UTI Equity Savings Fund
Equity SavingsModerately HighOPEN-ENDED
- NAV as on 25 Sep 2026
- ₹18.73+0.18%1 day
- Return since launch
- 8.1%
- 52-week range
- ₹18.18 — ₹19.14
- AUM
- ₹816 Cr
UTI Equity Savings Fund is a Equity Savings hybrid fund from UTI Mutual Fund with ₹816 Cr under management, launched in 2018. Over three years it has returned 4.1% a year, against 7.6% 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 | -0.2% | −3.7 pts | 3.5% | 1.9% |
| 2Y | 2.4% | −1.4 pts | 3.8% | 3.2% |
| 3Y | 4.1% | −3.4 pts | 7.6% | 4.3% |
| 5Y | 6.9% | +0.1 pts | 6.8% | 6.1% |
| 7Y | 8.3% | +0.4 pts | 7.9% | 6.9% |
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1M | -1.2% | −0.5 pts | -0.8% | -0.8% |
| 3M | -0.4% | −1.0 pts | 0.6% | 0.3% |
| 6M | 2.1% | −2.1 pts | 4.2% | 3.6% |
| 1Y | 2.5% | −1.0 pts | 3.5% | 2.6% |
| 2Y | 2.4% | −0.7 pts | 3.1% | 2.6% |
| 3Y | 7.2% | −0.4 pts | 7.6% | 6.5% |
| 5Y | 7.5% | +0.7 pts | 6.8% | 5.9% |
| 7Y | 9.0% | +0.8 pts | 8.2% | 7.4% |
Since launch (10 Aug 2018): 8.1%
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 25 Sep 2026
Charged yearly and already deducted from the NAV.
- Base expense
- 1.52%
- Brokerage
- 0.04%
- Transaction charges
- 0.00%
- Statutory levies
- 0.50%
- 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 | 0.87 | How hard the fund moves when the market moves. Under 1 is steadier than the market. |
| Sharpe | 0.44 | 0.72 | Return earned for each unit of total risk taken. Higher is better. |
| Sortino | 0.50 | 0.84 | Return earned for each unit of downside risk. Higher is better. |
| Std. deviation | 4.90 | 6.16 | 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 31 Aug 2026
Asset allocation
- Equity34.1%
- Debt21.9%
- Other44.0%
Market cap split
- Large94.3%
- Mid5.7%
- P/E
- 18.92
- P/B
- 2.62
Top holdings
| Holding | Sector | Weight | Value | 3M chg | 6M chg | 1Y chg |
|---|---|---|---|---|---|---|
| Others | Others | 36.73% | ₹300 Cr | +97.61% | +95.58% | +108.47% |
| GOI | Sovereign | 8.19% | ₹66.84 Cr | +8.09% | +8.10% | +9.48% |
| Grasim Industries Ltd. | Materials | 3.72% | ₹30.36 Cr | -2.61% | -2.29% | -2.65% |
| HDFC Bank Ltd. | Financial | 2.83% | ₹23.13 Cr | -3.59% | -4.74% | -5.13% |
| ICICI Bank Ltd. | Financial | 2.58% | ₹21.05 Cr | -1.49% | -1.60% | -1.90% |
| Axis Bank Ltd. | Financial | 2.33% | ₹19.02 Cr | -11.58% | -12.18% | -10.02% |
| Larsen & Toubro Ltd. | Construction | 2.04% | ₹16.62 Cr | -0.91% | -0.94% | -0.92% |
| IRB InvIT Fund | Construction | 2.02% | ₹16.52 Cr | +1.84% | +1.49% | — |
| Indus Infra Trust | Construction | 1.78% | ₹14.50 Cr | +0.52% | +0.41% | — |
| Reliance Industries Ltd. | Energy | 1.70% | ₹13.89 Cr | +1.76% | +2.51% | -1.02% |
| Tata Consultancy Services Ltd. | Technology | 1.29% | ₹10.49 Cr | -0.24% | -0.28% | -0.72% |
| State Bank of India | Financial | 1.22% | ₹9.93 Cr | -4.29% | -4.71% | -3.67% |
| Infosys Ltd. | Technology | 1.17% | ₹9.56 Cr | +1.25% | +1.38% | -2.12% |
| Shriram Finance Ltd | Financial | 1.15% | ₹9.35 Cr | +0.99% | +1.11% | +0.37% |
| Bharti Airtel Ltd. | Communication | 1.11% | ₹9.10 Cr | -4.43% | -2.99% | -2.60% |
| Aurobindo Pharma Ltd. | Healthcare | 1.08% | ₹8.85 Cr | +1.03% | +0.88% | -0.13% |
| ITC Ltd. | Consumer Staples | 1.01% | ₹8.22 Cr | +1.26% | +1.35% | +1.68% |
