UTI Equity Savings Fund
Equity SavingsModerately HighOPEN-ENDED
- NAV as on 9 Nov 2026
- ₹19.19+0.15%1 day
- Return since launch
- 8.3%
- 52-week range
- ₹18.18 — ₹19.16
- AUM
- ₹804 Cr
UTI Equity Savings Fund is a Equity Savings hybrid fund from UTI Mutual Fund with ₹804 Cr under management, launched in 2018. Over three years it has returned 5.2% a year, against 8.0% for its category. The expense ratio is 2.06% and the SEBI riskometer reading is Moderately High.
Performance
UTI Equity Savings Fund NAV and returns
Growth of the fund against its category average over the period you pick.
Over 1Y this fund returned +2.5% against +2.6% for its category.
Performance
Returns
How the fund has done against its category and its benchmark.
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1Y | 4.0% | +0.2 pts | 3.8% | 4.5% |
| 2Y | 4.5% | −0.7 pts | 5.2% | 4.4% |
| 3Y | 5.2% | −2.8 pts | 8.0% | 4.9% |
| 5Y | 7.4% | +0.5 pts | 6.9% | 6.4% |
| 7Y | 8.6% | +0.6 pts | 8.0% | 7.1% |
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1M | 4.0% | +1.2 pts | 2.8% | 2.7% |
| 3M | 0.6% | −0.2 pts | 0.8% | 0.6% |
| 6M | 2.8% | −0.7 pts | 3.4% | 3.0% |
| 1Y | 2.8% | −1.0 pts | 3.8% | 2.7% |
| 2Y | 4.7% | −0.2 pts | 4.8% | 4.2% |
| 3Y | 7.8% | −0.2 pts | 8.0% | 6.9% |
| 5Y | 7.7% | +0.7 pts | 6.9% | 6.0% |
| 7Y | 9.3% | +0.9 pts | 8.3% | 7.4% |
Since launch (10 Aug 2018): 8.3%
Calendar-year returns
Category average10.1%
14.0%
6.3%
15.7%
9.1%
8.4%
Show as a table
| Period | Fund | vs category | Category |
|---|---|---|---|
| 2025 | 8.4% | +1.1 pts | 7.3% |
| 2024 | 9.1% | −2.8 pts | 11.9% |
| 2023 | 15.7% | +1.4 pts | 14.3% |
| 2022 | 6.3% | +2.1 pts | 4.2% |
| 2021 | 14.0% | +0.5 pts | 13.6% |
| 2020 | 10.1% | −0.3 pts | 10.5% |
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
2.06%
Expense ratio as on 6 Nov 2026
Charged yearly and already deducted from the NAV.
- Base expense
- 1.52%
- Brokerage
- 0.04%
- Transaction charges
- 0.02%
- Statutory levies
- 0.48%
- Exit load
- Exit load of 1%, if redeemed within 30 days.
- Lock-in
- None
Terms
- Min SIP
- ₹3,000
- Min lumpsum
- ₹5,000
- Plan
- GROWTH
- Fund type
- OPEN-ENDED
- Benchmark
- CRISIL Equity Saving
- Short-term capital gains
- Returns taxed at 20% if you redeem before 1 year
- 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.
Moderately High
Your principal is treated as being at moderately high risk — typically balanced hybrid and index-led equity schemes.
