UTI Equity Savings Fund - Growth

Regular

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.
Direct

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.

Category : Equity Savings

Equity Holding : 66.64% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 66.64%

No of Stocks : 43 (Category Avg - 76.64) | Large Cap Investments : 54.47%| Mid Cap Investments : 1.92% | Small Cap Investments : 0% | Other : 10.25%

Portfolio Summary (as on 30th Nov,2025)

Particulars	This Scheme	Category
No. of Stocks	43	69.6
Top 5 Stock Weight	20.92%	23.31%
Top 10 Stock Weight	34.32%	36.2%
Top 3 Sector Weight	29.56%	26.15%

Category - Equity Savings

Particulars	This Scheme	Category
Average mcap (Cr)	119891.92	106500.94
Holdings in large cap stocks	54.47%	42.71%
Holdings in mid cap stocks	1.92%	6.83%
Holdings in small cap stocks	0%	3.41%

Category - Equity Savings

Top 10 Stocks holding in Portfolio (as on 30th Nov,2025)

Stock Invested in	Sector	Value(Mn)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	Quantity	1M Change in Qty
# Axis Bank Ltd.	Private sector bank	396	4.99%	0.00%	4.52% (Oct 2025)	2.99% (Feb 2025)	3.09 L	35.83 k
# HDFC Bank Ltd.	Private sector bank	393.4	4.95%	0.00%	5.99% (Mar 2025)	4.67% (Sep 2025)	3.90 L	30.25 k
# Mahindra & Mahindra Ltd.	Passenger cars & utility vehicles	346.6	4.36%	0.00%	4.47% (Sep 2025)	3.67% (Mar 2025)	92.25 k	0.00
# Reliance Industries Ltd.	Refineries & marketing	264.4	3.33%	0.00%	3.3% (Oct 2025)	1.54% (Dec 2024)	1.69 L	3.14 k
# Grasim Industries Limited	Cement & cement products	261	3.29%	0.00%	4.37% (Jan 2025)	3.76% (Dec 2024)	95.27 k	-7.00 k
# Kotak Mahindra Bank Ltd.	Private sector bank	259.9	3.27%	0.00%	4.8% (Mar 2025)	3.32% (Sep 2025)	1.22 L	0.00
# State Bank Of India	Public sector bank	242.5	3.05%	0.00%	3.06% (Oct 2025)	1.25% (Feb 2025)	2.48 L	4.20 k
# Larsen & Toubro Ltd.	Civil construction	194.9	2.45%	0.00%	2.26% (Oct 2025)	0.89% (Feb 2025)	47.89 k	6.05 k
# Maruti Suzuki India Ltd.	Passenger cars & utility vehicles	187.8	2.36%	0.00%	2.77% (Sep 2025)	1.97% (Dec 2024)	11.81 k	0.00
# ICICI Bank Ltd.	Private sector bank	180.3	2.27%	0.00%	3.04% (Nov 2024)	2.29% (Oct 2025)	1.30 L	2.96 k

- indicates change in weight in the portfolio. # indicates a new entry.

View complete holding

Complete equity Portfolio (as on 30th Nov,2025)

