UTI Focused Fund (30 stocks) vs UTI - Master Equity Plan Unit Scheme
Direct Plan where a fund has one, Growth option · Data as on 30-10-2026
UTI Focused Fund (30 stocks) is a Focused fund and UTI - Master Equity Plan Unit Scheme is an ELSS fund. In the 3 years to 30-10-2026, UTI Focused Fund (30 stocks) (Direct) returned 10.0% a year and UTI - Master Equity Plan Unit Scheme (Regular) returned 7.2% a year. UTI Focused Fund (30 stocks) charges 1.15% a year and UTI - Master Equity Plan Unit Scheme 1.36%. Their portfolios overlap 48.6%: they hold 19 of the same securities.
UTI Focused Fund (30 stocks)
Focused
- 3 year return
- 10.0%
- Expense ratio
- 1.15%
- NAV
- ₹15.94
UTI - Master Equity Plan Unit Scheme
ELSS
- 3 year return
- 7.2%
- Expense ratio
- 1.36%
- NAV
- ₹215.44
Which is better, UTI Focused Fund (30 stocks) 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 Focused Fund (30 stocks) returned more over 5 years: 8.9% a year against 6.0%.
- UTI Focused Fund (30 stocks) returned more over 3 years: 10.0% a year against 7.2%.
- UTI Focused Fund (30 stocks) costs less: 1.15% a year against 1.36%.
- UTI - Master Equity Plan Unit Scheme swung less over 3 years: a standard deviation of 12.4% a year against 13.4%.
- UTI - Master Equity Plan Unit Scheme fell less in its worst fall since 26-08-2021: −18.1% against −19.3%.
- UTI - Master Equity Plan Unit Scheme is the larger fund: ₹2,652 Cr against ₹2,310 Cr.
- Their portfolios overlap 48.6%: 19 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 Focused Fund (30 stocks) | UTI - Master Equity Plan Unit Scheme |
|---|---|---|
| Fund house | UTI Mutual Fund | UTI Mutual Fund |
| Category | Focused | ELSS |
| AUM | ₹2,310 Cr (30-09-2026) | ₹2,652 Cr (30-09-2026) |
| NAV | ₹15.94 (Direct) | ₹215.44 (Regular) |
| Expense ratio (Direct) | 1.15% | Not available |
| Expense ratio (Regular) | 2.27% | 1.36% |
| Riskometer | Very High | Not available |
| Benchmark | Nifty 500 TRI | Not available |
| Launch date | 25-08-2021 | Not available |
| Minimum investment | Regular Plan-Growth- Rs.5000, Direct Plan-Growth- Rs.5000, Regular-Payout of IDCW- Rs.5000, Direct -Payout of IDCW- Rs.5000, | Not available |
| Lock in | None | Not available |
| Fund managers | Vishal Chopda FM 1, Not ApplicableFM 2, Not Applicable FM 3, Not Applicable FM 4 | Not available |
| Exit load | W.e.f. 25-08-2021 Exit Load: Less than one year: 1% and Greater than or equal to one year: Nil | Not available |
UTI Focused Fund (30 stocks) 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 Focused Fund (30 stocks) (Direct) | +0.96% | −3.85% | +0.74% | −6.03% | +10.02% | +8.89% | -- |
| UTI - Master Equity Plan Unit Scheme (Regular) | +1.76% | −4.05% | −0.82% | −8.63% | +7.20% | +5.98% | +9.29% |
| Focused average | −1.00% | −4.12% | +1.39% | −3.09% | +12.30% | +10.21% | -- |
| ELSS average | −2.38% | −5.77% | −2.09% | −6.60% | +9.82% | +9.22% | +11.87% |
Category average: the average of the 28 Focused funds and the 50 ELSS funds, same plan type.
