UTI ELSS Tax Saver Fund
ELSSVery HighOPEN-ENDED
- NAV as on 25 Sep 2026
- ₹194.57+0.18%1 day
- Return since launch
- 11.0%
- 52-week range
- ₹180.10 — ₹212.79
- AUM
- ₹3,482 Cr
UTI ELSS Tax Saver Fund is a ELSS equity fund from UTI Mutual Fund with ₹3,482 Cr under management, launched in 2005. Over three years it has returned 0.3% a year, against 10.4% for its category. The expense ratio is 1.93% and the SEBI riskometer reading is Very High.
Performance
UTI ELSS Tax Saver Fund NAV and returns
Growth of the fund against its category average over the period you pick.
Over 1Y this fund returned -3.8% against -0.7% for its category.
Performance
Returns
How the fund has done against its category and its benchmark.
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1Y | -6.4% | −6.5 pts | 0.1% | -2.1% |
| 2Y | -3.2% | −3.9 pts | 0.7% | -0.3% |
| 3Y | 0.3% | −10.1 pts | 10.4% | 2.7% |
| 5Y | 5.7% | −4.0 pts | 9.7% | 8.4% |
| 7Y | 9.5% | −3.5 pts | 13.0% | 11.6% |
| 10Y | 10.3% | −2.2 pts | 12.5% | 11.3% |
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1M | -4.6% | −1.1 pts | -3.5% | -3.6% |
| 3M | -2.5% | −1.9 pts | -0.6% | -1.0% |
| 6M | 5.5% | −3.7 pts | 9.2% | 8.2% |
| 1Y | -3.8% | −3.9 pts | 0.1% | -0.8% |
| 2Y | -6.4% | −3.1 pts | -3.3% | -3.9% |
| 3Y | 7.0% | −3.5 pts | 10.4% | 9.2% |
| 5Y | 5.8% | −3.9 pts | 9.7% | 8.7% |
| 7Y | 12.3% | −2.2 pts | 14.4% | 12.5% |
| 10Y | 10.6% | −1.9 pts | 12.5% | 10.9% |
Since launch (1 Aug 2005): 11.0%
Calendar-year returns
Category average20.2%
33.1%
-3.5%
24.3%
13.8%
4.5%
Show as a table
| Period | Fund | vs category | Category |
|---|---|---|---|
| 2025 | 4.5% | +0.1 pts | 4.5% |
| 2024 | 13.8% | −6.5 pts | 20.3% |
| 2023 | 24.3% | −7.5 pts | 31.8% |
| 2022 | -3.5% | −6.9 pts | 3.5% |
| 2021 | 33.1% | −6.8 pts | 39.9% |
| 2020 | 20.2% | +1.5 pts | 18.7% |
Returns over one year are annualised. Shorter periods are absolute.
Costs & terms
Costs and terms
What the fund charges each year, and the rules around putting money in and taking it out.
Costs
1.95%
Expense ratio as on 25 Sep 2026
Charged yearly and already deducted from the NAV.
- Base expense
- 1.66%
- Brokerage
- 0.02%
- Transaction charges
- 0.00%
- Statutory levies
- 0.27%
- Exit load
- Entry load of 0.25% for all direct investments of Rs 1 crore and above.
- Lock-in
- 3 years
Terms
- Min SIP
- ₹3,000
- Min lumpsum
- ₹5,000
- Plan
- GROWTH
- Fund type
- OPEN-ENDED
- Benchmark
- NIFTY 500 TRI
- Long-term capital gains
- After 1 year, returns above ₹1.25 lakh in a financial year are taxed at 12.5%
Risk
Risk
What the riskometer means for this fund, and how its ratios sit against the category.
Very High
Your principal is treated as being at very high risk — typically small cap, sectoral and thematic equity schemes.
