{"id":12698,"date":"2025-05-27T09:31:39","date_gmt":"2025-05-27T09:31:39","guid":{"rendered":"https:\/\/shoonya.com\/blog\/?p=12698"},"modified":"2025-05-27T09:31:40","modified_gmt":"2025-05-27T09:31:40","slug":"uti-small-cap-fund-direct-growth","status":"publish","type":"post","link":"https:\/\/shoonya.com\/blog\/uti-small-cap-fund-direct-growth\/","title":{"rendered":"UTI SmallCap Fund Direct-Growth: Key Insights, Returns, Risks, and More"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_87 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\"><p class=\"ez-toc-title\" style=\"cursor:inherit\"><\/p>\n<\/div><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/shoonya.com\/blog\/uti-small-cap-fund-direct-growth\/#UTI_SmallCap_Fund_Direct-Growth_Fund_Management_and_Objectives\" >UTI SmallCap Fund Direct-Growth Fund Management and Objectives<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/shoonya.com\/blog\/uti-small-cap-fund-direct-growth\/#How_Does_the_UTI_SmallCap_Fund_Work\" >How Does the UTI SmallCap Fund Work?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/shoonya.com\/blog\/uti-small-cap-fund-direct-growth\/#Performance_and_Returns_As_of_23_May_2025\" >Performance and Returns (As of 23 May 2025)&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/shoonya.com\/blog\/uti-small-cap-fund-direct-growth\/#Investment_Allocation_As_of_30_April_2025\" >Investment Allocation (As of 30 April 2025)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/shoonya.com\/blog\/uti-small-cap-fund-direct-growth\/#Key_Metrics\" >Key Metrics&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/shoonya.com\/blog\/uti-small-cap-fund-direct-growth\/#Risk_and_Performance_of_the_UTI_SmallCap_Fund\" >Risk and Performance of the UTI SmallCap Fund&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/shoonya.com\/blog\/uti-small-cap-fund-direct-growth\/#Taxation_for_UTI_SmallCap_Fund\" >Taxation for UTI SmallCap Fund&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/shoonya.com\/blog\/uti-small-cap-fund-direct-growth\/#How_to_Invest_in_UTI_SmallCap_Fund_Direct\" >How to Invest in UTI SmallCap Fund Direct?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/shoonya.com\/blog\/uti-small-cap-fund-direct-growth\/#Why_Invest_in_the_UTI_SmallCap_Fund\" >Why Invest in the UTI SmallCap Fund?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/shoonya.com\/blog\/uti-small-cap-fund-direct-growth\/#Suitability_of_this_Fund_Who_Should_Invest\" >Suitability of this Fund| Who Should Invest?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/shoonya.com\/blog\/uti-small-cap-fund-direct-growth\/#Conclusion\" >Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/shoonya.com\/blog\/uti-small-cap-fund-direct-growth\/#UTI_SmallCap_Fund_Direct_Plan-Growth_FAQs\" >UTI SmallCap Fund Direct Plan-Growth| FAQs<\/a><\/li><\/ul><\/nav><\/div>\n<div class=\"yoast-breadcrumbs\"><span><span><a href=\"https:\/\/shoonya.com\/blog\/\">Home<\/a><\/span> \u00bb <span><a href=\"https:\/\/shoonya.com\/blog\/investing\/\">Investing<\/a><\/span> \u00bb <span><a href=\"https:\/\/shoonya.com\/blog\/investing\/mutual-funds\/\">Mutual Funds<\/a><\/span> \u00bb <span class=\"breadcrumb_last\" aria-current=\"page\"><strong>UTI SmallCap Fund Direct-Growth: Key Insights, Returns, Risks, and More<\/strong><\/span><\/span><\/div>\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you are into investments, even new to it, you must have come across the term market capitalization, and smallcap is one such market capitalization category. This is the third and last category of the entire market capitalization which starts from the stocks ranked 251<sup>st<\/sup> and onwards as per market cap. Here in this article, will cover a mutual fund that mostly invest in smallcap and the fund is <strong>Uti SmallCap Fund &#8211; Direct Growth Plan<\/strong>.<strong>&nbsp;<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We will be covering all the intricate details of the fund that you must know if you are interested in investing in small-cap funds. From the fund\u2019s objective to the process of investing in it, everything will be covered in this article.