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UTI Long Term Equity Fund (Tax Saving) | Invest in ELSS | UTI Mutual Fund

The document outlines the UTI Long Term Equity Fund (Tax Saving), an open-ended equity linked saving scheme with a 3-year lock-in period, designed for long-term capital appreciation and tax benefits under Section 80C of the Income Tax Act. It includes information on investment strategies, market risk, and compares different tax saving options available under various regulations. The fund primarily invests in equity instruments and is managed by Vishal Chopda, with significant allocations to large cap and well-established companies.

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Information Classification: UTI AMC - Confidential Information Classification: UTI AMC - Confidential This product is suitable for investors who are seeking*: • Long term capital appreciation • Investment in equity instruments of companies that are believed to have growth potential * Investors should consult their financial advisers if in doubt about whether the product is suitable for them UTI Long Term Equity Fund (Tax Saving) (An open ended equity linked saving scheme with a statutory lock in of 3 years and tax benefit) SCHEME CATEGORY STOCK CONCENTRATION INVESTMENT STYLE RISK / REWARD POTENTIAL BENCHMARK LOWER RISK LOWER REWARD MODERATE RISK MODERATE REWARD HIGHER RISK HIGH REWARD Low Concentration (> 60 stocks) Moderate Concentration (40 - 60 stocks) High Concentration (<40 stocks) Market Cap based Fund Style based Fund Dividend Yield Fund Sector Fund ELSS Growth Blend Value S&P BSE 100 TRI Nifty 500 TRI MUTUAL FUND INVESTMENTS ARE SUBJECT TO MARKET RISKS, READ ALL SCHEME RELATED DOCUMENTS CAREFULLY.
Information Classification: UTI AMC - Confidential Information Classification: UTI AMC - Confidential POWERED BY TEAM PROCESS STRATEGIES MUTUAL FUND INVESTMENTS ARE SUBJECT TO MARKET RISKS, READ ALL SCHEME RELATED DOCUMENTS CAREFULLY  Team driven approach  Discussion & Review  Standardized research methodology  Identifying good stocks, avoiding poor stocks  Consistency over time  Support diverse strategies  Style discipline – mandate & style drive the choice of stocks across the OCF & RoCE tiers Companies get Operating Cash Flow (OCF) & Return on Capital Employed (RoCE) ratings based on their previous 5 years financials 3 Tier Rating System C1 C2 C3 OCF Rating LOW HIGH CONSISTENCY R1 R2 R3 RoCE Rating LOW HIGH CONSISTENCY Operating Cash Flow (OCF) Tiers - 3 Tiers (C1/ C2/ C3) based on the number of years in which they have generated positive operating cash flows in the previous 5 years (for manufacturing companies). Return on Capital Employed (RoCE) / Implied Return on Equity (RoE) Tiers - 3 Tiers (R1/ R2/ R3) based on the previous 5-year average return on capital (for manufacturing companies & non-lending nonbanking finance companies (NBFCs)) & based on the previous 5-year average return on asset for banks & NBFCs (including housing finance companies).
Information Classification: UTI AMC - Confidential Information Classification: UTI AMC - Confidential What are your Investment Objectives? CAN I ALSO SAVE TAX UPTO ` 46,800/-* *As per the prevailing tax laws for FY 2023, eligible investors (Individual/ HUF) are entitled to deduction from their gross total income, of the amount invested in equity linked saving scheme (ELSS) upto Rs. 1,50,000/- (along with other prescribed investments) under Section 80C of the Income Tax Act, 1961. Tax savings of Rs. 46,800/- shown above is calculated for the highest income tax slab whose income is exceeding Rs. 10 Lakhs but below Rs. 50 Lakhs in a year (taxed at 30% + applicable educational cess). Tax benefits are subject to the provisions of the Income Tax Act, 1961 and are subject to amendments, from time to time. 3 Wealth Creation Income Generation Life Insurance Liquidity / Emergency
Information Classification: UTI AMC - Confidential Information Classification: UTI AMC - Confidential How much TAX do you SAVE? Income estimates for an individual less than 60 years of age. The above simulation is for illustration purpose only. As per the present tax laws, eligible investors (individual/ HUF) are entitled to deduction from their gross total income, of the amount invested in equity linked saving scheme (ELSS) upto Rs. 1,50,000/- (along with other prescribed investments) under Section 80C of the Income Tax Act, 1961. Tax benefits are subject to the provisions of the Income Tax Act, 1961 and are subject to amendments, from time to time. Exemptions and Deductions – Standard deduction is Rs. 50,000 and HRA is Rs. 1,00,000 The exemption on HRA is calculated as per 2A of Income Tax Rules. As per Rule 2A, the least of the following is exempted from salary under Section 10(13A) and does not form part of the taxable income. (i) Actual HRA received from employer. (ii) For those living in metro cities: 50% of (Basic salary + Dearness allowance)For those living in non-metro cities: 40% of (Basic salary + Dearness allowance). (iii) Actual rent paid minus 10% of (Basic salary + Dearness allowance) Illustration on Tax Saved in Old Regime vs New Assumed Income Tax Rate - 30% New Regime (`) Old Regime Tax Rebate Not Availed (`) Tax Rebate Availed (`) Gross Income from Salary 15,00,000 15,00,000 15,00,000 Exemptions & Deductions (HRA + Standard Deduction) - 1,50,000 1,50,000 Deductions: Investment in UTI LTEF (Tax Saving) - - 1,50,000 Net Taxable Income 15,00,000 13,50,000 12,00,000 Net Tax Liability 1,87,500 2,17,500 1,72,500 Health & Education Cess @ 4% 7,500 8,700 6,900 Total Tax Liability 1,95,000 2,26,200 1,79,400 Tax Saved (in Old Regime) - 46,800 Old Regime vs New Regime (31,200) 15,600 4 Tax saved v/s new regime Tax saved in old regime
Information Classification: UTI AMC - Confidential Information Classification: UTI AMC - Confidential Multiple Options: Under Section 80C of Income Tax Act, 1961 PPF- Public Provident Fund, EPF- Employees Provident Fund, VPF - Voluntary Provident Fund, NSC - National Savings Certificate, Tax Saving Bank FDs – Tax Saving Bank Fixed Deposits Equity Linked Savings Schemes (ELSS) USE THE RIGHT DOOR TO MEET YOUR FINANCIAL GOAL! Wealth Creation + Tax Saving EQUITY FIXED INCOME OTHERS PPF/EPF/VPF/NSC Tax Saving Bank FDs, PO Time Deposits, Senior Citizen Savings Income + Tax Saving Insurance & Pension Plans (by MFs & Insurance Co.) Life Cover, Retirement etc, FOCUS PRODUCT 5
Information Classification: UTI AMC - Confidential Information Classification: UTI AMC - Confidential How does it compare with other tax saving options? Tax Saving options Minimum Investment Amount (`) Tenure / Lock in period Interest / Return Mode of Contribution Maturity Amount Taxability Equity Linked Savings Scheme (ELSS) 500/- 3 Years Market linked* Lump Sum / SIP (Monthly / Quarterly) LTCG taxable @ 10%$$ Public Provident Fund (PPF) 500/- 15 Years** Fixed# Lump Sum / Monthly& Maturity amount with interest accrued is tax free Tax-Saving Term Deposit with Scheduled Banks 1000/-$ 5 Years Fixed Lump Sum Interest is added to income and Taxed accordingly Infrastructure Bonds 5000/- 3-10 Years Fixed Lump Sum Interest is added to income and Taxed accordingly National Savings Certificate (NSC) 100/- 5 Years Fixed# Lump Sum Interest is added to income and Taxed accordingly## 6 *Market linked – Returns are subject to market risk. $ - Limits as per SBI Tax Saving Scheme - 2006 ** Premature withdrawal under PPF is available from 7th financial year. However, the full amount can be withdrawn after 15 years. # Reviewed periodically. ## The interest portion reinvested is also eligible for tax rebate u/s 80C of IT Act, 1961 Tax benefits are subject to the provisions of the Income Tax Act, 1961 and are subject to amendments, from time to time. For more information on the tax provisions, please refer to prevailing IT laws . SIP – Systematic Investment Plan, STT - Security Transaction Tax, LTCG – Long Term Capital Gain $$ - Long term capital gains accrued from selling equity shares and equity-oriented mutual funds are exempt from tax up to Rs 1 lakh in a financial year. The gains in excess of ` 1 lakh are taxed at flat 10% & One may opt for standing instructions for regular contribution into a PPF account, however can not exceed 12 contributions in a financial year.
