Investment Objective and Approach

The core investment objective of UTI Master Share Growth Direct is to cultivate long-term capital appreciation. This objective is achieved through a predominant allocation to equity and equity-related securities of large-cap companies. UTI Mastershare Fund - Regular Plan is mandated to invest at least 80 per cent of its assets in large-cap stocks at all times.

The fund follows a systematic investment approach:

- The scheme is designed to follow the Growth at Reasonable Price (GARP) investment style.

- The fund's methodology involves a top-down assessment of sector weights followed by a meticulous bottom-up process for selecting individual stocks.

- By doing so, the fund cultivates a diversified portfolio while evading sector and stock concentration.

- This fund's holdings are mostly in Large Cap stocks and in debt instruments, which means it's following a conservative investment strategy.

The fund focuses on leading businesses with substantial market capitalization and aims to generate consistent long-term returns through careful stock selection and portfolio diversification.

Fund Managers

Current Fund Manager: Swati Kulkarni is the Current Fund Manager of UTI Large Cap Fund Direct Growth fund.

Previous Fund Manager: Karthikraj Lakshmanan, 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. Karthikraj Lakshmanan cleared CFA Level III and is a Chartered Accountant. He worked at Baroda BNP Paribas Mutual Fund, ICICI Prudential Mutual Fund, Goldman Sachs Services Pvt. Ltd and ICICI Bank before joining UTI Mutual Fund.

The fund management team brings extensive experience in equity research and portfolio management, with a track record of managing large-cap investments across various market cycles.

About the Fund House (AMC)

UTI Asset Management Company Limited has a rich heritage in the Indian mutual fund industry. UTI Mutual Fund was launched after carving out the former Unit Trust of India by repealing the Unit Trust of India Act 1963. UTI was subsequently bifurcated into UTI Mutual Fund and SUUTI. It was registered with SEBI or the Securities and Exchange Board of India on 01 February 2003.

Key Facts about UTI AMC:

- 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.

- 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.

- Its investors number nearly 11 million and there are over 250 plans currently operational with a total AuM of nearly Rs 238790 Crores.

- UTI Asset Management Co Ltd manages assets worth ₹ 3,41,706.56 crores. It's current offering of mutual fund schemes includes 33 equity, 37 debt and 7 hybrid schemes.

One of the most popular and long-running Mutual Fund schemes is the UTI Mastershare, which was launched by the then-extant UTI in 1986. The UTI Mutual Fund persists as a pioneer in the industry in the domestic sector. It was the first to offer a Unit Linked Insurance Plan or ULIP in 1971 with added life and accident cover.

Should I Invest in UTI Large Cap Fund?

UTI Large Cap Fund can be suitable for investors seeking:

Positives:

- Long Track Record: One of the most popular and long-running Mutual Fund schemes is the UTI Mastershare, which was launched by the then-extant UTI in 1986.

- Experienced Management: The fund is managed by experienced professionals with strong backgrounds in equity research and portfolio management

- Conservative Approach: This fund's holdings are mostly in Large Cap stocks and in debt instruments, which means it's following a conservative investment strategy.

- Established AMC: Backed by prominent Indian financial institutions with decades of experience in fund management

- GARP Strategy: Focus on growth at reasonable prices helps in risk-adjusted returns

- Diversified Portfolio: Systematic approach to avoid concentration risks

Considerations:

- Large-cap funds typically offer steady but moderate returns compared to mid-cap or small-cap funds

- Performance may be impacted during periods when large-cap stocks underperform

- The risk level of UTI Mastershare Unit Regular Plan Growth is Very High.

Ideal For:

- Conservative equity investors seeking exposure to established companies

- Long-term investors with 5+ year investment horizon

- First-time equity investors looking for a stable large-cap option

- Those seeking consistent performance over aggressive growth

FAQs

What is today's NAV of UTI Large Cap Fund?

The current NAV of UTI Large Cap Fund is ₹296.09, as of 5th August 2025. NAVs are updated daily after market hours and can be checked on the AMC website or investment platforms like Allvest.

What is the AUM of UTI Large Cap Fund?

The AUM (i.e. assets under management) of UTI Large Cap Fund is ₹12720.05 Cr as of 5th August 2025. This represents the total value of assets managed by the fund.

What is the expense ratio of UTI Large Cap Fund?

The expense ratio of UTI Large Cap Fund Plan is 0.91 as of 5th August 2025. This is the annual fee charged for fund management and is relatively competitive in the large-cap category.

What are the returns of UTI Large Cap Fund since inception?

It has delivered 17.17% returns since inception. The fund has provided consistent long-term wealth creation since its launch in 1986.

What is the minimum SIP amount to invest in UTI Large Cap Fund?

Minimum SIP Investment is set to ₹100. This makes the fund accessible for investors with different budget constraints.

How do I invest in UTI Large Cap Fund?

You can invest through Allvest platform, UTI AMC website, or authorized distributors. Complete your KYC, select the fund, choose investment amount and mode (SIP/lumpsum), and make payment through various available options.

How to start a SIP in UTI Large Cap Fund?

Register on Allvest, complete KYC verification, search for UTI Large Cap Fund, select SIP option, choose monthly amount and tenure, set up auto-debit, and confirm your investment.

How do I automate an SIP in UTI Large Cap Fund?

Set up auto-debit from your bank account through Allvest platform. You can enable auto-debit via net banking, debit card, or by submitting a physical mandate form to ensure seamless monthly investments.

How can I withdraw/redeem my investment in UTI Large Cap Fund?

Redeeming your investments in UTI - Master Share-Growth Option is super easy. • If you have invested this fund via MySIPonline, just log into the app, go to the investment section, and place your redemption request. You can redeem through Allvest platform or AMC website with processing typically taking 1-3 business days.