| Ratio | Fund | Category avg | Read as |
|---|---|---|---|
| Alpha | -2.61 | 4.67 | Return earned above what the benchmark alone would have given. Higher is better. |
| Beta | 0.96 | 1.08 | How hard the fund moves when the market moves. Under 1 is steadier than the market. |
| Sharpe | 0.27 | 0.67 | Return earned for each unit of total risk taken. Higher is better. |
| Sortino | 0.35 | 0.90 | Return earned for each unit of downside risk. Higher is better. |
| Std. deviation | 14.91 | 17.94 | How widely monthly returns have varied around their own average. Lower is steadier. |
| Average of 5 category peers | |||
Portfolio
UTI ELSS Tax Saver Fund portfolio
Portfolio as of 31 Aug 2026
Asset allocation
- Equity98.3%
- Debt0.0%
- Other1.7%
Market cap split
- Large68.3%
- Mid19.2%
- Small12.5%
- P/E
- 23.64
- P/B
- 3.18
Top holdings
| Holding | Sector | Weight | Value | 3M chg | 6M chg | 1Y chg |
|---|---|---|---|---|---|---|
| HDFC Bank Ltd. | Financial | 7.58% | ₹264 Cr | +8.16% | +8.75% | +9.48% |
| ICICI Bank Ltd. | Financial | 7.31% | ₹254 Cr | +6.47% | +6.51% | +6.87% |
| Kotak Mahindra Bank Ltd. | Financial | 4.22% | ₹147 Cr | +3.96% | +4.03% | +3.74% |
| Bharti Airtel Ltd. | Communication | 4.16% | ₹145 Cr | +4.30% | +4.17% | +4.64% |
| Axis Bank Ltd. | Financial | 3.66% | ₹128 Cr | +3.88% | +4.42% | +3.45% |
| Bajaj Finance Ltd. | Financial | 2.96% | ₹103 Cr | +2.67% | +2.77% | +2.75% |
| Reliance Industries Ltd. | Energy | 2.75% | ₹95.78 Cr | +2.82% | +2.90% | +3.67% |
| Infosys Ltd. | Technology | 2.60% | ₹90.70 Cr | +2.73% | +3.61% | +4.85% |
| Mahindra & Mahindra Ltd. | Automobile | 2.59% | ₹90.26 Cr | +2.24% | +2.17% | +1.75% |
| State Bank of India | Financial | 2.44% | ₹84.80 Cr | +2.27% | +2.59% | +1.64% |
| Tech Mahindra Ltd. | Technology | 2.08% | ₹72.45 Cr | +1.96% | +2.07% | +2.43% |
| Tata Steel Ltd. | Metals & Mining | 2.06% | ₹71.90 Cr | +2.39% | +2.36% | +2.33% |
| Maruti Suzuki India Ltd. | Automobile | 1.95% | ₹67.74 Cr | +1.96% | +1.98% | +2.02% |
| Ajanta Pharma Ltd. | Healthcare | 1.92% | ₹66.89 Cr | +1.75% | +1.79% | +1.55% |
| The Phoenix Mills Ltd. | Construction | 1.83% | ₹63.65 Cr | +1.86% | +1.61% | +1.50% |
| Info Edge (India) Ltd. | Services | 1.79% | ₹62.37 Cr | +1.46% | +1.36% | +1.30% |
| Others | Others | 1.69% | ₹58.83 Cr | +3.34% | +1.01% | +2.01% |
| Brigade Enterprises Ltd. | Construction | 1.67% | ₹58.18 Cr | +1.23% | +1.14% | — |
| Aster DM Quality Care Ltd. | Healthcare | 1.63% | ₹56.70 Cr | +1.66% | +1.52% | +1.51% |
| Mphasis Ltd. | Technology | 1.57% | ₹54.62 Cr | +1.50% | +1.12% | — |
| Jubilant FoodWorks Ltd. | Services | 1.57% | ₹54.56 Cr | +1.51% | +1.59% | +1.88% |
| Crompton Greaves Consumer Electricals Ltd. | Consumer Discretionary | 1.49% | ₹51.90 Cr | +1.82% | +1.58% | +1.66% |
| Cholamandalam Investment and Finance Company Ltd. | Financial | 1.47% | ₹51.08 Cr | +1.36% | +1.44% | +1.55% |
| Eicher Motors Ltd. | Automobile | 1.44% | ₹50.11 Cr | +1.48% | +1.49% | +1.33% |
| Coforge Ltd. | Technology | 1.43% | ₹49.63 Cr | +1.78% | — | +1.15% |
| Eternal Ltd. | Services | 1.41% | ₹49.22 Cr | +1.11% | — | — |
