Fund comparison, Index Fund, Nifty 50
RupeeCase Allcap vs UTI Nifty 50 Index Fund
The Allcap model record against the published figures of UTI Nifty 50 Index Fund. Allcap is a quantitative index algo you hold in your own demat for 0.2% of the value traded per rebalance; UTI Nifty 50 Index is an index tracking fund charging 0.20% TER on the whole holding each year.
- Allcap CAGR, 5y
- 44.70%Model, back tested, as of 27 Apr 2026
- UTI Nifty 50 Index CAGR, 5y
- 12.4%Published, as of 13 Jul 2026
- Allcap max drawdown
- −22.72%Model, back tested, as of 27 Apr 2026
- UTI Nifty 50 Index max drawdown
- −24.3%Published, as of 13 Jul 2026
- Allcap, model ₹611
- UTI Nifty 50 Index, 12.4% CAGR line ₹179
- Nifty 50 TRI, 9.80% CAGR line ₹160
₹100 in the Allcap model in Jul 2021 became ₹611 by Jul 2026, after charges, log scale. Model, back tested, as of 27 Apr 2026. The fund line is a constant growth path at its published 5 year CAGR (as of 13 Jul 2026), not its NAV; the Nifty 50 TRI line is the same for the index. Not a promise of future returns.
01Side by side
Seven figures, each with its source and date.
Allcap: model, back tested, CAGR, Sharpe and drawdown as of 27 Apr 2026, minimum capital as of 8 Aug 2026. UTI Nifty 50 Index Fund: publicly available figures as of 13 Jul 2026, rounded from AMC factsheets.
- MetricRupeeCase Allcap, modelUTI Nifty 50 Index Fund, published
- CAGR, 5 year44.70%12.4%
- Sharpe1.680.70
- Max drawdown−22.72%−24.3%
- Minimum capital₹2,25,000₹500 SIP
- Fees0.2% of traded value per rebalance0.20% TER
- Lock inNoneNone
- TransparencyFull list at every rebalance, publishedTracks index constituents
Show all 7 rows
- Lock inNoneNone
- TransparencyFull list at every rebalance, publishedTracks index constituents
Comparisons use publicly available data as of 13 Jul 2026 and RupeeCase model, back tested figures as of 27 Apr 2026; the RupeeCase minimum capital is as of 8 Aug 2026. Mutual fund metrics rounded from AMC factsheets. A back test is not a live track record. Not investment advice; do your own due diligence. Past performance is not indicative of future results.
In the app
Compare before you pick.
In the app, up to four strategies sit side by side, row by row, and NSE indices go on a strategy's chart.
1Select up to four strategies; the tray holds the picks. 
2The compare sheet: each line starts at 100 at the first month all the picks share. 
3Row by row, growth a year, max drawdown, risk and minimum; a check mark sits on the better value. 
4Compare on a strategy page adds NSE indices, such as the NIFTY 500 and NIFTY MIDCAP 150. 
5Every line starts at 100. The strategy is after charges; the indices are index levels with no costs.
Screens from the RupeeCase app. Model, back tested figures after charges; index lines carry no costs. Watch the walkthrough
02What actually differentiates them
Who holds the shares, what you pay, how it is built, what you can see.
Who holds the shares
Allcap: you do, in your own demat; orders go through your own broker and you approve each rebalance. UTI Nifty 50 Index: the scheme holds them; you hold units.
What you pay
Allcap: 0.2% of the value traded at each rebalance, nothing on what stays, nothing when nothing changes, no lock in. UTI Nifty 50 Index: 0.20% TER on the whole holding every year.
How it is built
Allcap: a fixed, published rule: 50 momentum names from the Nifty Total Market under ₹5,000, equal weight, rescreened every two weeks. UTI Nifty 50 Index: tracks the Nifty 50 by market capitalisation.
What you can see
Allcap: the full list on every rebalance date, back to 14 May 2021, in the rebalance history. UTI Nifty 50 Index: tracks index constituents.
Who each is written for
Core and satellite, in plain words.
Not advice; a description of what each product is built to do.
- RupeeCase Allcap is built as a rules based momentum core: 50 names across the whole market, rescreened every two weeks, in your own demat, with a minimum of about ₹2,25,000 and the model drawdowns shown above. It suits an investor who wants a published rule and the shares in their own name, and can sit through a momentum drawdown.
- UTI Nifty 50 Index Fund is built as low cost exposure to the Nifty 50 at index weights, from ₹500 SIP, with 0.20% TER and no rule to read. It suits an investor who wants a pooled vehicle and a very small starting amount.
04Questions
Allcap vs UTI Nifty 50 Index, in plain words
Is RupeeCase Allcap a mutual fund like UTI Nifty 50 Index?
No. UTI Nifty 50 Index Fund is a index fund, nifty 50 that pools investors' money and holds the shares in the scheme. RupeeCase Allcap is a published index algo: 50 momentum names from the Nifty Total Market at equal weight, rebalanced every two weeks, executed in your own broker account. The shares sit in your own demat; RupeeCase never holds money and is not a fund, PMS or adviser.
Why compare a back test with a fund?
Because that is what each side publishes. Allcap's figures are a model, back tested record (CAGR, Sharpe and drawdown as of 27 Apr 2026); the fund's are its published returns and risk as of 13 Jul 2026, rounded from AMC factsheets. A back test is not a live track record and the two are not like for like; the page labels every figure with its source and date.
What does each one cost?
UTI Nifty 50 Index Fund: 0.20% TER, charged on the whole holding every year. RupeeCase Allcap: 0.2% of the value traded at each rebalance, nothing on what stays, no subscription, AUM fee, performance fee or lock in. The fee calculator works out what that is on your amount over the years.
Hold the index algo in your own demat.
Compare the 18 published model records, validate the back test, then invest; 0.2% of the value traded per rebalance, nothing else.
Model, back tested. As of 27 Apr 2026. Not a fund, PMS or adviser. Not a promise of future returns.