Information Classification: UTI AMC - Confidential

THREE JEWELS IN ONE INVESTMENT

Presenting UTI Equity Savings Fund
Growth | Income | Tax Efficiency#

Give a missed call on 8655019940

or SMS 'UTIESF' to 5676756
UTI Equity Savings Fund is an open ended scheme investing in equity, arbitrage and debt.
#Tax benefit is applicable as per equity mutual fund schemes. Information provided is applicable for the financial year 2022-23, as per the Finance Bill 2021.

UTI Equity Savings Fund Riskometer

This product is suitable for investors who are seeking*: Fund Benchmark
•Long term capital appreciation and income
•Investment in equity & equity related instruments, arbitrage opportunities, and investments in debt and
money market opportunities
*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/

MUTUAL FUND INVESTMENTS ARE SUBJECT TO MARKET RISKS, READ ALL SCHEME RELATED DOCUMENTS CAREFULLY.
Information Classification: UTI AMC - Confidential
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Presentation flow
Advantage -
01 Equity Saving
Fund
05 Scenario
analysis of
hybrid portfolio
UTI Equity
03 Savings Fund 07 Summary

04 Product
Features

The rationale for

02 combining Equity, 06 Tax Efficiency
Debt & Arbitrage

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Advantage - Equity Savings Fund

GROWTH INCOME TAX EFFICIENCY

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How the fund provides all of them ?

EQUITY FIXED INCOME EQUITY ARBITRAGE

Offers income potential Together with net equity
Offers growth potential
provides tax efficiency

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Varying returns over short time frame

Calendar
Year
2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021
Asset Class

Equity 17.76 -25.97 33.23 6.06 37.44 -0.18 5.37 34.97 1.38 30.43 11.81 27.59

Debt 4.96 6.90 9.38 3.79 14.31 8.63 12.93 4.69 5.89 11.25 9.25 3.44

Arbitrage 4.58 6.59 8.57 8.15 8.76 7.61 6.60 4.29 4.68 6.09 4.85 4.16

Equity - S&P BSE 200 Debt-Crisil Composite Bond Index Arbitrage

Arbitrage --Nifty
Nifty Arbitrage
Arbitrage 50 50

A hybrid portfolio of equity, debt & arbitrage can provide the best of three asset class

CY- Calendar Year (Jan 1, to Dec 31), Returns in % (TRI)

5 Source : ICRA MFI Explorer. Past performance may or may not be sustained in future Information Classification: UTI AMC - Confidential
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Need to combine all of them

1 2 3

In each year, different asset A portfolio mix of equity, debt &

Each asset class has an
class outperforms over others equity arbitrage may balance out
inherent risk in itself
the portfolio in an optimized manner

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PRESENTING
UTI EQUITY SAVINGS FUND
(An open ended scheme investing in equity, arbitrage and debt)

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Fund Positioning

Sector / Thematic Funds

Equity Funds
Returns

UTI Hybrid Equity Fund

Debt Funds UTI Equity Savings Fund

Arbitrage Funds

Liquid Funds

Risk

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Investment Philosophy

Net Long
Equity Gross Preferred
Exposure 20% Multi Cap
allocation
-50% approach
25% - 35% Tax
with large
efficiency
cap bias
Arbitrage Preferred Spreads
Gross Allocation between
Exposure 20% 30% - 40% cash & future
-75%

Preferred Good credit Periodic

Debt Allocation & low Income &
Gross 10% - 30% duration stability to
Exposure 10% portfolio
- 35%

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Investment Strategy

EQUITY ARBITRAGE DEBT

~ Sector selection: Combination ~ Arbitrage opportunities arising ~ Accrual strategy

of Top down and Bottom up out of mispricing in cash & future
approach going through short market
term challenges and trading at
below long term averages

~ Stock selection: Stocks trading ~ Opportunities which can provide ~ Focus on good credit quality
at deep discount to their intrinsic regular accruals
value and with signs of value
unlocking
~ Focus on stocks that are below ~ Focus on low duration
its long term averages or when it is
cheap relative to market
aggregates

