UTI - Equity Savings Fund is an Equity Savings fund run by UTI Mutual Fund. On 30-09-2026, it managed ₹804 Cr of investors' money. In the 3 years to 30-10-2026, its Direct plan returned 8.1% a year and its Regular plan returned 7.1% a year.
NAV (Direct plan)
₹20.08
▲ 0.28% · 30-10-2026
NAV (Regular plan)
₹18.63
▲ 0.28% · 30-10-2026
Expense ratio
1.04%Direct2.06%Regular
1.04%
A year
Riskometer
Moderately High
Set by the fund house
3 year return
8.1%Direct7.1%Regular
8.1%
A year
UTI - Equity Savings Fund NAV Today
NAV on 30-10-2026: Direct Plan Growth ₹20.08 (up 0.28% that day); Regular Plan Growth ₹18.63 (up 0.28% that day).
This fund (Direct plan)
₹20.0774
UTI - Equity Savings Fund Returns vs Equity Savings Funds
Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.
Trailing returns
Period
1M
3M
6M
1Y
3Y
5Y
10Y
This fund (Direct)
+0.33%
−1.35%
+0.15%
+0.72%
+8.11%
+8.28%
--
This fund (Regular)
+0.25%
−1.60%
−0.35%
−0.27%
+7.08%
+7.31%
--
Equity Savings average
−0.02%
−0.68%
+1.71%
+2.12%
+8.55%
+7.55%
--
Best in Equity Savings
+0.76%
+0.84%
+5.12%
+6.16%
+12.81%
+9.34%
--
Worst in Equity Savings
−1.35%
−2.08%
−0.15%
−1.58%
+6.34%
+5.74%
--
Rank in Equity Savings
6/23
21/23
21/23
16/23
13/20
4/17
--
Category rows compare the Direct plans of 23 Equity Savings funds. Rank 1 is the highest return. This fund's benchmark is CRISIL Equity Savings Index. Returns of that index are not available to us, so the category average is the comparison.
UTI - Equity Savings Fund Year-wise Returns
Return of each calendar year
Year
Direct
Regular
2026to date
−1.18%
−1.99%
2025
+9.55%
+8.41%
2024
+10.14%
+9.18%
2023
+16.68%
+15.73%
2022
+7.21%
+6.33%
2021
+14.98%
+14.03%
UTI - Equity Savings Fund Rolling Returns
The return of every holding period in the fund's history, not only the one that ends today
Rolling returns
Each point is the yearly return of one 3-year holding period, plotted on the day it ended. There are 1,272 periods, one for each trading day from 31-08-2021 to 30-10-2026.
0%5%10%15%20%
UTI - Equity Savings Fund (Direct)
Category average, 23 Equity Savings funds
Jan 2019 to Jan 2022Dec 2019 to Dec 2022Nov 2020 to Nov 2023Sept 2021 to Sept 2024Aug 2022 to Aug 2025Jun 2023 to Jun 2026
UTI - Equity Savings Fund (Direct)Category average, 23 Equity Savings funds
0%
0%
Below 0%
0%
0%
0-5%
16%
28%
5-10%
83%
72%
10-15%
2%
0%
15-20%
0%
0%
20-25%
0%
0%
Above 25%
Every holding period at a glance
Period
Periods
Median
Lowest
Highest
With a loss
Category median
Beat category
1 year
1,764
8.7%
−9.8%
33.2%
4%
9.0%
58%
2 years
1,520
11.5%
2.8%
21.5%
0%
11.2%
67%
3 years
1,272
11.4%
7.5%
16.2%
0%
10.7%
77%
5 years
777
11.6%
7.8%
15.3%
0%
10.7%
100%
7 years
286
10.2%
9.6%
10.9%
0%
10.0%
100%
Every SIP holding period at a glance
Period
Periods
Median
Lowest
Highest
With a loss
Category median
Beat category
1 year
87
9.3%
−16.4%
30.1%
8%
9.3%
60%
2 years
75
10.7%
2.2%
19.7%
0%
9.8%
72%
3 years
63
11.9%
4.3%
15.2%
0%
10.7%
79%
5 years
39
11.7%
7.3%
14.2%
0%
10.6%
95%
Lumpsum: the yearly rate (CAGR) from the NAV on a period's first day to the NAV on its last. SIP: the XIRR of the monthly instalments and their value on the last day. "With a loss" counts the periods that ended below the money put in. "Beat category" counts the periods in which the fund did better than the average of the 23 Equity Savings funds (Direct plans, each weighted the same) over the same days. Past returns do not promise future returns.