Information Classification: UTI AMC - Confidential Information Classification: UTI AMC - Confidential ELSS – A tax-efficient Multicap tool to optimize your portfolio ELSS Tax benefits under Section 80C Only 3 years lock- in period Benefit on Long term capital gains High Return potential* SIP Facility * Subject to market risk. **Tax free dividends as per the prevailing tax laws, pursuant to payment of dividend/issue of Bonus units, the NAV of the respective options of the Schemes would fall to the extent of payout and statutory levy (if applicable) ELSS – Equity Linked Saving Scheme, SIP – Systematic Investment Plan Tax benefits u/s 80C under the Income Tax Act, 1961, exemptions are subject to prevailing tax laws 7
Information Classification: UTI AMC - Confidential Information Classification: UTI AMC - Confidential -56% -19% -8% -3% 5% 7% 8% 263% 83% 55% 35% 28% 22% 20% -70% -50% -30% -10% 10% 30% 50% 70% 90% 110% 1 Year 3 Years 5 Years 10 Years 15 Years 20 Years 25 Years Lowest Returns Highest Returns Average Returns Holding equity investments over time reduces the downside risk Rolling Returns with daily frequency of S&P BSE Sensex at different time frame as illustrated above (Data: January 1, 1981 to December 31, 2022). CAGR – Compounded Annual Growth Rate. Source: MFI Explorer Long term investment reduces the probability of negative returns In Percentage Average Returns (%) Rolling returns of S&P BSE Sensex 8 28% 12% 8% 1% 0% 0% Rolling Returns Probability of Negative Returns 0% 19% 15% 16% 15% 15% 14% 15%
Information Classification: UTI AMC - Confidential Information Classification: UTI AMC - Confidential Product Spectrum on Risk v/s Return Grid (Active Funds) 9 UTI LTEF (Tax Saving) – UTI Long Term Equity Fund (Tax Saving); UTI B&FS Fund – UTI Banking & Financial Services Fund; UTI T&L Fund – UTI Transportation & Logistics Fund The above representation is only for understanding purpose, one should not constitute portfolio only based on the above and advised to approach their financial advisors based on the investors respective risk profile before making investment decisions. UTI Value Opportunities Fund UTI Mastershare Unit Scheme UTI LTEF (Tax Saving) UTI Flexi Cap Fund UTI Mid Cap Fund UTI Dividend Yield Fund UTI MNC Fund UTI Small Cap Fund UTI India Consumer Fund UTI T&L Fund UTI Healthcare Fund UTI B&FS Fund UTI Infrastructure Fund CORE ALLOCATION CORE SATELLITE ALLOCATION TACTICAL ALLOCATION RISK / STANDARD DEVIATION RETURN POTENTIAL UTI Core Equity Fund UTI Focused Equity Fund
Information Classification: UTI AMC - Confidential Information Classification: UTI AMC - Confidential Investment Strategy – Strike a balance between risk & return Sustainable Businesses The core of portfolio invests in companies with long-term sustainable growth Transformation Opportunities Pick businesses where strategy is being realigned to make the outcomes more sustainable Cyclical Opportunities Pick cyclicals when valuations are attractive and benefit from mean reversion Follows a blend of Growth and Value style
Information Classification: UTI AMC - Confidential Information Classification: UTI AMC - Confidential Exclusion Filter – What to avoid in the portfolio PORTFOLIO EXCLUSIONS Inferior RoCE Businesses which through a cycle generate RoCE lower than cost of capital Inconsistent Cash flows Poor OCF generation Sustainability Challenges Poor visibility of earnings sustainability or growth run way High Leverage Companies with high debt Management Issues Corporate Governance & Minority shareholder issues RoCE – Return on Capital Employed, OCF – Operating Cash Flow
Information Classification: UTI AMC - Confidential Information Classification: UTI AMC - Confidential Market Cap Internal Limits Portfolio Turnover Biased to Large cap stocks Preferred Allocation: Large Cap: 55-65%, Mid/Small Caps: 35-45% Single Sector – Lower of 35% or Benchmark plus 12% Single Stock – Maximum of 10% Top 10 Stocks – Maximum of 55% 05 Investment Style 01 Blend Preference for companies with consistent cash flow generation, healthy balance sheet and reasonable valuations Stock/Sector Selection 02 03 04 Blend Approach Top-down for Sector selection & Bottom-up for Stock selection Low to Moderate Churn Low to moderate churn portfolio Investment Framework 12
Information Classification: UTI AMC - Confidential Information Classification: UTI AMC - Confidential UTI Long Term Equity Fund (Tax Saving) – Fund Facts An open ended equity linked saving scheme with a statutory lock in of 3 years and tax benefit Type of scheme 15th December, 1999 Fund Inception Fund Manager Nifty 500 TRI Benchmark ` 500/- and in multiples of ` 500/- Subsequent min. investment, ` 500/- and in multiples of ` 500/- Minimum Investment Mr. Vishal Chopda, CFA, BE, PGDM (Managing since Aug 2019) Investment Objective The primary objective of the scheme is to invest predominantly in equity and equity related securities of companies across the market capitalization spectrum. Securities shall also include fully/ partly convertible debentures/ bonds. Asset Allocation Instruments Indicative Allocation (% of total assets) Risk Profile Minimum Allocation (%) Maximum Allocation (%) Equity and Equity Related Instruments 80 100 Medium to High Money Market instruments and other liquid instruments 0 20 Low to Medium 13
Information Classification: UTI AMC - Confidential Information Classification: UTI AMC - Confidential Fund Size: Monthly Avg. AuM: ` 2,959 Crores Last Day AuM : ` 2,913 Crores No. of Unit Folios : 2,71,593 Fund Snapshot Market Capitalisation (%) Quantitative Indicators 55 No. of Stocks 31.57% / 43.71% Top 5 / Top10 Stocks Fund Facts (contd.) OCF C1 : 94% C2 : 5% C3 : 1% ROCE R1 : 52% R2 : 29% R3 : 19% Portfolio Composition# Fund BM Beta : 0.94 1.00 SD (3 Years) : 20.57% 21.50% PTR (Annual) : 26.00% - Sharpe Ratio : 0.44 - Fund BM Large : 67 78 Mid : 20 14 Small : 13 8 Nifty 500 TRI UTI Long Term Equity Fund (Tax Saving) Active Share : 66.47% 14 Price to Earnings Price to Book Return on Equity Avg. AuM – Average Asset under Management, SD – Standard Deviation, PTR – Portfolio Turnover Ratio, Market cap – Market Capitalisation, ROCE – Return on Capital Employed. # Operating Cash Flow Tiers (C)- 3 Tiers based on the number of years in which they have generated positive operating cash flows in the previous 5 years (for manufacturing companies). RoCE/ Implied RoE Tiers (R) - 3 Tiers based on the previous 5 year average return on capital (for manufacturing companies & non-lending non banking finance companies (NBFCs)) & based on the previous 5 year average return on asset for banks & NBFCs (including housing finance companies). All data are as of December 31, 2022 9.02 7.95 33.28 35.11 18.48 17.50
Information Classification: UTI AMC - Confidential Information Classification: UTI AMC - Confidential Portfolio Equity Top 20 Holdings STOCK NAME SECTOR % to NAV Act. Wt % ICICI BANK LTD FINANCIAL SERVICES 8.34 3.19 HDFC BANK LIMITED FINANCIAL SERVICES 8.28 2.34 INFOSYS LTD. IT 6.28 1.70 AXIS BANK LTD. FINANCIAL SERVICES 5.05 2.96 BHARTI AIRTEL LTD. TELECOMMUNICATION 3.62 1.95 STATE BANK OF INDIA FINANCIAL SERVICES 3.08 1.13 BAJAJ FINANCE LTD. FINANCIAL SERVICES 2.50 1.05 MARUTI SUZUKI INDIA LTD. AUTO & AUTO COMPO 2.45 1.53 GODREJ CONSUMER PROD FMCG 2.11 1.84 PHOENIX MILLS LTD REALTY 2.00 1.89 ULTRATECH CEMENT LTD. CONSTRUCTION MAT 1.93 1.26 C. G. CONSUMER ELECTRICAL CONSUMER DURABLES 1.92 1.75 HINDALCO INDUSTRIES LTD. METALS & MINING 1.84 1.27 AVENUE SUPERMARTS LTD. CONSUMER SERVICES 1.77 1.29 CHOLA INVESTMENT & FINANCE FINANCIAL SERVICES 1.77 1.53 ICICI LOMBARD GEN INSURANC FINANCIAL SERVICES 1.68 1.42 METRO BRANDS LTD CONSUMER DURABLES 1.68 1.66 EICHER MOTORS LTD AUTO & AUTO COMPO 1.65 1.28 UNITED BREWERIES LTD. FMCG 1.65 1.55 NESTLE INDIA LTD. FMCG 1.64 1.06 Portfolio above shows Top 20 equity holdings under the scheme, for detailed portfolio visit www.utimf.com Act. Wt % - Active Weight % (as compared to the Benchmark Index – Nifty 500 TRI) Data as of December 31, 2022 Small Cap Holdings STOCK NAME SECTOR % to NAV CARBORANDUM UNIVERSAL LTD. CAPITAL GOODS 1.46 CESC LTD. POWER 1.44 AJANTA PHARMA LTD. HEALTHCARE 1.33 MTAR TECHNOLOGIES LTD CAPITAL GOODS 1.31 CANFIN HOMES LTD. FINANCIAL SERVICES 1.18 JAMNA AUTO INDUSTRIES LTD. AUTO & AUTO COMPO 1.04 FIRSTSOURCE SOLUTIONS LTD. IT 1.02 ISGEC HEAVY ENGINEERING LTD CONSTRUCTION 0.96 BARBEQUE NATION HOSPITALITY CONSUMER SERVICES 0.86 METROPOLIS HEALTHCARE LTD HEALTHCARE 0.85 PRAJ INDUSRIES LTD. CAPITAL GOODS 0.84 SHEELA FOAM LTD. CONSUMER DURABLES 0.79 15