| Ratio | Fund | Category avg | Read as |
|---|---|---|---|
| Alpha | — | — | Return earned above what the benchmark alone would have given. Higher is better. |
| Beta | 0.80 | 0.93 | How hard the fund moves when the market moves. Under 1 is steadier than the market. |
| Sharpe | 0.29 | 0.59 | Return earned for each unit of total risk taken. Higher is better. |
| Sortino | 0.34 | 0.72 | Return earned for each unit of downside risk. Higher is better. |
| Std. deviation | 5.06 | 6.22 | How widely monthly returns have varied around their own average. Lower is steadier. |
| Average of 5 category peers | |||
Portfolio
UTI Equity Savings Fund portfolio
Portfolio as of 30 Sep 2026
Asset allocation
- Equity34.4%
- Debt17.2%
- Other48.4%
Market cap split
- Large94.4%
- Mid5.6%
- P/E
- 17.73
- P/B
- 2.47
Top holdings
| Holding | Sector | Weight | Value | 3M chg | 6M chg | 1Y chg |
|---|---|---|---|---|---|---|
| Others | Others | 40.43% | ₹325 Cr | +96.78% | +96.90% | +87.72% |
| GOI | Sovereign | 8.21% | ₹66.02 Cr | +7.88% | +8.38% | +9.26% |
| Mahindra & Mahindra Ltd. | Automobile | 3.81% | ₹30.61 Cr | -3.01% | -2.96% | -3.70% |
| HDFC Bank Ltd. | Financial | 2.87% | ₹23.11 Cr | -3.76% | -4.14% | -4.99% |
| IRB InvIT Fund | Construction | 2.73% | ₹21.96 Cr | +1.78% | +1.69% | — |
| ICICI Bank Ltd. | Financial | 2.38% | ₹19.11 Cr | -1.57% | -1.49% | -1.79% |
| Larsen & Toubro Ltd. | Construction | 2.35% | ₹18.88 Cr | -0.44% | -0.41% | -0.46% |
| Axis Bank Ltd. | Financial | 2.02% | ₹16.25 Cr | -11.65% | -13.61% | -9.83% |
| Reliance Industries Ltd. | Energy | 1.84% | ₹14.78 Cr | +3.14% | +3.89% | +6.16% |
| Indus Infra Trust | Construction | 1.75% | ₹14.11 Cr | +1.61% | +0.52% | — |
| ITC Ltd. | Consumer Staples | 1.38% | ₹11.08 Cr | +1.21% | +1.32% | +1.88% |
| Bharti Airtel Ltd. | Communication | 1.16% | ₹9.33 Cr | -4.31% | -4.49% | -1.54% |
| State Bank of India | Financial | 1.09% | ₹8.74 Cr | -4.40% | -4.53% | -3.89% |
| Aurobindo Pharma Ltd. | Healthcare | 1.07% | ₹8.62 Cr | +1.10% | +0.99% | +0.70% |
| Infosys Ltd. | Technology | 1.04% | ₹8.38 Cr | +0.99% | +1.41% | -1.01% |
| Shriram Finance Ltd | Financial | 1.03% | ₹8.28 Cr | +1.05% | +0.95% | +0.50% |
| Tata Consultancy Services Ltd. | Technology | 1.02% | ₹8.20 Cr | +1.00% | -0.26% | -0.35% |
| Vedanta Aluminium Metal Ltd. | Metals & Mining | 1.01% | ₹8.12 Cr | +0.61% | — | — |
| Knowledge Realty Trust | Construction | 0.99% | ₹7.99 Cr | +0.95% | +1.41% | +0.85% |
| Embassy Office Parks REIT | Construction | 0.96% | ₹7.75 Cr | +0.92% | +1.35% | +1.41% |
| Coal India Ltd. | Materials | 0.90% | ₹7.24 Cr | +0.76% | +0.93% | +0.75% |
| Adani Ports and Special Economic Zone Ltd. | Services | 0.87% | ₹6.96 Cr | +0.69% | +0.33% | — |
