Can I invest in SIP and Lumpsum in UTI-Value Fund - Direct (IDCW) Direct Growth?

Yes, you can invest both lumpsum and SIP in UTI-Value Fund - Direct (IDCW). Minimum lumpsum investment UTI-Value Fund - Direct (IDCW) is ₹5,000 and minimum SIP amount is ₹500 . Lumpsum option is ideal for investors with higher investible corpus and market experience. SIP option is recommended for retail investors who do not have the time or expertise to time the market.

What is the NAV of UTI-Value Fund - Direct (IDCW) Direct Growth?

The latest NAV ( Net Asset Value ) of UTI-Value Fund - Direct (IDCW) is UTI-Value Fund - Direct (IDCW) is ₹58.53 as on 2025-05-15.

Which are the biggest stock holdings of UTI-Value Fund - Direct (IDCW)?

The 5 biggest stock holdings of UTI-Value Fund - Direct (IDCW) are: HDFC Bank (9.95%), ICICI Bank (6.56%), Infosys (4.54%), Bharti Airtel (4.28%), Kotak Mah. Bank (4.04%)

What are the top sectors UTI-Value Fund - Direct (IDCW) invests in?

A majority of UTI-Value Fund - Direct (IDCW) 's AUM worth ₹9,572.97 (Cr) is invested in these 3 top sectors: Banks : 28.31% IT-Software : 10.85% Pharmaceuticals & Biotech : 6.02%

Mutual Funds
AMC
UTI-Value Fund - Direct (IDCW)

UTI-Value Fund - Direct (IDCW)

Value Fund

Invest Now

NAV
58.53(1.26%)
Fund Size (CR)
₹9,572.97
Expense Ratio
1.12
Scheme Type
Active Fund
Value Research

Min. investment
₹5,000
Minimum Additional Investment
₹1,000
Minimum SIP Investment
₹500
Minimum Withdrawal
₹0
Exit Load
1% of applicable Net Asset Value - If the amount sought to be redeemed or switch out is invested for a period of up to 3 months from the date of allotment Nil - If the amount, sought to be redeemed or switch out is invested for a period of more than 3 months from the date of allotment
0%
Return Since Launch
14.63%

Absolute Return: 7.17%

Annualized Return: 0%

Basic Details

Scheme Manager

Vetri Subramaniam

Bench Mark

Nifty 500 TRI

Type

OPEN

Lumpsum Returns

Period Invested For	₹10,000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	7 May 2025	10128.60	1.29%	-	2.31%	82/92
1 Month	11 April 2025	10774.51	7.75%	-	7.80%	49/92
3 Month	14 February 2025	10586.21	5.86%	-	7.77%	78/88
6 Month	14 November 2024	10071.55	0.72%	-	0.25%	46/88
1 Year	14 May 2024	11571.10	15.71%	15.71%	8.83%	1/88
3 Year	13 May 2022	18491.67	84.92%	22.70%	23.34%	49/84
5 Year	14 May 2020	33157.04	231.57%	27.07%	28.15%	35/64
Since Inception	1 January 2013	54142.78	441.43%	14.63%	15.86%	65/92

Note: Lumpsum Returns since Inception Date.

SIP Returns

Period Invested For	₹10,000 Invested on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	3 June 2024	1,20,000	175583.66	46.32%	46.32%
3 Year	1 June 2022	3,60,000	694545.14	92.93%	24.49%
5 Year	1 June 2020	6,00,000	1418819.80	136.47%	18.78%
10 Year	1 June 2015	12,00,000	3896811.63	224.73%	12.50%

Note: SIP Returns since Inception Date.

Tax Treatment

If sold after 1 year from purchase date, long term capital gain tax will be applicable. Current tax rate is 10%, if your total long term capital gain exceeds 1 lakh. Any cess/surcharge is not included.If sold before 1 year from purchase date, short term capital gain tax will be applicable. Current tax rate is 15%. Any cess/surcharge is not included in the 15%.

