Investment Objective and Approach

The primary goal of the UTI Small Cap Fund is to generate long-term capital appreciation. This is to be achieved by predominantly investing in equity and equity-related securities of small-cap companies. The scheme aims to generate long-term capital appreciation by investing predominantly in equity and equity-related securities of small-cap companies.

The fund follows a systematic investment approach:

- The fund would follow a bottom-up approach for stock picking following a value investment style, and it is an open-ended equity scheme predominantly investing in small-cap stocks.

- Pursue a bottom-up stock selection approach to pick businesses with healthy financials and potential for the sustenance of margins over some time

- The fund is well-diversified and aims to exploit the potential growth opportunities of small-cap and select mid-cap companies.

- As small-cap companies often receive limited coverage from sell-side analysts, this fund leverages UTI's expansive analysis of the small-cap universe to capitalise on potential opportunities. In addition to a robust investment process, the fund maintains stringent risk management practices. It upholds a well-diversified portfolio and embodies a patient approach towards the companies it invests in.

Key portfolio characteristics:

- The portfolio holds significant exposure in small-cap stocks at 77%, and significant sectoral exposure is to Capital Goods, which accounts for 17.10% of the portfolio.

- While the fund's portfolio doesn't contain any large-cap names, it may include mid-cap companies evolving into large-cap status.

Fund Managers

Kamal Gada is the Current Fund Manager of UTI Small Cap Fund Direct Growth fund. This scheme was launched on Invalid date and is currently managed by its fund managers Nitin Jain and Ankit Agarwal.

Kamal Gada - Lead Fund Manager

Mr. Kamal Gada is Senior Associate Vice President. He is a CFA Charter holder from CFA Institute. He has completed CA from ICAI. He graduated in Bachelor of Commerce in 2003 from Mumbai University. He began his career with BPCL as Senior Accounts Officer in 2004. Kamal joined UTI AMC in 2008 as Research Analyst. Presently he has been designated as Fund Manager for Overseas Investments. He has over 12 years of experience in Equity Research.

The fund is also co-managed by experienced professionals Nitin Jain and Ankit Agarwal, bringing additional expertise in equity research and portfolio management.

About the Fund House (AMC)

UTI Asset Management Company (UTI AMC) is one of India's leading asset management companies. It manages mutual funds, portfolio management services, and retirement solutions for individual and institutional investors. UTI Mutual Fund was launched by the Government of India in 1963, and it is one of the oldest mutual fund companies in India.

Historical Legacy

The Unit Trust of India (UTI), first mutual fund in India, was set up by an Act of Parliament in 1963. In 1964, UTI launched its first investment scheme Unit Scheme-1964 initially RBI had the regulatory and administrative control. UTI had the monopoly of the mutual fund industry till 1987 when the Government of India permitted public sector banks and financial institutions to sponsor mutual funds.

Current Operations

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

- As of March 31, 2024, UTI AMC serves as the investment manager for UTI Mutual Fund schemes, managing an AUM of ?2.85 lakh crore.

- UTI Mutual Fund has a nationwide reach through its distribution channels. It currently operates more than 190 branches across the country.

Ownership Structure

4 of the largest PSU banks now back this Mutual Fund. All UTI Mutual Funds are managed by the UTI Asset Management Company Ltd. 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, which are lowly correlated.

Should I Invest in UTI Small Cap Fund?

Suitability Profile

This fund is suitable for investors who:

- Investors looking for investment in a portfolio that invests predominantly in small-sized companies. · Investors with a high risk-taking ability and seeking to benefit from the potential high growth opportunity from a portfolio predominantly investing in small caps.

- The UTI Small Cap Fund Direct-Growth might be a suitable investment choice for those investors who are willing to stay invested for a long term seeking very high returns.

Investment Considerations

- The UTI Small Cap Fund was launched on Dec 02 2020. The fund has delivered a CAGR of 24.83 since inception.

- It has an AUM of ₹4,780.24 Crores and the latest NAV decalared is ₹27.637 as on 27 Aug 2025 at 7:06 pm. UTI Small Cap Fund Direct - Growth scheme return performance in last 1 year is -0.74%, in last 3 years is 74.29% and 176.48% since scheme launch.

Key Investment Features

- Minimum Investment: The minimum SIP for UTI Small Cap Fund is ₹500. and Minimum Lumpsum Investment is ₹5,000.

- Exit Load: Exit load of 1% if redeemed within one year.

- Expense Ratio: The expense ratio of UTI Small Cap Fund is 0.65%

Performance Perspective

The fund has outperformed the benchmark (Nifty Smallcap 250) over 1Y, but underperformed over 3Y, 5Y. So, investors should remain invested for a longer investment horizon to see the fund outperforming the benchmark. Hence, investors willing to take exposure to small-cap companies having strong growth potential can consider this fund with a long-term time horizon to see the fund outperforming the benchmark and witness the alpha generation.

FAQs

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

The current NAV varies daily based on market movements. You can check the latest NAV on Allvest's platform or the fund's official website for real-time updates.

What is the AUM of UTI Small Cap Fund?

The AUM of UTI Small Cap Fund, is ₹4780.24 crore. as per the latest available data from August 2025.

What is the expense ratio of UTI Small Cap Fund?

The expense ratio of UTI Small Cap Fund is 0.65% for the direct plan, which represents the annual fee charged for fund management.

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

The fund has delivered a CAGR of 24.83 since inception. The fund was launched in December 2020, providing strong returns over its operational period.

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

The minimum SIP for UTI Small Cap Fund is ₹500. This makes it accessible for systematic investment planning.

How do I invest in UTI Small Cap Fund?

You can invest in UTI Small Cap Fund through Allvest's platform by completing your KYC, selecting the fund, choosing between SIP or lump sum, and making the investment online.

How to start a SIP in UTI Small Cap Fund?

Start a SIP through Allvest by logging in, selecting UTI Small Cap Fund, choosing SIP option, setting the amount (minimum ₹500), selecting the date, and setting up auto-debit instructions.

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

Set up auto-debit through bank mandate or UPI on Allvest's platform. Once configured, the SIP amount will be automatically deducted on your chosen date every month.

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

You can redeem your investment through Allvest's platform by submitting a redemption request. Exit load of 1% if redeemed within one year. applies for early withdrawals.