Tata NIFTY 50 Exchange Traded Fund vs UTI - Equity Savings Fund
Direct Plan where a fund has one, Growth option · Data as on 30-10-2026
Tata NIFTY 50 Exchange Traded Fund is an Index fund and UTI - Equity Savings Fund is an Equity Savings fund. In the 3 years to 30-10-2026, Tata NIFTY 50 Exchange Traded Fund returned 7.5% a year and UTI - Equity Savings Fund (Direct) returned 8.1% a year. Tata NIFTY 50 Exchange Traded Fund charges 0.09% a year and UTI - Equity Savings Fund 1.04%. Their portfolios overlap 49.1%: they hold 31 of the same securities.
Tata NIFTY 50 Exchange Traded Fund
Index
- 3 year return
- 7.5%
- Expense ratio
- 0.09%
- NAV
- ₹251.41
UTI - Equity Savings Fund
Equity Savings
- 3 year return
- 8.1%
- Expense ratio
- 1.04%
- NAV
- ₹20.08
Which is better, Tata NIFTY 50 Exchange Traded or UTI - Equity Savings? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- UTI - Equity Savings returned more over 5 years: 8.3% a year against 6.6%.
- UTI - Equity Savings returned more over 3 years: 8.1% a year against 7.5%.
- Tata NIFTY 50 Exchange Traded costs less: 0.09% a year against 1.04%.
- UTI - Equity Savings swung less over 3 years: a standard deviation of 4.4% a year against 13.2%.
- UTI - Equity Savings fell less in its worst fall since 02-01-2019: −13.8% against −38.4%.
- Tata NIFTY 50 Exchange Traded holds more in large companies: 98.6% of the fund in large caps against 62.0%.
- UTI - Equity Savings is the larger fund: ₹804 Cr against ₹674 Cr.
- Their portfolios overlap 49.1%: 31 of the same holdings.
Past returns do not promise future returns. This page is information, not investment advice.
Key facts
From each fund's scheme summary document and AMFI
| Fact | Tata NIFTY 50 Exchange Traded Fund | UTI - Equity Savings Fund |
|---|---|---|
| Fund house | Tata Mutual Fund | UTI Mutual Fund |
| Category | Index | Equity Savings |
| AUM | ₹674 Cr (30-09-2026) | ₹804 Cr (30-09-2026) |
| NAV | ₹251.41 | ₹20.08 (Direct) |
| Expense ratio (Direct) | Not available | 1.04% |
| Expense ratio (Regular) | Not available | 2.06% |
| Riskometer | Very High | Moderately High |
| Benchmark | Nifty 50 TRI | CRISIL Equity Savings Index |
| Launch date | 01-01-2019 | 30-08-2018 |
| Minimum investment | Not available | Regular Plan-Quarterly Reinvestment of IDCW- Rs.5000, Regular Plan-Quarterly Payout of IDCW- Rs.5000, Direct Plan-Quarterly Reinvestment of IDCW- Rs.5000, Direct Plan-Quarterly Payout of IDCW- Rs.5000, Regular Plan-Monthly Reinvestment of IDCW- Rs.5000, R |
| Lock in | None | None |
| Fund managers | Nitin Sharma, Rakesh Prajapati | Anurag Mittal FM 1, V Srivatsa FM 2, Not Applicable FM 3, Not Applicable FM 4 |
| Exit load | NIL | Exit load of 1%, if redeemed within 30 days. |
Tata NIFTY 50 Exchange Traded vs UTI - Equity Savings: Returns Comparison
Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.
| Fund | 1M | 3M | 6M | 1Y | 3Y | 5Y | 10Y |
|---|---|---|---|---|---|---|---|
| Tata NIFTY 50 Exchange Traded Fund | +1.95% | −4.98% | −3.13% | −10.05% | +7.53% | +6.62% | -- |
| UTI - Equity Savings Fund (Direct) | +0.33% | −1.35% | +0.15% | +0.72% | +8.11% | +8.28% | -- |
| Equity Savings average | −0.02% | −0.68% | +1.71% | +2.12% | +8.55% | +7.55% | -- |
Category average: the average of the 23 Equity Savings funds, same plan type.
