UTI Banking and PSU Fund · Regular · Growth
NAV
₹23.3580
as of 31 Jul 2026
Expense Ratio
0.46%
AUM
₹1,190 Cr
Lumpsum returns (CAGR)
- 1Y
- +5.56%
- 3Y
- +7.10%
- 5Y
- +7.38%
- Since Inception
- +6.37%
SIP returns (XIRR)
- 1Y
- +5.90%
- 3Y
- +6.94%
- 5Y
- +7.24%
- Since Inception
- +7.07%
What history actually did — last 7 years (Aug 2019 – Jul 2026)
A ₹5,000 monthly SIP for the last 7 years (Aug 2019 – Jul 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹5,31,994 today — ₹4,15,000 invested, 7.1% XIRR.
₹4,15,000
Invested
₹5,31,994
Value today
7.1%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 7 years (Aug 2019 – Jul 2026)
Real NAV backtest
₹1,00,000 invested 7 years ago would be ₹1,59,587 today (6.9% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Aug 2019 would still hold ₹10,63,879.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 7 years (Aug 2019 – Jul 2026) (22 Mar 2020) would be ₹1,58,776 today (1.59×).
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, annualised0.93
Sharpe Ratio
—
Alpha
—
Beta
1.11
Sortino
0.84%
Std Dev
-0.41%
Max Drawdown
Performance Comparison
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Fund Details
Available transactions
Portfolio holdings
- 1Canara Bank - 28/01/20276.98%
- 2Kotak Mahindra Bank Ltd - 18/12/20265.87%
- 3Union Bank Of India - 19/01/20275.82%
- 4National Housing Bank4.88%
- 5Axis Bank Ltd.4.47%
- 67.38% Gsec 20/06/20274.13%
- 7Small Industries Development Bank Of India4.07%
- 8Export Import Bank Of India4.06%
- 9Nabard - 22/01/20273.88%
- 10Poonawalla Fincorp Ltd.3.86%
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 ₹1,190 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)