| Oil And Natural Gas Corporation Ltd. | Energy | 0.85% | ₹6.84 Cr | +0.83% | +0.81% | +0.10% |
| Grasim Industries Ltd. | Materials | 0.83% | ₹6.71 Cr | -4.97% | -4.42% | -5.14% |
| Interglobe Aviation Ltd. | Services | 0.83% | ₹6.69 Cr | -0.38% | -0.30% | -0.46% |
| Power Grid Corporation Of India Ltd. | Energy | 0.83% | ₹6.66 Cr | -0.38% | -0.42% | -0.43% |
| Nexus Select Trust | Construction | 0.82% | ₹6.60 Cr | +0.75% | +1.55% | +1.45% |
| Hero Motocorp Ltd. | Automobile | 0.82% | ₹6.58 Cr | +0.77% | +0.78% | +1.04% |
| Tata Power Company Ltd. | Energy | 0.81% | ₹6.50 Cr | +0.74% | +0.72% | — |
| Life Insurance Corporation of India | Insurance | 0.80% | ₹6.41 Cr | +1.07% | +0.93% | +0.69% |
| HCL Technologies Ltd. | Technology | 0.79% | ₹6.35 Cr | +0.83% | +1.29% | +1.10% |
| Bajaj Auto Ltd. | Automobile | 0.75% | ₹6.01 Cr | — | +0.10% | +0.13% |
| Brookfield India Real Estate Trust REIT | Construction | 0.70% | ₹5.62 Cr | +0.98% | +1.29% | — |
| Tata Motors Ltd. | Automobile | 0.68% | ₹5.48 Cr | +0.64% | +0.65% | — |
| NTPC Ltd. | Energy | 0.68% | ₹5.47 Cr | +0.82% | +0.97% | +0.84% |
| Kotak Mahindra Bank Ltd. | Financial | 0.64% | ₹5.16 Cr | -5.37% | -5.22% | -6.28% |
| Dr. Reddy's Laboratories Ltd. | Healthcare | 0.54% | ₹4.34 Cr | +0.56% | +0.56% | +0.48% |
| Wipro Ltd. | Technology | 0.52% | ₹4.17 Cr | +0.79% | +0.99% | +1.02% |
| Hindustan Aeronautics Ltd. | Capital Goods | 0.44% | ₹3.56 Cr | -1.07% | -0.92% | — |
| National Stock Exchange | Financial | 0.35% | ₹2.85 Cr | — | — | — |
| Indus Towers Ltd. | Communication | 0.31% | ₹2.51 Cr | -1.90% | -0.83% | -0.74% |
| REC Ltd. | Financial | 0.23% | ₹1.86 Cr | +0.84% | +0.77% | +0.68% |
| DLF Ltd. | Construction | 0.22% | ₹1.76 Cr | -0.38% | -0.33% | — |
| Bajaj Finance Ltd. | Financial | 0.21% | ₹1.72 Cr | -4.08% | -3.52% | -0.90% |
| Indusind Bank Ltd. | Financial | 0.21% | ₹1.66 Cr | -1.53% | -1.34% | -1.41% |
| Cipla Ltd. | Healthcare | 0.18% | ₹1.45 Cr | -1.03% | -0.92% | +3.05% |
| Maruti Suzuki India Ltd. | Automobile | 0.17% | ₹1.34 Cr | -4.47% | -4.21% | +5.53% |
| SBI Life Insurance Company Ltd. | Insurance | 0.06% | ₹0.45 Cr | -2.06% | -2.24% | -2.43% |
| Dabur India Ltd. | Consumer Staples | -0.00% | ₹-0.00 Cr | -0.11% | -0.12% | -0.15% |
| Bajaj Finserv Ltd. | Financial | -0.00% | ₹-0.01 Cr | -1.26% | -1.25% | -1.65% |
| Hindalco Industries Ltd. | Metals & Mining | -0.00% | ₹-0.03 Cr | -0.76% | — | -1.52% |
| JSW Steel Ltd. | Metals & Mining | -0.02% | ₹-0.12 Cr | -2.84% | -2.81% | -3.09% |
| Larsen & Toubro Ltd. GDR/GDS | Construction | -0.43% | ₹-3.42 Cr | — | — | — |
| Mahindra & Mahindra Ltd Warrant | Automobile | -3.08% | ₹-24.79 Cr | — | — | — |
Sectors
Instruments
Recent changes
| Holding | From | To | Weight |
|---|---|---|---|
