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UTI Equity Savings Fund Direct Growth
HybridEquity SavingsModerately High risk
Direct
NAV (20-Feb-26)
₹20.350.09%1D
Returns (Since Inception)
9.97%
Rated ★4.3+ on 
Fund Overview
Fund Size
₹820 Cr
Expense Ratio
0.66%
ISIN
INF789F1A777
Minimum SIP
₹1,000
Exit Load
1.00%
Inception Date
30 Aug 2018
About this fund
UTI Equity Savings Fund Direct Growth is a Equity Savings mutual fund schemes offered by UTI Mutual Fund. This fund has been in existence for 7 years, 5 months and 22 days, having been launched on 30-Aug-18.
As of 20-Feb-26, it has a Net Asset Value (NAV) of ₹20.35, Assets Under Management (AUM) of 819.99 Crores, and an expense ratio of 0.66%.
As of 20-Feb-26, it has a Net Asset Value (NAV) of ₹20.35, Assets Under Management (AUM) of 819.99 Crores, and an expense ratio of 0.66%.
- UTI Equity Savings Fund Direct Growth has given a CAGR return of 9.97% since inception.
- The fund's asset allocation comprises around 41.13% in equities, 21.38% in debts, and 37.49% in cash & cash equivalents.
- You can start investing in UTI Equity Savings Fund Direct Growth with a SIP of ₹1000 or a Lumpsum investment of ₹5000.
Performance against Category Average
In this section, we compare the returns of the scheme with the category average over various periods. Periods for which the fund has outperformed its category average are marked in green, otherwise red.
1 Year
+9.61%
+8.37% (Cat Avg.)
3 Years
+11.86%
+10.19% (Cat Avg.)
5 Years
+10.64%
+8.76% (Cat Avg.)
Since Inception
+9.97%
— (Cat Avg.)
Portfolio Summaryas of 31st January 2026
| Equity | ₹337.3 Cr | 41.13% |
| Debt | ₹175.28 Cr | 21.38% |
| Others | ₹307.41 Cr | 37.49% |
Top Holdings
All Holdings
Equity
Debt & Others
| Name | Type  | Amount | Holdings |
|---|---|---|---|
| Cash Offset For Derivatives | Cash - General Offset | ₹255.72 Cr | 31.19% |
| 7.32% Gs 2030 | Bond - Gov't/Treasury | ₹67.38 Cr | 8.22% |
| 7.04% Gs 2029 | Bond - Gov't/Treasury | ₹47.94 Cr | 5.85% |
| Net Current Assets | Cash | ₹46.36 Cr | 5.65% |
| Axis Bank Ltd | Equity | ₹43.27 Cr | 5.28% |
| 6.01% Gs 2030 | Bond - Gov't/Treasury | ₹39.46 Cr | 4.81% |
| HDFC Bank Ltd | Equity | ₹36.29 Cr | 4.43% |
| AXIS BANK LTD.-24-Feb-2026 | Equity - Future | ₹-33.47 Cr | 4.08% |
| Mahindra & Mahindra Ltd | Equity | ₹31.17 Cr | 3.80% |
| MAHINDRA & MAHINDRA LTD.-24-Feb-2026 | Equity - Future | ₹-27.1 Cr | 3.31% |
| State Bank of India | Equity | ₹26.68 Cr | 3.25% |
| Grasim Industries Ltd | Equity | ₹26.08 Cr | 3.18% |
| Kotak Mahindra Bank Ltd | Equity | ₹24.96 Cr | 3.04% |