<\/p>\n\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"0-uti-smallcap-fund-direct-growth-fund-management-and-objectives\"><span class=\"ez-toc-section\" id=\"UTI_SmallCap_Fund_Direct-Growth_Fund_Management_and_Objectives\"><\/span><strong>UTI SmallCap <\/strong>Fund Direct-Growth Fund Management and Objectives<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>UTI SmallCap Fund Direct-Growth<\/strong> invests in the equity and equity related instruments of the companies which mainly belongs to the smallcap category. The objective of this fund is to generate wealth over time.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>UTI SmallCap Fund Direct Plan-Growth <\/strong>is managed by \u2013&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Ankit Agarwal: <\/strong>He has<strong> <\/strong>been managing the fund since 2020. Before joining UTI Mutual Fund, he was working with Centrum Capital as the Senior VP, then he was into wealth and investment management at Barclays as Assistant VP. Prior to that, he had worked at esteemed organizations such as Lehman Brothers, BNP Paribas, and others. He holds a Bachelors in Technology in Computer Science and Engineering, and post-graduation in Finance and also did Economics Management Course.&nbsp;&nbsp;<\/li>\n\n\n\n<li><strong>Nitin Jain: <\/strong>He has been managing the fund since 2024. He was associated with SBI Mutual Fund before joining UTI MF. He holds a BE degree and also, he is also an MMS.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><em><a href=\"https:\/\/shoonya.com\/open-an-account\/?utm_source=blog&amp;utm_medium=organic&amp;utm_campaign=cta\" target=\"_blank\" rel=\"noreferrer noopener\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#d79b30\" class=\"has-inline-color\">Excited about investing in the UTI SmallCap Fund? Open a free Demat account today!<\/mark><\/a><\/em><\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"1-how-does-the-uti-smallcap-fund-work\"><span class=\"ez-toc-section\" id=\"How_Does_the_UTI_SmallCap_Fund_Work\"><\/span>How Does the UTI SmallCap Fund Work?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Uti SmallCap Fund Direct <\/strong>works based on market capitalization-based allocation. The fund managers pick the most promising small-cap stocks and invest the funds in them. This fund usually outperforms when the markets are moving upwards, as small-cap companies perform better during the bull run in the market. During sluggish market conditions, small-cap funds tend to offer volatile returns. Thus, investing in the small-cap funds must be done with a long-term perspective.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"2-performance-and-returns-as-of-23-may-2025-\"><span class=\"ez-toc-section\" id=\"Performance_and_Returns_As_of_23_May_2025\"><\/span>Performance and Returns (As of 23 May 2025)&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>UTI SmallCap Fund Direct-Growth <\/strong>is a bit new in the market. Thus, only three years of data are available. Here is the snapshot of the returns generated by the fund during different tenures in these three years &#8211;&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Time Frame<\/strong><\/td><td><strong>UTI SmallCap Fund Direct-Growth (%)<\/strong><\/td><td><strong>Category Average&nbsp;<\/strong><\/td><\/tr><tr><td>6 Month<\/td><td>-2.62<\/td><td>-2.48<\/td><\/tr><tr><td>3 Month<\/td><td>9.39<\/td><td>11.28<\/td><\/tr><tr><td>1 Month<\/td><td>3.58<\/td><td>3.67<\/td><\/tr><tr><td>1 Day<\/td><td>0.07<\/td><td>0.51<\/td><\/tr><tr><td>YTD<\/td><td>-7.15<\/td><td>-6.55<\/td><\/tr><tr><td>1 Year<\/td><td>13.54<\/td><td>6.58<\/td><\/tr><tr><td>3 Year<\/td><td>22.42<\/td><td>24.70<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">From the above performance, nothing concrete can be determined. However, it seems the fund is performing better in the long run.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"3-investment-allocation-as-of-30-april-2025\"><span class=\"ez-toc-section\" id=\"Investment_Allocation_As_of_30_April_2025\"><\/span>Investment Allocation (As of 30 April 2025)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The <strong>UTI SmallCap Fund Growth<\/strong> has 95.53% equity and equity related instruments, while 0.02% is debt instruments, and 4.45% is cash and cash equivalents.