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UTI Banking & PSU Fund - Direct Plan - IDCW - Half Yearly

  • Regular
  • Direct
Category : Banking and PSU Fund
Fund House : UTI Mutual Fund
  • NAV
    : ₹ 15.1305 0.02%
    (as on 17th October, 2025)
Crisil Rating
Above average performance among peers
Risk-O-Meter
Moderate Risk

The fund has 94.19% investment in Debt, of which 14.6% in Government securities, 79.59% is in Low Risk securities.

This Scheme
VS
  • NIFTY Banking & PSU Debt Index A-II
  • NA
  • NA
  • Gold
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Returns (NAV as on 17th October, 2025)

Period Invested for ₹10000 Invested on Latest Value Absolute Returns Annualised Returns Category Avg Rank within Category
1 Week 10-Oct-25 10014.50 0.14% - 0.22% 20/22
1 Month 17-Sep-25 10071.60 0.72% - 0.89% 20/22
3 Month 17-Jul-25 10145.80 1.46% - 1.38% 4/22
6 Month 17-Apr-25 10370.20 3.70% - 3.34% 2/22
YTD 01-Jan-25 10696.10 6.96% - 6.90% 11/22
1 Year 17-Oct-24 10821.90 8.22% 8.22% 8.21% 13/22
2 Year 17-Oct-23 11739.70 17.40% 8.34% 8.37% 14/21
3 Year 17-Oct-22 12592.70 25.93% 7.98% 7.92% 10/21
5 Year 16-Oct-20 13812.70 38.13% 6.67% 6.24% 1/17
Since Inception 19-Jun-17 15213.60 52.14% 5.16% 7.62% 16/21

SIP Returns (NAV as on 17th October, 2025)

Period Invested for ₹1000 SIP Started on Investments Latest Value Absolute Returns Annualised Returns
1 Year 17-Oct-24 12000 12530.15 4.42 % 8.27 %
2 Year 17-Oct-23 24000 26114.47 8.81 % 8.34 %
3 Year 17-Oct-22 36000 40676.6 12.99 % 8.09 %
5 Year 16-Oct-20 60000 73144.15 21.91 % 7.85 %
 

Tax Treatment

Any profit will be clubbed with your income and taxed at your effective tax rate.

Portfolio (Updated on 30th Sep,2025)

No of Debt Holding 28 (Category Avg - 58.09) | Modified Duration 1.63 Years (Category Avg - 3.01)| Yield to Maturity 6.55% (Category Avg - 6.69%)

Type of Holdings

Security Type
% Weight
Category Average
GOI 14.60% 14.77%
CD 0.00% 5.35%
T-Bills 0.00% 0.03%
CP 0.00% 0.16%
NCD & Bonds 79.59% 72.21%
PTC 0.00% 0.94%

Investment / Portfolio Grades

Security Type
% Weight
Category Average
Government Backed 14.60% 14.80%
Low Risk 79.59% 78.67%
Moderate Risk 0.00% 0.00%
High Risk 0.00% 0.00%
Very High Risk 0.00% 0.00%
Others 0.00% 0.00%
Name Type of Instrument Weight (%)
Net Receivables Net Receivables 3.66%
TREPS TREPS 2.15%

Risk Ratios

Ratios calculated on daily returns for last 3 years (Updated as on 30th September, 2025)

  • Standard Deviation

    High volatility
    0.8vs0.76
    Category Avg
  • Beta

    High volatility
    0.92vs0.82
    Category Avg
  • Sharpe Ratio

    Better risk adjusted returns
    1.85vs1.79
    Category Avg
  • Treynor's Ratio

    Better risk adjusted returns
    0.02vs0.02
    Category Avg
  • Jensen's Alpha

    Better risk adjusted returns
    0.21vs0.19
    Category Avg

Alternative Funds (Category Peers)

Scheme Name
Crisil Rank
Asset Size (Cr)
1M
3M
6M
1Y
3Y
SBI Banking and PSU Fund - Direct Plan - Growth 1 4073.05 0.96 1.50 3.50 8.48 8.02
LIC MF Banking & PSU Fund - Direct Plan - Growth 3 1909.36 0.91 1.34 3.40 8.48 8.07
ICICI Prudential Banking & PSU Debt Fund - Direct Plan - Growth 2 9743.57 0.93 1.44 3.40 8.47 8.06
HSBC Banking and PSU Debt Fund - Direct Plan - Growth 4 4425.66 0.87 1.44 3.58 8.46 7.83
Bajaj Finserv Banking and PSU Fund - Direct Plan - Growth NA 292.77 1.00 1.37 3.43 8.44 0.00
Franklin India Banking & PSU Debt Fund - Direct Plan - Growth 1 499.27 0.91 1.64 3.78 8.41 8.00
Nippon India Banking and PSU Fund - Direct Plan - Growth 3 5483.15 1.00 1.35 3.27 8.38 8.10
Baroda BNP Paribas Banking & PSU Bond Fund - Plan B (Direct) - Growth 2 26.92 0.87 1.31 3.26 8.31 7.94
Kotak Banking and PSU Debt Fund - Direct Plan - Growth 3 5800.08 1.03 1.39 3.28 8.31 8.09
Axis Banking & PSU Debt Fund - Direct Plan - Growth 3 13055.74 0.86 1.41 3.40 8.30 7.77

More Funds from UTI Mutual Fund

Out of 71 mutual fund schemes offered by this AMC, 1 is/are ranked 5 * , 5 is/are ranked 4 * , 12 is/are ranked 3 * , 9 is/are ranked 2 * , 1 is/are ranked 1 * , and 43 schemes are not ranked. See more about AMC

Scheme Name
Crisil Rank
Asset Size (Cr)
1M
3M
6M
1Y
3Y
UTI Flexi Cap Fund - Direct Plan - Growth 2 25187.42 -0.19 2.16 9.05 2.71 12.70
UTI Nifty 50 Index Fund - Direct Plan - Growth 3 24335.81 1.50 2.66 8.62 4.99 15.14
UTI Liquid Fund - Direct Plan - Growth 2 21945.52 0.48 1.44 3.04 6.83 7.10
UTI Money Market Fund - Direct Plan - Growth 2 18862.20 0.54 1.47 3.47 7.81 7.70
UTI Large Cap Fund - Direct Plan - Growth 2 12946.56 0.72 2.55 7.90 3.09 14.68
UTI Mid Cap Fund - Direct Plan - Growth 2 11666.34 -1.28 -1.11 12.81 -3.32 17.82
UTI Value Fund - Direct Plan - Growth 3 9726.59 0.18 1.19 10.23 0.84 20.44
UTI Arbitrage Fund - Direct Plan - Growth 4 9167.09 0.65 1.58 3.14 7.29 7.68
UTI Nifty200 Momentum 30 Index Fund - Direct Plan - Growth NA 8204.04 2.75 3.06 13.86 -12.03 19.09
UTI Overnight Fund - Direct Plan - Growth NA 6558.86 0.44 1.36 2.76 6.07 6.45

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