UTI Banking & PSU Fund- Regular Plan - Growth Option
₹22.9860
₹0.02 (+0.07%)
NAV as of 29 May 2026
Today's NAV — all variants
Regular · Growth
₹₹22.9860
₹0.02 (+0.07%)
29 May 2026
AMFI: 126939
Direct · Growth
₹₹23.4319
₹0.02 (+0.07%)
29 May 2026
AMFI: 126940
Regular · IDCW
₹₹15.4147
₹0.01 (+0.07%)
29 May 2026
AMFI: 133971
Direct · IDCW
₹₹15.5488
₹0.01 (+0.07%)
29 May 2026
AMFI: 141375
Returns (Lumpsum)
CAGR for periods ≥ 1 yearSIP Returns (XIRR)
₹1,000/month SIP, annualisedSIP since inception — what ₹500/month became
Real NAV backtest from day one
₹43,500
Invested
₹56,214
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
₹1,557
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
₹4,35,000
Withdrawn
₹9,95,278
Corpus left
+₹4,30,278 net gain — withdrew ₹4,35,000 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
₹1,56,247
Value today
1.6×
Multiple
Staying invested through that crash turned ₹1L into ₹1,56,247 — a 1.6× return
Read: Staying invested through crashesDirect vs Regular — ₹500/month over 10 years
Expense ratio drag on your actual returns
Direct plan
₹80,151
Regular plan
₹56,993
Direct earns ₹23,158 more on a ₹60K investment — 3.86% extra return per year
Same fund, same NAV history — only the expense ratio differs. Direct plans always outperform Regular over time.
Learn about Direct vs Regular plansFund Details
Risk Metrics
Trailing 1 year, annualised0.47
Sharpe Ratio
—
Alpha
—
Beta
0.56
Sortino
0.84%
Std Dev
-0.41%
Max Drawdown
Portfolio Holdings
Top 37 holdings · as of Mar 2026
| Security | % NAV |
|---|---|
KOTAK MAHINDRA BANK LTD - 18/12/2026 INE237AD6109 | 6.39% |
UNION BANK OF INDIA - 19/01/2027 INE692A16KU1 | 6.35% |
NATIONAL HOUSING BANK INE557F08FZ1 | 5.39% |
AXIS BANK LTD. INE238A08468 | 4.93% |
7.38% GSEC 20/06/2027 IN0020220037 | 4.56% |
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA INE556F08KM1 | 4.49% |
EXPORT IMPORT BANK OF INDIA INE514E08GB4 | 4.49% |
NABARD - 22/01/2027 INE261F16AF6 | 4.23% |
POONAWALLA FINCORP LTD. INE511C14ZH9 | 4.21% |
POWER FINANCE CORPORATION LTD. INE134E08JI0 | 3.60% |
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT INE261F08EF5 | 3.59% |
HDFC BANK LTD. INE040A08369 | 3.14% |
INDIAN RAILWAY FINANCE CORPORATION LIMITED INE053F07983 | 2.70% |
7.86% KARNATAKA SDL- 15/03/2027 IN1920160117 | 2.28% |
ADITYA BIRLA HOUSING FINANCE LTD INE831R07425 | 2.25% |
REC LTD INE020B08FA2 | 2.24% |
KOTAK MAHINDRA PRIME LTD. INE916DA7SR0 | 2.24% |
NATIONAL HOUSING BANK INE557F08FY4 | 2.24% |
POWER FINANCE CORPORATION LTD. INE134E08IT9 | 2.24% |
POWER FINANCE CORPORATION LTD. INE134E08LX5 | 2.24% |
EXPORT IMPORT BANK OF INDIA INE514E08FP6 | 2.23% |
LIC HOUSING FINANCE LTD. INE115A07PN6 | 2.22% |
INDIAN BANK - 22/01/2027 INE562A16QG2 | 2.11% |
SMALL INDST. DEV. BANK OF INDIA - 29/01/2027 INE556F16BX0 | 2.11% |
7.61% TN SDL MAT 15/02/27. IN3120160194 | 1.82% |
TOYOTA FINANCIAL SERVICES INDIA LTD INE692Q07480 | 1.80% |
BAJAJ HOUSING FINANCE LTD INE377Y07557 | 1.78% |
ICICI BANK LTD INE090A08TY8 | 1.34% |
NHPC LTD. INE848E07BA1 | 1.34% |
ICICI SECURITIES LTD. INE763G14F35 | 1.26% |
NABARD - 18/03/2027 INE261F16AQ3 | 1.26% |
06.75% GUJRAT SDL 05/02/2027 IN1520240186 | 0.90% |
NHPC LTD. INE848E07AV9 | 0.89% |
INDIAN BANK LTD. - 04/12/2026 INE562A16QM0 | 0.85% |
HDFC BANK LTD - 21/12/2026 INE040A16II2 | 0.85% |
C STRIP MAT- 15/12/2027 IN001227C056 | 0.56% |
| Security | % NAV |
|---|---|
A2 UNITS INF0RQ622028 | 0.26% |
Performance Comparison
Interested in This Fund?
Our experts will help you decide if this fund fits your goals.
Investment Objective
UTI Banking & PSU Fund- Regular Plan - Growth Option 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 & PSU Fund- Regular Plan - Growth Option 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)