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Market cap-wise asset allocation&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Large Cap \u2013 1.12%<\/li>\n\n\n\n<li>Mid-cap \u2013 54.84%<\/li>\n\n\n\n<li>Small-cap \u2013 44.04%<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">As of 30 April 2025, the fund had an average market cap of \u20b913432 crore, and it spans<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">across 87 stocks. The top 10 holdings make up 20.35% of its assets.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sectoral Allocation&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The fund invests across sectors, offering a well-diversified portfolio. Here are the top five sectors as of 30 April 2025 &#8211;&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Sectors&nbsp;<\/strong><\/td><td><strong>Allocation (%)<\/strong><\/td><\/tr><tr><td>Industrials<\/td><td>20.29<\/td><\/tr><tr><td>Financial Services<\/td><td>16.90<\/td><\/tr><tr><td>Materials&nbsp;<\/td><td>15.04<\/td><\/tr><tr><td>Healthcare<\/td><td>13.52<\/td><\/tr><tr><td>Consumer Discretionary<\/td><td>12.88<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Stock-wise Allocation&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The top five stocks of the UTI SmallCap Fund include <strong>\u2013&nbsp;<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Stocks<\/strong><\/td><td><strong>Assets (%)<\/strong><\/td><\/tr><tr><td>MCX<\/td><td>2.99<\/td><\/tr><tr><td>City Union Bank<\/td><td>2.19<\/td><\/tr><tr><td>Navin Fluorine<\/td><td>2.14<\/td><\/tr><tr><td>Karur Vysya Bank<\/td><td>2.14<\/td><\/tr><tr><td>Aster Dm Health<\/td><td>1.93<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"4-key-metrics-\"><span class=\"ez-toc-section\" id=\"Key_Metrics\"><\/span>Key Metrics&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">As of 30 April 2025, the fund had an expense ratio of 0.71%, which is bit higher than the category average of 0.65%.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Fund Details<\/strong><\/td><td><strong>Information<\/strong><\/td><\/tr><tr><td><strong>AUM (Assets Under Management)<\/strong><\/td><td>\u20b94238 Crore as of 30 April 2025<\/td><\/tr><tr><td><strong>Category<\/strong><\/td><td>Equity Fund, open-ended<\/td><\/tr><tr><td><strong>Fund Manager<\/strong><\/td><td>Ankit Agarwal, Nitin Jain<\/td><\/tr><tr><td><strong>Exit Load<\/strong><\/td><td>1% if redeemed within 365 days<\/td><\/tr><tr><td><strong>Entry Load<\/strong><\/td><td>Nil<\/td><\/tr><tr><td><strong>Minimum Investment<\/strong><\/td><td>\u20b95000 (Lump sum)\u20b9500 (SIP)<\/td><\/tr><tr><td><strong>Benchmark<\/strong><\/td><td>Nifty Smallcap 250 TRI<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">The <strong>UTI SmallCap Fund NAV <\/strong>as of<strong> <\/strong>23 May 2025 stood at \u20b926.5465.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"5-risk-and-performance-of-the-uti-smallcap-fund-\"><span class=\"ez-toc-section\" id=\"Risk_and_Performance_of_the_UTI_SmallCap_Fund\"><\/span>Risk and Performance of the UTI SmallCap Fund&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">This fund is classified as a \u2018Very High Risk\u2019 fund. It usually offers a higher return but also possesses higher risk.&nbsp;<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Standard Deviation (Std Dev% %): <\/strong>It shows how much the returns vary from the average returns generated by the funds themselves. The higher this number, the more it fluctuates.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">The Standard deviation for the fund is 17.58%, while that of the category is 17.90%, making the fund little bit less volatile than its peers.<\/p>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li><strong>Beta: <\/strong>This ratio indicates the volatility of the fund\u2019s performance, compared to similar funds in the market. The lower the Beta, the more predictable the returns are, and vice versa. It helps in comparing funds.