Should I invest in UTI - ETSP?

We don't give personal investment advice. UTI - ETSP-Growth Option is suitable for an investor whose:time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a lossrisk tolerance accepts seeing the portfolio fall sharply without panic-sellinggoal isn't capital preservation in the short termCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 21.6%. 5-year CAGR: 8.63%.

UTI

UTI - ETSP-Growth Option

Latest NAV

₹192.7889

As of

10 Jun 2026

4,963 NAV records on file

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	+0.90%	-1.86%	+2.76	23 / 90	Q2
1W	-0.35%	-3.45%	+3.10	55 / 87	Q3
2W	-1.86%	-4.75%	+2.89	43 / 87	Q2
1M	-1.96%	-5.79%	+3.83	49 / 87	Q3
3M	-1.39%	-4.65%	+3.26	46 / 87	Q3
6M	-7.36%	-3.61%	-3.75	65 / 89	Q3
YTD	-8.52%	-5.38%	-3.14	64 / 89	Q3
1Y	-6.76%	+0.15%	-6.91	55 / 87	Q3
2Y	-0.56%	-0.30%	-0.26	55 / 86	Q3
3Y	+9.54%	+5.90%	+3.64	48 / 81	Q3
4Y	+10.94%	+8.17%	+2.76	45 / 78	Q3
5Y	+8.63%	+6.75%	+1.89	48 / 77	Q3
7Y	+11.84%	+8.81%	+3.04	28 / 75	Q2
10Y	+11.44%	+8.08%	+3.36	28 / 69	Q2
Inception	+9.53%	+5.84%	+3.69	37 / 91	Q2

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2026 YTD	-8.52%	-7.47%	-1.06	29 / 47
2025	+4.18%	+1.54%	+2.64	17 / 47
2024	+13.86%	+18.17%	-4.31	32 / 47
2023	+23.77%	+23.46%	+0.32	28 / 49
2022	-3.49%	+0.75%	-4.23	40 / 52
2021	+32.64%	+28.91%	+3.73	16 / 54
2020	+19.95%	+11.40%	+8.55	7 / 56
2019	+9.93%	+2.03%	+7.90	11 / 59
2018	-5.87%	-9.68%	+3.81	24 / 61
2017	+31.81%	+29.95%	+1.86	34 / 65
2016	+2.90%	-0.31%	+3.21	26 / 70

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+13.08%

234 windows

min -54.7% · max 88.1%

75% positive

3-Year rolling

+11.45%

210 windows

min -9.7% · max 26.0%

94% positive

5-Year rolling

+11.59%

186 windows

min -1.8% · max 22.9%

99% positive

7-Year rolling

+11.50%

161 windows

min 4.0% · max 17.8%

100% positive

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

12.69%

3-year · annualised

Sharpe ratio

0.27

vs risk-free 6.5%

Sortino ratio

0.45

Downside-only deviation

Max drawdown

-18.93%

Sep 2024 → Feb 2025

% positive months

63.9%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Peers in ELSS

Scheme	Fund house	NAV	As of
HDFC TaxSaver-Dividend Plan	HDFC	₹63.4950	10 Jun 2026
NIPPON INDIA ELSS TAX SAVER FUND - ANNUAL IDCW Option	Nippon India	₹19.8315	10 Jun 2026
SBI MAGNUM TAXGAIN SCHEME 1993 - DIVIDEND	SBI	₹84.7997	10 Jun 2026
ICICI Prudential Long Term Wealth Enhancement Fund - IDCW Option	ICICI Prudential	₹27.2000	10 Jun 2026
Quantum Tax Saving Fund - Dividend	Quantum	₹120.2000	10 Jun 2026
Motilal Oswal ELSS Tax Saver Fund - IDCW Payout	Motilal Oswal	₹29.4537	10 Jun 2026
Franklin India Taxshield-Dividend	Franklin Templeton	₹57.5323	10 Jun 2026
Kotak Tax Saver-Scheme-Dividend	Kotak Mahindra	₹41.0930	10 Jun 2026
EDELWEISS ELSS FUND - Dividend Option	Edelweiss	₹29.0400	10 Jun 2026
DSP BlackRock Tax Saver Fund - Dividend	DSP BlackRock	₹21.2240	10 Jun 2026