| Mahindra & Mahindra Ltd. | -3.47% | 3.81% | +7.28% |
| Grasim Industries Ltd. | 3.72% | -2.59% | -6.31% |
| Mahindra & Mahindra Ltd Warrant | 0.00% | -3.08% | -3.08% |
| Larsen & Toubro Ltd. | -0.45% | 2.35% | +2.80% |
| company:19327 | -2.78% | 0.00% | +2.78% |
| Reliance Industries Ltd. | 1.70% | -0.99% | -2.69% |
| Others | 32.72% | 31.56% | -1.16% |
| IRB InvIT Fund | 2.02% | 2.73% | +0.71% |
| DLF Ltd. | -0.42% | 0.22% | +0.64% |
| Larsen & Toubro Ltd. GDR/GDS | 0.00% | -0.43% | -0.43% |
| Coal India Ltd. | 0.49% | 0.90% | +0.41% |
| Vedanta Aluminium Metal Ltd. | 0.62% | 1.01% | +0.39% |
| ITC Ltd. | 1.01% | 1.38% | +0.37% |
| National Stock Exchange | 0.00% | 0.35% | +0.35% |
| Tata Consultancy Services Ltd. | 1.29% | 1.02% | -0.27% |
| Maruti Suzuki India Ltd. | -2.23% | -2.00% | +0.23% |
| Bajaj Finance Ltd. | -2.26% | -2.07% | +0.19% |
| State Bank of India | -2.34% | -2.18% | +0.16% |
| Infosys Ltd. | 1.17% | 1.04% | -0.13% |
| HCL Technologies Ltd. | 0.92% | 0.79% | -0.13% |
| Shriram Finance Ltd | 1.15% | 1.03% | -0.12% |
| Adani Ports and Special Economic Zone Ltd. | 0.76% | 0.87% | +0.11% |
| Bharti Airtel Ltd. | -2.27% | -2.17% | +0.10% |
| Bajaj Finserv Ltd. | -0.74% | -0.65% | +0.09% |
| Wipro Ltd. | 0.59% | 0.52% | -0.08% |
| Axis Bank Ltd. | -3.81% | -3.73% | +0.08% |
| Indusind Bank Ltd. | -0.86% | -0.78% | +0.08% |
| Bajaj Auto Ltd. | 0.82% | 0.75% | -0.07% |
| Tata Motors Ltd. | 0.75% | 0.68% | -0.07% |
| ICICI Bank Ltd. | -0.86% | -0.80% | +0.06% |
| JSW Steel Ltd. | -1.60% | -1.55% | +0.05% |
| Dr. Reddy's Laboratories Ltd. | 0.50% | 0.54% | +0.04% |
| Knowledge Realty Trust | 0.95% | 0.99% | +0.04% |
| Tata Power Company Ltd. | 0.77% | 0.81% | +0.04% |
| Life Insurance Corporation of India | 0.83% | 0.80% | -0.03% |
| HDFC Bank Ltd. | -1.75% | -1.78% | -0.03% |
| Kotak Mahindra Bank Ltd. | -3.03% | -3.01% | +0.03% |
| Hindalco Industries Ltd. | -0.42% | -0.40% | +0.03% |
| SBI Life Insurance Company Ltd. | -1.07% | -1.04% | +0.02% |
| Indus Infra Trust | 1.78% | 1.75% | -0.02% |
| Hero Motocorp Ltd. | 0.84% | 0.82% | -0.02% |
| GOI | 8.19% | 8.21% | +0.02% |
| Cipla Ltd. | -0.52% | -0.50% | +0.02% |
| Indus Towers Ltd. | -0.97% | -0.96% | +0.02% |
| REC Ltd. | 0.25% | 0.23% | -0.02% |
| Aurobindo Pharma Ltd. | 1.08% | 1.07% | -0.01% |
| Oil And Natural Gas Corporation Ltd. | 0.86% | 0.85% | -0.01% |
| Nexus Select Trust | 0.81% | 0.82% | +0.01% |
| Hindustan Aeronautics Ltd. | -0.61% | -0.61% | +0.01% |
| Embassy Office Parks REIT | 0.96% | 0.96% | +0.01% |
| Power Grid Corporation Of India Ltd. | 0.83% | 0.83% | 0.00% |
| Interglobe Aviation Ltd. | -0.19% | -0.19% | 0.00% |
| Brookfield India Real Estate Trust REIT | 0.70% | 0.70% | 0.00% |
| NTPC Ltd. | 0.68% | 0.68% | 0.00% |
