The paper investigates the oil flow through a multi plate clutch for a hydro-mechanical variable transmission under actual operating conditions. The analysis focuses on the numerical approach for the accurate prediction of the transient behavior of the lubrication in the gear region: the trade-off between prediction capabilities of the numerical model and computational effort is addressed. The numerical simulation includes the full 3D geometry of the clutch and the VOF multi-phase approach is used to calculate the oil distribution in the clutch region under different relative rotating velocities. Furthermore, the lubrication of the friction disks is calculated for different clutch actuation conditions, i.e. not-engaged and engaged positions. The influence of different geometrical features of the clutch lubricating circuit on the oil distribution is also determined. The results show the areas where poor lubrication occurs and extend the experiments where measurements are difficult to carry out. The simulation highlight the regions where high thermal stresses are observed during tests.