Previously Known As : Uti Long Term Equity Fund (Tax Saving)
Uti Elss Tax Saver Fund Datagrid
Category ELSS (Tax Saving) Fund
BMSMONEY Rank 32
Rating
Growth Option 12-11-2025
NAV ₹210.04(R) +0.51% ₹235.83(D) +0.51%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 4.35% 13.03% 16.21% 14.61% 12.82%
Direct 5.38% 14.17% 17.37% 15.73% 13.91%
Nifty 500 TRI 7.84% 16.15% 19.39% 16.41% 15.09%
SIP (XIRR) Regular 10.47% 12.51% 12.44% 14.74% 13.6%
Direct 11.56% 13.66% 13.58% 15.9% 14.7%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
0.5 0.25 0.45 -3.11% 0.07
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
12.9% -16.35% -18.07% 0.94 9.21%
Fund AUM As on: 30/06/2025 3719 Cr
Top ELSS (Tax Saving) Fund
Fund Name Rank Rating
Hdfc Taxsaver 1
Whiteoak Capital Elss Tax Saver Fund 2
Sbi Long Term Equity Fund 3
Mirae Asset ELSS Tax Saver Fund 4
ITI ELSS Tax Saver Fund 5
ICICI Prudential ELSS Tax Saver Fund 6
Parag Parikh ELSS Tax Saver Fund 7
JM ELSS Tax Saver Fund 8

NAV Date: 12-11-2025

Scheme Name NAV Rupee Change Percent Change
UTI ELSS Tax Saver Fund - Regular Plan - IDCW 40.13
0.2000
0.5100%
UTI ELSS Tax Saver Fund - Direct Plan - IDCW 55.58
0.2800
0.5100%
UTI ELSS Tax Saver Fund - Regular Plan - Growth Option 210.04
1.0600
0.5100%
UTI ELSS Tax Saver Fund - Direct Plan - Growth Option 235.83
1.2000
0.5100%

Review Date: 12-11-2025

Beginning of Analysis

In the ELSS (Tax Saving) Fund category, UTI ELSS Tax Saver Fund is the 32nd ranked fund. The category has total 35 funds. The UTI ELSS Tax Saver Fund has shown a very poor past performence in ELSS (Tax Saving) Fund. The fund has a Jensen Alpha of -3.11% which is lower than the category average of 1.0%, showing poor performance. The fund has a Sharpe Ratio of 0.5 which is lower than the category average of 0.78.
The past performance of the fund may or may not be sustained in the future. The review is not investment advice nor is it a recommendation to buy or sell funds. The ranking is based on proprietary methodology developed by bmsmoney. The methodology is based on the past performance of the funds and does not guarantee future performance.
ELSS (Tax Saving) Mutual Funds are ideal for taxpayers seeking to save taxes under Section 80C while aiming for long-term wealth creation through equity investments. These funds offer a tax deduction of up to ₹1.5 lakh per financial year and have the shortest lock-in period of 3 years among all Section 80C options. However, being equity-oriented, they are subject to market risks and do not offer guaranteed returns. Investors should have a long-term investment horizon and a moderate to high risk tolerance to invest in ELSS funds. Additionally, the tax implications of long-term capital gains should be considered.

UTI ELSS Tax Saver Fund Return Analysis

The UTI ELSS Tax Saver Fund has delivered a mixed performance across various time horizons, showcasing both strengths and challenges when compared to its ELSS (Tax Saving) Fund peers and the Nifty 500 TRI benchmark. This analysis examines the fund’s returns over periods ranging from one month to ten years, alongside its Systematic Investment Plan (SIP) performance, highlighting its rankings within the ELSS (Tax Saving) Fund category and its ability to outperform or underperform the benchmark and category averages.

  • The fund has given a return of 1.81%, 5.28 and 5.6 in last one, three and six months respectively. In the same period the category average return was 1.79%, 4.76% and 7.03% respectively.
  • UTI ELSS Tax Saver Fund has given a return of 5.38% in last one year. In the same period the Nifty 500 TRI return was 7.84%. The fund has given 2.46% less return than the benchmark return.
  • The fund has given a return of 14.17% in last three years and rank 34th out of 36 funds in the category. In the same period the Nifty 500 TRI return was 16.15%. The fund has given 1.98% less return than the benchmark return.
  • UTI ELSS Tax Saver Fund has given a return of 17.37% in last five years and category average returns is 20.29% in same period. The fund ranked 28th out of 33 funds in the category. In the same period the Nifty 500 TRI return was 19.39%. The fund has given 2.02% less return than the benchmark return.
  • The fund has given a return of 13.91% in last ten years and ranked 20th out of 25 funds in the category. In the same period the Nifty 500 TRI return was 15.09%. The fund has given 1.18% less return than the benchmark return.
  • The fund has given a SIP return of 11.56% in last one year whereas category average SIP return is 12.82%. The fund one year return rank in the category is 28th in 41 funds
  • The fund has SIP return of 13.66% in last three years and ranks 32nd in 36 funds. Motilal Oswal ELSS Tax Saver Fund has given the highest SIP return (22.92%) in the category in last three years.
  • The fund has SIP return of 13.58% in last five years whereas category average SIP return is 16.67%.

