UTI ELSS Tax Saver Fund · Regular · Growth
NAV
₹200.6744
as of 17 Jun 2026
Expense Ratio
1.89%
AUM
₹3,566 Cr
Lumpsum returns (CAGR)
- 1Y
- -2.11%
- 3Y
- +10.17%
- 5Y
- +9.56%
- Since Inception
- +11.59%
SIP returns (XIRR)
- 1Y
- -1.11%
- 3Y
- +4.38%
- 5Y
- +7.71%
- Since Inception
- +12.13%
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 —.
This fund trailed its benchmark
Top performers in ELSS Tax Saver by 5Y CAGR
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SBI ELSS Tax Saver Fund · Regular · Growth
HDFC ELSS Tax saver · Regular · Growth
SIP since inception — what ₹500/month became
Real NAV backtest from day one
₹1,58,500
Invested
₹9,82,818
Value today
11.9%
XIRR (p.a.)
₹500/month SIP from fund inception · Current value as of today
Try SIP Calculator with this fund's history₹1,000 lumpsum at launch — value today
Invested on the fund's first NAV date
₹1,000
Invested
₹17,409
Value today
11.4%
CAGR (p.a.)
One-time investment at fund inception · Growth purely from NAV appreciation
Try Lumpsum Calculator₹10L corpus with ₹5,000/month withdrawals since inception
Corpus is still growing despite monthly payouts
₹10,00,000
Initial corpus
₹15,85,000
Withdrawn
₹75,80,679
Corpus left
+₹81,65,679 net gain — withdrew ₹15,85,000 AND corpus grew
Plan your SWP with real NAV₹6L corpus via 12-month STP from a liquid fund at inception
₹50K/month transferred from HDFC Liquid → this fund at launch
₹6,00,000
Invested
₹1,00,50,744
Value today
-3.8%
vs lumpsum
Direct lumpsum would have beaten STP by 3.8% — but STP reduced timing risk
Model your own STP with real NAV₹1 lakh on the worst crash day — 22 Mar 2020
Worst single-day Nifty drop during this fund's life
₹1,00,000
Invested
₹1,72,741
Value today
1.7×
Multiple
Staying invested through that crash turned ₹1L into ₹1,72,741 — a 1.7× return
Read: Staying invested through crashesRisk Metrics
Trailing 1 year, annualised-0.42
Sharpe Ratio
-0.05
Alpha
0.48
Beta
-0.40
Sortino
13.87%
Std Dev
-15.36%
Max Drawdown
Performance Comparison
Sectoral allocation
as of 31 Mar 2026- Banks27.00%
- IT - Software10.00%
- Automobiles6.00%
- Retailing5.00%
- Finance4.00%
- Telecom - Services4.00%
- Petroleum Products4.00%
- Consumer Durables4.00%
- Realty3.00%
- Healthcare Services3.00%
- Auto Components3.00%
- Insurance3.00%
Each sector links to the mutual funds most exposed to it.
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Fund Details
Available transactions
Portfolio holdings
- 1Hdfc Bank Limited8.20%
- 2Icici Bank Ltd6.65%
- 3Bharti Airtel Ltd.4.49%
- 4Axis Bank Ltd.4.21%
- 5Kotak Mahindra Bank Ltd.3.90%
- 6Infosys Ltd.3.35%
- 7Reliance Industries Ltd.3.07%
- 8Bajaj Finance Ltd.2.65%
- 9Tata Steel Ltd.2.36%
- 10State Bank Of India2.35%
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