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

The UTI Equity Savings Fund Direct - Growth is a 7 yrs 5 m old fund and has delivered average annual returns of 9.91% since inception. UTI Equity Savings Fund Direct - Growth Returns 1-Year 3-Year 5-Year Since Inception 8.48% 11.6% 10.67% 9.91%

Question 1

What is the current NAV of UTI Equity Savings Fund Direct - Growth?

Accepted Answer

The current Net Asset Value (NAV) of the UTI Equity Savings Fund - Direct Growth plan is approximately ₹20.198 as of Feb 02, 2026.

Question 2

What are the returns of this mutual fund scheme?

Accepted Answer

The UTI Equity Savings Fund Direct - Growth is a 7 yrs 5 m old fund and has delivered average annual returns of 9.91% since inception.

UTI Equity Savings Fund Direct - Growth Returns

1-Year	3-Year	5-Year	Since Inception
8.48%	11.6%	10.67%	9.91%

Question 3

How much does this mutual fund charge as expense ratio?

Accepted Answer

The UTI Equity Savings Fund - Direct Growth has an expense ratio of 0.67%, 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.

Question 4

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

Accepted Answer

The UTI Equity Savings Fund currently has assets under management (AUM) or fund size valued at approximately 810 Cr as on Dec 31, 2025.

Question 5

What are the top stock holdings of UTI Equity Savings Fund?

Accepted Answer

The UTI Equity Savings Fund's equity portion has been invested in the stocks of the following companies

Company	Percentage of Portfolio
Axis Bank Ltd.	4.85%
HDFC Bank Ltd.	4.78%
Mahindra & Mahindra Ltd.	4.16%
Kotak Mahindra Bank Ltd.	3.33%
Grasim Industries Ltd.	3.23%
Reliance Industries Ltd.	3.21%
State Bank of India	3.0%
Larsen & Toubro Ltd.	2.42%
Maruti Suzuki India Ltd.	2.33%
ICICI Bank Ltd.	2.15%

Question 6

What are the top sectors UTI Equity Savings Fund has invested in?

Accepted Answer

The UTI Equity Savings Fund's equity portion is primarily invested in the following sectors -

Company	Percentage of Portfolio
Axis Bank Ltd.	4.85%
HDFC Bank Ltd.	4.78%
Mahindra & Mahindra Ltd.	4.16%
Kotak Mahindra Bank Ltd.	3.33%
Grasim Industries Ltd.	3.23%
Reliance Industries Ltd.	3.21%
State Bank of India	3.0%
Larsen & Toubro Ltd.	2.42%
Maruti Suzuki India Ltd.	2.33%
ICICI Bank Ltd.	2.15%

Question 7

To whom does UTI Equity Savings Fund lend to?

Accepted Answer

The top 3 debt holdings of UTI Equity Savings Fund are as follows

Holding Name	Percentage of Portfolio
GOI	21.7%
Axis Bank Ltd.	0.62%
Others	0.03%

Question 8

What is the quality of borrowers this mutual fund scheme lends to?

Accepted Answer

The credit rating of the instruments in which the fund invests represents the quality of the borrower. The UTI Equity Savings Fund's debt portion's allocation by credit quality is given below

Holding Name	Percentage of Portfolio
GOI	21.7%
Axis Bank Ltd.	0.62%
Others	0.03%

Question 9

What is risk level of UTI Equity Savings Fund?

Accepted Answer

This is a Equity Savings fund comes with Moderately High risk.

Question 10

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

Accepted Answer

No, this fund does not have any lock-in period.

Question 11

How do I invest in UTI Equity Savings Fund Direct - Growth?

Accepted Answer

It is very fast, easy, and completely paperless in this mutual fund scheme on ET Money. The whole process takes just a few minutes. Here's how it works:

For the Desktop Version:

Click on the "Invest Now" button at the top right, then scan the QR code to download the app.

For the Mobile Version:

Click on the "Invest on App" button at the bottom to download the app.
Once the app is downloaded:
Sign-up and complete your one time KYC process, or log in if you're already registered.
Search for UTI Equity Savings Fund - Direct Growth, select your investment mode (lump sum or SIP), and enter the investment amount.
Provide the required details, including the bank account you'll use for payment, and confirm your investment.

That's it. Your investment in the UTI Equity Savings Fund is complete.

Question 12

How can I redeem my investments in UTI Equity Savings Fund?

Accepted Answer

Redeeming your investments in the UTI Equity Savings 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.