&nbsp;<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">The fund has 0.84% as beta, while that of the category is 0.86%.<\/p>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li><strong>Sharpe Ratio: <\/strong>This ratio indicates the return you get for the risk you&#8217;re taking. A higher number means better risk-adjusted returns.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">The fund has 0.62% while the category average is 0.71%. It indicates poorer risk-adjusted profits.<\/p>\n\n\n\n<ol start=\"4\" class=\"wp-block-list\">\n<li><strong>Sortino Ratio: <\/strong>It is similar to Sharpe but only looks at downside risk (the risk of losing money).<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">The fund has 0.87% while the category average is 1%.&nbsp;&nbsp;<\/p>\n\n\n\n<ol start=\"5\" class=\"wp-block-list\">\n<li><strong>Alpha: <\/strong>It measures<strong> <\/strong>the extra return the fund gives above the market&#8217;s average return.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">The fund has 0.52%, and the category average is 1.90%, indicating that the fund has less chance of offering market-beating returns.&nbsp;&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"6-taxation-for-uti-smallcap-fund-\"><span class=\"ez-toc-section\" id=\"Taxation_for_UTI_SmallCap_Fund\"><\/span>Taxation for UTI SmallCap Fund&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If you&#8217;re investing in the <strong>UTI SmallCap Fund<\/strong>, here&#8217;s how your returns will be taxed:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Short-Term Gains<\/strong> &#8211; If you sell the fund units within 1 year of the date of investment, a 20% tax will be levied on the entire return generated during the period.&nbsp;<\/li>\n\n\n\n<li><strong>Long-Term Gains<\/strong> &#8211; If you sell the fund units after one year, any profit generated over and above \u20b91.25 lakh will be taxable at a 12.5% rate. The same rate will be applicable for any investment tenure above 1 year.&nbsp;<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><em>So, the longer you hold your investments, the better returns you can expect and the less the effect of taxes!<\/em><\/strong><\/p>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li><strong>Taxes on Dividends<\/strong> \u2013 Dividends earned, if any, will be taxable in the hands of investors as per their tax slabs. If the dividend income surpasses \u20b910000 in a financial year, then the fund house will deduct 10% TDS before disbursing the dividend into the account of the investor.&nbsp;<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Minimum Investment and Lock-in Period<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The minimum investment amount in the <strong>UTI SmallCap Fund<\/strong><strong><em> <\/em><\/strong>is \u20b95000 for lump sum and SIP, which is \u20b9500. There is no lock-in period for the <strong>UTI SmallCap Fund Direct-Growth<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"7-how-to-invest-in-uti-smallcap-fund-direct\"><span class=\"ez-toc-section\" id=\"How_to_Invest_in_UTI_SmallCap_Fund_Direct\"><\/span>How to Invest in UTI SmallCap Fund Direct?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">You can invest in the <strong>UTI SmallCap Fund &#8211; Direct Growth<\/strong> plan with Shoonya.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Shoonya offers a free Demat account,&nbsp; Zero brokerage trading, advanced trading tools, 100+ technical indicators, and much more!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Investing in Lump Sum Mutual Funds through the Shoonya Web Platform<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Here\u2019s a quick guide on how to invest in lump sum mutual funds through the Shoonya web platform:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>First, you must log in to your Shoonya account at <a href=\"https:\/\/trade.shoonya.com\/\" target=\"_blank\" rel=\"noreferrer noopener\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#d79b30\" class=\"has-inline-color\">https:\/\/trade.shoonya.com<\/mark><\/a> From the &#8220;Orders&#8221; section, click on &#8220;MF order.