~Tactical allocation on G-sec

~ Key Metrics: EV/EBITDA, P/E,
based on In-house view
Book Value or Asset Value

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Return simulation of hypothetical portfolio

Net Long Equity Portion (35% of the portfolio)

Returns from Net Long Equity
Returns from Arbitrage
+ Debt portion 20% 15% 10% 5% 0% -5% -10% -15% -20% -25%

Assumed Arbitrage + 5% 10.25% 8.50% 6.75% 5.00% 3.25% 1.50% -0.25% -2.00% -3.75% -5.50%
Debt Portion returns
6% 10.90% 9.15% 7.40% 5.65% 3.90% 2.15% 0.40% -1.35% -3.10% -4.85%
(65% of the portfolio)
7% 11.55% 9.80% 8.05% 6.30% 4.55% 2.80% 1.05% -0.70% -2.45% -4.20%

The scenario of hybrid analysis in the above table does not in any manner reflect the expected return from the fund . The weightage & returns are
assumed numbers and is just meant to explain the concept & return behavior of a hybrid portfolio. This should not be construed as a guiding tool
for investment into fund. Investors may consult their financial advisor for any guidance.

Example understanding - Arbitrage & Debt X % returns X 65% exposure + Net long equity X % returns X 35% exposure is equal to portfolio returns of
XXX.

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An example of Arbitrage

XYZ Ltd Arbitrage

Buy in Sell in future

Available in Available in market for
cash market for
Cash market for future market for ₹1316
₹1313 ₹1316 ₹1313

Profit of
₹3
(5.56% on an
annualized
basis)

• The concept of arbitrage works on mispricing of assets / stocks in different markets due to cost
of carry & market inefficiency.

• The illustration just gives a basic idea about how the fund would take advantage of arbitrage
opportunities.

• To the extent of arbitrage exposure the portfolio would be hedged and that mitigates the risk
associated with market volatility.

The above illustration does not include the cost of executing the arbitrage transaction which can include the STT & brokerage
charges. The above illustration is only meant for the basic understanding and does not guarantee any return. It may be noted that
future price will converge with cash price on expiry date i.e. last Thursday of every month.

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Reasons to own & suitability

Why UTI Equity Savings Fund? Product Suitability

Aims to deliver relatively stable returns with First time investor who needs a limited exposure
lower volatility to equity

Optimized Asset Allocation as the fund

invests in equity & debt along with equity Investors looking for portfolio diversification
arbitrage

Aims to deliver income Investors who want to limit downside risk to

their portfolio

Tax efficiency Investors looking for tax efficient returns

Portfolio management within well defined Retirees looking for moderate and
investment philosophy & investment stable returns with low volatility
process

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Can a lower expense ratio help drive the fund’s returns?

Expense Ratio (%) Higher investment value on account of lower expenses

Expense Ratio (%)

1,27,161
1,26,003

₹1,00,000 invested
Other Equity Savings
1.81
Scheme 1,17,373 1,16,659

1,08,339 1,08,009

UTI Equity Savings

1.51
Scheme

1st Year 2nd Year 3rd Year

UTI Equity Savings Fund Other Equity Savings Category

Other Equity Savings category - Average expense ratio of (26 funds). Average expense ratio of regular plans considered as of December 31,2022.
UTI Equity Savings Fund - Expense Ratio as on December 31, 2022
Assumption: Returns is assumed to be 10% as shown above over different periods and returns in other equity savings category is assumed to be
inclusive of 1.74% (expense ratio)
Source: ICRA MFI Explorer
The above illustration is for general information and based on certain assumption. Fund‘s actual returns would vary at a given point of time.

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Fund Details
Minimum Application Amount
Type of scheme
Minimum initial investment is ₹ 5,000/- and in multiples of
An open ended scheme investing in equity, ₹1/-.
arbitrage and debt
Additional Purchase Amount ₹1,000/- and in the multiple of
₹1/- without any upper limit.

