Should I invest in UTI - Master Equity Plan Unit Scheme?

We don't give personal investment advice. UTI - Master Equity Plan Unit Scheme 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: 18.1%. 5-year CAGR: 9.11%.

UTI

UTI - Master Equity Plan Unit Scheme

Latest NAV

₹223.8269

As of

17 Jul 2026

4,989 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	+0.84%	-1.95%	+2.80	7 / 90	Q1
1W	+0.60%	-3.22%	+3.82	15 / 87	Q1
2W	+0.87%	-3.57%	+4.44	17 / 87	Q1
1M	+1.63%	-3.98%	+5.60	36 / 87	Q2
3M	+1.14%	-3.29%	+4.43	47 / 87	Q3
6M	-4.36%	-1.04%	-3.33	67 / 89	Q4
YTD	-5.69%	-3.07%	-2.62	66 / 89	Q3
1Y	-2.34%	+2.32%	-4.66	52 / 87	Q3
2Y	-0.88%	-0.75%	-0.12	52 / 86	Q3
3Y	+8.34%	+5.77%	+2.56	53 / 81	Q3
4Y	+10.92%	+8.62%	+2.30	47 / 78	Q3
5Y	+9.11%	+7.06%	+2.05	48 / 77	Q3
7Y	+11.37%	+9.74%	+1.62	37 / 75	Q2
10Y	+10.27%	+8.09%	+2.19	35 / 69	Q3
Inception	+9.18%	+5.96%	+3.23	40 / 91	Q2

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	-5.69%	-3.09%	-2.60	36 / 47
2025	+8.00%	+1.54%	+6.46	4 / 47
2024	+11.38%	+18.17%	-6.79	39 / 47
2023	+20.39%	+23.46%	-3.06	36 / 49
2022	+1.24%	+0.75%	+0.49	22 / 52
2021	+28.69%	+28.91%	-0.22	30 / 54
2020	+10.66%	+11.40%	-0.74	32 / 56
2019	+7.99%	+2.03%	+5.96	18 / 59
2018	-4.01%	-9.68%	+5.67	16 / 61
2017	+30.21%	+29.95%	+0.26	37 / 65
2016	+3.83%	-0.31%	+4.15	15 / 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

+11.88%

236 windows

min -48.8% · max 66.6%

75% positive

3-Year rolling

+10.74%

211 windows

min -6.8% · max 27.8%

95% positive

5-Year rolling

+10.68%

187 windows

min -0.4% · max 23.1%

99% positive

7-Year rolling

+10.58%

163 windows

min 4.1% · max 15.5%

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

11.88%

3-year · annualised

Sharpe ratio

0.19

vs risk-free 6.5%

Sortino ratio

0.30

Downside-only deviation

Max drawdown

-17.11%

Sep 2024 → Mar 2026

% positive months

58.3%

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	₹66.8780	17 Jul 2026
NIPPON INDIA ELSS TAX SAVER FUND - ANNUAL IDCW Option	Nippon India	₹20.5675	17 Jul 2026
SBI MAGNUM TAXGAIN SCHEME 1993 - DIVIDEND	SBI	₹89.3173	17 Jul 2026
ICICI Prudential Long Term Wealth Enhancement Fund - IDCW Option	ICICI Prudential	₹28.9500	17 Jul 2026
Quantum Tax Saving Fund - Dividend	Quantum	₹125.9300	17 Jul 2026
Motilal Oswal ELSS Tax Saver Fund - IDCW Payout	Motilal Oswal	₹30.3525	17 Jul 2026
Franklin India Taxshield-Dividend	Franklin Templeton	₹60.8511	17 Jul 2026
Kotak Tax Saver-Scheme-Dividend	Kotak Mahindra	₹43.8620	17 Jul 2026
EDELWEISS ELSS FUND - Dividend Option	Edelweiss	₹30.8300	17 Jul 2026
DSP BlackRock Tax Saver Fund - Dividend	DSP BlackRock	₹22.3070	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹223.8269
16 Jul 2026	₹221.9555
15 Jul 2026	₹221.7690
14 Jul 2026	₹221.1910
13 Jul 2026	₹222.6967
10 Jul 2026	₹222.4834
9 Jul 2026	₹220.2038
8 Jul 2026	₹219.1823
7 Jul 2026	₹223.4802
6 Jul 2026	₹223.0296

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 17 Jul 2026, the NAV of UTI - Master Equity Plan Unit Scheme is ₹223.8269. 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 - Master Equity Plan Unit Scheme 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 - Master Equity Plan Unit Scheme 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 - Master Equity Plan Unit Scheme has delivered a absolute return of -2.34% — -4.66 pp behind the ELSS category average of 2.32%. The fund ranks #52 of 87 in its category — the third (Q3) quartile.

Over the trailing 3-year window, UTI - Master Equity Plan Unit Scheme has delivered a CAGR of 8.34% — +2.56 pp ahead of the ELSS category average of 5.77%. The fund ranks #53 of 81 in its category — the third (Q3) quartile.

Over the trailing 5-year window, UTI - Master Equity Plan Unit Scheme has delivered a CAGR of 9.11% — +2.05 pp ahead of the ELSS category average of 7.06%. The fund ranks #48 of 77 in its category — the third (Q3) quartile.

₹1 lakh invested in UTI - Master Equity Plan Unit Scheme exactly 10 years ago would be worth approximately ₹265,867 today — a multiplier of 2.66×, based on the 10-year CAGR of 10.27%. The category average over the same window would have grown ₹1 lakh to ₹217,608.

A ₹10,000 monthly SIP in UTI - Master Equity Plan Unit Scheme over the last 5 years — total invested ₹600,000 — would be worth ₹721,441 today. That's an XIRR (money-weighted annualised return) of 7.30%.

A ₹10,000 monthly SIP for 10 years in UTI - Master Equity Plan Unit Scheme = ₹1,200,000 invested. It would currently be worth ₹2,031,929 (multiplier 1.69×). XIRR: 10.16%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, UTI - Master Equity Plan Unit Scheme ranks #48 out of 77 funds in the ELSS category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 7.06%; this fund delivered 9.11%.

The worst peak-to-trough decline UTI - Master Equity Plan Unit Scheme has experienced over the last 5-year window is 18.14% — 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 - Master Equity Plan Unit Scheme averaged 10.68% (best 23.06%, worst -0.38%). 99% of rolling windows ended positive. The 5-year Sharpe ratio is 0.22 — weak risk-adjusted performance.

In calendar year 2025, UTI - Master Equity Plan Unit Scheme returned 8.00% — beating the ELSS category average of 1.54% by 6.46 pp. It ranked #4 of 47 in its category that year.

UTI - Master Equity Plan Unit Scheme 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 - Master Equity Plan Unit Scheme 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: 18.1%. 5-year CAGR: 9.11%.

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