 | 4.3 | 7.8 | 37.0 | 34.8 | 11.3 | 2.9 | 14.7% | 14.9% | −6.3% | 33.5% | -- |
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 02-01-2013. Past returns do not promise future returns.
UTI - Flexi Cap Fund. 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 02-01-2013 to 30-10-2026: 166 instalments, ₹16,60,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| UTI - Flexi Cap Fund.UTI - Flexi Cap Fund. (Direct) | ₹16,60,000 | ₹39,57,833 | ₹22,97,833 | 11.7% |
| UTI - India ConsumerUTI - India Consumer Fund (Direct) | ₹16,60,000 | ₹36,07,048 | ₹19,47,048 | 10.5% |
UTI - Flexi Cap Fund.UTI - Flexi Cap 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.
UTI - Flexi Cap Fund. vs UTI - India Consumer: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | UTI - Flexi Cap Fund. (Direct) | UTI - India Consumer Fund (Direct) |
|---|---|---|
| Return (CAGR) | −5.64% | −9.71% |
| Standard deviation | 14.17% | 15.32% |
| Sharpe ratio | -0.77 | -0.98 |
| Sortino ratio | -1.05 | -1.29 |
| Maximum drawdown | −18.9% (23-03-2026) | −17.3% (23-03-2026) |
| Beta | 0.93 | 1.00 |
| Alpha | +0.85% | +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 | UTI - Flexi Cap Fund. (Direct) | UTI - India Consumer Fund (Direct) |
|---|---|---|
| Return (CAGR) | +8.51% | +9.17% |
| Standard deviation | 12.92% | 13.73% |
| Sharpe ratio | 0.19 | 0.23 |
| Sortino ratio | 0.27 | 0.32 |
| Maximum drawdown | −20.1% (23-03-2026) | −23.3% (04-03-2025) |
| Beta | 0.83 | 0.95 |
| Alpha | −0.99% | −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 | UTI - Flexi Cap Fund. (Direct) | UTI - India Consumer Fund (Direct) |
|---|---|---|
| Return (CAGR) | +3.93% | +7.42% |
| Standard deviation | 13.42% | 13.54% |
| Sharpe ratio | -0.14 | 0.12 |
| Sortino ratio | -0.19 | 0.16 |
| Maximum drawdown | −25.6% (17-06-2022) | −23.3% (04-03-2025) |
| Beta | 0.87 | 0.94 |
| Alpha | −4.47% | −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 | UTI - Flexi Cap Fund. (Direct) | UTI - India Consumer Fund (Direct) |
|---|---|---|
| Return (CAGR) | +12.83% | +10.86% |
| Standard deviation | 14.69% | 14.53% |
| Sharpe ratio | 0.46 | 0.33 |
| Sortino ratio | 0.63 | 0.45 |
| Maximum drawdown | −33.9% (23-03-2020) | −29.7% (23-03-2020) |
| Beta | 0.88 | 0.89 |
| Alpha | +0.83% | −1.41% |
From daily NAVs, 02-01-2013 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.
UTI - Flexi Cap Fund. (Direct)
UTI - India Consumer Fund (Direct)
Nifty 500 TRI
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| UTI - Flexi Cap Fund. (Direct) | −33.9% | 12-02-2020 | 23-03-2020 | 08-10-2020 | 7 months | −7.0% |
| UTI - India Consumer Fund (Direct) | −29.7% | 27-08-2018 | 23-03-2020 | 20-11-2020 | 8 months | −15.9% |
| Nifty 500 TRI | −38.1% | 17-01-2020 | 23-03-2020 | 06-11-2020 | 7 months | −8.8% |
From daily values since 02-01-2013, 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.
UTI - Flexi Cap Fund. (Direct)
UTI - India Consumer Fund (Direct)
Nifty 500 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.
UTI - Flexi Cap Fund. (Direct)
UTI - India Consumer Fund (Direct)
Nifty 500 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.