&#8221;<\/li>\n\n\n\n<li>Search for the fund you wish to invest in; in this case, the UTI SmallCap Fund &#8211; Direct Growth plan.<\/li>\n\n\n\n<li>Choose &#8220;Fresh&#8221; for a new investment and enter the amount you want to invest.<\/li>\n\n\n\n<li>You can complete your purchase by clicking the &#8220;Purchase&#8221; button.<\/li>\n\n\n\n<li>You will receive a payment link on your registered email. Use the link to make the payment.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">After payment, your mutual fund units will be allotted to your Demat account within T+2 days.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Note:<\/strong> You can only make the payment using the bank account registered with your Demat account.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Setting Up an SIP for Mutual Funds<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you prefer a <strong>Systematic Investment Plan<\/strong> (SIP) for UTI SmallCap Fund Direct Plan-Growth plan, you must follow these steps:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>First, you need to log in to your Shoonya account at <a href=\"https:\/\/trade.shoonya.com\/\" target=\"_blank\" rel=\"noreferrer noopener\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#d79b30\" class=\"has-inline-color\">https:\/\/trade.shoonya.com<\/mark><\/a> Go to &#8220;Orders&#8221; and click on &#8220;XSIP.&#8221;<\/li>\n\n\n\n<li>Find the mutual fund for which you want to set up an SIP. In this case, the UTI SmallCap Fund &#8211; Direct Growth plan.<\/li>\n\n\n\n<li>If this is your first SIP with Shoonya, you need to create a Mandate ID.&nbsp;<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">For that, you must enter the mandate amount and the validity date (until you want to keep your SIP active).<\/p>\n\n\n\n<ol start=\"4\" class=\"wp-block-list\">\n<li>You must submit the details, and you\u2019ll receive a Mandate authentication link via email. Approval generally takes 24 hours.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Once your Mandate is approved, you can follow these steps to set up your SIP:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Go to &#8220;XSIP,&#8221; enter the SIP amount, and select &#8220;Fresh&#8221; as the transaction type.<\/li>\n\n\n\n<li>Choose the date when the SIP will be debited directly from your registered bank.<\/li>\n\n\n\n<li>The approved Mandate ID will auto-reflect.<\/li>\n\n\n\n<li>Choose &#8220;Monthly&#8221; for monthly debits and specify the number of installments (e.g., 24 installments for a 2-year SIP).<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">If you do not want to forget your SIPs and invest systematically, the SIP method can be most suitable for you.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"8-why-invest-in-the-uti-smallcap-fund\"><span class=\"ez-toc-section\" id=\"Why_Invest_in_the_UTI_SmallCap_Fund\"><\/span>Why Invest in the UTI SmallCap Fund?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The reasons for investing<strong> <\/strong>in the <strong>UTI SmallCap Fund Direct-Growth<\/strong> can be \u2013&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Long-term capital accumulation \u2013 wealth building<\/li>\n\n\n\n<li>Well-diversified portfolio across sectors<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"9-suitability-of-this-fund-who-should-invest\"><span class=\"ez-toc-section\" id=\"Suitability_of_this_Fund_Who_Should_Invest\"><\/span>Suitability of this Fund| Who Should Invest?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The <strong>UTI SmallCap Fund Direct <\/strong>is suitable for investors who:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Are Risk takers<\/li>\n\n\n\n<li>Looking for long-term capital appreciation&nbsp;<\/li>\n\n\n\n<li>Can stay invested for at least seven years&nbsp;<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"10-conclusion\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">To conclude, <strong>UTI SmallCap Fund <\/strong>can be<strong> <\/strong>suitable for investors who are looking for higher returns but also ready to take higher risk for the same. Also, the fund need long term commitment for long-term capital appreciation. So, before investing in the fund, you must consider all the aspects and see whether it fits into your investment portfolio or not and accordingly invest.