UTI ELSS Tax Saver Fund Direct Growth
NAV as on 22-04-2025
₹ 220.27
▲1.2%
1D
Inception Returns
14.4%
/yr
Historical NAV & Returns
Absolute
▲
▼
587 people have invested ₹ 19L in UTI ELSS Tax Saver Fund Direct Growth in the last three months
About UTI ELSS Tax Saver Fund Direct Growth
UTI ELSS Tax Saver Fund Direct Growth is an equity fund. This fund was started on 1 January, 2013. The fund is managed by Vishal Chopda. The fund could potentially beat inflation in the long-run.
Key Parameters
- UTI ELSS Tax Saver Fund Direct Growth has ₹3593 Cr worth of assets under management (AUM) as on Mar 2025 and is less than category average.
- The fund has an expense ratio 0.9.
Returns
UTI ELSS Tax Saver Fund Direct Growth has given a CAGR return of 14.35% since inception. Over the last 1, 3 and 5 years the fund has given a CAGR return of 11.49%, 12.93% and 23.40% respectively.
Holdings
UTI ELSS Tax Saver Fund Direct Growth has allocated its funds majorly in Cash Equivalent, Financial Services, Consumer Cyclical, Tech, Industrial, Consumer Defensive, Health, Communication, Basic Materials, Utilities, Energy, Real Estate. Its top holdings are HDFC Bank Ltd, ICICI Bank Ltd, Bharti Airtel Ltd, Infosys Ltd, Axis Bank Ltd
Taxation
As it is a elss (tax savings) mutual fund the taxation is as follows:For short term (less than a year) capital gains will be taxed at 20%For long term (more than 1 year) capital gains will be taxed at 12.5% without indexation benefitDividends will always be taxed at slab rate. Long term gains upto Rs 1 lakh are exempt capital gains tax.
Investment objective of UTI ELSS Tax Saver Fund Direct Growth
The primary objective of the scheme is to invest predominantly in equity and equity related securities of companies across the market capitalization spectrum. securities shall also include fully/partly convertible debentures/bonds.
Minimum Investment and lockin period
Minimum investment for lump sum payment is INR 500.00 and for SIP is INR 500.00. There is a lock in period for UTI ELSS Tax Saver Fund Direct Growth of 3 Years
UTI ELSS Tax Saver Fund Direct Growth Overview
| Expense ratio | 0.92% |
Benchmark | Nifty 500 TR INR |
| AUM | ₹3593 Cr |
| Inception Date | 1 January, 2013 |
| Min Lumpsum/SIP | ₹500/₹500 |
| Exit Load | 0% |
| Lock In | 3 Years |
TurnOver | 23.76% |
| STCG | Selling mutual fund before 1 year, returns taxed at 20%. |
| LTCG | After 1 year, 12.5% tax on returns over ₹1.25 lakh/year. |
| Risk |   Very High Risk |
INDmoney Rank for UTI ELSS Tax Saver Fund Direct Growth
Powered by IND quant engine
21
/23
31% Performance
39% Risk Management
31% Cost
21 out of 23 among elss (tax savings)
Beats FD returns for both 3Y & 5Y
Has not generated consistent returns
Does not beat the benchmark consistently
Higher probablity of downside risk
Trailing Returns
as on (22-Apr-25)
Fund Distribution
as on (31-Mar-25)
Large cap
69.2%
Mid cap
20.9%
Small cap
6.7%
Sector Allocation
Financial Services
32.7%
Consumer Cyclical
14%
Tech
9.8%
Industrial
8%
Consumer Defensive
7.6%
Health
6.2%
Communication
6%
Basic Materials
5.6%
Utilities
3.9%
Energy
3.4%
Real Estate
2.7%
