UTI ELSS Tax Saver Fund
ELSSVery HighOPEN-ENDED
- NAV as on 9 Nov 2026
- ₹202.700.00%1 day
- Return since launch
- 11.2%
- 52-week range
- ₹180.10 — ₹212.79
- AUM
- ₹3,253 Cr
UTI ELSS Tax Saver Fund is a ELSS equity fund from UTI Mutual Fund with ₹3,253 Cr under management, launched in 2005. Over three years it has returned 2.4% a year, against 11.4% for its category. The expense ratio is 1.96% 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 -2.8% against +0.3% for its category.
Performance
Returns
How the fund has done against its category and its benchmark.
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1Y | 1.9% | +1.4 pts | 0.6% | 6.0% |
| 2Y | 1.2% | −3.1 pts | 4.3% | 3.9% |
| 3Y | 2.4% | −9.1 pts | 11.4% | 4.6% |
| 5Y | 6.8% | −3.0 pts | 9.8% | 9.3% |
| 7Y | 10.0% | −3.3 pts | 13.3% | 12.1% |
| 10Y | 10.7% | −2.2 pts | 12.9% | 11.8% |
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1M | 7.7% | +1.0 pts | 6.7% | 7.5% |
| 3M | -1.7% | −1.3 pts | -0.5% | -0.5% |
| 6M | 2.9% | −1.8 pts | 4.6% | 4.7% |
| 1Y | -2.8% | −3.3 pts | 0.6% | 0.3% |
| 2Y | -0.2% | −2.1 pts | 1.9% | 1.4% |
| 3Y | 8.4% | −3.1 pts | 11.4% | 10.7% |
| 5Y | 5.8% | −3.9 pts | 9.8% | 8.8% |
| 7Y | 12.4% | −2.1 pts | 14.6% | 12.7% |
| 10Y | 11.3% | −1.7 pts | 12.9% | 11.5% |
Since launch (1 Aug 2005): 11.2%
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
1.94%
Expense ratio as on 6 Nov 2026
Charged yearly and already deducted from the NAV.
- Base expense
- 1.65%
- 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 | -2.66 | 4.34 | Return earned above what the benchmark alone would have given. Higher is better. |
| Beta | 0.97 | 1.03 | How hard the fund moves when the market moves. Under 1 is steadier than the market. |
| Sharpe | 0.15 | 0.55 | Return earned for each unit of total risk taken. Higher is better. |
| Sortino | 0.20 | 0.76 | Return earned for each unit of downside risk. Higher is better. |
| Std. deviation | 15.31 | 17.53 | 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 30 Sep 2026
Asset allocation
- Equity99.0%
- Debt0.0%
- Other1.0%
Market cap split
- Large68.6%
- Mid19.2%
- Small12.2%
- P/E
- 22.82
- P/B
- 3.07
Top holdings
| Holding | Sector | Weight | Value | 3M chg | 6M chg | 1Y chg |
|---|---|---|---|---|---|---|
| HDFC Bank Ltd. | Financial | 8.11% | ₹264 Cr | +8.56% | +8.20% | +9.44% |
| ICICI Bank Ltd. | Financial | 7.11% | ₹231 Cr | +6.93% | +6.65% | +6.60% |
| Kotak Mahindra Bank Ltd. | Financial | 4.49% | ₹146 Cr | +3.95% | +3.90% | +3.79% |
| Bharti Airtel Ltd. | Communication | 4.32% | ₹141 Cr | +4.26% | +4.49% | +4.60% |
| Axis Bank Ltd. | Financial | 3.70% | ₹120 Cr | +3.88% | +4.21% | +3.72% |
| Bajaj Finance Ltd. | Financial | 2.95% | ₹95.94 Cr | +2.89% | +2.65% | +2.99% |
| Reliance Industries Ltd. | Energy | 2.74% | ₹89.03 Cr | +2.92% | +3.07% | +3.67% |
| Mahindra & Mahindra Ltd. | Automobile | 2.49% | ₹81.13 Cr | +2.43% | +2.33% | +2.10% |
| Infosys Ltd. | Technology | 2.44% | ₹79.53 Cr | +2.30% | +3.35% | +4.74% |
