UTI - Equity Savings Fund
This is the Direct plan of UTI - Equity Savings Fund — bought from the fund house, with no distributor commission in its expense ratio. Income is retained in the fund, so it shows up as NAV rather than as a payout.
NAV history
Scorecard
★★★★☆4/5 vs 20 of 22 Equity Savings peers- Performance 60%
- Risk 15%
- Cost 10%
- Downside 15%
How this is computed
Each verdict is computed from this fund's own metrics against its sub-category — the number behind it is shown, not a black-box rating. The stars weight the same ground 60/15/10/15 (performance/risk/cost/downside) across every fund in the peer group. Ranked within Equity Savings (same plan and option). 20 of the 22 Equity Savings funds in this cohort carry the full record the stars need, so they are the ones ranked against.
3Y CAGR +7.65% · ranks 13 of 20 Equity Savings funds
Volatility 4.4% vs 4.5% category avg
1.0% expense vs 1.3% category avg
100% of rolling 3Y windows were positive
Strengths & concerns
Generated from this fund's own numbers against its sub-category — each point names the figure behind it.
Strengths
- 5-year return (+8.22%) beats the Equity Savings average (+7.58%)
- Low expense ratio (1.04%) vs the Equity Savings average of 1.32%
- Consistent — positive in 100% of rolling 3-year windows
Concerns
- Trails the Equity Savings average on 1M/3M/6M/1Y — 1Y by 1.54pp
- 3-year return (+7.65%) trails the Equity Savings average (+8.28%)
- Ranks #19 of 23 on 1-year return in its Equity Savings cohort
- Weaker risk-adjusted returns — Sharpe 0.26 below the Equity Savings average of 0.35
Key Metrics
Scheme Info
DefinitionsPeriod returns (<1Y, absolute — not annualized)
DefinitionsAnnualized returns (≥1Y — CAGR)
DefinitionsAdvanced metrics — risk
Fund vs category average (Equity Savings)
| Period | Fund | Category avg. | Diff |
|---|---|---|---|
| 1M abs | -2.37% | -1.64% | -0.73% |
| 3M abs | -1.49% | -0.17% | -1.32% |
| 6M abs | +1.66% | +4.23% | -2.57% |
| 1Y CAGR | +1.85% | +3.39% | -1.54% |
| 3Y CAGR | +7.65% | +8.28% | -0.63% |
| 5Y CAGR | +8.22% | +7.58% | +0.64% |
Category average across peers in Equity Savings (up to 22 funds with data), same plan and option, excluding this fund. Under-1-year figures are absolute; 1Y and beyond are annualised (CAGR).
Not sure what a figure means? The glossary explains every metric, and the methodology shows the formulas.
Category rank
Vs 22 peers in Equity Savings
Backtest this fund
What a SIP or one-time investment would have grown to over this fund’s real NAV history.
60 monthly installments of ₹10,000 into UTI - Equity Savings Fund, valued at the latest NAV. XIRR annualizes for each installment’s timing.
Calendar-year returns
What the fund actually returned in each year, not the smoothed average.
| Year | Fund | |
|---|---|---|
| 2026part | -2.02% | |
| 2025 | +9.55% | |
| 2024 | +10.14% | |
| 2023 | +16.68% | |
| 2022 | +7.21% | |
| 2021 | +14.98% | |
| 2020 | +11.03% | |
| 2019 | +5.34% | |
| 2018part | +0.02% |
January–December, from this fund's NAV history. Absolute return, not annualised. “part” marks a year the fund didn't run end to end — its first year, the current year so far, or one it stopped reporting in.
Taxation
Taxed as equityThis is an equity-oriented fund (≥65% in Indian equities), so gains get the concessional capital-gains rates below — they do not add to your income-tax slab.
Flat, on the whole gain
On gains above ₹1.25 L per financial year
Applies to capital gains on redemption. Excludes IDCW/dividend tax, STT, surcharge and cess, and pre-2018 equity grandfathering. For research only — consult a tax advisor before filing.
Asset allocation
As on 31 Aug 2026 · AMC disclosure- Equity66.83%
- Debt21.31%
- Real Estate / REITs7.22%
- Cash & Equivalents4.63%
Fund size over time
Quarterly average AUM · AMFIAt or near its largest, ₹821.56Cr in April - June 2026. Size matters most where the mandate is narrow — a large small-cap or a very large flexi-cap book is harder to move without moving the price.
