UTI - Healthcare Fund
This is the Regular plan of UTI - Healthcare Fund — bought through a distributor, whose commission is paid out of its expense ratio. Income is retained in the fund, so it shows up as NAV rather than as a payout.
Performance
Scorecard
★★★★★5/5 vs 142 of 255 Sectoral/ Thematic peers- Performance 60%
- Risk 15%
- Cost 10%
- Downside 15%
How this is computed
Each verdict is computed from this fund's own metrics against its sub-category — the number behind it is shown, not a black-box rating. The stars weight the same ground 60/15/10/15 (performance/risk/cost/downside) across every fund in the peer group. Ranked within Sectoral/ Thematic (same plan and option). 142 of the 255 Sectoral/ Thematic funds in this cohort carry the full record the stars need, so they are the ones ranked against.
3Y CAGR +21.31% · ranks 9 of 142 Sectoral/ Thematic funds
Volatility 13.5% vs 15.6% category avg
2.2% expense vs 2.5% category avg
87% of rolling 3Y windows were positive
Strengths & concerns
Generated from this fund's own numbers against its sub-category — each point names the figure behind it.
Strengths
- Ahead of the Sectoral/ Thematic average on 1M/3M/6M/1Y — 1Y by 13.35pp
- 3-year return (+21.31%) beats the Sectoral/ Thematic average (+12.09%)
- 5-year return (+14.14%) beats the Sectoral/ Thematic average (+11.00%)
- Ranks #24 of 229 on 1-year return in its Sectoral/ Thematic cohort
- Stronger risk-adjusted returns — Sharpe 1.10 vs 0.34 Sectoral/ Thematic average
Concerns
No significant concerns identified.
Key Metrics
Scheme Info
DefinitionsPeriod returns (<1Y, absolute — not annualized)
DefinitionsAnnualized returns (≥1Y — CAGR)
DefinitionsAdvanced metrics — risk and benchmark ratios
Fund vs category average (Sectoral/ Thematic)
| Period | Fund | Category avg. | Diff |
|---|---|---|---|
| 1M abs | -3.30% | -5.15% | +1.85% |
| 3M abs | +2.10% | -2.36% | +4.46% |
| 6M abs | +22.02% | +10.77% | +11.25% |
| 1Y CAGR | +15.55% | +2.20% | +13.35% |
| 3Y CAGR | +21.31% | +12.09% | +9.22% |
| 5Y CAGR | +14.14% | +11.00% | +3.14% |
Category average across peers in Sectoral/ Thematic (254 of 255 carry a figure for at least one period), same plan and option, excluding this fund. Under-1-year figures are absolute; 1Y and beyond are annualised (CAGR).
Not sure what a figure means? The glossary explains every metric, and the methodology shows the formulas.
Category rank
Vs 255 peers in Sectoral/ Thematic
Backtest this fund
What a SIP or one-time investment would have grown to over this fund’s real NAV history.
60 monthly installments of ₹10,000 into UTI - Healthcare Fund, valued at the latest NAV. XIRR annualizes for each installment’s timing.
Calendar-year returns
What the fund actually returned in each year, not the smoothed average.
| Year | Fund | Nifty 500 TRI | Diff | |
|---|---|---|---|---|
| 2026part | +16.90% | -7.18% | +24.08% | |
| 2025 | -3.15% | +7.94% | -11.09% | |
| 2024 | +42.86% | +16.43% | +26.43% | |
| 2023 | +38.20% | +27.43% | +10.77% | |
| 2022 | -12.32% | +4.34% | -16.66% | |
| 2021 | +19.08% | +31.59% | -12.51% | |
| 2020 | +67.36% | +18.33% | +49.03% | |
| 2019 | +1.18% | +8.95% | -7.77% | |
| 2018 | -7.53% | -2.33% | -5.20% | |
| 2017 | +6.20% | +37.35% | -31.15% |
January–December, from this fund's NAV history. Absolute return, not annualised. “part” marks a year the fund didn't run end to end — its first year, the current year so far, or one it stopped reporting in; those years show no benchmark comparison.
Taxation
Taxed as equityThis is an equity-oriented fund (≥65% in Indian equities), so gains get the concessional capital-gains rates below — they do not add to your income-tax slab.
Flat, on the whole gain
On gains above ₹1.25 L per financial year
Applies to capital gains on redemption. Excludes IDCW/dividend tax, STT, surcharge and cess, and pre-2018 equity grandfathering. For research only — consult a tax advisor before filing.
Asset allocation
As on 31 Aug 2026 · AMC disclosure- Equity94.24%
- Cash & Equivalents5.71%
Fund size over time
Quarterly average AUM · AMFIAt or near its largest, ₹1,181Cr in April - June 2026. Size matters most where the mandate is narrow — a large small-cap or a very large flexi-cap book is harder to move without moving the price.
Net flow is an estimate: AMFI publishes a quarterly average AUM, not a closing balance, and it covers every plan and option of this scheme together, so it is a read on direction and rough size rather than a cash-flow statement.
