UTI ELSS Tax Saver Fund - Regular Plan - Growth Option
💡 Why Pick This Fund? Quantitative Strengths & Watch-outs
- Delivered positive returns in 95% of 3-year investment horizons.
- Cost-efficient: expense ratio of 1.94% is lower than category median (2.34%).
- Over 27 years of operational history across different market cycles.
- Experienced a maximum drawdown of -59.9% during severe market crashes.
Key Statistics vs Category Median
Trailing Returns Comparison
| Period | Fund Return | Category Median | Difference |
|---|---|---|---|
| 1 Month | +8.26% | +7.77% | +0.49% |
| 3 Months | -0.62% | +0.19% | -0.81% |
| 6 Months | +3.78% | +5.12% | -1.34% |
| 1 Year | -2.13% | +1.89% | -4.02% |
| 3 Years CAGR | +8.67% | +11.88% | -3.21% |
| 5 Years CAGR | +6.16% | +9.96% | -3.80% |
| 7 Years CAGR | +12.57% | +13.84% | -1.27% |
| 10 Years CAGR | +11.62% | +13.83% | -2.21% |
| Since Inception | +9.63% | - | - |
📈 Monthly SIP vs Bank Fixed Deposit (FD) Replay
See how a regular monthly SIP in UTI ELSS Tax Saver Fund compares against a standard 7.0% p.a. Bank Fixed Deposit.
Calendar Year Returns
| Year | Fund | Category Median | Gap |
|---|---|---|---|
| 2026 | -2.88% | +1.20% | -4.08% |
| 2025 | +4.55% | +3.57% | +0.98% |
| 2024 | +13.92% | +19.98% | -6.06% |
| 2023 | +24.26% | +27.84% | -3.58% |
| 2022 | -3.49% | +2.11% | -5.60% |
| 2021 | +33.10% | +32.16% | +0.94% |
| 2020 | +20.18% | +17.88% | +2.30% |
| 2019 | +10.35% | +9.89% | +0.46% |
| 2018 | -6.47% | -6.42% | -0.05% |
| 2017 | +33.10% | +37.59% | -4.49% |
| 2016 | +3.31% | +3.19% | +0.12% |
| 2015 | +2.62% | +3.80% | -1.18% |
| 2014 | +40.73% | +49.05% | -8.32% |
| 2013 | +7.15% | +7.15% | 0.00% |
| 2012 | +26.87% | +29.97% | -3.10% |
| 2011 | -23.37% | -23.37% | 0.00% |
| 2010 | +17.57% | +17.81% | -0.24% |
| 2009 | +72.88% | +73.74% | -0.86% |
| 2008 | -54.67% | -54.86% | +0.19% |
| 2007 | +50.92% | +60.55% | -9.63% |
Daily Rolling Returns Summary
| Rolling Window | Minimum | Average | Median | Maximum | % Positive | % Beating Proxy |
|---|---|---|---|---|---|---|
| 1-Year Rolling | -56.22% | +12.90% | +9.43% | +91.04% | 74.1% | 23.5% |
| 3-Year Rolling | -10.15% | +11.48% | +11.63% | +29.23% | 95.1% | 3.8% |
| 5-Year Rolling | -2.46% | +11.51% | +12.23% | +25.11% | 98.3% | 0.0% |
Risk Profile & Deepest Drawdowns
Deepest Market Corrections (Depth >= 10%)
| Peak Date | Trough Date | Fall Depth | Months to Bottom | Recovery Period |
|---|---|---|---|---|
| 2008-01-04 | 2009-03-09 | -59.9% | 14 months | 61 months |
| 2020-02-12 | 2020-03-23 | -35.1% | 1 months | 7 months |
| 2006-05-10 | 2006-06-14 | -33.9% | 1 months | 8 months |
Portfolio & Asset Allocation
Statutory Asset Allocation Mandate (SEBI / SID)
| Instrument Category | Permitted Allocation Range |
|---|---|
| Equity and Equity Related Instruments: 80-100% Money Market instruments and other liquid instruments: 0-20% | Per Scheme Mandate |
Investment Objective & Strategy
The primary objective of the scheme is to invest predominantly in equity and equity related securities of companies across the market capitalization spectrum. Securities shall also include fully/ partly convertible debentures/ bonds.
ℹ️ Detailed monthly stock-level holdings for this scheme are updated periodically from asset management company statutory disclosures.
Fund Size Position
Currently managing Rs 3,472 cr (AMFI Daily Fund AUM as of 2026-11-11). Positioned as comfortable relative to ELSS 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 ELSS Peers by Rank
| Scheme | Score | 3Y Return | Expense | Downside | Fund Size | Compare |
|---|---|---|---|---|---|---|
| Mahindra Manulife ELSS Tax Saver Fund | 2.6 | +8.78% | 2.49% | 99.1% | Rs 892 cr | Compare → |
| NJ ELSS Tax Saver Fund | 3.1 | +6.51% | 2.54% | 105.0% | Rs 338 cr | Compare → |
| Groww ELSS Tax Saver Fund formerly known as Indiabulls Tax Savings Fund | 2.7 | +9.08% | 2.87% | 105.4% | Rs 52.5 cr | Compare → |
| Shriram ELSS Tax Saver Fund | 2.4 | +6.46% | 2.57% | 114.2% | Rs 47.8 cr | Compare → |
| Parag Parikh ELSS Tax Saver Fund | 6.0 | +8.96% | 1.83% | 69.4% | Rs 5,773 cr | Compare → |
Frequently Asked Questions about UTI ELSS Tax Saver Fund
What is the expense ratio of UTI ELSS Tax Saver Fund?
UTI ELSS Tax Saver Fund has a total expense ratio (TER) of 1.94% with a base expense ratio of 1.65%, compared to the ELSS category median of 2.34%.
Who manages UTI ELSS Tax Saver Fund?
UTI ELSS Tax Saver Fund is managed by Amit Premchandani (tenure: 1.4 years since 2025-06-16).
What are the historical returns of UTI ELSS Tax Saver Fund?
UTI ELSS Tax Saver Fund delivered a 3-year CAGR of 8.67% and a 5-year CAGR of 6.16%. Its 1-year return stands at -2.13%.
How large is UTI ELSS Tax Saver Fund?
UTI ELSS Tax Saver Fund manages assets of Rs 3,472 cr, placing it in the 'comfortable' size band relative to ELSS peers.
How is UTI ELSS Tax Saver Fund scored on MFIQ?
UTI ELSS Tax Saver Fund holds an MFIQ Score of 2.9/10 (Weak), based on a category percentile composite across returns, risk, consistency, and cost.
How risky is UTI ELSS Tax Saver Fund?
UTI ELSS Tax Saver Fund has an official SEBI riskometer rating of Very High. Over the analyzed period, its annualized standard deviation is 13.18% with a maximum historical drawdown of -59.93%.