About UTI - Equity Savings Fund
UTI - Equity Savings Fund is a equity savings fund managed by UTI Mutual Fund. Combine equity, arbitrage and debt, with at least 65% in equity including arbitrage positions.
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.
The scheme's stated objective, as published by UTI Mutual Fund.
The NAV (net asset value) is the price of one unit of the fund. It is published by the fund house every business day and changes with the value of the fund's holdings. The Growth option reinvests all gains, so its NAV reflects the fund's total return.
Tax on your gains
How gains are taxed depends on how much equity the scheme holds. At 65% equity or more it follows equity rules — 12.5% on long-term gains above ₹1.25 lakh; below that, gains are usually taxed at your slab rate. The scheme document states which applies.
Work out what you would owe with the capital gains tax calculator.
Every plan and option, with scheme codes
| Plan | Option | NAV | Scheme code |
|---|---|---|---|
| Direct | Growth | ₹20.6595 | 144490 |
| Direct | IDCW | ₹20.6595 | 144491 |
| Direct | Monthly IDCW | ₹20.6607 | 144489 |
| Direct | Quarterly IDCW | ₹20.4537 | 144488 |
| Regular | Growth | ₹19.1669 | 144484 |
| Regular | IDCW | ₹19.1669 | 144485 |
| Regular | Monthly IDCW | ₹19.167 | 144486 |
| Regular | Quarterly IDCW | ₹18.9611 | 144487 |
Frequently asked questions
What is the NAV of UTI - Equity Savings Fund today?
The NAV of UTI - Equity Savings Fund (Direct plan, Growth) is ₹20.6595 and the Regular plan NAV is ₹19.1669, as of 13 Nov 2026.
What returns has UTI - Equity Savings Fund given?
Over the last year the Direct plan returned 3.16%, and 8.75% a year over 3 years and 8.61% a year over 5 years. That places it 13 of 20 funds in its category over 3 years. Past returns do not guarantee future returns.
What is the expense ratio of UTI - Equity Savings Fund?
The Direct plan charges 1.04% a year, as disclosed on 30 Sept 2026. The fee is already taken out of the NAV, so the returns above are what you keep.
What is the minimum SIP amount in UTI - Equity Savings Fund?
You can start a monthly SIP with ₹500, or invest a lump sum of ₹5,000 or more.
How much has UTI - Equity Savings Fund fallen in the past?
Its deepest fall was 13.8% from 24 Jan 2020 to 23 Mar 2020. Of every one-year stretch in its history, 96% ended in a gain.
Which category does UTI - Equity Savings Fund belong to?
It is a Equity Savings Fund from UTI Mutual Fund. Combine equity, arbitrage and debt, with at least 65% in equity including arbitrage positions.
What is the difference between the Direct and Regular plan?
Both invest in the same portfolio. The Direct plan is bought straight from the fund house or a direct platform and has a lower expense ratio because no distributor commission is paid, so its NAV grows slightly faster over time.
How are gains from UTI - Equity Savings Fund taxed?
How gains are taxed depends on how much equity the scheme holds. At 65% equity or more it follows equity rules — 12.5% on long-term gains above ₹1.25 lakh; below that, gains are usually taxed at your slab rate. The scheme document states which applies.
Source: NAVs published by the fund house through AMFI. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Past performance does not guarantee future returns. This page is for information only and is not a recommendation to buy or sell.