| Sun Pharmaceutical Industries Ltd. | Healthcare | 1.37% | ₹47.64 Cr | +1.27% | +1.33% | +1.09% |
| Polycab India Ltd. | Capital Goods | 1.36% | ₹47.23 Cr | +1.48% | +1.31% | +1.26% |
| Tube Investments Of India Ltd. | Automobile | 1.34% | ₹46.81 Cr | +1.62% | +1.34% | +1.41% |
| Varun Beverages Ltd. | Consumer Staples | 1.32% | ₹46.05 Cr | +1.30% | +1.07% | — |
| Hindustan Aeronautics Ltd. | Capital Goods | 1.28% | ₹44.41 Cr | +1.27% | +0.92% | — |
| Mahanagar Gas Ltd. | Energy | 1.25% | ₹43.68 Cr | +1.32% | +1.35% | +1.37% |
| Samvardhana Motherson International Ltd. | Automobile | 1.25% | ₹43.52 Cr | +1.11% | +0.96% | +0.73% |
| Bharat Electronics Ltd. | Capital Goods | 1.25% | ₹43.52 Cr | +1.27% | +1.30% | +1.16% |
| Endurance Technologies Ltd. | Automobile | 1.24% | ₹43.07 Cr | +1.20% | +1.11% | +1.29% |
| Havells India Ltd. | Capital Goods | 1.07% | ₹37.32 Cr | +0.93% | +1.35% | +1.45% |
| HDFC Life Insurance Co Ltd. | Insurance | 1.05% | ₹36.40 Cr | +1.09% | +1.19% | +1.37% |
| Tata Consumer Products Ltd. | Consumer Staples | 1.04% | ₹36.37 Cr | +1.21% | +1.11% | +1.02% |
| Coal India Ltd. | Materials | 1.04% | ₹36.16 Cr | +1.21% | +1.26% | — |
| NTPC Ltd. | Energy | 1.03% | ₹36.01 Cr | +1.05% | +1.06% | +1.43% |
| ICICI Lombard General Insurance Company Ltd. | Insurance | 1.03% | ₹35.98 Cr | +1.50% | +1.50% | +1.51% |
| Power Grid Corporation Of India Ltd. | Energy | 1.02% | ₹35.58 Cr | +1.13% | +1.16% | +0.79% |
| Avenue Supermarts Ltd. | Services | 1.01% | ₹35.10 Cr | +1.07% | +1.44% | +2.27% |
| AIA Engineering Ltd. | Metals & Mining | 0.98% | ₹34.18 Cr | +1.09% | +0.92% | — |
| Adani Enterprises Ltd. | Services | 0.96% | ₹33.53 Cr | — | — | — |
| Metropolis Healthcare Ltd. | Healthcare | 0.95% | ₹32.95 Cr | +0.94% | +0.66% | — |
| The Federal Bank Ltd. | Financial | 0.92% | ₹32.10 Cr | +0.89% | +0.87% | — |
| Kajaria Ceramics Ltd. | Materials | 0.85% | ₹29.72 Cr | +0.87% | +0.85% | +1.02% |
| Cera Sanitaryware Ltd. | Materials | 0.84% | ₹29.34 Cr | +0.93% | +0.76% | — |
| Swiggy Ltd. | Services | 0.81% | ₹28.19 Cr | +0.76% | +0.84% | +1.10% |
| Godrej Consumer Products Ltd. | Consumer Staples | 0.78% | ₹27.04 Cr | +0.91% | +1.01% | +2.03% |
| Bharat Petroleum Corporation Ltd. | Energy | 0.74% | ₹25.92 Cr | +0.70% | +0.96% | +0.87% |
| Dalmia Bharat Ltd. | Materials | 0.74% | ₹25.83 Cr | +0.64% | +0.69% | — |
| United Foodbrands Ltd. | Services | 0.74% | ₹25.80 Cr | +0.51% | +0.23% | +0.28% |
| JK Paper Ltd. | Consumer Staples | 0.74% | ₹25.77 Cr | +0.68% | +0.54% | — |
| Emami Ltd. | Consumer Staples | 0.65% | ₹22.59 Cr | +0.73% | +0.74% | +0.80% |
| PI Industries Ltd. | Chemicals | 0.58% | ₹20.15 Cr | +0.71% | +0.75% | +0.88% |
| Fractal Analytics Ltd. | Technology | 0.53% | ₹18.38 Cr | +0.64% | +0.47% | — |
| Indiamart Intermesh Ltd. | Services | 0.53% | ₹18.32 Cr | +0.67% | +0.67% | +0.80% |
| PNC Infratech Ltd. | Construction | 0.44% | ₹15.48 Cr | +0.47% | +0.39% | +0.56% |
Sectors
Instruments
Recent changes
| Holding | From | To | Weight |
|---|---|---|---|
| Kotak Mahindra Bank Ltd. | 3.88% | 4.22% | +0.34% |
| HDFC Bank Ltd. | 7.91% | 7.58% | -0.32% |