Recent NAVs

Date	NAV
10 Jun 2026	₹192.7889
9 Jun 2026	₹193.2070
8 Jun 2026	₹191.4786
5 Jun 2026	₹193.2816
4 Jun 2026	₹193.3915
3 Jun 2026	₹193.2017
2 Jun 2026	₹193.8761
1 Jun 2026	₹193.0737
29 May 2026	₹194.3361
27 May 2026	₹197.0877

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

As of 10 Jun 2026, the NAV of UTI - ETSP-Growth Option is ₹192.7889. It's a ELSS from UTI, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

UTI - ETSP-Growth Option has NAV history starting from 03 Apr 2006, a track record of about 20 years 2 months. Long-tenured funds like this have weathered multiple market cycles — the 2008 crash, 2013 taper tantrum, 2020 COVID drawdown — which makes their returns more credible than a 3-year track record alone.

UTI - ETSP-Growth Option is managed by UTI. It's classified by AMFI under the 'ELSS' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, UTI - ETSP-Growth Option has delivered a absolute return of -6.76% — -6.91 pp behind the ELSS category average of 0.15%. The fund ranks #55 of 87 in its category — the third (Q3) quartile.

Over the trailing 3-year window, UTI - ETSP-Growth Option has delivered a CAGR of 9.54% — +3.64 pp ahead of the ELSS category average of 5.90%. The fund ranks #48 of 81 in its category — the third (Q3) quartile.

Over the trailing 5-year window, UTI - ETSP-Growth Option has delivered a CAGR of 8.63% — +1.89 pp ahead of the ELSS category average of 6.75%. The fund ranks #48 of 77 in its category — the third (Q3) quartile.

₹1 lakh invested in UTI - ETSP-Growth Option exactly 10 years ago would be worth approximately ₹295,400 today — a multiplier of 2.95×, based on the 10-year CAGR of 11.44%. The category average over the same window would have grown ₹1 lakh to ₹217,539.

A ₹10,000 monthly SIP in UTI - ETSP-Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹700,828 today. That's an XIRR (money-weighted annualised return) of 6.15%.

A ₹10,000 monthly SIP for 10 years in UTI - ETSP-Growth Option = ₹1,200,000 invested. It would currently be worth ₹2,088,359 (multiplier 1.74×). XIRR: 10.67%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, UTI - ETSP-Growth Option ranks #48 out of 77 funds in the ELSS category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 6.75%; this fund delivered 8.63%.

The worst peak-to-trough decline UTI - ETSP-Growth Option has experienced over the last 5-year window is 21.59% — its NAV fell from a high on 17 Jan 2022 to a low on 17 Jun 2022. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, UTI - ETSP-Growth Option averaged 11.59% (best 22.93%, worst -1.81%). 99% of rolling windows ended positive. The 5-year Sharpe ratio is 0.22 — weak risk-adjusted performance.

In calendar year 2025, UTI - ETSP-Growth Option returned 4.18% — beating the ELSS category average of 1.54% by 2.64 pp. It ranked #17 of 47 in its category that year.

UTI - ETSP-Growth Option is classified as an Equity fund (at least 65% equity exposure). Tax rules (post Budget 2024): if you hold 12 months or more, gains are Long-Term and taxed at 12.5% on the amount exceeding ₹1.25 lakh per financial year. Held for under 12 months, gains are Short-Term and taxed at 20%. The ₹1.25 L exemption is per PAN per FY across all equity LTCG.

We don't give personal investment advice. UTI - ETSP-Growth Option is suitable for an investor whose:

time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a loss
risk tolerance accepts seeing the portfolio fall sharply without panic-selling
goal isn't capital preservation in the short term

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 21.6%. 5-year CAGR: 8.63%.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.