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Sector
M-Cap

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Stock Invested in	Sector	Sector Total	Value(Mn)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	Quantity	1M Change in Qty	M-Cap	GroupName
# Axis Bank Ltd.	Private sector bank	16.44	396	4.99%	0.00%	4.52% (Oct 2025)	2.99% (Feb 2025)	3.09 L	35.83 k	Large Cap	54.47
# HDFC Bank Ltd.	Private sector bank	16.44	393.4	4.95%	0.00%	5.99% (Mar 2025)	4.67% (Sep 2025)	3.90 L	30.25 k	Other	10.25
# Mahindra & Mahindra Ltd.	Passenger cars & utility vehicles	6.72	346.6	4.36%	0.00%	4.47% (Sep 2025)	3.67% (Mar 2025)	92.25 k	0.00	Large Cap	54.47
# Reliance Industries Ltd.	Refineries & marketing	4.28	264.4	3.33%	0.00%	3.3% (Oct 2025)	1.54% (Dec 2024)	1.69 L	3.14 k	Large Cap	54.47
# Grasim Industries Limited	Cement & cement products	3.29	261	3.29%	0.00%	4.37% (Jan 2025)	3.76% (Dec 2024)	95.27 k	-7.00 k	Large Cap	54.47
# Kotak Mahindra Bank Ltd.	Private sector bank	16.44	259.9	3.27%	0.00%	4.8% (Mar 2025)	3.32% (Sep 2025)	1.22 L	0.00	Large Cap	54.47
# State Bank Of India	Public sector bank	3.05	242.5	3.05%	0.00%	3.06% (Oct 2025)	1.25% (Feb 2025)	2.48 L	4.20 k	Large Cap	54.47
# Larsen & Toubro Ltd.	Civil construction	2.45	194.9	2.45%	0.00%	2.26% (Oct 2025)	0.89% (Feb 2025)	47.89 k	6.05 k	Large Cap	54.47
# Maruti Suzuki India Ltd.	Passenger cars & utility vehicles	6.72	187.8	2.36%	0.00%	2.77% (Sep 2025)	1.97% (Dec 2024)	11.81 k	0.00	Large Cap	54.47
# ICICI Bank Ltd.	Private sector bank	16.44	180.3	2.27%	0.00%	3.04% (Nov 2024)	2.29% (Oct 2025)	1.30 L	2.96 k	Large Cap	54.47
# Tata Consultancy Services Ltd.	Computers - software & consulting	6.4	159.8	2.01%	0.00%	1.97% (Oct 2025)	0.26% (Apr 2025)	50.92 k	2.73 k	Large Cap	54.47
# Infosys Ltd.	Computers - software & consulting	6.4	143.1	1.80%	0.00%	4.87% (Nov 2024)	1.61% (Oct 2025)	91.72 k	10.43 k	Large Cap	54.47
# ITC Limited	Diversified fmcg	1.75	138.6	1.75%	0.00%	1.93% (Oct 2025)	1.01% (May 2025)	3.43 L	0.00	Large Cap	54.47
# Bharti Airtel Ltd.	Telecom - cellular & fixed line services	1.65	121.3	1.53%	0.00%	2.32% (Nov 2024)	1.59% (Oct 2025)	57.72 k	0.00	Large Cap	54.47
# Power Grid Corporation of India Ltd.	Power - transmission	1.52	120.9	1.52%	0.00%	1.79% (Apr 2025)	1.42% (Feb 2025)	4.48 L	0.00	Large Cap	54.47
# J S W Steel Ltd.	Iron & steel products	1.89	114.4	1.44%	0.00%	1.59% (Oct 2025)	1.35% (Dec 2024)	98.55 k	0.00	Large Cap	54.47
# HCL Technologies Limited	Computers - software & consulting	6.4	111.9	1.41%	0.00%	2.07% (Dec 2024)	1.1% (Sep 2025)	68.88 k	2.30 k	Large Cap	54.47
# SBI Life Insurance Co Ltd.	Life insurance	2.99	107.4	1.35%	0.00%	1.53% (Jul 2025)	1.13% (Dec 2024)	54.63 k	0.00	Large Cap	54.47
# Vedanta Ltd.	Diversified metals	1.23	97.4	1.23%	0.00%	1.28% (Sep 2025)	0.77% (Dec 2024)	1.85 L	6.00 k	Large Cap	54.47
# Indus Towers Ltd.	Telecom - infrastructure	1.2	95.6	1.20%	0.00%	1.35% (Apr 2025)	0.86% (Nov 2024)	2.38 L	25.87 k	Large Cap	54.47
# Wipro Ltd.	