Information Classification: UTI AMC - Confidential Information Classification: UTI AMC - Confidential Portfolio Snapshot Sectoral Breakdown (%) (As compared to Benchmark) Act. Wt % - Active Weight % (as compared to the Benchmark Index – Nifty 500 TRI Data as of December 31, 2022 Active Stock Position (As compared to Benchmark) Overweight (Top 5) Underweight (Top 5) STOCK NAME SECTOR % to NAV Act. Wt % ICICI BANK LTD FINANCIAL SERVICES 8.34 3.19 AXIS BANK LTD. FINANCIAL SERVICES 5.05 2.96 HDFC BANK LTD FINANCIAL SERVICES 8.28 2.34 BHARTI AIRTEL LTD. TELECOMMUNICATION 3.62 1.95 PHOENIX MILLS LTD REALTY 2.00 1.89 STOCK NAME SECTOR % to NAV Act. Wt % RELIANCE INDUSTRIES LTD. OIL, GAS & CONSUMABLE FUELS - 7.28 HDFC LTD. FINANCIAL SERVICES - 3.94 TCS LTD. IT - 2.76 KOTAK MAHINDRA BANK FINANCIAL SERVICES - 2.19 LARSEN & TOUBRO LTD. CONSTRUCTION - 2.09 16 Active Weight 0.00 0.00 0.00 0.00 0.96 1.27 1.44 1.84 1.93 2.11 3.07 3.62 5.34 5.39 5.73 7.07 7.47 9.10 9.88 32.62 -0.09 -0.36 -1.35 -0.45 -1.41 -9.15 -1.59 -1.73 -0.42 -0.58 2.27 1.46 1.68 0.44 2.22 4.61 -0.52 3.65 -0.98 1.21 0 10 20 30 40 50 60 DIVERSIFIED MEDIA, ENTERT & PUBLICATION SERVICES TEXTILES CONSTRUCTION OIL, GAS & CONSUMABLE FUELS POWER METALS & MINING CONSTRUCTION MATERIALS CHEMICALS REALTY TELECOMMUNICATION CONSUMER DURABLES HEALTHCARE CAPITAL GOODS CONSUMER SERVICES FMCG AUTO & AUTO COMPONENTS IT FINANCIAL SERVICES UTI - Long Term Equity Fund ( Tax Saving )
Information Classification: UTI AMC - Confidential Information Classification: UTI AMC - Confidential Portfolio Commentary 17 FMCG – Fast Moving Consumer Goods; IT – Information Technology; CV – Commercial Vehicles; PLI – Performance Linked Incentive Financial Services: The Fund is overweight in private sector banks and underweight in public sector banks. It remains confident of the liability franchise and asset quality of large private banks on a relative basis. It is also positive on the general insurance sector, given the under penetration across segments. Consumer (FMCG/ Durables/ Services): The Fund is overweight in Consumer Durables and Consumer Services. It is positive on domestic consumption over the medium to long term, given low penetration levels and rising per capital income. It has added weight in a FMCG company with diversified product segment led by ayurveda/naturals and alcohol company with market leadership in its segment. The Fund reduced weight in another FMCG company where it believes there could be growth challenges over the medium term. IT: The sector has seen sharp correction in the last year due to US Fed rate hikes impacting valuation multiples and risks of slowdown in US and Europe. The Fund will look to reduce underweight position on further valuation correction. Automobile & Automobile Components: The Automobile sector, after going through a downturn for the last 3-4 years, is showing signs of recovery. Commodities (input cost) have also seen correction in the past few months, giving good visibility on margin recovery. The Fund continues to remain positive on the sector and increased weight in the largest domestic four-wheeler player. Capital Goods: The sector is expected to do well post muted growth over the last many years with the Government focusing on increasing manufacturing in India with multiple PLI schemes. However, due to recent run up, valuations have become expensive, and the fund reduced its overweight exposure in the sector.
Information Classification: UTI AMC - Confidential Information Classification: UTI AMC - Confidential Rolling Return Analysis 18 Rolling Returns with daily frequency of UTI Long Term Equity Fund (Tax Saving) at different time frame as mentioned above. CAGR – Compounded Annual Growth Rate. Data period: December 31, 2007 to December 31, 2022. Different plans have a different expense structure. The performance details provided herein are of regular plan. Past performance may or may not be sustained in future. Rolling Returns of UTI Long Term Equity Fund (Tax Saving) – 15 Years Period Median Rolling Returns (CAGR) Probability of -ve Returns Over 8% 24.0% 5.3% 0.9% 57.2% 67.2% 79.3% 0.0% 89.5% -56% -6% -2% 5% 91% 25% 19% 16% -70% -50% -30% -10% 10% 30% 50% 70% 90% 110% 1 Year 3 Years 5 Years 10 Years Lowest Highest Median 9% 12% 13% 12%
Information Classification: UTI AMC - Confidential Information Classification: UTI AMC - Confidential  One time investment of Rs. 10,000/- made at the time of launch of the Scheme i.e., December 15, 1999  Total Value of investment under UTI LTEF (Tax Saving) – Rs. 2,23,394/- as against Rs. 1,97,887/- under Nifty 500 TRI ` 10,000 Invested at Inception: UTI Long Term Equity Fund (Tax Saving) Vs Nifty 500 TRI Performance Track Record 19 ` 1.98 Lakhs CAGR 13.82% ` 2.23 Lakhs CAGR 14.42% 5,000 20,000 35,000 50,000 65,000 80,000 95,000 1,10,000 1,25,000 1,40,000 1,55,000 1,70,000 1,85,000 2,00,000 2,15,000 2,30,000 2,45,000 2,60,000 Dec-01 Dec-02 Dec-03 Dec-04 Dec-05 Dec-06 Dec-07 Dec-08 Dec-09 Dec-10 Dec-11 Dec-12 Dec-13 Dec-14 Dec-15 Dec-16 Dec-17 Dec-18 Dec-19 Dec-20 Dec-21 Dec-22 UTI Long Term Equity Fund (Tax Saving) Nifty 500 TRI
Information Classification: UTI AMC - Confidential Information Classification: UTI AMC - Confidential B - Benchmark, AB - Additional Benchmark, TRI - Total Return Index Past performance may or may not be sustained in future. Different plans shall have a different expense structure. The performance details provided herein are of regular plan (growth option). Returns greater than 1 year period are Compound Annual Growth Rate (CAGR). Inception of UTI Long Term Equity Fund (Tax Saving) : December 15th, 1999. Date of allotment in the scheme/plan has been considered for inception date. The Scheme is currently managed by Mr. Vishal Chopda since Aug-2019. Period for which scheme’s performance has been provided is computed basis last day of the month-end preceding the date of advertisement. Performance Track Record (Contd.) 20 UTI Long Term Equity Fund (Tax Saving) Performance Vs Benchmark as of 31/12/2022 Period Fund Performance Vs Benchmark Growth of ` 10,000/- Scheme Returns (%) B: Nifty 500 TRI (%) AB: Nifty 50 TRI (%) Scheme Returns (`) B: Nifty 500 TRI (`) AB: Nifty 50 TRI (`) 1 Year -3.49 4.25 5.69 9,651 10,425 10,569 3 Years 15.56 17.36 15.51 15,438 16,171 15,418 5 Years 9.76 11.51 12.85 15,934 17,246 18,308 Since Inception 14.42 13.82 13.28 2,23,394 1,97,887 1,77,333 Performance of other open-ended schemes managed by the Fund Manager Mr. Vishal Chopda Scheme Inception Date Managing the Fund Since Benchmark 1 Year (%) 3 Years (%) 5 Years (%) Fund Benchmar k Fund Benchmark Fund Benchmar k UTI Focused Equity Fund 26-Aug-21 May-22 Nifty 500 TRI -0.41 4.25 - - - - UTI India Consumer Fund 30-Jul-07 Aug-19 Nifty India Consumption -2.33 8.53 12.45 16.46 7.97 9.46 UTI CCF – Savings Plan 12-July-93 Aug-19 CRISIL Short Term Debt Hybrid 60+40 2.67 4.68 9.77 11.21 6.27 9.61 UTI CCF – Investment Plan 30-Jan-08 Aug-19 Nifty 500 TRI -4.01 4.25 14.99 17.36 9.16 11.51 a. Mr. Vishal Chopda manages 5 open-ended schemes of UTI Mutual Funds. Period for which scheme’s performance has been provided is computed basis last day of the month-end preceding the date of advertisement. b. Different plans shall have a different expense structure. The performance details provided herein are of Growth Option (Regular Plan). c. Date of allotment in the scheme/plan has been considered for inception date.