UTI Focused Fund (30 stocks) vs UTI - Master Equity Plan Unit Scheme: Year-wise Returns
| Year | Focused Fund (30 stocks)UTI Focused Fund (30 stocks) | - Master Equity Plan Unit SchemeUTI - Master Equity Plan Unit Scheme |
|---|---|---|
| 2026to date | −5.66% | −9.21% |
| 2025 | +8.03% | +8.50% |
| 2024 | +14.36% | +11.31% |
| 2023 | +30.85% | +21.08% |
| 2022 | +1.36% | +1.24% |
| 2021 | -- | +29.14% |
UTI Focused Fund (30 stocks) vs UTI - Master Equity Plan Unit Scheme: Rolling Returns
Every holding period of both funds, against Nifty 500 TRI, the benchmark of UTI Focused Fund (30 stocks)
Rolling returns
Every 3-year holding period, 538 of them, one for each trading day from 26-08-2024 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 Focused Fund (30 stocks) (Direct)
UTI - Master Equity Plan Unit Scheme (Regular)
Nifty 500 TRI
to
Oct 2024Mar 2022
to
Mar 2025Jul 2022
to
Jul 2025Dec 2022
to
Dec 2025Apr 2023
to
Apr 2026Aug 2023
to
Aug 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| UTI Focused Fund (30 stocks) | 0.0 | 0.0 | 5.2 | 27.9 | 61.2 | 5.8 | 0.0 | 15.6% | 16.0% | 8.2% | 22.6% | 50% |
| UTI - Master Equity Plan Unit Scheme | 0.0 | 0.0 | 26.0 | 64.7 | 9.3 | 0.0 | 0.0 | 11.8% | 12.2% | 5.3% | 18.6% | 0% |
| Nifty 500 TRI | 0.0 | 0.0 | 3.5 | 35.1 | 55.9 | 5.4 | 0.0 | 15.5% | 15.6% | 8.8% | 22.3% | -- |
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 26-08-2021. Past returns do not promise future returns.
UTI Focused Fund (30 stocks) 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 26-08-2021 to 30-10-2026: 63 instalments, ₹6,30,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| UTI Focused Fund (30 stocks)UTI Focused Fund (30 stocks) (Direct) | ₹6,30,000 | ₹7,80,976 | ₹1,50,976 | 8.1% |
| UTI - Master Equity Plan Unit SchemeUTI - Master Equity Plan Unit Scheme (Regular) | ₹6,30,000 | ₹7,21,763 | ₹91,763 | 5.1% |
UTI Focused Fund (30 stocks)UTI Focused Fund (30 stocks) (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 Focused Fund (30 stocks) 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 Focused Fund (30 stocks) (Direct) | UTI - Master Equity Plan Unit Scheme (Regular) |
|---|---|---|
| Return (CAGR) | −6.03% | −8.63% |
| Standard deviation | 14.86% | 13.24% |
| Sharpe ratio | -0.76 | -1.05 |
| Sortino ratio | -1.02 | -1.39 |
| Maximum drawdown | −15.0% (31-03-2026) | −15.5% (31-03-2026) |
| Beta | 1.01 | 0.95 |
| Alpha | +1.38% | −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 Focused Fund (30 stocks) (Direct) | UTI - Master Equity Plan Unit Scheme (Regular) |
|---|---|---|
| Return (CAGR) | +10.02% | +7.20% |
| Standard deviation | 13.45% | 12.36% |
| Sharpe ratio | 0.30 | 0.10 |
| Sortino ratio | 0.41 | 0.13 |
| Maximum drawdown | −19.3% (28-02-2025) | −17.1% (31-03-2026) |
| Beta | 0.90 | 0.90 |
| Alpha | +0.22% | −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 Focused Fund (30 stocks) (Direct) | UTI - Master Equity Plan Unit Scheme (Regular) |
|---|---|---|
| Return (CAGR) | +8.89% | +5.98% |
| Standard deviation | 13.48% | 12.88% |
| Sharpe ratio | 0.23 | 0.01 |
| Sortino ratio | 0.31 | 0.02 |
| Maximum drawdown | −19.3% (28-02-2025) | −18.1% (17-06-2022) |
| Beta | 0.89 | 0.91 |
| Alpha | +0.40% | −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 Focused Fund (30 stocks) (Direct) | UTI - Master Equity Plan Unit Scheme (Regular) |
|---|---|---|
| Return (CAGR) | +9.41% | +9.28% |
| Standard deviation | 13.35% | 15.40% |
| Sharpe ratio | 0.28 | 0.20 |
| Sortino ratio | 0.38 | 0.27 |
| Maximum drawdown | −19.3% (28-02-2025) | −38.0% (23-03-2020) |
| Beta | 0.89 | 0.94 |
| Alpha | −0.06% | −0.99% |
From daily NAVs, 26-08-2021 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.