All changes are between Jan'25 and Mar'25
- This fund’s returns stands at 6.24% whereas the fund’s underlying benchmark Nifty 500 returns stands at 7.25% as on Mar'25
- This fund underperformed Nifty 500 by 1.01% in Mar'25
- AUM of the fund stands at 3.6K Cr as of Mar'25
- AUM increased by 206.2 Cr between Mar'25 and Feb'25
Top Stocks bought last month
Tata Steel Ltd's allocation increased from 1.79% to 2.29%
Aster DM Healthcare Ltd Ordinary Shares's allocation increased from 0.68% to 1.02%
Avenue Supermarts Ltd's allocation increased from 2.4% to 2.71%
Top Stocks sold last month
HDFC Bank Ltd's allocation decreased from 9.06 % to 8.97 %
Infosys Ltd's allocation decreased from 5.84 % to 5.12 %
Maruti Suzuki India Ltd's allocation decreased from 2.41 % to 2.19 %
Large Cap allocation has gone down from 70.8% to 69.2%
Small Cap allocation has gone up from 6.6% to 6.7%
Mid Cap allocation has gone up from 19.8% to 20.9%
Cash allocation has gone up from 2.7% to 3.2%
Top 3 Sectors in March were Financial Services, Consumer Cyclical & Tech
Mar'25
Financial Services
33%
Consumer Cyclical
14%
Tech
10%
Feb'25
Financial Services
33%
Consumer Cyclical
14%
Tech
11%
Holdings | Weight% | 1M Change | |
|---|---|---|---|
 HDFC Bank Ltd | 8.97% | -0.5% | |
 ICICI Bank Ltd | 8.8% | -2.1% | |
 Bharti Airtel Ltd | 5.44% | 0% | |
 Infosys Ltd | 5.12% | -0.1% | |
 Axis Bank Ltd | 3.6% | 0% |
See all
Funds | 1Y Returns | 3Y Returns | 5Y Returns | Since Inception |
|---|---|---|---|---|
UTI ELSS Tax Saver Fund Direct Growth | 11.49% | 12.93% | 23.4% | 14.35% |
 DSP ELSS Tax Saver Fund Direct Plan Growth | 18.78% | 19.76% | 29.03% | 18.23% |
 SBI Long Term Equity Fund Direct Growth | 10.8% | 23.95% | 30.59% | 16.63% |
 Mirae Asset ELSS Tax Saver Fund -Direct Plan-Growth | 10.77% | 15.07% | 27.07% | 19.28% |
See all
Top Growth Drivers | 1M Return |
|---|---|
 Avenue Supermarts Ltd | 11.9% |
 HDFC Bank Ltd | 7.7% |
 ICICI Bank Ltd | 4.7% |
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Vishal Chopda
Fund Manager of UTI ELSS Tax Saver Fund Direct Growth, since 30 August 2019
Top funds managed
Fund House
UTI Asset Management Co Ltd
Total Schemes
Total AUM
₹2.21L Cr
as on 31-Mar-2025
Address
PMS Division, UTI - Tower, “Gn” Block, Bandra Kurla Complex, Mumbai- 400051
Phone
+912266786666
Website
pms_care@uti.co.in
Mutual Fund Insights
In the last 5 years, Quant ELSS Tax Saver Growth Option Direct Plan has given 37.19% return, outperforming this fund by 13.79% per annum.
Over the last 6 months, this fund has experienced a 14.1% drop in AUM moving from 4.18K Cr to 3.59K Cr.
In the last 3 years, SBI Long Term Equity Fund Direct Growth has given 23.95% return, outperforming this fund by 11.02% per annum.
In the last 1 year, DSP ELSS Tax Saver Fund Direct Plan Growth has given 18.78% return, outperforming this fund by 7.29%.
This fund expense ratio is slightly on the lower side within the category (elss (tax savings)). Its expense ratio is 0.92% which is lower than the category average expense ratio of 1.29%.
Over the last 15 months, this fund has increased expense ratio by 8.2% moving from 0.85 to 0.92.