Net flow is an estimate: AMFI publishes a quarterly average AUM, not a closing balance, and it covers every plan and option of this scheme together, so it is a read on direction and rough size rather than a cash-flow statement.
AMC Profile
UTI Mutual Fund descends from the Unit Trust of India, which was effectively the whole Indian mutual fund industry from 1963 until private managers were allowed in. It was carved out as a SEBI-registered fund house in 2003, is listed on the exchanges, and is held by SBI, LIC, Bank of Baroda, PNB and T. Rowe Price rather than a single parent.
Fund Managers
AMAnurag MittalManaging since 27 Feb 2026
Executive Vice President & Head- Fixed Income
B Com, MSc, B.Com from University of Delhi, Chartered Accountant
He is B.Com from holder from Institute of working with Bandhan had been associated with has total work
- UTI - Corporate Bond Fund
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- UTI - Money Market Fund
- UTI - Money Market Fund
- UTI - Money Market Fund
- UTI Balanced Advantage Fund
- UTI BALANCED HYBRID FUND
- UTI Banking & PSU Debt Fund
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- UTI Children's Hybrid Fund - Direct Plan - Growth
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VSV SrivatsaManaging since 01 Aug 2018
Executive Vice President- Equity
B.Com., CA, ICWA, PGDM, Chartered Accountants
Cements Ltd. He such as Information 2005 after a DOSR. He
Fund managers from the AMC's filed Scheme Summary — its most recent filing for this scheme. Benchmark and dealing terms from it and this scheme's SEBI-filed Scheme Information Document on AMFI. Each manager's qualifications and role are reconciled across every filing this fund house makes for them, including its Statement of Additional Information. Total AUM via AMFI.
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Returns and risk are computed from NAV history and may differ slightly from other portals due to methodology (rolling vs point-to-point, dividend treatment). For research only — not investment advice.
About Equity Savings funds
Equity savings funds split money across equity, arbitrage and debt. The hedged portion lowers risk, so they sit between hybrid and debt funds on the risk ladder while keeping equity taxation.
Frequently asked questions
What is the NAV of UTI - Equity Savings Fund?
As of 01 Oct 2026, the NAV of UTI - Equity Savings Fund is ₹19.91 per unit. NAV (net asset value) is the fund's per-unit price, published once each business day.
What returns has UTI - Equity Savings Fund delivered?
UTI - Equity Savings Fund has returned +1.85% over 1 year, +7.65% per year over 3 years, +8.22% per year over 5 years and +8.88% per year since inception. Figures beyond one year are annualised (CAGR) and are computed from AMFI NAV history, so they may differ slightly from other portals.
What is the expense ratio of UTI - Equity Savings Fund?
UTI - Equity Savings Fund charges an expense ratio of 1.04% per year. This annual fee is already deducted from the NAV, so the returns you see are net of it.
What are the top holdings of UTI - Equity Savings Fund?
UTI - Equity Savings Fund's largest holdings are 07.32% GSEC MAT -13/11/2030 (8.2%), 7.04% GSEC MAT- 03/06/2029 (5.8%), AXIS BANK LTD. (5.5%), 6.01% GSEC MAT - 21/07/2030 (4.8%) and HDFC BANK LIMITED (4.6%). Holdings are disclosed monthly and change over time.
How risky is UTI - Equity Savings Fund?
UTI - Equity Savings Fund is rated moderately high on SEBI's risk-o-meter, its trailing-3Y volatility (annualised) is 4.4% and its worst peak-to-trough fall in our sample was -13.8%. Higher volatility means the NAV swings more; the drawdown shows how far it has fallen from a peak historically.
What does the Sharpe ratio of 0.26 mean?
The Sharpe ratio is return earned per unit of total risk, above a 6.5% risk-free rate. UTI - Equity Savings Fund's 0.26 means it has rewarded its volatility with excess return. Higher is better.
What is the benchmark of UTI - Equity Savings Fund?
UTI - Equity Savings Fund is benchmarked against the CRISIL Equity Savings TRI. Its alpha and beta on this page are measured against that index.
Who manages UTI - Equity Savings Fund?
UTI - Equity Savings Fund is managed by Anurag Mittal and V Srivatsa at UTI.
How is UTI - Equity Savings Fund taxed?
UTI - Equity Savings Fund is an equity-oriented fund, so its capital gains get concessional rates: short-term gains (units held under 1 year) are taxed at 20%, and long-term gains (held 1 year or more) at 12.5% above a ₹1.25 lakh per-year exemption. These rates apply on redemption and don't add to your income-tax slab.