Information Classification: UTI AMC - Confidential Information Classification: UTI AMC - Confidential •Investment of up to Rs. 1.50 lakh in the scheme is eligible for tax benefits under sec 80C of the Income Tax Act 1961 Tax Advantage* •Over 22 years of performance track record across market cycles Performance across life cycle •Scheme follows a well defined investment criteria that limits excessive concentration at sector and stock level Active Portfolio Management 21 * As per the present tax laws, eligible investors (individual/ HUF) selecting the old regime of tax slabs are entitled to deduction from their gross total income, of the amount invested in equity linked saving scheme (ELSS) upto Rs. 1,50,000/- (alongwith other prescribed investments) under Section 80C of the Income Tax Act, 1961. Tax benefits are subject to the provisions of the Income Tax Act, 1961 and are subject to amendments, from time to time. Exemptions and Deductions – Standard deduction is Rs. 50,000 and HRA is Rs. 1,00,000 Data as on September 30, 2022 Why Invest in UTI Long Term Equity Fund (Tax Saving)? 21
Information Classification: UTI AMC - Confidential Information Classification: UTI AMC - Confidential Name of the Scheme This product is suitable for investors who are seeking* Riskometer of Fund# Riskometer of Benchmark UTI Mastershare Unit Scheme (An open ended equity scheme predominantly investing in large cap stocks) • Long term capital appreciation • Investment predominantly in equity instruments of large cap companies S&P BSE 100 TRI UTI Core Equity Fund (An open ended equity scheme investing in both large cap and mid cap stocks) • Long term capital appreciation • Investment predominantly in equity instruments of both large cap and mid cap companies Nifty Large Midcap 250 TRI UTI Mid Cap Fund (An open ended equity scheme predominantly investing in mid cap stocks) • Long term capital appreciation • Investment predominantly in mid cap companies Nifty Midcap 150 TRI UTI Value Opportunities Fund (An open ended equity scheme following a value investment strategy) • Long term capital appreciation • Investment in equity instruments following a value investment strategy across the market capitalization spectrum Nifty 500 TRI UTI Flexi Cap Fund (An open ended dynamic equity scheme investing across large cap, mid cap, small cap stocks) • Long term capital appreciation • Investment in equity instruments of companies with good growth prospects across the market capitalization spectrum Nifty 500 TRI UTI Small Cap Fund (An open ended equity scheme predominantly investing in small cap stocks) • Long term capital appreciation • Investment predominantly in equity and equity related securities of small cap companies Nifty Small Cap 250 TRI UTI Dividend Yield Fund (An open ended equity scheme predominantly investing in dividend yielding stocks) • Long term capital appreciation • Investment predominantly in dividend yielding equity and equity related securities Nifty 500 TRI UTI Focused Equity Fund (An open ended equity scheme investing in maximum 30 stocks across market caps) • Long term capital growth • Investment in equity and equity related securities across market capitalisation in maximum 30 stocks Nifty 500 TRI *Investors should consult their financial advisers if in doubt about whether the product is suitable for them. Product Label #Risk-o-meter for the fund is based on the portfolio ending December 31, 2022. The Risk-o-meter of the fund/s is/are evaluated on monthly basis and any changes to Risk-o-meter are disclosed vide addendum on monthly basis, to view the latest addendum on Risk-o-meter, please visit addenda section on https://utimf.com/forms-and-downloads/
Information Classification: UTI AMC - Confidential Information Classification: UTI AMC - Confidential Name of the Scheme This product is suitable for investors who are seeking* Riskometer of Fund# Riskometer of Benchmark UTI Infrastructure Fund (An open ended equity scheme following the Infrastructure theme) • Long term capital appreciation • Investment predominantly in equity and equity related securities of companies forming part of the infrastructure sector Nifty Infrastructure TRI UTI MNC Fund (An open ended equity following the theme of investing predominantly in equity and equity related securities of Multi-National Companies) • Long term capital appreciation • Investment predominantly in equity and equity related securities of Multi-National companies Nifty MNC TRI UTI India Consumer Fund (An open ended equity scheme following the theme of changing consumer aspirations, changing lifestyle and growth of consumption) • Long term capital growth • Investment in equity instruments of companies that are expected to benefit from of the changing consumer aspirations, changing lifestyle and growth of consumption Nifty India Consumption TRI UTI Banking and Financial Services Fund (An open ended equity scheme investing in Banking and Financial Services Sector) • Long term capital appreciation • Investment predominantly in equity and equity related securities of companies engaged in banking and financial services activities. Nifty Financial Services TRI UTI Healthcare Fund (An open ended equity scheme investing in the Healthcare Services Sector) • Long term capital appreciation • Investment predominantly in equity and equity related securities in the Healthcare Services sector. S&P BSE Healthcare TRI UTI Transportation and Logistics Fund (An open ended equity scheme investing in transportation and logistics sector) • Long term capital appreciation • Investment predominantly in equity and equity related securities of the companies engaged in the transportation and logistics sector Nifty Transportation & Logistrics TRI UTI Long Term Equity Fund (Tax Saving) (An open ended equity linked saving scheme with a statutory lock in of 3 years and tax benefit) • Long term capital growth • Investment in equity instruments of companies that are believed to have growth potential Nifty 500 TRI *Investors should consult their financial advisers if in doubt about whether the product is suitable for them. Product Label #Risk-o-meter for the fund is based on the portfolio ending December 31, 2022. The Risk-o-meter of the fund/s is/are evaluated on monthly basis and any changes to Risk-o-meter are disclosed vide addendum on monthly basis, to view the latest addendum on Risk-o-meter, please visit addenda section on https://utimf.com/forms-and-downloads/
Information Classification: UTI AMC - Confidential Information Classification: UTI AMC - Confidential Name of the Scheme This product is suitable for investors who are seeking* Riskometer of Fund# Riskometer of Benchmark UTI Children’s Career Fund – Savings Plan (An open ended fund for investment for children having a lock-in for at least 5 years or till the child attains age of majority (whichever is earlier)) • Long term capital appreciation • Investment in equity instruments (maximum-40%) and debt instruments CRISIL Short Term Debt Hybrid 60+40 Fund Index UTI Children’s Career Fund – Investment Plan (An open ended fund for investment for children having a lock-in for at least 5 years or till the child attains age of majority (whichever is earlier)) • Long term capital appreciation • Investment in equity instruments (above 70%) and debt instruments Nifty 500 TRI UTI Retirement Benefit Pension Fund (An open ended retirement solution oriented scheme having a lock-in of 5 years or till retirement age (whichever is earlier) • Long term capital appreciation • Investment in equity instruments (maximum - 40%) and debt/money market instruments CRISIL Short Term Debt Hybrid 60+40 Fund Index UTI Regular Savings Fund (An open ended hybrid scheme investing predominantly in debt instruments) • Long-term capital appreciation and regular income over medium-term • Investment in equity instruments (maximum 25%) and fixed income securities (debt and money market securities) Nifty 50 Hybrid Composite Debt 15:85 Index UTI Unit Linked Insurance Plan (An open ended tax saving cum insurance scheme) • Long term capital appreciation • Investment in equity instruments (maximum - 40%) and debt instruments Nifty 50 Hybrid Composite Debt 50:50 Index UTI Hybrid Equity Fund (An open ended hybrid scheme investing predominantly in equity and equity related instruments) • Long term capital appreciation • Investment in equity instruments (maximum - 80%) and fixed income securities (debt and money market securities) CRISIL Hybrid 35+65 Aggressive Index UTI Equity Savings Fund An open ended scheme investing in equity, arbitrage and debt • Long term capital appreciation and income • Investment in equity & equity related instruments, arbitrage opportunities, and investments in debt and money market opportunities CRISIL Equity Savings Index Product Label 24 *Investors should consult their financial advisers if in doubt about whether the product is suitable for them. #Risk-o-meter for the fund is based on the portfolio ending December 31, 2022. The Risk-o-meter of the fund/s is/are evaluated on monthly basis and any changes to Risk-o-meter are disclosed vide addendum on monthly basis, to view the latest addendum on Risk-o-meter, please visit addenda section on https://utimf.com/forms-and-downloads/
Information Classification: UTI AMC - Confidential Information Classification: UTI AMC - Confidential Thank You The information contained in this document is for general purposes only and is not an offer to sell or a solicitation to buy/ sell any mutual fund units / securities. The information / data here in alone are not sufficient and should not be used for the development or implementation of an investment strategy. The same should not be construed as investment advice to any party. The information on this document is provided for information purposes only. It does not constitute any offer, recommendation or solicitation to any person to enter into any transaction or adopt any hedging, trading or investment strategy, nor does it constitute any prediction of likely future movements in rates or prices or any representation that any such future movements will not exceed those shown in any illustration. Users of this document should seek advice regarding the appropriateness of investing in any securities, financial instruments or investment strategies referred to on this document and should understand that statements regarding future prospects may not be realized. The recipient of this material is solely responsible for any action taken based on this material. Opinions, projections and estimates are subject to change without notice. UTI AMC Ltd is not an investment adviser, and is not purporting to provide you with investment, legal or tax advice. UTI AMC Ltd or UTI Mutual Fund (acting through UTI Trustee Company Pvt. Ltd) accepts no liability and will not be liable for any loss or damage arising directly or indirectly (including special, incidental or consequential loss or damage) from your use of this document, howsoever arising, and including any loss, damage or expense arising from, but not limited to, any defect, error, imperfection, fault, mistake or inaccuracy with this document, its contents or associated services, or due to any unavailability of the document or any part thereof or any contents or associated services. REGISTERED OFFICE: UTI Tower, ‘Gn’ Block, Bandra Kurla Complex, Bandra (E), Mumbai - 400051. Phone: 022 – 66786666. UTI Asset Management Company Ltd (Investment Manager for UTI Mutual Fund) Email: invest@uti.co.in. (CIN-L65991MH2002PLC137867). For more information, please contact the nearest UTI Financial Centre or your AMFI/NISM certified Mutual Fund Distributor (MFD) for a copy of the Statement of Additional Information, Scheme Information Document and Key Information Memorandum cum Application Form. Mutual Fund Investments are subject to market risks, read all scheme related documents carefully.

