UTI - Master Equity Plan Unit Scheme
UTI Mutual Fund · Closed-ended ELSS · Regular plan, growth option
NAV (₹), 1 Oct 2026
210.2800
1-day change
-0.68%
1Y return
-7.8%
3Y CAGR
5.6%
5Y CAGR
5.7%
Max drawdown, 5Y
−18.1%
NAV history month-end NAV, ₹ · 3 Apr 2006 to 1 Oct 2026
Returns vs Closed-ended ELSS median (31 schemes)
| Period | Scheme | Category median |
|---|---|---|
| 1 month | -6.2% | -3.6% |
| 3 months | -4.2% | -3.7% |
| 6 months | 2.7% | 15.7% |
| Year to date | -11.4% | 4.3% |
| 1 year | -7.8% | 5.2% |
| 3 years (CAGR) | 5.6% | 10.9% |
| 5 years (CAGR) | 5.7% | 13.7% |
| 7 years (CAGR) | 10.4% | 20.9% |
| 10 years (CAGR) | 9.1% | 9.1% |
| Since first NAV (CAGR) | 8.8% | – |
Rolling returns every business-day start date
| Measure | Scheme | Category median |
|---|---|---|
| 1Y rolling median | 9.1% | 11.8% |
| 3Y rolling median | 10.8% | 20.6% |
| 3Y rolling worst | -8.0% | -0.5% |
| 3Y periods positive | 95% | 100% |
| 3Y periods ahead of benchmark | n/a | n/a |
| 5Y rolling median | 11.5% | 22.0% |
| 5Y rolling worst | -2.3% | 7.9% |
| 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.) | 13.9% | 18.6% |
| Sharpe ratio | 0.00 | 0.23 |
| Sortino ratio | 0.00 | 0.38 |
| 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 | −54.6% | −50.8% |
| Maximum drawdown, last 10Y | −38.0% | −38.0% |
| Maximum drawdown, last 5Y | −18.1% | −23.4% |
| Current drawdown | −13.5% | −6.4% |
| Recovery time of worst fall | 1869 days | – |
Longer histories include more crises, so compare the 5Y and 10Y figures across schemes of different ages.
Fund managers and scheme facts Scheme Summary Document via AMFI
| Fund manager | Role | Managing since |
|---|---|---|
| Karthikraj Lakshmanan | 1 Sep 2022 | |
| Not Applicable | 1 Sep 2022 | |
| Not Applicable | 1 Sep 2022 | |
| Not Applicable | 1 Sep 2022 |
Objective: The objective of the scheme is to generate long term capital appreciation by investing predominantly in equity and equity related securities of large cap companies. However, there can be no assurance or guarantee that the investment objective of the scheme would be achieved.
Stated asset allocation: Equity & equity related instruments (minimum 80% of the total assets would be in equity and equity related instruments of large cap companies) (Including units of REITS) : 80-100% (Medium to High) Debt and Money Market instruments including securitized debt#: 0-20% (Low to Medium) Units issued by InvITs: 0-10% (Medium to High) # The fund may invest upto 50% of its debt portfolio in securitized debt.
Benchmark (tier 1): BSE 100 TRI
Minimum application: Regular Plan-Growth- Rs.100, Regular Plan - Growth-CanServe- Rs.100, Regular Plan-Reinvestment of IDCW- Rs.5000, Regular Plan-Payout of IDCW- Rs.5000, Regular Plan-Payout of IDCW (Canserve)- Rs.5000, Direct Plan-Growth- Rs.100, Direct Plan - Growth-CanServe- Rs.100, Direct Plan-Reinvestment of IDCW- Rs.5000, Direct Plan-Payout of IDCW- Rs.5000, Direct Plan-Payout of IDCW (Canserve)- Rs.5000,
Allotment date: 15 Oct 1986
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), Regular plan | 1.36% | 1.23% |
| AUM, whole scheme (₹ crore) | 2,652 | 36 |
| Riskometer | Very 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) | -6.5% | -5.0% TRI |
| Return, 3 years (AMFI) | 5.8% | 7.7% TRI |
| Return, 5 years (AMFI) | 5.7% | 7.7% TRI |
| Month-ends above category median (3Y CAGR) | 20% | 40% median |
| Month-ends in category top quartile (3Y) | 19% | 25% median |
| 7Y rolling CAGR, median (monthly windows) | 11.1% | 17.0% median |
Official benchmark: BSE 100 TRI (total return index, as published by AMFI). Category consistency: last 10 years of month-ends, Closed-ended ELSS Regular plans; how it is calculated.
