UTI Equity Savings Fund

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

The UTI Equity Savings Fund is a 7 yrs 1 m old fund and has delivered average annual returns of 8.86% since inception. UTI Equity Savings Fund Returns 1-Year 3-Year 5-Year Since Inception 2.7% 10.82% 11.91% 8.86%

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

The UTI Equity Savings Fund has an expense ratio of 1.64% , 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 Sep 29, 2025	Returns since inception	ET Money Rank	AUM (Fund size)
₹18.2639-0.01% 1 day change	8.86% p.a.	App exclusive #NA View Ranked Funds	₹714 Cr

Historical NAV & returns

NAV: ₹18.2639 as on Sep 29, 2025

This fund Category average

UTI Equity Savings Fund overview

AUM (Fund size)	₹714 Cr
Exit load	1.0% Exit load of 1%, if redeemed within 30 days.!
Lock-in Period	Nil
Age	7 yrs 1 m since Aug 10, 2018
Benchmark	CRISIL Equity Saving
Min. investment	This scheme is currently not buyable
Expense ratio	1.64% as on Aug 31, 2025
Plan type	Regular
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%

UTI Equity Savings 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 Sep 22, 2025

Period	This fund	Category average
1 Month	0.61%	0.41%
3 Months	-0.44%	0.33%
6 Months	3.2%	4.6%
1 Year	2.7%	3.47%
2 Years	9.56%	9.75%
3 Years	10.82%	10.0%
4 Years	8.79%	7.81%
5 Years	11.91%	10.47%
7 Years	9.15%	8.47%

Asset allocationas on Aug 31, 2025

Large Cap 28.59%

Mid Cap 1.58%

Small Cap 0%

Other Cap 0%

Top holdings

HDFC Bank Ltd.5.05%

Mahindra & Mahindra Ltd.4.28%

Axis Bank Ltd.3.97%

Grasim Industries Ltd.3.89%

Top sectors

Financial 20.39%

Automobile 8.57%

Technology 7.94%

Energy 6.73%

Cash 36.15727172%

SOV 28.70454079%

Cash & Call Money 1.71753176%

A1+ 0.69995915%

Top Debt Holdings

GOI 28.7%

Axis Bank Ltd. 0.7%

Others 0.02%

Allocation by Instruments

Cash Margin 36.15727172%

GOI Securities 28.70454079%

Real Estate Investment Trusts 2.54911122%

Net Current Assets 1.70213266%

Other Holdings

Others 1.7%

Embassy Office Parks REIT 1.31%

Nexus Select Trust 1.07%

Knowledge Realty Trust 0.17%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
UTI Equity Savings Fund	0.61%	3.2%	2.7%	10.82%	11.91%	N.A.
Edelweiss Equity Savings Fund	0.45%	5.55%	5.97%	11.33%	10.85%	8.99%
Kotak Equity Savings Fund	1.3%	6.66%	3.67%	11.91%	11.6%	9.34%
Sundaram Equity Savings Fund	0.33%	4.43%	2.63%	11.39%	11.34%	8.4%
HSBC Equity Savings Fund	0.45%	9.14%	3.63%	13.43%	13.57%	8.96%

Fund name	Std. deviation	Beta	Sharpe	Sortino
UTI Equity Savings Fund	4.35	0.57	0.8	1.28
Edelweiss Equity Savings Fund	3.74	0.47	1.08	1.55
Kotak Equity Savings Fund	5.08	0.65	0.86	1.14
Sundaram Equity Savings Fund	5.35	0.66	0.75	1.41
HSBC Equity Savings Fund	7.31	0.61	0.87	0.85

Fund name	ETM Rank	AUM	Fund age	Expense ratio
UTI Equity Savings Fund	N.A.	714 Cr	7 yrs 1 m	1.64%
Edelweiss Equity Savings Fund	N.A.	843 Cr	11 yrs	1.56%
Kotak Equity Savings Fund	N.A.	8,254 Cr	11 yrs	1.76%
Sundaram Equity Savings Fund	N.A.	1,140 Cr	23 yrs 5 m	2.15%
HSBC Equity Savings Fund	N.A.	624 Cr	14 yrs	1.52%

View all Equity Savings funds

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

Alpha	1.43 vs. 3.05 Underperformed at beating benchmark
Sharpe	0.8 vs. 3.03 Poor risk-adjusted returns
Beta	0.57 vs. 0.67 Less sensitive to market ups & downs
Standard deviation	4.35 vs. 3.88 More volatile performance

Compare UTI Equity Savings Fund in detail with

About this fund

About UTI Equity Savings Fund

UTI Equity Savings Fund is a Equity Savings mutual fund scheme from Uti Mutual Fund. This fund has been in existence for 7 yrs 1 m, having been launched on 10/08/2018. UTI Equity Savings Fund has ₹714 Crores worth of assets under management (AUM) as on 31/08/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of UTI Equity Savings Fund as of 29/09/2025 is ₹18.26. The fund has an expense ratio of 1.64%, which is higher than what most other Equity Savings funds charge. Currently, the fund has a 30.17% allocation to equity and 29.42% to Debt.

