UTI Banking & PSU Debt Fund
UTI Mutual Fund · Banking & PSU · Direct plan, growth option
NAV (₹), 1 Oct 2026
24.0854
1-day change
0.04%
1Y return
6.1%
3Y CAGR
7.5%
5Y CAGR
7.8%
Max drawdown, 5Y
−1.1%
NAV history month-end NAV, ₹ · 6 Feb 2014 to 1 Oct 2026
Returns vs Banking & PSU median (20 schemes)
| Period | Scheme | Category median |
|---|---|---|
| 1 month | 0.5% | 0.1% |
| 3 months | 1.5% | 0.4% |
| 6 months | 3.6% | 3.0% |
| Year to date | 4.6% | 3.4% |
| 1 year | 6.1% | 4.7% |
| 3 years (CAGR) | 7.5% | 7.1% |
| 5 years (CAGR) | 7.8% | 6.2% |
| 7 years (CAGR) | 7.4% | 6.8% |
| 10 years (CAGR) | 6.5% | 7.1% |
| Since first NAV (CAGR) | 7.2% | – |
Rolling returns every business-day start date
| Measure | Scheme | Category median |
|---|---|---|
| 1Y rolling median | 7.8% | 7.8% |
| 3Y rolling median | 7.4% | 7.7% |
| 3Y rolling worst | 3.5% | 4.7% |
| 3Y periods positive | 100% | 100% |
| 3Y periods ahead of benchmark | n/a | n/a |
| 5Y rolling median | 6.6% | 7.3% |
| 5Y rolling worst | 4.4% | 6.0% |
| 5Y periods ahead of benchmark | n/a | n/a |
Benchmark: none available in MFIC's free data for this category.
Risk 36 months, monthly returns, Rf 6.5%
| Measure | Scheme | Category median |
|---|---|---|
| Standard deviation (ann.) | 1.0% | 1.6% |
| Sharpe ratio | 0.85 | 0.28 |
| Sortino ratio | 1.56 | 0.45 |
| Beta | n/a | n/a |
| Alpha (ann.) | n/a | n/a |
| Upside capture | n/a | n/a |
| Downside capture | n/a | n/a |
Drawdowns peak-to-trough falls in NAV
| Measure | Scheme | Category median |
|---|---|---|
| Maximum drawdown, full history | −6.7% | −3.0% |
| Maximum drawdown, last 10Y | −6.7% | −3.1% |
| Maximum drawdown, last 5Y | −1.1% | −1.1% |
| Current drawdown | 0.0% | −0.3% |
| Recovery time of worst fall | 283 days | – |
Longer histories include more crises, so compare the 5Y and 10Y figures across schemes of different ages.
Direct or Regular for this scheme?
The Regular plan's expense ratio is 0.47% a year and the Direct plan's 0.24%, a gap of 0.23%; over the last 3 years the Direct plan returned 0.27 percentage points a year more. On a ₹25,000 monthly SIP for 20 years (illustration at 12% a year before costs) the gap adds up to about ₹6,10,369.
With the Regular plan, that cost pays a distributor to help you plan, choose and review funds, and stay invested when markets fall. Whether it is worth it depends on how much of that you will do yourself.
TER: AMFI TER disclosure. Returns: AMFI NAVs. Illustration, not a guaranteed saving or return.
Fund managers and scheme facts Scheme Summary Document via AMFI
| Fund manager | Role | Managing since |
|---|---|---|
| Anurag Mittal | 1 Dec 2021 | |
| Not Applicable | 1 Dec 2021 | |
| Not Applicable | 1 Dec 2021 | |
| Not Applicable | 1 Dec 2021 |
Objective: The investment objective of the scheme is to generate reasonable income, with low risk and high level of liquidity from a portfolio of predominantly debt & money market securities issued by Banks, Public Sector Undertakings (PSUs), Public Financial Institutions (PFIs) and Municipal Bonds. However there can be no assurance that the investment objective of the Scheme will be achieved. The Scheme does not guarantee / indicate any returns.
