UTI Banking and Financial Services Fund · Regular · Growth
NAV
₹187.2923
as of 29 Sept 2026
Expense Ratio
2.37%
AUM
₹1,359 Cr
Lumpsum returns (CAGR)
- 1Y
- +0.78%
- 3Y
- +10.54%
- 5Y
- +9.48%
- Since Inception
- +12.53%
SIP returns (XIRR)
- 1Y
- -4.51%
- 3Y
- +5.19%
- 5Y
- +9.44%
- Since Inception
- +11.70%
Returns calculated from 09 December 2020 onwards due to a structural change in the scheme on that date. Earlier NAV history is preserved but excluded from multi-year return calculations. Periods spanning this date show —.
What history actually did — last 10 years (Sept 2016 – Sept 2026)
A ₹5,000 monthly SIP for the last 10 years (Sept 2016 – Sept 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹10,05,534 today — ₹6,00,000 invested, 10.0% XIRR.
₹6,00,000
Invested
₹10,05,534
Value today
10.0%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Sept 2016 – Sept 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹2,46,382 today (9.4% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Sept 2016 would still hold ₹14,58,290.
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹10,05,534 in this fund vs ₹11,24,556 in the benchmark — underperformance of ₹1,31,167.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Sept 2016 – Sept 2026) (22 Mar 2020) would be ₹3,50,664 today (3.51×).
Historical simulation using actual published NAVs for the stated period. Past performance may or may not be sustained in the future. Not investment advice.
Risk Metrics
Trailing 1 year, annualised0.06
Sharpe Ratio
+0.01
Alpha
0.34
Beta
0.06
Sortino
15.82%
Std Dev
-16.60%
Max Drawdown
Performance Comparison
Sectoral allocation
as of 31 Aug 2026- Banks63.34%
- Finance17.00%
- Insurance10.07%
- Capital Markets5.04%
- Financial Technology (Fintech)0.80%
Each sector links to the mutual funds most exposed to it.
Related reading
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Fund Details
Available transactions
Portfolio holdings
- 1Hdfc Bank Limited16.24%
- 2Icici Bank Ltd11.53%
- 3State Bank Of India10.17%
- 4Axis Bank Ltd.10.16%
- 5Kotak Mahindra Bank Ltd.9.39%
- 6Bajaj Finance Ltd.5.15%
- 7Shriram Finance Ltd4.04%
- 8Ujjivan Small Finance Bank Ltd3.71%
- 9Sbi Life Insurance Company Ltd3.32%
- 10Multi Commodity Exchange Of In2.39%
What this fund does
UTI Banking and Financial Services Fund · Regular · Growth invests in stocks from a specific sector or theme, offering concentrated exposure to a particular area of the economy. These funds carry sector-specific risks but can deliver significant returns when the underlying sector performs well.
About This Fund
UTI Banking and Financial Services Fund · Regular · Growth is a Sectoral / Thematic mutual fund offered by UTI Mutual Fund. The fund has been operational for over 21 years. It manages assets worth ₹1,359 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against Nifty Financial Services TRI. The current expense ratio is 2.37%.
Who Should Invest?
- •Aggressive investors comfortable with significant short-term volatility
- •Investors with a long-term horizon of 7+ years who can ride out market cycles
- •SIP investors who can benefit from rupee cost averaging during market fluctuations