| KOTAK MAHINDRA BANK LTD.-24-Feb-2026 | Equity - Future | ₹-23.53 Cr | 2.87% |
| Reliance Industries Ltd | Equity | ₹22.36 Cr | 2.73% |
| HDFC BANK LTD.-24-Feb-2026 | Equity - Future | ₹-20.7 Cr | 2.52% |
| 7.06% Gs 2028 | Bond - Gov't/Treasury | ₹20.5 Cr | 2.50% |
| Larsen & Toubro Ltd | Equity | ₹19.75 Cr | 2.41% |
| GRASIM INDUSTRIES LTD.-24-Feb-2026 | Equity - Future | ₹-19.26 Cr | 2.35% |
| ICICI Bank Ltd | Equity | ₹18 Cr | 2.20% |
| STATE BANK OF INDIA-24-Feb-2026 | Equity - Future | ₹-17.62 Cr | 2.15% |
| Maruti Suzuki India Ltd | Equity | ₹16.52 Cr | 2.02% |
| Tata Consultancy Services Ltd | Equity | ₹15.91 Cr | 1.94% |
| Infosys Ltd | Equity | ₹14.53 Cr | 1.77% |
| HCL Technologies Ltd | Equity | ₹12.88 Cr | 1.57% |
| MARUTI SUZUKI INDIA LTD.-24-Feb-2026 | Equity - Future | ₹-12.76 Cr | 1.56% |
| Power Grid Corp Of India Ltd | Equity | ₹12.14 Cr | 1.48% |
| Embassy Office Parks REIT | Equity - REIT | ₹12.08 Cr | 1.47% |
| JSW STEEL LTD.-24-Feb-2026 | Equity - Future | ₹-12.01 Cr | 1.47% |
| JSW Steel Ltd | Equity | ₹11.97 Cr | 1.46% |
| ITC Ltd | Equity | ₹11.62 Cr | 1.42% |
| IRB InvIT Fund Units 2017-Series IV | Equity | ₹11.55 Cr | 1.41% |
| Brookfield India Real Estate Trust | Equity - REIT | ₹11.05 Cr | 1.35% |
| SBI Life Insurance Co Ltd | Equity | ₹10.92 Cr | 1.33% |
| Bharti Airtel Ltd | Equity | ₹10.76 Cr | 1.31% |
| Nexus Select Trust Reits | Equity - REIT | ₹10.16 Cr | 1.24% |
| NMDC Ltd | Equity | ₹9.98 Cr | 1.22% |
| NMDC LTD.-24-Feb-2026 | Equity - Future | ₹-9.97 Cr | 1.22% |
| SBI LIFE INSURANCE COMPANY LTD.-24-Feb-2026 | Equity - Future | ₹-9.94 Cr | 1.21% |
| Wipro Ltd | Equity | ₹9.86 Cr | 1.20% |
| Indus Towers Ltd Ordinary Shares | Equity | ₹9.71 Cr | 1.18% |
| Vedanta Ltd | Equity | ₹9.26 Cr | 1.13% |
| Knowledge Realty Trust Units | Equity - REIT | ₹9.26 Cr | 1.13% |
| Bajaj Auto Ltd | Equity | ₹8.32 Cr | 1.01% |
| Shriram Finance Ltd | Equity | ₹8.2 Cr | 1.00% |
| IndusInd Bank Ltd | Equity | ₹7.93 Cr | 0.97% |
| BAJAJ AUTO LTD.-24-Feb-2026 | Equity - Future | ₹-7.51 Cr | 0.92% |
| NTPC Ltd | Equity | ₹7.51 Cr | 0.92% |
| Coal India Ltd | Equity | ₹7.32 Cr | 0.89% |
| Aurobindo Pharma Ltd | Equity | ₹7.26 Cr | 0.89% |
| DLF Ltd | Equity | ₹7.24 Cr | 0.88% |
| Life Insurance Corporation of India | Equity | ₹7.03 Cr | 0.86% |
| REC Ltd | Equity | ₹6.75 Cr | 0.82% |
| Hero MotoCorp Ltd | Equity | ₹6.7 Cr | 0.82% |
| InterGlobe Aviation Ltd | Equity | ₹6.67 Cr | 0.81% |
| ICICI BANK LTD-24-Feb-2026 | Equity - Future | ₹-6.58 Cr | 0.80% |
| INDUS IND BANK LTD.-24-Feb-2026 | Equity - Future | ₹-6.27 Cr | 0.77% |
| HDFC Life Insurance Co Ltd | Equity | ₹6.14 Cr | 0.75% |
