UTI Equity Savings Fund · Regular · Growth
NAV
₹18.5881
as of 30 Sept 2026
Expense Ratio
2.06%
AUM
₹822 Cr
Lumpsum returns (CAGR)
- 1Y
- +1.72%
- 3Y
- +6.83%
- 5Y
- +7.36%
- Since Inception
- +7.97%
SIP returns (XIRR)
- 1Y
- -1.16%
- 3Y
- +3.77%
- 5Y
- +6.55%
- Since Inception
- +8.16%
What history actually did — last 8 years (Oct 2018 – Sept 2026)
A ₹5,000 monthly SIP for the last 8 years (Oct 2018 – Sept 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹6,58,327 today — ₹4,75,000 invested, 8.1% XIRR.
₹4,75,000
Invested
₹6,58,327
Value today
8.1%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 8 years (Oct 2018 – Sept 2026)
Real NAV backtest
₹1,00,000 invested 8 years ago would be ₹1,87,880 today (8.2% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Oct 2018 would still hold ₹12,20,473.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 8 years (Oct 2018 – Sept 2026) (22 Mar 2020) would be ₹2,05,446 today (2.05×).
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-0.43
Sharpe Ratio
—
Alpha
—
Beta
-0.42
Sortino
4.76%
Std Dev
-5.02%
Max Drawdown
Performance Comparison
Sectoral allocation
as of 31 Aug 2026- Banks21.82%
- Automobiles8.25%
- Telecom - Services4.68%
- Finance4.62%
- IT - Software3.97%
- Cement & Cement Products3.72%
- Construction2.49%
- Pharmaceuticals & Biotechnology2.39%
- Power2.28%
- Insurance1.94%
- Petroleum Products1.70%
- Ferrous Metals1.58%
Each sector links to the mutual funds most exposed to it.
Related reading
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Fund Details
Available transactions
Portfolio holdings
- 107.32% Gsec Mat -13/11/20308.19%
- 27.04% Gsec Mat- 03/06/20295.81%
- 3Axis Bank Ltd.5.52%
- 46.01% Gsec Mat - 21/07/20304.82%
- 5Hdfc Bank Limited4.58%
- 6Mahindra & Mahindra Ltd.4.17%
- 7Grasim Industries Ltd.3.72%
- 8Kotak Mahindra Bank Ltd.3.62%
- 9State Bank Of India3.56%
- 10Icici Bank Ltd3.44%
What this fund does
UTI Equity Savings Fund · Regular · Growth by UTI Mutual Fund is a Equity Savings fund that aims to generate optimal returns for investors based on its investment mandate. The fund follows a disciplined investment process aligned with SEBI regulations for the Equity Savings category.
About This Fund
UTI Equity Savings Fund · Regular · Growth is a Equity Savings mutual fund offered by UTI Mutual Fund. The fund has been operational for over 8 years. It manages assets worth ₹822 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against CRISIL Equity Savings Index. The current expense ratio is 2.06%.
Who Should Invest?
- •Investors with a high risk appetite seeking long-term wealth creation
- •Investors with an investment horizon of 5 years or more
- •SIP investors who can benefit from rupee cost averaging during market fluctuations