UTI - Equity Savings Fund Risk
How much it swings, and the falls an investor had to sit through
Risk and return
Measure
UTI - Equity Savings Fund (Direct)This fund
Category average
Return (CAGR)
+0.72%
+2.12%
Standard deviation
5.20%
4.23%
Sharpe ratio
-0.87
-0.74
Sortino ratio
-1.16
-0.98
Maximum drawdown
−4.9%
(30-03-2026)
−3.8%
(30-03-2026)
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.
Measure
UTI - Equity Savings Fund (Direct)This fund
Category average
Return (CAGR)
+8.11%
+8.75%
Standard deviation
4.43%
4.16%
Sharpe ratio
0.47
0.65
Sortino ratio
0.67
0.89
Maximum drawdown
−4.9%
(30-03-2026)
−3.8%
(28-02-2025)
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.
Measure
UTI - Equity Savings Fund (Direct)This fund
Category average
Return (CAGR)
+8.28%
+7.88%
Standard deviation
4.78%
4.34%
Sharpe ratio
0.52
0.48
Sortino ratio
0.73
0.65
Maximum drawdown
−5.1%
(20-06-2022)
−5.4%
(20-06-2022)
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.
Measure
UTI - Equity Savings Fund (Direct)This fund
Category average
Return (CAGR)
+8.90%
+8.75%
Standard deviation
5.72%
5.84%
Sharpe ratio
0.64
0.60
Sortino ratio
0.87
0.79
Maximum drawdown
−13.8%
(23-03-2020)
−16.0%
(23-03-2020)
From daily NAVs, 31-08-2018 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.
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.
−20%−15%−10%−5%0%
UTI - Equity Savings Fund (Direct)
Category average, 23 Equity Savings funds
20192020202120222023202420252026
UTI - Equity Savings Fund (Direct)Category average, 23 Equity Savings funds
Worst fall
High before it
Bottom
Back at the high
Time to climb back
Below its high today
UTI - Equity Savings Fund (Direct)
−13.8%
24-01-2020
23-03-2020
10-08-2020
5 months
−2.4%
Category average
−16.0%
12-02-2020
23-03-2020
18-08-2020
5 months
−1.6%
From the Direct plan's daily NAV since 31-08-2018, adjusted for unit splits, and the average of the 23 Equity Savings funds (Direct plans, each weighted the same) over the same days. "Time to climb back" runs from the bottom to the first day back at the old high.
UTI - Equity Savings Fund vs Other Equity Savings Funds
The five Equity Savings funds with the best three year return, and this fund. Direct plans.
AUM is each fund's size at the end of its last reported month, from its own portfolio file. We calculate the risk ratios from daily NAVs over the last three years. The risk-free return is what NSE's overnight rate index earned over the same years. Alpha and beta compare each fund with its own benchmark's TRI. "--" means we have no figure: for alpha and beta, no daily series for that benchmark.
UTI - Equity Savings Fund Expense Ratio and Costs
What each plan charges a year, in force from 01-09-2026
Plan
Base expense ratio
Brokerage
Transaction costs
Levies and GST
Total expense ratio
Equity Savings median
Cost rank (1 = cheapest)
Direct
0.62%
0.04%
0.00%
0.38%
1.04%
1.28%
4/23
Regular
1.52%
0.04%
0.00%
0.50%
2.06%
2.20%
9/23
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, the cost of executing trades, and statutory levies with GST. From AMFI's expense ratio file. Cost rank: where this plan comes when the Equity Savings funds' plans of the same type are sorted from the lowest total expense ratio to the highest.
Direct vs Regular: what the gap cost
Both plans own the same portfolio, so the difference in what they earned is the Regular plan's extra cost, taken out of its NAV.
Over the last
Regular
Direct
Direct earned more by
₹1 lakh became (Regular)
₹1 lakh became (Direct)
1 year
−0.27%
0.72%
0.99%
₹99,730
₹1,00,720
3 years
7.08%
8.11%
1.03% a year
₹1,22,779
₹1,26,357
5 years
7.31%
8.28%
0.97% a year
₹1,42,299
₹1,48,847
Returns over more than 1 year are a rate a year (CAGR). ₹1 lakh invested once at the start of each period, valued on the last NAV.
UTI - Equity Savings Fund SIP Calculator
What a one-time or monthly investment in this fund would be worth today, from its own NAV history
Growth of an investment
Step up each year
PeriodFor
₹10,000 on the first trading day of every month, from 31-08-2018 to 30-10-2026: 99 instalments, ₹9,90,000 in all.