| State Bank of India | Financial | 2.36% | ₹76.76 Cr | +2.36% | +2.35% | +1.78% |
| Tata Steel Ltd. | Metals & Mining | 2.21% | ₹71.88 Cr | +2.11% | +2.36% | +2.29% |
| Tech Mahindra Ltd. | Technology | 2.08% | ₹67.82 Cr | +1.80% | +1.96% | +2.28% |
| Ajanta Pharma Ltd. | Healthcare | 2.07% | ₹67.25 Cr | +1.87% | +1.79% | +1.50% |
| The Phoenix Mills Ltd. | Construction | 1.99% | ₹64.82 Cr | +1.96% | +1.71% | +1.54% |
| Maruti Suzuki India Ltd. | Automobile | 1.84% | ₹59.84 Cr | +2.03% | +1.94% | +2.18% |
| Info Edge (India) Ltd. | Services | 1.78% | ₹57.93 Cr | +1.41% | +1.52% | +1.42% |
| Aster DM Quality Care Ltd. | Healthcare | 1.66% | ₹54.03 Cr | +1.67% | +1.69% | +1.53% |
| Varun Beverages Ltd. | Consumer Staples | 1.59% | ₹51.84 Cr | +1.22% | +1.03% | — |
| Jubilant FoodWorks Ltd. | Services | 1.54% | ₹50.24 Cr | +1.44% | +1.50% | +1.85% |
| Brigade Enterprises Ltd. | Construction | 1.50% | ₹48.90 Cr | +1.25% | +1.27% | +0.28% |
| Mphasis Ltd. | Technology | 1.49% | ₹48.47 Cr | +1.40% | +1.29% | — |
| Eternal Ltd. | Services | 1.48% | ₹48.00 Cr | +1.14% | +1.08% | — |
| Crompton Greaves Consumer Electricals Ltd. | Consumer Discretionary | 1.41% | ₹45.91 Cr | +1.74% | +1.55% | +1.46% |
| Eicher Motors Ltd. | Automobile | 1.38% | ₹45.05 Cr | +1.28% | +1.39% | +1.43% |
| Cholamandalam Investment and Finance Company Ltd. | Financial | 1.37% | ₹44.55 Cr | +1.49% | +1.28% | +1.64% |
| Sun Pharmaceutical Industries Ltd. | Healthcare | 1.34% | ₹43.60 Cr | +1.29% | +1.52% | +1.19% |
| Mahanagar Gas Ltd. | Energy | 1.33% | ₹43.22 Cr | +1.38% | +1.17% | +1.41% |
| Samvardhana Motherson International Ltd. | Automobile | 1.28% | ₹41.63 Cr | +1.09% | +0.86% | +0.83% |
| Bharat Electronics Ltd. | Capital Goods | 1.25% | ₹40.77 Cr | +1.24% | +1.33% | +1.26% |
| Polycab India Ltd. | Capital Goods | 1.23% | ₹40.13 Cr | +1.43% | +1.19% | +1.29% |
| Tube Investments Of India Ltd. | Automobile | 1.23% | ₹39.99 Cr | +1.51% | +1.39% | +1.39% |
| Endurance Technologies Ltd. | Automobile | 1.22% | ₹39.85 Cr | +1.15% | +1.05% | +1.16% |
| Coal India Ltd. | Materials | 1.18% | ₹38.25 Cr | +1.14% | +1.38% | +0.95% |
| NTPC Ltd. | Energy | 1.17% | ₹38.06 Cr | +1.00% | +1.17% | +1.30% |
| ICICI Lombard General Insurance Company Ltd. | Insurance | 1.12% | ₹36.51 Cr | +1.38% | +1.54% | +1.54% |
| Power Grid Corporation Of India Ltd. | Energy | 1.08% | ₹35.17 Cr | +1.09% | +1.31% | +0.80% |
| HDFC Life Insurance Co Ltd. | Insurance | 1.07% | ₹34.92 Cr | +1.04% | +1.12% | +1.34% |
| Avenue Supermarts Ltd. | Services | 1.05% | ₹34.21 Cr | +1.13% | +1.25% | +2.01% |
| Adani Enterprises Ltd. | Services | 1.05% | ₹34.05 Cr | — | — | — |
| Tata Consumer Products Ltd. | Consumer Staples | 1.02% | ₹33.28 Cr | +1.09% | +1.12% | +1.08% |
| Hindustan Aeronautics Ltd. | Capital Goods | 1.00% | ₹32.68 Cr | +1.26% | +1.10% | — |
| AIA Engineering Ltd. | Metals & Mining | 0.97% | ₹31.70 Cr | +1.18% | +0.99% | — |
| Others | Others | 0.97% | ₹31.47 Cr | +3.94% | +1.53% | +3.38% |