Tata NIFTY 50 Exchange Traded vs UTI - Equity Savings: Year-wise Returns
| Year | Tata NIFTY 50 Exchange TradedTata NIFTY 50 Exchange Traded | UTI - Equity SavingsUTI - Equity Savings |
|---|---|---|
| 2026to date | −10.98% | −1.18% |
| 2025 | +11.85% | +9.55% |
| 2024 | +9.95% | +10.14% |
| 2023 | +21.14% | +16.68% |
| 2022 | +5.68% | +7.21% |
| 2021 | +25.44% | +14.98% |
Tata NIFTY 50 Exchange Traded vs UTI - Equity Savings: Rolling Returns
Every holding period of both funds, against Nifty 50 TRI, the benchmark of Tata NIFTY 50 Exchange Traded Fund
Rolling returns
Every 3-year holding period, 1,190 of them, one for each trading day from 03-01-2022 to 30-10-2026: the yearly return (CAGR) of each, plotted on the day it ended. One lucky or unlucky start day cannot flatter or hide a fund.
Tata NIFTY 50 Exchange Traded Fund
UTI - Equity Savings Fund (Direct)
Nifty 50 TRI
to
May 2022Mar 2020
to
Mar 2023Jan 2021
to
Jan 2024Nov 2021
to
Nov 2024Sept 2022
to
Sept 2025Jun 2023
to
Jun 2026
How the periods spread
| Fund | Below 0% | 0-5% | 5-10% | 10-15% | 15-20% | 20-25% | Above 25% | Mean | Median | Lowest | Highest | Beat benchmark |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Tata NIFTY 50 Exchange Traded | 0.0 | 0.0 | 9.9 | 39.0 | 38.7 | 8.2 | 4.1 | 15.3% | 15.1% | 5.3% | 32.4% | 1% |
| UTI - Equity Savings | 0.0 | 0.0 | 15.6 | 82.7 | 1.8 | 0.0 | 0.0 | 11.6% | 11.5% | 7.5% | 16.2% | 9% |
| Nifty 50 TRI | 0.0 | 0.0 | 9.6 | 38.2 | 39.8 | 8.3 | 4.1 | 15.4% | 15.2% | 5.4% | 32.4% | -- |
The table shows the % of periods in each return band; a darker cell holds more of them. Lumpsum: the yearly rate (CAGR) from a period's first NAV to its last. SIP: the XIRR of the monthly instalments. The benchmark is Nifty 50 TRI, over the same periods. "Beat benchmark" counts the periods in which the fund did better. Every fund is measured over the days all of them have, from 02-01-2019. Past returns do not promise future returns.
Tata NIFTY 50 Exchange Traded vs UTI - Equity Savings: SIP and Lumpsum Returns
What the same monthly or one-time investment would be worth in each fund today, from their own NAV history
Growth of an investment
₹10,000 on the first trading day of every month, from 02-01-2019 to 30-10-2026: 94 instalments, ₹9,40,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| Tata NIFTY 50 Exchange TradedTata NIFTY 50 Exchange Traded Fund | ₹9,40,000 | ₹13,79,431 | ₹4,39,431 | 9.6% |
| UTI - Equity SavingsUTI - Equity Savings Fund (Direct) | ₹9,40,000 | ₹13,50,461 | ₹4,10,461 | 9.1% |
Tata NIFTY 50 Exchange TradedTata NIFTY 50 Exchange Traded Fund
UTI - Equity SavingsUTI - Equity Savings Fund (Direct)
Amount invested
From each plan's published NAV (Growth option), over the same days. Return a year: XIRR for a SIP, CAGR for a lumpsum, shown for a year or more. It does not include exit load, stamp duty or tax. Past returns do not promise future returns.