| Embassy Office Parks REIT | Construction | 0.96% | ₹7.83 Cr | +0.93% | +1.50% | +1.31% |
| Knowledge Realty Trust | Construction | 0.95% | ₹7.78 Cr | +0.99% | +1.40% | +0.17% |
| HCL Technologies Ltd. | Technology | 0.92% | ₹7.49 Cr | +1.05% | +1.26% | +1.19% |
| Interglobe Aviation Ltd. | Services | 0.87% | ₹7.06 Cr | -0.32% | -0.35% | -0.47% |
| Oil And Natural Gas Corporation Ltd. | Energy | 0.86% | ₹7.02 Cr | +0.85% | — | -0.57% |
| Hero Motocorp Ltd. | Automobile | 0.84% | ₹6.85 Cr | +0.72% | +0.83% | +0.83% |
| Life Insurance Corporation of India | Insurance | 0.83% | ₹6.78 Cr | +1.00% | +0.92% | +0.57% |
| Power Grid Corporation Of India Ltd. | Energy | 0.83% | ₹6.74 Cr | -0.40% | -0.40% | -0.73% |
| Bajaj Auto Ltd. | Automobile | 0.82% | ₹6.70 Cr | — | -0.93% | +0.13% |
| Nexus Select Trust | Construction | 0.81% | ₹6.62 Cr | +0.74% | +1.57% | +1.07% |
| Tata Power Company Ltd. | Energy | 0.77% | ₹6.28 Cr | +0.77% | — | — |
| Adani Ports and Special Economic Zone Ltd. | Services | 0.76% | ₹6.16 Cr | +0.44% | — | — |
| Tata Motors Ltd. | Automobile | 0.75% | ₹6.12 Cr | +0.60% | +0.79% | — |
| Brookfield India Real Estate Trust REIT | Construction | 0.70% | ₹5.71 Cr | +0.98% | +1.38% | — |
| Mahindra & Mahindra Ltd. | Automobile | 0.70% | ₹5.70 Cr | -5.88% | -6.43% | -7.08% |
| NTPC Ltd. | Energy | 0.68% | ₹5.55 Cr | +0.92% | +0.94% | +0.71% |
| Vedanta Aluminium Metal Ltd. | Metals & Mining | 0.62% | ₹5.04 Cr | +0.17% | — | — |
| Wipro Ltd. | Technology | 0.59% | ₹4.85 Cr | +1.03% | +1.00% | +1.10% |
| Kotak Mahindra Bank Ltd. | Financial | 0.58% | ₹4.76 Cr | -5.47% | -5.74% | -6.34% |
| Dr. Reddy's Laboratories Ltd. | Healthcare | 0.50% | ₹4.06 Cr | +0.56% | +0.39% | +0.66% |
| Coal India Ltd. | Materials | 0.49% | ₹4.03 Cr | +0.83% | +0.88% | +0.28% |
| DLF Ltd. | Construction | 0.35% | ₹2.85 Cr | -0.74% | -0.74% | — |
| Indus Towers Ltd. | Communication | 0.33% | ₹2.70 Cr | -0.85% | -0.86% | -0.75% |
| Cipla Ltd. | Healthcare | 0.29% | ₹2.39 Cr | -1.01% | -0.96% | -1.32% |
| REC Ltd. | Financial | 0.25% | ₹2.01 Cr | +0.81% | +0.78% | — |
| Indusind Bank Ltd. | Financial | 0.24% | ₹1.98 Cr | -1.57% | -1.60% | -1.46% |
| Bajaj Finance Ltd. | Financial | 0.22% | ₹1.78 Cr | -3.83% | -0.79% | -0.81% |
| Maruti Suzuki India Ltd. | Automobile | 0.19% | ₹1.55 Cr | -4.34% | -3.11% | -3.62% |
| SBI Life Insurance Company Ltd. | Insurance | 0.05% | ₹0.38 Cr | -2.22% | -2.42% | -2.52% |
| Bajaj Finserv Ltd. | Financial | 0.01% | ₹0.05 Cr | -1.31% | -1.44% | -1.62% |
| Dabur India Ltd. | Consumer Staples | -0.00% | ₹-0.01 Cr | -0.12% | -0.14% | -0.17% |
| Hindalco Industries Ltd. | Metals & Mining | -0.00% | ₹-0.04 Cr | — | — | -1.44% |
| Hindustan Aeronautics Ltd. | Capital Goods | -0.01% | ₹-0.04 Cr | -1.09% | -0.97% | — |
| JSW Steel Ltd. | Metals & Mining | -0.02% | ₹-0.18 Cr | -3.10% | -3.00% | -2.85% |
| company:19327 | Materials | -2.78% | ₹-22.68 Cr | — | — | — |
Sectors
Instruments
Recent changes
| Holding | From | To | Weight |
|---|---|---|---|
| Grasim Industries Ltd. | -2.51% | 3.72% | +6.23% |
| company:19327 | 0.00% | -2.78% | -2.78% |
| Others | 31.66% | 32.72% | +1.05% |
| REC Ltd. | 0.77% | 0.25% | -0.52% |
| Kotak Mahindra Bank Ltd. | -2.70% | -3.03% | -0.33% |
| Brookfield India Real Estate Trust REIT | 0.98% | 0.70% | -0.28% |
| Bajaj Auto Ltd. | 0.61% | 0.82% | +0.22% |
