UTI Banking and Financial Services Fund · Regular · Growth
NAV
₹197.2892
as of 31 Jul 2026
Expense Ratio
2.14%
AUM
₹1,352 Cr
Lumpsum returns (CAGR)
- 1Y
- +5.18%
- 3Y
- +12.42%
- 5Y
- +12.34%
- Since Inception
- +12.91%
SIP returns (XIRR)
- 1Y
- +5.58%
- 3Y
- +9.93%
- 5Y
- +12.25%
- Since Inception
- +12.25%
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 (Aug 2016 – Jul 2026)
A ₹5,000 monthly SIP for the last 10 years (Aug 2016 – Jul 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹10,62,138 today — ₹5,95,000 invested, 11.3% XIRR.
₹5,95,000
Invested
₹10,62,138
Value today
11.3%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Aug 2016 – Jul 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹2,69,252 today (10.4% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Aug 2016 would still hold ₹16,30,384.
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹10,62,138 in this fund vs ₹12,17,407 in the benchmark — underperformance of ₹1,55,269.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Aug 2016 – Jul 2026) (22 Mar 2020) would be ₹3,69,381 today (3.69×).
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, annualised0.36
Sharpe Ratio
+0.09
Alpha
0.31
Beta
0.36
Sortino
16.16%
Std Dev
-16.60%
Max Drawdown
Performance Comparison
Sectoral allocation
as of 31 May 2026- Banks61.06%
- Finance23.32%
- Insurance9.44%
- Capital Markets2.72%
- Financial Technology (Fintech)0.93%
Each sector links to the mutual funds most exposed to it.
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Fund Details
Available transactions
Portfolio holdings
- 1Hdfc Bank Limited17.44%
- 2Icici Bank Ltd13.96%
- 3Axis Bank Ltd.9.13%
- 4State Bank Of India8.97%
- 5Bajaj Finance Ltd.7.98%
- 6Kotak Mahindra Bank Ltd.7.00%
- 7Shriram Finance Ltd5.05%
- 8Sbi Life Insurance Company Ltd3.42%
- 9Bajaj Finserv Ltd.3.06%
- 10Ujjivan Small Finance Bank Ltd2.84%
Investment Objective
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 ₹1,352 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