UTI Children's Equity Fund vs UTI - Master Equity Plan Unit Scheme
Direct Plan where a fund has one, Growth option · Data as on 30-10-2026
UTI Children's Equity Fund is a Solution fund and UTI - Master Equity Plan Unit Scheme is an ELSS fund. In the 3 years to 30-10-2026, UTI Children's Equity Fund (Direct) returned 7.4% a year and UTI - Master Equity Plan Unit Scheme (Regular) returned 7.2% a year. UTI Children's Equity Fund charges 1.39% a year and UTI - Master Equity Plan Unit Scheme 1.36%. Their portfolios overlap 60.3%: they hold 37 of the same securities.
UTI Children's Equity Fund
Solution
- 3 year return
- 7.4%
- Expense ratio
- 1.39%
- NAV
- ₹86.57
UTI - Master Equity Plan Unit Scheme
ELSS
- 3 year return
- 7.2%
- Expense ratio
- 1.36%
- NAV
- ₹215.44
Which is better, UTI Children's Equity or UTI - Master Equity Plan Unit Scheme? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- UTI - Master Equity Plan Unit Scheme returned more over 5 years: 6.0% a year against 5.8%.
- UTI Children's Equity returned more over 3 years: 7.4% a year against 7.2%.
- UTI - Master Equity Plan Unit Scheme costs less: 1.36% a year against 1.39%.
- UTI - Master Equity Plan Unit Scheme swung less over 3 years: a standard deviation of 12.4% a year against 12.7%.
- UTI Children's Equity fell less in its worst fall since 02-01-2013: −35.2% against −38.0%.
- UTI - Master Equity Plan Unit Scheme holds more in large companies: 81.4% of the fund in large caps against 70.3%.
- UTI - Master Equity Plan Unit Scheme is the larger fund: ₹2,652 Cr against ₹1,063 Cr.
- Their portfolios overlap 60.3%: 37 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 | UTI Children's Equity Fund | UTI - Master Equity Plan Unit Scheme |
|---|---|---|
| Fund house | UTI Mutual Fund | UTI Mutual Fund |
| Category | Solution | ELSS |
| AUM | ₹1,063 Cr (30-09-2026) | ₹2,652 Cr (30-09-2026) |
| NAV | ₹86.57 (Direct) | ₹215.44 (Regular) |
| Expense ratio (Direct) | 1.39% | Not available |
| Expense ratio (Regular) | 2.26% | 1.36% |
| Riskometer | Very High | Not available |
| Benchmark | Nifty 500 TRI | Not available |
| Launch date | 30-01-2008 | Not available |
| Minimum investment | Regular Plan-Scholarship- Discontinued, Regular Plan-Growth- Rs.1000, Regular Plan-Reinvestment of IDCW- Rs.1000, Regular Plan-Payout of IDCW- Rs.1000, Direct Plan-Scholarship- Discontinued, Direct Plan-Growth- Rs.1000, Direct Plan-Reinvestment of IDCW- R | Not available |
| Lock in | 5 years, or until retirement if earlier | Not available |
| Fund managers | Sachin Trivedi FM 1, Not Applicable FM 2, Not Applicable FM 3, Not Applicable FM 4 | Not available |
| Exit load | Nil | Not available |
UTI Children's Equity vs UTI - Master Equity Plan Unit Scheme: 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 |
|---|---|---|---|---|---|---|---|
| UTI Children's Equity Fund (Direct) | +0.62% | −5.92% | −2.53% | −10.13% | +7.37% | +5.77% | +11.16% |
| UTI - Master Equity Plan Unit Scheme (Regular) | +1.76% | −4.05% | −0.82% | −8.63% | +7.20% | +5.98% | +9.29% |
| ELSS average | −2.38% | −5.77% | −2.09% | −6.60% | +9.82% | +9.22% | +11.87% |
Category average: the average of the 50 ELSS funds, same plan type.
UTI Children's Equity vs UTI - Master Equity Plan Unit Scheme: Year-wise Returns
| Year | Children's EquityUTI Children's Equity | - Master Equity Plan Unit SchemeUTI - Master Equity Plan Unit Scheme |
|---|---|---|
| 2026to date | −9.61% | −9.21% |
| 2025 | +4.74% | +8.50% |
| 2024 | +14.75% | +11.31% |
| 2023 | +25.00% | +21.08% |
| 2022 | −2.94% | +1.24% |
| 2021 | +34.10% | +29.14% |
UTI Children's Equity vs UTI - Master Equity Plan Unit Scheme: Rolling Returns
Every holding period of both funds, against Nifty 500 TRI, the benchmark of UTI Children's Equity Fund
Rolling returns
Every 3-year holding period, 2,666 of them, one for each trading day from 04-01-2016 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.