Stated asset allocation: Debt and Money Market Securities issued by Banks, Public Financial Institutions (PFIs) and Public Sector Undertakings (PSUs) and Municipal Bonds : 80% - 100% Debt and Money Market Securities (including Triparty Repos on Government Securities or treasury bill & Repo) issued by entities other than Banks, Public Financial Institutions (PFIs), Public Sector Undertakings (PSUs) and Municipal Bonds : 0% - 20% Units issued by InvITs: 0% - 10%
Benchmark (tier 1): Nifty Banking & PSU Debt Index A-II
Minimum application: Regular Plan-Monthly Reinvestment of IDCW- Rs.20000, Regular Plan-Monthly Payout of IDCW- Rs.20000, Regular Plan-Half-yearly Reinvestment of IDCW- Rs.20000, Regular Plan-Half-yearly Payout of IDCW- Rs.20000, Regular Plan-Growth- Rs.500, Direct Plan-Growth- Rs.500, Regular Plan-Flexi Reinvestment of IDCW- Rs.20000, Regular Plan-Flexi Payout of IDCW- Rs.20000, Regular Plan-Quarterly Reinvestment of IDCW- Rs.20000, Regular Plan-Quarterly Payout of IDCW- Rs.20000, Direct Plan-Flexi Reinvestment of IDCW- Rs.20000, Direct Plan-Flexi Payout of IDCW- Rs.20000, Direct Plan-Half-yearly Reinvestment of IDCW- Rs.20000, Direct Plan-Half-yearly Payout of IDCW- Rs.20000, Direct Plan-Annual Reinvestment of IDCW- Rs.20000, Direct Plan-Annual Payout of IDCW- Rs.20000, Direct Plan-Monthly Reinvestment of IDCW- Rs.20000, Direct Plan-Monthly Payout of IDCW- Rs.20000, Direct Plan-Quarterly Reinvestment of IDCW- Rs.20000, Direct Plan-Quarterly Payout of IDCW- Rs.20000, Regular Plan-Annual Reinvestment of IDCW- Rs.20000, Regular Plan-Annual Payout of IDCW- Rs.20000, "Note - Fresh subscriptions in Income Distribution Cum Capital Withdrawal (IDCW) option through all modes such as Lump Sum mode (including Switches) and fresh registration of Systematic Investment Plan (SIP) and/or Systematic Transfer Plan (STP) registration, special products/features in the scheme is discontinued w.e.f. September 04, 2026:"
Allotment date: 3 Feb 2014
Documents: Scheme Information Document · Scheme Summary Document. Read the scheme documents before investing.
Cost, size and riskometer as disclosed to AMFI
| Measure | Scheme | Category median |
|---|---|---|
| Expense ratio (TER), Direct plan | 0.24% | 0.36% |
| AUM, whole scheme (₹ crore) | 1,448 | 2,863 |
| Riskometer | Low to Moderate | – |
TER: AMFI, TER of MF Schemes. AUM and riskometer: AMFI, Fund Performance, 30 Sep 2026.
Official benchmark and category consistency
| Measure | Scheme | Benchmark / category |
|---|---|---|
| Return, 1 year (AMFI) | 6.1% | 4.4% TRI |
| Return, 3 years (AMFI) | 7.4% | 6.6% TRI |
| Return, 5 years (AMFI) | 7.7% | 5.6% TRI |
| Month-ends above category median (3Y CAGR) | 59% | 44% median |
| Month-ends in category top quartile (3Y) | 48% | 23% median |
| 7Y rolling CAGR, median (monthly windows) | 6.4% | 7.5% median |
Official benchmark: NIFTY Banking & PSU Debt Index A-II (total return index, as published by AMFI). Category consistency: last 10 years of month-ends, Banking & PSU Direct plans; how it is calculated.
Calendar-year returns NAV change from 31 Dec to 31 Dec
| Year | Scheme | Benchmark | Difference |
|---|---|---|---|
| 2026 YTD | 4.6% | n/a | – |
| 2025 | 8.0% | n/a | – |
| 2024 | 7.9% | n/a | – |
| 2023 | 7.0% | n/a | – |
| 2022 | 10.6% | n/a | – |
| 2021 | 3.0% | n/a | – |
| 2020 | 8.9% | n/a | – |
| 2019 | -0.9% | n/a | – |
| 2018 | 6.9% | n/a | – |
| 2017 | 6.5% | n/a | – |
No free benchmark proxy for this category. The first year starts from the first 31 December in the scheme's history.
