UTI ELSS Tax Saver Fund · Regular · Growth
NAV
₹190.8318
as of 29 Sept 2026
Expense Ratio
1.95%
AUM
₹3,429 Cr
Lumpsum returns (CAGR)
- 1Y
- -5.60%
- 3Y
- +6.19%
- 5Y
- +5.64%
- Since Inception
- +11.25%
SIP returns (XIRR)
- 1Y
- -9.04%
- 3Y
- -0.59%
- 5Y
- +4.73%
- Since Inception
- +11.65%
Returns calculated from 13 August 2018 onwards due to a structural change in the scheme on that date. Earlier NAV history is preserved but excluded from multi-year return calculations. Periods spanning this date show —.
What history actually did — last 5 years (Oct 2021 – Sept 2026)
A ₹5,000 monthly SIP for the last 5 years (Oct 2021 – Sept 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹3,29,993 today — ₹2,95,000 invested, 4.6% XIRR.
₹2,95,000
Invested
₹3,29,993
Value today
4.6%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 5 years (Oct 2021 – Sept 2026)
Real NAV backtest
₹1,00,000 invested 5 years ago would be ₹1,32,260 today (5.8% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Oct 2021 would still hold ₹9,92,604.
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹3,29,993 in this fund vs ₹3,59,448 in the benchmark — underperformance of ₹29,455.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 5 years (Oct 2021 – Sept 2026) (3 Jun 2024) would be ₹1,00,007 today (1.00×).
Historical simulation using actual published NAVs for the stated period. Past performance may or may not be sustained in the future. Not investment advice.
Risk Metrics
Trailing 1 year, annualised-0.25
Sharpe Ratio
-0.04
Alpha
0.30
Beta
-0.25
Sortino
12.80%
Std Dev
-15.36%
Max Drawdown
Performance Comparison
Sectoral allocation
as of 31 Aug 2026- Banks26.13%
- IT - Software8.21%
- Automobiles5.98%
- Retailing5.55%
- Finance4.43%
- Consumer Durables4.25%
- Telecom - Services4.16%
- Auto Components3.83%
- Realty3.50%
- Petroleum Products3.49%
- Pharmaceuticals & Biotechnology3.29%
- Healthcare Services2.58%
Each sector links to the mutual funds most exposed to it.
Related reading
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Fund Details
Available transactions
Portfolio holdings
- 1Hdfc Bank Limited7.58%
- 2Icici Bank Ltd7.31%
- 3Kotak Mahindra Bank Ltd.4.22%
- 4Bharti Airtel Ltd.4.16%
- 5Axis Bank Ltd.3.66%
- 6Bajaj Finance Ltd.2.96%
- 7Reliance Industries Ltd.2.75%
- 8Infosys Ltd.2.60%
- 9Mahindra & Mahindra Ltd.2.59%
- 10State Bank Of India2.44%
What this fund does
UTI ELSS Tax Saver Fund · Regular · Growth is a tax-saving equity fund (ELSS) that offers tax deduction under Section 80C of the Income Tax Act, with a mandatory 3-year lock-in period. The fund aims to generate long-term capital appreciation while providing tax benefits of up to ₹46,800 per year.
About This Fund
UTI ELSS Tax Saver Fund · Regular · Growth is a ELSS Tax Saver mutual fund offered by UTI Mutual Fund. The fund has been operational for over 26 years. It manages assets worth ₹3,429 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against Nifty 500 TRI. The current expense ratio is 1.95%.
Who Should Invest?
- •Aggressive investors comfortable with significant short-term volatility
- •Investors with a long-term horizon of 7+ years who can ride out market cycles
- •Salaried individuals and taxpayers seeking to save tax under Section 80C
- •SIP investors who can benefit from rupee cost averaging during market fluctuations