UTI Children's Equity Fund (Direct)
UTI - Master Equity Plan Unit Scheme (Regular)
Nifty 500 TRI
to
Nov 2016Sept 2015
to
Sept 2018Jul 2017
to
Jul 2020May 2019
to
May 2022Mar 2021
to
Mar 2024Dec 2022
to
Dec 2025
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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| UTI Children's Equity | 1.7 | 4.7 | 9.6 | 42.9 | 28.1 | 11.8 | 1.2 | 14.1% | 14.2% | −5.1% | 29.9% | 44% |
| UTI - Master Equity Plan Unit Scheme | 4.1 | 4.4 | 22.6 | 44.3 | 19.2 | 4.9 | 0.5 | 11.8% | 12.0% | −8.0% | 28.9% | 1% |
| Nifty 500 TRI | 1.9 | 4.3 | 7.8 | 37.0 | 34.8 | 11.3 | 2.9 | 14.7% | 14.9% | −6.3% | 33.5% | -- |
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 500 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 02-01-2013. Past returns do not promise future returns.
UTI Children's Equity vs UTI - Master Equity Plan Unit Scheme: 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 02-01-2013 to 30-10-2026: 166 instalments, ₹16,60,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| UTI Children's EquityUTI Children's Equity Fund (Direct) | ₹16,60,000 | ₹38,21,315 | ₹21,61,315 | 11.3% |
| UTI - Master Equity Plan Unit SchemeUTI - Master Equity Plan Unit Scheme (Regular) | ₹16,60,000 | ₹33,73,147 | ₹17,13,147 | 9.7% |
UTI Children's EquityUTI Children's Equity Fund (Direct)
UTI - Master Equity Plan Unit SchemeUTI - Master Equity Plan Unit Scheme (Regular)
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.
UTI Children's Equity vs UTI - Master Equity Plan Unit Scheme: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | UTI Children's Equity Fund (Direct) | UTI - Master Equity Plan Unit Scheme (Regular) |
|---|---|---|
| Return (CAGR) | −10.13% | −8.63% |
| Standard deviation | 12.95% | 13.24% |
| Sharpe ratio | -1.19 | -1.05 |
| Sortino ratio | -1.57 | -1.39 |
| Maximum drawdown | −15.2% (31-03-2026) | −15.5% (31-03-2026) |
| Beta | 0.88 | 0.95 |
| Alpha | −4.30% | −0.47% |
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 | UTI Children's Equity Fund (Direct) | UTI - Master Equity Plan Unit Scheme (Regular) |
|---|---|---|
| Return (CAGR) | +7.37% | +7.20% |
| Standard deviation | 12.69% | 12.36% |
| Sharpe ratio | 0.11 | 0.10 |
| Sortino ratio | 0.15 | 0.13 |
| Maximum drawdown | −18.7% (28-02-2025) | −17.1% (31-03-2026) |
| Beta | 0.86 | 0.90 |
| Alpha | −2.27% | −1.46% |
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 | UTI Children's Equity Fund (Direct) | UTI - Master Equity Plan Unit Scheme (Regular) |
|---|---|---|
| Return (CAGR) | +5.77% | +5.98% |
| Standard deviation | 13.16% | 12.88% |
| Sharpe ratio | -0.00 | 0.01 |
| Sortino ratio | -0.00 | 0.02 |
| Maximum drawdown | −21.3% (17-06-2022) | −18.1% (17-06-2022) |
| Beta | 0.89 | 0.91 |
| Alpha | −2.71% | −1.63% |
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 | UTI Children's Equity Fund (Direct) | UTI - Master Equity Plan Unit Scheme (Regular) |
|---|---|---|
| Return (CAGR) | +12.00% | +9.28% |
| Standard deviation | 15.04% | 15.40% |
| Sharpe ratio | 0.40 | 0.20 |
| Sortino ratio | 0.53 | 0.27 |
| Maximum drawdown | −35.2% (23-03-2020) | −38.0% (23-03-2020) |
| Beta | 0.93 | 0.94 |
| Alpha | −0.31% | −0.99% |
From daily NAVs, 02-01-2013 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.
UTI Children's Equity Fund (Direct)
UTI - Master Equity Plan Unit Scheme (Regular)
Nifty 500 TRI
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| UTI Children's Equity Fund (Direct) | −35.2% | 12-02-2020 | 23-03-2020 | 06-11-2020 | 7 months | −13.9% |
| UTI - Master Equity Plan Unit Scheme (Regular) | −38.0% | 28-08-2018 | 23-03-2020 | 17-11-2020 | 8 months | −11.4% |
| Nifty 500 TRI | −38.1% | 17-01-2020 | 23-03-2020 | 06-11-2020 | 7 months | −8.8% |
From daily values since 02-01-2013, 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.
