ReviewDirect · Growth
UTI ELSS Tax Saver Fund
UTI Mutual FundEquity Scheme - ELSS13.7 years
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.
- NAV
- 219.6573
- 15 Sept 2026
- 1Y
- -5.3%
- Trailing CAGR
- Upside capture
- +93%
- Vs NIFTY 500 TRI
- Downside capture
- +95%
- Lower is better
NAV
Path not in current snapshots
n/a
Returns
Trailing CAGR and simulated monthly SIP XIRR from daily NAV. Category comparison uses the median of comparable share classes in the peer set.
Trailing CAGR
Point-to-point, calendar-day annualized
- 1Y-5.3%
- 3Y+7.0%
- 5Y+7.0%
- 10Y+11.7%
- SI+12.7%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y-6.9%
- 3Y+1.2%
- 5Y+6.5%
- 10Y+11.4%
- Since inception
- +12.7%
- Calendar-day CAGR
- Excess 1Y
- -5.5%
- Category median, same plan and option
- 3Y win rate
- +24%
- Windows beating the median
- 3Y percentile
- 18
- Vs comparable share classes
- Worst rolling 3Y
- -5.1%
- 2637 daily-ending windows
- Median rolling 3Y
- +14.2%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 2144 daily-ending windows
- SIP 3Y XIRR
- +1.2%
- Simulated monthly SIP
Official benchmark
Date-aligned against NIFTY 500 TRI. Capture ratios use common month-end observations through 15 Sept 2026.
- 1Y excess
- -3.0%
- Fund minus TRI
- 3Y excess
- -2.4%
- Fund minus TRI
- Upside capture
- +93%
- Benchmark-up months
- Downside capture
- +95%
- Lower is better
Drawdown
Peak to trough from a running NAV high. Move across the path to read a date.
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 14 days
- 148 recovered episodes
- Longest recovery
- 395 days
- Trough to prior peak
- Current spell
- 719 days
- Days below latest peak
- Time below peak
- +88%
- NAV observations
12 Feb 2020 – 5 Nov 2020
Trough 23 Mar 2020 · recovered in 227 days
-35.1%
17 Jan 2022 – 30 Jun 2023
Trough 17 Jun 2022 · recovered in 378 days
-21.3%
3 Mar 2015 – 14 Jul 2016
Trough 29 Feb 2016 · recovered in 136 days
-19.0%
26 Sept 2024 – open
Trough 28 Feb 2025 · not recovered
-18.6%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
18
Vs category
16
Consistency
25
Risk-adjusted
52
Drawdown
12
Mean
25
Portfolio
31 Aug 2026 · 61 holdings · top 10 are 40.3%.
- Top 5
- 26.9%
- Top 10
- 40.3%
- Largest holding
- 7.6%
- Effective holdings
- 36.3
HDFC Bank Ltd
Financial
7.6%
ICICI Bank Ltd
Financial
7.3%
Kotak Mahindra Bank Ltd
Financial
4.2%
Bharti Airtel Ltd
Technology
4.2%
Axis Bank Ltd
Financial
3.7%
What changed
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
11 Sept 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
10 Sept 2026
Decision
Quantitative read of the live evidence. An explanation can only restate what is already here.
As of 15 Sept 2026
Review
Engine status
Review
Closer look
Why this status
- Long-term category-relative performance remains stronger than the most recent rolling 1-year windows, which have deteriorated across multiple periods.
- Recent return trails the category median by 3 percentage points or more, with a weak rolling win rate.
- Three-year return sits below the 25th percentile of comparable share classes.
- Maximum drawdown exceeded 35%.
Supporting reads
- Risk-adjusted return sits above the documented risk-free proxy.
Worth investigating
Same-category peers with enough history to inspect beside this fund.
Baroda BNP Paribas ELSS Tax Saver Fund
Baroda BNP Paribas Mutual Fund
- 1Y
- +2.9%
- 3Y
- +14.1%
- Vol
- 13.9%
- Max DD
- -17.3%
- Sharpe
- 0.66
- 3Y win
- +99%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Parag Parikh ELSS Tax Saver Fund
PPFAS Mutual Fund
- 1Y
- -10.8%
- 3Y
- +7.9%
- Vol
- 13.6%
- Max DD
- -29.5%
- Sharpe
- 0.87
- 3Y win
- +84%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Aditya Birla Sun Life ELSS Tax Saver Fund
Aditya Birla Sun Life Mutual Fund
- 1Y
- +0.2%
- 3Y
- +10.6%
- Vol
- 14.6%
- Max DD
- -35.1%
- Sharpe
- 0.60
- 3Y win
- +49%
- Lower volatility
- Higher win rate vs category
- Higher trailing returns
Caveat: Deeper drawdown
PGIM India ELSS Tax Saver Fund
PGIM India Mutual Fund
- 1Y
- -2.4%
- 3Y
- +8.0%
- Vol
- 15.1%
- Max DD
- -36.7%
- Sharpe
- 0.59
- 3Y win
- +56%
- Lower volatility
- Higher win rate vs category
- Higher trailing returns
Caveat: Deeper drawdown
Taurus ELSS Tax Saver Fund
Taurus Mutual Fund
- 1Y
- -4.1%
- 3Y
- +9.3%
- Vol
- 15.7%
- Max DD
- -35.0%
- Sharpe
- 0.52
- 3Y win
- +40%
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility