UTI ELSS Tax Saver Fund · Regular · Growth
NAV
₹202.8286
as of 15 Jul 2026
Expense Ratio
1.89%
AUM
₹3,566 Cr
Lumpsum returns (CAGR)
- 1Y
- -2.27%
- 3Y
- +9.38%
- 5Y
- +8.66%
- Since Inception
- +11.59%
SIP returns (XIRR)
- 1Y
- +0.49%
- 3Y
- +4.27%
- 5Y
- +7.70%
- Since Inception
- +12.12%
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 (Jul 2021 – Jul 2026)
A ₹5,000 monthly SIP for the last 5 years (Jul 2021 – Jul 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹3,60,811 today — ₹3,00,000 invested, 7.5% XIRR.
₹3,00,000
Invested
₹3,60,811
Value today
7.5%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 5 years (Jul 2021 – Jul 2026)
Real NAV backtest
₹1,00,000 invested 5 years ago would be ₹1,51,472 today (8.7% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Jul 2021 would still hold ₹11,53,904.
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹3,60,811 in this fund vs ₹3,91,320 in the benchmark — underperformance of ₹30,509.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 5 years (Jul 2021 – Jul 2026) (3 Jun 2024) would be ₹1,05,960 today (1.06×).
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-0.21
Sharpe Ratio
-0.03
Alpha
0.29
Beta
-0.21
Sortino
13.70%
Std Dev
-15.36%
Max Drawdown
Performance Comparison
Sectoral allocation
as of 31 May 2026- Banks26.44%
- IT - Software8.61%
- Automobiles5.68%
- Retailing5.07%
- Consumer Durables4.55%
- Telecom - Services4.30%
- Finance4.03%
- Auto Components3.93%
- Petroleum Products3.52%
- Realty3.09%
- Pharmaceuticals & Biotechnology3.02%
- Healthcare Services2.60%
Each sector links to the mutual funds most exposed to it.
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Fund Details
Available transactions
Portfolio holdings
- 1Hdfc Bank Limited8.16%
- 2Icici Bank Ltd6.47%
- 3Bharti Airtel Ltd.4.30%
- 4Kotak Mahindra Bank Ltd.3.96%
- 5Axis Bank Ltd.3.88%
- 6Reliance Industries Ltd.2.82%
- 7Infosys Ltd.2.73%
- 8Bajaj Finance Ltd.2.67%
- 9Tata Steel Ltd.2.39%
- 10State Bank Of India2.27%
Investment Objective
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 ₹3,566 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against NIFTY 500 TRI. The current expense ratio is 1.89%.
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