| Dabur India Ltd. | -0.05% | -0.05% | 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 | ₹3,309 Cr | 2.20% | 7.7% | 7.5% | 9.1% |
 Kotak Equity Savings Fund | ₹10,443 Cr | 2.13% | 3.9% | 5.7% | 8.1% |
 Mirae Asset Equity Savings Fund | ₹1,994 Cr | 1.72% | 7.7% | 7.5% | 8.8% |
 Edelweiss Equity Savings Fund | ₹1,704 Cr | 2.10% | 8.8% | 8.6% | 9.5% |
 HSBC Equity Savings Fund | ₹1,558 Cr | 2.37% | 10.3% | 9.5% | 11.1% |
 Axis Equity Savings Fund | ₹848 Cr | 2.68% | 8.1% | 6.4% | 7.8% |
About
About this fund
The scheme’s own words, its benchmark and the people running it.
Investment objective
The Scheme seeks to provide capital appreciation and income distribution to the investors using arbitrage opportunities, investment in equity / equity related instruments and debt / money market instruments.
Fund managers
- Anurag MittalMr. Mittal is B.Com. (Hons), CA and M.Sc. in Accounting and Finance (specialization in Finance) from London School of Economics & Political Science.Prior to joining UTI Mutual Fund, he worked with IDFC AMC, HDFC AMC ( Sept. 2012 - Oct. 2015), Axis AMC (July 2009 - Sept. 2012), ICICI Prudential Life Insurance Company Ltd. as Credit Research Analyst (2008-2009) and with Bank of America in Corporate Banking (2006-2008).
- V SrivatsaMr. Srivatsa is a B.Com (H), Chartered Accountant, CWA. and PGDM from IIM Indore.Prior to joining UTI Mutual Fund in 2002 he has worked with Ford, Rhodes Parks & Co., Chartered Accountants and Madras Cements Ltd.
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 months2.76% absolute | ₹60,000 | ₹61,656 | 2.76% | |
| 1 year2.84% annualised | ₹1,20,000 | ₹1,21,862 | 1.55% | |
| 3 years7.82% annualised | ₹3,60,000 | ₹4,06,892 | 13.03% | |
| 5 years7.66% annualised | ₹6,00,000 | ₹7,32,942 | 22.16% |
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 Equity Savings Fund?
The NAV of UTI Equity Savings Fund is ₹19.19 as on 9 Nov 2026.
What is the expense ratio of UTI Equity Savings Fund?
The expense ratio of UTI Equity Savings Fund is 2.06% per year.
What is the minimum SIP amount for UTI Equity Savings Fund?
You can start a SIP in UTI Equity Savings Fund with ₹3,000 a month.
What returns has UTI Equity Savings Fund given?
UTI Equity Savings Fund has returned 4.0% over 1 year, 5.2% over 3 years and 7.4% over 5 years (annualised).
Is there a lock-in or exit load on UTI Equity Savings Fund?
Lock-in: None. Exit load: Exit load of 1%, if redeemed within 30 days..
How risky is UTI Equity Savings Fund?
UTI Equity Savings Fund is rated Moderately High on the SEBI riskometer and belongs to the Equity Savings category.
Which fund house manages UTI Equity Savings Fund?
UTI Equity Savings Fund is managed by UTI Mutual Fund, which runs 67 schemes with ₹4,04,584 Cr under management.