UTI Equity Savings Fund · Regular · Growth
NAV
₹18.9601
as of 31 Jul 2026
Expense Ratio
1.65%
AUM
₹821 Cr
Lumpsum returns (CAGR)
- 1Y
- +4.24%
- 3Y
- +7.94%
- 5Y
- +8.65%
- Since Inception
- +8.42%
SIP returns (XIRR)
- 1Y
- +3.44%
- 3Y
- +5.94%
- 5Y
- +7.88%
- Since Inception
- +8.97%
What history actually did — last 7 years (Aug 2019 – Jul 2026)
A ₹5,000 monthly SIP for the last 7 years (Aug 2019 – Jul 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹5,66,932 today — ₹4,15,000 invested, 8.9% XIRR.
₹4,15,000
Invested
₹5,66,932
Value today
8.9%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 7 years (Aug 2019 – Jul 2026)
Real NAV backtest
₹1,00,000 invested 7 years ago would be ₹1,88,485 today (9.5% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Aug 2019 would still hold ₹13,17,919.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 7 years (Aug 2019 – Jul 2026) (22 Mar 2020) would be ₹2,09,557 today (2.10×).
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-0.27
Sharpe Ratio
—
Alpha
—
Beta
-0.27
Sortino
4.84%
Std Dev
-5.02%
Max Drawdown
Performance Comparison
Sectoral allocation
as of 31 Mar 2026- Banks6.00%
- IT - Software5.00%
- Telecom - Services4.00%
- Power3.00%
- Pharmaceuticals & Biotechnology2.00%
- Petroleum Products2.00%
- Finance2.00%
- Construction2.00%
- Automobiles2.00%
- Agricultural, Commercial & Construction Vehicles1.00%
- Transport Services1.00%
- Cement & Cement Products1.00%
Each sector links to the mutual funds most exposed to it.
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Fund Details
Available transactions
Portfolio holdings
- 107.32% Gsec Mat -13/11/20308.38%
- 27.04% Gsec Mat- 03/06/20296.00%
- 3Axis Bank Ltd.5.86%
- 46.01% Gsec Mat - 21/07/20304.93%
- 5Hdfc Bank Limited4.16%
- 6Mahindra & Mahindra Ltd.3.41%
- 7Bharti Airtel Ltd.3.31%
- 8State Bank Of India3.22%
- 9Grasim Industries Ltd.3.09%
- 10Kotak Mahindra Bank Ltd.2.77%
Investment Objective
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 7 years. It manages assets worth ₹821 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against CRISIL Equity Savings Index. The current expense ratio is 1.65%.
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