Direct planUTI - Equity Savings Fund (Direct)Regular planUTI - Equity Savings Fund (Regular)Category averageCategory average, 23 Equity Savings fundsAmount invested
From each plan's published NAV (Growth option) and the category average, 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 - Equity Savings Fund Asset Allocation
Asset allocation as on 30-09-2026
What the fund holds
66.0%Equity
Asset
Fund
Category
Equity
66.0%
67.5%
Cash and others
17.4%
14.1%
Debt
16.6%
18.7%
Market cap of stocks
Market cap
Fund
Category
Large Cap
62.0%
52.2%
Mid Cap
3.7%
9.5%
Small Cap
0.0%
5.3%
Not on AMFI's list
0.3%
0.5%
Share of the whole fund. Category: the average of the Equity Savings funds that hold stocks. Groups follow AMFI's latest list, as SEBI defines them: Large Cap is the 100 largest companies, Mid Cap the next 150, Small Cap the rest.
Credit rating
Bonds and money market papers by credit rating, % of the fund. Category: the average of 23 Equity Savings funds.
Rating
Fund
Category
Sovereign
16.6%
7.7%
UTI - Equity Savings Fund Sector Allocation
Sector allocation of the fund's stocks as on 30-09-2026
Largest sectors
Banks20.9%
Automobiles7.5%
Telecom - Services4.6%
Finance4.2%
Cement & Cement Products3.4%
IT - Software3.4%
Petroleum Products2.8%
Construction2.4%
Power2.3%
Pharmaceuticals & Biotechnology2.3%
The ten largest of 23 sectors. The other 13 add up to 12.2%.
Sector changes
Sector
July 2026
August 2026
September 2026
Change
Banks
20.7%
21.8%
20.9%
+0.2%
Automobiles
8.3%
8.3%
7.5%
−0.7%
Telecom - Services
5.1%
4.7%
4.6%
−0.5%
Finance
5.3%
4.6%
4.2%
−1.1%
Cement & Cement Products
3.5%
3.7%
3.4%
−0.1%
Each sector's share of the fund at the end of each month. The five largest sectors of September 2026. Change: from July 2026 to September 2026, in % of the fund.
UTI - Equity Savings Fund Portfolio Holdings
As on 30-09-2026 · 53 holdings · from the fund house's monthly portfolio
Holdings
Sector / Rating
Weight%
Holdings trend
1M change
07.32% GSEC MAT -13/11/2030 · Government security
SOV
8.21%
7.04% GSEC MAT- 03/06/2029 · Government security
SOV
5.85%
EQ - AXIS BANK LTD.
Banks
5.13%
−3.0%
EQ - HDFC BANK LIMITED
Banks
4.65%
0.0%
EQ - MAHINDRA & MAHINDRA LTD.
Automobiles
3.81%
0.0%
EQ - KOTAK MAHINDRA BANK LTD.
Banks
3.65%
0.0%
EQ - GRASIM INDUSTRIES LTD.
Cement & Cement Products
3.43%
0.0%
EQ - BHARTI AIRTEL LTD.
Telecom - Services
3.33%
0.0%
EQ - STATE BANK OF INDIA
Banks
3.27%
0.0%
EQ - ICICI BANK LTD
Banks
3.17%
0.0%
EQ - RELIANCE INDUSTRIES LTD.
Petroleum Products
2.83%
+76.3%
INVIT - IRB INVIT FUND
-
2.73%
7.06% GS MAT - 10/04/2028 · Government security
SOV
2.51%
EQ - LARSEN & TOUBRO LTD.
Construction
2.35%
0.0%
EQ - BAJAJ FINANCE LTD.
Finance
2.28%
0.0%
EQ - MARUTI SUZUKI INDIA LTD.
Automobiles
2.17%
0.0%
INVIT - INDUS INFRA TRUST
-
1.75%
EQ - JSW STEEL LTD.
Ferrous Metals
1.54%
0.0%
EQ - ITC LTD.
Diversified FMCG
1.38%
+31.1%
EQ - INDUS TOWERS LIMITED
Telecom - Services
1.27%
0.0%
EQ - SBI LIFE INSURANCE COMPANY LTD
Insurance
1.10%
0.0%
EQ - AUROBINDO PHARMA LTD.