Computers - software & consulting	6.4	93.9	1.18%	0.00%	1.72% (Jan 2025)	0.67% (Mar 2025)	3.76 L	42.77 k	Large Cap	54.47
# InterGlobe Aviation Ltd.	Airline	1.17	92.8	1.17%	0.00%	1.64% (Apr 2025)	1.12% (Oct 2025)	15.72 k	871.00	Large Cap	54.47
# Hero Motocorp Ltd.	2/3 wheelers	1.89	91.3	1.15%	0.00%	1.42% (May 2025)	0.68% (Dec 2024)	14.78 k	858.00	Large Cap	54.47
# NMDC LTD	Industrial minerals	1.14	90.8	1.14%	0.00%	1.47% (Nov 2024)	1.18% (Apr 2025)	12.29 L	0.00	Mid Cap	1.92
# Cipla Ltd.	Pharmaceuticals	2.22	81.8	1.03%	0.00%	1.56% (Aug 2025)	0.91% (Jun 2025)	53.40 k	0.00	Large Cap	54.47
# Indusind Bank Ltd.	Private sector bank	16.44	76	0.96%	0.00%	2.04% (Feb 2025)	0.89% (Sep 2025)	88.49 k	0.00	Large Cap	54.47
# Bharat Petroleum Corporation Ltd.	Refineries & marketing	4.28	75.6	0.95%	0.00%	0.97% (Jun 2025)	0% (Nov 2024)	2.10 L	36.06 k	Large Cap	54.47
# Aurobindo Pharma Ltd.	Pharmaceuticals	2.22	73.7	0.93%	0.00%	0.78% (Oct 2025)	0.43% (Feb 2025)	60.10 k	9.18 k	Large Cap	54.47
# Life Insurance Corporation Of India	Life insurance	2.99	66.3	0.83%	0.00%	0.81% (Oct 2025)	0% (Nov 2024)	74.12 k	6.69 k	Other	10.25
# Shriram Finance Ltd.	Non banking financial company (nbfc)	1.53	65.7	0.83%	0.00%	0.77% (Oct 2025)	0.3% (Jan 2025)	77.14 k	0.00	Other	10.25
# HDFC Life Insurance Company Ltd.	Life insurance	2.99	64.2	0.81%	0.00%	1.43% (May 2025)	0.82% (Oct 2025)	83.99 k	0.00	Large Cap	54.47
# Bajaj Finserv Ltd	Holding company	0.79	62.8	0.79%	0.00%	0.9% (Mar 2025)	0.71% (Dec 2024)	30.00 k	0.00	Other	10.25
# Coal India Ltd.	Coal	0.79	62.5	0.79%	0.00%	0.78% (Oct 2025)	0.22% (Nov 2024)	1.66 L	16.99 k	Large Cap	54.47
# Rural Electrification Corporation Limited	Financial institution	0.78	62.1	0.78%	0.00%	0.82% (Oct 2025)	0% (Nov 2024)	1.72 L	9.54 k	Mid Cap	1.92
# Eicher Motors Ltd.	2/3 wheelers	1.89	58.5	0.74%	0.00%	1.05% (Jan 2025)	0.64% (May 2025)	8.30 k	0.00	Other	10.25
# National Thermal Power Corporation Ltd.	Power generation	0.7	55.6	0.70%	0.00%	0.84% (Sep 2025)	0.53% (Feb 2025)	1.70 L	0.00	Large Cap	54.47
# Bajaj Finance Ltd.	Non banking financial company (nbfc)	1.53	55.5	0.70%	0.00%	1.78% (Mar 2025)	0.75% (Oct 2025)	53.53 k	0.00	Other	10.25
# TML Commercial Vehicles Ltd.	Commercial vehicles	0.58	45.8	0.58%	0.58%	0% (Dec 2025)	0% (Dec 2025)	1.30 L	1.30 L	Other	10.25
# Tata Steel Ltd.	Iron & steel products	1.89	36	0.45%	0.00%	0.52% (Oct 2025)	0% (Nov 2024)	2.14 L	0.00	Other	10.25
# Dr. Reddys Laboratories Ltd.	Pharmaceuticals	2.22	20.4	0.26%	0.00%	0.81% (Jan 2025)	0.26% (Oct 2025)	16.21 k	0.00	Other	10.25
# Bharti Airtel Ltd. - Partly Paid	Telecom - cellular & fixed line services	1.65	9.8	0.12%	0.00%	0.13% (Jun 2025)	0.06% (Feb 2025)	6.18 k	0.00	Other	10.25
# Hindalco Industries Ltd.	Aluminium	0.12	9.3	0.12%	0.00%	1.18% (Oct 2025)	0.81% (Dec 2024)	11.49 k	-0.93 L	Large Cap	54.47
# Dabur India Ltd.	Personal care	0.07	5.8	0.07%	0.00%	0.09% (Dec 2024)	0.07% (Oct 2025)	11.25 k	0.00	Large Cap	54.47