UTI ELSS Tax Saver Fund Risk Analysis

  • The fund has a standard deviation of 12.9 and semi deviation of 9.21. The category average standard deviation is 13.0 and semi deviation is 9.54.
  • The fund has a Value at Risk (VaR) of -16.35 and a maximum drawdown of -18.07. The category average VaR is -16.63 and the maximum drawdown is -17.35. The fund has a beta of 0.93 which shows that fund is less volatile than the benchmark.

Standard deviation measures the fund's return volatility and Semi deviation focuses on downside volatility. Value at Risk (VaR) is a measure of the risk of investments. Maximum Drawdown is the maximum loss from a peak to a trough of a portfolio. Beta measures the volatility of the fund compared to the benchmark. A beta of 1 indicates that the fund will move in line with the benchmark. A beta of more than 1 indicates that the fund will be more volatile than the benchmark and vice versa.


  • Very Good Performance in ELSS (Tax Saving) Fund Category
  • Good Performance in ELSS (Tax Saving) Fund Category
  • Poor Performance in ELSS (Tax Saving) Fund Category
  • Very Poor Performance in ELSS (Tax Saving) Fund Category

    • Investors beware: Mutual Fund investments are subject to market risks. Please read the scheme related documents carefully.

    Data Source: www.amfiindia.com

    SEBI Categorization


    KPIs* Fund Nifty 500 TRI Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % 1.73 2.44
    1.67
    		-0.99 | 4.21 23 | 40 Average
    3M Return % 5.02 5.83
    4.42
    		-1.26 | 7.50 19 | 40 Good
    6M Return % 5.08 7.48
    6.40
    		1.65 | 9.69 32 | 40 Poor
    1Y Return % 4.35 7.84
    4.67
    		-9.31 | 10.20 26 | 40 Average
    3Y Return % 13.03 16.15
    16.48
    		10.60 | 24.50 32 | 36 Poor
    5Y Return % 16.21 19.39
    18.94
    		12.47 | 25.95 28 | 33 Poor
    7Y Return % 14.61 16.41
    15.88
    		11.24 | 22.85 21 | 30 Average
    10Y Return % 12.82 15.09
    14.43
    		11.61 | 20.79 19 | 24 Poor
    15Y Return % 11.02 12.19
    12.63
    		10.70 | 14.43 18 | 20 Poor
    1Y SIP Return % 10.47
    11.49
    		0.15 | 18.15 27 | 40 Average
    3Y SIP Return % 12.51
    15.11
    		8.43 | 21.42 31 | 36 Poor
    5Y SIP Return % 12.44
    15.37
    		9.90 | 21.17 30 | 33 Poor
    7Y SIP Return % 14.74
    17.00
    		12.80 | 23.01 25 | 30 Poor
    10Y SIP Return % 13.60
    15.56
    		11.65 | 21.23 21 | 24 Poor
    15Y SIP Return % 13.19
    15.05
    		12.85 | 19.56 19 | 21 Poor
    Standard Deviation 12.90
    13.00
    		9.37 | 18.83 20 | 36 Average
    Semi Deviation 9.21
    9.54
    		6.79 | 14.82 16 | 36 Good
    Max Drawdown % -18.07
    -17.35
    		-25.67 | -9.56 25 | 36 Average
    VaR 1 Y % -16.35
    -16.63
    		-24.68 | -10.74 20 | 36 Average
    Average Drawdown % -7.63
    -6.96
    		-10.68 | -3.86 25 | 36 Average
    Sharpe Ratio 0.50
    0.78
    		0.29 | 1.31 34 | 36 Poor
    Sterling Ratio 0.45
    0.61
    		0.31 | 0.92 33 | 36 Poor
    Sortino Ratio 0.25
    0.38
    		0.14 | 0.70 34 | 36 Poor
    Jensen Alpha % -3.11
    1.00
    		-6.41 | 7.37 33 | 36 Poor
    Treynor Ratio 0.07
    0.11
    		0.04 | 0.18 34 | 36 Poor
    Modigliani Square Measure % 12.77
    16.70
    		9.06 | 24.77 33 | 36 Poor
    Alpha % -3.86
    0.05
    		-5.79 | 8.61 33 | 36 Poor
    Return data last Updated On : Nov. 12, 2025.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Oct. 31, 2025
    KPIs: Key Performance Indicators