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UTI Long Term Equity Fund (Tax Saving) | Invest in ELSS | UTI Mutual Fund

  • 1.
    Information Classification: UTIAMC - Confidential Information Classification: UTI AMC - Confidential This product is suitable for investors who are seeking*: • Long term capital appreciation • Investment in equity instruments of companies that are believed to have growth potential * Investors should consult their financial advisers if in doubt about whether the product is suitable for them UTI Long Term Equity Fund (Tax Saving) (An open ended equity linked saving scheme with a statutory lock in of 3 years and tax benefit) SCHEME CATEGORY STOCK CONCENTRATION INVESTMENT STYLE RISK / REWARD POTENTIAL BENCHMARK LOWER RISK LOWER REWARD MODERATE RISK MODERATE REWARD HIGHER RISK HIGH REWARD Low Concentration (> 60 stocks) Moderate Concentration (40 - 60 stocks) High Concentration (<40 stocks) Market Cap based Fund Style based Fund Dividend Yield Fund Sector Fund ELSS Growth Blend Value S&P BSE 100 TRI Nifty 500 TRI MUTUAL FUND INVESTMENTS ARE SUBJECT TO MARKET RISKS, READ ALL SCHEME RELATED DOCUMENTS CAREFULLY.
  • 2.
    Information Classification: UTIAMC - Confidential Information Classification: UTI AMC - Confidential POWERED BY TEAM PROCESS STRATEGIES MUTUAL FUND INVESTMENTS ARE SUBJECT TO MARKET RISKS, READ ALL SCHEME RELATED DOCUMENTS CAREFULLY  Team driven approach  Discussion & Review  Standardized research methodology  Identifying good stocks, avoiding poor stocks  Consistency over time  Support diverse strategies  Style discipline – mandate & style drive the choice of stocks across the OCF & RoCE tiers Companies get Operating Cash Flow (OCF) & Return on Capital Employed (RoCE) ratings based on their previous 5 years financials 3 Tier Rating System C1 C2 C3 OCF Rating LOW HIGH CONSISTENCY R1 R2 R3 RoCE Rating LOW HIGH CONSISTENCY Operating Cash Flow (OCF) Tiers - 3 Tiers (C1/ C2/ C3) based on the number of years in which they have generated positive operating cash flows in the previous 5 years (for manufacturing companies). Return on Capital Employed (RoCE) / Implied Return on Equity (RoE) Tiers - 3 Tiers (R1/ R2/ R3) based on the previous 5-year average return on capital (for manufacturing companies & non-lending nonbanking finance companies (NBFCs)) & based on the previous 5-year average return on asset for banks & NBFCs (including housing finance companies).
  • 3.
    Information Classification: UTIAMC - Confidential Information Classification: UTI AMC - Confidential What are your Investment Objectives? CAN I ALSO SAVE TAX UPTO ` 46,800/-* *As per the prevailing tax laws for FY 2023, eligible investors (Individual/ HUF) are entitled to deduction from their gross total income, of the amount invested in equity linked saving scheme (ELSS) upto Rs. 1,50,000/- (along with other prescribed investments) under Section 80C of the Income Tax Act, 1961. Tax savings of Rs. 46,800/- shown above is calculated for the highest income tax slab whose income is exceeding Rs. 10 Lakhs but below Rs. 50 Lakhs in a year (taxed at 30% + applicable educational cess). Tax benefits are subject to the provisions of the Income Tax Act, 1961 and are subject to amendments, from time to time. 3 Wealth Creation Income Generation Life Insurance Liquidity / Emergency
  • 4.
    Information Classification: UTIAMC - Confidential Information Classification: UTI AMC - Confidential How much TAX do you SAVE? Income estimates for an individual less than 60 years of age. The above simulation is for illustration purpose only. As per the present tax laws, eligible investors (individual/ HUF) are entitled to deduction from their gross total income, of the amount invested in equity linked saving scheme (ELSS) upto Rs. 1,50,000/- (along with other prescribed investments) under Section 80C of the Income Tax Act, 1961. Tax benefits are subject to the provisions of the Income Tax Act, 1961 and are subject to amendments, from time to time. Exemptions and Deductions – Standard deduction is Rs. 50,000 and HRA is Rs. 1,00,000 The exemption on HRA is calculated as per 2A of Income Tax Rules. As per Rule 2A, the least of the following is exempted from salary under Section 10(13A) and does not form part of the taxable income. (i) Actual HRA received from employer. (ii) For those living in metro cities: 50% of (Basic salary + Dearness allowance)For those living in non-metro cities: 40% of (Basic salary + Dearness allowance). (iii) Actual rent paid minus 10% of (Basic salary + Dearness allowance) Illustration on Tax Saved in Old Regime vs New Assumed Income Tax Rate - 30% New Regime (`) Old Regime Tax Rebate Not Availed (`) Tax Rebate Availed (`) Gross Income from Salary 15,00,000 15,00,000 15,00,000 Exemptions & Deductions (HRA + Standard Deduction) - 1,50,000 1,50,000 Deductions: Investment in UTI LTEF (Tax Saving) - - 1,50,000 Net Taxable Income 15,00,000 13,50,000 12,00,000 Net Tax Liability 1,87,500 2,17,500 1,72,500 Health & Education Cess @ 4% 7,500 8,700 6,900 Total Tax Liability 1,95,000 2,26,200 1,79,400 Tax Saved (in Old Regime) - 46,800 Old Regime vs New Regime (31,200) 15,600 4 Tax saved v/s new regime Tax saved in old regime
  • 5.
    Information Classification: UTIAMC - Confidential Information Classification: UTI AMC - Confidential Multiple Options: Under Section 80C of Income Tax Act, 1961 PPF- Public Provident Fund, EPF- Employees Provident Fund, VPF - Voluntary Provident Fund, NSC - National Savings Certificate, Tax Saving Bank FDs – Tax Saving Bank Fixed Deposits Equity Linked Savings Schemes (ELSS) USE THE RIGHT DOOR TO MEET YOUR FINANCIAL GOAL! Wealth Creation + Tax Saving EQUITY FIXED INCOME OTHERS PPF/EPF/VPF/NSC Tax Saving Bank FDs, PO Time Deposits, Senior Citizen Savings Income + Tax Saving Insurance & Pension Plans (by MFs & Insurance Co.) Life Cover, Retirement etc, FOCUS PRODUCT 5
  • 6.
    Information Classification: UTIAMC - Confidential Information Classification: UTI AMC - Confidential How does it compare with other tax saving options? Tax Saving options Minimum Investment Amount (`) Tenure / Lock in period Interest / Return Mode of Contribution Maturity Amount Taxability Equity Linked Savings Scheme (ELSS) 500/- 3 Years Market linked* Lump Sum / SIP (Monthly / Quarterly) LTCG taxable @ 10%$$ Public Provident Fund (PPF) 500/- 15 Years** Fixed# Lump Sum / Monthly& Maturity amount with interest accrued is tax free Tax-Saving Term Deposit with Scheduled Banks 1000/-$ 5 Years Fixed Lump Sum Interest is added to income and Taxed accordingly Infrastructure Bonds 5000/- 3-10 Years Fixed Lump Sum Interest is added to income and Taxed accordingly National Savings Certificate (NSC) 100/- 5 Years Fixed# Lump Sum Interest is added to income and Taxed accordingly## 6 *Market linked – Returns are subject to market risk. $ - Limits as per SBI Tax Saving Scheme - 2006 ** Premature withdrawal under PPF is available from 7th financial year. However, the full amount can be withdrawn after 15 years. # Reviewed periodically. ## The interest portion reinvested is also eligible for tax rebate u/s 80C of IT Act, 1961 Tax benefits are subject to the provisions of the Income Tax Act, 1961 and are subject to amendments, from time to time. For more information on the tax provisions, please refer to prevailing IT laws . SIP – Systematic Investment Plan, STT - Security Transaction Tax, LTCG – Long Term Capital Gain $$ - Long term capital gains accrued from selling equity shares and equity-oriented mutual funds are exempt from tax up to Rs 1 lakh in a financial year. The gains in excess of ` 1 lakh are taxed at flat 10% & One may opt for standing instructions for regular contribution into a PPF account, however can not exceed 12 contributions in a financial year.
  • 7.
    Information Classification: UTIAMC - Confidential Information Classification: UTI AMC - Confidential ELSS – A tax-efficient Multicap tool to optimize your portfolio ELSS Tax benefits under Section 80C Only 3 years lock- in period Benefit on Long term capital gains High Return potential* SIP Facility * Subject to market risk. **Tax free dividends as per the prevailing tax laws, pursuant to payment of dividend/issue of Bonus units, the NAV of the respective options of the Schemes would fall to the extent of payout and statutory levy (if applicable) ELSS – Equity Linked Saving Scheme, SIP – Systematic Investment Plan Tax benefits u/s 80C under the Income Tax Act, 1961, exemptions are subject to prevailing tax laws 7
  • 8.