Pharmaceuticals & Biotechnology
1.07%
0.0%
EQ - HINDUSTAN AERONAUTICS LTD
Aerospace & Defense
1.05%
+74.4%
EQ - INFOSYS LTD.
IT - Software
1.04%
0.0%
EQ - SHRIRAM FINANCE LTD
Finance
1.03%
0.0%
EQ - INTERGLOBE AVIATION LTD
Transport Services
1.02%
0.0%
EQ - TATA CONSULTANCY SERVICES LTD.
IT - Software
1.02%
−8.5%
EQ - VEDANTA ALUMINIUM METAL LTD.
Non - Ferrous Metals
1.01%
+70.0%
EQ - INDUSIND BANK
Banks
0.99%
0.0%
REIT- KNOWLEDGE REALTY TRUST REIT
-
0.99%
REIT- EMBASSY OFFICE PARKS
-
0.96%
EQ - COAL INDIA LTD.
Consumable Fuels
0.90%
+69.7%
EQ - ADANI PORTS AND SPECIAL ECONO
Transport Infrastructure
0.87%
0.0%
EQ - OIL & NATURAL GAS CORPORATION
Oil
0.85%
0.0%
EQ - POWER GRID CORPORATION OF INDI
Power
0.83%
0.0%
EQ - HERO MOTOCORP LTD.
Automobiles
0.82%
0.0%
REIT- NEXUS SELECT TRUST
-
0.82%
EQ - TATA POWER COMPANY LTD.
Power
0.81%
0.0%
EQ - LIC OF INDIA
Insurance
0.80%
0.0%
EQ - HCL TECHNOLOGIES LTD.
IT - Software
0.79%
−9.6%
EQ - BAJAJ AUTO LTD.
Automobiles
0.75%
0.0%
REIT- BROOKFIELD INDIA REAL ESTATE TRUST
-
0.70%
EQ - TATA MOTORS LTD
Agricultural, Commercial & Construction Vehicles
0.68%
0.0%
EQ - NTPC LTD.
Power
0.68%
0.0%
EQ - CIPLA LTD.
Pharmaceuticals & Biotechnology
0.68%
−13.3%
EQ - BAJAJ FINSERV LTD.
Finance
0.65%
0.0%
EQ - DR REDDYS LABORATORIES LTD.
Pharmaceuticals & Biotechnology
0.54%
0.0%
EQ - WIPRO LIMITED
IT - Software
0.52%
0.0%
EQ - HINDALCO INDUSTRIES LTD.
Non - Ferrous Metals
0.39%
0.0%
EQ - NATIONAL STOCK EXCHANGE OF INDIA LIMITED
Not Applicable
0.35%
New
EQ - REC LTD
Finance
0.23%
0.0%
EQ - DLF LTD.
Realty
0.22%
−71.4%
EQ - DABUR INDIA LTD.
Personal Products
0.05%
0.0%
UTI - Equity Savings Fund Stocks Bought and Sold
All changes are between August 2026 and September 2026
More
Stocks bought and sold in September 2026
EQ - AXIS BANK LTD.
↓Reduced
−3.0%
5.13%
EQ - RELIANCE INDUSTRIES LTD.
↑Added
+76.3%
2.83%
EQ - ITC LTD.
↑Added
+31.1%
1.38%
EQ - TATA CONSULTANCY SERVICES LTD.
↓Reduced
−8.5%
1.02%
EQ - HINDUSTAN AERONAUTICS LTD
↑Added
+74.4%
1.05%
EQ - VEDANTA ALUMINIUM METAL LTD.
↑Added
+70.0%
1.01%
EQ - HCL TECHNOLOGIES LTD.
↓Reduced
−9.6%
0.79%
EQ - COAL INDIA LTD.
↑Added
+69.7%
0.90%
EQ - CIPLA LTD.
↓Reduced
−13.3%
0.68%
EQ - DLF LTD.
↓Reduced
−71.4%
0.22%
EQ - NATIONAL STOCK EXCHANGE OF INDIA LIMITED
↑New
New
0.35%
No stocks in this group for September 2026.
A change is counted by the number of shares the fund holds, not by price. A stock can become a smaller part of the fund in a month when the fund bought more of it, if its price fell. Debt papers are left out.
Overlap: for each holding both funds own, the smaller of its two weights, added up. 40% means 40% of each fund's money sits in positions the other also holds. From each fund's latest monthly portfolio, matched by ISIN. Cash and hedged positions are left out. Funds that overlap under 10% are not listed. A high overlap does not make two funds the same: their costs, lock-in and category can differ.
