UTI Banking and Financial Services Fund - Regular Plan - Growth Option
₹185.1807
₹2.86 (-1.52%)
NAV as of 29 May 2026
Today's NAV — all variants
Regular · Growth
₹₹185.1807
₹2.86 (-1.52%)
29 May 2026
AMFI: 102401
Direct · Growth
₹₹212.9403
₹3.28 (-1.52%)
29 May 2026
AMFI: 120733
Regular · IDCW
₹₹72.0714
₹1.11 (-1.52%)
29 May 2026
AMFI: 102402
Direct · IDCW
₹₹83.3412
₹1.28 (-1.52%)
29 May 2026
AMFI: 120732
Returns (Lumpsum)
CAGR for periods ≥ 1 yearReturns calculated from 09 December 2020 onwards due to a structural change in the scheme on that date. Pre-2020 NAV history is preserved but excluded from multi-year return calculations. Periods spanning this date show —.
SIP Returns (XIRR)
₹1,000/month SIP, annualisedSIP since inception — what ₹500/month became
Real NAV backtest from day one
₹1,25,000
Invested
₹4,32,646
Value today
12.3%
XIRR (p.a.)
₹500/month SIP from fund inception · Current value as of today
Try SIP Calculator with this fund's history₹1,000 lumpsum at launch — value today
Invested on the fund's first NAV date
₹1,000
Invested
₹12,025
Value today
12.7%
CAGR (p.a.)
One-time investment at fund inception · Growth purely from NAV appreciation
Try Lumpsum Calculator₹10L corpus with ₹5,000/month withdrawals since inception
Corpus is still growing despite monthly payouts
₹10,00,000
Initial corpus
₹12,50,000
Withdrawn
₹76,98,266
Corpus left
+₹79,48,266 net gain — withdrew ₹12,50,000 AND corpus grew
Plan your SWP with real NAV₹6L corpus via 12-month STP from a liquid fund at inception
₹50K/month transferred from HDFC Liquid → this fund at launch
₹6,00,000
Invested
₹78,15,807
Value today
+8.3%
vs lumpsum
STP beat direct lumpsum by 8.3% — reduced timing risk paid off
Model your own STP with real NAVThis fund trailed its benchmark
Top performers in Sectoral / Thematic by 5Y CAGR
DSP India T.I.G.E.R. Fund - Regular Plan - Growth
ICICI Prudential Infrastructure Fund - Growth
SBI PSU Fund - REGULAR PLAN -Growth
₹1 lakh on the worst crash day — 22 Mar 2020
Worst single-day Nifty drop during this fund's life
₹1,00,000
Invested
₹1,95,154
Value today
2.0×
Multiple
Staying invested through that crash turned ₹1L into ₹1,95,154 — a 2.0× return
Read: Staying invested through crashesDirect vs Regular — ₹500/month over 10 years
Expense ratio drag on your actual returns
Direct plan
₹1,11,485
Regular plan
₹98,133
Direct earns ₹13,352 more on a ₹60K investment — 2.23% extra return per year
Same fund, same NAV history — only the expense ratio differs. Direct plans always outperform Regular over time.
Learn about Direct vs Regular plansFund Details
Risk Metrics
Trailing 1 year, annualised-0.00
Sharpe Ratio
+0.04
Alpha
0.47
Beta
-0.00
Sortino
16.14%
Std Dev
-16.60%
Max Drawdown
Portfolio Holdings
Top 32 holdings · as of Mar 2026
| Security | % NAV |
|---|---|
ICICI BANK LTD INE090A01021 | 14.46% |
HDFC BANK LIMITED INE040A01034 | 13.57% |
AXIS BANK LTD. INE238A01034 | 10.62% |
KOTAK MAHINDRA BANK LTD. INE237A01036 | 9.47% |
BAJAJ FINANCE LTD. INE296A01032 | 5.91% |
STATE BANK OF INDIA INE062A01020 | 4.84% |
SHRIRAM FINANCE LTD INE721A01047 | 4.76% |
BAJAJ FINSERV LTD. INE918I01026 | 3.31% |
MULTI COMMODITY EXCHANGE OF IN INE745G01043 | 2.95% |
UJJIVAN SMALL FINANCE BANK LTD INE551W01018 | 2.72% |
CHOLAMANDALAM INVESTMENT & FIN INE121A01024 | 2.54% |
HDFC LIFE INSURANCE COMPANY LI INE795G01014 | 2.14% |
ICICI LOMBARD GENERAL INSURANC INE765G01017 | 2.11% |
MAX FINANCIAL SERVICES LTD. INE180A01020 | 1.92% |
INDIA SHELTER FINANCE CORPORATION LTD INE922K01024 | 1.71% |
BANK OF BARODA INE028A01039 | 1.63% |
SBI LIFE INSURANCE COMPANY LTD INE123W01016 | 1.61% |
FEDERAL BANK LTD. INE171A01029 | 1.50% |
AAVAS FINANCIERS LTD. INE216P01012 | 1.33% |
REC LTD INE020B01018 | 1.30% |
KARUR VYSYA BANK LTD. INE036D01028 | 0.93% |
INDUSIND BANK INE095A01012 | 0.73% |
ICICI PRUDENTIAL ASSET MANAGEMENT COMPANY LIMITED INE346A01027 | 0.69% |
HDFC ASSET MANAGEMENT COMPANY INE127D01025 | 0.68% |
SESHAASAI TECHNOLOGIES LIMITED INE04VU01023 | 0.53% |
INDIAN BANK INE562A01011 | 0.49% |
CREDITACCESS GRAMEEN LTD INE741K01010 | 0.47% |
AU SMALL FINANCE BANK LTD INE949L01017 | 0.45% |
KFIN TECHNOLOGIES LTD INE138Y01010 | 0.42% |
GENERAL INSURANCE CORPORATION INE481Y01014 | 0.33% |
PRUDENT CORPORATE ADVISORY SERVICES LTD INE00F201020 | 0.07% |
| Security | % NAV |
|---|---|
UNITS UTI LIQUID FUND INF789F01XQ6 | 0.99% |
Performance Comparison
Interested in This Fund?
Our experts will help you decide if this fund fits your goals.
Investment Objective
UTI Banking and Financial Services Fund - Regular Plan - Growth Option 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 Plan - Growth Option is a Sectoral / Thematic mutual fund offered by UTI Mutual Fund. The fund has been operational for over 20 years. It manages assets worth ₹1,373 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against Nifty Financial Services TRI. The current expense ratio is 2.14%.
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