    Information Classification: UTIAMC - Confidential Information Classification: UTI AMC - Confidential -56% -19% -8% -3% 5% 7% 8% 263% 83% 55% 35% 28% 22% 20% -70% -50% -30% -10% 10% 30% 50% 70% 90% 110% 1 Year 3 Years 5 Years 10 Years 15 Years 20 Years 25 Years Lowest Returns Highest Returns Average Returns Holding equity investments over time reduces the downside risk Rolling Returns with daily frequency of S&P BSE Sensex at different time frame as illustrated above (Data: January 1, 1981 to December 31, 2022). CAGR – Compounded Annual Growth Rate. Source: MFI Explorer Long term investment reduces the probability of negative returns In Percentage Average Returns (%) Rolling returns of S&P BSE Sensex 8 28% 12% 8% 1% 0% 0% Rolling Returns Probability of Negative Returns 0% 19% 15% 16% 15% 15% 14% 15%
  • 9.
    Information Classification: UTIAMC - Confidential Information Classification: UTI AMC - Confidential Product Spectrum on Risk v/s Return Grid (Active Funds) 9 UTI LTEF (Tax Saving) – UTI Long Term Equity Fund (Tax Saving); UTI B&FS Fund – UTI Banking & Financial Services Fund; UTI T&L Fund – UTI Transportation & Logistics Fund The above representation is only for understanding purpose, one should not constitute portfolio only based on the above and advised to approach their financial advisors based on the investors respective risk profile before making investment decisions. UTI Value Opportunities Fund UTI Mastershare Unit Scheme UTI LTEF (Tax Saving) UTI Flexi Cap Fund UTI Mid Cap Fund UTI Dividend Yield Fund UTI MNC Fund UTI Small Cap Fund UTI India Consumer Fund UTI T&L Fund UTI Healthcare Fund UTI B&FS Fund UTI Infrastructure Fund CORE ALLOCATION CORE SATELLITE ALLOCATION TACTICAL ALLOCATION RISK / STANDARD DEVIATION RETURN POTENTIAL UTI Core Equity Fund UTI Focused Equity Fund
  • 10.
    Information Classification: UTIAMC - Confidential Information Classification: UTI AMC - Confidential Investment Strategy – Strike a balance between risk & return Sustainable Businesses The core of portfolio invests in companies with long-term sustainable growth Transformation Opportunities Pick businesses where strategy is being realigned to make the outcomes more sustainable Cyclical Opportunities Pick cyclicals when valuations are attractive and benefit from mean reversion Follows a blend of Growth and Value style
  • 11.
    Information Classification: UTIAMC - Confidential Information Classification: UTI AMC - Confidential Exclusion Filter – What to avoid in the portfolio PORTFOLIO EXCLUSIONS Inferior RoCE Businesses which through a cycle generate RoCE lower than cost of capital Inconsistent Cash flows Poor OCF generation Sustainability Challenges Poor visibility of earnings sustainability or growth run way High Leverage Companies with high debt Management Issues Corporate Governance & Minority shareholder issues RoCE – Return on Capital Employed, OCF – Operating Cash Flow
  • 12.
    Information Classification: UTIAMC - Confidential Information Classification: UTI AMC - Confidential Market Cap Internal Limits Portfolio Turnover Biased to Large cap stocks Preferred Allocation: Large Cap: 55-65%, Mid/Small Caps: 35-45% Single Sector – Lower of 35% or Benchmark plus 12% Single Stock – Maximum of 10% Top 10 Stocks – Maximum of 55% 05 Investment Style 01 Blend Preference for companies with consistent cash flow generation, healthy balance sheet and reasonable valuations Stock/Sector Selection 02 03 04 Blend Approach Top-down for Sector selection & Bottom-up for Stock selection Low to Moderate Churn Low to moderate churn portfolio Investment Framework 12
  • 13.
    Information Classification: UTIAMC - Confidential Information Classification: UTI AMC - Confidential UTI Long Term Equity Fund (Tax Saving) – Fund Facts An open ended equity linked saving scheme with a statutory lock in of 3 years and tax benefit Type of scheme 15th December, 1999 Fund Inception Fund Manager Nifty 500 TRI Benchmark ` 500/- and in multiples of ` 500/- Subsequent min. investment, ` 500/- and in multiples of ` 500/- Minimum Investment Mr. Vishal Chopda, CFA, BE, PGDM (Managing since Aug 2019) Investment Objective The primary objective of the scheme is to invest predominantly in equity and equity related securities of companies across the market capitalization spectrum. Securities shall also include fully/ partly convertible debentures/ bonds. Asset Allocation Instruments Indicative Allocation (% of total assets) Risk Profile Minimum Allocation (%) Maximum Allocation (%) Equity and Equity Related Instruments 80 100 Medium to High Money Market instruments and other liquid instruments 0 20 Low to Medium 13
  • 14.
    Information Classification: UTIAMC - Confidential Information Classification: UTI AMC - Confidential Fund Size: Monthly Avg. AuM: ` 2,959 Crores Last Day AuM : ` 2,913 Crores No. of Unit Folios : 2,71,593 Fund Snapshot Market Capitalisation (%) Quantitative Indicators 55 No. of Stocks 31.57% / 43.71% Top 5 / Top10 Stocks Fund Facts (contd.) OCF C1 : 94% C2 : 5% C3 : 1% ROCE R1 : 52% R2 : 29% R3 : 19% Portfolio Composition# Fund BM Beta : 0.94 1.00 SD (3 Years) : 20.57% 21.50% PTR (Annual) : 26.00% - Sharpe Ratio : 0.44 - Fund BM Large : 67 78 Mid : 20 14 Small : 13 8 Nifty 500 TRI UTI Long Term Equity Fund (Tax Saving) Active Share : 66.47% 14 Price to Earnings Price to Book Return on Equity Avg. AuM – Average Asset under Management, SD – Standard Deviation, PTR – Portfolio Turnover Ratio, Market cap – Market Capitalisation, ROCE – Return on Capital Employed. # Operating Cash Flow Tiers (C)- 3 Tiers based on the number of years in which they have generated positive operating cash flows in the previous 5 years (for manufacturing companies). RoCE/ Implied RoE Tiers (R) - 3 Tiers based on the previous 5 year average return on capital (for manufacturing companies & non-lending non banking finance companies (NBFCs)) & based on the previous 5 year average return on asset for banks & NBFCs (including housing finance companies). All data are as of December 31, 2022 9.02 7.95 33.28 35.11 18.48 17.50
  • 15.
    Information Classification: UTIAMC - Confidential Information Classification: UTI AMC - Confidential Portfolio Equity Top 20 Holdings STOCK NAME SECTOR % to NAV Act. Wt % ICICI BANK LTD FINANCIAL SERVICES 8.34 3.19 HDFC BANK LIMITED FINANCIAL SERVICES 8.28 2.34 INFOSYS LTD. IT 6.28 1.70 AXIS BANK LTD. FINANCIAL SERVICES 5.05 2.96 BHARTI AIRTEL LTD. TELECOMMUNICATION 3.62 1.95 STATE BANK OF INDIA FINANCIAL SERVICES 3.08 1.13 BAJAJ FINANCE LTD. FINANCIAL SERVICES 2.50 1.05 MARUTI SUZUKI INDIA LTD. AUTO & AUTO COMPO 2.45 1.53 GODREJ CONSUMER PROD FMCG 2.11 1.84 PHOENIX MILLS LTD REALTY 2.00 1.89 ULTRATECH CEMENT LTD. CONSTRUCTION MAT 1.93 1.26 C. G. CONSUMER ELECTRICAL CONSUMER DURABLES 1.92 1.75 HINDALCO INDUSTRIES LTD. METALS & MINING 1.84 1.27 AVENUE SUPERMARTS LTD. CONSUMER SERVICES 1.77 1.29 CHOLA INVESTMENT & FINANCE FINANCIAL SERVICES 1.77 1.53 ICICI LOMBARD GEN INSURANC FINANCIAL SERVICES 1.68 1.42 METRO BRANDS LTD CONSUMER DURABLES 1.68 1.66 EICHER MOTORS LTD AUTO & AUTO COMPO 1.65 1.28 UNITED BREWERIES LTD. FMCG 1.65 1.55 NESTLE INDIA LTD. FMCG 1.64 1.06 Portfolio above shows Top 20 equity holdings under the scheme, for detailed portfolio visit www.utimf.com Act. Wt % - Active Weight % (as compared to the Benchmark Index – Nifty 500 TRI) Data as of December 31, 2022 Small Cap Holdings STOCK NAME SECTOR % to NAV CARBORANDUM UNIVERSAL LTD. CAPITAL GOODS 1.46 CESC LTD. POWER 1.44 AJANTA PHARMA LTD. HEALTHCARE 1.33 MTAR TECHNOLOGIES LTD CAPITAL GOODS 1.31 CANFIN HOMES LTD. FINANCIAL SERVICES 1.18 JAMNA AUTO INDUSTRIES LTD. AUTO & AUTO COMPO 1.04 FIRSTSOURCE SOLUTIONS LTD. IT 1.02 ISGEC HEAVY ENGINEERING LTD CONSTRUCTION 0.96 BARBEQUE NATION HOSPITALITY CONSUMER SERVICES 0.86 METROPOLIS HEALTHCARE LTD HEALTHCARE 0.85 PRAJ INDUSRIES LTD. CAPITAL GOODS 0.84 SHEELA FOAM LTD. CONSUMER DURABLES 0.79 15
  • 16.
