diff --git a/src/lib/uTop_main.ml b/src/lib/uTop_main.ml
index 3c6e83c..6aa361b 100644
--- a/src/lib/uTop_main.ml
+++ b/src/lib/uTop_main.ml
@@ -1479,7 +1479,7 @@ let common_init ~initial_env =
            None
          )
      | None ->
-         if Sys.file_exists ".ocamlinit" then
+         if Sys.file_exists ".ocamlinit" && Sys.getcwd () <> Sys.getenv "HOME" then
            Some ".ocamlinit"
          else
            let xdg_fn = LTerm_resources.xdgbd_file ~loc:LTerm_resources.Config "utop/init.ml" in