Calendar-year returns NAV change from 31 Dec to 31 Dec
| Year | Scheme | Benchmark | Difference |
|---|---|---|---|
| 2026 YTD | -11.4% | n/a | – |
| 2025 | 8.5% | n/a | – |
| 2024 | 11.3% | n/a | – |
| 2023 | 21.1% | n/a | – |
| 2022 | 1.2% | n/a | – |
| 2021 | 29.1% | n/a | – |
| 2020 | 10.8% | n/a | – |
| 2019 | 8.3% | n/a | – |
| 2018 | -4.7% | n/a | – |
| 2017 | 31.3% | 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 | ₹1,12,388 | -11.5% |
| 3 years | ₹3,60,000 | ₹3,51,298 | -1.6% |
| 5 years | ₹6,00,000 | ₹6,66,817 | 4.2% |
| 10 years | ₹12,00,000 | ₹18,71,169 | 8.6% |
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: Closed-ended ELSS
Plan / option: Regular · Growth
AMFI scheme code: 101834
ISIN:
First NAV in MFIC data: 3 Apr 2006
History: 20.5 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 |
|---|---|---|---|
| ICICI Prudential Long Term Wealth Enhancement Fund | Closed-ended ELSS | 0.92 | 11.4% |
| ICICI Prudential Long Term Wealth Enhancement Fund | Closed-ended ELSS | 0.92 | 11.4% |
| ICICI Prudential Long Term Wealth Enhancement Fund | Closed-ended ELSS | 0.92 | 11.0% |
| ICICI Prudential Long Term Wealth Enhancement Fund | Closed-ended ELSS | 0.92 | 11.0% |
| SBI Long Term Advantage Fund - Series V | Closed-ended ELSS | 0.90 | 18.9% |
| SBI Long Term Advantage Fund - Series VI | Closed-ended ELSS | 0.89 | 8.1% |
Questions about UTI - Master Equity Plan Unit Scheme
- What is the latest NAV of UTI - Master Equity Plan Unit Scheme?
- The NAV of the Regular plan (growth option) was ₹210.2800 on 1 Oct 2026, as published by AMFI.
- Which category is UTI - Master Equity Plan Unit Scheme in?
- It is classified as Closed-ended ELSS in AMFI's daily NAV file. MFIC compares it with 31 Closed-ended ELSS schemes (Regular plans).
- What returns has UTI - Master Equity Plan Unit Scheme delivered?
- Over one year the NAV changed by -7.8%. The 3-year CAGR is 5.6% (category median 10.9%) and the 5-year CAGR is 5.7% (category median 13.7%). 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 10.8%, the lowest was -8.0%, and 95% of 3-year periods ended with a gain.
- What was the largest fall in UTI - Master Equity Plan Unit Scheme's NAV?
- The largest peak-to-trough fall in its available history was 54.6%; within the last five years it was 18.1% (category median 23.4%).
- How volatile is UTI - Master Equity Plan Unit Scheme?
- Its annualised standard deviation of monthly returns over the last 36 months is 13.9%, which is below the Closed-ended ELSS category median of 18.6%.
- What would a monthly SIP in UTI - Master Equity Plan Unit Scheme 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 ₹6,66,817 on 1 Oct 2026, an annualised return (XIRR) of 4.2%. This uses the Regular 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 - Master Equity Plan Unit Scheme?
- The total expense ratio of the Regular plan is 1.36% a year, as disclosed to AMFI (median of Closed-ended ELSS Regular plans: 1.23%). It is already deducted from the NAV, so every return shown is after expenses.
- How large is UTI - Master Equity Plan Unit Scheme?
- Assets under management of the whole scheme were ₹2,652 crore on 30 Sep 2026, as published by AMFI.
- What is the riskometer level of UTI - Master Equity Plan Unit Scheme?
- AMFI lists the scheme's riskometer as “Very High”, and its benchmark's as “Very High”. The riskometer is a label of potential risk set under SEBI rules, not a forecast.
- What is the benchmark of UTI - Master Equity Plan Unit Scheme and how has it compared?
- Its official benchmark is the BSE 100 TRI. Over 3 years AMFI reports a return of 5.8% for this plan against 7.7% for the benchmark total return index; over 5 years 5.7% against 7.7%. Past performance does not indicate future results.
- How often has UTI - Master Equity Plan Unit Scheme beaten its category?
- At 20% of the 79 month-ends compared over the last 10 years, its 3-year return was above the median of Closed-ended ELSS schemes (Regular plans); it was in the top quarter at 19% of them. A typical scheme would show about 50%.
- Who manages UTI - Master Equity Plan Unit Scheme?
- According to its Scheme Summary Document, UTI - Master Equity Plan Unit Scheme is managed by Karthikraj Lakshmanan (since 1 Sep 2022), Not Applicable (since 1 Sep 2022), Not Applicable (since 1 Sep 2022), Not Applicable (since 1 Sep 2022).
- What is the minimum investment in UTI - Master Equity Plan Unit Scheme?
- The minimum application amount is Regular Plan-Growth- Rs.100, Regular Plan - Growth-CanServe- Rs.100, Regular Plan-Reinvestment of IDCW- Rs.5000, Regular Plan-Payout of IDCW- Rs.5000, Regular Plan-Payout of IDCW (Canserve)- Rs.5000, Direct Plan-Growth- Rs.100, Direct Plan - Growth-CanServe- Rs.100, Direct Plan-Reinvestment of IDCW- Rs.5000, Direct Plan-Payout of IDCW- Rs.5000, Direct Plan-Payout of IDCW (Canserve)- Rs.5000,. SIP details: SIP - D-500/W-500/M-500/Q-1500 SIP IN GROWTH OPTION - D-100/W-100/M-100/Q-300 STP - D-100/W-1000/M-1000/Q-3000 SWP - M-500/Q-500/H-500/Y-500.
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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 Regular 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.