UTI - Equity Savings Fund Overview
Fund facts from the scheme summary document, as on 16-10-2026
Expense ratio (Direct)
1.04%
Expense ratio (Regular)
2.06%
Category
Equity Savings
Risk
Moderately High
Benchmark
CRISIL Equity Savings Index
Launch date
30-08-2018
AUM
₹804.31 Cr (30-09-2026)
Lock in
None
Scheme code (Direct)
144490
ISIN (Direct)
INF789F1A777
Scheme code (Regular)
144484
ISIN (Regular)
INF789F1A744
NAV history
From 31-08-2018, 8.2 years
Minimum investment
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
Minimum additional investment
Regular Plan-Quarterly Reinvestment of IDCW-Rs.1000, Regular Plan-Quarterly Payout of IDCW-Rs.1000, Direct Plan-Quarterly Reinvestment of IDCW-Rs.1000, Direct Plan-Quarterly Payout of IDCW-Rs.1000, Regular Plan-Monthly Reinvestment of IDCW-Rs.1000, Regula
Exit load
Exit load of 1%, if redeemed within 30 days.
Tax on UTI - Equity Savings Fund returns
UTI - Equity Savings Fund is taxed as an equity fund: 65% or more of it is in Indian stocks, counting its hedged positions.
Units sold within 1 year: the gain is taxed at 20%.
Units held longer: gains above ₹1.25 lakh in a financial year, across all your equity funds and shares, are taxed at 12.5%.
IDCW (dividend) payouts are added to your income and taxed at your slab rate.
A stamp duty of 0.005% is deducted when you invest.
Rules in force from 23-07-2024 (Finance Act 2024). Tax depends on your own income; this is general information, not tax advice.
All plans and options
Plan
Option
NAV
As on
direct
Growth
₹20.0774
30-10-2026
direct
IDCW
₹20.0773
30-10-2026
direct
Monthly IDCW
₹20.0785
30-10-2026
direct
Quarterly IDCW
₹19.8773
30-10-2026
regular
Growth
₹18.6341
30-10-2026
regular
IDCW
₹18.6341
30-10-2026
regular
Monthly IDCW
₹18.6342
30-10-2026
regular
Quarterly IDCW
₹18.434
30-10-2026
About UTI - Equity Savings Fund
UTI - Equity Savings Fund is a mutual fund from UTI Mutual Fund. Its category is Equity Savings. It was launched on 30-08-2018. Its benchmark is CRISIL Equity Savings Index. At the end of September 2026 it held 53 securities.
Frequently Asked Questions for UTI - Equity Savings Fund
What is the current NAV of UTI - Equity Savings Fund?
The Direct plan NAV is ₹20.0774. The Regular plan NAV is ₹18.6341, as on 30-10-2026.
What are the returns of UTI - Equity Savings Fund?
The Direct plan returned +0.72% in 1 year, +8.11% a year over 3 years, +8.28% a year over 5 years. The Regular plan returned −0.27% in 1 year, +7.08% a year over 3 years, +7.31% a year over 5 years. These figures are as on 30-10-2026.
What is the expense ratio of UTI - Equity Savings Fund?
The Direct plan charges 1.04% a year. The Regular plan charges 2.06% a year. This is the figure the fund house reported to AMFI, in force from 01-09-2026.
What is the AUM of UTI - Equity Savings Fund?
UTI - Equity Savings Fund managed ₹804.31 Cr on 30-09-2026, as its fund house reported in its monthly portfolio.
What are the top holdings of UTI - Equity Savings Fund?
At the end of September 2026 the largest holdings were 07.32% GSEC MAT -13/11/2030 (8.21%), 7.04% GSEC MAT- 03/06/2029 (5.85%), AXISBANK (5.13%), HDFCBANK (4.65%), M&M (3.81%). The fund held 53 securities in all.
What did UTI - Equity Savings Fund buy and sell in September 2026?
It bought 1 new stock: EQ - NATIONAL STOCK EXCHANGE OF INDIA LIMITED. It added shares in 5. It reduced 5.
How do I invest in UTI - Equity Savings Fund?
Through UTI Mutual Fund's website or app, a mutual fund distributor, or an investment platform. Choose the Direct plan to pay no distributor commission, or the Regular plan to invest through a distributor. The first investment is at least 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. You can invest once or through a monthly SIP.
Who is the fund manager of 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 the fund house's monthly portfolio statement. Fund facts from its scheme summary document, as on 16-10-2026.
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.
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