UTI ELSS Tax Saver Fund Direct-Growth

Q: What are the returns of UTI ELSS Tax Saver Fund?

The UTI ELSS Tax Saver Fund is a 12 yrs 3 m old fund and has delivered average annual returns of 14.35% since inception. UTI ELSS Tax Saver Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 10.01% 14.13% 23.61% 13.12% 14.35%

Previously called: UTI Long Term Equity Direct-G

NAV as of Apr 23, 2025	Returns since inception	ET Money Rank	VRO Ratings
₹221.4902+0.56% 1 day change	14.35% p.a.	#NA View Ranked Funds	2

Historical NAV & returns

NAV: ₹221.4902 as on Apr 23, 2025

This fund Category average

UTI ELSS Tax Saver Fund overview

VRO rating	2
Expense ratio	0.92% as on Mar 31, 2025
Exit load	0%
AUM (Fund size)	₹3,592 Crs
Lock-in	3 Years
Age	12 yrs 3 m since Jan 01, 2013
Benchmark	NIFTY 500 TRI
Min. investment	SIP ₹500 & Lump. ₹1000
Risk	Very High
Short term capital gains (STCG)	Returns taxed at 20% if you redeem before 1 year
Long term capital gains (LTCG)	After 1 year, pay tax of 12.5% on returns of ₹1.25 lakh+ in a financial year

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 Apr 24, 2025

Period	This fund	Category average
1 month	3.48%	2.97%
3 months	3.77%	3.89%
6 months	-4.05%	-2.55%
1 year	10.01%	9.93%
3 years	14.13%	18.08%
5 years	23.61%	26.52%
7 years	13.58%	15.05%
10 years	13.12%	14.56%

Asset allocationas on Mar 31, 2025

Large Cap 69.144696%

Mid Cap 20.880808%

Small Cap 6.734496%

Other Cap 1.3750423022429459E-14%

Top holdings

HDFC Bank Ltd.8.97%

ICICI Bank Ltd.8.8%

Bharti Airtel Ltd.5.44%

Infosys Ltd.5.12%

Top sectors

Financial 28.050000000000008%

Technology 9.52%

Services 8.26%

Automobile 7.169999999999999%

Credit quality

Bifurcation by Credit Quality is not available for this fund

Top Debt Holdings

Bifurcation by Holding is not available for this fund

Allocation by Instruments

Net Current Assets 3.22%

Other Holdings

Others 3.22%

Peer comparison

Fund name	ETM Rank	AUM (in Crs.)	Fund age	Expense ratio
UTI ELSS Tax Saver Fund	N.A.	₹3,592 Crs	12 yrs 3 m	0.92%
Parag Parikh ELSS Tax Saver Fund	N.A.	₹4,906 Crs	5 yrs 9 m	0.63%
SBI Long Term Equity Fund	N.A.	₹27,730 Crs	12 yrs 3 m	0.95%
HDFC ELSS Tax Saver Fund	N.A.	₹15,556 Crs	12 yrs 3 m	1.11%
DSP ELSS Tax Saver Fund	N.A.	₹16,218 Crs	12 yrs 3 m	0.75%
Bank of India ELSS Tax Saver Fund	N.A.	₹1,320 Crs	12 yrs 3 m	0.95%

Fund name	1M	6M	1Y	3Y	5Y	10Y
UTI ELSS Tax Saver Fund	3.48%	-4.05%	10.01%	14.13%	23.61%	13.12%
Parag Parikh ELSS Tax Saver Fund	2.28%	1.38%	15.78%	20.01%	30.13%	12.68%
SBI Long Term Equity Fund	1.46%	-2.96%	9.87%	25.57%	30.71%	15.14%
HDFC ELSS Tax Saver Fund	3.82%	1.7%	15.83%	23.93%	29.71%	14.07%
DSP ELSS Tax Saver Fund	3.44%	0.03%	18.23%	21.16%	29.07%	17.03%
Bank of India ELSS Tax Saver Fund	1.01%	-6.78%	-0.46%	18.46%	27.15%	16.65%

Fund name	Std. deviation	Beta	Sharpe	Sortino
UTI ELSS Tax Saver Fund	14.47	0.94	0.42	0.74
Parag Parikh ELSS Tax Saver Fund	10.52	0.65	1.12	1.78
SBI Long Term Equity Fund	14.49	0.95	1.15	2.05
HDFC ELSS Tax Saver Fund	12.47	0.83	1.16	2.25
DSP ELSS Tax Saver Fund	14.54	0.95	0.85	1.82
Bank of India ELSS Tax Saver Fund	17.57	1.11	0.62	0.96