| Cera Sanitaryware Ltd. | Materials | 0.95% | ₹30.98 Cr | +0.99% | +0.82% | — |
| Metropolis Healthcare Ltd. | Healthcare | 0.94% | ₹30.65 Cr | +0.89% | +0.82% | — |
| Havells India Ltd. | Capital Goods | 0.94% | ₹30.48 Cr | +0.90% | +1.01% | +1.42% |
| Vishal Mega Mart Ltd. | Services | 0.93% | ₹30.30 Cr | — | — | — |
| Dalmia Bharat Ltd. | Materials | 0.92% | ₹29.98 Cr | +0.61% | +0.70% | — |
| Kajaria Ceramics Ltd. | Materials | 0.87% | ₹28.41 Cr | +0.89% | +0.94% | +0.98% |
| JK Paper Ltd. | Consumer Staples | 0.79% | ₹25.60 Cr | +0.66% | +0.59% | — |
| Godrej Consumer Products Ltd. | Consumer Staples | 0.78% | ₹25.50 Cr | +0.87% | +0.93% | +1.90% |
| Swiggy Ltd. | Services | 0.77% | ₹25.01 Cr | +0.69% | +0.82% | +1.13% |
| LTM Limited | Technology | 0.76% | ₹24.89 Cr | — | — | — |
| United Foodbrands Ltd. | Services | 0.74% | ₹24.07 Cr | +0.65% | +0.22% | +0.22% |
| Emami Ltd. | Consumer Staples | 0.72% | ₹23.52 Cr | +0.72% | +0.74% | +0.84% |
| The Federal Bank Ltd. | Financial | 0.68% | ₹22.22 Cr | +0.90% | +0.86% | — |
| PI Industries Ltd. | Chemicals | 0.60% | ₹19.64 Cr | +0.64% | +0.74% | +0.83% |
| Dr. Reddy's Laboratories Ltd. | Healthcare | 0.60% | ₹19.54 Cr | — | — | — |
| Indiamart Intermesh Ltd. | Services | 0.52% | ₹17.01 Cr | +0.62% | +0.71% | +0.73% |
| Fractal Analytics Ltd. | Technology | 0.49% | ₹15.97 Cr | +0.55% | +0.52% | — |
| Cohance Lifesciences Ltd. | Healthcare | 0.28% | ₹9.04 Cr | — | — | — |
Sectors
Instruments
Recent changes
| Holding | From | To | Weight |
|---|---|---|---|
| Coforge Ltd. | 1.43% | 0.00% | -1.43% |
| Vishal Mega Mart Ltd. | 0.00% | 0.93% | +0.93% |
| LTM Limited | 0.00% | 0.76% | +0.76% |
| Bharat Petroleum Corporation Ltd. | 0.74% | 0.00% | -0.74% |
| Others | 1.68% | 0.96% | -0.72% |
| Dr. Reddy's Laboratories Ltd. | 0.00% | 0.60% | +0.60% |
| HDFC Bank Ltd. | 7.58% | 8.11% | +0.53% |
| PNC Infratech Ltd. | 0.44% | 0.00% | -0.44% |
| Cohance Lifesciences Ltd. | 0.00% | 0.28% | +0.28% |
| Kotak Mahindra Bank Ltd. | 4.22% | 4.49% | +0.27% |
| Varun Beverages Ltd. | 1.32% | 1.59% | +0.27% |
| Hindustan Aeronautics Ltd. | 1.28% | 1.00% | -0.27% |
| The Federal Bank Ltd. | 0.92% | 0.68% | -0.24% |
| ICICI Bank Ltd. | 7.31% | 7.11% | -0.20% |
| Dalmia Bharat Ltd. | 0.74% | 0.92% | +0.18% |
| Brigade Enterprises Ltd. | 1.67% | 1.50% | -0.17% |
| The Phoenix Mills Ltd. | 1.83% | 1.99% | +0.16% |
| Infosys Ltd. | 2.60% | 2.44% | -0.16% |
| Bharti Airtel Ltd. | 4.16% | 4.32% | +0.16% |
| Ajanta Pharma Ltd. | 1.92% | 2.07% | +0.15% |
| Tata Steel Ltd. | 2.06% | 2.21% | +0.14% |
| Coal India Ltd. | 1.04% | 1.18% | +0.14% |
| NTPC Ltd. | 1.03% | 1.17% | +0.14% |
| Havells India Ltd. | 1.07% | 0.94% | -0.13% |
| Polycab India Ltd. | 1.36% | 1.23% | -0.12% |
| Tube Investments Of India Ltd. | 1.34% | 1.23% | -0.11% |
| Cera Sanitaryware Ltd. | 0.84% | 0.95% | +0.11% |
| Maruti Suzuki India Ltd. | 1.95% | 1.84% | -0.11% |
| Mahindra & Mahindra Ltd. | 2.59% | 2.49% | -0.10% |