Monthly SIP of ₹10,000 first business day of each month, ending 1 Oct 2026
| Period | Invested | Value | XIRR |
|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1,24,133 | 6.4% |
| 3 years | ₹3,60,000 | ₹4,00,932 | 7.1% |
| 5 years | ₹6,00,000 | ₹7,24,083 | 7.5% |
| 10 years | ₹12,00,000 | ₹17,07,502 | 6.9% |
Uses this plan's NAVs; ignores stamp duty, exit loads and taxes. One historical path only — the interactive SIP analyzer shows outcomes across every start date.
Scheme facts
AMC: UTI Mutual Fund
Category: Banking & PSU
Plan / option: Direct · Growth
AMFI scheme code: 126940
ISIN: INF789F015Z6
First NAV in MFIC data: 6 Feb 2014
History: 12.6 years
Portfolio holdings: see the scheme's monthly portfolio disclosure on the fund house website
Schemes that behaved similarly correlation of monthly returns, last 5 years
| Scheme | Category | Correlation | 3Y CAGR |
|---|---|---|---|
| Nippon India CRISIL - IBX AAA Financial Services - Jan 2028 Index Fund | Debt Index Fund | 0.96 | n/a |
| HSBC Corporate Bond Fund | Corporate Bond | 0.95 | 7.3% |
| UTI Medium to Long Term Fund | Medium to Long Duration | 0.94 | 6.3% |
| Kotak CRISIL-IBX AAA Financial Services Index-Sep 2027 Fund | Debt Index Fund | 0.94 | n/a |
| Bajaj Finserv Banking and PSU Debt Fund | Banking & PSU | 0.93 | n/a |
| UTI Dynamic Term Fund | Dynamic Bond | 0.93 | 7.2% |
Questions about UTI Banking & PSU Debt Fund
- What is the latest NAV of UTI Banking & PSU Debt Fund?
- The NAV of the Direct plan (growth option) was ₹24.0854 on 1 Oct 2026, as published by AMFI.
- Which category is UTI Banking & PSU Debt Fund in?
- It is classified as Banking & PSU in AMFI's daily NAV file. MFIC compares it with 20 Banking & PSU schemes (Direct plans).
- What returns has UTI Banking & PSU Debt Fund delivered?
- Over one year the NAV changed by 6.1%. The 3-year CAGR is 7.5% (category median 7.1%) and the 5-year CAGR is 7.8% (category median 6.2%). Returns are after expenses and before tax. Past performance may or may not be sustained in future.
- How consistent have its 3-year returns been?
- Measuring a 3-year CAGR from every business day in its history, the median was 7.4%, the lowest was 3.5%, and 100% of 3-year periods ended with a gain.
- What was the largest fall in UTI Banking & PSU Debt Fund's NAV?
- The largest peak-to-trough fall in its available history was 6.7%; within the last five years it was 1.1% (category median 1.1%).
- How volatile is UTI Banking & PSU Debt Fund?
- Its annualised standard deviation of monthly returns over the last 36 months is 1.0%, which is below the Banking & PSU category median of 1.6%.
- What would a monthly SIP in UTI Banking & PSU Debt Fund have grown to?
- A SIP of ₹10,000 on the first business day of each month for the last 5 years (60 instalments, ₹6,00,000 invested) would have been worth about ₹7,24,083 on 1 Oct 2026, an annualised return (XIRR) of 7.5%. This uses the Direct plan's NAVs, ignores taxes and exit loads, and past performance may or may not be sustained in future.
- What is the expense ratio (TER) of UTI Banking & PSU Debt Fund?
- The total expense ratio of the Direct plan is 0.24% a year, as disclosed to AMFI (median of Banking & PSU Direct plans: 0.36%). It is already deducted from the NAV, so every return shown is after expenses.
- How large is UTI Banking & PSU Debt Fund?
- Assets under management of the whole scheme were ₹1,448 crore on 30 Sep 2026, as published by AMFI.
- What is the riskometer level of UTI Banking & PSU Debt Fund?
- AMFI lists the scheme's riskometer as “Low to Moderate”, and its benchmark's as “Low to Moderate”. The riskometer is a label of potential risk set under SEBI rules, not a forecast.
- What is the benchmark of UTI Banking & PSU Debt Fund and how has it compared?
