Best UTI Equity Mutual Funds - Guide 2025
One of the most popular investments in India is equity mutual funds, and UTI mutual fund with the long-time presence and good track record has some of the best schemes under this category. Among the best UTI equity mutual funds that investors choose to research the most effective funds to diversify their portfolios and accumulate wealth in the long-term are the funds that have a good track record of performance, strong management, and a wide range of choices in the market caps and market areas. This is the ultimate article that allows you to investigate the best performing UTI equity funds in 2025, compare features, and pick the appropriate ones according to your financial ambitions.
Why are UTI Equity Mutual Funds so popular in India?
UTI equity funds have attracted a host of Indian investors because of their long history of consistency, seasoned fund managers and wide fund options that can suit a range of risk profiles. UTI Mutual Fund is currently among the oldest asset management companies in India, which have acclimatized themselves to the emerging trends in investments and have concentrated on large cap, mid cap and theme funds.
The main features of the UTI equity funds:
- Extensive selection in equity diversified funds, sector, and hybrid funds.
- Disciplined and data-driven fund managers.
- Open disclosure and risk management.
- Availability through online channels and offline intermediaries.
People also ask:
UTI Mutual Funds are long term investments with good prospects?
UTI equity funds will be quite appropriate when it comes to long term investments such as retirement or education of a child because this is a long term investment that seeks to leverage the growth potential of the equity markets over a long period.
What UTI Equity Funds do you consider the best in 2025?
Investors normally consider returns of 3-5 years, volatility of the fund, expense rates, and experience of fund managers to select the best UTI equity mutual funds in 2025.
Here are the notable schemes:
UTI Flexi Cap Fund
Key Features or Highlights
- Invests in large, mid and small-cap stocks to achieve flexibility.
- Run by an experienced fund manager, Mr. Vetri Subramaniam.
- Always beat benchmark Nifty 500 TRI on a 5 year basis.
Pros
- Flexible in the dynamic market conditions.
- Fits moderate and aggressive risk taker.
Cons
- Increased distributions to mid and small cap will raise volatility in times of market correction.
UTI Nifty 50 Index Fund
Key Features or Highlights
- Passive index tracking Nifty 50 index.
- Periodically wins as one of the best index funds to monitor efficiency.
- Low cost factor, which fits low cost investors.
Pros
- Lower cost, simple strategy
- Reduced fund manager bias.
Cons
- Strictly index-based returns that lack any possibility of outperformance.
UTI Mid Cap Fund
Key Features or Highlights
- Majorly invests in mid cap firms that have high growth potential.
- Provided above-average returns between 2021-2024.
- Emphasis on well-managed risk and quality of the portfolio stocks.
Pros
- High alpha in case of rapid growth of the Indian economy.
- It is managed by a powerful research team.
Cons
- More unstable in-case of a market crash.
- Could be inappropriate to conservative investors.
Did you know? Most Indian mutual fund investors continue to ignore index funds such as UTI Nifty 50 Index Fund due to their belief in actively managed funds, whereas the global research on the same has revealed that index fund tends to perform better than actively managed funds in the long run to the average investor.
What has been the performance of best UTI Equity - Mutual funds? Table of Comparison of Performance.
Performance is a very important variable in the selection of the best UTI equity funds. Annualised returns (based on the performance at the end of March 2025) are presented in the table below (past performance does not necessarily predict the future but gives a sense of direction).
| Name Scheme | 1-Year return (percent) | 3-year return (percent) | 5-year return (percent) | Expense Ratio (percent) |
|---|---|---|---|---|
| UTI Flexi Cap Fund | 28.4 | 19.1 | 17.8 | 1.09 |
| UTI Nifty 50 Index Fund | 25.2 | 17.4 | 15.2 | 0.21 |
| UTI Mid Cap Fund | 31.5 | 23.8 | 20.6 | 1.18 |
| UTI Mastershare Unit Fund | 22.6 | 15.0 | 13.5 | 1.05 |
The information is founded on regular plan, growth option.
What Are the Unique Characteristics of the other UTI Equity Funds?
Other exceptionally rated equity mutual funds of UTI Mutual fund, besides the top three include:
- UTI Mastershare Unit Fund: It is one of the oldest and large cap-related mutual funds that have been known to be stable and well managed.
- UTI Value Opportunities Fund: It invests in lowly-priced stocks, which have a potential of increasing over the long term.
- UTI Small Cap Fund, it is appropriate to aggressive investors who want to create wealth with the help of high-growth small companies.
UTI Mastershare Unit Fund: Can It Be the Best Choice of Conservative Investors?
Highlights
- Majority of large cap, less volatile compared to mid/ small cap funds.
- Managing experienced fund managers.
- Bull and bear market performance.
Pros
- Appropriate to those investors who like stability.
- Constant payments of dividends (quarterly or annual)
Cons
- Performance may not do well in volatile bull markets.
UTI Value Opportunities Fund: Why Value Investing?
Highlights
- Leads value investing, whereby one discovers under-priced yet good stocks.