Tata NIFTY 50 Exchange Traded vs UTI - Equity Savings: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | Tata NIFTY 50 Exchange Traded Fund | UTI - Equity Savings Fund (Direct) |
|---|---|---|
| Return (CAGR) | −10.05% | +0.72% |
| Standard deviation | 13.61% | 5.20% |
| Sharpe ratio | -1.12 | -0.87 |
| Sortino ratio | -1.50 | -1.16 |
| Maximum drawdown | −15.2% (31-03-2026) | −4.9% (30-03-2026) |
| Beta | 1.00 | -- |
| Alpha | −0.07% | -- |
From daily NAVs, 30-10-2025 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
| Measure | Tata NIFTY 50 Exchange Traded Fund | UTI - Equity Savings Fund (Direct) |
|---|---|---|
| Return (CAGR) | +7.53% | +8.11% |
| Standard deviation | 13.18% | 4.43% |
| Sharpe ratio | 0.11 | 0.47 |
| Sortino ratio | 0.16 | 0.67 |
| Maximum drawdown | −15.5% (04-03-2025) | −4.9% (30-03-2026) |
| Beta | 1.00 | -- |
| Alpha | −0.09% | -- |
From daily NAVs, 30-10-2023 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
| Measure | Tata NIFTY 50 Exchange Traded Fund | UTI - Equity Savings Fund (Direct) |
|---|---|---|
| Return (CAGR) | +6.62% | +8.28% |
| Standard deviation | 13.66% | 4.78% |
| Sharpe ratio | 0.06 | 0.52 |
| Sortino ratio | 0.08 | 0.73 |
| Maximum drawdown | −15.8% (17-06-2022) | −5.1% (20-06-2022) |
| Beta | 1.00 | -- |
| Alpha | −0.08% | -- |
From daily NAVs, 29-10-2021 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
| Measure | Tata NIFTY 50 Exchange Traded Fund | UTI - Equity Savings Fund (Direct) |
|---|---|---|
| Return (CAGR) | +11.42% | +8.90% |
| Standard deviation | 17.06% | 5.72% |
| Sharpe ratio | 0.36 | 0.64 |
| Sortino ratio | 0.50 | 0.87 |
| Maximum drawdown | −38.4% (23-03-2020) | −13.8% (23-03-2020) |
| Beta | 1.00 | -- |
| Alpha | −0.06% | -- |
From daily NAVs, 02-01-2019 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
Drawdowns
How far below its previous high each one was on every day: the falls an investor had to sit through. 0% means it was at a new high.
Tata NIFTY 50 Exchange Traded Fund
UTI - Equity Savings Fund (Direct)
Nifty 50 TRI
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| Tata NIFTY 50 Exchange Traded Fund | −38.4% | 14-01-2020 | 23-03-2020 | 06-11-2020 | 7 months | −11.7% |
| UTI - Equity Savings Fund (Direct) | −13.8% | 24-01-2020 | 23-03-2020 | 10-08-2020 | 5 months | −2.4% |
| Nifty 50 TRI | −38.3% | 14-01-2020 | 23-03-2020 | 06-11-2020 | 7 months | −11.6% |
From daily values since 02-01-2019, the first day every fund has.
Rolling standard deviation
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 1-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
Tata NIFTY 50 Exchange Traded Fund
UTI - Equity Savings Fund (Direct)
Nifty 50 TRI
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 3-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
Tata NIFTY 50 Exchange Traded Fund
UTI - Equity Savings Fund (Direct)
Nifty 50 TRI
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 5-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
Tata NIFTY 50 Exchange Traded Fund
UTI - Equity Savings Fund (Direct)
Nifty 50 TRI
Against Nifty 50 TRI
| Fund | Up capture | Down capture | Tracking error |
|---|---|---|---|
| Tata NIFTY 50 Exchange Traded Fund | 100% | 100% | 0.11% |
| UTI - Equity Savings Fund (Direct) | 45% | 21% | 11.25% |
From month-end values since 02-01-2019. Up capture: a fund's average month when the benchmark rose, as % of the benchmark's; above 100% it gained more. Down capture: the same for months the benchmark fell; below 100% it fell less. Tracking error: how far the monthly returns strayed from the benchmark's, a year; an index fund aims near 0.
