Should I invest in UTI Equity Savings Fund - Quarterly IDCW?

We don't give personal investment advice. UTI Equity Savings Fund - Direct Plan - Quarterly 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: 5.1%. 5-year CAGR: 9.40%.

UTI

UTI Equity Savings Fund - Direct Plan - Quarterly IDCW

Latest NAV

₹19.9067

As of

3 Jun 2026

1,906 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.

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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	+0.08%	+7.25%	-7.17	8 / 52	Q1
1W	-0.53%	+6.89%	-7.42	32 / 52	Q3
2W	-0.09%	+7.13%	-7.22	22 / 52	Q2
1M	-0.64%	+7.13%	-7.78	40 / 51	Q4
3M	-1.24%	+6.63%	-7.87	33 / 51	Q3
6M	-0.89%	+6.00%	-6.89	28 / 51	Q3
YTD	-1.93%	+5.72%	-7.65	31 / 51	Q3
1Y	+3.63%	+8.33%	-4.70	14 / 50	Q2
2Y	+5.74%	+5.55%	+0.19	19 / 50	Q2
3Y	+9.73%	+6.83%	+2.90	11 / 48	Q1
4Y	+10.33%	+6.12%	+4.21	8 / 43	Q1
5Y	+9.40%	+5.24%	+4.16	7 / 42	Q1
7Y	+9.83%	+5.14%	+4.69	3 / 38	Q1
10Y	—	—	—	—	—
Inception	+9.30%	+5.77%	+3.53	8 / 50	Q1

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	-1.93%	-2.29%	+0.36	23 / 43
2025	+9.42%	+10.59%	-1.18	6 / 45
2024	+10.13%	+7.51%	+2.62	13 / 45
2023	+16.38%	+8.56%	+7.82	6 / 43
2022	+7.21%	+0.43%	+6.77	3 / 43
2021	+14.78%	+8.79%	+5.98	1 / 43
2020	+10.89%	+7.24%	+3.65	12 / 43
2019	+5.20%	+4.12%	+1.08	18 / 37
2018	—	—	—	—

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

+10.66%

83 windows

min -8.5% · max 30.7%

95% positive

3-Year rolling

+11.65%

59 windows

min 8.6% · max 15.4%

100% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

+11.78%

34 windows

min 9.4% · max 14.3%

100% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

7-Year rolling

+10.29%

10 windows

min 9.7% · max 10.8%

100% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

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

4.41%

3-year · annualised

Sharpe ratio

0.66

vs risk-free 6.5%

Sortino ratio

1.25

Downside-only deviation

Max drawdown

-4.90%

Feb 2026 → Mar 2026

% positive months

77.8%

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 Equity Savings Fund

Scheme	Fund house	NAV	As of
HDFC Equity Savings Fund - IDCW Option - Direct Plan	HDFC	₹14.9190	3 Jun 2026
NIPPON INDIA EQUITY SAVINGS FUND - SEGREGATED PORTFOLIO 2 - Direct Plan - IDCW Option	Nippon India	₹0.0000	3 Jun 2026
SBI Equity Savings Fund - Direct Plan - Monthly Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹24.6420	3 Jun 2026
ICICI Prudential Equity Savings Fund - Direct Plan - Quarterly IDCW	ICICI Prudential	₹15.5800	3 Jun 2026
Invesco India Equity Savings Fund - Direct Plan - IDCW (Payout / Reinvestment)	Invesco	₹18.2438	3 Jun 2026
BANDHAN Equity Savings Fund-Direct Plan -Quarterly IDCW	Bandhan	₹13.2530	3 Jun 2026
quant Equity Savings Fund - IDCW Option - Direct Plan	Quant	₹10.4579	3 Jun 2026
Aditya Birla Sun Life Equity Savings Fund - Direct - IDCW	Aditya Birla Sun Life	₹15.4200	3 Jun 2026
Franklin India Equity Savings Fund - Direct - IDCW	Franklin India	₹14.9660	3 Jun 2026
Mirae Asset Equity Savings Fund Direct IDCW	Mirae Asset	₹13.3610	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹19.9067
2 Jun 2026	₹19.9525
1 Jun 2026	₹19.9366
29 May 2026	₹19.9457
27 May 2026	₹20.0457
26 May 2026	₹20.0585
25 May 2026	₹20.0777
22 May 2026	₹19.9786
21 May 2026	₹19.9841
20 May 2026	₹19.9784

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 Equity Savings Fund - Direct Plan - Quarterly IDCW is ₹19.9067. It's a Equity Savings Fund from UTI, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

UTI Equity Savings Fund - Direct Plan - Quarterly IDCW has NAV history starting from 31 Aug 2018, a track record of about 7 years 9 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 Equity Savings Fund - Direct Plan - Quarterly IDCW is managed by UTI. It's classified by AMFI under the 'Equity Savings Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, UTI Equity Savings Fund - Direct Plan - Quarterly IDCW has delivered a absolute return of 3.63% — -4.7 pp behind the Equity Savings Fund category average of 8.33%. The fund ranks #14 of 50 in its category — the second (Q2) quartile.

Over the trailing 3-year window, UTI Equity Savings Fund - Direct Plan - Quarterly IDCW has delivered a CAGR of 9.73% — +2.9 pp ahead of the Equity Savings Fund category average of 6.83%. The fund ranks #11 of 48 in its category — the top (Q1) quartile.

Over the trailing 5-year window, UTI Equity Savings Fund - Direct Plan - Quarterly IDCW has delivered a CAGR of 9.40% — +4.16 pp ahead of the Equity Savings Fund category average of 5.24%. The fund ranks #7 of 42 in its category — the top (Q1) quartile.

₹1 lakh invested in UTI Equity Savings Fund - Direct Plan - Quarterly IDCW exactly 5 years ago would be worth approximately ₹156,709 today — a multiplier of 1.57×, based on the 5-year CAGR of 9.40%. The category average over the same window would have grown ₹1 lakh to ₹129,108.

A ₹10,000 monthly SIP in UTI Equity Savings Fund - Direct Plan - Quarterly IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹745,649 today. That's an XIRR (money-weighted annualised return) of 8.62%.

UTI Equity Savings Fund - Direct Plan - Quarterly IDCW doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,192,629 — XIRR 9.84%.

On a 5-year basis, UTI Equity Savings Fund - Direct Plan - Quarterly IDCW ranks #7 out of 42 funds in the Equity Savings Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 5.24%; this fund delivered 9.40%.

The worst peak-to-trough decline UTI Equity Savings Fund - Direct Plan - Quarterly IDCW has experienced over the last 5-year window is 5.08% — its NAV fell from a high on 04 Apr 2022 to a low on 20 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 Equity Savings Fund - Direct Plan - Quarterly IDCW averaged 11.78% (best 14.29%, worst 9.40%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.55 — reasonable risk-adjusted performance.

In calendar year 2025, UTI Equity Savings Fund - Direct Plan - Quarterly IDCW returned 9.42% — lagging the Equity Savings Fund category average of 10.59% by 1.18 pp. It ranked #6 of 45 in its category that year.

UTI Equity Savings Fund - Direct Plan - Quarterly 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 Equity Savings Fund - Direct Plan - Quarterly 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: 5.1%. 5-year CAGR: 9.40%.

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

UTI Equity Savings Fund - Direct Plan - Quarterly IDCW

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Equity Savings Fund

Recent NAVs

Frequently asked questions

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