Mutual Funds Calculator

Investment type
Scheme based

SIP
Lumpsum

Monthly Investment (₹)

Expected Returns Rate (%)

Time Period (in Years)

Start your SIP now

Invested Amount
₹25,000
Estimated Returns
₹19,059

76%

Returns

Future value of your investment

₹44,059

Risk Ratios

4.04%

Standard Deviation

0.92%

Beta

0.90%

Sharpe Ratio

0.04%

Treynor's Ratio

4.04%

Jension's Alpha

Asset Allocation

Sector Allocation

Top 10 stock holding in portfolio

Stock Invested in	% of Total Holdings	Quantity	Value (Cr)	Asset Type	Segment
HDFC Bank	9.95%	4950000	952.88	Equity	Banks
ICICI Bank	6.56%	4400000	627.88	Equity	Banks
Infosys	4.54%	2900000	435.03	Equity	IT - Software
Bharti Airtel	4.28%	2197804	409.78	Equity	Telecomm-Service
Kotak Mah. Bank	4.04%	1750000	386.42	Equity	Banks
Axis Bank	4.02%	3250000	385.13	Equity	Banks
Reliance Industr	3.30%	2250000	316.13	Equity	Refineries
St Bk of India	3.09%	3750000	295.74	Equity	Banks
Tech Mahindra	2.71%	1725000	259.27	Equity	IT - Software
M & M	2.68%	875000	256.27	Equity	Automobile

Peer Comparison

Scheme Name	Asset Size (Cr)	1M	3M	6M	1Y	3Y
UTI-Value Fund - Direct (IDCW)	9572.97	7.75%	5.86%	0.72%	15.71%	22.70%
UTI-Value Fund - Direct (IDCW)	9572.97	7.75%	5.86%	0.72%	15.71%	22.70%
UTI-Value Fund - Direct (G)	9572.97	7.75%	5.86%	0.72%	15.71%	22.70%
AXIS Value Fund - Direct (IDCW)	853.13	7.15%	6.35%	0.51%	14.91%	26.95%
AXIS Value Fund - Direct (G)	853.13	7.08%	6.29%	0.43%	14.81%	26.95%
ICICI Pru Value Discovery Fund - Direct (IDCW)	51111.88	7.37%	7.41%	4.39%	14.75%	24.73%