UTI - Flexi Cap Fund. (Direct)
UTI - India Consumer Fund (Direct)
Nifty 500 TRI
Against Nifty 500 TRI
| Fund | Up capture | Down capture | Tracking error |
|---|---|---|---|
| UTI - Flexi Cap Fund. (Direct) | 94% | 89% | 5.25% |
| UTI - India Consumer Fund (Direct) | 87% | 88% | 6.65% |
From month-end values since 02-01-2013. 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.
UTI - Flexi Cap Fund. vs UTI - India Consumer: Portfolio Overlap
From each fund's latest monthly portfolio: UTI - Flexi Cap Fund., September 2026; UTI - India Consumer Fund, September 2026
Holdings in common
- Overlap
- 41.6%
- Held by both
- 24
- Only in UTI - Flexi Cap Fund.
- 30
- Only in UTI - India Consumer
- 19
| Security | % of UTI - Flexi Cap Fund. | % of UTI - India Consumer |
|---|---|---|
| EQ - ETERNAL LIMITED | 6.56% | 9.40% |
| EQ - TITAN COMPANY LTD. | 3.94% | 7.43% |
| EQ - BHARTI AIRTEL LTD. | 3.37% | 5.60% |
| EQ - MAHINDRA & MAHINDRA LTD. | 2.44% | 9.22% |
| EQ - EICHER MOTORS LTD | 2.19% | 4.66% |
| EQ - TRENT LIMITED | 2.10% | 4.03% |
| EQ - MARUTI SUZUKI INDIA LTD. | 2.06% | 5.23% |
| EQ - BAJAJ FINANCE LTD. | 5.53% | 1.87% |
| EQ - INFO-EDGE (INDIA) LTD. | 3.59% | 1.82% |
| EQ- GLOBAL HEALTH LTD. | 2.00% | 1.81% |
| EQ - POLYCAB INDIA LTD | 1.81% | 2.00% |
| EQ - DIXON TECHNOLOGIES (INDIA) LTD | 3.61% | 1.67% |
| EQ - PIDILITE INDUSTRIES LTD. | 1.46% | 1.41% |
| EQ - HDFC BANK LIMITED | 4.61% | 1.35% |
| EQ - AVENUE SUPERMARTS LTD. | 2.84% | 1.23% |
| EQ - NESTLE INDIA LTD. | 1.02% | 3.10% |
| EQ - BERGER PAINTS INDIA LTD. | 0.84% | 1.09% |
| EQ - ASTRAL LTD. | 1.53% | 0.81% |
| EQ - TVS MOTOR COMPANY LTD | 0.79% | 3.66% |
| EQ - JUBILANT FOODWORKS LTD. | 0.63% | 1.72% |
| EQ - HAVELLS INDIA LTD. | 0.85% | 0.56% |
| EQ - METRO BRANDS LTD | 0.49% | 1.31% |
| EQ - UNITED FOODBRANDS LTD | 0.42% | 0.84% |
| EQ - MEESHO LTD | 0.76% | 0.39% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 41.6% means 41.6% 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 UTI - Flexi Cap Fund.
