📊 Index/ETF Fund · Deep Analysis

UTI Nifty 50 Index FundOption

UTI Mutual Fund · Direct Growth · SEBI Category: Index/ETF

Current NAV ₹163.9477 (+0.05% today) As of 04 Jun 2026
1 Year Return -4.2%
3 Year CAGR +9.2% p.a.
5 Year CAGR +9.6% p.a.
AAUM ₹26.0K Cr Jan–Mar 2026
All data from RightAdvise DB — calculated from 2,566 daily NAV records
Fund Overview

UTI Nifty 50 Index FundOption — Quick Summary

UTI Nifty 50 Index Fund is one of India's oldest and most established index funds with a track record spanning over 25 years. UTI Mutual Fund — one of India's earliest fund houses established in 1963 — has deep experience in passive fund management and has been a pioneer in bringing index investing to Indian retail investors. The fund mechanically replicates the Nifty 50 index by holding all 50 stocks in the same proportion as the index.

With one of the largest AUMs among Nifty 50 index funds, UTI Nifty 50 has consistently maintained low tracking error — the key measure of how well an index fund replicates its benchmark. The fund's scale allows efficient execution with minimal market impact when rebalancing. It is one of the most frequently recommended first equity investments for new investors in India.

Fund House
UTI Mutual Fund
SEBI Category
Index/ETF
Benchmark
NIFTY 50 TRI
Fund Manager
Sharwan Kumar Goyal
AMFI Code
120716
Risk Level
Very High
NAV Records in DB
2,566 days
Quarterly Average AUM · Jan–Mar 2026
₹26.0K Cr
↑ Increased by 1.3% vs Oct–Dec 2025 · ₹25.7K Cr
Official quarterly average AUM from AMFI disclosure. Published every 3 months.
📊
✓ Suitable For
Ideal for first-time equity investors, cost-conscious investors who want to minimise fees, investors who prefer passive rules-based investing over active management, and those building a long-term core equity portfolio. Suitable for 5+ year investment horizons.
UTI Nifty 50 Index Fund offers 25+ years of passive investment track record, consistently low tracking error, very low expense ratio (typically 0.1 to 0.2% for direct plan), no exit load, and the backing of one of India's oldest and most trusted fund houses.
✗ Not Suitable For
Investors seeking to beat the market — index funds are designed to match the benchmark, not outperform it. Those wanting exposure beyond large caps — the Nifty 50 covers only India's 50 largest companies. Investors expecting the fund manager to protect capital in bear markets — index funds fall with the index.
Who Runs This Fund

Fund Manager

SK
Sharwan Kumar Goyal
UTI Mutual Fund · Managing since 2010

Sharwan Kumar Goyal is Head of Passive, Arbitrage and Quant Strategies at UTI Mutual Fund and manages the UTI Nifty 50 Index Fund. In index fund management, the fund manager's primary role is minimising tracking error — ensuring the fund's returns stay as close to the Nifty 50 TRI as possible through efficient replication and minimal cash drag.

For current co-manager details and full biography, refer to the latest UTI Mutual Fund factsheet on AMFI or the AMC website.

What to Factor In

Things to Consider

Informational points to help you form your own view — not judgements or recommendations.

AMFI Code · Informational
AMFI Scheme Code: 120716
The official AMFI scheme code for UTI Nifty 50 Index FundOption Direct Growth is 120716. Use this when transacting on platforms or verifying data across databases.
Important Note
Points Worth Knowing
UTI Nifty 50 Index Fund is one of India's oldest Nifty 50 index funds with a long track record of low tracking error. The fund's expense ratio is a key differentiator in the index fund category — even a 0.1% difference in expense ratio compounds significantly over 10-20 years. Always compare the expense ratio against competing Nifty 50 index funds before investing.
Investment Objective
As per Scheme Information Document
The investment objective of the scheme is to invest in securities covered by the Nifty 50 Index and to endeavour to achieve returns equivalent to the Total Returns Index of Nifty 50 Index by passive investment.
All Data Below — From RightAdvise Database
Category Comparison

Top 5 Index Funds Compared

Live data. Current fund highlighted. Click any fund name for full analysis.

FundNAVAAUM1Y Return 3Y CAGR 5Y CAGR Sharpe (3Y)
UTI Nifty 50 Index Fund ▲ ₹163.95 ₹26.0K Cr Jan–Mar 2026 -4.2% +9.2% p.a. +9.6% p.a. 0.29
Nippon India Index Fund Nifty 50 ₹43.01 ₹3.1K Cr Jan–Mar 2026 -4.1% +9.2% p.a. +9.6% p.a. 0.29
SBI Nifty Index Fund ₹217.88 ₹11.6K Cr Jan–Mar 2026 -4.2% +9.1% p.a. +9.5% p.a. 0.26
Kotak Nifty 50 Index Fund ₹15.48 ₹1.0K Cr Jan–Mar 2026 -4.1% +9.1% p.a. 0.28
Aditya Birla Sun Life Nifty 50 Index Fund ₹243.31 ₹1.2K Cr Jan–Mar 2026 -4.2% +9.2% p.a. +9.5% p.a. 0.29
Best value in each column shown in green. AAUM from latest AMFI quarterly filing. Returns calculated from daily NAV history.
Performance

Fund Returns

Calculated from 2,566 daily NAV records in RightAdvise DB. Last calculated: Jun 2026.

