Previously Known As : Uti Long Term Equity Fund (Tax Saving)
Uti Elss Tax Saver Fund Datagrid
Category ELSS (Tax Saving) Fund
BMSMONEY Rank 29
Rating
Growth Option 27-01-2026
NAV ₹202.37(R) +0.25% ₹227.68(D) +0.26%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 7.68% 14.0% 12.62% 14.04% 12.86%
Direct 8.74% 15.15% 13.75% 15.16% 13.94%
Nifty 500 TRI 10.21% 16.44% 15.78% 15.65% 15.12%
SIP (XIRR) Regular 1.56% 8.29% 9.91% 12.51% 12.3%
Direct 2.57% 9.41% 11.04% 13.66% 13.4%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
0.61 0.3 0.49 -2.29% 0.08
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
12.71% -16.35% -18.07% 0.96 9.13%
Fund AUM As on: 30/12/2025 3769 Cr
Top ELSS (Tax Saving) Fund
Fund Name Rank Rating
Hdfc Taxsaver 1
Sbi Long Term Equity Fund 2
DSP ELSS Tax Saver Fund 3
Mirae Asset ELSS Tax Saver Fund 4
Baroda BNP Paribas ELSS Tax Saver Fund 5
Whiteoak Capital Elss Tax Saver Fund 6
ICICI Prudential ELSS Tax Saver Fund 7
Edelweiss ELSS Tax saver Fund 8

NAV Date: 27-01-2026

Scheme Name NAV Rupee Change Percent Change
UTI ELSS Tax Saver Fund - Regular Plan - IDCW 38.66
0.1000
0.2500%
UTI ELSS Tax Saver Fund - Direct Plan - IDCW 53.66
0.1400
0.2600%
UTI ELSS Tax Saver Fund - Regular Plan - Growth Option 202.37
0.5000
0.2500%
UTI ELSS Tax Saver Fund - Direct Plan - Growth Option 227.68
0.5900
0.2600%

Review Date: 27-01-2026

Beginning of Analysis

UTI ELSS Tax Saver Fund is the 32nd ranked fund in the ELSS (Tax Saving) Fund category. 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 -2.29% which is lower than the category average of 0.61%, showing poor performance. The fund has a Sharpe Ratio of 0.61 which is lower than the category average of 0.8.
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 -3.19%, -4.02 and 0.19 in last one, three and six months respectively. In the same period the category average return was -3.79%, -4.95% and -1.2% respectively.
  • UTI ELSS Tax Saver Fund has given a return of 8.74% in last one year. In the same period the Nifty 500 TRI return was 10.21%. The fund has given 1.47% less return than the benchmark return.
  • The fund has given a return of 15.15% in last three years and rank 31st out of 37 funds in the category. In the same period the Nifty 500 TRI return was 16.44%. The fund has given 1.29% less return than the benchmark return.
  • UTI ELSS Tax Saver Fund has given a return of 13.75% in last five years and category average returns is 16.5% in same period. The fund ranked 29th out of 32 funds in the category. In the same period the Nifty 500 TRI return was 15.78%. The fund has given 2.03% less return than the benchmark return.
  • The fund has given a return of 13.94% in last ten years and ranked 21st out of 27 funds in the category. In the same period the Nifty 500 TRI return was 15.12%. The fund has given 1.18% less return than the benchmark return.
  • The fund has given a SIP return of 2.57% in last one year whereas category average SIP return is 1.5%. The fund one year return rank in the category is 19th in 40 funds
  • The fund has SIP return of 9.41% in last three years and ranks 26th in 37 funds. Hdfc Taxsaver has given the highest SIP return (15.45%) in the category in last three years.
  • The fund has SIP return of 11.04% in last five years whereas category average SIP return is 13.35%.