Tata NIFTY 50 Exchange Traded vs UTI - Equity Savings: Portfolio Overlap
From each fund's latest monthly portfolio: Tata NIFTY 50 Exchange Traded Fund, September 2026; UTI - Equity Savings Fund, September 2026
Holdings in common
- Overlap
- 49.1%
- Held by both
- 31
- Only in Tata NIFTY 50 Exchange Traded
- 19
- Only in UTI - Equity Savings
- 22
| Security | % of Tata NIFTY 50 Exchange Traded | % of UTI - Equity Savings |
|---|---|---|
| HDFC BANK LTD | 10.48% | 4.65% |
| AXIS BANK LTD | 3.40% | 5.13% |
| BHARTI AIRTEL LTD | 5.16% | 3.33% |
| STATE BANK OF INDIA | 3.83% | 3.27% |
| ICICI BANK LTD | 9.14% | 3.17% |
| KOTAK MAHINDRA BANK LTD | 2.96% | 3.65% |
| RELIANCE INDUSTRIES LTD | 7.74% | 2.83% |
| MAHINDRA & MAHINDRA LTD | 2.54% | 3.81% |
| LARSEN & TOUBRO LTD | 4.25% | 2.35% |
| BAJAJ FINANCE LTD | 2.48% | 2.28% |
| MARUTI SUZUKI INDIA LTD | 1.51% | 2.17% |
| ITC LTD | 2.44% | 1.38% |
| JSW STEEL LTD | 1.13% | 1.54% |
| GRASIM INDUSTRIES LTD | 1.12% | 3.43% |
| INFOSYS LTD | 3.37% | 1.04% |
| SHRIRAM FINANCE LTD | 1.33% | 1.03% |
| TATA CONSULTANCY SERVICES LTD | 2.02% | 1.02% |
| INTERGLOBE AVIATION LTD | 1.09% | 1.02% |
| COAL INDIA LTD | 0.98% | 0.90% |
| ADANI PORTS AND SPECIAL ECONOMIC ZONE LTD | 1.28% | 0.87% |
| OIL & NATURAL GAS CO. | 0.85% | 0.85% |
| POWER GRID CORPORATION OF INDIA LTD | 1.14% | 0.83% |
| HCL TECHNOLOGIES LTD | 1.25% | 0.79% |
| BAJAJ AUTO LTD | 1.16% | 0.75% |
| SBI LIFE INSURANCE COMPANY LTD | 0.74% | 1.10% |
| NTPC LTD | 1.48% | 0.68% |
| CIPLA LTD | 0.73% | 0.68% |
| BAJAJ FINSERV LTD | 0.97% | 0.65% |
| DR REDDYS LABORATORIES LTD | 0.73% | 0.54% |
| WIPRO LTD | 0.41% | 0.52% |
| HINDALCO INDUSTRIES LTD | 1.32% | 0.39% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 49.1% means 49.1% of each fund's money sits in positions the other also holds. Matched by ISIN. Cash and hedged positions are left out.
Largest holdings only in Tata NIFTY 50 Exchange Traded Fund
| Security | % of fund |
|---|---|
| ETERNAL LTD | 2.23% |
| SUN PHARMACEUTICAL INDUSTRIES LTD | 1.86% |
| TITAN COMPANY LTD | 1.83% |
| HINDUSTAN UNILEVER LTD | 1.61% |
| TATA STEEL LTD | 1.47% |
Largest holdings only in UTI - Equity Savings Fund
| Security | % of fund |
|---|---|
| 07.32% GSEC MAT -13/11/2030 | 8.21% |
| 7.04% GSEC MAT- 03/06/2029 | 5.85% |
| INVIT - IRB INVIT FUND | 2.73% |
| 7.06% GS MAT - 10/04/2028 | 2.51% |
| INVIT - INDUS INFRA TRUST | 1.75% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | Tata NIFTY 50 Exchange Traded | UTI - Equity Savings |
|---|---|---|
| Equity | 100.0% | 66.0% |
| Debt | 0.0% | 16.6% |
| Cash and others | 0.0% | 17.4% |
Market cap of stocks
| Market cap | Tata NIFTY 50 Exchange Traded | UTI - Equity Savings |
|---|---|---|
| Large Cap | 98.6% | 62.0% |
| Mid Cap | 1.4% | 3.7% |
| Small Cap | 0.0% | 0.0% |
| Not on AMFI's list | 0.0% | 0.3% |
Share of the whole fund. Groups follow AMFI's latest list: Large Cap is the 100 largest companies, Mid Cap the next 150, Small Cap the rest.
Largest sectors
| Sector | Tata NIFTY 50 Exchange Traded | UTI - Equity Savings |
|---|---|---|
| Banks | 29.8% | 20.9% |
| IT - Software | 8.0% | 3.4% |
| Petroleum Products | 7.7% | 2.8% |
| Automobiles | 6.7% | 7.5% |
| Finance | 5.5% | 4.2% |
| Telecom - Services | 5.2% | 4.6% |
| Cement & Cement Products | 2.4% | 3.4% |
The six largest sectors of each fund's stocks, % of the fund.