| Bharti Airtel Ltd. | 4.48% | 4.16% | -0.31% |
| Others | 1.96% | 1.68% | -0.28% |
| Axis Bank Ltd. | 3.42% | 3.66% | +0.24% |
| Brigade Enterprises Ltd. | 1.46% | 1.67% | +0.21% |
| Bajaj Finance Ltd. | 3.16% | 2.96% | -0.20% |
| ICICI Bank Ltd. | 7.13% | 7.31% | +0.18% |
| Samvardhana Motherson International Ltd. | 1.09% | 1.25% | +0.16% |
| Godrej Consumer Products Ltd. | 0.91% | 0.78% | -0.13% |
| Crompton Greaves Consumer Electricals Ltd. | 1.62% | 1.49% | -0.13% |
| Eternal Ltd. | 1.29% | 1.41% | +0.13% |
| ICICI Lombard General Insurance Company Ltd. | 1.15% | 1.03% | -0.12% |
| PNC Infratech Ltd. | 0.55% | 0.44% | -0.10% |
| Dalmia Bharat Ltd. | 0.64% | 0.74% | +0.10% |
| State Bank of India | 2.33% | 2.44% | +0.10% |
| Aster DM Quality Care Ltd. | 1.72% | 1.63% | -0.09% |
| Bharat Electronics Ltd. | 1.16% | 1.25% | +0.09% |
| PI Industries Ltd. | 0.66% | 0.58% | -0.09% |
| Coforge Ltd. | 1.34% | 1.43% | +0.08% |
| Jubilant FoodWorks Ltd. | 1.49% | 1.57% | +0.07% |
| Maruti Suzuki India Ltd. | 2.02% | 1.95% | -0.07% |
| Mphasis Ltd. | 1.50% | 1.57% | +0.07% |
| Varun Beverages Ltd. | 1.25% | 1.32% | +0.07% |
| Power Grid Corporation Of India Ltd. | 1.09% | 1.02% | -0.07% |
| AIA Engineering Ltd. | 1.05% | 0.98% | -0.06% |
| Polycab India Ltd. | 1.29% | 1.36% | +0.06% |
| Endurance Technologies Ltd. | 1.17% | 1.24% | +0.06% |
| Mahindra & Mahindra Ltd. | 2.65% | 2.59% | -0.06% |
| Ajanta Pharma Ltd. | 1.87% | 1.92% | +0.05% |
| Emami Ltd. | 0.70% | 0.65% | -0.05% |
| Info Edge (India) Ltd. | 1.74% | 1.79% | +0.05% |
| NTPC Ltd. | 1.08% | 1.03% | -0.05% |
| Cera Sanitaryware Ltd. | 0.89% | 0.84% | -0.05% |
| Mahanagar Gas Ltd. | 1.30% | 1.25% | -0.04% |
| Kajaria Ceramics Ltd. | 0.81% | 0.85% | +0.04% |
| Infosys Ltd. | 2.57% | 2.60% | +0.04% |
| Eicher Motors Ltd. | 1.40% | 1.44% | +0.04% |
| Adani Enterprises Ltd. | 1.00% | 0.96% | -0.04% |
| United Foodbrands Ltd. | 0.71% | 0.74% | +0.03% |
| Tata Steel Ltd. | 2.10% | 2.06% | -0.03% |
| Tata Consumer Products Ltd. | 1.08% | 1.04% | -0.03% |
| Reliance Industries Ltd. | 2.78% | 2.75% | -0.03% |
| Fractal Analytics Ltd. | 0.50% | 0.53% | +0.03% |
| Tube Investments Of India Ltd. | 1.32% | 1.34% | +0.03% |
| The Phoenix Mills Ltd. | 1.80% | 1.83% | +0.03% |
| Cholamandalam Investment and Finance Company Ltd. | 1.44% | 1.47% | +0.02% |
| JK Paper Ltd. | 0.72% | 0.74% | +0.02% |
| Coal India Ltd. | 1.06% | 1.04% | -0.02% |
| Bharat Petroleum Corporation Ltd. | 0.73% | 0.74% | +0.02% |
| Sun Pharmaceutical Industries Ltd. | 1.36% | 1.37% | +0.01% |
| Metropolis Healthcare Ltd. | 0.93% | 0.95% | +0.01% |
| Hindustan Aeronautics Ltd. | 1.29% | 1.28% | -0.01% |
| Indiamart Intermesh Ltd. | 0.53% | 0.53% | -0.01% |
| Avenue Supermarts Ltd. | 1.00% | 1.01% | +0.01% |
| The Federal Bank Ltd. | 0.92% | 0.92% | +0.01% |
| Tech Mahindra Ltd. | 2.08% | 2.08% | 0.00% |
| HDFC Life Insurance Co Ltd. | 1.04% | 1.05% | 0.00% |
| Havells India Ltd. | 1.07% | 1.07% | 0.00% |
| Swiggy Ltd. | 0.81% | 0.81% | 0.00% |
Compare
Similar funds
The rest of the category, so this fund’s numbers have something to sit against.