- Prospects of steep returns in economic recoveries.
Pros
- Long-term patient, long-term investor Good.
- Expansion into new industries and the patterns of growth.
Cons
- May performs poorly when growth strategy is prevalent in long bull runs.
Expert opinion The value investing approach has a longer time horizon since, over years a value fund manager often indicates that undervalued stocks need a longer time to achieve their full value in the market.
Which Factors Do Investors need Before selecting a UTI Equity Fund?
When choosing the appropriate mutual fund to meet your financial objectives, it is not just the returns that seem to be important.
Important factors:
- Investment horizon Investments The minimum length of investment in equity funds is 5-7 years.
- Risk appetite: Use match fund to your capacity to bear fluctuations in the market.
- Expense ratio: Low expense indicates that you can spend less, and it will be invested.
- Fund manager track record: Excellence and stability count.
- Portfolio overlap: Do not overweight the same stocks in funds.
People also ask:
What is the way to invest in UTI equity mutual funds online?
The investors may go to the official UTI mutual fund site or visit the third-party application such as Groww or Paytm Money or go to their banks or brokers and invest either through lump sum or monthly SIP.
Which UTI Equity Fund Is Best to SIP in 2025?
Diversification and balance expense ratio are factors that should be of interest in case an individual would like to embark on a systematic investment strategy.
Top UTI Equity Funds for SIP:
- UTI Flexi Cap Fund
- UTI Nifty 50 Index Fund
- UTI Mid Cap Fund
Why SIP works:
- Averages expenditures on purchase units.
- Minimizes exposure of the market risks.
- It is suitable to salaried employees and first-time investors.
Did you know?
In 2024, UTI Mutual Fund registered a 22 percent increase in the active SIP accounts per year, which indicates an increase in trust in long-term wealth creation through consistency in equity investments.
What are the strengths and weaknesses of UTI Equity Funds?
Advantages
- Availability of effective fund management and research capabilities.
- Large selection of funds that are suitable to various investment profiles.
- Simple internet connectivity, full investor services.
Limitations
- Capital risk, i.e. market-linked (not fixed returns).
- Short-term underperformance of some funds can be observed based on the market cycles.
- Transactions cost can be supplemented by portfolio churn.
People also ask:
What tax advantages may be enjoyed on investment in equity mutual funds?
Long term capital gains tax is 10 percent (over 1 lakh gains) on investments in equity mutual funds that have a holding period of one year or more and 15 percent on short term gains (less than 1 year).
Comparison of UTI Equity Funds and other AMCs?
| Characteristics | UTI Mutual Fund | Axis Mutual Fund | SBI Mutual Fund |
|---|---|---|---|
| Year Established | 1963 | 2009 | 1987 |
| Equity Funds Range | Wide, all caps | Focused, primarily flexi | Wide, largest in India. |
| Expense Ratio (Median) | 1.09 | 1.04 | 1.12 |
| Research Strength | Deep legacy, strong team | Data-driven | Extensive, large force. |
| Digital/Online Access | Yes | Yes | Yes. |
Expert insight:
The advantage of UTI mutual fund is the experience of its stewardship and after a certain period, the investors should look at the new entrants who can introduce innovativeness, or reduce the cost.
How Do I Begin to Invest in UTI Equity Funds in 2025?
- State your investment objectives and time.
- Full KYC procedure comprising of PAN, Aadhaar and address verification.
- Choose your favorite UTI equity fund.
- Choose between lump sum/SIP.
- Invest through agents offline or online through UTI AMC and third-party fintech platforms.
- Track the performance of the funds relative to the objectives.
Quick Recap
UTI Flexi Cap Fund, UTI Nifty 50 Index Fund and UTI Mid Cap Fund are ranked first in the list of 2025 by potential of returns, and management of risk and suitability to SIP.
The investor needs to match fund selection to investment horizon and risk-taking.
SIP in equity mutual funds is best done over a long period to generate wealth and overcome the short-term volatility.
UTI Mutual Fund is unique because of its experience, convenience in the digital form, and various options, though its investors must always compare it to other AMCs.
People also ask
Q1. What is the best UTI equity fund to purchase in 2025 to save tax?
UTI has no special ELSS (tax saving) fund amongst its highest-ranking equity funds, however, investors seeking the benefits of Section 80C can inquire about UTI Long Term Equity Fund (where reintroduced or other AMCs).
Q2. How much money is required to become a minimum investor in UTI equity funds?
Minimum SIP will be typically 500, and lump sum may begin at 5000 in most equity schemes in 2025.
Q3. UTI equity funds: Are they suitable to first-time investors?
Yes, more so index-oriented and large cap funds such as UTI Nifty 50 Index Fund, which are less volatile and easy to comprehend by the novice investors.
Q4. What should be the frequency of reviewing my UTI mutual funds holdings?
Once a year or once your financial objectives are shifted to keep your portfolio on course.
Sources
- UTI Mutual Fund Authority Web site.
- Indian Association of Mutual Funds (AMFI).
- Morningstar India Fund Ratings.