| Cholamandalam Investment and Finance Company Ltd. | 1.47% | 1.37% | -0.10% |
| ICICI Lombard General Insurance Company Ltd. | 1.03% | 1.12% | +0.09% |
| Adani Enterprises Ltd. | 0.96% | 1.05% | +0.08% |
| Crompton Greaves Consumer Electricals Ltd. | 1.49% | 1.41% | -0.08% |
| Mphasis Ltd. | 1.57% | 1.49% | -0.08% |
| State Bank of India | 2.44% | 2.36% | -0.08% |
| Emami Ltd. | 0.65% | 0.72% | +0.07% |
| Mahanagar Gas Ltd. | 1.25% | 1.33% | +0.07% |
| Eternal Ltd. | 1.41% | 1.48% | +0.06% |
| Power Grid Corporation Of India Ltd. | 1.02% | 1.08% | +0.06% |
| Eicher Motors Ltd. | 1.44% | 1.38% | -0.05% |
| JK Paper Ltd. | 0.74% | 0.79% | +0.05% |
| Avenue Supermarts Ltd. | 1.01% | 1.05% | +0.04% |
| Swiggy Ltd. | 0.81% | 0.77% | -0.04% |
| Fractal Analytics Ltd. | 0.53% | 0.49% | -0.04% |
| Axis Bank Ltd. | 3.66% | 3.70% | +0.03% |
| Aster DM Quality Care Ltd. | 1.63% | 1.66% | +0.03% |
| Samvardhana Motherson International Ltd. | 1.25% | 1.28% | +0.03% |
| HDFC Life Insurance Co Ltd. | 1.05% | 1.07% | +0.03% |
| Sun Pharmaceutical Industries Ltd. | 1.37% | 1.34% | -0.03% |
| PI Industries Ltd. | 0.58% | 0.60% | +0.03% |
| Jubilant FoodWorks Ltd. | 1.57% | 1.54% | -0.02% |
| Tata Consumer Products Ltd. | 1.04% | 1.02% | -0.02% |
| Kajaria Ceramics Ltd. | 0.85% | 0.87% | +0.02% |
| Reliance Industries Ltd. | 2.75% | 2.74% | -0.01% |
| Endurance Technologies Ltd. | 1.24% | 1.22% | -0.01% |
| Info Edge (India) Ltd. | 1.79% | 1.78% | -0.01% |
| Bajaj Finance Ltd. | 2.96% | 2.95% | -0.01% |
| Godrej Consumer Products Ltd. | 0.78% | 0.78% | +0.01% |
| AIA Engineering Ltd. | 0.98% | 0.97% | -0.01% |
| Tech Mahindra Ltd. | 2.08% | 2.08% | 0.00% |
| Metropolis Healthcare Ltd. | 0.95% | 0.94% | 0.00% |
| Bharat Electronics Ltd. | 1.25% | 1.25% | 0.00% |
| Indiamart Intermesh Ltd. | 0.53% | 0.52% | 0.00% |
| United Foodbrands Ltd. | 0.74% | 0.74% | 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 | ₹2,088 Cr | 2.35% | 8.8% | 8.1% | 13.5% |
 Motilal Oswal ELSS Tax Saver Fund | ₹4,890 Cr | 2.07% | 8.1% | 8.8% | 16.0% |
 HSBC ELSS Tax saver Fund | ₹3,974 Cr | 1.98% | 8.0% | 7.9% | 12.9% |
 Baroda BNP Paribas ELSS Tax Saver Fund | ₹857 Cr | 2.46% | 6.6% | 7.2% | 11.9% |
 WhiteOak Capital ELSS Tax Saver Fund | ₹481 Cr | 2.60% | 10.8% | 8.6% | — |
 JM ELSS - Tax Saver Fund | ₹240 Cr | 2.66% | 10.6% | 7.7% | 13.1% |
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 months2.86% absolute | ₹60,000 | ₹61,716 | 2.86% | |
| 1 year−2.75% annualised | ₹1,20,000 | ₹1,18,227 | −1.48% | |
| 3 years8.36% annualised | ₹3,60,000 | ₹4,10,403 | 14.00% | |
| 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 ₹202.70 as on 9 Nov 2026.
What is the expense ratio of UTI ELSS Tax Saver Fund?
The expense ratio of UTI ELSS Tax Saver Fund is 1.96% 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 1.9% over 1 year, 2.4% over 3 years and 6.8% 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 67 schemes with ₹4,04,584 Cr under management.