List of Schemes under UTI Mutual Fund

Fund Name	Category	Risk	1Y Returns	Ratings	Fund Size (Cr)
UTI-Aggressive Hybrid Fund	Hybrid	Very High	14.16%	4	₹6,122.28
UTI-Banking and Financial Services Fund	Equity	Very High	19.51%	3	₹1,263.64
UTI-Medium to Long Duration Fund	Debt	Moderate	11%	4	₹329.09
UTI-Children's Equity Fund	Solution Oriented	Very High	10.92%	0	₹1,093.47
UTI-Credit Risk Fund	Debt	Moderately High	9.56%	3	₹285.97
UTI-Dynamic Bond Fund	Debt	Moderately Low	11%	3	₹465.14
UTI-Flexi Cap Fund	Equity	Very High	16.01%	1	₹25,190.40
UTI-ELSS Tax Saver Fund	Equity	Very High	11.23%	2	₹3,689.48
UTI-Ultra Short Duration Fund	Debt	Moderate	7.93%	4	₹4,130.69
UTI-Gilt Fund	Debt	Moderate	11.16%	3	₹742.41
UTI-Infrastructure Fund	Equity	Very High	5.46%	2	₹2,139.14
UTI-Liquid Fund	Debt	Moderate	7.36%	3	₹28,564.86
UTI-Large Cap Fund	Equity	Very High	11.82%	3	₹12,607.55
UTI-Mid Cap Fund	Equity	Very High	9.53%	2	₹10,922.68
UTI-Conservative Hybrid Fund	Hybrid	Moderately High	12.25%	3	₹1,665.56
UTI-MNC Fund	Equity	Very High	3.12%	0	₹2,686.09
UTI-Money Market Fund	Debt	Moderate	8.16%	4	₹17,803.72
UTI-Nifty 50 Index Fund	Other	Very High	11.96%	3	₹22,521.11
UTI-Value Fund	Equity	Very High	15.71%	2	₹9,572.97
UTI-Healthcare Fund	Equity	Very High	22.42%	4	₹1,037.49
UTI-Short Duration Fund	Debt	Moderate	9.41%	4	₹2,791.39
UTI-Large & Mid Cap Fund	Equity	Very High	15.52%	5	₹4,349.32
UTI-Transportation & Logistics Fund	Equity	Very High	1.97%	0	₹3,291.83
UTI-Low Duration Fund	Debt	Moderately Low	8.28%	3	₹3,270.91
UTI Multi Asset Allocation Fund	Hybrid	Very High	11.07%	4	₹5,517.13
UTI Dividend Yield Fund	Equity	Very High	13.28%	0	₹3,928.43
UTI-Retirement Fund	Solution Oriented	High	12.86%	0	₹4,668.28
UTI-Overnight Fund	Debt	Low	6.56%	3	₹3,731.06
UTI-India Consumer Fund	Equity	Very High	8.05%	1	₹684.19
UTI-Unit Linked Insurance Plan	Hybrid	Moderately High	14.26%	0	₹5,449.44
UTI-Arbitrage Fund	Hybrid	Low	7.86%	3	₹6,899.22
UTI-Annual Interval Fund - I	Debt	Moderately Low	6.82%	0	₹23.31
UTI-Banking & PSU Fund	Debt	Moderate	9.1%	3	₹791.91
UTI-Medium Duration Fund	Debt	Moderate	9.89%	2	₹40.34
UTI-Nifty Next 50 Index Fund	Other	Very High	0.77%	3	₹5,036.87
UTI-Corporate Bond Fund	Debt	Moderate	9.98%	3	₹5,101.74
UTI-Equity Savings Fund	Hybrid	Moderate	9.6%	4	₹673.92
UTI-Floater Fund	Debt	Moderately Low	8.19%	4	₹1,394.65
UTI-Children's Equity Fund	Solution Oriented	Very High	10.92%	0	₹1,093.47
UTI-Children's Hybrid Fund	Solution Oriented	High	10.93%	0	₹4,548.50
UTI-Small Cap Fund	Equity	Very High	15.56%	3	₹4,237.54
UTI-Nifty200 Momentum 30 Index Fund	Other	Very High	-6.58%	1	₹7,611.77
UTI-Focused Fund	Equity	Very High	10.13%	3	₹2,561.22
UTI-BSE Sensex Index Fund	Other	Very High	12.08%	3	₹199.38
UTI-BSE Low Volatility Index Fund	Other	Very High	4.66%	3	₹556.29
UTI-Nifty Midcap 150 Quality 50 Index Fund	Other	Very High	10.79%	1	₹249.66
UTI-Gilt Fund with 10yr Constant Duration	Debt	Moderate	12.27%	0	₹172.80
UTI-Gold ETF Fund of Fund	Other	High	29.02%	5	₹250.39
UTI-FTI - Series XXXV-I(1260Days)	Debt	Moderately Low	8.32%	0	₹325.76
UTI-FTI - Series XXXV-II(1223Days)	Debt	Moderately Low	8.33%	0	₹181.59
UTI-CRISIL SDL Maturity April 2033 Index Fund	Other	Moderate	11.84%	0	₹367.51
UTI-CRISIL SDL Maturity June 2027 Index Fund	Other	Moderate	9.36%	0	₹76.92
UTI-FTI - Series XXXV-III(1176Days)	Debt	Moderate	8.13%	0	₹43.95
UTI-Nifty SDL Plus AAA PSU Bond Apr 2026 75:25 Index Fund	Other	Moderate	8.27%	0	₹174.92
UTI-FTI - Series XXXVI-I(1574Days)	Debt	Moderate	9.77%	0	₹59.93
UTI-Nifty SDL Plus AAA PSU Bond Apr 2028 75:25 Index Fund	Other	Moderate	10.1%	0	₹42.47
UTI-Long Duration Fund	Debt	Moderate	11.35%	0	₹233.44
UTI-Silver ETF Fund of Fund	Other	Very High	12.53%	0	₹54.57
UTI-Nifty 500 Value 50 Index Fund	Other	Very High	0.55%	0	₹516.26
UTI-Nifty50 Equal Weight Index Fund	Other	Very High	9.44%	0	₹98.87
UTI-BSE Housing Index Fund	Other	Very High	0.62%	0	₹24.42
UTI-Balanced Advantage Fund	Hybrid	Very High	13.06%	0	₹2,945.08
UTI-Innovation Fund	Equity	Very High	7.06%	0	₹759.64
UTI-Nifty200 Quality 30 Index Fund	Other	Very High	0%	0	₹580.88
UTI-Nifty Private Bank Index Fund	Other	Very High	0%	0	₹227.99
UTI-Nifty Alpha Low-Volatility 30 Index Fund	Other	Very High	0%	0	₹81.60
UTI-Nifty Midcap 150 Index Fund	Other	Very High	0%	0	₹48.41
UTI-Quant Fund	Equity	Very High	0%	0	₹1,562.68
UTI-Nifty India Manufacturing Index Fund	Other	Very High	0%	0	₹19.68
UTI-Nifty Midsmallcap 400 Momentum Quality 100 Index Fund	Other	Very High	0%	0	₹45.18
UTI-Income Plus Arbitrage Active Fund of Fund	Other	Moderate	0%	0	₹76.35
UTI Multi Cap Fund	Equity	Very High	0%	0	₹0.00