Investment Objective Exit Load

To provide capital appreciation and income distribution to the
investors using arbitrage opportunities, investment in equity /
equity related instruments and debt / money market
instruments. However, there is no assurance or guarantee that
the investment objective of the Scheme would be achieved.
(A) Redemption / Switch out within 12 months from the date of
allotment -(i) upto 10% of the allotted Units -NIL (ii) beyond 10%
of the allotted Units ‐1.00 % (B) Redemption / Switch out after
12 months from the date of allotment –NIL

Plans Benchmark
Direct Plan & Regular Plan Crisil Equity Savings Index

Options Fund Managers

Growth Option & IDCW Option - Monthly & Quarterly IDCW Mr. V Srivatsa (Equity Portfolio)
Option with Payout & Reinvestment Facility Mr. Sunil Patil (Debt Portfolio)

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Fund facts (Equity Composition)

Fund Snapshot
Portfolio Composition#
Fund Size:
Operating Cash Flow ROCE
Month end AUM : ₹ 261 Crores
C1 : 80% R1 : 46%
C2 : 20% R2 : 37%
C3 :- R3 : 17%

Market Capitalization (% of Equity portion) Top 5 / Top 10 Stocks

Large: 96| Mid: 1| Small: 2
37.67% / 58.91%

No. of Stocks Top 5 / Top 10 Sectors

34 72% / 96%

* The equity exposure in the scheme is rebased to 100 for calculating Top 5/Top 10 Stocks/Sector
Avg. AuM – Average Asset under Management, # 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 cos). ROCE/implied ROE Tiers (R) - 3 based on the previous 5 year average return on capital (for manufacturing cos) & consistency in implied
ROE (RoA X Leverage) for financials over 5 years. All data as of December 31,2022.

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Portfolio (Equity Composition)

Sectoral Breakdown (in %)
Equity Top 20 Holdings As compared to BSE 200 TRI Index – Sub index to Scheme benchmark
Stock Name Sector % To NAV Act. Wt %
Active Weight
HDFC BANK LIMITED Financial Services 9.67 3.00
Financial Services 35 2
INFOSYS LTD. IT 8.92 3.78
Information Technology 17 5
ICICI BANK LTD. Financial Services 7.86 2.08
Automobile and Auto Components 8 2
LARSEN & TOUBRO LTD. Construction 5.84 3.50
Oil, Gas & Consumable Fuels 7 -5
HCL TECHNOLOGIES LTD. IT 5.38 4.36
Fast Moving Consumer Goods 5 -3
ITC LTD. FMCG 5.24 2.52
Healthcare 6 1
STATE BANK OF INDIA Financial Services 5.20 3.06 Construction 6 3
INDUSIND BANK Financial Services 3.87 3.13 Telecommunication 5 3

AXIS BANK LTD. Financial Services 3.47 1.07 Power 5 1

NTPC LTD. Power 3.46 2.72 Construction Materials 3 0

CIPLA LTD. Healthcare 3.16 2.62 Metals & Mining 3 -1

OIL & NATURAL GAS Services 2 1

Oil & Gas 3.05 2.52
CORPORATION Realty -1
HDFC LTD. Financial Services 2.98 -1.48
Consumer Services -2
BHARTI AIRTEL LTD. Telecommunication 2.90 1.06 Consumer Durables -3
GRASIM INDUSTRIES LTD. Construction Materials 2.66 2.06 Chemicals -2
MAHINDRA & MAHINDRA LTD. Automobile 2.55 1.44 Capital Goods -2

HINDALCO INDUSTRIES LTD. Metals & Mining 2.53 1.89 0 10 20 30 40 50 60 70

RELIANCE INDUSTRIES LTD. Oil & Gas 2.23 -5.95
UTI - Equity Savings Fund
ICICI LOMBARD GENERAL
Financial Services 2.08 1.81
INSURANCE
MARUTI SUZUKI INDIA LTD. Automobile 2.02 0.98

