LIC MF Value Fund vs UTI Value Fund
LIC MF Value Fund and UTI Value Fund are both Value / Contra funds. As of 5 Nov 2026 (Direct plan, Growth option): 3-year CAGR +17.55% vs +13.08%, 5-year CAGR — vs +10.76%, volatility 18.81% vs 14.82%, maximum drawdown −25.20% vs −36.68%. Their portfolios overlap by 16% (11 stocks held by both).
Showing the Direct plan, Growth option. Portfolio, sector and market-cap figures are the same for every plan and option of a fund.
Key facts
| LIC MF Value | UTI Value | |
|---|---|---|
| Fund house | LIC Mutual Fund | UTI Mutual Fund |
| Compared as | Value / Contra | Value / Contra |
| NAV | ₹31.1221 | ₹182.0797 |
| NAV date | 5 Nov 2026 | 5 Nov 2026 |
| Launched (first NAV) | 31 Jul 2023 | 2 Jan 2013 |
| Track record | 3.3 yrs | 13.8 yrs |
| Fund size (AUM) | ₹336 Cr | — |
| Securities held | 50 | 66 |
| Portfolio as of | 30 Sep 2026 | 30 Sep 2026 |
| Fund page | Full record → | Full record → |
Returns
| LIC MF Value | UTI Value | |
|---|---|---|
| 1 month | −0.15% | +4.59% |
| 3 months | −2.00% | −1.98% |
| 6 months | +7.49% | +0.08% |
| 1 year | +17.47% | −3.53% |
| 3 years (CAGR) | +17.55% | +13.08% |
| 5 years (CAGR) | — | +10.76% |
| 7 years (CAGR) | — | +15.76% |
| 10 years (CAGR) | — | +13.73% |
| Since launch (CAGR) | +16.80% | +13.26% |
| SIP return (XIRR, 5 years) ⓘ | — | +10.46% |
Up to one year: absolute return. Beyond one year: CAGR. Computed from each fund's own NAV history (AMFI), measured to the latest NAV.
Calendar-year returns
| LIC MF Value | UTI Value | |
|---|---|---|
| 2026 (year to date) | +17.70% | −5.01% |
| 2025 | −5.73% | +7.71% |
| 2024 | +30.38% | +24.28% |
| 2023 | — | +27.63% |
| 2022 | — | +5.04% |
| 2021 | — | +31.35% |
Risk
| LIC MF Value | UTI Value | |
|---|---|---|
| Volatility (annualised) ⓘ | 18.81% | 14.82% |
| Downside volatility ⓘ | 13.17% | 10.27% |
| Sharpe ratio ⓘ | 0.59 | 0.45 |
| Sortino ratio ⓘ | 0.84 | 0.64 |
| Maximum drawdown ⓘ | −25.20% | −36.68% |
| Recovery from that fall | 15 months | 7 months |
| Current fall from peak | −2.39% | −6.05% |
| Rolling 1-year return: worst | −11.01% | −30.09% |
| Rolling 1-year return: median | +12.71% | +12.44% |
| Rolling 1-year return: best | +47.61% | +97.88% |
| Share of 1-year periods with a loss | 25.44% | 17.82% |
Against each fund's benchmark
| LIC MF Value | UTI Value | |
|---|---|---|
| Beta ⓘ | 1.07 | 0.95 |
| Alpha (Jensen's, annualised) ⓘ | +5.56% | +1.61% |
| R² ⓘ | 77.71 | 95.43 |
| Upside capture | 126.36% | 100.85% |
| Downside capture | 106.70% | 92.41% |
| Tracking error | 9.00% | 3.35% |
| Information ratio | 0.66 | 0.47 |
| Treynor ratio | 9.00 | 5.57 |
Portfolio
Asset mix
| LIC MF Value | UTI Value | |
|---|---|---|
| Equity | 96.99% | 99.34% |
| Cash & equivalents | 2.98% | 0.41% |
| Debt | 0.00% | 0.28% |
Market-cap split (share of fund assets)
| LIC MF Value | UTI Value | |
|---|---|---|
| Large Cap | 32.80% | 65.57% |
| Mid Cap | 10.57% | 18.29% |
| Small Cap | 42.05% | 15.48% |
| Unclassified | 11.57% | 0.00% |
Concentration
| LIC MF Value | UTI Value | |
|---|---|---|
| Top 10 holdings | 38.78% | 41.12% |
| Effective number of stocks ⓘ | 36.4 | 37.3 |
| Securities held | 50 | 66 |
Portfolio overlap: 16%
11 companies are held by both funds; by weight, 16% of the two portfolios is the same. That is a low overlap: the two portfolios are largely different.