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 Focused Fund (30 stocks) (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 Focused Fund (30 stocks) (Direct) | −19.3% | 26-09-2024 | 28-02-2025 | Not yet | -- | −10.5% |
| UTI - Master Equity Plan Unit Scheme (Regular) | −18.1% | 17-01-2022 | 17-06-2022 | 30-11-2022 | 5 months | −11.4% |
| Nifty 500 TRI | −18.6% | 26-09-2024 | 28-02-2025 | Not yet | -- | −8.8% |
From daily values since 26-08-2021, 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 Focused Fund (30 stocks) (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 Focused Fund (30 stocks) (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 Focused Fund (30 stocks) (Direct)
UTI - Master Equity Plan Unit Scheme (Regular)
Nifty 500 TRI
Against Nifty 500 TRI
| Fund | Up capture | Down capture | Tracking error |
|---|---|---|---|
| UTI Focused Fund (30 stocks) (Direct) | 92% | 88% | 4.53% |
| UTI - Master Equity Plan Unit Scheme (Regular) | 82% | 90% | 3.89% |
From month-end values since 26-08-2021. 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 Focused Fund (30 stocks) vs UTI - Master Equity Plan Unit Scheme: Portfolio Overlap
From each fund's latest monthly portfolio: UTI Focused Fund (30 stocks), September 2026; UTI - Master Equity Plan Unit Scheme, September 2026
Holdings in common
- Overlap
- 48.6%
- Held by both
- 19
- Only in UTI Focused Fund (30 stocks)
- 10
- Only in UTI - Master Equity Plan Unit Scheme
- 48
| Security | % of UTI Focused Fund (30 stocks) | % of UTI - Master Equity Plan Unit Scheme |
|---|---|---|
| EQ - ICICI BANK LTD | 9.04% | 8.93% |
| EQ - HDFC BANK LIMITED | 8.13% | 9.10% |
| EQ - RELIANCE INDUSTRIES LTD. | 5.96% | 5.03% |
| EQ - BHARTI AIRTEL LTD. | 4.37% | 4.07% |
| EQ - LARSEN & TOUBRO LTD. | 4.88% | 4.06% |
| EQ - BAJAJ FINANCE LTD. | 3.95% | 3.21% |
| EQ - ETERNAL LIMITED | 5.54% | 2.82% |
| EQ - LTM Limited | 2.98% | 1.78% |
| EQ - STATE BANK OF INDIA | 4.57% | 1.62% |
| EQ - MAHINDRA & MAHINDRA LTD. | 3.64% | 1.46% |
| EQ - TATA CONSUMER PRODUCTS LTD | 2.88% | 1.41% |
| EQ - HINDUSTAN AERONAUTICS LTD | 2.22% | 1.40% |
| EQ - JSW STEEL LTD. | 2.98% | 1.12% |
| EQ - HYUNDAI MOTOR INDIA LTD | 1.93% | 1.06% |
| EQ - TATA MOTORS LTD | 2.37% | 0.78% |
| EQ - PB FINTECH LTD | 1.34% | 0.51% |
| EQ - ADANI ENTERPRISES LTD. | 2.01% | 0.44% |
| EQ - ADANI PORTS AND SPECIAL ECONO | 2.34% | 0.42% |
| EQ - MEESHO LTD | 2.42% | 0.33% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 48.6% means 48.6% 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 Focused Fund (30 stocks)
| Security | % of fund |
|---|---|
| EQ - COFORGE LTD | 3.29% |
| EQ - AJANTA PHARMA LTD. | 3.16% |
| EQ - SHRIRAM FINANCE LTD | 3.11% |
| EQ - AUROBINDO PHARMA LTD. | 2.79% |
| EQ - PHOENIX MILLS LTD | 2.51% |
Largest holdings only in UTI - Master Equity Plan Unit Scheme
| Security | % of fund |
|---|---|
| EQ - KOTAK MAHINDRA BANK LTD. | 5.04% |
| EQ - INFOSYS LTD. | 3.18% |
| EQ - AXIS BANK LTD. | 3.14% |
| EQ - ULTRATECH CEMENT LTD. | 1.82% |
| EQ - MARUTI SUZUKI INDIA LTD. | 1.48% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | UTI Focused Fund (30 stocks) | UTI - Master Equity Plan Unit Scheme |
|---|---|---|
| Equity | 97.9% | 94.1% |
| Debt | 0.0% | 0.4% |