| Security | % of fund |
|---|---|
| EQ - ICICI BANK LTD | 5.81% |
| EQ - COFORGE LTD | 3.77% |
| EQ - PERSISTENT SYSTEMS LTD. | 3.44% |
| EQ - KOTAK MAHINDRA BANK LTD. | 3.41% |
| EQ - DR LAL PATHLABS LTD. | 2.22% |
Largest holdings only in UTI - India Consumer Fund
| Security | % of fund |
|---|---|
| EQ - TATA CONSUMER PRODUCTS LTD | 2.86% |
| EQ - ITC LTD. | 2.84% |
| EQ - HERO MOTOCORP LTD. | 2.35% |
| EQ - PHOENIX MILLS LTD | 2.16% |
| EQ - HINDUSTAN UNILEVER LTD | 2.13% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | UTI - Flexi Cap Fund. | UTI - India Consumer |
|---|---|---|
| Equity | 97.0% | 98.0% |
| Debt | 0.2% | 0.0% |
| Cash and others | 2.7% | 2.0% |
Market cap of stocks
| Market cap | UTI - Flexi Cap Fund. | UTI - India Consumer |
|---|---|---|
| Large Cap | 58.4% | 70.4% |
| Mid Cap | 26.3% | 17.0% |
| Small Cap | 12.4% | 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 | UTI - Flexi Cap Fund. | UTI - India Consumer |
|---|---|---|
| Automobiles | 7.5% | 25.1% |
| Retailing | 16.6% | 19.4% |
| Banks | 14.9% | 1.4% |
| Consumer Durables | 10.4% | 13.6% |
| IT - Software | 9.3% | 0.0% |
| Pharmaceuticals & Biotechnology | 8.4% | 0.0% |
| Finance | 7.7% | 1.9% |
| Telecom - Services | 3.4% | 5.6% |
| Diversified FMCG | 0.0% | 5.0% |
| Food Products | 1.0% | 3.9% |
The six largest sectors of each fund's stocks, % of the fund.
UTI - Flexi Cap Fund. vs UTI - India Consumer: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | UTI - Flexi Cap Fund. | UTI - India Consumer Fund |
|---|---|---|
| Total expense ratio (Direct) | 1.17% | 1.72% |
| Base expense ratio (Direct) | 0.94% | 1.40% |
| Total expense ratio (Regular) | 1.69% | 2.43% |
| Base expense ratio (Regular) | 1.40% | 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 UTI - Flexi Cap Fund. with
UTI - Flexi Cap Fund. vs UTI - India Consumer Fund: Frequently Asked Questions
What is the difference between UTI - Flexi Cap Fund. and UTI - India Consumer Fund?
UTI - Flexi Cap Fund. is a Flexi Cap fund, UTI - India Consumer Fund is a Thematic fund, run by UTI Mutual Fund. Their portfolios overlap 41.6%. UTI - Flexi Cap Fund. charges 1.17% a year and UTI - India Consumer Fund 1.72%.
Which has given higher returns, UTI - Flexi Cap Fund. or UTI - India Consumer Fund?
Over 1 year: UTI - Flexi Cap Fund. −5.64%, UTI - India Consumer Fund −9.71%. Over 3 years: UTI - Flexi Cap Fund. +8.51% a year, UTI - India Consumer Fund +9.17% a year. Over 5 years: UTI - Flexi Cap Fund. +3.93% 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, UTI - Flexi Cap Fund. or UTI - India Consumer Fund?
UTI - Flexi Cap Fund. charges less: 1.17% a year against 1.72%. These are the Direct plans' total expense ratios reported to AMFI.
How much do UTI - Flexi Cap Fund. and UTI - India Consumer Fund overlap?
41.6%. They hold 24 of the same securities, the largest shared ones being ETERNAL, TITAN, BHARTIARTL. From each fund's latest monthly portfolio.
Which is riskier, UTI - Flexi Cap Fund. or UTI - India Consumer Fund?
On SEBI's riskometer, UTI - Flexi Cap Fund. is rated Very High and UTI - India Consumer Fund Very High. Over 3 years, the standard deviation of daily returns was 12.92% and 13.73% a year.
Which is better for SIP, UTI - Flexi Cap 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 ₹7,04,539 in UTI - Flexi Cap Fund. (XIRR 5.6% 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 UTI - Flexi Cap Fund. and UTI - India Consumer Fund?
Yes. 41.6% of each fund's money sits in the same holdings, so a large part of the two investments would move together.
Who manages UTI - Flexi Cap Fund. and UTI - India Consumer Fund?
UTI - Flexi Cap Fund.: Ajay Tyagi FM 1, Kamal Gada FM 2, Akash Shah FM 3, Not Applicable FM 4, Not Applicable FM 5. 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.