| Held by both | LIC MF Value | UTI Value |
|---|---|---|
| HDFC Bank Limited | 3.51% | 7.97% |
| State Bank of India | 1.87% | 3.30% |
| ICICI Bank Limited | 1.67% | 6.26% |
| Cipla Limited | 1.50% | 1.72% |
| Tech Mahindra Limited | 1.33% | 2.58% |
| Axis Bank Limited | 1.25% | 3.94% |
| Mahindra & Mahindra Financial Services Limited | 1.13% | 1.48% |
| NTPC Limited | 1.76% | 1.07% |
| Tata Motors Passenger Vehicles Limited | 5.03% | 0.94% |
| Sun Pharmaceutical Industries Limited | 0.84% | 1.41% |
| Kotak Mahindra Bank Limited | 0.84% | 4.16% |
Top 10 holdings
LIC MF Value
- INDO-MIM Ltd.7.68%
- Tata Motors Passenger Vehicles Limited5.03%
- Kirloskar Brothers Limited3.60%
- HDFC Bank Limited3.51%
- National Stock Exchange Of India Ltd3.36%
- Schaeffler India Ltd.3.32%
- Nephrocare Health Services Ltd3.14%
- Hyundai Motor India Ltd.3.12%
- SML Mahindra Ltd.3.06%
- Saregama India Limited2.96%
UTI Value
- HDFC Bank Limited7.97%
- ICICI Bank Limited6.26%
- Bharti Airtel Limited4.23%
- Kotak Mahindra Bank Limited4.16%
- Axis Bank Limited3.94%
- State Bank of India3.30%
- Infosys Limited3.19%
- Mahindra & Mahindra Limited2.99%
- Tech Mahindra Limited2.58%
- Reliance Industries Limited2.50%
Sector exposure
| LIC MF Value | UTI Value | |
|---|---|---|
| Banks | 10.29% | 28.14% |
| Auto Components | 13.38% | 1.79% |
| Industrial Products | 9.08% | 1.03% |
| IT - Software | 3.28% | 8.34% |
| Automobiles | 8.15% | 8.03% |
| Industrial Manufacturing | 8.11% | 0.58% |
| Pharmaceuticals & Biotechnology | 5.15% | 6.61% |
| Agricultural, Commercial & Construction Vehicles | 5.25% | 0.00% |
| Realty | 0.81% | 4.55% |
| Telecom - Services | 0.00% | 4.23% |
| Textiles & Apparels | 3.87% | 0.00% |
| Electrical Equipment | 3.67% | 0.34% |
| Capital Markets | 3.36% | 0.00% |
| Power | 3.35% | 2.95% |
Questions people ask
What is the difference between LIC MF Value and UTI Value returns?
As of 5 Nov 2026, Direct plan Growth option: 1-year return +17.47% vs −3.53%; 3-year CAGR +17.55% vs +13.08%; 5-year CAGR — vs +10.76%; 10-year CAGR — vs +13.73%. Past returns do not indicate future returns.
How do LIC MF Value and UTI Value compare on risk?
Volatility (36 monthly returns, annualised) 18.81% vs 14.82%; Sharpe ratio 0.59 vs 0.45; Sortino ratio 0.84 vs 0.64; maximum drawdown −25.20% vs −36.68%; beta 1.07 vs 0.95.
How much do LIC MF Value and UTI Value overlap?
By weight, 16% of the two portfolios is invested in the same companies; 11 stocks are held by both, the largest shared positions being HDFC Bank Limited, State Bank of India, ICICI Bank Limited. Based on the portfolios disclosed for Sep 2026 and Sep 2026.
What is the large, mid and small cap split of LIC MF Value and UTI Value?
LIC MF Value: large cap 32.8%, mid cap 10.6%, small cap 42.1%. UTI Value: large cap 65.6%, mid cap 18.3%, small cap 15.5% (share of the fund's assets, from its latest disclosed portfolio).
Is this a recommendation to choose one of these funds?
No. This page places the published figures of both funds side by side. It does not rank, rate or recommend either fund; which one suits an investor depends on their goals, horizon and risk tolerance.
More comparisons
LIC MF Value vs
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Sources: NAV from AMFI; returns, risk and ratios computed by MF Analyser from each fund's NAV history (risk on 36 monthly returns, risk-free rate 6.5%); benchmark ratios against each fund's benchmark total-return index; portfolios from each fund house's monthly disclosure. Returns and ratios as of 5 Nov 2026. IDCW options show no return or risk figures because payouts reduce the NAV and AMFI's file carries no payout history to add back. This page compares published figures only — it does not rank, rate or recommend either fund. Past performance does not indicate future returns; mutual fund investments are subject to market risks.