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MF Analyser

UTI ELSS Tax Saver Fund

Regular Plan · Growth · ELSS (Tax Saving) · Scheme code 100821

NAV₹194.5694as on 25 Sep 2026
Fund houseUTI Mutual Fund
CategoryELSS (Tax Saving)
Plan & optionRegular · Growth
History20.5 years

Returns (%)

 1M3M6M1Y3Y5Y7Y10YLaunch
This scheme -4.77-2.881.27 -6.546.065.93 13.0410.679.45
Nifty 500
benchmark		 0.874.312.15 5.2012.4911.41 ——15.49
ELSS (Tax Saving)
category median		 ——— 0.9510.9910.71 —12.54—

Over a year annualised (CAGR), under a year absolute. Computed from AMFI's published NAV history for this scheme.

Risk

 VolatilitySharpeSortinoBetaAlphaMax fallR²
This scheme 18.2% -0.02 -0.03 0.96 -1.34% -59.9% 95.42
Nifty 500
benchmark		 17.2%0.35 0.47—— -37.3%—

Risk-free rate 6.5%. Beta, alpha and R² are regressed on the 83 months this scheme and its benchmark share.

Growth of ₹100 since launch

132655177692008201020122014201620182020202220242026MF Analyser

Drawdown from peak (%)

0%-22%-44%-65%2008201020122014201620182020202220242026

Every one-year period it has lived through

WindowsWorstMedianBestPeriods that lost money
957 -55.9% 9.3% 91.0% 25%

Every one-year holding period in this scheme's history, not just the last one — the spread a real investor would have met depending only on when they started.

How it behaves against its benchmark

Up captureDown captureCorrelation Tracking errorInformation ratioTreynor
93% 96% 0.98 3.9% -0.43 7.11

Up capture is how much of the benchmark's gain this scheme kept in the months the benchmark rose; down capture, how much of its fall it took. Below 100 on the down side and above it on the up side is the combination every fund is trying for and few reach. Measured over the 83 months this scheme and Nifty 500 share.

MF Analyser

UTI ELSS Tax Saver Fund

Regular Plan · Growth

Allocation

By asset

Equity98.31%
Cash & Equivalents1.68%

By market cap

Concentration

Number of stocks59
Top 5 stocks26.93%
Top 10 stocks40.27%
Top 20 stocks58.34%
Lines in the filing60
Largest holding7.58%
Largest sectorBanks 26.13%
Effective stocks36.7
Sectors held28
Cash1.68%

Effective stocks is what the concentration works out to: a fund holding 59 names but most of its money in a few behaves like a fund of 37. Cash includes repo and TREPS, which every fund parks money in overnight.

Sector split

Banks — 26.1%IT - Software — 8.2%Automobiles — 6.0%Retailing — 5.6%Finance — 4.4%Consumer Durables — 4.3%Telecom - Services — 4.2%Auto Components — 3.8%Realty — 3.5%Other — 34.0%Banks26.1%IT - Software8.2%Automobiles6.0%Retailing5.6%Finance4.4%Consumer Durables4.3%Telecom - Services4.2%Auto Components3.8%Realty3.5%Other34.0%
Banks26.13%
IT - Software8.21%
Automobiles5.98%
Retailing5.55%
Finance4.43%
Consumer Durables4.25%
Telecom - Services4.16%
Auto Components3.83%
Realty3.50%
Petroleum Products3.49%
Pharmaceuticals & Biotechnology3.29%
Healthcare Services2.58%
Aerospace & Defense2.53%
Industrial Products2.34%
Leisure Services2.31%
Insurance2.08%
Ferrous Metals2.06%
Power2.05%
Cash & Equivalents1.68%
Personal Products1.43%
MF Analyser

UTI ELSS Tax Saver Fund

Regular Plan · Growth · holdings

Top 30 holdings

#CompanySectorShares held Value
₹ cr		% of fund
1 EQ - HDFC BANK LIMITED Banks 3,725,000 — 7.58%
2 EQ - ICICI BANK LTD Banks 1,750,000 — 7.31%
3 EQ - KOTAK MAHINDRA BANK LTD. Banks 3,500,000 — 4.22%
4 EQ - BHARTI AIRTEL LTD. Telecom - Services 800,000 — 4.16%
5 EQ - AXIS BANK LTD. Banks 981,000 — 3.66%
6 EQ - BAJAJ FINANCE LTD. Finance 975,000 — 2.96%
7 EQ - RELIANCE INDUSTRIES LTD. Petroleum Products 750,000 — 2.75%
8 EQ - INFOSYS LTD. IT - Software 800,000 — 2.60%
9 EQ - MAHINDRA & MAHINDRA LTD. Automobiles 275,000 — 2.59%
10 EQ - STATE BANK OF INDIA Banks 800,000 — 2.44%
11 EQ - TECH MAHINDRA LTD. IT - Software 445,000 — 2.08%
12 EQ - TATA STEEL LTD. Ferrous Metals 3,900,000 — 2.06%
13 EQ - MARUTI SUZUKI INDIA LTD. Automobiles 50,000 — 1.95%
14 EQ - AJANTA PHARMA LTD. Pharmaceuticals & Biotechnology 185,721 — 1.92%
15 EQ - PHOENIX MILLS LTD Realty 335,000 — 1.83%
16 EQ - INFO-EDGE (INDIA) LTD. Retailing 475,000 — 1.79%
17 NET CURRENT ASSETS Unclassified — — 1.68%
18 EQ - BRIGADE ENTERPRISES LTD. Realty 887,120 — 1.67%
19 EQ - ASTER DM QUALITY CARE LIMITED Healthcare Services 750,000 — 1.63%
20 EQ - JUBILANT FOODWORKS LTD. Leisure Services 1,100,000 — 1.57%
21 EQ - MPHASIS LTD IT - Software 225,000 — 1.57%
22 EQ - CROMPTON GREAVES CONSUMER ELEC Consumer Durables 2,200,000 — 1.49%
23 EQ - CHOLAMANDALAM INVESTMENT & FIN Finance 275,000 — 1.47%
24 EQ - EICHER MOTORS LTD Automobiles 63,000 — 1.44%
25 EQ - COFORGE LTD IT - Software 250,000 — 1.43%
26 EQ - ETERNAL LIMITED Retailing 1,500,000 — 1.41%
27 EQ - SUN PHARMACEUTICALS INDUSTRIES Pharmaceuticals & Biotechnology 240,000 — 1.37%
28 EQ - POLYCAB INDIA LTD Industrial Products 50,000 — 1.36%
29 EQ - TUBE INVESTMENTS OF INDIA LTD Auto Components 168,382 — 1.34%
30 EQ - VARUN BEVERAGES LTD Beverages 1,150,000 — 1.32%
MF Analyser

UTI ELSS Tax Saver Fund

Regular Plan · Growth · where the money sits

A ₹10,000 monthly SIP over five years

InvestedValueGainXIRR
₹600,000 ₹691,051 ₹91,051 5.59%

XIRR, not CAGR — a SIP's money arrives over sixty months, so each instalment has been invested for a different length of time.

Not investment advice. InvestVerdict is not a SEBI-registered Investment Adviser or Research Analyst. Every figure is computed from AMFI's published NAV history and the portfolio the AMC filed with AMFI; none of it is a recommendation to buy, hold or sell. Past returns do not predict future ones. Generated 26 Sep 2026.