1M / 3M / 6M / 1Y — simple point-to-point return  ·  3Y / 5Y / 10Y — CAGR (compounded annual growth rate)

1 MonthPoint-to-point
-2.0%
3 MonthPoint-to-point
-5.4%
6 MonthPoint-to-point
-9.6%
1 YearPoint-to-point
-4.2%
3 YearCAGR
+9.2% p.a.
5 YearCAGR
+9.6% p.a.
10 YearCAGR
+12.1% p.a.
₹1 Lakh → 5YLump sum growth
₹155,698

Best & Worst Periods Ever

Based on all rolling windows in full NAV history. Dates show the start and end of each period.

Best 1Y WindowSimple return
+92.0%
Mar 2020 – Mar 2021
Worst 1Y WindowSimple return
-31.2%
Mar 2019 – Mar 2020
Best 3Y CAGRCAGR p.a.
+34.0% p.a.
Mar 2020 – Apr 2023
Worst 3Y CAGRCAGR p.a.
-4.2% p.a.
Feb 2017 – Mar 2020

Calendar Year Returns

Jan 1 to Dec 31 each year. Simple point-to-point — not CAGR.

2025
+11.7%
2024
+9.8%
2023
+21.0%
2022
+5.4%
2021
+25.3%
2020
+15.6%
2019
+13.3%
2018
+4.3%
2017
+29.8%
Consistency Analysis

Rolling Returns ℹ️ What is this?

Rolling returns show performance across every possible investment start date — not one cherry-picked number. Learn more →

1Y Rolling Avg
15.2%
Positive in 90% of windows
Best: 92.0% · Worst: -31.2%
3Y Rolling Avg
14.5% p.a.
Positive in 99% of windows
Best: 34.0% · Worst: -4.2%
5Y Rolling Avg
15.5% p.a.
Positive in 100% of windows
Best: 27.4% · Worst: 8.9%
1-Year Rolling Returns Each bar = 1Y return starting from that date
Risk Analysis

Maximum Drawdown ℹ️ What is this?

How much the fund fell from its peak NAV — what investors actually experience during crashes. Calculated from full NAV history.

Max Drawdown Ever
-38.4%
Jan 2020 → Mar 2020
Recovered: Nov 2020 (11 mos)
Current from Peak
-10.6%
All-time Peak: ₹183.94
Peak date: Jan 2026

How the fund behaved in key crisis periods

Calculated from actual NAV data. "Pre-inception" means the fund didn't exist during that period.

2024–25 Tariff / Correction
-15.4%
Sep 27, 2024 – Apr 7, 2025
Recovered: Oct 2025 (11 mos)
COVID-19 Crash
-37.2%
Feb 19 – Mar 23, 2020
Recovered: Nov 2020 (11 mos)
2022 Rate Hike Cycle
-15.9%
Jan 17 – Jun 17, 2022
Recovered: Nov 2022 (7 mos)
2018 IL&FS Crisis
-14.4%
Aug 28 – Oct 26, 2018
Recovered: Apr 2019 (8 mos)
Risk Metrics

Risk Ratios

Calculated from 3 years of daily NAV — industry standard. Risk-free rate: 6.5% p.a. Last updated: Jun 2026. What do these mean? →

Sharpe Ratio (3Y)
0.29
Return per unit of total risk. >1 is good. Learn more →
Sortino Ratio (3Y)
0.41
Like Sharpe but only penalises downside volatility. Learn more →
Std Deviation (3Y)
12.9%
Annualised monthly volatility. Lower = more consistent returns. Learn more →
📊
Want to see what UTI Nifty 50 Index FundOption is actually holding?

Our portfolio holdings page shows every stock the fund owns, sector allocation, and month-over-month changes — from official AMC disclosures.

Full current portfolio — all stocks, weights, sectors
New entries and exits over the last 3 months
Sector allocation and month-over-month changes
Updated monthly from official AMC disclosures
See Portfolio Holdings →
← Compare all Index/ETF Funds

See how UTI Nifty 50 Index FundOption ranks against other Index/ETF funds on returns, drawdown, Sharpe ratio and AAUM — side by side.

Learn the Metrics
📖 Deep Dive
CAGR, Sharpe, Sortino & Std Dev
What these numbers mean and how to use them
📖 Deep Dive
Drawdown & Rolling Returns
Why these reveal more than any CAGR figure
⚠️ RightAdvise.com is NOT registered with SEBI. All content is for educational purposes only. Mutual Fund investments are subject to market risks. Please read all scheme-related documents carefully and consult a SEBI-registered advisor before investing.
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⚠️ RightAdvise.com is NOT registered with SEBI. All content is for educational purposes only. Mutual Fund investments are subject to market risks. Please read all scheme-related documents carefully and consult a SEBI-registered advisor before investing.