Tata NIFTY 50 Exchange Traded vs UTI - Equity Savings: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | Tata NIFTY 50 Exchange Traded Fund | UTI - Equity Savings Fund |
|---|---|---|
| Total expense ratio (Direct) | Not available | 1.04% |
| Base expense ratio (Direct) | 0.07% | 0.62% |
| Total expense ratio (Regular) | Not available | 2.06% |
| Base expense ratio (Regular) | 0.00% | 1.52% |
The expense ratio comes out of the fund's assets every day, so every return on this page is already after it. Base expense ratio: the fund house's own fee. The total adds brokerage, transaction costs, and levies with GST.
More comparisons
Each fund against the others of its category
Tata NIFTY 50 Exchange Traded Fund vs UTI - Equity Savings Fund: Frequently Asked Questions
What is the difference between Tata NIFTY 50 Exchange Traded Fund and UTI - Equity Savings Fund?
Tata NIFTY 50 Exchange Traded Fund is an Index fund, UTI - Equity Savings Fund is an Equity Savings fund, run by Tata Mutual Fund and UTI Mutual Fund. Their portfolios overlap 49.1%. Tata NIFTY 50 Exchange Traded Fund charges 0.09% a year and UTI - Equity Savings Fund 1.04%.
Which has given higher returns, Tata NIFTY 50 Exchange Traded Fund or UTI - Equity Savings Fund?
Over 1 year: Tata NIFTY 50 Exchange Traded Fund −10.05%, UTI - Equity Savings Fund +0.72%. Over 3 years: Tata NIFTY 50 Exchange Traded Fund +7.53% a year, UTI - Equity Savings Fund +8.11% a year. Over 5 years: Tata NIFTY 50 Exchange Traded Fund +6.62% a year, UTI - Equity Savings Fund +8.28% a year. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, Tata NIFTY 50 Exchange Traded Fund or UTI - Equity Savings Fund?
Tata NIFTY 50 Exchange Traded Fund charges less: 0.09% a year against 1.04%. These are the total expense ratios reported to AMFI.
How much do Tata NIFTY 50 Exchange Traded Fund and UTI - Equity Savings Fund overlap?
49.1%. They hold 31 of the same securities, the largest shared ones being HDFCBANK, AXISBANK, BHARTIARTL. From each fund's latest monthly portfolio.
Which is riskier, Tata NIFTY 50 Exchange Traded Fund or UTI - Equity Savings Fund?
On SEBI's riskometer, Tata NIFTY 50 Exchange Traded Fund is rated Very High and UTI - Equity Savings Fund Moderately High. Over 3 years, the standard deviation of daily returns was 13.18% and 4.43% a year.
Which is better for SIP, Tata NIFTY 50 Exchange Traded Fund or UTI - Equity Savings Fund?
Over the last 5 years, a monthly SIP of ₹10,000 from 01-10-2021 to 30-10-2026 grew to ₹6,95,738 in Tata NIFTY 50 Exchange Traded Fund (XIRR 5.1% a year) and ₹7,37,975 in UTI - Equity Savings Fund (XIRR 7.4% a year). Both received 61 instalments. Past returns do not promise future returns.
Can I invest in both Tata NIFTY 50 Exchange Traded Fund and UTI - Equity Savings Fund?
Yes. 49.1% of each fund's money sits in the same holdings, so a large part of the two investments would move together.
Who manages Tata NIFTY 50 Exchange Traded Fund and UTI - Equity Savings Fund?
Tata NIFTY 50 Exchange Traded Fund: Nitin Sharma, Rakesh Prajapati. UTI - Equity Savings Fund: Anurag Mittal FM 1, V Srivatsa FM 2, Not Applicable FM 3, Not Applicable FM 4.
Sources: NAV and expense ratio from AMFI. Holdings from each fund house's monthly portfolio statement. Fund facts from each scheme summary document.
This page is information, not investment advice. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Past returns do not promise future returns. Figures come from AMFI, NSE, BSE and each fund house's own documents.