| Tata Motors Ltd | Equity | ₹5.96 Cr | 0.73% |
| BHARTI AIRTEL LTD.-24-Feb-2026 | Equity - Future | ₹-5.91 Cr | 0.72% |
| BAJAJ FINSERV LTD.-24-Feb-2026 | Equity - Future | ₹-5.87 Cr | 0.72% |
| Bajaj Finserv Ltd | Equity | ₹5.86 Cr | 0.71% |
| HDFC LIFE INSURANCE COMPANY LIMITED-24-Feb-2026 | Equity - Future | ₹-5.24 Cr | 0.64% |
| Cipla Ltd | Equity | ₹5.21 Cr | 0.64% |
| Eicher Motors Ltd | Equity | ₹5.13 Cr | 0.63% |
| Axis Bank Ltd. Std - Margin | Cash - Repurchase Agreement | ₹5 Cr | 0.61% |
| Bharat Petroleum Corp Ltd | Equity | ₹4.92 Cr | 0.60% |
| HINDUSTAN AERONAUTICS LTD-24-Feb-2026 | Equity - Future | ₹-4.79 Cr | 0.58% |
| Hindustan Aeronautics Ltd Ordinary Shares | Equity | ₹4.78 Cr | 0.58% |
| Tata Steel Ltd | Equity | ₹4.5 Cr | 0.55% |
| Bajaj Finance Ltd | Equity | ₹4.33 Cr | 0.53% |
| CIPLA LTD.-24-Feb-2026 | Equity - Future | ₹-3.94 Cr | 0.48% |
| LARSEN AND TOUBRO LIMITED-24-Feb-2026 | Equity - Future | ₹-3.59 Cr | 0.44% |
| INDUS TOWERS LIMITED-24-Feb-2026 | Equity - Future | ₹-3.48 Cr | 0.42% |
| DLF LTD.-24-Feb-2026 | Equity - Future | ₹-3.26 Cr | 0.40% |
| BAJAJ FINANCE LTD.-24-Feb-2026 | Equity - Future | ₹-3.08 Cr | 0.38% |
| Hindustan Zinc Ltd | Equity | ₹3.04 Cr | 0.37% |
| POWER GRID CORPORATION OF INDIA LTD-24-Feb-2026 | Equity - Future | ₹-2.85 Cr | 0.35% |
| TATA CONSULTANCY SERVICES LTD.-24-Feb-2026 | Equity - Future | ₹-2.75 Cr | 0.33% |
| EICHER MOTORS LTD-24-Feb-2026 | Equity - Future | ₹-2.28 Cr | 0.28% |
| Dr Reddy's Laboratories Ltd | Equity | ₹1.97 Cr | 0.24% |
| INTERGLOBE AVIATION LTD-24-Feb-2026 | Equity - Future | ₹-1.39 Cr | 0.17% |
| Bharti Airtel Ltd (Partly Paid Rs.1.25) | Equity | ₹0.97 Cr | 0.12% |
| DABUR INDIA LTD.-24-Feb-2026 | Equity - Future | ₹-0.57 Cr | 0.07% |
| Dabur India Ltd | Equity | ₹0.57 Cr | 0.07% |
| Clearing Corporation Of India Ltd. Std - Margin | Cash - Repurchase Agreement | ₹0.33 Cr | 0.04% |
Allocation By Market Cap (Equity)
Large Cap Stocks
31.87%
Mid Cap Stocks
2.67%
Small Cap Stocks
--
Allocation By Credit Quality (Debt)
AAA
Other Allocation
Equity Sector
Debt & Others
| Sector | Amount | Holdings |
|---|---|---|
| Financial Services | ₹206.34 Cr | 25.16% |
| Consumer Cyclical | ₹73.81 Cr | 9.00% |
| Basic Materials | ₹64.82 Cr | 7.91% |
| Technology | ₹53.18 Cr | 6.49% |
| Industrials | ₹42.75 Cr | 5.21% |
| Energy | ₹34.6 Cr | 4.22% |
| Communication Services | ₹21.44 Cr | 2.61% |
| Utilities | ₹19.65 Cr | 2.40% |
| Healthcare | ₹14.45 Cr | 1.76% |
| Consumer Defensive | ₹12.19 Cr | 1.49% |
| Real Estate | ₹7.24 Cr | 0.88% |
Risk & Performance Ratios
Standard Deviation
This fund
4.04%
Cat. avg.
