Should I invest in UTI ELSS Tax Saver Fund?

We don't give personal investment advice. UTI ELSS Tax Saver Fund - Direct Plan - 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: 21.3%. 5-year CAGR: 10.05%.

UTI

UTI ELSS Tax Saver Fund - Direct Plan - Growth Option

Latest NAV

₹230.0243

As of

17 Jul 2026

3,331 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	+0.58%	+0.16%	+0.41	13 / 59	Q1
1W	+0.11%	+0.01%	+0.11	24 / 59	Q2
2W	+0.90%	+0.41%	+0.48	9 / 59	Q1
1M	+1.52%	+1.60%	-0.08	30 / 59	Q3
3M	+2.49%	+3.41%	-0.92	35 / 59	Q3
6M	-1.68%	+3.24%	-4.91	43 / 59	Q3
YTD	-3.13%	+2.42%	-5.55	45 / 59	Q4
1Y	-1.09%	+6.87%	-7.95	44 / 59	Q3
2Y	-0.06%	+4.51%	-4.57	49 / 58	Q4
3Y	+10.69%	+14.16%	-3.47	50 / 58	Q4
4Y	+12.40%	+15.94%	-3.55	45 / 51	Q4
5Y	+10.05%	+14.21%	-4.17	44 / 47	Q4
7Y	+14.65%	+17.19%	-2.53	35 / 45	Q4
10Y	+12.56%	+14.50%	-1.94	24 / 27	Q4
Inception	+13.28%	+14.54%	-1.25	45 / 59	Q4

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	-3.13%	-0.01%	-3.12	39 / 53
2025	+5.20%	+3.70%	+1.50	23 / 53
2024	+15.02%	+20.13%	-5.12	38 / 53
2023	+25.05%	+30.82%	-5.78	37 / 51
2022	-2.51%	+3.78%	-6.28	43 / 47
2021	+33.90%	+39.32%	-5.42	32 / 50
2020	+21.08%	+18.42%	+2.66	13 / 50
2019	+10.93%	+6.48%	+4.44	16 / 47
2018	-5.07%	-7.38%	+2.31	19 / 37
2017	+33.03%	+38.27%	-5.24	23 / 31
2016	+3.95%	+5.54%	-1.60	17 / 27

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

+16.11%

153 windows

min -18.0% · max 64.9%

83% positive

3-Year rolling

+14.46%

129 windows

min -2.7% · max 29.0%

98% positive

5-Year rolling

+14.25%

105 windows

min 2.4% · max 25.1%

100% positive

7-Year rolling

+13.76%

80 windows

min 8.3% · max 17.1%

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

13.10%

3-year · annualised

Sharpe ratio

0.34

vs risk-free 6.5%

Sortino ratio

0.56

Downside-only deviation

Max drawdown

-18.60%

Sep 2024 → Feb 2025

% positive months

58.3%

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 ELSS Tax saver - Growth Option - Direct Plan	HDFC	₹1,497.0580	17 Jul 2026
Nippon India ELSS Tax Saver Fund - Direct Plan Growth Plan - Growth Option	Nippon India	₹144.8728	17 Jul 2026
SBI ELSS Tax Saver FUND - DIRECT PLAN -GROWTH	SBI	₹479.1199	17 Jul 2026
ICICI Prudential ELSS Tax Saver Fund - Direct Plan - Growth	ICICI Prudential	₹1,043.9300	17 Jul 2026
Invesco India ELSS Tax Saver Fund - Direct Plan - Growth	Invesco	₹148.3100	17 Jul 2026
BANDHAN ELSS Tax Saver Fund - Direct Plan - Growth	Bandhan	₹179.3500	17 Jul 2026
quant ELSS Tax Saver Fund - Growth Option - Direct Plan	Quant	₹460.9956	17 Jul 2026
Aditya Birla Sun Life ELSS Tax Saver Fund - Growth - Direct Plan	Aditya Birla Sun Life	₹69.9900	17 Jul 2026
Motilal Oswal ELSS Tax Saver Fund - Direct Plan - Growth Option	Motilal Oswal	₹63.7427	17 Jul 2026
Franklin India ELSS Tax Saver Fund - Direct - Growth	Franklin India	₹1,617.9351	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹230.0243
16 Jul 2026	₹228.7002
15 Jul 2026	₹229.1627
14 Jul 2026	₹228.4365
13 Jul 2026	₹229.8090
10 Jul 2026	₹229.7605
9 Jul 2026	₹227.2204
8 Jul 2026	₹225.5042
7 Jul 2026	₹230.2028
6 Jul 2026	₹229.5975

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 17 Jul 2026, the NAV of UTI ELSS Tax Saver Fund - Direct Plan - Growth Option is ₹230.0243. It's a ELSS from UTI, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

UTI ELSS Tax Saver Fund - Direct Plan - Growth Option has NAV history starting from 02 Jan 2013, a track record of about 13 years 6 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

UTI ELSS Tax Saver Fund - Direct Plan - 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 ELSS Tax Saver Fund - Direct Plan - Growth Option has delivered a absolute return of -1.09% — -7.95 pp behind the ELSS category average of 6.87%. The fund ranks #44 of 59 in its category — the third (Q3) quartile.

Over the trailing 3-year window, UTI ELSS Tax Saver Fund - Direct Plan - Growth Option has delivered a CAGR of 10.69% — -3.47 pp behind the ELSS category average of 14.16%. The fund ranks #50 of 58 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, UTI ELSS Tax Saver Fund - Direct Plan - Growth Option has delivered a CAGR of 10.05% — -4.17 pp behind the ELSS category average of 14.21%. The fund ranks #44 of 47 in its category — the bottom (Q4) quartile.

₹1 lakh invested in UTI ELSS Tax Saver Fund - Direct Plan - Growth Option exactly 10 years ago would be worth approximately ₹326,602 today — a multiplier of 3.27×, based on the 10-year CAGR of 12.56%. The category average over the same window would have grown ₹1 lakh to ₹387,351.

A ₹10,000 monthly SIP in UTI ELSS Tax Saver Fund - Direct Plan - Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹751,944 today. That's an XIRR (money-weighted annualised return) of 8.96%.

A ₹10,000 monthly SIP for 10 years in UTI ELSS Tax Saver Fund - Direct Plan - Growth Option = ₹1,200,000 invested. It would currently be worth ₹2,310,798 (multiplier 1.93×). XIRR: 12.58%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, UTI ELSS Tax Saver Fund - Direct Plan - Growth Option ranks #44 out of 47 funds in the ELSS category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 14.21%; this fund delivered 10.05%.

The worst peak-to-trough decline UTI ELSS Tax Saver Fund - Direct Plan - Growth Option has experienced over the last 5-year window is 21.28% — 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 ELSS Tax Saver Fund - Direct Plan - Growth Option averaged 14.25% (best 25.12%, worst 2.42%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.27 — weak risk-adjusted performance.

In calendar year 2025, UTI ELSS Tax Saver Fund - Direct Plan - Growth Option returned 5.20% — beating the ELSS category average of 3.70% by 1.50 pp. It ranked #23 of 53 in its category that year.

UTI ELSS Tax Saver Fund - Direct Plan - 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 ELSS Tax Saver Fund - Direct Plan - 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: 21.3%. 5-year CAGR: 10.05%.

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