UTI Children's Equity Fund (Direct)
UTI - Master Equity Plan Unit Scheme (Regular)
Nifty 500 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.
UTI Children's Equity Fund (Direct)
UTI - Master Equity Plan Unit Scheme (Regular)
Nifty 500 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.
UTI Children's Equity Fund (Direct)
UTI - Master Equity Plan Unit Scheme (Regular)
Nifty 500 TRI
Against Nifty 500 TRI
| Fund | Up capture | Down capture | Tracking error |
|---|---|---|---|
| UTI Children's Equity Fund (Direct) | 94% | 93% | 3.57% |
| UTI - Master Equity Plan Unit Scheme (Regular) | 90% | 95% | 3.29% |
From month-end values since 02-01-2013. 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.
UTI Children's Equity vs UTI - Master Equity Plan Unit Scheme: Portfolio Overlap
From each fund's latest monthly portfolio: UTI Children's Equity Fund, September 2026; UTI - Master Equity Plan Unit Scheme, September 2026
Holdings in common
- Overlap
- 60.3%
- Held by both
- 37
- Only in UTI Children's Equity
- 33
- Only in UTI - Master Equity Plan Unit Scheme
- 30
| Security | % of UTI Children's Equity | % of UTI - Master Equity Plan Unit Scheme |
|---|---|---|
| EQ - HDFC BANK LIMITED | 7.65% | 9.10% |
| EQ - ICICI BANK LTD | 7.43% | 8.93% |
| EQ - BHARTI AIRTEL LTD. | 4.38% | 4.07% |
| EQ - RELIANCE INDUSTRIES LTD. | 3.92% | 5.03% |
| EQ - BAJAJ FINANCE LTD. | 3.96% | 3.21% |
| EQ - AXIS BANK LTD. | 3.89% | 3.14% |
| EQ - INFOSYS LTD. | 3.10% | 3.18% |
| EQ - KOTAK MAHINDRA BANK LTD. | 2.73% | 5.04% |
| EQ - ETERNAL LIMITED | 2.61% | 2.82% |
| EQ - LARSEN & TOUBRO LTD. | 1.76% | 4.06% |
| EQ - STATE BANK OF INDIA | 1.99% | 1.62% |
| EQ - MARUTI SUZUKI INDIA LTD. | 2.72% | 1.48% |
| EQ - MAHINDRA & MAHINDRA LTD. | 1.36% | 1.46% |
| EQ - JSW STEEL LTD. | 1.42% | 1.12% |
| EQ - LTM Limited | 1.11% | 1.78% |
| EQ - ULTRATECH CEMENT LTD. | 1.08% | 1.82% |
| EQ - TITAN COMPANY LTD. | 1.29% | 1.05% |
| EQ - TECH MAHINDRA LTD. | 1.73% | 0.93% |
| EQ - TATA CONSUMER PRODUCTS LTD | 0.93% | 1.41% |
| EQ - JUBILANT FOODWORKS LTD. | 0.92% | 0.91% |
| EQ - TATA CONSULTANCY SERVICES LTD. | 0.83% | 1.22% |
| EQ - COAL INDIA LTD. | 0.82% | 1.15% |
| EQ - HDFC LIFE INSURANCE COMPANY LI | 0.79% | 1.23% |
| EQ - VEDANTA ALUMINIUM METAL LTD. | 0.78% | 0.78% |
| EQ - POWER GRID CORPORATION OF INDI | 0.76% | 1.40% |
| EQ - ASTRAL LTD. | 0.69% | 0.77% |
| EQ - BHARAT ELECTRONICS LTD. | 0.78% | 0.60% |
| EQ - DR REDDYS LABORATORIES LTD. | 0.80% | 0.59% |
| EQ - METRO BRANDS LTD | 0.71% | 0.53% |
| EQ - PB FINTECH LTD | 0.54% | 0.51% |
| EQ - AVENUE SUPERMARTS LTD. | 0.50% | 0.47% |
| EQ - ADANI ENTERPRISES LTD. | 0.62% | 0.44% |
| EQ - TATA CAPITAL LTD | 0.44% | 0.62% |
| EQ - OIL & NATURAL GAS CORPORATION | 0.27% | 0.98% |
| EQ - SAMVARDHANA MOTHERSON INTL LTD | 1.32% | 0.23% |
| EQ - TRENT LIMITED | 0.19% | 1.32% |
| EQ - BHARAT PETROLEUM CORPN LTD. | 0.18% | 0.40% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 60.3% means 60.3% 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 UTI Children's Equity Fund
| Security | % of fund |
|---|---|
| EQ - AJANTA PHARMA LTD. | 2.32% |
| EQ - PHOENIX MILLS LTD | 1.81% |
| EQ - NESTLE INDIA LTD. | 1.43% |
| EQ - ICICI LOMBARD GENERAL INSURANC | 1.41% |
| EQ - SHREE CEMENT LTD. | 1.39% |
Largest holdings only in UTI - Master Equity Plan Unit Scheme
| Security | % of fund |
|---|---|
| EQ - HINDUSTAN AERONAUTICS LTD | 1.40% |
| EQ - SBI LIFE INSURANCE COMPANY LTD | 1.16% |
| EQ - HYUNDAI MOTOR INDIA LTD | 1.06% |