- Its official benchmark is the NIFTY Banking & PSU Debt Index A-II. Over 3 years AMFI reports a return of 7.4% for this plan against 6.6% for the benchmark total return index; over 5 years 7.7% against 5.6%. Past performance does not indicate future results.
- How often has UTI Banking & PSU Debt Fund beaten its category?
- At 59% of the 116 month-ends compared over the last 10 years, its 3-year return was above the median of Banking & PSU schemes (Direct plans); it was in the top quarter at 48% of them. A typical scheme would show about 50%.
- Who manages UTI Banking & PSU Debt Fund?
- According to its Scheme Summary Document, UTI Banking & PSU Debt Fund is managed by Anurag Mittal (since 1 Dec 2021), Not Applicable (since 1 Dec 2021), Not Applicable (since 1 Dec 2021), Not Applicable (since 1 Dec 2021).
- What is the minimum investment in UTI Banking & PSU Debt Fund?
- The minimum application amount is Regular Plan-Monthly Reinvestment of IDCW- Rs.20000, Regular Plan-Monthly Payout of IDCW- Rs.20000, Regular Plan-Half-yearly Reinvestment of IDCW- Rs.20000, Regular Plan-Half-yearly Payout of IDCW- Rs.20000, Regular Plan-Growth- Rs.500, Direct Plan-Growth- Rs.500, Regular Plan-Flexi Reinvestment of IDCW- Rs.20000, Regular Plan-Flexi Payout of IDCW- Rs.20000, Regular Plan-Quarterly Reinvestment of IDCW- Rs.20000, Regular Plan-Quarterly Payout of IDCW- Rs.20000, Direct Plan-Flexi Reinvestment of IDCW- Rs.20000, Direct Plan-Flexi Payout of IDCW- Rs.20000, Direct Plan-Half-yearly Reinvestment of IDCW- Rs.20000, Direct Plan-Half-yearly Payout of IDCW- Rs.20000, Direct Plan-Annual Reinvestment of IDCW- Rs.20000, Direct Plan-Annual Payout of IDCW- Rs.20000, Direct Plan-Monthly Reinvestment of IDCW- Rs.20000, Direct Plan-Monthly Payout of IDCW- Rs.20000, Direct Plan-Quarterly Reinvestment of IDCW- Rs.20000, Direct Plan-Quarterly Payout of IDCW- Rs.20000, Regular Plan-Annual Reinvestment of IDCW- Rs.20000, Regular Plan-Annual Payout of IDCW- Rs.20000, "Note - Fresh subscriptions in Income Distribution Cum Capital Withdrawal (IDCW) option through all modes such as Lump Sum mode (including Switches) and fresh registration of Systematic Investment Plan (SIP) and/or Systematic Transfer Plan (STP) registration, special products/features in the scheme is discontinued w.e.f. September 04, 2026:". SIP details: SIP - D-500/W-500/M-500/Q-1500 SWP - M-500/Q-500/H-500/Y-500 STP - D-100/W-1000/M-1000/Q-3000 Flexi STP - D- 100/W-1000/M-1000/Q-3000 "Note - Fresh subscriptions in Income Distribution Cum Capital Withdrawal (IDCW) option through all modes such as Lump Sum mode (including Switches) and fresh registration of Systematic Investment Plan (SIP) and/or Systematic Transfer Plan (STP) registration, special products/features in the scheme is discontinued w.e.f. September 04, 2026:".
- What is the difference between the Direct and Regular plans?
- Both plans hold the same portfolio; the Regular plan includes distribution costs in its expense ratio. Over one year the Direct plan's NAV changed by 6.1% and the Regular plan's by 5.8%. The Regular plan includes the services of a distributor.
Reviewing your own mutual fund portfolio?
Integrato's team can walk you through how your current schemes have behaved, using the same data shown here. Integrato is an AMFI-registered Mutual Fund Distributor.
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Data & disclosure. Source: AMFI daily NAV file and historical NAVs via mfapi.in; calculations by MFIC, as of 1 Oct 2026. Category medians use Direct plans in the same AMFI category. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Past performance may or may not be sustained in future. This page is for research and education only and is not investment advice or a recommendation to buy, sell or hold any scheme. Integrato Financial Services Pvt. Ltd. is an AMFI-registered Mutual Fund Distributor (ARN-173155). Methodology.