Investment Objective and Approach

The scheme seeks to generate long term capital appreciation by investing predominantly in companies that are expected to benefit from the growth of consumption, changing demographics, consumer aspirations and lifestyle. The fund focuses on equity and equity-related instruments of consumer-oriented companies.

The investment approach follows a bottom-up stock selection methodology, targeting quality companies in the consumption theme with strong fundamentals. The fund invests in businesses that benefit from India's evolving consumer patterns, urbanization trends, and rising disposable incomes. The fund's asset allocation comprises around 98.53% in equities, 0.00% in debts, and 1.47% in cash & cash equivalents as of August 25, 2025.

Key investment themes include:

- Consumer discretionary goods and services

- FMCG companies with strong brand positioning

- Financial services catering to consumer needs

- Companies benefiting from demographic dividend

- Lifestyle and aspirational brands

Fund Managers

Lalit Nambiar, Vishal Chopda is the Current Fund Manager of UTI India Consumer Fund Direct Growth fund.

Vishal Chopda brings extensive expertise to the fund management. Vishal Chopda, with an extensive experience of 15 years while managing equity & related investments. He is focused on picking quality companies and holds them for a long duration to generate good compounding returns in their funds. Mr. Chopda is BE, PGDM & CFA. He joined UTI AMC in January 2011 and worked for the past 7 years as Research Analyst. He has previously worked with Care Ratings.

Lalit Nambiar serves as Senior Fund Manager at UTI AMC. Nambiar is currently the Senior Vice President of UTI Mutual Funds and also serves as a Senior Fund Manager for UTI's Credit Risk Fund. Mr. Nambiar is credited with creating two of the most successful products of the UTIMF portfolio- the Ultra Short Term and Medium Term Mutual Funds. Mr. Nambiar completed his BMS and MMS in Finance from the University of Mumbai. He is also a CFA Charterholder and has completed a course in Financial Risk Management from the CFA Institute and GARP. From 2008, he has been actively associated with the UTI Asset Management Company.

About the Fund House (AMC)

UTI Asset Management Company (UTI AMC) is one of India's oldest and most respected fund houses. UTI Mutual Fund was launched by the Government of India in 1963, and it is one of the oldest mutual fund companies in India. The Unit Trust of India (UTI), first mutual fund in India, was set up by an Act of Parliament in 1963.

Key highlights of UTI AMC:

- Strong Legacy: Considering the active schemes, UTI Mutual Fund is one of the oldest mutual fund companies in India

- Assets Under Management: As of 2024, UTI AMC has an Assets Under Management (AUM) of Rs.15.56 lakh crores

- Investor Base: It also manages pension funds in India and currently has an investor base of more than 12 million live folios

- Market Position: UTI Mutual Fund is the eighth largest mutual fund house by asset size in India

Ownership Structure: UTI has four sponsors namely the State Bank of India (SBI), Life Insurance Corporation of India (LIC), Punjab National Bank and the Bank of Baroda. It counts UTI Trustee Company Private Limited as the trustee. The 4 big partners- State Bank of India, the PNB or Punjab National Bank, Bank of Baroda, and the Life Insurance Corporation of India each holds 18.24% of the shares in the UTIMF. A significant share of 26% is held by the T Rowe Price Group Inc, also known as the TRP Grou, and controlled by its subsidiary - T Rowe Price Global Investment Services Ltd.

Innovation Track Record: UTI Mutual Fund has been a pioneer in launching various schemes, such as the UTI Unit Linked Insurance Plan (ULIP) with life and accident cover (launched in 1971), UTI Master Share (launched in 1986), India's first Offshore Fund – India Fund (launched in 1986), and the UTI Wealth Builder Fund, the first of its kind in the Indian mutual fund industry combining different asset classes like equity and gold.

Should I Invest in UTI India Consumer Fund?

The fund can be suitable for investors with the following profile:

Ideal for:

- Long-term investors with 5+ years investment horizon

- Those seeking exposure to India's consumption growth story

- Investors comfortable with high-risk equity investments

- Portfolio diversification into thematic investing

Investment Considerations:

- Performance Track Record: Returns since inception 10.33%p.a as of August 25, 2025

- Risk Profile: The UTI India Consumer Fund Direct Growth is rated Very High risk

- AUM Size: AUM (Fund size)₹710.83 Crore as of August 25, 2025

- Expense Ratio: The expense ratio of this fund is 2.44% for regular plan

Key Factors to Consider:

- Fund focuses on consumption theme which can be cyclical

- Manager expertise in equity selection and long-term holding approach

- Well-established fund house with strong research capabilities

- Minimum investment requirements are reasonable for most investors

The fund is suitable for investors who believe in India's long-term consumption story and are willing to accept higher volatility for potentially higher returns.

FAQs

What is today's NAV of UTI India Consumer Fund?

The latest NAV of UTI India Consumer Fund - Regular Plan - Growth Option as of 25-08-2025 is 59.0816. NAV changes daily based on market movements.

What is the AUM of UTI India Consumer Fund?

UTI India Consumer Fund - Regular Plan - Growth Option has achieved Rs 696.36 Crores worth of assets under management (AUM) as of August 25, 2025.

What is the expense ratio of UTI India Consumer Fund?

The expense ratio of this fund is 2.44% for the regular plan. Direct plans typically have lower expense ratios.

What are the returns of UTI India Consumer Fund since inception?

UTI India Consumer Fund Regular Growth has given a CAGR return of 10.33% since inception as of August 25, 2025.

What is the minimum SIP amount to invest in UTI India Consumer Fund?

The minimum investment required to start investing in UTI India Consumer Fund is ₹5,000 for the lump sum option and ₹500 for the SIP (Systematic Investment Plan) option.

How do I invest in UTI India Consumer Fund?

You can invest in UTI India Consumer Fund through Allvest's platform. Simply complete your KYC, choose between SIP or lumpsum investment, and start investing online with easy digital processes.

How to start a SIP in UTI India Consumer Fund?

Log into your Allvest account, search for UTI India Consumer Fund, select SIP option, choose your monthly investment amount (minimum ₹500), set the date and duration, and complete the setup.

How do I automate an SIP in UTI India Consumer Fund?

Once you set up SIP through Allvest, the investment amount will be automatically debited from your linked bank account on the chosen date each month through auto-debit mandate.

How can I withdraw/redeem my investment in UTI India Consumer Fund?

You can redeem your investment through Allvest's platform by logging into your account, selecting the fund, choosing redemption option, and specifying the amount or units to redeem. The proceeds will be credited to your linked bank account.