UTI ELSS Tax Saver Fund Direct Growth Highlights
Very High Risk
Investors understand that their principal will be at Very High Risk
About the fund
This fund has delivered an average annual returns of 14.35% since inception which is less than its category average return of 14.91%
Fund Allocations
This fund has an allocation of 96.77% in Equity, 0% in Debt and 3.23% in Cash related instruments
AUM size ₹3593 Cr
This fund has AUM of ₹3593 Cr which is less than its category average of ₹ 4910 Cr
Expense Ratio 0.92%
This fund has an expense ratio of 0.92% which is less than its category average expense ratio of 1.4%
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5Y CAGR
▲ 30.62
5Y CAGR
▲ 28.22
5Y CAGR
▲ 23.36
Frequently Asked Questions for UTI ELSS Tax Saver Fund Direct Growth
The current NAV of UTI ELSS Tax Saver Fund Direct Growth is ₹220.27 as on 22-Apr-2025.
Existing (Absolute + CAGR) as on 22-Apr-2025.
UTI ELSS Tax Saver Fund Direct Growth | Absolute Returns | CAGR Returns |
1 Month Returns | 3.71% | 3.71% |
6 Month Returns | -5.92% | -5.92% |
1 Year Returns | 11.49% | 11.49% |
3 Years Returns | 44.03% | 12.93% |
With INDmoney, the process of investing is very simple and involves zero commission.
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0.92% as on March 2025
₹3593 Cr as on March 2025
HDFC Bank Ltd(8.97%), ICICI Bank Ltd(8.8%), Bharti Airtel Ltd(5.44%), Infosys Ltd(5.12%), Axis Bank Ltd(3.6%) as on March 2025
Financial Services(31.68%), Consumer Cyclical(13.57%), Tech(9.52%) as on March 2025
The alpha ratio for the UTI ELSS Tax Saver Fund Direct Growth for various period is as follows:
Fund Name | Alpha 1 Year | Alpha 3 Years | Alpha 5 Years |
UTI ELSS Tax Saver Fund Direct Growth | 2.5 | -1.41 | -0.62 |
As on March 2025
The alpha for UTI ELSS Tax Saver Fund Direct Growth is calculated against Nifty 500 TR INR. Higher alpha indicates that this fund has generated extra returns compared to the benchmark index. An alpha of 1.0 means the fund has outperformed its benchmark index by 1%.
The Beta ratio for the UTI ELSS Tax Saver Fund Direct Growth for various period is as follows:
Fund Name | Beta 1 Year | Beta 3 Years | Beta 5 Years |
UTI ELSS Tax Saver Fund Direct Growth | 1.02 | 0.94 | 0.94 |
As on March 2025
The Beta for UTI ELSS Tax Saver Fund Direct Growth is calculated with Nifty 500 TR INR. Beta tells the volatility of the mutual fund relative to its benchmark. If the beta of a mutual fund is more than 1, then the mutual fund is more volatile than its benchmark. If beta is less than 1, then the mutual fund is less volatile than the benchmark.
The sharpe ratio for the UTI ELSS Tax Saver Fund Direct Growth for various period is as follows:
Fund Name | Sharpe Ratio 1 Year | Sharpe Ratio 3 Years | Sharpe Ratio 5 Years |
UTI ELSS Tax Saver Fund Direct Growth | 0.19 | 0.41 | 1.15 |
As on March 2025
The sharpe ratio for UTI ELSS Tax Saver Fund Direct Growth is calculated with Nifty 500 TR INR. Sharpe ratio tells risk-adjusted-returns of the mutual fund. The higher a fund's Sharpe ratio, the better a fund's returns have been relative to the risk it has taken on.
The standard deviation for the UTI ELSS Tax Saver Fund Direct Growth for various period is as follows:
Fund Name | Standard Deviation 1 Year | Standard Deviation 3 Years | Standard Deviation 5 Years |
UTI ELSS Tax Saver Fund Direct Growth | 17.21 | 14.47 | 15.31 |
As on March 2025
Standard deviation tells the volatility of the returns of the mutual fund. The higher a fund's Standard deviation, the higher the volatility of the fund's returns.
Sortino ratio is 0.66 as on March 2025. Sortino ratio tells the downside risk-adjusted-returns of the mutual fund.
Vishal Chopda is the fund manager of UTI ELSS Tax Saver Fund Direct Growth
The Exit load of UTI ELSS Tax Saver Fund Direct Growth is 0%