UTI Banking and PSU Fund · Regular · Growth
NAV
₹23.7478
as of 13 Nov 2026
Expense Ratio
0.46%
AUM
₹1,450 Cr
Lumpsum returns (CAGR)
- 1Y
- +5.58%
- 3Y
- +7.17%
- 5Y
- +7.55%
- Since Inception
- +6.35%
SIP returns (XIRR)
- 1Y
- +6.03%
- 3Y
- +6.72%
- 5Y
- +7.08%
- Since Inception
- +6.99%
What history actually did — last 7 years (Nov 2019 – Nov 2026)
A ₹5,000 monthly SIP for the last 7 years (Nov 2019 – Nov 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹5,36,681 today — ₹4,20,000 invested, 7.0% XIRR.
₹4,20,000
Invested
₹5,36,681
Value today
7.0%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 7 years (Nov 2019 – Nov 2026)
Real NAV backtest
₹1,00,000 invested 7 years ago would be ₹1,61,635 today (7.1% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Nov 2019 would still hold ₹10,79,674.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 7 years (Nov 2019 – Nov 2026) (22 Mar 2020) would be ₹1,61,426 today (1.61×).
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, annualised-0.77
Sharpe Ratio
—
Alpha
—
Beta
-0.83
Sortino
0.71%
Std Dev
-0.41%
Max Drawdown
Performance Comparison
Related reading
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Fund Details
Available transactions
Portfolio holdings
- 1Canara Bank - 28/01/20277.77%
- 2Union Bank Of India - 19/01/20276.77%
- 3Icici Bank Ltd - 25/03/20275.02%
- 4Axis Bank Ltd.3.80%
- 5National Bank For Agriculture And Rural Development3.80%
- 67.38% Gsec 20/06/20273.48%
- 77.61% Tn Sdl Mat 15/02/27.3.47%
- 8Axis Bank Ltd - 13/01/20273.39%
- 9Small Indst. Dev. Bank Of India - 29/01/20273.38%
- 10Hdfc Bank Ltd. - 22/01/20273.38%
What this fund does
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 ₹1,450 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)