UTI Banking and PSU Fund · Regular · Growth
NAV
₹23.5903
as of 29 Sept 2026
Expense Ratio
0.46%
AUM
₹1,190 Cr
Lumpsum returns (CAGR)
- 1Y
- +5.77%
- 3Y
- +7.17%
- 5Y
- +7.47%
- Since Inception
- +6.36%
SIP returns (XIRR)
- 1Y
- +6.06%
- 3Y
- +6.85%
- 5Y
- +7.17%
- Since Inception
- +7.03%
What history actually did — last 7 years (Oct 2019 – Sept 2026)
A ₹5,000 monthly SIP for the last 7 years (Oct 2019 – Sept 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹5,31,209 today — ₹4,15,000 invested, 7.1% XIRR.
₹4,15,000
Invested
₹5,31,209
Value today
7.1%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 7 years (Oct 2019 – Sept 2026)
Real NAV backtest
₹1,00,000 invested 7 years ago would be ₹1,62,387 today (7.2% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Oct 2019 would still hold ₹10,92,662.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 7 years (Oct 2019 – Sept 2026) (22 Mar 2020) would be ₹1,60,355 today (1.60×).
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, annualised0.51
Sharpe Ratio
—
Alpha
—
Beta
0.61
Sortino
0.83%
Std Dev
-0.41%
Max Drawdown
Performance Comparison
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Fund Details
Available transactions
Portfolio holdings
- 1Canara Bank - 28/01/20277.42%
- 2Union Bank Of India - 19/01/20276.46%
- 3Icici Bank Ltd - 25/03/20274.79%
- 4National Bank For Agriculture And Rural Development3.65%
- 5Axis Bank Ltd.3.65%
- 67.38% Gsec 20/06/20273.36%
- 77.61% Tn Sdl Mat 15/02/27.3.34%
- 8Export Import Bank Of India3.25%
- 9Nabard - 22/01/20273.23%
- 10Hdfc Bank Ltd. - 22/01/20273.23%
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 ₹1,190 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)