UTI ELSS Tax Saver Fund

Q: What are the returns of this mutual fund scheme?

The UTI ELSS Tax Saver Fund is a 20 yrs 6 m old fund and has delivered average annual returns of 11.57% since inception. UTI ELSS Tax Saver Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 3.65% 13.29% 11.42% 13.03% 11.57%

Q: How much does this mutual fund charge as expense ratio?

The UTI ELSS Tax Saver Fund has an expense ratio of 1.89% , representing the annual cost of managing and operating the fund. This fee is deducted from the fund's AUM while declaring the daily NAV, reducing investor returns.

NAV as of Feb 02, 2026	Returns since inception	ET Money Rank	AUM (Fund size)
₹201.842-0.74% 1 day change	11.57% p.a.	App exclusive #NA View Ranked Funds	₹3,762 Cr

Historical NAV & returns

NAV: ₹201.842 as on Feb 02, 2026

This fund Category average

UTI ELSS Tax Saver Fund overview

AUM (Fund size)	₹3,762 Cr
Exit load	0%
Lock-in Period	3 Years
Age	20 yrs 6 m since Aug 01, 2005
Benchmark	NIFTY 500 TRI
Min. investment	SIP: ₹500 & Lumpsum: ₹500
Expense ratio	1.89% as on Feb 02, 2026
Plan type	Regular
Risk	Very High
Long term capital gains (LTCG)	After 1 year, returns above ₹1.25 lakh in a financial year are taxed at 12.5%

UTI ELSS Tax Saver Fund Returns calculator

Investment type

Monthly investment

₹ 10,000

Investment period

Lumpsum investment

₹1 lakh

Investment period

Disclaimer: Products compared like fixed deposits may provide fixed guaranteed returns. Mutual Funds investments are subject to market risk, read all scheme related documents carefully. Past performance is not an indicator of future returns.

Total investment ₹ 12 lakh
Profit ₹12 lakhs
Total corpus ₹1 lakh
Absolute return 52.69%

Trailing returns as on Feb 03, 2026

Period	This fund	Category average
1 Month	-4.89%	-5.09%
3 Months	-3.78%	-5.29%
6 Months	-0.39%	-1.99%
1 Year	3.65%	4.27%
2 Years	7.13%	7.05%
3 Years	13.29%	14.55%
4 Years	8.08%	10.59%
5 Years	11.42%	13.27%
7 Years	13.71%	13.3%
10 Years	13.03%	12.91%

View returns in detail

Asset allocationas on Dec 31, 2025

Large Cap 73.19%

Mid Cap 14.55%

Small Cap 12.12%

Other Cap 0%

Top holdings

HDFC Bank Ltd.9.35%

ICICI Bank Ltd.6.16%

Bharti Airtel Ltd.4.76%

Infosys Ltd.4.62%

Top sectors

Financial 31.330000000000002%

Technology 10.540000000000001%

Automobile 10.090000000000002%

Energy 7.539999999999999%

Credit quality

Bifurcation by Credit Quality is not available for this fund

Top Debt Holdings

Others 0.01%

Allocation by Instruments

Net Current Assets 0.13721966%

CBLO 0.00664566%

Other Holdings

Others 0.14%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
UTI ELSS Tax Saver Fund	-4.89%	-0.39%	3.65%	13.29%	11.42%	13.03%
SBI ELSS Tax Saver Fund	-4.03%	1.2%	7.03%	22.96%	19.07%	15.9%
HDFC ELSS Tax Saver Fund	-3.92%	1.12%	9.5%	20.39%	19.23%	15.65%
Parag Parikh ELSS Tax Saver Fund	-4.08%	-2.6%	2.31%	14.99%	16.37%	11.86%
DSP ELSS Tax Saver Fund	-3.89%	2.46%	9.72%	19.42%	17.14%	16.87%
Franklin India ELSS Tax Saver Fund	-4.69%	-1.98%	3.8%	17.3%	15.72%	13.93%

Fund name	Std. deviation	Beta	Sharpe	Sortino
UTI ELSS Tax Saver Fund	12.69	0.95	0.6	0.91
SBI ELSS Tax Saver Fund	12.9	0.96	1.24	1.95
HDFC ELSS Tax Saver Fund	10.97	0.83	1.24	2.04
Parag Parikh ELSS Tax Saver Fund	9.45	0.69	0.95	1.49
DSP ELSS Tax Saver Fund	12.91	0.97	1.0	1.81
Franklin India ELSS Tax Saver Fund	12.32	0.94	0.91	1.34

Fund name	ETM Rank	AUM	Fund age	Expense ratio
UTI ELSS Tax Saver Fund	N.A.	3,762 Cr	20 yrs 6 m	1.89%
SBI ELSS Tax Saver Fund	N.A.	32,609 Cr	18 yrs 8 m	1.57%
HDFC ELSS Tax Saver Fund	N.A.	17,163 Cr	30 yrs 1 m	1.7%
Parag Parikh ELSS Tax Saver Fund	N.A.	5,915 Cr	6 yrs 6 m	1.72%
DSP ELSS Tax Saver Fund	N.A.	17,609 Cr	19 yrs 2 m	1.64%
Franklin India ELSS Tax Saver Fund	N.A.	6,693 Cr	26 yrs 9 m	1.83%

View all Elss funds

Key risk & return ratios Compared to other funds in the category

Alpha	-1.8 vs. 6.46 Underperformed at beating benchmark
Sharpe	0.6 vs. 5.08 Poor risk-adjusted returns
Beta	0.95 vs. 0.97 Less sensitive to market ups & downs
Standard deviation	12.69 vs. 12.69 More stable returns

Compare UTI ELSS Tax Saver Fund in detail with

About this fund

About UTI ELSS Tax Saver Fund

UTI ELSS Tax Saver Fund is a ELSS mutual fund scheme from Uti Mutual Fund. This fund has been in existence for 20 yrs 6 m, having been launched on 01/08/2005. UTI ELSS Tax Saver Fund has ₹3,762 Crores worth of assets under management (AUM) as on 31/12/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of UTI ELSS Tax Saver Fund as of 02/02/2026 is ₹201.84. The fund has an expense ratio of 1.89%, which is higher than what most other Elss funds charge.

