UTI Banking & PSU Fund - Growth

Regular

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.
Direct

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.

No of Debt Holding 28 (Category Avg - 58.59) | Modified Duration 1.70 Years (Category Avg - 3.07)| Yield to Maturity 6.61% (Category Avg - 6.76%)

Portfolio Summary (as on 31st Aug,2025)

Security Type	% Weight	Category Average
GOI	14.64%	15.74%
CD	0.00%	5.33%
T-Bills	0.00%	0.04%
CP	0.00%	0.04%
NCD & Bonds	79.89%	73.43%
PTC	0.00%	0.13%

Category - Banking and PSU Fund

Security Type	% Weight	Category Average
Government Backed	14.64%	15.78%
Low Risk	79.89%	78.93%
Moderate Risk	0.00%	0.00%
High Risk	0.00%	0.00%
Very High Risk	0.00%	0.00%
Others	0.00%	0.00%

Category - Banking and PSU Fund

Debt holding in Portfolio (as on 31st Aug,2025)

Instrument	Type	Sector	Rating	Rating Agency	Value (Mn)	% of Total Holding	Quantity
Bond - Govt of India	GOI	Other			923.17	11.36%	90.00 Cr
Bond - Axis Bank Ltd.	NCD & Bonds	Private sector bank	AAA	CRISIL	555.15	6.83%	550.00
Bond - Export Import Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	508.68	6.26%	5.00 k
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	508.18	6.25%	5.00 k
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	407.73	5.02%	400.00
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	358.23	4.41%	3.50 k
Bond - National Housing Bank	NCD & Bonds	Financial institution	AAA	CRISIL	356.27	4.38%	3.50 k
Bond - HDFC Bank Ltd.	NCD & Bonds	Private sector bank	CARE AAA	CARE	353.81	4.35%	350.00
Bond - Indian Railway Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	305.43	3.76%	300.00
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	304.86	3.75%	3.00 k
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	258.42	3.18%	250.00
Bond - Indian Railway Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	254.41	3.13%	2.50 k
Bond - National Housing Bank	NCD & Bonds	Financial institution	AAA	CRISIL	254.12	3.13%	2.50 k
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	254.03	3.13%	250.00
Bond - Aditya Birla Housing Finance Ltd.	NCD & Bonds	Housing finance company	LAAA	ICRA	253.48	3.12%	2.50 k
Bond - Export Import Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	252.51	3.11%	250.00
Bond - Indian Oil Corporation Ltd.	NCD & Bonds	Refineries & marketing	AAA	CRISIL	249.32	3.07%	250.00
Bond - ICICI Bank Ltd.	NCD & Bonds	Private sector bank	LAAA	ICRA	246.54	3.03%	250.00
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	152.70	1.88%	150.00
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	LAAA	ICRA	152.17	1.87%	1.50 k
Bond - NHPC Ltd.	NCD & Bonds	Power generation	INDAAA	FITCH	151.54	1.86%	750.00
Bond - ICICI Bank Ltd.	NCD & Bonds	Private sector bank	LAAA	ICRA	151.39	1.86%	150.00
Bond - Govt of India	GOI	Other			102.44	1.26%	10.00 Cr
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	102.17	1.26%	1.00 k
Bond - NHPC Ltd.	NCD & Bonds	Power generation	LAAA	ICRA	101.51	1.25%	500.00
Bond - Govt of India	GOI	Other			61.09	0.75%	7.00 Cr
Bond - Govt of India	GOI	Other			51.80	0.64%	5.00 Cr
Bond - Govt of India	GOI	Other			51.21	0.63%	5.00 Cr

Name	Type of Instrument	Weight (%)
Net Receivables	Net Receivables	3.71%
TREPS	TREPS	1.76%

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krishna_ksvs
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3 days ago

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hunch
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38 days ago

JMFLEXICAPfund regular is howing worst performance. bought at 107.693 in jly 24 and now 97.43 how to shuffle and compensate loss View more | 1

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  JMFLEXICAPfund regular is howing worst performance. bought at 107.693 in jly 24 and now 97.43 how to shuffle and compensate loss
  
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The Fixed Income
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1 days ago

Secure Your attractive Returns with a Long-Term PSU Bond 9.35% Telangana State Industrial Infrastructure Corporation Limited – 2031 ✔️ Coupon: 9.35% ✔️ Rating: INDIA RATING AA(CE) Stable, Acuite (SMERA) AA(CE) Stable ✔️ Tenor: 6y 3m (Maturity: 31/Dec/2031) ✔️ Senior Secured | PSU Bond | High Return Bond | Listed A reliable PSU bond offering steady returns over a long-term horizon. ???? Explore on The Fixed Income: https://www.thefixedincome.com/product/dVJldWJ3PT0=/935-telangana-state-industrial-infrastructure-corporation-limited-31dec2031?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list View more

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  Secure Your attractive Returns with a Long-Term PSU Bond 9.35% Telangana State Industrial Infrastructure Corporation Limited – 2031 ✔️ Coupon: 9.35% ✔️ Rating: INDIA RATING AA(CE) Stable, Acuite (SMERA) AA(CE) Stable ✔️ Tenor: 6y 3m (Maturity: 31/Dec/2031) ✔️ Senior Secured | PSU Bond | High Return Bond | Listed A reliable PSU bond offering steady returns over a long-term horizon. ???? Explore on The Fixed Income: https://www.thefixedincome.com/product/dVJldWJ3PT0=/935-telangana-state-industrial-infrastructure-corporation-limited-31dec2031?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list
  
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ravisistla
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66 days ago

Dividend last declared by SBI Long Term Equity Fund - regular Plan -IDCW was in the year 2022. Is there any specific reason given by fund managers for non declaration of dividend. Please let me know. View more

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  Dividend last declared by SBI Long Term Equity Fund - regular Plan -IDCW was in the year 2022. Is there any specific reason given by fund managers for non declaration of dividend. Please let me know.
  
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sunny85deol
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103 days ago

Hello sir, I have been invested in these funds since 2017. Last SIP was in 2021. As their NAV have grown so I was thinking of switching to other funds with lower NAV. View more

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  Hello sir, I have been invested in these funds since 2017. Last SIP was in 2021. As their NAV have grown so I was thinking of switching to other funds with lower NAV.
  
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Progrowth Finwealth
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104 days ago

Hi Sunny, what is he period of holding and also any particular reson for withdrawl out of these two funds that have grown over a period of time View more | 1

Posted by : Progrowth Finwealth
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  Hi Sunny, what is he period of holding and also any particular reson for withdrawl out of these two funds that have grown over a period of time
  
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