UTI Equity Savings Fund returns of last 1-year are 2.43%. Since launch, it has delivered 8.87% average annual returns. The fund has doubled the money invested in it every 6 yrs.
UTI Equity Savings 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 above average.
The fund's equity portion is primarily invested in Financial, Automobile, Technology, Energy, Metals & Mining sectors. It has taken less exposure in Financial, Automobile sectors compared to other funds in the category.
The debt portion of the fund has low credit quality indicating the quality of borrowers it has lent it to is not too great.
The fund's top 5 holdings are in GOI, HDFC Bank Ltd., Mahindra & Mahindra Ltd., Grasim Industries Ltd., Infosys Ltd..

...

Fund AUM	714 Cr as on Aug 31, 2025
Scheme document	View Scheme Document

Fund managers

Sunil Madhukar Patil

Mr. Patil is MMF, Finance He joined UTI AMC in October 1989. He has overall 32 years of experience in Primary Market Investment / Dealing and Fund Management.

V Srivatsa

Mr. 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.

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.

UTI Mutual Fund details

No. of schemes	63 view all schemes
Total AUM	3,61,295 Cr as on Jun 30, 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 Aggressive Hybrid Fund	N.A.	6,302 Cr	-3.29%	19.76%
UTI Multi Asset Allocation Fund	N.A.	5,941 Cr	0.39%	15.78%
UTI Retirement Fund	N.A.	4,632 Cr	0.7%	13.55%
UTI Conservative Hybrid Fund	N.A.	1,686 Cr	2.84%	10.65%
UTI Arbitrage Fund	N.A.	9,149 Cr	6.73%	5.69%

See all Hybrid funds from this AMC

Frequently asked questions

What is the current NAV of UTI Equity Savings Fund?

The current Net Asset Value (NAV) of the UTI Equity Savings Fund plan is approximately ₹18.2639 as of Sep 29, 2025.

What are the returns of this mutual fund scheme?

The UTI Equity Savings Fund is a 7 yrs 1 m old fund and has delivered average annual returns of 8.86% since inception.

UTI Equity Savings Fund Returns

1-Year	3-Year	5-Year	Since Inception
2.7%	10.82%	11.91%	8.86%

How much does this mutual fund charge as expense ratio?

The UTI Equity Savings Fund has an expense ratio of 1.64%, 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 Equity Savings Fund currently has assets under management (AUM) or fund size valued at approximately 714 Cr as on Aug 31, 2025.

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

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

Company	Percentage of Portfolio
HDFC Bank Ltd.	5.05%
Mahindra & Mahindra Ltd.	4.28%
Axis Bank Ltd.	3.97%
Grasim Industries Ltd.	3.89%
Infosys Ltd.	3.79%
Kotak Mahindra Bank Ltd.	3.46%
Reliance Industries Ltd.	3.04%
Maruti Suzuki India Ltd.	2.62%
State Bank of India	2.55%
ICICI Bank Ltd.	2.48%

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

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

Sector	Percentage of Portfolio
Financial	20.39%
Automobile	8.57%
Technology	7.94%
Energy	6.73%
Metals & Mining	4.709999999999999%
Materials	4.17%
Insurance	3.02%
Communication	2.98%
Healthcare	2.68%
Construction	1.96%

To whom does UTI Equity Savings Fund lend to?

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

Holding Name	Percentage of Portfolio
GOI	28.7%
Axis Bank Ltd.	0.7%
Others	0.02%

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

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

Credit Quality	Percentage of Portfolio
Cash	36.15727172%
SOV	28.70454079%
Cash & Call Money	1.71753176%

What is risk level of UTI Equity Savings Fund?

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

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

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

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

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.

ET Money rank

App exclusive

in Equity Savings

#NA

Chance: This fund has generated a 10.47% annual return in 70% of times for investors holding for at least 5 years.
Return/Risk: The fund is performing poorly than its category.
Exit Load: Exit load of 1%, if redeemed within 30 days.