UTI Equity Savings Fund - Regular Plan - Growth Option
💡 Why Pick This Fund? Quantitative Strengths & Watch-outs
- Delivered positive returns in 100% of 3-year investment horizons.
- 5-Year CAGR of 7.79% demonstrates steady long-term compounding.
- Equities carry market risk; returns fluctuate and recommended investment horizon is 5+ years.
Key Statistics vs Category Median
Trailing Returns Comparison
| Period | Fund Return | Category Median | Difference |
|---|---|---|---|
| 1 Month | +4.07% | +2.96% | +1.11% |
| 3 Months | +1.04% | +1.17% | -0.13% |
| 6 Months | +3.04% | +3.88% | -0.84% |
| 1 Year | +2.83% | +4.14% | -1.31% |
| 3 Years CAGR | +7.91% | +8.21% | -0.30% |
| 5 Years CAGR | +7.79% | +7.26% | +0.53% |
| 7 Years CAGR | +9.29% | +8.53% | +0.76% |
| Since Inception | +8.30% | - | - |
📈 Monthly SIP vs Bank Fixed Deposit (FD) Replay
See how a regular monthly SIP in UTI Equity Savings Fund compares against a standard 7.0% p.a. Bank Fixed Deposit.
Calendar Year Returns
| Year | Fund | Category Median | Gap |
|---|---|---|---|
| 2026 | +1.22% | +3.40% | -2.18% |
| 2025 | +8.41% | +6.70% | +1.71% |
| 2024 | +9.18% | +11.07% | -1.89% |
| 2023 | +15.73% | +14.27% | +1.46% |
| 2022 | +6.33% | +2.49% | +3.84% |
| 2021 | +14.03% | +12.79% | +1.24% |
| 2020 | +10.14% | +11.09% | -0.95% |
| 2019 | +4.32% | +7.85% | -3.53% |
Daily Rolling Returns Summary
| Rolling Window | Minimum | Average | Median | Maximum | % Positive | % Beating Proxy |
|---|---|---|---|---|---|---|
| 1-Year Rolling | -10.33% | +9.37% | +7.63% | +32.07% | 94.8% | - |
| 3-Year Rolling | +6.49% | +10.57% | +10.48% | +15.24% | 100.0% | - |
| 5-Year Rolling | +6.87% | +10.51% | +10.66% | +14.33% | 100.0% | - |
Risk Profile & Deepest Drawdowns
Deepest Market Corrections (Depth >= 10%)
| Peak Date | Trough Date | Fall Depth | Months to Bottom | Recovery Period |
|---|---|---|---|---|
| 2020-01-24 | 2020-03-23 | -13.9% | 2 months | 5 months |
Portfolio & Asset Allocation
Statutory Asset Allocation Mandate (SEBI / SID)
| Instrument Category | Permitted Allocation Range |
|---|---|
| Equity and equity related instruments 65% - 90% Of which: a) Cash future arbitrage opportunities | 25% - 75% b) Net long equity position: 15% - 40% Debt and Money market instruments : 10% - 35% Asset allocation pattern under defensive consideration: Equity and equity related instruments: 15% - 90% a) Cash Future arbitrage opportunities: 10% - 90% b) Net long equity position: 5% - 40% Debt and Money market instruments: 10% - 85% Net long equity position shall mean market value of long equity positions in equity and equity related securities, netted off against market value of short position through equity derivatives. Equity options to be excluded from the calculations. |
Investment Objective & Strategy
The investment objective of the Scheme is to provide capital appreciation and income distribution to the investors using arbitrage opportunies, investment in equity / equity related instruments and debt / money market instruments. However, there is no assurance or guarantee that the investment objective of the Scheme would be achieved.
ℹ️ Detailed monthly stock-level holdings for this scheme are updated periodically from asset management company statutory disclosures.
Fund Size Position
Currently managing Rs 821 cr (AMFI Daily Fund AUM as of 2026-11-11). Positioned as comfortable relative to Equity Savings schemes.
Fund Management
Cost & Capital Gains Taxation
From April 2026 the total expense ratio includes brokerage, transaction costs and statutory levies on top of the base fee.
Equity-oriented schemes: 20% short-term capital gains tax if sold within 12 months; 12.5% long-term capital gains tax on gains exceeding ₹1.25 lakh per financial year when held for more than 12 months.
Closest Equity Savings Peers by Rank
| Scheme | Score | 3Y Return | Expense | Downside | Fund Size | Compare |
|---|---|---|---|---|---|---|
| Mahindra Manulife Equity Savings Fund | 2.8 | +8.21% | 2.82% | - | Rs 530 cr | Compare → |
| SBI Equity Savings Fund | 4.0 | +7.60% | 2.00% | - | Rs 5,386 cr | Compare → |
| Baroda BNP Paribas Equity Savings Fund | 4.9 | +8.68% | 2.83% | - | Rs 278 cr | Compare → |
| LIC MF Equity Savings Fund | 3.9 | +7.83% | 2.80% | - | Rs 38.8 cr | Compare → |
| Axis Equity Savings Fund | 4.6 | +8.83% | 2.68% | - | Rs 872 cr | Compare → |
Frequently Asked Questions about UTI Equity Savings Fund
What is the expense ratio of UTI Equity Savings Fund?
UTI Equity Savings Fund has a total expense ratio (TER) of 2.06% with a base expense ratio of 1.52%, compared to the Equity Savings category median of 2.19%.
Who manages UTI Equity Savings Fund?
UTI Equity Savings Fund is managed by Anurag Mittal (tenure: 0.7 years since 2026-02-27).
What are the historical returns of UTI Equity Savings Fund?
UTI Equity Savings Fund delivered a 3-year CAGR of 7.91% and a 5-year CAGR of 7.79%. Its 1-year return stands at +2.83%.
How large is UTI Equity Savings Fund?
UTI Equity Savings Fund manages assets of Rs 821 cr, placing it in the 'comfortable' size band relative to Equity Savings peers.
How is UTI Equity Savings Fund scored on MFIQ?
UTI Equity Savings Fund holds an MFIQ Score of 5.5/10 (Average), based on a category percentile composite across returns, risk, consistency, and cost.
How risky is UTI Equity Savings Fund?
UTI Equity Savings Fund has an official SEBI riskometer rating of Very High. Over the analyzed period, its annualized standard deviation is 4.54% with a maximum historical drawdown of -13.86%.