UTI ELSS Tax Saver Fund returns of last 1-year are 4.33%. Since launch, it has delivered 14.13% average annual returns. The fund has doubled the money invested in it every 6 yrs.
UTI ELSS Tax Saver Fund scheme's ability to deliver returns consistently is in-line with most funds of its category. Its ability to control losses in a falling market is below average.
The fund has the majority of its money invested in Financial, Technology, Automobile, Energy, Services sectors. It has taken less exposure in Financial, Technology sectors compared to other funds in the category.
The fund's top 5 holdings are in HDFC Bank Ltd., ICICI Bank Ltd., Bharti Airtel Ltd., Infosys Ltd., Kotak Mahindra Bank Ltd..

...

Fund AUM	3,762 Cr as on Dec 31, 2025
Scheme document	View Scheme Document

Fund managers

Amit Kumar Premchandani

Mr. 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.

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.

UTI Mutual Fund details

No. of schemes	63 view all schemes
Total AUM	3,95,059 Cr as on Dec 31, 2025
Address	UTI Tower, Plot C-1, GN Block, Banrda Kurla Complex, Bandra (East) Mumbai, 400051
Phone	0263 2296993

More funds from UTI Mutual Fund

Fund name	ETM Rank	AUM	1Y	5Y
UTI Large & Mid Cap Fund	N.A.	5,635 Cr	9.59%	19.04%
UTI Transportation and Logistics Fund	N.A.	4,084 Cr	14.01%	18.55%
UTI Small Cap Fund	N.A.	4,737 Cr	-1.99%	18.24%
UTI Infrastructure Fund	N.A.	2,171 Cr	7.58%	17.35%
UTI Dividend Yield Fund	N.A.	3,946 Cr	6.96%	17.17%
UTI Nifty 500 Value 50 Index Fund	N.A.	560 Cr	24.5%	N.A.

See all Equity funds from this AMC

Frequently asked questions

What is the current NAV of UTI ELSS Tax Saver Fund?

The current Net Asset Value (NAV) of the UTI ELSS Tax Saver Fund plan is approximately ₹201.842 as of Feb 02, 2026.

What are the returns of this mutual fund scheme?

The UTI ELSS Tax Saver Fund is a 20 yrs 6 m old fund and has delivered average annual returns of 11.57% since inception.

UTI ELSS Tax Saver Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
3.65%	13.29%	11.42%	13.03%	11.57%

How much does this mutual fund charge as expense ratio?

The UTI ELSS Tax Saver Fund has an expense ratio of 1.89%, representing the annual cost of managing and operating the fund. This fee is deducted from the fund's AUM while declaring the daily NAV, reducing investor returns.

What is the AUM or fund size of this mutual fund?

The UTI ELSS Tax Saver Fund currently has assets under management (AUM) or fund size valued at approximately 3,762 Cr as on Dec 31, 2025.

What are the top stock holdings of UTI ELSS Tax Saver Fund?

The UTI ELSS Tax Saver Fund has invested the majority of its money in the stocks of the following companies -

Company	Percentage of Portfolio
HDFC Bank Ltd.	9.35%
ICICI Bank Ltd.	6.16%
Bharti Airtel Ltd.	4.76%
Infosys Ltd.	4.62%
Kotak Mahindra Bank Ltd.	4.1%
Axis Bank Ltd.	3.96%
Reliance Industries Ltd.	3.24%
Bajaj Finance Ltd.	2.62%
Tech Mahindra Ltd.	2.54%
Mahindra & Mahindra Ltd.	2.22%

What are the top sectors UTI ELSS Tax Saver Fund has invested in?

The UTI ELSS Tax Saver Fund has primarily invested in the following sectors

Sector	Percentage of Portfolio
Financial	31.330000000000002%
Technology	10.540000000000001%
Automobile	10.090000000000002%
Energy	7.539999999999999%
Services	6.66%
Healthcare	6.3%
Communication	4.76%
Consumer Staples	4.37%
Capital Goods	3.71%
Materials	3.5%

What is risk level of UTI ELSS Tax Saver Fund?

This is a Elss fund comes with Very High risk.

Is there any lock-in period in this mutual fund?

Yes, this fund comes with a mandatory lock-in period of 3 years.

How can I redeem my investments in UTI ELSS Tax Saver Fund?

Redeeming your investments in the UTI ELSS Tax Saver Fund is simple. If you have invested via ET Money, just log in to the app, go to the holdings section, and submit the redemption request.

If you have invested from anywhere else, you can go to the fund house website and put a request through it.

ET Money rank

App exclusive

in ELSS

#NA

Return Outperformance: This fund has generated highest return amongst ELSS funds in the last 10 Years.
Exit Load: This fund has no exit load.
Return Consistency: This fund ranks lower in terms of generating consistent return in it's category.
Volatility Protection: This fund ranks lower in terms of protecting against volatility within its category.
Chance: This fund has generated only 9.36% annual return in 70% of times for investors holding for at least 5 years.
Return/Risk: The fund is performing poorly than its category.