UTI - Equity Savings Fund
UTI Mutual Fund · Equity Savings · Direct plan, growth option
NAV (₹), 1 Oct 2026
19.9056
1-day change
-0.53%
1Y return
1.9%
3Y CAGR
7.7%
5Y CAGR
8.2%
Max drawdown, 5Y
−5.1%
NAV history month-end NAV, ₹ · 31 Aug 2018 to 1 Oct 2026
Returns vs Equity Savings median (24 schemes)
| Period | Scheme | Category median |
|---|---|---|
| 1 month | -2.4% | -1.7% |
| 3 months | -1.5% | -0.3% |
| 6 months | 1.7% | 3.6% |
| Year to date | -2.0% | 0.8% |
| 1 year | 1.9% | 2.8% |
| 3 years (CAGR) | 7.7% | 8.1% |
| 5 years (CAGR) | 8.2% | 7.4% |
| 7 years (CAGR) | 9.9% | 9.1% |
| 10 years (CAGR) | n/a | 8.2% |
| Since first NAV (CAGR) | 8.9% | – |
Rolling returns every business-day start date
| Measure | Scheme | Category median |
|---|---|---|
| 1Y rolling median | 8.8% | 8.8% |
| 3Y rolling median | 11.4% | 10.0% |
| 3Y rolling worst | 7.7% | 2.6% |
| 3Y periods positive | 100% | 100% |
| 3Y periods ahead of benchmark | n/a | n/a |
| 5Y rolling median | 11.6% | 9.8% |
| 5Y rolling worst | 8.2% | 6.6% |
| 5Y periods ahead of benchmark | n/a | n/a |
Benchmark: none available in MFIC's free data for this category.
Risk 36 months, monthly returns, Rf 6.5%
| Measure | Scheme | Category median |
|---|---|---|
| Standard deviation (ann.) | 5.1% | 5.2% |
| Sharpe ratio | 0.26 | 0.30 |
| Sortino ratio | 0.36 | 0.43 |
| Beta | n/a | n/a |
| Alpha (ann.) | n/a | n/a |
| Upside capture | n/a | n/a |
| Downside capture | n/a | n/a |
Drawdowns peak-to-trough falls in NAV
| Measure | Scheme | Category median |
|---|---|---|
| Maximum drawdown, full history | −13.8% | −16.4% |
| Maximum drawdown, last 10Y | n/a | −17.7% |
| Maximum drawdown, last 5Y | −5.1% | −5.9% |
| Current drawdown | −3.3% | −2.0% |
| Recovery time of worst fall | 140 days | – |
Longer histories include more crises, so compare the 5Y and 10Y figures across schemes of different ages.
Market context from Integrato Market Intelligence
This scheme hold only part of their money in each of these markets; the mix is set by the scheme and changes over time.
22,421.95 −0.88%
NSE close, 1 Oct 2026
- P/E 19.2: higher than 0% of days since 2023 (median 22.1)
- 1Y −9.0% · 3Y +5.4% p.a. · 5Y +5.9% p.a. (index fund NAV, after costs)
- −14.8% from its 52-week high
6.78%
1 Jul 2026 · +0.43 pp in a year · 5Y average 6.90%
Index levels and P/E: NSE daily index closing values; gold and silver: IBJA rates; returns: growth NAV of an index fund or ETF tracking the market (AMFI), so they are after that fund's costs. Context only: a market's level or valuation does not tell you how any scheme will perform. Explore all markets.
Direct or Regular for this scheme?
The Regular plan's expense ratio is 2.06% a year and the Direct plan's 1.04%, a gap of 1.02%; over the last 3 years the Direct plan returned 1.02 percentage points a year more. On a ₹25,000 monthly SIP for 20 years (illustration at 12% a year before costs) the gap adds up to about ₹23,21,358.
With the Regular plan, that cost pays a distributor to help you plan, choose and review funds, and stay invested when markets fall. Whether it is worth it depends on how much of that you will do yourself.
TER: AMFI TER disclosure. Returns: AMFI NAVs. Illustration, not a guaranteed saving or return.
Fund managers and scheme facts Scheme Summary Document via AMFI
| Fund manager | Role | Managing since |
|---|---|---|
| Anurag Mittal | n/a | |
| V Srivatsa | n/a | |
| Not Applicable | n/a | |
| Not Applicable | n/a |
Objective: The investment objective of the Scheme is to provide capital appreciation and income distribution to the investors using arbitrage opportunies, investment in equity / equity related instruments and debt / money market instruments. However, there is no assurance or guarantee that the investment objective of the Scheme would be achieved.
Stated asset allocation: Equity and equity related instruments 65% - 90% Of which: a) Cash future arbitrage opportunities : 25% - 75% b) Net long equity position: 15% - 40% Debt and Money market instruments : 10% - 35% Asset allocation pattern under defensive consideration: Equity and equity related instruments: 15% - 90% a) Cash Future arbitrage opportunities: 10% - 90% b) Net long equity position: 5% - 40% Debt and Money market instruments: 10% - 85% Net long equity position shall mean market value of long equity positions in equity and equity related securities, netted off against market value of short position through equity derivatives. Equity options to be excluded from the calculations.
