Should I invest in UTI ELSS Tax Saver Fund?

We don't give personal investment advice. UTI ELSS Tax Saver Fund - Direct Plan - IDCW 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: 26.4%. 5-year CAGR: 8.63%.

UTI

UTI ELSS Tax Saver Fund - Direct Plan - IDCW

Latest NAV

₹51.3887

As of

3 Jun 2026

3,300 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	+0.42%	+0.12%	+0.30	17 / 76	Q1
1W	-1.51%	-1.31%	-0.19	40 / 76	Q3
2W	-0.29%	+0.08%	-0.37	39 / 76	Q3
1M	-1.32%	-0.99%	-0.33	47 / 76	Q3
3M	-3.41%	-0.23%	-3.17	59 / 76	Q4
6M	-7.26%	-4.25%	-3.01	54 / 76	Q3
YTD	-7.85%	-3.63%	-4.22	55 / 76	Q3
1Y	-3.58%	+1.70%	-5.28	34 / 76	Q2
2Y	+1.78%	+3.10%	-1.32	46 / 75	Q3
3Y	+10.96%	+10.95%	+0.01	36 / 75	Q2
4Y	+11.46%	+11.02%	+0.44	27 / 69	Q2
5Y	+8.63%	+10.65%	-2.02	53 / 65	Q4
7Y	+11.78%	+11.69%	+0.09	23 / 63	Q2
10Y	+9.25%	+10.10%	-0.85	35 / 46	Q4
Inception	+8.64%	+10.74%	-2.10	62 / 76	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	-7.85%	-5.99%	-1.86	49 / 70
2025	+5.20%	+2.19%	+3.01	13 / 70
2024	+15.02%	+16.51%	-1.50	30 / 70
2023	+25.05%	+24.04%	+1.00	26 / 68
2022	-8.90%	+1.46%	-10.36	63 / 65
2021	+33.90%	+33.28%	+0.62	21 / 68
2020	+21.08%	+13.91%	+7.17	9 / 68
2019	+3.73%	+5.99%	-2.27	46 / 66
2018	-14.72%	-7.59%	-7.14	44 / 56
2017	+25.17%	+29.87%	-4.70	38 / 50
2016	-3.41%	+1.05%	-4.46	39 / 46

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

+11.56%

152 windows

min -25.6% · max 82.5%

66% positive

3-Year rolling

+9.38%

127 windows

min -10.2% · max 24.8%

91% positive

5-Year rolling

+9.26%

103 windows

min -5.9% · max 21.6%

92% positive

7-Year rolling

+8.84%

79 windows

min 1.3% · max 13.7%

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

13.35%

3-year · annualised

Sharpe ratio

0.36

vs risk-free 6.5%

Sortino ratio

0.54

Downside-only deviation

Max drawdown

-18.60%

Sep 2024 → Feb 2025

% positive months

72.2%

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 - IDCW Option - Direct Plan	HDFC	₹88.8430	3 Jun 2026
NIPPON INDIA ELSS TAX SAVER FUND - DIRECT Plan - ANNUAL IDCW Option	Nippon India	₹21.9652	3 Jun 2026
SBI ELSS Tax Saver Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹113.4965	3 Jun 2026
ICICI Prudential ELSS Tax Saver Fund - Direct Plan - IDCW	ICICI Prudential	₹43.2500	3 Jun 2026
Invesco India ELSS Tax Saver Fund - Direct Plan - IDCW Payout	Invesco	₹30.0200	3 Jun 2026
BANDHAN ELSS Tax Saver Fund - Direct Plan - IDCW	Bandhan	₹40.0710	3 Jun 2026
quant ELSS Tax Saver Fund - IDCW Option - Direct Plan	Quant	₹59.0826	3 Jun 2026
Aditya Birla Sun Life ELSS Tax Saver Fund-DIRECT - IDCW	Aditya Birla Sun Life	₹417.8400	3 Jun 2026
Motilal Oswal ELSS Tax Saver Fund Direct - IDCW Payout	Motilal Oswal	₹38.4424	3 Jun 2026
Franklin India ELSS Tax Saver Fund - Direct - IDCW	Franklin India	₹67.3238	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹51.3887
2 Jun 2026	₹51.5668
1 Jun 2026	₹51.3521
29 May 2026	₹51.6841
27 May 2026	₹52.4133
26 May 2026	₹52.3548
25 May 2026	₹52.4816
22 May 2026	₹51.8607
21 May 2026	₹51.6372
20 May 2026	₹51.7298

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 03 Jun 2026, the NAV of UTI ELSS Tax Saver Fund - Direct Plan - IDCW is ₹51.3887. It's a ELSS from UTI, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

UTI ELSS Tax Saver Fund - Direct Plan - IDCW has NAV history starting from 02 Jan 2013, a track record of about 13 years 5 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 - IDCW 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 - IDCW has delivered a absolute return of -3.58% — -5.28 pp behind the ELSS category average of 1.70%. The fund ranks #34 of 76 in its category — the second (Q2) quartile.

Over the trailing 3-year window, UTI ELSS Tax Saver Fund - Direct Plan - IDCW has delivered a CAGR of 10.96% — +0.01 pp ahead of the ELSS category average of 10.95%. The fund ranks #36 of 75 in its category — the second (Q2) quartile.

Over the trailing 5-year window, UTI ELSS Tax Saver Fund - Direct Plan - IDCW has delivered a CAGR of 8.63% — -2.02 pp behind the ELSS category average of 10.65%. The fund ranks #53 of 65 in its category — the bottom (Q4) quartile.

₹1 lakh invested in UTI ELSS Tax Saver Fund - Direct Plan - IDCW exactly 10 years ago would be worth approximately ₹242,163 today — a multiplier of 2.42×, based on the 10-year CAGR of 9.25%. The category average over the same window would have grown ₹1 lakh to ₹261,744.

A ₹10,000 monthly SIP in UTI ELSS Tax Saver Fund - Direct Plan - IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹716,361 today. That's an XIRR (money-weighted annualised return) of 7.02%.

A ₹10,000 monthly SIP for 10 years in UTI ELSS Tax Saver Fund - Direct Plan - IDCW = ₹1,200,000 invested. It would currently be worth ₹2,005,091 (multiplier 1.67×). XIRR: 9.91%. 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 - IDCW ranks #53 out of 65 funds in the ELSS category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 10.65%; this fund delivered 8.63%.

The worst peak-to-trough decline UTI ELSS Tax Saver Fund - Direct Plan - IDCW has experienced over the last 5-year window is 26.44% — 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 - IDCW averaged 9.26% (best 21.58%, worst -5.88%). 92% of rolling windows ended positive. The 5-year Sharpe ratio is 0.21 — weak risk-adjusted performance.

In calendar year 2025, UTI ELSS Tax Saver Fund - Direct Plan - IDCW returned 5.20% — beating the ELSS category average of 2.19% by 3.01 pp. It ranked #13 of 70 in its category that year.

UTI ELSS Tax Saver Fund - Direct Plan - IDCW 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 - IDCW 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: 26.4%. 5-year CAGR: 8.63%.

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