UTI - Large Cap Fund
Large Cap fund from UTI Mutual Fund. Direct and regular Growth plans: returns over 1, 3 and 5 years, against the Nifty 100, its rank among large cap funds and what a ₹10,000 SIP became.
As of 30 Sep 2026, UTI - Large Cap Fund (direct plan, Growth) has returned 6.0% a year over 5 years, 6.3% over 3 years and 11.0% over 10 years. That ranks 25 of 27 large cap funds over 5 years. The Nifty 100 index returned 6.8% over the same 5 years, so the fund trailed it by 0.8 points a year. A ₹10,000 monthly SIP for 5 years (₹6,00,000) was worth ₹6,79,579, an XIRR of 4.9%. Expense ratio: 1.19% a year for the direct plan and 1.86% for the regular plan. Latest NAV ₹282.33 (29 Oct 2026).
UTI - Large Cap Fund returns
| Plan | 1 year | 3 years | 5 years | 10 years | vs index, 5y | Beat the index (rolling 3y) |
|---|---|---|---|---|---|---|
| Direct | -6.4% | 6.3% | 6.0% | 11.0% | -0.8% | 12 of 49 |
| Regular | -7.1% | 5.5% | 5.1% | 10.1% | -1.7% | 2 of 49 |
To 30 Sep 2026. The rolling column counts every 3-year stretch in the stored history and how many of them the fund beat the Nifty 100 index in. Returns are yearly (CAGR) from AMFI month-end NAVs of the Growth option. An index's return is measured through a low-cost index fund's direct plan, so it is a little below the index itself. Past returns do not tell you what a fund will do next, and this is not a recommendation to buy or sell any fund.
Against the index
| Period | Fund | Nifty 100 | Nifty 50 |
|---|---|---|---|
| 1 year | -6.4% | -5.4% | -7.3% |
| 3 years | 6.3% | 7.5% | 5.8% |
| 5 years | 6.0% | 6.8% | 6.1% |
| 10 years | 11.0% | — | 11.2% |
Calendar-year returns
| Year | Direct | Regular |
|---|---|---|
| 2025 | 9.5% | 8.6% |
| 2024 | 12.2% | 11.2% |
| 2023 | 21.8% | 20.8% |
| 2022 | -0.9% | -1.8% |
| 2021 | 30.8% | 29.6% |
| 2020 | 19.8% | 18.7% |
| 2019 | 11.6% | 10.7% |
| 2018 | 0.5% | -0.4% |
| 2017 | 30.5% | 29.6% |
| 2016 | 4.2% | 3.6% |
What a ₹10,000 SIP in UTI - Large Cap Fund became
| Plan | SIP for | Invested | Value at 30 Sep 2026 | XIRR |
|---|---|---|---|---|
| Direct | 3 years | ₹3,60,000 | ₹3,56,846 | -0.6% |
| Direct | 5 years | ₹6,00,000 | ₹6,79,579 | 4.9% |
| Regular | 3 years | ₹3,60,000 | ₹3,52,302 | -1.4% |
| Regular | 5 years | ₹6,00,000 | ₹6,64,154 | 4.0% |
A ₹10,000 SIP at each month-end NAV, valued at the latest month-end. Try your own amount and dates with the SIP calculator.
Expense ratio
1.19% a year for the direct plan and 1.86% for the regular plan, as disclosed for 30 Sep 2026 (AMFI's TER disclosure). It is taken out of the fund every day, so the returns above are already after it. On ₹10 lakh growing at 12% a year for 10 years, a 1.86% expense ratio instead of 1.19% costs ₹1,64,248. Try your own numbers with the expense ratio calculator.
Direct vs regular plan
The regular plan returned 0.90 points a year less than the direct plan over 5 years: on ₹10 lakh invested 5 years ago, that is ₹56,202 less today. The difference is the distributor's commission and the higher expense ratio. See it for your amount with the direct vs regular calculator.
Where it ranks among large cap funds
| Rank | Fund | 5-year return (direct) |
|---|---|---|
| 1 | Nippon India Large Cap Fund | 12.0% |
| 2 | Invesco India Large Cap Fund | 10.6% |
| 3 | ICICI Prudential Large Cap Fund (erstwhile Bluechip Fund) | 10.2% |
| 4 | Taurus Large Cap Fund | 10.1% |
| 5 | Bandhan Large Cap Fund | 9.8% |
| 25 | UTI - Large Cap Fund | 6.0% |
Ranked by 5-year return among the 27 large cap funds with that much history. All large cap funds.
Key takeaways
Frequently asked questions
What is the NAV of UTI - Large Cap Fund?
₹282.33 for the direct plan (Growth) on 29 Oct 2026, from AMFI.
What are UTI - Large Cap Fund's 5-year returns?
6.0% a year (direct plan, to 30 Sep 2026).
Has UTI - Large Cap Fund beaten its index?
Over 5 years it returned 6.0% a year against 6.8% for the Nifty 100.
What is the expense ratio of UTI - Large Cap Fund?
1.19% a year for the direct plan and 1.86% for the regular plan (AMFI disclosure for 30 Sep 2026).
What did a SIP in UTI - Large Cap Fund return?
₹10,000 a month for 5 years became ₹6,79,579, an XIRR of 4.9%.