Benchmark (tier 1): CRISIL Equity Savings TRI
Exit load: (A) Redemption / Switch out within 30 days from the date of allotment – 1.00% (B) Redemption / Switch out after 30 days from the date of allotment – NIL
Minimum application: 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, Regular Plan-Monthly Payout of IDCW- Rs.5000, Direct Plan-Monthly Reinvestment of IDCW- Rs.5000, Direct Plan-Monthly Payout of IDCW- Rs.5000, Regular Plan-Growth- Rs.5000, Direct Plan-Growth- Rs.5000, Regular Plan-Reinvestment of IDCW- Rs.5000, Regular Plan-Payout of IDCW- Rs.5000, Direct Plan-Reinvestment of IDCW- Rs.5000, Direct Plan-Payout of IDCW- Rs.5000,
Allotment date: 30 Aug 2018
Documents: Scheme Information Document · Scheme Summary Document. Read the scheme documents before investing.
Cost, size and riskometer as disclosed to AMFI
| Measure | Scheme | Category median |
|---|---|---|
| Expense ratio (TER), Direct plan | 1.04% | 1.23% |
| AUM, whole scheme (₹ crore) | 804 | 774 |
| Riskometer | Moderately High | – |
TER: AMFI, TER of MF Schemes. AUM and riskometer: AMFI, Fund Performance, 30 Sep 2026.
Official benchmark and category consistency
| Measure | Scheme | Benchmark / category |
|---|---|---|
| Return, 1 year (AMFI) | 2.7% | 2.7% TRI |
| Return, 3 years (AMFI) | 7.8% | 7.4% TRI |
| Return, 5 years (AMFI) | 8.3% | 7.1% TRI |
| Month-ends above category median (3Y CAGR) | 81% | 49% median |
| Month-ends in category top quartile (3Y) | 53% | 26% median |
| 7Y rolling CAGR, median (monthly windows) | 10.3% | 9.3% median |
Official benchmark: CRISIL Equity Savings Index (total return index, as published by AMFI). Category consistency: last 10 years of month-ends, Equity Savings Direct plans; how it is calculated.
Calendar-year returns NAV change from 31 Dec to 31 Dec
| Year | Scheme | Benchmark | Difference |
|---|---|---|---|
| 2026 YTD | -2.0% | n/a | – |
| 2025 | 9.5% | n/a | – |
| 2024 | 10.1% | n/a | – |
| 2023 | 16.7% | n/a | – |
| 2022 | 7.2% | n/a | – |
| 2021 | 15.0% | n/a | – |
| 2020 | 11.0% | n/a | – |
| 2019 | 5.3% | n/a | – |
No free benchmark proxy for this category. The first year starts from the first 31 December in the scheme's history.
Monthly SIP of ₹10,000 first business day of each month, ending 1 Oct 2026
| Period | Invested | Value | XIRR |
|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1,18,887 | -1.7% |
| 3 years | ₹3,60,000 | ₹3,84,148 | 4.3% |
| 5 years | ₹6,00,000 | ₹7,21,660 | 7.3% |
Uses this plan's NAVs; ignores stamp duty, exit loads and taxes. One historical path only — the interactive SIP analyzer shows outcomes across every start date.
Scheme facts
AMC: UTI Mutual Fund
Category: Equity Savings
Plan / option: Direct · Growth
AMFI scheme code: 144490
ISIN: INF789F1A777
First NAV in MFIC data: 31 Aug 2018
History: 8.1 years
Portfolio holdings: see the scheme's monthly portfolio disclosure on the fund house website
Schemes that behaved similarly correlation of monthly returns, last 5 years
| Scheme | Category | Correlation | 3Y CAGR |
|---|---|---|---|
| UTI Balanced Advantage Fund | Balanced Advantage | 0.98 | 7.4% |
| HDFC Equity Savings Fund | Equity Savings | 0.97 | 7.8% |
| UTI Aggressive Hybrid Fund | Aggressive Hybrid | 0.97 | 9.5% |
| SBI Balanced Advantage Fund | Balanced Advantage | 0.96 | 8.9% |
| Bajaj Finserv Balanced Advantage Fund | Balanced Advantage | 0.96 | n/a |
| HDFC Aggressive Hybrid Fund | Aggressive Hybrid | 0.96 | 5.4% |
Questions about UTI - Equity Savings Fund
- What is the latest NAV of UTI - Equity Savings Fund?
- The NAV of the Direct plan (growth option) was ₹19.9056 on 1 Oct 2026, as published by AMFI.
- Which category is UTI - Equity Savings Fund in?