- indicates change in weight in the portfolio. # indicates a new entry.

New Stocks added in Portfolio (in 1 month period ending 30th Nov,2025)

Stock Invested in	Sector	Value(Mn)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	Quantity	1M Change in Qty
# TML Commercial Vehicles Ltd.	Commercial vehicles	45.8	0.58%	0.58%	0% (Dec 2025)	0% (Dec 2025)	1.30 L	130000

Stocks removed from Portfolio (in 1 month period ending 30th Nov,2025)

Stock Invested in	Sector	Value(Mn)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	Quantity	1M Change in Qty
No complete exits in the portfolio in the last month.

Trend in stock holdings (Top 15 Holding)

Stock	Nov 2025	Oct 2025	Sep 2025	Aug 2025	Jul 2025	Jun 2025	May 2025	Apr 2025	Mar 2025	Feb 2025	Jan 2025	Dec 2024	Nov 2024
HDFC Bank Ltd.	4.95%	4.77%	4.67%	5.05%	5.64%	5.62%	5.85%	5.94%	5.99%	5.92%	5.72%	5.65%	5.88%
Mahindra & Mahindra Ltd.	4.36%	4.31%	4.47%	4.28%	4.27%	3.77%	3.89%	3.90%	3.67%	3.71%	4.11%	4.01%	4.01%
Kotak Mahindra Bank Ltd.	3.27%	3.45%	3.32%	3.46%	3.62%	3.97%	3.99%	4.63%	4.80%	4.49%	4.42%	4.09%	4.15%
Grasim Industries Limited	3.29%	3.96%	3.84%	3.89%	3.88%	4.03%	3.81%	4.28%	4.22%	4.08%	4.37%	3.76%	4.07%
Axis Bank Ltd.	4.99%	4.52%	4.29%	3.97%	4.03%	3.63%	3.56%	3.55%	3.11%	2.99%	3.06%	3.35%	3.74%
Infosys Ltd.	1.80%	1.61%	2.60%	3.79%	3.92%	4.00%	3.80%	3.49%	3.68%	4.32%	4.85%	4.86%	4.87%
ICICI Bank Ltd.	2.27%	2.29%	2.33%	2.48%	2.76%	2.70%	2.92%	2.94%	2.80%	2.80%	2.94%	2.97%	3.04%
Maruti Suzuki India Ltd.	2.36%	2.56%	2.77%	2.62%	2.21%	2.28%	2.57%	2.61%	2.53%	2.74%	2.73%	1.97%	1.99%
Reliance Industries Ltd.	3.33%	3.30%	3.08%	3.04%	2.96%	3.05%	2.83%	2.06%	1.54%	1.56%	1.62%	1.54%	1.68%
Bharti Airtel Ltd.	1.53%	1.59%	1.86%	1.85%	1.89%	2.05%	1.88%	2.13%	2.23%	2.11%	2.25%	2.17%	2.32%
State Bank Of India	3.05%	3.06%	2.70%	2.55%	2.45%	2.33%	1.37%	1.36%	1.34%	1.25%	1.38%	1.35%	1.41%
Power Grid Corporation of India Ltd.	1.52%	1.73%	1.71%	1.62%	1.68%	1.67%	1.65%	1.79%	1.63%	1.42%	1.68%	1.53%	1.68%
HCL Technologies Limited	1.41%	1.38%	1.10%	1.19%	1.14%	1.20%	1.52%	1.43%	1.27%	1.63%	1.89%	2.07%	2.00%
J S W Steel Ltd.	1.44%	1.59%	1.54%	1.42%	1.46%	1.42%	1.43%	1.51%	1.57%	1.46%	1.43%	1.35%	1.48%
Larsen & Toubro Ltd.	2.45%	2.26%	2.09%	1.96%	1.86%	1.30%	1.12%	0.89%	0.94%	0.89%	0.99%	0.99%	1.05%

No of Debt Holding 4 (Category Avg - 16.16) | Modified Duration 3.13 Years (Category Avg - 2.57)| Yield to Maturity 5.98% (Category Avg - 6.39%)

Portfolio Summary (as on 30th Nov,2025)

Security Type	% Weight	Category Average
GOI	22.19%	9.02%
CD	0.00%	0.37%
T-Bills	0.00%	0.55%
CP	0.00%	0.42%
NCD & Bonds	0.00%	7.62%
PTC	0.00%	0.17%

Category - Equity Savings

Security Type	% Weight	Category Average
Government Backed	22.19%	9.57%
Low Risk	0.00%	0.00%
Moderate Risk	0.00%	0.00%
High Risk	0.00%	0.00%
Very High Risk	0.00%	0.00%
Others	0.00%	0.00%

Category - Equity Savings

Debt holding in Portfolio (as on 30th Nov,2025)

Instrument	Type	Sector	Value (Mn)	% of Total Holding	Quantity
Bond - Govt of India	GOI	Other	678.60	8.54%	65.00 Cr
Bond - Govt of India	GOI	Other	481.81	6.07%	46.64 Cr
Bond - Govt of India	GOI	Other	396.67	4.99%	40.00 Cr
Bond - Govt of India	GOI	Other	205.55	2.59%	20.00 Cr

Name	Type of Instrument	Weight (%)
Net Receivables	Net Receivables	5.60%
Embassy Office Parks Reit	InvITs	1.38%
Nexus Select Trust	InvITs	1.31%
IRB Invit Fund	InvITs	1.27%
Knowledge Realty Trust	InvITs	0.95%
FD - Axis Bank Ltd.	FD	0.63%
Margin	Margin	0.03%