UTI Equity Savings Fund Direct Growth

UTI Equity Savings Fund Direct Growth

NAV as on 31-03-2025

₹ 18.77

-0.1%

1D

Inception Returns

10%

/yr

Historical NAV & Returns

Absolute

zero opening, trading, fund transfer fee
108 people have invested ₹ 1.2Cr in UTI Equity Savings Fund Direct Growth in the last three months

About UTI Equity Savings Fund Direct Growth

UTI Equity Savings Fund Direct Growth is a hybrid fund. This fund was started on 30 August, 2018. The fund is managed by Sunil Patil, V Srivatsa. This fund gives you the benefit of diversification.

Key Parameters

  1. UTI Equity Savings Fund Direct Growth has ₹641 Cr worth of assets under management (AUM) as on Feb 2025 and is less than category average.
  2. The fund has an expense ratio 0.6.

Returns

UTI Equity Savings Fund Direct Growth has given a CAGR return of 10.04% since inception. Over the last 1, 3 and 5 years the fund has given a CAGR return of 8.03%, 11.36% and 14.63% respectively.

Holdings

UTI Equity Savings Fund Direct Growth has allocated its funds majorly in Cash Equivalent, Financial Services, Government, Consumer Cyclical, Basic Materials, Tech, Energy, Communication, Utilities, Industrial, Health, Consumer Defensive, Real Estate.

Taxation

As it is a equity savings mutual fund the taxation is as follows:
If the fund is equity oriented i.e. asset allocation of more than 65% in equity instruments:
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 benefit
Long term gains up to Rs 1 lakh are exempt from taxation (more than 12 months).

Investment objective of UTI Equity Savings Fund Direct Growth

The investment objective of the Scheme is to provide capital appreciation and income distribution to the investors using arbitrage opportunities, investment in equity / equity related instruments and debt / money market instruments. However, there is no assurance or guarantee that the investment objective of the Scheme would be achieved.

Minimum Investment and lockin period

Minimum investment for lump sum payment is INR 5000.00 and for SIP is INR 500.00. UTI Equity Savings Fund Direct Growth has no lock in period.

UTI Equity Savings Fund Direct Growth Overview

Expense ratio0.6%
Benchmark
Crisil Equity Savings Index TR INR
AUM₹641 Cr
Inception Date30 August, 2018
Min Lumpsum/SIP₹5000/₹500
Exit Load
1.0%
Lock InNo Lock-in
TurnOver
64.37%
STCGSelling mutual fund before 1 year, returns taxed at 20%.
LTCGAfter 1 year, 12.5% tax on returns over ₹1.25 lakh/year.
Risk
Risk meter
pointer
Moderate Risk

INDmoney Rank for UTI Equity Savings Fund Direct Growth

Powered by IND quant engine
3
/13
21% Performance
97% Risk Management
72% Cost
3 out of 13 among equity savings

Trailing Returns

as on (31-Mar-25)

Period
UTI Equity Savings Fund Direct Growth
Equity Savings Index
1M
2.4%
1.4%
3M
1.1%
-1.9%
6M
-0.2%
-2.7%
1Y
8%
5.9%
3Y
11.4%
8.5%
5Y
14.6%
12.2%

Fund Distribution

as on (28-Feb-25)

  • Equity 31.4%

  • Debt & Cash 68.6%

Large cap
63.4%

Mid cap
3.9%

Sector Allocation

Feb'25

Jan'25

Dec'24

Financial Services
36.8%
Consumer Cyclical
14.3%
Basic Materials
12.5%
Tech
11.6%
Energy
5.4%
Communication
5.2%
Utilities
3.5%
Industrial
3.4%
Health
3.4%
Consumer Defensive
3%
Real Estate
0.8%
All changes are between Oct'69 and Dec'69
Parameters
Feb'25
Jan'25
Dec'24
AUM
₹ 640.8 Cr
₹ 649.9 Cr
₹ 659.1 Cr
  • AUM of the fund stands at 640.8 Cr as of Feb'25
  • AUM decreased by 9.1 Cr between Feb'25 and Jan'25
Top Stocks bought last month
Dr Reddy's Laboratories Ltd's allocation increased from 0.66% to 0.81%
Dr Reddy's Laboratories Ltd's allocation increased from 0.66% to 0.81%
Coal India Ltd's allocation increased from 0.22% to 0.31%
Coal India Ltd's allocation increased from 0.22% to 0.31%
HCL Technologies Ltd's allocation increased from 2% to 2.07%
HCL Technologies Ltd's allocation increased from 2% to 2.07%
Top Stocks sold last month
HDFC Bank Ltd's allocation decreased from 5.88 % to 5.65 %
HDFC Bank Ltd's allocation decreased from 5.88 % to 5.65 %
Infosys Ltd's allocation decreased from 4.87 % to 4.86 %
Infosys Ltd's allocation decreased from 4.87 % to 4.86 %
Kotak Mahindra Bank Ltd's allocation decreased from 4.15 % to 4.09 %
Kotak Mahindra Bank Ltd's allocation decreased from 4.15 % to 4.09 %