- It is classified as Equity Savings in AMFI's daily NAV file. MFIC compares it with 24 Equity Savings schemes (Direct plans).
- What returns has UTI - Equity Savings Fund delivered?
- Over one year the NAV changed by 1.9%. The 3-year CAGR is 7.7% (category median 8.1%) and the 5-year CAGR is 8.2% (category median 7.4%). Returns are after expenses and before tax. Past performance may or may not be sustained in future.
- How consistent have its 3-year returns been?
- Measuring a 3-year CAGR from every business day in its history, the median was 11.4%, the lowest was 7.7%, and 100% of 3-year periods ended with a gain.
- What was the largest fall in UTI - Equity Savings Fund's NAV?
- The largest peak-to-trough fall in its available history was 13.8%; within the last five years it was 5.1% (category median 5.9%).
- How volatile is UTI - Equity Savings Fund?
- Its annualised standard deviation of monthly returns over the last 36 months is 5.1%, which is below the Equity Savings category median of 5.2%.
- What would a monthly SIP in UTI - Equity Savings Fund have grown to?
- A SIP of ₹10,000 on the first business day of each month for the last 5 years (60 instalments, ₹6,00,000 invested) would have been worth about ₹7,21,660 on 1 Oct 2026, an annualised return (XIRR) of 7.3%. This uses the Direct plan's NAVs, ignores taxes and exit loads, and past performance may or may not be sustained in future.
- What is the expense ratio (TER) of UTI - Equity Savings Fund?
- The total expense ratio of the Direct plan is 1.04% a year, as disclosed to AMFI (median of Equity Savings Direct plans: 1.23%). It is already deducted from the NAV, so every return shown is after expenses.
- How large is UTI - Equity Savings Fund?
- Assets under management of the whole scheme were ₹804 crore on 30 Sep 2026, as published by AMFI.
- What is the riskometer level of UTI - Equity Savings Fund?
- AMFI lists the scheme's riskometer as “Moderately High”, and its benchmark's as “Moderate”. The riskometer is a label of potential risk set under SEBI rules, not a forecast.
- What is the benchmark of UTI - Equity Savings Fund and how has it compared?
- Its official benchmark is the CRISIL Equity Savings Index. Over 3 years AMFI reports a return of 7.8% for this plan against 7.4% for the benchmark total return index; over 5 years 8.3% against 7.1%. Past performance does not indicate future results.
- How often has UTI - Equity Savings Fund beaten its category?
- At 81% of the 62 month-ends compared over the last 10 years, its 3-year return was above the median of Equity Savings schemes (Direct plans); it was in the top quarter at 53% of them. A typical scheme would show about 50%.
- Who manages UTI - Equity Savings Fund?
- According to its Scheme Summary Document, UTI - Equity Savings Fund is managed by Anurag Mittal, V Srivatsa, Not Applicable, Not Applicable.
- What is the exit load of UTI - Equity Savings Fund?
- As stated in its scheme documents: (A) Redemption / Switch out within 30 days from the date of allotment – 1.00% (B) Redemption / Switch out after 30 days from the date of allotment – NIL Check the latest Scheme Information Document before investing, as loads can change.
- What is the minimum investment in UTI - Equity Savings Fund?
- The minimum application amount is 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, Regular Plan-Monthly Payout of IDCW- Rs.5000, Direct Plan-Monthly Reinvestment of IDCW- Rs.5000, Direct Plan-Monthly Payout of IDCW- Rs.5000, Regular Plan-Growth- Rs.5000, Direct Plan-Growth- Rs.5000, Regular Plan-Reinvestment of IDCW- Rs.5000, Regular Plan-Payout of IDCW- Rs.5000, Direct Plan-Reinvestment of IDCW- Rs.5000, Direct Plan-Payout of IDCW- Rs.5000,. SIP details: SIP - D-500/W-500/M-500/Q-1500 SWP - M-500/Q-500/H-500/Y-500 STP - D-100/W-1000/M-1000/Q-3000 Flexi STP - D- 100/W-1000/M-1000/Q-3000.
- What is the difference between the Direct and Regular plans?
- Both plans hold the same portfolio; the Regular plan includes distribution costs in its expense ratio. Over one year the Direct plan's NAV changed by 1.9% and the Regular plan's by 0.8%. The Regular plan includes the services of a distributor.
Reviewing your own mutual fund portfolio?
Integrato's team can walk you through how your current schemes have behaved, using the same data shown here. Integrato is an AMFI-registered Mutual Fund Distributor.
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Data & disclosure. Source: AMFI daily NAV file and historical NAVs via mfapi.in; calculations by MFIC, as of 1 Oct 2026. Category medians use Direct plans in the same AMFI category. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Past performance may or may not be sustained in future. This page is for research and education only and is not investment advice or a recommendation to buy, sell or hold any scheme. Integrato Financial Services Pvt. Ltd. is an AMFI-registered Mutual Fund Distributor (ARN-173155). Methodology.