UTI ELSS Tax Saver Fund Risk Analysis

  • The fund has a standard deviation of 12.71 and semi deviation of 9.13. The category average standard deviation is 13.02 and semi deviation is 9.55.
  • The fund has a Value at Risk (VaR) of -16.35 and a maximum drawdown of -18.07. The category average VaR is -16.78 and the maximum drawdown is -17.65. 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 % -3.26 -3.60
    -3.88
    		-7.16 | -1.99 13 | 39 Good
    3M Return % -4.25 -4.19
    -5.25
    		-11.47 | -1.62 15 | 39 Good
    6M Return % -0.29 0.24
    -1.80
    		-9.66 | 3.65 13 | 39 Good
    1Y Return % 7.68 10.21
    7.05
    		-2.60 | 13.36 19 | 39 Good
    3Y Return % 14.00 16.44
    16.01
    		6.04 | 23.28 30 | 37 Average
    5Y Return % 12.62 15.78
    15.19
    		10.02 | 20.64 27 | 32 Poor
    7Y Return % 14.04 15.65
    15.14
    		10.55 | 22.05 18 | 29 Average
    10Y Return % 12.86 15.12
    14.33
    		11.41 | 19.66 21 | 26 Average
    15Y Return % 11.48 12.65
    13.15
    		11.23 | 15.12 16 | 19 Poor
    1Y SIP Return % 1.56
    0.26
    		-9.95 | 8.17 17 | 39 Good
    3Y SIP Return % 8.29
    9.23
    		-2.80 | 14.72 28 | 37 Average
    5Y SIP Return % 9.91
    12.06
    		7.39 | 18.21 27 | 32 Poor
    7Y SIP Return % 12.51
    14.39
    		10.47 | 19.37 21 | 29 Average
    10Y SIP Return % 12.30
    13.89
    		10.48 | 18.92 20 | 26 Average
    15Y SIP Return % 12.52
    14.27
    		12.23 | 18.50 16 | 20 Poor
    Standard Deviation 12.71
    13.02
    		9.06 | 19.00 20 | 38 Good
    Semi Deviation 9.13
    9.55
    		6.49 | 14.84 18 | 38 Good
    Max Drawdown % -18.07
    -17.65
    		-28.24 | -9.56 26 | 38 Average
    VaR 1 Y % -16.35
    -16.78
    		-24.68 | -8.66 18 | 38 Good
    Average Drawdown % -6.98
    -6.26
    		-10.28 | -3.31 27 | 38 Average
    Sharpe Ratio 0.61
    0.80
    		0.14 | 1.34 32 | 38 Poor
    Sterling Ratio 0.49
    0.61
    		0.22 | 0.93 32 | 38 Poor
    Sortino Ratio 0.30
    0.40
    		0.09 | 0.75 32 | 38 Poor
    Jensen Alpha % -2.29
    0.61
    		-9.13 | 7.26 31 | 38 Poor
    Treynor Ratio 0.08
    0.11
    		0.02 | 0.18 32 | 38 Poor
    Modigliani Square Measure % 13.98
    16.56
    		6.29 | 24.80 31 | 38 Poor
    Alpha % -2.74
    -0.07
    		-7.94 | 8.92 32 | 38 Poor
    Return data last Updated On : Jan. 27, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Dec. 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 % -3.19 -3.60 -3.79 -7.03 | -1.94 13 | 40 Good
    3M Return % -4.02 -4.19 -4.95 -11.20 | -1.38 17 | 40 Good
    6M Return % 0.19 0.24 -1.20 -9.01 | 4.51 14 | 40 Good
    1Y Return % 8.74 10.21 8.32 -1.26 | 14.17 22 | 40 Average
    3Y Return % 15.15 16.44 17.29 7.56 | 24.11 31 | 37 Poor
    5Y Return % 13.75 15.78 16.50 10.88 | 21.82 29 | 32 Poor
    7Y Return % 15.16 15.65 16.39 11.49 | 23.85 20 | 29 Average
    10Y Return % 13.94 15.12 15.46 12.51 | 20.99 21 | 27 Average
    1Y SIP Return % 2.57 1.50 -8.59 | 9.99 19 | 40 Good
    3Y SIP Return % 9.41 10.49 -1.34 | 15.45 26 | 37 Average
    5Y SIP Return % 11.04 13.35 9.25 | 19.01 29 | 32 Poor
    7Y SIP Return % 13.66 15.66 11.35 | 20.87 23 | 29 Average
    10Y SIP Return % 13.40 15.03 11.41 | 20.51 21 | 27 Average
    Standard Deviation 12.71 13.02 9.06 | 19.00 20 | 38 Good
    Semi Deviation 9.13 9.55 6.49 | 14.84 18 | 38 Good
    Max Drawdown % -18.07 -17.65 -28.24 | -9.56 26 | 38 Average
    VaR 1 Y % -16.35 -16.78 -24.68 | -8.66 18 | 38 Good
    Average Drawdown % -6.98 -6.26 -10.28 | -3.31 27 | 38 Average
    Sharpe Ratio 0.61 0.80 0.14 | 1.34 32 | 38 Poor
    Sterling Ratio 0.49 0.61 0.22 | 0.93 32 | 38 Poor
    Sortino Ratio 0.30 0.40 0.09 | 0.75 32 | 38 Poor
    Jensen Alpha % -2.29 0.61 -9.13 | 7.26 31 | 38 Poor
    Treynor Ratio 0.08 0.11 0.02 | 0.18 32 | 38 Poor
    Modigliani Square Measure % 13.98 16.56 6.29 | 24.80 31 | 38 Poor
    Alpha % -2.74 -0.07 -7.94 | 8.92 32 | 38 Poor
    Return data last Updated On : Jan. 27, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Dec. 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
    27-01-2026 202.3733 227.6779
    23-01-2026 201.8722 227.0905
    22-01-2026 204.4599 229.9954
    21-01-2026 203.436 228.8376
    20-01-2026 204.3358 229.8437
    19-01-2026 207.5916 233.4997
    16-01-2026 208.0084 233.9498
    14-01-2026 207.2258 233.0573
    13-01-2026 208.0341 233.9601
    12-01-2026 208.1893 234.1284
    09-01-2026 207.9992 233.896
    08-01-2026 209.8519 235.9731
    07-01-2026 211.9949 238.3765
    06-01-2026 212.2374 238.6428
    05-01-2026 212.2076 238.6029
    02-01-2026 212.7867 239.2351
    01-01-2026 211.2108 237.457
    31-12-2025 210.5947 236.758
    30-12-2025 209.1141 235.0872
    29-12-2025 209.2016 235.1793

    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.