Should I invest in UTI - Master Equity Plan Unit Scheme?

We don't give personal investment advice. UTI - Master Equity Plan Unit Scheme 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: 18.1%. 5-year CAGR: 8.36%.

UTI

UTI - Master Equity Plan Unit Scheme

Latest NAV

₹211.6251

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	+0.52%	-1.86%	+2.38	41 / 90	Q2
1W	-1.11%	-3.45%	+2.33	78 / 87	Q4
2W	-2.63%	-4.75%	+2.13	67 / 87	Q4
1M	-2.19%	-5.79%	+3.60	53 / 87	Q3
3M	-2.79%	-4.65%	+1.86	58 / 87	Q3
6M	-9.74%	-3.61%	-6.13	75 / 89	Q4
YTD	-10.61%	-5.38%	-5.23	75 / 89	Q4
1Y	-7.68%	+0.15%	-7.83	59 / 87	Q3
2Y	-0.68%	-0.30%	-0.38	57 / 86	Q3
3Y	+8.43%	+5.90%	+2.53	52 / 81	Q3
4Y	+9.94%	+8.17%	+1.77	49 / 78	Q3
5Y	+8.36%	+6.75%	+1.62	51 / 77	Q3
7Y	+9.61%	+8.81%	+0.80	43 / 75	Q3
10Y	+10.22%	+8.08%	+2.14	35 / 69	Q3
Inception	+8.94%	+5.84%	+3.10	40 / 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	-10.61%	-7.47%	-3.15	40 / 47
2025	+8.00%	+1.54%	+6.46	4 / 47
2024	+11.38%	+18.17%	-6.79	39 / 47
2023	+20.39%	+23.46%	-3.06	36 / 49
2022	+1.24%	+0.75%	+0.49	22 / 52
2021	+28.69%	+28.91%	-0.22	30 / 54
2020	+10.66%	+11.40%	-0.74	32 / 56
2019	+7.99%	+2.03%	+5.96	18 / 59
2018	-4.01%	-9.68%	+5.67	16 / 61
2017	+30.21%	+29.95%	+0.26	37 / 65
2016	+3.83%	-0.31%	+4.15	15 / 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

+11.82%

234 windows

min -48.4% · max 70.4%

78% positive

3-Year rolling

+10.59%

210 windows

min -8.3% · max 25.8%

94% positive

5-Year rolling

+10.67%

186 windows

min -0.6% · max 22.2%

99% positive

7-Year rolling

+10.56%

161 windows

min 4.4% · max 16.2%

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

11.59%

3-year · annualised

Sharpe ratio

0.20

vs risk-free 6.5%

Sortino ratio

0.32

Downside-only deviation

Max drawdown

-17.11%

Sep 2024 → Mar 2026

% positive months

61.1%

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	₹211.6251
9 Jun 2026	₹212.1363
8 Jun 2026	₹211.0459
5 Jun 2026	₹213.2851
4 Jun 2026	₹213.6538
3 Jun 2026	₹213.4764
2 Jun 2026	₹214.5200
1 Jun 2026	₹213.4890
29 May 2026	₹214.8820
27 May 2026	₹217.7688

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 - Master Equity Plan Unit Scheme is ₹211.6251. 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 - Master Equity Plan Unit Scheme 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 - Master Equity Plan Unit Scheme 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 - Master Equity Plan Unit Scheme has delivered a absolute return of -7.68% — -7.83 pp behind the ELSS category average of 0.15%. The fund ranks #59 of 87 in its category — the third (Q3) quartile.

Over the trailing 3-year window, UTI - Master Equity Plan Unit Scheme has delivered a CAGR of 8.43% — +2.53 pp ahead of the ELSS category average of 5.90%. The fund ranks #52 of 81 in its category — the third (Q3) quartile.

Over the trailing 5-year window, UTI - Master Equity Plan Unit Scheme has delivered a CAGR of 8.36% — +1.62 pp ahead of the ELSS category average of 6.75%. The fund ranks #51 of 77 in its category — the third (Q3) quartile.

₹1 lakh invested in UTI - Master Equity Plan Unit Scheme exactly 10 years ago would be worth approximately ₹264,549 today — a multiplier of 2.65×, based on the 10-year CAGR of 10.22%. The category average over the same window would have grown ₹1 lakh to ₹217,539.

A ₹10,000 monthly SIP in UTI - Master Equity Plan Unit Scheme over the last 5 years — total invested ₹600,000 — would be worth ₹690,369 today. That's an XIRR (money-weighted annualised return) of 5.55%.

A ₹10,000 monthly SIP for 10 years in UTI - Master Equity Plan Unit Scheme = ₹1,200,000 invested. It would currently be worth ₹1,942,074 (multiplier 1.62×). XIRR: 9.30%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, UTI - Master Equity Plan Unit Scheme ranks #51 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 8.36%.

The worst peak-to-trough decline UTI - Master Equity Plan Unit Scheme has experienced over the last 5-year window is 18.14% — 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 - Master Equity Plan Unit Scheme averaged 10.67% (best 22.24%, worst -0.55%). 99% of rolling windows ended positive. The 5-year Sharpe ratio is 0.21 — weak risk-adjusted performance.

In calendar year 2025, UTI - Master Equity Plan Unit Scheme returned 8.00% — beating the ELSS category average of 1.54% by 6.46 pp. It ranked #4 of 47 in its category that year.

UTI - Master Equity Plan Unit Scheme 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 - Master Equity Plan Unit Scheme 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: 18.1%. 5-year CAGR: 8.36%.

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