UTI Flexi Cap Fund - A Dynamic Approach
UTI Flexi Cap Fund is not a regular one-size-fits-all investment. Unlike funds that adhere strictly to their categories, this one is creatively free.
It's an open-ended dynamic equity scheme diversifying its bets across large-cap, mid-cap, and small-cap stocks. Think of it as a fund that can shift gears—moving towards large-caps when they're promising, or hedging on mid and small-caps when they show potential.
Fund Overview & Key Metrics
₹25,341 Cr
As of May 30, 2025
May 18, 1992
Over 30 years of history
₹230.28
Direct Plan, as of June 20, 2025
₹5,000
Growth & IDCW Options
Investment Objective & Exit Load
The fund aims to achieve long-term capital appreciation by investing across the market cap spectrum in equity and equity-related securities. The fund transparently states that there is no guarantee of achieving investment goals. The fund has a structured exit load:
- Within 1 year: Redemption of the first 10% of units is free. A 1% load applies to redemptions beyond this 10% limit.
- After 1 year: Completely free, with no exit load charged.
Portfolio Breakdown
A look into where the fund allocates its capital, as of May 31, 2025.
Market Cap Distribution (%)
Top 5 Sector Allocation (%)
Top 10 Holdings (43.80% of Portfolio)
| Rank | Company Name | % to NAV |
|---|---|---|
| 1 | ICICI Bank Ltd | 6.69% |
| 2 | HDFC Bank Ltd | 6.40% |
| 3 | Bajaj Finance Ltd | 6.04% |
| 4 | Eternal Ltd | 4.10% |
| 5 | Kotak Mahindra Bank Ltd | 3.75% |
| 6 | LTI Mindtree Ltd | 3.57% |
| 7 | Info-Edge (India) Ltd | 3.54% |
| 8 | Avenue Supermarts Ltd | 3.43% |
| 9 | Coforge Ltd | 3.22% |
| 10 | Infosys Ltd | 3.07% |
Performance: The Real Test
Fund CAGR (%) vs. Time
Growth of ₹10,000 Investment
| Period | Fund Value | Nifty 500 Value |
|---|---|---|
| 1 Year | ₹11,438 | ₹10,902 |
| 3 Years | ₹14,095 | ₹16,614 |
| 5 Years | ₹24,906 | ₹30,658 |
| Since Inception | ₹4,83,718 | N/A |
Absolute Returns vs. Benchmarks (as of May 30, 2025)
| Period | UTI Flexi Cap | Nifty 500 TRI | Fund vs Nifty 500 |
|---|---|---|---|
| 1 Year | 14.38% | 9.02% | ✅ +5.36% outperformance |
| 3 Years | 12.11% | 18.42% | ❌ -6.31% underperformance |
| 5 Years | 20.01% | 25.10% | ❌ -5.09% underperformance |
| Since Inception | 12.45% | N/A | 30+ year track record |
SIP Investment Calculator
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CAGR Returns
| Period | CAGR (%) |
|---|---|
| 1 Year | 14.38% |
| 3 Years | 12.11% |
| 5 Years | 20.01% |
Risk & Valuation Metrics
0.79
Less volatile than market (1.00)
12.00%
Lower risk than benchmark (13.60%)
0.52
Better risk-adjusted returns (vs 0.10)
10.83
Attractive valuation vs benchmark (34.00)
Who's Running the Show?
The fund is managed by an experienced team, with Ajay Tyagi providing nearly a decade of stable leadership at the helm.
| Role | Name | Qualifications | Managing Since |
|---|---|---|---|
| Primary Fund Manager | Mr. Ajay Tyagi | Masters in Finance, CFA | Jan 2016 |
| Assistant Fund Manager | Mr. Ravi Gupta | CFA, PGDM (IIM-L) | Aug 2024 |
| Assistant Fund Manager | Mr. Kamal Gada | CA, CS, CFA | April 2025 |