Sharpe ratio
0.47Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+3.16%1Y Absolute Return
-0.32%1D
Loading NAV history…
Past performance is not an indicator of future returns.
Returns calculator comparison
Compare an illustrative investment outcome across return assumptions.
| Asset | Projected corpus | Total invested | Gain | Annual return |
|---|---|---|---|---|
| UTI Equity Savings Fund - Direct Plan - Growth OptionFund 5Y annualised return | ₹9,03,252 | ₹7,32,612 | ₹1,70,640 | +8.61% |
| EPFIllustrative annual assumption | ₹8,95,132 | ₹7,32,612 | ₹1,62,520 | +8.25% |
| Residential propertyIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| PPFIllustrative annual assumption | ₹8,69,819 | ₹7,32,612 | ₹1,37,207 | +7.10% |
| Bank fixed depositIllustrative annual assumption | ₹8,56,981 | ₹7,32,612 | ₹1,24,369 | +6.50% |
| GoldIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| Savings accountIllustrative annual assumption | ₹7,86,827 | ₹7,32,612 | ₹54,215 | +3.00% |
Illustration only. Fund results use the available NAV-derived annualised return and can be negative. Reference rows are assumptions, not current quoted rates or guaranteed returns; property excludes transaction costs, taxes, and liquidity constraints. Mutual fund investments are subject to market risk.
Wealth multiple
₹1 became₹1.09
₹1 Lakh since launch₹1.09 Lakh
Fund age8.2 yrs
Fund information
Scheme code144490
ISININF789F1A777
BenchmarkCRISIL Equity Saving
CategoryHybrid Scheme - Equity Savings
Expense ratio1.08%
Exit loadExit load of 1%, if redeemed within 30 days.
Minimum SIP₹500 SIP
Return comparison
41st / 131 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +51.95% | — | — |
| 3M | +3.75% | — | — |
| 6M | +7.13% | — | — |
| 1Y | +3.16% | — | +1.29% |
| 3Y | +8.76% | — | +5.55% |
| 5Y | +8.61% | — | +4.44% |
| Since Launch | +9.24% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
0.66Return earned while limiting downside risk.
Moderate
Moderate downside risk-adjusted performance.
Standard deviation
5.40%How much the fund’s returns fluctuate over time.
Low volatility
Returns have been relatively stable.
Beta
—How closely the fund moves with the market.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Alpha
—Extra return generated above the benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Treynor ratio
—Return earned for each unit of market risk taken.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Calmar ratio
0.67How well the fund rewarded investors relative to its biggest decline.
Good
Good return relative to the drawdowns experienced.
Information ratio
—How consistently the fund outperformed its benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Portfolio allocation
Latest disclosed portfolio mix
Asset allocation
Portfolio100%
Equity33.56%
Hedged Equity32.26%
Debt21.08%
Real Estate6.99%
Cash6.11%
Market cap allocation
Sector allocation
Equity exposure by sector
Top holdings
10 of 85 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| Cash Margin | Unspecified | Cash Margin | 32.2613% |
| GOVERNMENT OF INDIA 33618 GOI 13NV30 7.32 FV RS 100 | Entities | GOI Securities | 7.879% |
| Net Current Assets | Unspecified | Net Current Assets | 6.0984% |
| GOVERNMENT OF INDIA 34539 GOI 03JU29 7.04 FV RS 100 | Entities | GOI Securities | 5.596% |
| Axis Bank Ltd | Financial | Equity | 5.4709% |
| GOVERNMENT OF INDIA 36232 GOI 21JL30 6.01 FV RS 100 | Entities | GOI Securities | 4.6362% |
| HDFC Bank Ltd | Financial | Equity | 4.1689% |
| Mahindra & Mahindra Ltd | Consumer Discretionary | Equity | 3.6633% |
| Bharti Airtel Ltd | Technology | Equity | 3.6409% |
| Grasim Industries Ltd | Materials | Equity | 3.5598% |
Fund management
V
V Srivatsa
Since 2018 · Prior to joining UTI Mutual Fund in 2002 he has worked with Ford, Rhodes Parks & Co., Chartered Accountants and Madras Cements Ltd.
Mr. Srivatsa is a B.Com (H), Chartered Accountant, CWA. and PGDM from IIM Indore.
AN
Anurag Mittal
Since 2026 · Prior to joining UTI Mutual Fund, he worked with IDFC AMC, HDFC AMC ( Sept. 2012 - Oct. 2015), Axis AMC (July 2009 - Sept. 2012), ICICI Prudential Life Insurance Company Ltd. as Credit Research Analyst (2008-2009) and with Bank of America in Corporate Banking (2006-2008).
Mr. Mittal is B.Com. (Hons), CA and M.Sc. in Accounting and Finance (specialization in Finance) from London School of Economics & Political Science.
Compare similar funds
No comparable category funds are available yet.
Summary
A moderately high-risk hybrid scheme - equity savings fund. Ahead of its category average over 3Y by 3.2 points. Has fallen sharply before — down -13.8% at its worst.
Strengths
- Ahead of its category average over 3Y by 3.2 points.
- Recovered from its worst fall in 5 months.
- Same fund manager for 8+ years — the strategy has not chopped and changed.
Weaknesses
- Has fallen sharply before — down -13.8% at its worst.
Ideal investor
- Needs a 2–3+ years horizon to ride out its moderately high risk level.
Risk drivers
- None