Portfolio above shows Top 20 equity holdings under the scheme, for detailed portfolio visit www.utimf.com
17 Act. Wt % - Active Weight % as compared to the S&P BSE 200. Data as of December 31, 2022. Information Classification: UTI AMC - Confidential
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Portfolio Snapshot (Fixed Income)

Credit Profile of Debt (% of debt portion) Top Holdings (%)
% To
Securities/Issuer Rating Profile
NAV

Government Securities SOV 64.46

AAA/A1+/SOV/NCA 100% Treasury Bills SOV 11.37

TREPS/Repo/Cash 24.17

Quantitative Indicators
Average Maturity : 4.53 Years

Modified Duration : 3.39 Years

YTM* : 6.93%

Portfolio shows debt holdings rebased to 100. Portfolio data as on December 31, 2022.
18 *Yields of all securities are annualized. Information Classification: UTI AMC - Confidential
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In summary

Allocation to Equity, Debt and Equity arbitrage may Controlled equity allocation may reap long term growth
provide the best of the portfolio diversification potential
while debt and arbitrage brings income potential and risk
mechanism

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Performance

Fund Vs Benchmark Performance (%) Growth of ₹10,000/-

Period
B:Crisil Equity AB:CRISIL 10 B:Crisil Equity AB:CRISIL 10
Scheme Scheme
Savings Index Year Gilt Index Savings Index Year Gilt Index
1 Year 6.34 5.76 0.44 10,634 10,576 10,044

3 Years 10.11 10.33 3.61 13,353 13,434 11,124

Since Inception 7.85 9.25 6.35 13,881 14,680 13,063

Systematic Investment Plan (SIP) Returns

Scheme B:Crisil Equity AB:CRISIL 10 Scheme B:Crisil Equity AB:CRISIL 10

Investment Amount
Period Returns Savings Index Year Gilt Returns Savings Index Year Gilt
(₹)
(%) (%) Index(%) (₹) (₹) Index(₹)

1 Year 1,20,000 8.10 27.96 3.91 1,25,154 1,25,306 1,22,505

3 Years 3,60,000 10.82 12.19 1.91 4,23,227 4,20,888 3,70,692

Since Inception 5,20,000 9.81 11.08 3.61 6,43,507 6,50,349 5,62,801

Source: Internal
B – Benchmark AB - Additional Benchmark,
The above value is calculated on the basis of the return from regular plan growth option of the scheme. Past performance may or may not be sustained in future. All returns are
in CAGR - Compounded Annualized Growth Rate as on December 31,2022. Inception of UTI Equity Savings Plan : August 30, 2018 Note: The loads have not been taken into
account. Systematic Investment Plan (SIP) returns are worked out assuming investment of ₹10,000/- every month at NAV per unit of the scheme as on the first working day for the
respective time periods.
For performance of other funds managed by the same Fund Manager, please refer the Slide No. 21-22 The current fund manager Mr. V. Srivatsa (equity portion) is managing the
fund since Aug 2018 and fund manager Mr. Sunil Patil (Debt portion) is managing the fund since Aug 2018.
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Performance details of other schemes managed by the fund manager – Mr. V Srivatsa

1 Year 3 Years 5 Years

Scheme Name Fund Benchmark
Scheme Benchmark Scheme Benchmark Scheme Benchmark
UTI Retirement CRISIL Short Term
Benefit Pension Debt Hybrid 60:40 5.29 4.68 11.92 11.21 6.53 9.61
Fund Fund Index
UTI Hybrid Equity CRISIL Hybrid 35+65
5.64 4.79 15.97 13.96 8.58 10.99
Fund Aggressive Index
UTI Core Equity NIFTY Large
4.57 4.48 18.4 20.04 9.17 11.71
Fund Midcap 250 TRI
UTI Healthcare S&P BSE Healthcare
-12.33 -11.5 20.43 20.47 10.33 9.97
Fund TRI

• Mr. V Srivatsa manages 5 open-ended schemes of UTI Mutual Fund.

