Should I invest in UTI ELSS Tax Saver Fund?

We don't give personal investment advice. UTI ELSS Tax Saver Fund - Regular 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: 28.3%. 5-year CAGR: 6.20%.

UTI

UTI ELSS Tax Saver Fund - Regular Plan - IDCW

Latest NAV

₹37.9563

As of

24 Jul 2026

4,994 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	-0.32%	-2.26%	+1.94	68 / 90	Q4
1W	-2.41%	-4.09%	+1.69	77 / 87	Q4
2W	-2.31%	-4.51%	+2.20	74 / 87	Q4
1M	-1.33%	-5.21%	+3.88	54 / 87	Q3
3M	+1.75%	-3.51%	+5.26	37 / 87	Q2
6M	-1.58%	-0.11%	-1.47	59 / 89	Q3
YTD	-5.93%	-3.87%	-2.07	58 / 89	Q3
1Y	-3.78%	+1.67%	-5.45	52 / 87	Q3
2Y	-1.82%	-0.94%	-0.89	61 / 86	Q3
3Y	+8.72%	+5.34%	+3.38	50 / 81	Q3
4Y	+9.99%	+8.00%	+1.99	48 / 78	Q3
5Y	+6.20%	+6.78%	-0.59	59 / 77	Q4
7Y	+11.88%	+9.69%	+2.19	36 / 75	Q2
10Y	+6.97%	+7.87%	-0.90	50 / 69	Q3
Inception	+3.50%	+5.90%	-2.41	72 / 91	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	-5.93%	-4.60%	-1.33	28 / 47
2025	+4.18%	+1.54%	+2.64	18 / 47
2024	+13.86%	+18.17%	-4.31	33 / 47
2023	+23.77%	+23.46%	+0.32	27 / 49
2022	-11.74%	+0.75%	-12.49	51 / 52
2021	+32.64%	+28.91%	+3.73	17 / 54
2020	+19.95%	+11.40%	+8.55	6 / 56
2019	+1.03%	+2.03%	-1.00	40 / 59
2018	-17.43%	-9.68%	-7.75	51 / 61
2017	+22.61%	+29.95%	-7.35	51 / 65
2016	-10.41%	-0.31%	-10.10	65 / 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

+6.71%

236 windows

min -61.3% · max 90.2%

59% positive

3-Year rolling

+5.31%

211 windows

min -16.5% · max 21.4%

71% positive

5-Year rolling

+5.05%

187 windows

min -8.6% · max 21.5%

78% positive

7-Year rolling

+4.60%

163 windows

min -2.6% · max 12.5%

90% 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

11.94%

3-year · annualised

Sharpe ratio

0.22

vs risk-free 6.5%

Sortino ratio

0.32

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 ELSS Tax saver - Growth Plan	HDFC	₹1,355.4920	24 Jul 2026
NIPPON INDIA ELSS TAX SAVER FUND - ANNUAL IDCW Option	Nippon India	₹20.2789	24 Jul 2026
SBI ELSS Tax Saver Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹87.5266	24 Jul 2026
ICICI Prudential ELSS Tax Saver Fund - Growth	ICICI Prudential	₹920.2700	24 Jul 2026
Quantum ELSS Tax Saver Fund - Direct Plan Growth Option	Quantum	₹124.5200	24 Jul 2026
Motilal Oswal ELSS Tax Saver Fund - IDCW Payout	Motilal Oswal	₹30.0961	24 Jul 2026
Franklin India ELSS Tax Saver Fund - IDCW	Franklin Templeton	₹59.4311	24 Jul 2026
Kotak ELSS Tax Saver Fund-Growth	Kotak Mahindra	₹115.0200	24 Jul 2026
Edelweiss ELSS Tax Saver Fund - Regular Plan - Growth Option	Edelweiss	₹113.4400	24 Jul 2026
DSP ELSS Tax Saver Fund - Regular Plan - Growth	DSP BlackRock	₹136.6760	24 Jul 2026

Recent NAVs

Date	NAV
24 Jul 2026	₹37.9563
23 Jul 2026	₹38.0769
22 Jul 2026	₹38.3327
21 Jul 2026	₹38.7088
20 Jul 2026	₹38.7310
17 Jul 2026	₹38.8923
16 Jul 2026	₹38.6694
15 Jul 2026	₹38.7486
14 Jul 2026	₹38.6267
13 Jul 2026	₹38.8598

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 24 Jul 2026, the NAV of UTI ELSS Tax Saver Fund - Regular Plan - IDCW is ₹37.9563. 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 ELSS Tax Saver Fund - Regular Plan - IDCW has NAV history starting from 03 Apr 2006, a track record of about 20 years 3 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 ELSS Tax Saver Fund - Regular 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 - Regular Plan - IDCW has delivered a absolute return of -3.78% — -5.45 pp behind the ELSS category average of 1.67%. The fund ranks #52 of 87 in its category — the third (Q3) quartile.

Over the trailing 3-year window, UTI ELSS Tax Saver Fund - Regular Plan - IDCW has delivered a CAGR of 8.72% — +3.38 pp ahead of the ELSS category average of 5.34%. The fund ranks #50 of 81 in its category — the third (Q3) quartile.

Over the trailing 5-year window, UTI ELSS Tax Saver Fund - Regular Plan - IDCW has delivered a CAGR of 6.20% — -0.59 pp behind the ELSS category average of 6.78%. The fund ranks #59 of 77 in its category — the bottom (Q4) quartile.

₹1 lakh invested in UTI ELSS Tax Saver Fund - Regular Plan - IDCW exactly 10 years ago would be worth approximately ₹196,201 today — a multiplier of 1.96×, based on the 10-year CAGR of 6.97%. The category average over the same window would have grown ₹1 lakh to ₹213,276.

A ₹10,000 monthly SIP in UTI ELSS Tax Saver Fund - Regular Plan - IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹709,225 today. That's an XIRR (money-weighted annualised return) of 6.62%.

A ₹10,000 monthly SIP for 10 years in UTI ELSS Tax Saver Fund - Regular Plan - IDCW = ₹1,200,000 invested. It would currently be worth ₹1,887,151 (multiplier 1.57×). XIRR: 8.76%. 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 - Regular Plan - IDCW ranks #59 out of 77 funds in the ELSS category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 6.78%; this fund delivered 6.20%.

The worst peak-to-trough decline UTI ELSS Tax Saver Fund - Regular Plan - IDCW has experienced over the last 5-year window is 28.30% — 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 - Regular Plan - IDCW averaged 5.05% (best 21.50%, worst -8.57%). 78% of rolling windows ended positive. The 5-year Sharpe ratio is 0.04 — weak risk-adjusted performance.

In calendar year 2025, UTI ELSS Tax Saver Fund - Regular Plan - IDCW returned 4.18% — beating the ELSS category average of 1.54% by 2.64 pp. It ranked #18 of 47 in its category that year.

UTI ELSS Tax Saver Fund - Regular 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 - Regular 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: 28.3%. 5-year CAGR: 6.20%.

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