News

UTI MF announces change in benchmark index under its scheme
UTI Mutual Fund has announced change in the benchmark of UTI Annual Interval Fund ' I with effect from May 14, 2025
Change in name of Benchmark of UTI Annual Interval Fund ' I

Scheme Name Existing Benchmark Revised Benchmark

UTI Annual Interval Fund ' I CRISIL Low Duration Debt A-I Index Nifty Low Duration Debt Index A-I

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Scheme Name	Existing Benchmark	Revised Benchmark
UTI Annual Interval Fund ' I	CRISIL Low Duration Debt A-I Index	Nifty Low Duration Debt Index A-I

UTI MF announces change in Fund Manager of the following schemes

UTI Mutual Fund has announced change in Fund Manager of the following scheme with effect from: 08 April 2025

Change in Fund Manager of the Scheme:

Name of the Scheme(s)	Existing Fund Manager(s)	New Fund Manager(s)
UTI Flexi Cap Fund	Mr. Ajay Tyagi - Fund Manager Mr. Ravi Gupta - Assistant Fund Manager	Mr. Ajay Tyagi - Fund Manager Mr. Ravi Gupta - Assistant Fund Manager Mr. Kamal Gada - Assistant Fund Manager
UTI Unit Linked Insurance Plan	Mr. Sunil Patil ' Fund Manager (Debt Portion) Mr. Ajay Tyagi ' Fund Manager (Equity Portion) Mr. Ravi Gupta ' Assistant Fund Manager (Equity Portion)	Mr. Sunil Patil - Fund Manager (Debt Portion) Mr. Ajay Tyagi - Fund Manager (Equity Portion) Mr. Ravi Gupta - Assistant Fund Manager (Equity Portion) Mr. Kamal Gada - Assistant Fund Manager (Equity Portion)
UTI Gilt Fund	Mr. Sudhir Agrawal	Mr. Pankaj Pathak
UTI Dynamic Bond Fund	Mr. Sudhir Agrawal	Mr. Pankaj Pathak
UTI Floater Fund	Mr. Sudhir Agrawal	Mr. Pankaj Pathak
UTI Short Duration Fund	Mr. Sudhir Agrawal	Mr. Anurag Mittal

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UTI Conservative Hybrid Fund announces Income Distribution cum capital withdrawal (IDCW)
UTI Mutual Fund has announced IDCW is 02 April 2025 as the record date for declaration of Income Distribution cum capital withdrawal (IDCW) under Regular Plan-Monthly IDCW Option and Direct Plan-Monthly IDCW Option of UTI Conservative Hybrid Fund. The quantum of IDCW will be Rs 0.0800 per unit or 0.80% on the face value of Rs 10 per unit.
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Fund House Details & Investment Objective

Date of Incorporation

1 January 2013

Total AUM (Cr)

₹9572.97

UTI-Value Fund - Direct (IDCW) is an Value Fund-oriented fund from the renowned AMC, UTI Mutual Fund. Launched in 1 January 2013, this fund is managed by Vetri Subramaniam. With assets under management (AUM) worth ₹9,572.97 (Cr), as of 15 May 2025, UTI-Value Fund - Direct (IDCW) is categorized as a Value Fund within its segment. The fund has generated a return of 14.63% since its launch.
The current NAV of UTI-Value Fund - Direct (IDCW) is ₹58.53, as on 15 May 2025. The fund's benchmark index is Nifty 500 TRI. You can invest in UTI-Value Fund - Direct (IDCW) via both lumpsum and SIP modes. The minimum SIP amount in the fund is ₹500 while the minimum lumpsum investment is ₹5,000.

