UTI Banking and PSU Fund · Regular · Growth
NAV
₹23.1476
as of 16 Jun 2026
Expense Ratio
0.46%
AUM
₹1,085 Cr
Lumpsum returns (CAGR)
- 1Y
- +5.43%
- 3Y
- +6.93%
- 5Y
- +7.29%
- Since Inception
- +6.34%
SIP returns (XIRR)
- 1Y
- +5.46%
- 3Y
- +6.89%
- 5Y
- +7.22%
- Since Inception
- +7.05%
SIP since inception — what ₹500/month became
Real NAV backtest from day one
₹44,000
Invested
₹57,004
Value today
7.0%
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
₹1,565
Value today
6.3%
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
₹4,40,000
Withdrawn
₹9,95,353
Corpus left
+₹4,35,353 net gain — withdrew ₹4,40,000 AND corpus grew
Plan your SWP with real NAV₹1 lakh on the worst crash day — 22 Mar 2020
Worst single-day Nifty drop during this fund's life
₹1,00,000
Invested
₹1,57,047
Value today
1.6×
Multiple
Staying invested through that crash turned ₹1L into ₹1,57,047 — a 1.6× return
Read: Staying invested through crashesRisk Metrics
Trailing 1 year, annualised0.84
Sharpe Ratio
—
Alpha
—
Beta
1.00
Sortino
0.84%
Std Dev
-0.41%
Max Drawdown
Performance Comparison
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Fund Details
Available transactions
Portfolio holdings
- 1Kotak Mahindra Bank Ltd - 18/12/20266.39%
- 2Union Bank Of India - 19/01/20276.35%
- 3National Housing Bank5.39%
- 4Axis Bank Ltd.4.93%
- 57.38% Gsec 20/06/20274.56%
- 6Small Industries Development Bank Of India4.49%
- 7Export Import Bank Of India4.49%
- 8Nabard - 22/01/20274.23%
- 9Poonawalla Fincorp Ltd.4.21%
- 10Power Finance Corporation Ltd.3.60%
Investment Objective
UTI Banking and PSU Fund · Regular · Growth by UTI Mutual Fund is a Banking & PSU Debt fund that aims to generate optimal returns for investors based on its investment mandate. The fund follows a disciplined investment process aligned with SEBI regulations for the Banking & PSU Debt category.
About This Fund
UTI Banking and PSU Fund · Regular · Growth is a Banking & PSU Debt mutual fund offered by UTI Mutual Fund. The fund has been operational for over 12 years. It manages assets worth ₹1,085 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against Nifty Banking & PSU Debt Index A-II. The current expense ratio is 0.46%.
Who Should Invest?
- •Conservative investors seeking capital preservation with modest returns
- •Investors with a short to medium investment horizon (6 months to 3 years)