4.33%
Lower the better
Sharpe Ratio
This fund
1.25
Cat. avg.
0.78
Higher the better
Sortino Ratio
This fund
--
Cat. avg.
1.33
Higher the better
Fund Managers
VS
V Srivatsa
Since August 2018
Sunil Patil
Since August 2018
Additional Scheme Detailsas of 31st January 2026
ISIN INF789F1A777 | Expense Ratio 0.66% | Exit Load 1.00% | Fund Size ₹820 Cr | Age 7 years 5 months | Lumpsum Minimum ₹5,000 | Fund Status Open Ended Investment Company | Benchmark Crisil Equity Savings Index TR INR |
Investment Objective
To seek to generate long-term capital growth from an actively managed portfolio primarily of Equity and Equity Related Securities. Scheme shall invest in Indian equities,foreign equities and related instruments and debt securities.
Tax Treatment
Capital Gains Taxation:
Dividend Taxation:
Note: As per the Income Tax Budget 2024, mutual funds are subject to capital gains taxation, which includes surcharge and cess based on prevailing income tax rules and the investor’s income. Taxation applies only to realised gains, not notional gains. Please consult your tax advisors to determine the implications or consequences of your investments in such securities.
Similar Equity Savings Funds
About the AMC
UTI Mutual Fund
Total AUM
₹3,58,006 Cr
Address
UTI Towers, Gn Block, Mumbai, 400 051
Other Funds by UTI Mutual Fund
Risk Level
Your principal amount will be at Moderately High risk
Take control of your wealth
Related Articles
Still got questions?
We're here to help.
What is the current NAV of UTI Equity Savings Fund Direct Growth?
The NAV of UTI Equity Savings Fund Direct Growth, as of 20-Feb-2026, is ₹20.35.
What are the returns of UTI Equity Savings Fund Direct Growth?
The fund has generated 9.61% over the last 1 year and 11.86% over the last 3 years. However, this does not guarantee that the fund will perform similarly in the future.
What is the portfolio composition of UTI Equity Savings Fund Direct Growth?
The fund's allocation of assets is distributed as 41.13% in equities, 21.38% in bonds, and 37.49% in cash and cash equivalents.
Who manages the UTI Equity Savings Fund Direct Growth?
The fund managers responsible for UTI Equity Savings Fund Direct Growth are:-
- V Srivatsa
- Sunil Patil
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Disclaimer: Mutual Fund investments are subject to market risks, read all scheme-related documents carefully. The NAVs of the schemes may go up or down depending upon the factors and forces affecting the securities market including the fluctuations in the interest rates. The past performance of the mutual funds is not necessarily indicative of the future performance of the schemes. Investors are requested to review the prospectus carefully and obtain expert professional advice with regard to specific legal, tax and financial implications of the investment/participation in the scheme.
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Mutual Fund distribution services are offered through Dezerv Distribution Services Pvt Limited, a wholly owned subsidiary with AMFI Registration No.: ARN -248439. **Mutual fund investments are subject to market risks, read all scheme related documents carefully.** Terms and conditions of the website are applicable. Privacy policy of the website is applicable.
Dezerv Investments Pvt. Ltd. is a Portfolio Manager with SEBI Registration no. INP000007377, a member of BSE with SEBI Stock Broker Registration no. INZ000303136, and an Investment Manager to Category - I AIF-VCF-Angel Fund with SEBI Registration no. IN/AIF1/22-23/1066.
Mutual Fund distribution services are offered through Dezerv Distribution Services Pvt Limited, a wholly owned subsidiary with AMFI Registration No.: ARN -248439. **Mutual fund investments are subject to market risks, read all scheme related documents carefully.** Terms and conditions of the website are applicable. Privacy policy of the website is applicable.