    Information Classification: UTIAMC - Confidential Information Classification: UTI AMC - Confidential Portfolio Snapshot Sectoral Breakdown (%) (As compared to Benchmark) Act. Wt % - Active Weight % (as compared to the Benchmark Index – Nifty 500 TRI Data as of December 31, 2022 Active Stock Position (As compared to Benchmark) Overweight (Top 5) Underweight (Top 5) STOCK NAME SECTOR % to NAV Act. Wt % ICICI BANK LTD FINANCIAL SERVICES 8.34 3.19 AXIS BANK LTD. FINANCIAL SERVICES 5.05 2.96 HDFC BANK LTD FINANCIAL SERVICES 8.28 2.34 BHARTI AIRTEL LTD. TELECOMMUNICATION 3.62 1.95 PHOENIX MILLS LTD REALTY 2.00 1.89 STOCK NAME SECTOR % to NAV Act. Wt % RELIANCE INDUSTRIES LTD. OIL, GAS & CONSUMABLE FUELS - 7.28 HDFC LTD. FINANCIAL SERVICES - 3.94 TCS LTD. IT - 2.76 KOTAK MAHINDRA BANK FINANCIAL SERVICES - 2.19 LARSEN & TOUBRO LTD. CONSTRUCTION - 2.09 16 Active Weight 0.00 0.00 0.00 0.00 0.96 1.27 1.44 1.84 1.93 2.11 3.07 3.62 5.34 5.39 5.73 7.07 7.47 9.10 9.88 32.62 -0.09 -0.36 -1.35 -0.45 -1.41 -9.15 -1.59 -1.73 -0.42 -0.58 2.27 1.46 1.68 0.44 2.22 4.61 -0.52 3.65 -0.98 1.21 0 10 20 30 40 50 60 DIVERSIFIED MEDIA, ENTERT & PUBLICATION SERVICES TEXTILES CONSTRUCTION OIL, GAS & CONSUMABLE FUELS POWER METALS & MINING CONSTRUCTION MATERIALS CHEMICALS REALTY TELECOMMUNICATION CONSUMER DURABLES HEALTHCARE CAPITAL GOODS CONSUMER SERVICES FMCG AUTO & AUTO COMPONENTS IT FINANCIAL SERVICES UTI - Long Term Equity Fund ( Tax Saving )
  • 17.
    Information Classification: UTIAMC - Confidential Information Classification: UTI AMC - Confidential Portfolio Commentary 17 FMCG – Fast Moving Consumer Goods; IT – Information Technology; CV – Commercial Vehicles; PLI – Performance Linked Incentive Financial Services: The Fund is overweight in private sector banks and underweight in public sector banks. It remains confident of the liability franchise and asset quality of large private banks on a relative basis. It is also positive on the general insurance sector, given the under penetration across segments. Consumer (FMCG/ Durables/ Services): The Fund is overweight in Consumer Durables and Consumer Services. It is positive on domestic consumption over the medium to long term, given low penetration levels and rising per capital income. It has added weight in a FMCG company with diversified product segment led by ayurveda/naturals and alcohol company with market leadership in its segment. The Fund reduced weight in another FMCG company where it believes there could be growth challenges over the medium term. IT: The sector has seen sharp correction in the last year due to US Fed rate hikes impacting valuation multiples and risks of slowdown in US and Europe. The Fund will look to reduce underweight position on further valuation correction. Automobile & Automobile Components: The Automobile sector, after going through a downturn for the last 3-4 years, is showing signs of recovery. Commodities (input cost) have also seen correction in the past few months, giving good visibility on margin recovery. The Fund continues to remain positive on the sector and increased weight in the largest domestic four-wheeler player. Capital Goods: The sector is expected to do well post muted growth over the last many years with the Government focusing on increasing manufacturing in India with multiple PLI schemes. However, due to recent run up, valuations have become expensive, and the fund reduced its overweight exposure in the sector.
  • 18.
    Information Classification: UTIAMC - Confidential Information Classification: UTI AMC - Confidential Rolling Return Analysis 18 Rolling Returns with daily frequency of UTI Long Term Equity Fund (Tax Saving) at different time frame as mentioned above. CAGR – Compounded Annual Growth Rate. Data period: December 31, 2007 to December 31, 2022. Different plans have a different expense structure. The performance details provided herein are of regular plan. Past performance may or may not be sustained in future. Rolling Returns of UTI Long Term Equity Fund (Tax Saving) – 15 Years Period Median Rolling Returns (CAGR) Probability of -ve Returns Over 8% 24.0% 5.3% 0.9% 57.2% 67.2% 79.3% 0.0% 89.5% -56% -6% -2% 5% 91% 25% 19% 16% -70% -50% -30% -10% 10% 30% 50% 70% 90% 110% 1 Year 3 Years 5 Years 10 Years Lowest Highest Median 9% 12% 13% 12%
  • 19.
    Information Classification: UTIAMC - Confidential Information Classification: UTI AMC - Confidential  One time investment of Rs. 10,000/- made at the time of launch of the Scheme i.e., December 15, 1999  Total Value of investment under UTI LTEF (Tax Saving) – Rs. 2,23,394/- as against Rs. 1,97,887/- under Nifty 500 TRI ` 10,000 Invested at Inception: UTI Long Term Equity Fund (Tax Saving) Vs Nifty 500 TRI Performance Track Record 19 ` 1.98 Lakhs CAGR 13.82% ` 2.23 Lakhs CAGR 14.42% 5,000 20,000 35,000 50,000 65,000 80,000 95,000 1,10,000 1,25,000 1,40,000 1,55,000 1,70,000 1,85,000 2,00,000 2,15,000 2,30,000 2,45,000 2,60,000 Dec-01 Dec-02 Dec-03 Dec-04 Dec-05 Dec-06 Dec-07 Dec-08 Dec-09 Dec-10 Dec-11 Dec-12 Dec-13 Dec-14 Dec-15 Dec-16 Dec-17 Dec-18 Dec-19 Dec-20 Dec-21 Dec-22 UTI Long Term Equity Fund (Tax Saving) Nifty 500 TRI
  • 20.
    Information Classification: UTIAMC - Confidential Information Classification: UTI AMC - Confidential B - Benchmark, AB - Additional Benchmark, TRI - Total Return Index Past performance may or may not be sustained in future. Different plans shall have a different expense structure. The performance details provided herein are of regular plan (growth option). Returns greater than 1 year period are Compound Annual Growth Rate (CAGR). Inception of UTI Long Term Equity Fund (Tax Saving) : December 15th, 1999. Date of allotment in the scheme/plan has been considered for inception date. The Scheme is currently managed by Mr. Vishal Chopda since Aug-2019. Period for which scheme’s performance has been provided is computed basis last day of the month-end preceding the date of advertisement. Performance Track Record (Contd.) 20 UTI Long Term Equity Fund (Tax Saving) Performance Vs Benchmark as of 31/12/2022 Period Fund Performance Vs Benchmark Growth of ` 10,000/- Scheme Returns (%) B: Nifty 500 TRI (%) AB: Nifty 50 TRI (%) Scheme Returns (`) B: Nifty 500 TRI (`) AB: Nifty 50 TRI (`) 1 Year -3.49 4.25 5.69 9,651 10,425 10,569 3 Years 15.56 17.36 15.51 15,438 16,171 15,418 5 Years 9.76 11.51 12.85 15,934 17,246 18,308 Since Inception 14.42 13.82 13.28 2,23,394 1,97,887 1,77,333 Performance of other open-ended schemes managed by the Fund Manager Mr. Vishal Chopda Scheme Inception Date Managing the Fund Since Benchmark 1 Year (%) 3 Years (%) 5 Years (%) Fund Benchmar k Fund Benchmark Fund Benchmar k UTI Focused Equity Fund 26-Aug-21 May-22 Nifty 500 TRI -0.41 4.25 - - - - UTI India Consumer Fund 30-Jul-07 Aug-19 Nifty India Consumption -2.33 8.53 12.45 16.46 7.97 9.46 UTI CCF – Savings Plan 12-July-93 Aug-19 CRISIL Short Term Debt Hybrid 60+40 2.67 4.68 9.77 11.21 6.27 9.61 UTI CCF – Investment Plan 30-Jan-08 Aug-19 Nifty 500 TRI -4.01 4.25 14.99 17.36 9.16 11.51 a. Mr. Vishal Chopda manages 5 open-ended schemes of UTI Mutual Funds. Period for which scheme’s performance has been provided is computed basis last day of the month-end preceding the date of advertisement. b. Different plans shall have a different expense structure. The performance details provided herein are of Growth Option (Regular Plan). c. Date of allotment in the scheme/plan has been considered for inception date.
  • 21.
    Information Classification: UTIAMC - Confidential Information Classification: UTI AMC - Confidential •Investment of up to Rs. 1.50 lakh in the scheme is eligible for tax benefits under sec 80C of the Income Tax Act 1961 Tax Advantage* •Over 22 years of performance track record across market cycles Performance across life cycle •Scheme follows a well defined investment criteria that limits excessive concentration at sector and stock level Active Portfolio Management 21 * As per the present tax laws, eligible investors (individual/ HUF) selecting the old regime of tax slabs are entitled to deduction from their gross total income, of the amount invested in equity linked saving scheme (ELSS) upto Rs. 1,50,000/- (alongwith other prescribed investments) under Section 80C of the Income Tax Act, 1961. Tax benefits are subject to the provisions of the Income Tax Act, 1961 and are subject to amendments, from time to time. Exemptions and Deductions – Standard deduction is Rs. 50,000 and HRA is Rs. 1,00,000 Data as on September 30, 2022 Why Invest in UTI Long Term Equity Fund (Tax Saving)? 21
  • 22.