Expense ratio	0.67% as on Feb 02, 2026
Exit load	1.0% Exit load of 1%, if redeemed within 30 days.!
AUM (Fund size)	₹810 Cr
Lock-in Period	Nil
Age	7 yrs 5 m since Aug 10, 2018
Benchmark	CRISIL Equity Saving
Min. investment	SIP: ₹500 & Lumpsum: ₹5000
Risk	Moderately High
Short term capital gains (STCG)	Returns taxed at 20% if you redeem before 1 year
Long term capital gains (LTCG)	After 1 year, returns above ₹1.25 lakh in a financial year are taxed at 12.5%

Period	This fund	Category average
1 Month	-0.96%	-1.08%
3 Months	1.3%	-0.37%
6 Months	4.4%	1.9%
1 Year	8.48%	6.79%
2 Years	8.77%	7.44%
3 Years	11.6%	9.84%
4 Years	10.19%	8.13%
5 Years	10.67%	8.52%
7 Years	10.67%	9.02%

Fund name	1M	6M	1Y	3Y	5Y	10Y
UTI Equity Savings Fund	-0.96%	4.4%	8.48%	11.6%	10.67%	N.A.
Edelweiss Equity Savings Fund	-1.19%	3.0%	8.54%	12.11%	10.31%	10.33%
Kotak Equity Savings Fund	-2.74%	2.81%	7.46%	11.86%	10.94%	10.42%
Sundaram Equity Savings Fund	-1.7%	1.59%	7.4%	12.78%	10.91%	10.32%
DSP Equity Savings Fund	-0.84%	1.8%	6.54%	10.81%	9.66%	9.5%

Fund name	Std. deviation	Beta	Sharpe	Sortino
UTI Equity Savings Fund	4.04	0.55	1.32	1.89
Edelweiss Equity Savings Fund	3.48	0.44	1.64	2.27
Kotak Equity Savings Fund	5.21	0.69	1.07	1.3
Sundaram Equity Savings Fund	5.1	0.65	1.22	2.14
DSP Equity Savings Fund	3.64	0.47	1.18	2.51

Fund name	ETM Rank	AUM	Fund age	Expense ratio
UTI Equity Savings Fund	N.A.	810 Cr	7 yrs 5 m	0.67%
Edelweiss Equity Savings Fund	N.A.	1,195 Cr	11 yrs 4 m	0.61%
Kotak Equity Savings Fund	N.A.	9,651 Cr	11 yrs 4 m	0.69%
Sundaram Equity Savings Fund	N.A.	1,207 Cr	13 yrs 1 m	0.72%
DSP Equity Savings Fund	N.A.	3,905 Cr	9 yrs 10 m	0.65%

UTI Equity Savings Fund Direct - Growth

Historical NAV & returns

UTI Equity Savings Fund overview

UTI Equity Savings Fund Returns calculator

Trailing returns as on Feb 03, 2026

Asset allocationas on Dec 31, 2025

Peer comparison

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

About this fund

About UTI Equity Savings Fund

Fund managers

Investment objective

UTI Mutual Fund details

More funds from UTI Mutual Fund

Frequently asked questions

UTI Equity Savings Fund Direct - Growth Returns

ET Money rank

Alpha	2.79 vs. 3.94 Underperformed at beating benchmark
Sharpe	1.32 vs. 3.84 Poor risk-adjusted returns
Beta	0.55 vs. 0.93 Less sensitive to market ups & downs
Standard deviation	4.04 vs. 3.72 More volatile performance

Fund AUM	810 Cr as on Dec 31, 2025
Scheme document	View Scheme Document

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

Fund name	ETM Rank	AUM	1Y	5Y
UTI Aggressive Hybrid Fund	N.A.	6,758 Cr	7.43%	15.68%
UTI Multi Asset Allocation Fund	N.A.	6,720 Cr	11.15%	15.3%
UTI Retirement Fund	N.A.	4,789 Cr	6.42%	11.71%
UTI Conservative Hybrid Fund	N.A.	1,703 Cr	5.45%	9.26%
UTI Arbitrage Fund	N.A.	10,465 Cr	6.94%	6.51%

Sector	Percentage of Portfolio
Financial	22.05%
Automobile	9.57%
Technology	6.389999999999999%
Energy	6.3%
Metals & Mining	4.92%
Materials	4.05%
Construction	3.05%
Insurance	2.9300000000000006%
Communication	2.6999999999999997%
Healthcare	1.98%

Credit Quality	Percentage of Portfolio
Cash	32.21051379%
SOV	21.69305697%
Cash & Call Money	3.89926628%