View all Elss funds

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

Alpha	-1.29 vs. 4.79 Underperformed at beating benchmark
Sharpe	0.42 vs. 5.25 Poor risk-adjusted returns
Beta	0.94 vs. 0.85 More sensitive to market's ups & downs
Standard deviation	14.47 vs. 13.05 More volatile performance

Compare UTI ELSS Tax Saver Fund in detail with

About this fund

About UTI ELSS Tax Saver Fund

UTI ELSS Tax Saver Fund Direct-Growth is a ELSS mutual fund scheme from Uti Mutual Fund. This fund has been in existence for 12 yrs 3 m, having been launched on 01/01/2013. UTI ELSS Tax Saver Fund Direct-Growth has ₹3,592 Crores worth of assets under management (AUM) as on 31/03/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of UTI ELSS Tax Saver Fund Direct-Growth as of 23/04/2025 is ₹221.49. The fund has an expense ratio of 0.92%, which is close to what most other Elss funds charge.

UTI ELSS Tax Saver Fund Direct-Growth returns of last 1-year are 10.63%. Since launch, it has delivered 14.35% average annual returns. The fund has doubled the money invested in it every 5 yrs.
UTI ELSS Tax Saver Fund Direct-Growth scheme's ability to deliver returns consistently is lower than 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, Services, Automobile, Energy 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., Axis Bank Ltd..

...

Fund AUM	₹3,592 Crs as on Mar 31, 2025
Scheme document	View Scheme Document

Fund managers

Vishal Chopda

Mr. Chopda is BE, PGDM & CFA He joined UTI AMC in January 2011 and worked for the past 7 years as Research Analyst. He has previously worked with Care Ratings.

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	62 view all schemes
Total AUM	₹3,39,983 Crs as on Mar 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 (in Crs.)	1Y	5Y
UTI Transportation and Logistics Fund	N.A.	₹3,163 Crs	2.91%	32.66%
UTI Large & Mid Cap Fund	N.A.	₹4,101 Crs	15.03%	30.99%
UTI Mid Cap Fund	N.A.	₹10,649 Crs	8.34%	29.21%
UTI Infrastructure Fund	N.A.	₹2,097 Crs	4.9%	28.6%
UTI Value Fund	N.A.	₹9,455 Crs	15.82%	26.98%
UTI Banking and Financial Services Fund	N.A.	₹1,211 Crs	19.97%	26.71%

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 - Direct Growth plan is approximately ₹221.4902 as of Apr 23, 2025.

What are the returns of this mutual fund scheme?

The UTI ELSS Tax Saver Fund is a 12 yrs 3 m old fund and has delivered average annual returns of 14.35% since inception.

UTI ELSS Tax Saver Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
10.01%	14.13%	23.61%	13.12%	14.35%

How much does this mutual fund charge as expense ratio?

The UTI ELSS Tax Saver Fund - Direct Growth has an expense ratio of 0.92%, which reflects the fund's management and operating costs. This percentage is subtracted from the fund's annual returns, impacting net returns for investors.

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 ₹3,592 Crs crore as of Mar 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.	8.97%
ICICI Bank Ltd.	8.8%
Bharti Airtel Ltd.	5.44%
Infosys Ltd.	5.12%
Axis Bank Ltd.	3.6%
Bajaj Finance Ltd.	3.37%
Avenue Supermarts Ltd.	2.71%
Reliance Industries Ltd.	2.46%
Cholamandalam Investment and Finance Company Ltd.	2.39%
Godrej Consumer Products Ltd.	2.34%

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	28.050000000000008%
Technology	9.52%
Services	8.26%
Automobile	7.169999999999999%
Energy	7.079999999999999%
Healthcare	6.0%
Communication	5.44%
Capital Goods	4.78%
Consumer Staples	4.66%
Consumer Discretionary	3.4000000000000004%

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 do I invest in UTI ELSS Tax Saver Fund?

It is very fast, easy, and completely paperless in this mutual fund scheme on ET Money. It is just a matter of a few minutes. Here's how:

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 ELSS Tax Saver Fund and choose the investment mode (Lump sum investment or a SIP). Then, enter your investment amount.
Fill in additional required details, including the bank account you'll use for payment, and confirm.

All set! Your investment in UTI ELSS Tax Saver Fund is complete.

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

Redeeming your investments in UTI ELSS Tax Saver Fund is super easy. If you have invested in this fund via ET Money, just login into the app, go to the investment section and put the redemption request.

If you have invested in UTI ELSS Tax Saver Fund from anywhere else, you can go to the fund house website and put a request through it.

ET Money rank

in ELSS

#NA

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 11.83% annual return in 70% of times for investors holding for at least 5 years.
Return/Risk: The fund is performing poorly than its category.