    Information Classification: UTIAMC - Confidential Information Classification: UTI AMC - Confidential Name of the Scheme This product is suitable for investors who are seeking* Riskometer of Fund# Riskometer of Benchmark UTI Mastershare Unit Scheme (An open ended equity scheme predominantly investing in large cap stocks) • Long term capital appreciation • Investment predominantly in equity instruments of large cap companies S&P BSE 100 TRI UTI Core Equity Fund (An open ended equity scheme investing in both large cap and mid cap stocks) • Long term capital appreciation • Investment predominantly in equity instruments of both large cap and mid cap companies Nifty Large Midcap 250 TRI UTI Mid Cap Fund (An open ended equity scheme predominantly investing in mid cap stocks) • Long term capital appreciation • Investment predominantly in mid cap companies Nifty Midcap 150 TRI UTI Value Opportunities Fund (An open ended equity scheme following a value investment strategy) • Long term capital appreciation • Investment in equity instruments following a value investment strategy across the market capitalization spectrum Nifty 500 TRI UTI Flexi Cap Fund (An open ended dynamic equity scheme investing across large cap, mid cap, small cap stocks) • Long term capital appreciation • Investment in equity instruments of companies with good growth prospects across the market capitalization spectrum Nifty 500 TRI UTI Small Cap Fund (An open ended equity scheme predominantly investing in small cap stocks) • Long term capital appreciation • Investment predominantly in equity and equity related securities of small cap companies Nifty Small Cap 250 TRI UTI Dividend Yield Fund (An open ended equity scheme predominantly investing in dividend yielding stocks) • Long term capital appreciation • Investment predominantly in dividend yielding equity and equity related securities Nifty 500 TRI UTI Focused Equity Fund (An open ended equity scheme investing in maximum 30 stocks across market caps) • Long term capital growth • Investment in equity and equity related securities across market capitalisation in maximum 30 stocks Nifty 500 TRI *Investors should consult their financial advisers if in doubt about whether the product is suitable for them. Product Label #Risk-o-meter for the fund is based on the portfolio ending December 31, 2022. The Risk-o-meter of the fund/s is/are evaluated on monthly basis and any changes to Risk-o-meter are disclosed vide addendum on monthly basis, to view the latest addendum on Risk-o-meter, please visit addenda section on https://utimf.com/forms-and-downloads/
  • 23.
    Information Classification: UTIAMC - Confidential Information Classification: UTI AMC - Confidential Name of the Scheme This product is suitable for investors who are seeking* Riskometer of Fund# Riskometer of Benchmark UTI Infrastructure Fund (An open ended equity scheme following the Infrastructure theme) • Long term capital appreciation • Investment predominantly in equity and equity related securities of companies forming part of the infrastructure sector Nifty Infrastructure TRI UTI MNC Fund (An open ended equity following the theme of investing predominantly in equity and equity related securities of Multi-National Companies) • Long term capital appreciation • Investment predominantly in equity and equity related securities of Multi-National companies Nifty MNC TRI UTI India Consumer Fund (An open ended equity scheme following the theme of changing consumer aspirations, changing lifestyle and growth of consumption) • Long term capital growth • Investment in equity instruments of companies that are expected to benefit from of the changing consumer aspirations, changing lifestyle and growth of consumption Nifty India Consumption TRI UTI Banking and Financial Services Fund (An open ended equity scheme investing in Banking and Financial Services Sector) • Long term capital appreciation • Investment predominantly in equity and equity related securities of companies engaged in banking and financial services activities. Nifty Financial Services TRI UTI Healthcare Fund (An open ended equity scheme investing in the Healthcare Services Sector) • Long term capital appreciation • Investment predominantly in equity and equity related securities in the Healthcare Services sector. S&P BSE Healthcare TRI UTI Transportation and Logistics Fund (An open ended equity scheme investing in transportation and logistics sector) • Long term capital appreciation • Investment predominantly in equity and equity related securities of the companies engaged in the transportation and logistics sector Nifty Transportation & Logistrics TRI UTI Long Term Equity Fund (Tax Saving) (An open ended equity linked saving scheme with a statutory lock in of 3 years and tax benefit) • Long term capital growth • Investment in equity instruments of companies that are believed to have growth potential Nifty 500 TRI *Investors should consult their financial advisers if in doubt about whether the product is suitable for them. Product Label #Risk-o-meter for the fund is based on the portfolio ending December 31, 2022. The Risk-o-meter of the fund/s is/are evaluated on monthly basis and any changes to Risk-o-meter are disclosed vide addendum on monthly basis, to view the latest addendum on Risk-o-meter, please visit addenda section on https://utimf.com/forms-and-downloads/
  • 24.
    Information Classification: UTIAMC - Confidential Information Classification: UTI AMC - Confidential Name of the Scheme This product is suitable for investors who are seeking* Riskometer of Fund# Riskometer of Benchmark UTI Children’s Career Fund – Savings Plan (An open ended fund for investment for children having a lock-in for at least 5 years or till the child attains age of majority (whichever is earlier)) • Long term capital appreciation • Investment in equity instruments (maximum-40%) and debt instruments CRISIL Short Term Debt Hybrid 60+40 Fund Index UTI Children’s Career Fund – Investment Plan (An open ended fund for investment for children having a lock-in for at least 5 years or till the child attains age of majority (whichever is earlier)) • Long term capital appreciation • Investment in equity instruments (above 70%) and debt instruments Nifty 500 TRI UTI Retirement Benefit Pension Fund (An open ended retirement solution oriented scheme having a lock-in of 5 years or till retirement age (whichever is earlier) • Long term capital appreciation • Investment in equity instruments (maximum - 40%) and debt/money market instruments CRISIL Short Term Debt Hybrid 60+40 Fund Index UTI Regular Savings Fund (An open ended hybrid scheme investing predominantly in debt instruments) • Long-term capital appreciation and regular income over medium-term • Investment in equity instruments (maximum 25%) and fixed income securities (debt and money market securities) Nifty 50 Hybrid Composite Debt 15:85 Index UTI Unit Linked Insurance Plan (An open ended tax saving cum insurance scheme) • Long term capital appreciation • Investment in equity instruments (maximum - 40%) and debt instruments Nifty 50 Hybrid Composite Debt 50:50 Index UTI Hybrid Equity Fund (An open ended hybrid scheme investing predominantly in equity and equity related instruments) • Long term capital appreciation • Investment in equity instruments (maximum - 80%) and fixed income securities (debt and money market securities) CRISIL Hybrid 35+65 Aggressive Index UTI Equity Savings Fund An open ended scheme investing in equity, arbitrage and debt • Long term capital appreciation and income • Investment in equity & equity related instruments, arbitrage opportunities, and investments in debt and money market opportunities CRISIL Equity Savings Index Product Label 24 *Investors should consult their financial advisers if in doubt about whether the product is suitable for them. #Risk-o-meter for the fund is based on the portfolio ending December 31, 2022. The Risk-o-meter of the fund/s is/are evaluated on monthly basis and any changes to Risk-o-meter are disclosed vide addendum on monthly basis, to view the latest addendum on Risk-o-meter, please visit addenda section on https://utimf.com/forms-and-downloads/
  • 25.
    Information Classification: UTIAMC - Confidential Information Classification: UTI AMC - Confidential Thank You The information contained in this document is for general purposes only and is not an offer to sell or a solicitation to buy/ sell any mutual fund units / securities. The information / data here in alone are not sufficient and should not be used for the development or implementation of an investment strategy. The same should not be construed as investment advice to any party. The information on this document is provided for information purposes only. It does not constitute any offer, recommendation or solicitation to any person to enter into any transaction or adopt any hedging, trading or investment strategy, nor does it constitute any prediction of likely future movements in rates or prices or any representation that any such future movements will not exceed those shown in any illustration. Users of this document should seek advice regarding the appropriateness of investing in any securities, financial instruments or investment strategies referred to on this document and should understand that statements regarding future prospects may not be realized. The recipient of this material is solely responsible for any action taken based on this material. Opinions, projections and estimates are subject to change without notice. UTI AMC Ltd is not an investment adviser, and is not purporting to provide you with investment, legal or tax advice. UTI AMC Ltd or UTI Mutual Fund (acting through UTI Trustee Company Pvt. Ltd) accepts no liability and will not be liable for any loss or damage arising directly or indirectly (including special, incidental or consequential loss or damage) from your use of this document, howsoever arising, and including any loss, damage or expense arising from, but not limited to, any defect, error, imperfection, fault, mistake or inaccuracy with this document, its contents or associated services, or due to any unavailability of the document or any part thereof or any contents or associated services. REGISTERED OFFICE: UTI Tower, ‘Gn’ Block, Bandra Kurla Complex, Bandra (E), Mumbai - 400051. Phone: 022 – 66786666. UTI Asset Management Company Ltd (Investment Manager for UTI Mutual Fund) Email: invest@uti.co.in. (CIN-L65991MH2002PLC137867). For more information, please contact the nearest UTI Financial Centre or your AMFI/NISM certified Mutual Fund Distributor (MFD) for a copy of the Statement of Additional Information, Scheme Information Document and Key Information Memorandum cum Application Form. Mutual Fund Investments are subject to market risks, read all scheme related documents carefully.