• Period during which the scheme’s performance has been provided is computed based on the last day of the month end preceding the date of advertisement.
• Different plans shall have different expense structures. Compounded annualized performance of Regular Plan – Growth Option as on December 31,2022 is given.
• Past performance may or may not be sustained in the future.

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Performance details of other schemes managed by the fund manager – Mr. Sunil Patil

1 Year 3 Years 5 Years

Scheme Name Fund Benchmark
Scheme Benchmark Scheme Benchmark Scheme Benchmark
CRISIL Short Term
UTI CCF- Savings
Debt Hybrid 60:40 2.67 4.68 9.77 11.21 6.27 9.61
Fund
Fund Index
UTI Retirement CRISIL Short Term
Benefit Pension Debt Hybrid 60:40 5.29 4.68 11.92 11.21 6.53 9.61
Fund Fund Index
UTI Hybrid Equity CRISIL Hybrid 35+65
5.64 4.79 15.97 13.96 8.58 10.99
Fund Aggressive Index
S&P BSE 200, Gold &
UTI Multi Asset
CRISIL Bond Fund 4.42 5.12 9.70 14.09 6.41 11.39
Fund
Index
NIFTY 50 Hybrid
UTI Unit Linked
Composite Debt -2.36 4.51 8.45 11.73 5.56 10.56
Insurance Plan
50:50 Index

• Mr. Sunil Patil manages 6 open-ended schemes of UTI Mutual Fund.

• Period during which the scheme’s performance has been provided is computed based on the last day of the month end preceding the date of advertisement.
• Different plans shall have different expense structures. Compounded annualized performance of Regular Plan– Growth Option as on December 31,2022 is given.
• Past performance may or may not be sustained in the future.

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Tax efficiency of the fund

Individuals & HUFs Other than individuals & HUFs

UTI Equity Liquid & UTI Equity Liquid &

Savings Fund Debt Fund Savings Fund Debt Fund

Long term capital #10.40% #20.80% Long term capital #10.40% #20.80%
gains tax 10% + 4% Cess 20%‡ + 4% Cess gains tax 10% + 4% Cess 20%‡ + 4% Cess

Short Term Capital #15.60% #31.20% Short Term Capital #15.60% #31.20%
gains tax 15% + 4% Cess 30%^ + 4% Cess gains tax 15% + 4% Cess 30%^^ + 4% Cess

$Nil $Nil IDCW Distribution tax $Nil $Nil

IDCW Distribution tax

In respect of Equity Oriented Funds, long term capital gains tax will be applicable on the LTCG exceeding ₹1 Lac in a financial year.
#-Surcharge at 15% on base tax, will also be applicable where net income of Individual/HUF unit holders exceeds 1 cr and at 10% where net income exceeds 50 lakhs but does not exceed 1
cr.Surcharge at 7% on base tax will also be applicable where net income of domestic corporate unit holders exceeds 1 cr but does not exceed 10 crs and at 12% where net income
exceeds 10 crs.
‡ After providing indexation. ^Assuming the investor falls into highest tax bracket, ^^ - 25% - if total turnover or gross receipts of a domestic company during the previous financial year does
not exceed ₹250 Crs. Other domestic companies 30%. Equity - Long Term capital gains ( units held for more than 12 months) , Short Term Capital Gains ( Units held for 12 months or less)
Liquid & Debt - Long Term capital gains ( units held for more than 36 months) , Short Term Capital Gains ( Units held for 36 months & less)
Securities transaction tax (STT) shall be payable on equity oriented mutual funds schemes at the time of redemption/switch to the other schemes/sale of units.
$Tax is required to be deducted at source under section 194K of the Act. Tax will not be required to be deducted at source where the amount of such income or, as the case may be, the
aggregate of the amounts of such income credited or paid or likely to be credited or paid during the financial year by the person responsible for making the payment to the account of, or
to, the payee does not exceed five thousand rupees. However, on account of practical difficulties involved due to the unique nature of mutual fund investments, different schemes involved
and irregular frequency of income distribution and capital withdrawal (IDCW), UTI Mutual Fund shall deduct TDS from each IDCW declared i.e. even when the IDCW amount paid is less than
₹5,000 or has not reached the aggregate threshold limit of ₹5,000. In case the total TDS exceeds the actual tax liability of any investor, the investor can claim refund while filing their income-
tax return. &Tax to be deducted at source as per Section 196A of the Act, plus applicable surcharge (refer table on surcharge), if any. Also health and education cess at the
rate of 4% on income tax and surcharge. STCG tax & LTCG tax are subject to MAT.
Information provided is applicable for the financial year 2020-21.
The information set out above is included for general information purposes only and is not exhaustive and does not constitute legal or tax advice. Investor is advised
to consult his/her own tax consultant with respect to specific tax implications arising out oft their participation in the scheme and read carefully the SID of the Scheme
and SAI as amended from time to time prior to making any transaction.

