UTI Small Cap Fund — Deep Analysis

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Fund Overview

UTI Small Cap Fund — Quick Summary

UTI Small Cap Fund was launched in December 2018, shortly after SEBI's recategorisation exercise. UTI Mutual Fund — one of India's oldest and most trusted fund houses with over 60 years of history — brings its legacy of disciplined investing to the small cap category. With ₹3,400 Cr+ AUM and a competitive expense ratio of 0.58%, the fund offers a steady, institutional approach to small cap investing.

Fund House

UTI Mutual Fund

✓ Suitable For

✓Investors with 7+ year horizon who can stay patient through crashes

✓SIP investors doing rupee cost averaging every month without stopping

✓Those seeking high wealth creation and comfortable with high volatility

✓Experienced investors using this as a satellite allocation in a diversified portfolio

✗ Not Suitable For

✗First-time investors — start with a large cap or hybrid fund first

✗Anyone who needs money within 3–5 years — small caps can be down for years

✗Investors who panic sell — 40–50% crashes are normal in this category

✗Those making it their only fund — concentration in small caps is dangerous

Who Runs This Fund

Fund Manager

AK

Ankit Agarwal

Fund Manager, UTI Mutual Fund

Managing Since

2019

Experience

14+ Years

Funds Managed

3 Funds

Total AUM

₹5,000 Cr+

Ankit Agarwal manages UTI Small Cap Fund with a bottom-up stock selection philosophy. He focuses on businesses with sustainable competitive advantages, strong management quality, and reasonable valuations. UTI's legacy as one of India's oldest fund houses brings institutional discipline and a long-term investing culture to the portfolio.

Fund History

Key Moments in Fund's Life

December 2018

🚀 Fund Launch

UTI MF launched its small cap fund post SEBI recategorisation. Being one of India's oldest fund houses, UTI brought its decades of institutional investing discipline to the small cap category.

2019

📈 First Full Year

Solid portfolio construction in the first year. UTI's research team identified quality small cap businesses across diverse sectors.

March 2020

💥 COVID Crash

Sharp drawdown as all small caps suffered. UTI Small Cap's institutional approach meant a quality-focused portfolio that recovered well.

2021 — 2022

🏆 Post-COVID Recovery

Strong recovery as small caps surged post-COVID. The fund's quality bias proved beneficial as quality businesses recovered faster and stronger.

2023 — 2024

📊 Steady Performer

Consistent performance though not always a top-ranked fund. UTI Small Cap has built a reputation as a reliable, steady small cap option backed by UTI's institutional credibility.

What They Don't Tell You

The Dark Chapters

Every fund has painful periods. Here's an honest look at when UTI Small Cap Fund struggled — because understanding this is crucial before investing.

2018 — 2020

Turbulent First Two Years

UTI Small Cap launched into the aftermath of the NBFC crisis and then faced COVID within 18 months. Early investors endured significant drawdowns before seeing any gains. The fund's quality approach helped recovery but the initial period was painful.

Early investors faced 2+ years of losses

UTI Brand — Strengths and Concerns

India's Oldest AMC — But Not Always the Sharpest

UTI MF's 60-year history is both its strength and its perceived weakness. While the institutional discipline is real, some investors feel UTI has not always been at the cutting edge of fund management innovation. The fund tends to be a steady performer rather than a category-beating star.

Perception: Conservative vs innovative peers

Moderate Returns vs Category

Does Not Consistently Beat Top Quartile

UTI Small Cap Fund delivers decent absolute returns but rarely leads the category. Investors comparing it to Tata (0.28% ER, stronger track record) or Nippon (larger AUM, more analyst coverage) may find UTI lacking in either cost or performance leadership.

Returns consistent but rarely category-topping

⚠️ Educational Disclaimer: The dark chapters above are presented for educational awareness only. Past difficulties do not predict future performance. CRNIndia.com is NOT a SEBI/AMFI registered advisor. Please consult a qualified financial advisor before investing.

Performance

Returns vs Benchmark

1 Month

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Nifty SC: —

3 Month

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Nifty SC: —

6 Month

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Nifty SC: —

1 Year

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Nifty SC: —

3 Year CAGR

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Nifty SC: —

5 Year CAGR

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Nifty SC: —

10 Year CAGR

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Nifty SC: —

Since Inception

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Sep 2009

Price History

NAV History

Consistency Analysis

Rolling Returns ℹ️ What is this?

Rolling returns show how the fund performed across every possible investment period — not just one cherry-picked date. This reveals true consistency. Learn more →

1Y Rolling (Avg)

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% of times positive: —

3Y Rolling (Avg)

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% of times positive: —

5Y Rolling (Avg)

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% of times positive: —

1-Year Rolling Returns Each point = 1yr return from that date

Risk Analysis

Maximum Drawdown ℹ️ What is this?

Drawdown shows the biggest fall from peak NAV. This is what investors actually experience during market crashes. Learn more →

Max Drawdown Ever

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Recovery time: —

2020 Covid Crash

-40.2%

Recovery: 14 months

2018 IL&FS Crisis

-28.6%

Recovery: 24 months

Current from Peak

—

Peak NAV: —

Drawdown Chart % fall from rolling peak NAV

Valuation Signal

NAV vs 200-Day Moving Average

When NAV is above 200 DMA, the fund is in an uptrend. When below, it signals caution. Many investors use this as a simple entry/exit signal.

Current NAV

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200 DMA

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NAV vs DMA

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Loading signal...

NAV vs 200 DMA

Risk Metrics

Risk Ratios

Alpha (3Y)

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Excess return over benchmark. Higher is better.

Beta (3Y)

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Volatility vs market. >1 means more volatile.

Sharpe Ratio

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Return per unit of risk. >1 is considered good.

Sortino Ratio

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Like Sharpe but only penalises downside risk.

Std Deviation

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How much returns fluctuate. Lower = more stable.

R-Squared

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How closely it tracks the benchmark index.

Benchmark Comparison

Fund vs Nifty Smallcap 250

₹1 Lakh invested — Growth comparison

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