Being an open-ended fund, you can exit the fund anytime subject to applicable exit loads:
Redemption / switch out within 12 months from the date of allotment - (i) upto 10% of the alloted units - Nil (ii) beyond 10% of the alloted units - 1.00% Redemption / swith out after 12 months from the date of allotment - Nil The fund has generated 22.70% and 27.07% CAGR in the last 3 and 5 years respectively.

The fund aims to provide long-term capital appreciation and growth, by investing in a mix of financial instruments 99.41% in Equity, 0.27% in Debt and 0.30% in cash and cash equivalents.
The top 5 sectors the fund invests in are: 28.31% in Banks, 10.85% in IT-Software, 6.02% in Pharmaceuticals & Biotech, 5.74% in Automobiles, 4.16% in Petroleum Products

FAQs

How to Invest in UTI-Value Fund - Direct (IDCW) Direct Growth?

UTI-Value Fund - Direct (IDCW) is a popular fund in the Value Fund segment. The fund has generated a return of 14.63% since inception. Looking to invest in UTI-Value Fund - Direct (IDCW) How about earning 1% extra return? All this is possible with m.Stock! Investing in UTI-Value Fund - Direct (IDCW) is super easy and convenient with m.Stock. Here’s how you can begin:

Login to your m.Stock account. If you do not have an account, open m.Stock Demat account and enjoy 1% extra returns plus Zero Brokerage on Mutual Funds, Delivery & IPO.
In the ‘Menu’ section, under ‘Products’, select ‘Mutual Funds’ .
In the search bar, enter the fund name, in this case, UTI-Value Fund - Direct (IDCW)
On the top right corner you’ll see two options – Lumpsum and SIP. You can choose either based on your risk appetite and available investible corpus.
If you choose to invest a Lumpsum: Use the Lumpsum Calculator to estimate returns, then enter the investment amount, select the payment mode mode (UPI or Netbanking), and click on ‘invest a lumpsum’. Make the payment and your lumpsum investment is complete.
If you choose the SIP route: Utilize the SIP Calculator to forecast potential growth, then enter the SIP amount, SIP date, and set up ‘Autopay’ facility.

So, why wait? Invest in UTI-Value Fund - Direct (IDCW) today and reap the benefits of this Value Fund fund!

How much returns has UTI-Value Fund - Direct (IDCW) Direct Growth generated?

In the short term, i.e., 1 year, UTI-Value Fund - Direct (IDCW) has generated annualised return of 15.71%. In the long-term, the fund has generated 22.70% and 27.07% in 3 and 5 years respectively. Since its inception, the fund has generated 14.63% returns.

What is the expense ratio of UTI-Value Fund - Direct (IDCW) Direct Growth?

The expense ratio of UTI-Value Fund - Direct (IDCW) Direct Growth is 1.12%. Expense ratio is the fees payable by investors of the scheme towards management, research and overall upkeep of the fund. The higher the expense ratio, the lower is the in-hand return for the investor. Expense ratio for direct plans is lower than regular plans, making them ideal for investors.

What is the AUM of UTI-Value Fund - Direct (IDCW) Fund Direct Growth?

The Assets Under Management (AUM) of UTI-Value Fund - Direct (IDCW) is ₹9,572.97 (Cr) as of 2025-05-15 AUM shows the fund’s popularity and is often indicative of fund strength.

How to redeem or withdraw money from UTI-Value Fund - Direct (IDCW) Direct Growth?

Redeeming or selling units of UTI-Value Fund - Direct (IDCW) is relatively simple. But before you redeem, ensure that the fund has completed the minimum lock-in period else you will be charged an exit load.

To redeem from UTI-Value Fund - Direct (IDCW):

Login to your m.Stock account
In portfolio, your mutual fund investments will be visible under ‘MF’
Select the fund you wish to redeem from (in this case UTI-Value Fund - Direct (IDCW)).
Click on ‘Redeem’ button
You have 2 options – redeem by units and redeem by value (you can only redeem free units)
Select units to be redeemed and click on submit.
Redemption value will be credited to your account in 2-3 working days (as per timelines set by SEBI).