HybridEquity SavingsDirect · Growth
UTI Equity Savings Fund - Direct Plan - Growth Option
UTI · Scheme 144490
₹20.40▼ 0.07%NAV · 2026-09-18
Decent FundScore
AUM
₹841 cr
Expense ratio
1.07%
3Y CAGR
9.2%
Risk level
Moderate
Min SIP
₹500
Benchmark
Nifty Equity Savings Index
Fund manager: V Srivatsa, Sunil PatilExit load: Exit load of 1%, if redeemed within 30 days.
Decent · 68/100
A solid option with a few areas worth a closer look.
🎯 A middle-ground option — some growth with a cushion, good for moderate risk appetite.
📈 Why it could do well
- ✓Very consistent — delivers dependably across market cycles, ideal for SIPs.
- ✓Protects capital well — worst-ever fall was only 14%.
- ✓Low volatility (6% a year) — a steady, low-drama ride.
- ✓Positive 3Y windows: 100% of rolling 3Y windows positive
- ✓Beat category: beat category in 87% of windows
📉 What could drag it down
- •Weak risk-adjusted returns (Sharpe 0.49) — took on risk without enough payoff.
- •1Y return: +5.3%
- •Sharpe ratio: 0.49
FundScore breakdown
68/100 · Decent
Returns
Weak
Consistency
Excellent
Risk-adjusted
Weak
Downside protection
Excellent
Cost efficiency
Strong
Portfolio quality
Average
Each dial rates the fund 0–100 on one factor, computed from real NAV history. Fuller & greener = stronger.
SIP return calculator
Back-tested on this fund's actual historical NAVs. Past performance ≠ future returns.