AMC Profile
UTI Mutual Fund descends from the Unit Trust of India, which was effectively the whole Indian mutual fund industry from 1963 until private managers were allowed in. It was carved out as a SEBI-registered fund house in 2003, is listed on the exchanges, and is held by SBI, LIC, Bank of Baroda, PNB and T. Rowe Price rather than a single parent.
Fund Managers
KGKamal GadaStart date not disclosed
Senior Vice President- Equity
B.com, CA, CS, CFA
He is the Vice President - Equity. He completed CA from ICAI and has cleared Level 3 of CFA from CFA Institute, USA. 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 is Fund Manager for UTI Healthcare Fund as well as covers Pharma and Chemicals sector. He has over 16 years of experience in Equity Research. May 2025
Fund manager, benchmark and dealing terms from this scheme's SEBI-filed Scheme Information Document on AMFI. Each manager's qualifications and role are reconciled across every filing this fund house makes for them, including its Statement of Additional Information. Total AUM via AMFI.
Explore from here
UTI in the news
Headlines about the fund house, not this scheme in particular — highlights only; tap through to read the full story at the source.
UTI Short Term Fund Regular Plan Growth Option
ClearTax · 1d ago
Gold, Silver ETFS Crash 9% In Week, Erases Most of 2026 Gains: Tata, Nippon, HDFC, etc | Time To Invest?
Goodreturns · 1d ago
UTI Mutual Fund files offer document for Nifty Healthcare Exchange Traded Fund
Investment Guru India · 10d ago
SBI Mutual Fund IPO: SEBI approves Rs 13,000 crore offer-for-sale listing plan
Goodreturns · 11d ago
PI Industries to meet UTI Mutual Fund, analysts on September 23
scanx.trade · 17d ago
Passive debt funds double market share in debt MF assets; UTI, Nippon, Edelweiss MF lead the shift
Cafemutual · 20d ago
UTI Mutual Fund, Multipl launch Investment UPI for everyday payments
MediaBrief · 22d ago
UTI Mutual Fund files offer document for Nifty Smallcap 250 Index Fund
Investment Guru India · 04 Sep 2026
Returns and risk are computed from NAV history and may differ slightly from other portals due to methodology (rolling vs point-to-point, dividend treatment). For research only — not investment advice.
About Sectoral & Thematic funds
Sectoral and thematic funds must keep at least 80% in the equity of one sector (banking, pharma, technology) or one theme (consumption, manufacturing, ESG). That concentration is the point and the risk: with no mandate to diversify away from the sector, the fund rises and falls with it.
Frequently asked questions
What is the NAV of UTI - Healthcare Fund?
As of 01 Oct 2026, the NAV of UTI - Healthcare Fund is ₹331.96 per unit. NAV (net asset value) is the fund's per-unit price, published once each business day.
What returns has UTI - Healthcare Fund delivered?
UTI - Healthcare Fund has returned +15.55% over 1 year, +21.31% per year over 3 years, +14.14% per year over 5 years and +13.61% per year since inception. Figures beyond one year are annualised (CAGR) and are computed from AMFI NAV history, so they may differ slightly from other portals.
What is the expense ratio of UTI - Healthcare Fund?
UTI - Healthcare Fund charges an expense ratio of 2.22% per year. This annual fee is already deducted from the NAV, so the returns you see are net of it.
What are the top holdings of UTI - Healthcare Fund?
UTI - Healthcare Fund's largest holdings are SUN PHARMACEUTICALS INDUSTRIES (8.3%), DIVIS LABORATORIES LTD. (6.2%), AJANTA PHARMA LTD. (4.7%), GLAND PHARMA LTD. (3.7%) and DR REDDYS LABORATORIES LTD. (3.6%). Holdings are disclosed monthly and change over time.
How risky is UTI - Healthcare Fund?
UTI - Healthcare Fund is rated very high on SEBI's risk-o-meter, its trailing-3Y volatility (annualised) is 13.5% and its worst peak-to-trough fall in our sample was -33.9%. Higher volatility means the NAV swings more; the drawdown shows how far it has fallen from a peak historically.
What does the Sharpe ratio of 1.10 mean?
The Sharpe ratio is return earned per unit of total risk, above a 6.5% risk-free rate. UTI - Healthcare Fund's 1.10 means it has rewarded its volatility with excess return. Higher is better.
What is the benchmark of UTI - Healthcare Fund?
UTI - Healthcare Fund is benchmarked against the BSE Healthcare TRI. Its alpha and beta on this page are measured against that index.
Who manages UTI - Healthcare Fund?
UTI - Healthcare Fund is managed by Kamal Gada at UTI.
How is UTI - Healthcare Fund taxed?
UTI - Healthcare Fund is an equity-oriented fund, so its capital gains get concessional rates: short-term gains (units held under 1 year) are taxed at 20%, and long-term gains (held 1 year or more) at 12.5% above a ₹1.25 lakh per-year exemption. These rates apply on redemption and don't add to your income-tax slab.