With retail investment activity increasing steadily across North Bengal, UTI Mutual Fund has positioned its UTI Flexi Cap Fund as a long-term wealth creation option for investors seeking disciplined equity exposure. The fund, launched in 1992, is among the oldest in the flexi-cap category and currently manages more than Rs. 25,700 crore as of November 30, 2025. Flexi-cap funds invest at least 65 per cent of total assets in equity holdings across large-cap, mid-cap, and small-cap companies. For individuals in Siliguri looking for sustainable long-term returns, UTI Flexi Cap emphasises businesses with the ability to compound economic value over time. The fund’s strategy is built on three core filters—Quality, Growth and Valuation.
According to the fund philosophy, “quality” refers to companies generating consistently high return on capital employed or return on equity, even during economic downturns. The fund selects businesses that not only perform in favourable cycles but continue operating above their cost of capital. These qualities allow companies to maintain strong cash flows and create value over the long run. The second pillar—growth—focuses on companies with long-term secular growth rather than cyclical behaviour. For investors in emerging markets like Siliguri, this approach aims at predictable compounding rather than short bursts of performance.
The valuation method emphasises understanding a company’s long-term business potential. While price-to-earnings multiples are considered, the fund insists that valuation must be evaluated in context of cash-flow strength and reinvestment opportunities instead of short-term market fluctuations. The portfolio invests across market capitalisation segments and currently includes leading companies such as Bajaj Finance, HDFC Bank, ICICI Bank, Titan and several major technology firms which together account for nearly 45 per cent of holdings. The fund is considered suitable for investors with moderate risk appetite and a minimum investment horizon of five to seven years. For Siliguri residents hoping to create a core equity portfolio for long-term financial goals, UTI Flexi Cap Fund presents itself as a structured and sustainability-focused option.
