Should I invest in UTI - ETSP-Income Option?

We don't give personal investment advice. UTI - ETSP-Income 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: 28.3%. 5-year CAGR: 7.09%.

UTI

UTI - ETSP-Income Option

Latest NAV

₹36.9094

As of

3 Jun 2026

4,958 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%	-2.11%	+2.53	15 / 90	Q1
1W	-1.52%	-4.12%	+2.59	46 / 87	Q3
2W	-0.33%	-3.75%	+3.42	43 / 87	Q2
1M	-1.39%	-5.60%	+4.21	39 / 87	Q2
3M	-3.63%	-5.40%	+1.77	52 / 87	Q3
6M	-7.69%	-3.98%	-3.71	62 / 89	Q3
YTD	-8.21%	-5.20%	-3.01	63 / 89	Q3
1Y	-4.50%	+1.41%	-5.91	54 / 87	Q3
2Y	+0.80%	-0.15%	+0.95	49 / 86	Q3
3Y	+9.87%	+6.12%	+3.75	48 / 81	Q3
4Y	+10.35%	+7.91%	+2.45	48 / 78	Q3
5Y	+7.09%	+6.94%	+0.14	58 / 77	Q4
7Y	+10.36%	+8.75%	+1.60	38 / 75	Q3
10Y	+7.41%	+8.10%	-0.70	46 / 69	Q3
Inception	+3.40%	+5.86%	-2.46	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	-8.21%	-7.12%	-1.08	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

+6.93%

234 windows

min -61.9% · max 80.8%

61% positive

3-Year rolling

+5.07%

210 windows

min -18.3% · max 22.7%

67% positive

5-Year rolling

+5.02%

185 windows

min -8.9% · max 19.9%

78% positive

7-Year rolling

+4.54%

161 windows

min -2.7% · max 12.3%

89% 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

13.34%

3-year · annualised

Sharpe ratio

0.29

vs risk-free 6.5%

Sortino ratio

0.42

Downside-only deviation

Max drawdown

-18.93%

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 TaxSaver-Dividend Plan	HDFC	₹63.5390	3 Jun 2026
NIPPON INDIA ELSS TAX SAVER FUND - ANNUAL IDCW Option	Nippon India	₹19.9775	3 Jun 2026
SBI MAGNUM TAXGAIN SCHEME 1993 - DIVIDEND	SBI	₹85.4857	3 Jun 2026
ICICI Prudential Long Term Wealth Enhancement Fund - IDCW Option	ICICI Prudential	₹27.4000	3 Jun 2026
Quantum Tax Saving Fund - Dividend	Quantum	₹121.5100	3 Jun 2026
Motilal Oswal ELSS Tax Saver Fund - IDCW Payout	Motilal Oswal	₹29.6508	3 Jun 2026
Franklin India Taxshield-Dividend	Franklin Templeton	₹57.8774	3 Jun 2026
Kotak Tax Saver-Scheme-Dividend	Kotak Mahindra	₹41.1340	3 Jun 2026
EDELWEISS ELSS FUND - Dividend Option	Edelweiss	₹29.5000	3 Jun 2026
DSP BlackRock Tax Saver Fund - Dividend	DSP BlackRock	₹21.1600	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹36.9094
2 Jun 2026	₹37.0383
1 Jun 2026	₹36.8850
29 May 2026	₹37.1261
27 May 2026	₹37.6518
26 May 2026	₹37.6107
25 May 2026	₹37.7027
22 May 2026	₹37.2594
21 May 2026	₹37.0998
20 May 2026	₹37.1672

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 - ETSP-Income Option is ₹36.9094. 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 - ETSP-Income Option has NAV history starting from 03 Apr 2006, a track record of about 20 years 2 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 - ETSP-Income 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 - ETSP-Income Option has delivered a absolute return of -4.50% — -5.91 pp behind the ELSS category average of 1.41%. The fund ranks #54 of 87 in its category — the third (Q3) quartile.

Over the trailing 3-year window, UTI - ETSP-Income Option has delivered a CAGR of 9.87% — +3.75 pp ahead of the ELSS category average of 6.12%. The fund ranks #48 of 81 in its category — the third (Q3) quartile.

Over the trailing 5-year window, UTI - ETSP-Income Option has delivered a CAGR of 7.09% — +0.14 pp ahead of the ELSS category average of 6.94%. The fund ranks #58 of 77 in its category — the bottom (Q4) quartile.

₹1 lakh invested in UTI - ETSP-Income Option exactly 10 years ago would be worth approximately ₹204,331 today — a multiplier of 2.04×, based on the 10-year CAGR of 7.41%. The category average over the same window would have grown ₹1 lakh to ₹217,976.

A ₹10,000 monthly SIP in UTI - ETSP-Income Option over the last 5 years — total invested ₹600,000 — would be worth ₹694,616 today. That's an XIRR (money-weighted annualised return) of 5.79%.

A ₹10,000 monthly SIP for 10 years in UTI - ETSP-Income Option = ₹1,200,000 invested. It would currently be worth ₹1,844,920 (multiplier 1.54×). XIRR: 8.33%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, UTI - ETSP-Income Option ranks #58 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 6.94%; this fund delivered 7.09%.

The worst peak-to-trough decline UTI - ETSP-Income Option 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 - ETSP-Income Option averaged 5.02% (best 19.86%, worst -8.92%). 78% of rolling windows ended positive. The 5-year Sharpe ratio is 0.12 — weak risk-adjusted performance.

In calendar year 2025, UTI - ETSP-Income Option 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 - ETSP-Income 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 - ETSP-Income 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: 28.3%. 5-year CAGR: 7.09%.

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