| Fund | AUM | Expense | 1Y | 3Y | 5Y |
|---|---|---|---|---|---|
| Category average | ₹2,116 Cr | 2.39% | 10.2% | 9.0% | 14.7% |
 Motilal Oswal ELSS Tax Saver Fund | ₹5,134 Cr | 2.09% | 16.6% | 12.5% | 18.1% |
 HSBC ELSS Tax saver Fund | ₹4,229 Cr | 2.00% | 7.2% | 8.5% | 13.3% |
 WhiteOak Capital ELSS Tax Saver Fund | ₹507 Cr | 2.59% | 4.3% | 7.3% | — |
 ITI ELSS Tax Saver Fund | ₹463 Cr | 2.57% | 8.9% | 7.3% | 13.1% |
 JM ELSS - Tax Saver Fund | ₹248 Cr | 2.69% | 13.8% | 9.4% | 14.1% |
About
About this fund
The scheme’s own words, its benchmark and the people running it.
Investment objective
An open-ended equity fund investing a minimum of 80% in equity related instruments. It Aims at enabling members to avail tax rebate under Section 80C of the IT Act and provide them with the benefits of growth.
Fund managers
- Amit Kumar PremchandaniMr. Premchandani is a Chartered Accountant, MBA and CFA degree holder.Prior to joining UTI Mutual Fund, he has worked in Deutsche Equities India, JP Morgan and Peerless General Finance and Investment. In UTI he has been associated with Dept. of Securities Research and Dept. of Fund Management for more than 11 years.
Tools
Return calculator
What ₹10,000 a month in this fund would have grown to over each period, based on its past returns.
₹
| Over the past | Total investment | Would’ve become | Growth | Returns |
|---|---|---|---|---|
| 6 months5.51% absolute | ₹60,000 | ₹63,306 | 5.51% | |
| 1 year−3.82% annualised | ₹1,20,000 | ₹1,17,546 | −2.05% | |
| 3 years6.95% annualised | ₹3,60,000 | ₹4,01,312 | 11.48% | |
| 5 years5.83% annualised | ₹6,00,000 | ₹6,98,035 | 16.34% |
Returns for 1 year and longer are annualised (CAGR); 6-month figures are absolute. Past returns are not a forecast.
How this is calculated
Each monthly instalment grows at the fund’s annualised return ÷ 12 per month until the end of the period, the same formula as our SIP calculator.
The amount compounds once a year at the fund’s CAGR for that period, the same formula as our lumpsum calculator.
Questions
Frequently asked questions
The things people ask about this scheme.
What is the NAV of UTI ELSS Tax Saver Fund?
The NAV of UTI ELSS Tax Saver Fund is ₹194.57 as on 25 Sep 2026.
What is the expense ratio of UTI ELSS Tax Saver Fund?
The expense ratio of UTI ELSS Tax Saver Fund is 1.93% per year.
What is the minimum SIP amount for UTI ELSS Tax Saver Fund?
You can start a SIP in UTI ELSS Tax Saver Fund with ₹3,000 a month.
What returns has UTI ELSS Tax Saver Fund given?
UTI ELSS Tax Saver Fund has returned -6.4% over 1 year, 0.3% over 3 years and 5.7% over 5 years (annualised).
Is there a lock-in or exit load on UTI ELSS Tax Saver Fund?
Lock-in: 3 years. Exit load: Entry load of 0.25% for all direct investments of Rs 1 crore and above..
How risky is UTI ELSS Tax Saver Fund?
UTI ELSS Tax Saver Fund is rated Very High on the SEBI riskometer and belongs to the ELSS category.
Which fund house manages UTI ELSS Tax Saver Fund?
UTI ELSS Tax Saver Fund is managed by UTI Mutual Fund, which runs 66 schemes with ₹3,94,848 Cr under management.