Should I invest in UTI Equity Savings Fund?

We don't give personal investment advice. UTI Equity Savings 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: 5.2%. 5-year CAGR: 8.43%.

UTI

UTI Equity Savings Fund - Regular Plan - IDCW

Latest NAV

₹18.5504

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.

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	+0.08%	0.00%	+0.08	7 / 31	Q1
1W	-0.55%	-0.52%	-0.02	14 / 31	Q2
2W	-0.12%	-0.20%	+0.08	15 / 31	Q2
1M	-0.72%	-0.36%	-0.35	23 / 31	Q3
3M	-1.48%	-0.98%	-0.50	20 / 31	Q3
6M	-1.38%	-2.07%	+0.69	16 / 31	Q3
YTD	-2.33%	-2.02%	-0.32	18 / 31	Q3
1Y	+2.61%	+0.21%	+2.40	9 / 30	Q2
2Y	+4.70%	+1.92%	+2.78	10 / 29	Q2
3Y	+8.71%	+4.84%	+3.87	5 / 28	Q1
4Y	+9.33%	+4.52%	+4.82	8 / 24	Q2
5Y	+8.43%	+3.63%	+4.81	6 / 24	Q1
7Y	+8.88%	+4.64%	+4.24	5 / 24	Q1
10Y	—	—	—	—	—
Inception	+8.31%	+4.74%	+3.57	4 / 31	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	-2.33%	-2.62%	+0.29	16 / 29
2025	+8.28%	+1.74%	+6.54	1 / 27
2024	+9.18%	+7.43%	+1.75	12 / 28
2023	+15.43%	+8.86%	+6.57	4 / 26
2022	+6.33%	-1.13%	+7.47	4 / 24
2021	+13.83%	+8.85%	+4.98	1 / 25
2020	+10.01%	+9.17%	+0.84	11 / 25
2019	+4.17%	+4.21%	-0.03	10 / 23
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

+9.70%

83 windows

min -9.2% · max 29.6%

95% positive

3-Year rolling

+10.71%

59 windows

min 7.8% · max 14.5%

100% positive

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

5-Year rolling

+10.83%

34 windows

min 8.4% · max 13.3%

100% positive

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

7-Year rolling

+9.33%

10 windows

min 8.8% · max 9.8%

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

4.42%

3-year · annualised

Sharpe ratio

0.45

vs risk-free 6.5%

Sortino ratio

0.81

Downside-only deviation

Max drawdown

-5.02%

Feb 2026 → Mar 2026

% positive months

75.0%

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
SBI Equity Savings Fund - Regular Plan - Monthly Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹22.5225	3 Jun 2026
Invesco India Equity Savings Fund - Regular Plan - IDCW (Payout / Reinvestment)	Invesco	₹16.2477	3 Jun 2026
BANDHAN Equity Savings Fund - Regular Plan -Annual IDCW	Bandhan	₹12.3290	3 Jun 2026
quant Equity Savings Fund - IDCW Option - Regular Plan	Quant	₹10.3253	3 Jun 2026
Aditya Birla Sun Life Equity Savings Fund - Regular - IDCW	Aditya Birla Sun Life	₹13.0500	3 Jun 2026
Mirae Asset Equity Savings Fund Regular IDCW	Mirae Asset	₹12.2450	3 Jun 2026
Kotak Equity Savings Fund - Regular - Monthly Payout of Income Distribution cum capital withdrawal option	Kotak	₹19.6748	3 Jun 2026
Edelweiss Equity Savings Fund - Regular Plan - IDCW Option	Edelweiss	₹18.1949	3 Jun 2026
DSP Equity Savings Fund - Regular Plan - IDCW	DSP	₹11.9260	3 Jun 2026
HSBC Equity Savings Fund - Regular Monthly IDCW	HSBC	₹15.3237	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹18.5504
2 Jun 2026	₹18.5936
1 Jun 2026	₹18.5793
29 May 2026	₹18.5893
27 May 2026	₹18.6834
26 May 2026	₹18.6959
25 May 2026	₹18.7143
22 May 2026	₹18.6234
21 May 2026	₹18.6290
20 May 2026	₹18.6242

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 - Regular Plan - IDCW is ₹18.5504. It's a Equity Savings Fund from UTI, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

UTI Equity Savings Fund - Regular Plan - 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 - Regular Plan - 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 - Regular Plan - IDCW has delivered a absolute return of 2.61% — +2.4 pp ahead of the Equity Savings Fund category average of 0.21%. The fund ranks #9 of 30 in its category — the second (Q2) quartile.

Over the trailing 3-year window, UTI Equity Savings Fund - Regular Plan - IDCW has delivered a CAGR of 8.71% — +3.87 pp ahead of the Equity Savings Fund category average of 4.84%. The fund ranks #5 of 28 in its category — the top (Q1) quartile.

Over the trailing 5-year window, UTI Equity Savings Fund - Regular Plan - IDCW has delivered a CAGR of 8.43% — +4.81 pp ahead of the Equity Savings Fund category average of 3.63%. The fund ranks #6 of 24 in its category — the top (Q1) quartile.

₹1 lakh invested in UTI Equity Savings Fund - Regular Plan - IDCW exactly 5 years ago would be worth approximately ₹149,892 today — a multiplier of 1.50×, based on the 5-year CAGR of 8.43%. The category average over the same window would have grown ₹1 lakh to ₹119,495.

A ₹10,000 monthly SIP in UTI Equity Savings Fund - Regular Plan - IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹726,889 today. That's an XIRR (money-weighted annualised return) of 7.60%.

UTI Equity Savings Fund - Regular Plan - IDCW doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,150,719 — XIRR 8.84%.

On a 5-year basis, UTI Equity Savings Fund - Regular Plan - IDCW ranks #6 out of 24 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 3.63%; this fund delivered 8.43%.

The worst peak-to-trough decline UTI Equity Savings Fund - Regular Plan - IDCW has experienced over the last 5-year window is 5.25% — 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 - Regular Plan - IDCW averaged 10.83% (best 13.32%, worst 8.43%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.37 — weak risk-adjusted performance.

In calendar year 2025, UTI Equity Savings Fund - Regular Plan - IDCW returned 8.28% — beating the Equity Savings Fund category average of 1.74% by 6.54 pp. It ranked #1 of 27 in its category that year.

UTI Equity Savings 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 Equity Savings 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: 5.2%. 5-year CAGR: 8.43%.

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

UTI Equity Savings Fund - Regular Plan - 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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