| EQ - ITC LTD. | 1.06% |
| EQ - MAX HEALTHCARE INSTITUTE LTD | 1.01% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | UTI Children's Equity | UTI - Master Equity Plan Unit Scheme |
|---|---|---|
| Equity | 94.4% | 94.1% |
| Debt | 0.0% | 0.4% |
| Cash and others | 5.6% | 5.5% |
Market cap of stocks
| Market cap | UTI Children's Equity | UTI - Master Equity Plan Unit Scheme |
|---|---|---|
| Large Cap | 70.3% | 81.4% |
| Mid Cap | 15.7% | 10.2% |
| Small Cap | 8.4% | 2.2% |
| Not on AMFI's list | 0.1% | 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 | UTI Children's Equity | UTI - Master Equity Plan Unit Scheme |
|---|---|---|
| Banks | 24.7% | 28.4% |
| IT - Software | 7.9% | 8.1% |
| Consumer Durables | 5.8% | 2.8% |
| Automobiles | 5.7% | 5.5% |
| Petroleum Products | 4.1% | 5.4% |
| Retailing | 4.0% | 5.4% |
| Finance | 5.1% | 3.8% |
| Telecom - Services | 4.4% | 4.1% |
The six largest sectors of each fund's stocks, % of the fund.
UTI Children's Equity vs UTI - Master Equity Plan Unit Scheme: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | UTI Children's Equity Fund | UTI - Master Equity Plan Unit Scheme |
|---|---|---|
| Total expense ratio (Direct) | 1.39% | Not available |
| Base expense ratio (Direct) | 1.11% | 0.00% |
| Total expense ratio (Regular) | 2.26% | 1.36% |
| Base expense ratio (Regular) | 1.91% | 1.00% |
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
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UTI Children's Equity Fund vs UTI - Master Equity Plan Unit Scheme: Frequently Asked Questions
What is the difference between UTI Children's Equity Fund and UTI - Master Equity Plan Unit Scheme?
UTI Children's Equity Fund is a Solution fund, UTI - Master Equity Plan Unit Scheme is an ELSS fund, run by UTI Mutual Fund. Their portfolios overlap 60.3%. UTI Children's Equity Fund charges 1.39% a year and UTI - Master Equity Plan Unit Scheme 1.36%.
Which has given higher returns, UTI Children's Equity Fund or UTI - Master Equity Plan Unit Scheme?
Over 1 year: UTI Children's Equity Fund −10.13%, UTI - Master Equity Plan Unit Scheme −8.63%. Over 3 years: UTI Children's Equity Fund +7.37% a year, UTI - Master Equity Plan Unit Scheme +7.20% a year. Over 5 years: UTI Children's Equity Fund +5.77% a year, UTI - Master Equity Plan Unit Scheme +5.98% a year. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, UTI Children's Equity Fund or UTI - Master Equity Plan Unit Scheme?
UTI - Master Equity Plan Unit Scheme charges less: 1.36% a year against 1.39%. These are the total expense ratios reported to AMFI.
How much do UTI Children's Equity Fund and UTI - Master Equity Plan Unit Scheme overlap?
60.3%. They hold 37 of the same securities, the largest shared ones being HDFCBANK, ICICIBANK, BHARTIARTL. From each fund's latest monthly portfolio.
Which is better for SIP, UTI Children's Equity Fund or UTI - Master Equity Plan Unit Scheme?
Over the last 5 years, a monthly SIP of ₹10,000 from 01-10-2021 to 30-10-2026 grew to ₹6,90,228 in UTI Children's Equity Fund (XIRR 4.8% a year) and ₹6,93,417 in UTI - Master Equity Plan Unit Scheme (XIRR 5.0% a year). Both received 61 instalments. Past returns do not promise future returns.
Can I invest in both UTI Children's Equity Fund and UTI - Master Equity Plan Unit Scheme?
Yes. 60.3% of each fund's money sits in the same holdings, so a large part of the two investments would move together.
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.