Top 3 Sectors in February were Government, Financial Services & Consumer Cyclical

Feb'25
Financial Services
37%
Government
36%
Consumer Cyclical
14%
Jan'25
Government
37%
Financial Services
35%
Consumer Cyclical
15%
Fund
Feb'25
Jan'25
Dec'24
No of Holdings
87
89
92
Top 5 Company Concentration
22.5%
23.5%
22.4%
Company having highest exposure
HDFC Bank Ltd (5.9%)
HDFC Bank Ltd (5.7%)
HDFC Bank Ltd (5.6%)
No of Sectors
12
12
12
Top 5 Sectors Concentration
111.6%
111.6%
107.6%
Sector having highest exposure
Financial Services (36.8%)
Government (36.6%)
Financial Services (35.9%)
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Sunil Patil
Sunil Patil
Fund Manager of UTI Equity Savings Fund Direct Growth, since 30 August 2018
V Srivatsa
V Srivatsa
Fund Manager of UTI Equity Savings Fund Direct Growth, since 30 August 2018
Fund House
UTI Asset Management Co Ltd
Total Schemes
Total AUM
₹2.35L Cr
as on 28-Feb-2025
Address
PMS Division, UTI - Tower, “Gn” Block, Bandra Kurla Complex, Mumbai- 400051
Phone
+912266786666
Website
pms_care@uti.co.in

Mutual Fund Insights

Insights icon
This fund has one of the lowest expense ratio in the category (equity savings). Its expense ratio is 0.6% which is lower than the category average expense ratio of 1.07%.
Insights icon
Over the last 6 months, this fund has experienced a 27.4% growth in AUM moving from 503.12 Cr to 640.83 Cr.
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In the last 5 years, Sundaram Equity Savings - Direct Plan - Growth Option has given 16.91% return, outperforming this fund by 2.28% per annum.
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In the last 1 year, DSP Equity Savings Fund Direct Plan Growth has given 11.79% return, outperforming this fund by 3.76%.
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In the last 3 years, Sundaram Equity Savings - Direct Plan - Growth Option has given 12.17% return, outperforming this fund by 0.82% per annum.
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Over the last 3 months, this fund has decreased expense ratio by 13.0% moving from 0.69 to 0.60.

UTI Equity Savings Fund Direct Growth Highlights

Risk meter
pointer

Moderate Risk

Investors understand that their principal will be at Moderate Risk
About the fund

About the fund

This fund has delivered an average annual returns of 10.04% since inception which is more than its category average return of 7.99%
Fund Allocations

Fund Allocations

This fund has an allocation of 31.36% in Equity, 25% in Debt and 43.64% in Cash related instruments
AUM size ₹641 Cr

AUM size ₹641 Cr

This fund has AUM of ₹641 Cr which is less than its category average of ₹ 1639 Cr
Expense Ratio 0.6%

Expense Ratio 0.6%

This fund has an expense ratio of 0.6% which is less than its category average expense ratio of 1.16%

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Frequently Asked Questions for UTI Equity Savings Fund Direct Growth

The current NAV of UTI Equity Savings Fund Direct Growth is ₹18.77 as on 31-Mar-2025.
Existing (Absolute + CAGR) as on 31-Mar-2025.
UTI Equity Savings Fund Direct Growth
Absolute Returns
CAGR Returns
1 Month Returns
2.37%
2.37%
6 Month Returns
-0.25%
-0.25%
1 Year Returns
8.03%
8.03%
3 Years Returns
38.09%
11.36%
5 Years Returns
97.88%
14.63%
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  • Select your bank account and proceed with Payment.
0.6% as on March 2025
₹641 Cr as on March 2025
7.32% Govt Stock 2030(10.44%), 7.04% Govt Stock 2029(7.39%), HDFC Bank Ltd(5.92%), Kotak Mahindra Bank Ltd(4.49%), Infosys Ltd(4.32%) as on March 2025
Cash Equivalent(43.64%), Government(25%), Financial Services(11.54%) as on March 2025
AAA
100
Sunil Patil, V Srivatsa are the fund managers of UTI Equity Savings Fund Direct Growth
The Exit load of UTI Equity Savings Fund Direct Growth is 1%