| Cash and others | 2.1% | 5.5% |
Market cap of stocks
| Market cap | UTI Focused Fund (30 stocks) | UTI - Master Equity Plan Unit Scheme |
|---|---|---|
| Large Cap | 74.9% | 81.4% |
| Mid Cap | 21.1% | 10.2% |
| Small Cap | 1.9% | 2.2% |
| 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 | UTI Focused Fund (30 stocks) | UTI - Master Equity Plan Unit Scheme |
|---|---|---|
| Banks | 21.7% | 28.4% |
| IT - Software | 6.3% | 8.1% |
| Retailing | 8.0% | 5.4% |
| Finance | 7.1% | 3.8% |
| Petroleum Products | 6.0% | 5.4% |
| Pharmaceuticals & Biotechnology | 6.0% | 2.4% |
| Automobiles | 5.6% | 5.5% |
| Telecom - Services | 4.4% | 4.1% |
The six largest sectors of each fund's stocks, % of the fund.
UTI Focused Fund (30 stocks) vs UTI - Master Equity Plan Unit Scheme: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | UTI Focused Fund (30 stocks) | UTI - Master Equity Plan Unit Scheme |
|---|---|---|
| Total expense ratio (Direct) | 1.15% | Not available |
| Base expense ratio (Direct) | 0.73% | 0.00% |
| Total expense ratio (Regular) | 2.27% | 1.36% |
| Base expense ratio (Regular) | 1.73% | 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
Compare UTI Focused Fund (30 stocks) with
Compare UTI - Master Equity Plan Unit Scheme with
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- UTI - Master Equity Plan Unit Scheme vs Motilal Oswal ELSS Tax Saver
- UTI - Master Equity Plan Unit Scheme vs HSBC ELSS Tax saver
- UTI - Master Equity Plan Unit Scheme vs JM ELSS - Tax Saver
- UTI - Master Equity Plan Unit Scheme vs Bank Of India Mid Cap Tax Fund Series 1
UTI Focused Fund (30 stocks) vs UTI - Master Equity Plan Unit Scheme: Frequently Asked Questions
What is the difference between UTI Focused Fund (30 stocks) and UTI - Master Equity Plan Unit Scheme?
UTI Focused Fund (30 stocks) is a Focused fund, UTI - Master Equity Plan Unit Scheme is an ELSS fund, run by UTI Mutual Fund. Their portfolios overlap 48.6%. UTI Focused Fund (30 stocks) charges 1.15% a year and UTI - Master Equity Plan Unit Scheme 1.36%.
Which has given higher returns, UTI Focused Fund (30 stocks) or UTI - Master Equity Plan Unit Scheme?
Over 1 year: UTI Focused Fund (30 stocks) −6.03%, UTI - Master Equity Plan Unit Scheme −8.63%. Over 3 years: UTI Focused Fund (30 stocks) +10.02% a year, UTI - Master Equity Plan Unit Scheme +7.20% a year. Over 5 years: UTI Focused Fund (30 stocks) +8.89% 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 Focused Fund (30 stocks) or UTI - Master Equity Plan Unit Scheme?
UTI Focused Fund (30 stocks) charges less: 1.15% a year against 1.36%. These are the total expense ratios reported to AMFI.
How much do UTI Focused Fund (30 stocks) and UTI - Master Equity Plan Unit Scheme overlap?
48.6%. They hold 19 of the same securities, the largest shared ones being ICICIBANK, HDFCBANK, RELIANCE. From each fund's latest monthly portfolio.
Which is better for SIP, UTI Focused Fund (30 stocks) 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 ₹7,49,344 in UTI Focused Fund (30 stocks) (XIRR 8.0% 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 Focused Fund (30 stocks) and UTI - Master Equity Plan Unit Scheme?
Yes. 48.6% 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.