| Axis Bank Ltd. | -3.59% | -3.81% | -0.22% |
| GOI | 7.99% | 8.19% | +0.20% |
| IRB InvIT Fund | 1.90% | 2.02% | +0.12% |
| Aurobindo Pharma Ltd. | 0.97% | 1.08% | +0.12% |
| State Bank of India | -2.23% | -2.34% | -0.11% |
| JSW Steel Ltd. | -1.50% | -1.60% | -0.10% |
| Tata Consultancy Services Ltd. | 1.19% | 1.29% | +0.10% |
| Reliance Industries Ltd. | 1.61% | 1.70% | +0.09% |
| Life Insurance Corporation of India | 0.74% | 0.83% | +0.09% |
| Bajaj Finance Ltd. | -2.35% | -2.26% | +0.09% |
| Shriram Finance Ltd | 1.07% | 1.15% | +0.08% |
| Tata Motors Ltd. | 0.68% | 0.75% | +0.07% |
| Mahindra & Mahindra Ltd. | -3.40% | -3.47% | -0.07% |
| NTPC Ltd. | 0.75% | 0.68% | -0.07% |
| Indus Infra Trust | 1.70% | 1.78% | +0.07% |
| ITC Ltd. | 1.08% | 1.01% | -0.07% |
| HCL Technologies Ltd. | 0.98% | 0.92% | -0.06% |
| Bharti Airtel Ltd. | -2.32% | -2.27% | +0.05% |
| SBI Life Insurance Company Ltd. | -1.11% | -1.07% | +0.04% |
| Hindustan Aeronautics Ltd. | -0.57% | -0.61% | -0.04% |
| ICICI Bank Ltd. | -0.82% | -0.86% | -0.04% |
| Hero Motocorp Ltd. | 0.88% | 0.84% | -0.04% |
| Power Grid Corporation Of India Ltd. | 0.86% | 0.83% | -0.04% |
| Knowledge Realty Trust | 0.99% | 0.95% | -0.04% |
| Infosys Ltd. | 1.13% | 1.17% | +0.04% |
| HDFC Bank Ltd. | -1.78% | -1.75% | +0.04% |
| Hindalco Industries Ltd. | -0.39% | -0.42% | -0.03% |
| Embassy Office Parks REIT | 0.93% | 0.96% | +0.03% |
| Maruti Suzuki India Ltd. | -2.26% | -2.23% | +0.03% |
| Tata Power Company Ltd. | 0.74% | 0.77% | +0.03% |
| Nexus Select Trust | 0.78% | 0.81% | +0.03% |
| Adani Ports and Special Economic Zone Ltd. | 0.78% | 0.76% | -0.03% |
| Larsen & Toubro Ltd. | -0.43% | -0.45% | -0.02% |
| DLF Ltd. | -0.40% | -0.42% | -0.02% |
| Wipro Ltd. | 0.57% | 0.59% | +0.02% |
| Indusind Bank Ltd. | -0.84% | -0.86% | -0.02% |
| Dr. Reddy's Laboratories Ltd. | 0.48% | 0.50% | +0.02% |
| Oil And Natural Gas Corporation Ltd. | 0.87% | 0.86% | -0.01% |
| Indus Towers Ltd. | -0.96% | -0.97% | -0.01% |
| Bajaj Finserv Ltd. | -0.73% | -0.74% | -0.01% |
| Vedanta Aluminium Metal Ltd. | 0.63% | 0.62% | -0.01% |
| Dabur India Ltd. | -0.06% | -0.05% | 0.00% |
| Interglobe Aviation Ltd. | -0.19% | -0.19% | 0.00% |
| Cipla Ltd. | -0.52% | -0.52% | 0.00% |
| Coal India Ltd. | 0.49% | 0.49% | 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 | ₹3,230 Cr | 2.25% | 5.0% | 7.1% | 8.8% |
 Kotak Equity Savings Fund | ₹10,684 Cr | 2.12% | 3.3% | 6.0% | 8.3% |
 Mirae Asset Equity Savings Fund | ₹2,041 Cr | 1.73% | 3.5% | 6.4% | 8.2% |
 Edelweiss Equity Savings Fund | ₹1,660 Cr | 2.15% | 8.3% | 8.7% | 9.5% |
 HSBC Equity Savings Fund | ₹1,475 Cr | 2.46% | 7.5% | 9.0% | 10.7% |
 Baroda BNP Paribas Equity Savings Fund | ₹289 Cr | 2.81% | 2.4% | 5.3% | 7.2% |
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 months2.11% absolute | ₹60,000 | ₹61,266 | 2.11% | |
| 1 year2.53% annualised | ₹1,20,000 | ₹1,21,657 | 1.38% | |
| 3 years7.20% annualised | ₹3,60,000 | ₹4,02,906 | 11.92% | |
| 5 years7.47% annualised | ₹6,00,000 | ₹7,29,217 | 21.54% |
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 ₹18.73 as on 25 Sep 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 -0.2% over 1 year, 4.1% over 3 years and 6.9% 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 66 schemes with ₹3,94,848 Cr under management.