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    KPIs* Fund Nifty 500 TRI Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % 1.81 2.44 1.79 -0.88 | 4.37 24 | 41 Average
    3M Return % 5.28 5.83 4.76 -0.81 | 7.86 20 | 41 Good
    6M Return % 5.60 7.48 7.03 2.50 | 10.41 34 | 41 Poor
    1Y Return % 5.38 7.84 5.91 -8.10 | 11.26 27 | 41 Average
    3Y Return % 14.17 16.15 17.77 12.45 | 25.99 34 | 36 Poor
    5Y Return % 17.37 19.39 20.29 14.26 | 27.81 28 | 33 Poor
    7Y Return % 15.73 16.41 17.14 12.18 | 24.65 21 | 30 Average
    10Y Return % 13.91 15.09 15.49 12.50 | 22.11 20 | 25 Average
    1Y SIP Return % 11.56 12.82 1.50 | 19.28 28 | 41 Average
    3Y SIP Return % 13.66 16.40 10.26 | 22.92 32 | 36 Poor
    5Y SIP Return % 13.58 16.67 11.78 | 22.65 31 | 33 Poor
    7Y SIP Return % 15.90 18.28 13.69 | 24.87 25 | 30 Poor
    10Y SIP Return % 14.70 16.61 12.59 | 22.81 20 | 25 Average
    Standard Deviation 12.90 13.00 9.37 | 18.83 20 | 36 Average
    Semi Deviation 9.21 9.54 6.79 | 14.82 16 | 36 Good
    Max Drawdown % -18.07 -17.35 -25.67 | -9.56 25 | 36 Average
    VaR 1 Y % -16.35 -16.63 -24.68 | -10.74 20 | 36 Average
    Average Drawdown % -7.63 -6.96 -10.68 | -3.86 25 | 36 Average
    Sharpe Ratio 0.50 0.78 0.29 | 1.31 34 | 36 Poor
    Sterling Ratio 0.45 0.61 0.31 | 0.92 33 | 36 Poor
    Sortino Ratio 0.25 0.38 0.14 | 0.70 34 | 36 Poor
    Jensen Alpha % -3.11 1.00 -6.41 | 7.37 33 | 36 Poor
    Treynor Ratio 0.07 0.11 0.04 | 0.18 34 | 36 Poor
    Modigliani Square Measure % 12.77 16.70 9.06 | 24.77 33 | 36 Poor
    Alpha % -3.86 0.05 -5.79 | 8.61 33 | 36 Poor
    Return data last Updated On : Nov. 12, 2025.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Oct. 31, 2025
    KPIs: Key Performance Indicators

    Disclaimer: Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments. Returns for periods above 1 year are annualised.


    Date Uti Elss Tax Saver Fund NAV Regular Growth Uti Elss Tax Saver Fund NAV Direct Growth
    12-11-2025 210.0401 235.8292
    11-11-2025 208.9795 234.6322
    10-11-2025 208.4386 234.0186
    07-11-2025 207.5264 232.9759
    06-11-2025 207.7035 233.1686
    04-11-2025 209.0975 234.7209
    03-11-2025 209.7776 235.4782
    31-10-2025 208.8436 234.411
    30-10-2025 210.5442 236.3136
    29-10-2025 211.8561 237.7797
    28-10-2025 210.9537 236.7605
    27-10-2025 211.3595 237.2098
    24-10-2025 210.2991 236.0008
    23-10-2025 211.0324 236.8174
    20-10-2025 210.0445 235.6901
    17-10-2025 209.4251 234.9763
    16-10-2025 209.1988 234.7161
    15-10-2025 207.1828 232.448
    14-10-2025 205.5166 230.5726
    13-10-2025 206.4682 231.634

    Fund Launch Date: 15/Nov/1999
    Fund Category: ELSS (Tax Saving) Fund
    Investment Objective: The funds collected under the scheme shall be invested in equities, fully convertible debentures/bonds and warrants of companies. Investment may also be made in issues of partly convertible debentures/bonds including those issued on rights basis subject to the condition that, as far as possible, the non-convertible portion of the debentures/bonds so acquired or subscribed shall be disinvested within a period of twelve months from their acquisition.
    Fund Description: An open ended equity linked saving scheme with a statutory lock in of 3 years and tax benefit
    Fund Benchmark: S&P BSE 200
    Source: Fund FactSheet

    Disclaimer: NO INVESTMENT ADVICE. The Content is for informational purposes only.