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Product Label
Benchmark This product is suitable for investors who are Scheme Benchmark
Scheme Name
Name seeking* Riskometer# Riskometer
UTI Hybrid Equity Fund
• Long term capital appreciation
(An open ended hybrid scheme CRISIL Hybrid 35+65 -
• Investment in equity instruments (maximum - 80%) and
investing predominantly in equity and Aggressive Index
fixed income securities (debt and money market securities)
equity related instruments)
• Long term capital appreciation and income
UTI Equity Savings Fund
CRISIL Equity Savings • Investment in equity & equity related instruments, arbitrage
An open ended scheme investing in
Index opportunities, and investments in debt and money market
equity, arbitrage and debt
opportunities
65% S&P BSE 200,10%
UTI Multi Asset Fund • Long term capital appreciation
price of Gold & 25%
(An open ended scheme investing in • Investment in equity instruments (maximum-80%) and fixed
CRISIL Bond Fund
equity, debt and Gold ETFs) income securities (debt and money market securities)
Index
UTI Children’s Career Fund – Savings
Plan
(An open ended fund for investment CRISIL Short Term Debt • Long term capital appreciation
Hybrid 60+40 Fund • Investment in equity instruments (maximum-40%) and
for children having a lock-in for at
Index debt instruments
least 5 years or till the child attains
age of majority (whichever is earlier))
UTI Core Equity Fund
Nifty LargeMidcap • Long term capital appreciation
(An open ended equity scheme
• Investment predominantly in equity instruments of both
investing in both large cap and mid 250 TRI
large cap and mid cap companies
cap stocks)
UTI Retirement Benefit Pension Fund
CRISIL Short Term
(An open ended retirement solution • Long term capital appreciation
Debt Hybrid 60+40
oriented scheme having a lock-in of 5 • Investment in equity instruments (maximum - 40%) and
Fund Index
years or till retirement age (whichever debt/money market instruments
is earlier)

UTI Unit Linked Insurance Plan NIFTY 50 Hybrid • Long term capital appreciation
(An open ended tax saving cum Composite Debt 50:50 • Investment in equity instruments (maximum - 40%) and debt
insurance scheme) Index instruments

*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/

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Thank You

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) E-mail: 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 Statement of Additional Information, Scheme Information Document and Key Information Memorandum cum Application Form

The information in 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 effect, 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.

Mutual Fund Investments are subject to market risks, read all scheme related documents carefully.

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Glossary

EBITDA Earnings before Interest, Taxes, Depreciation, &

Amortization
EPS Earnings per share
CAGR Compounded Annual Growth Rate
P/E Price Earnings ratio

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Give a missed call on 8655019940 SMS 'UTIESF' to 5676756

MUTUAL FUND INVESTMENTS ARE SUBJECT TO MARKET RISKS,

READ ALL SCHEME RELATED DOCUMENTS CAREFULLY.
Information Classification: UTI AMC - Confidential