&nbsp;&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"11-uti-smallcap-fund-direct-plan-growth-faqs\"><span class=\"ez-toc-section\" id=\"UTI_SmallCap_Fund_Direct_Plan-Growth_FAQs\"><\/span>UTI SmallCap Fund Direct Plan-Growth| FAQs<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1748328123458\"><strong class=\"schema-faq-question\"><strong>1. What is the UTI SmallCap Fund &#8211; Direct Plan?<\/strong><\/strong> <p class=\"schema-faq-answer\">UTI SmallCap Fund &#8211; Direct Plan is an open-ended equity fund that invests in equities and equity-related instruments of smallcap companies predominantly.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1748328124346\"><strong class=\"schema-faq-question\"><strong>2. What is the expense ratio of the UTI SmallCap Fund &#8211; Direct Plan?<\/strong><\/strong> <p class=\"schema-faq-answer\">The expense ratio of the UTI SmallCap Fund &#8211; Direct Plan is 0.71% as of 30 April 2025.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1748328174218\"><strong class=\"schema-faq-question\"><strong>3. What is the current NAV of the UTI SmallCap Fund &#8211; Direct Plan?<\/strong><\/strong> <p class=\"schema-faq-answer\">The current NAV (Net Asset Value) of the UTI SmallCap Fund &#8211; Direct Plan as of<strong> <\/strong>23 May 2025 stood at \u20b926.5465.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1748328192475\"><strong class=\"schema-faq-question\"><strong>4. What is the AUM of the UTI SmallCap Fund &#8211; Direct Plan?<\/strong><\/strong> <p class=\"schema-faq-answer\">The total assets under management (AUM) of UTI SmallCap Fund &#8211; Direct Plan is \u20b94238 crore as of 30 April 2025.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1748328200546\"><strong class=\"schema-faq-question\"><strong>5. What is the Riskometer level of the UTI SmallCap Fund &#8211; Direct Plan?<\/strong><\/strong> <p class=\"schema-faq-answer\">The Riskometer level of the UTI SmallCap Fund &#8211; Direct Plan is marked as &#8220;Very High Risk&#8221;.<\/p> <\/div> <\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Source: <a href=\"https:\/\/www.valueresearchonline.com\/funds\/41233\/uti-small-cap-fund-direct-plan\/#other\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#d79b30\" class=\"has-inline-color\">ValueResearch<\/mark><\/a><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">______________________________________________________________________________________<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#d79b30\" class=\"has-inline-color\"><strong>Disclaimer<\/strong><\/mark>: Investments in the securities market are subject to 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This is the third and last category of the entire market capitalization which starts from the stocks ranked 251st and onwards as per market cap. Here in this article, &hellip; <a href=\"https:\/\/shoonya.com\/blog\/uti-small-cap-fund-direct-growth\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;UTI SmallCap Fund Direct-Growth: Key Insights, Returns, Risks, and More&#8221;<\/span><\/a><\/p>\n","protected":false},"author":16,"featured_media":12703,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_members_access_role":[],"_members_access_error":""},"categories":[12],"tags":[7634,7636,7635,7639,7637,7638,7633,7632],"class_list":["post-12698","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mutual-funds","tag-nav-of-uti-smallcap-fund","tag-uti-small-cap-fund","tag-uti-small-cap-fund-direct-growth","tag-uti-small-cap-fund-direct-growth-nav","tag-uti-small-cap-fund-nav-history","tag-uti-small-cap-fund-portfolio","tag-uti-smallcap-fund-direct","tag-uti-smallcap-fund-direct-growth"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>UTI SmallCap Fund Direct-Growth Option: Everything You Need to Know<\/title>\n<meta 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