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 27 (Category Avg - 61.62) | Modified Duration 1.54 Years (Category Avg - 2.97)| Yield to Maturity 6.50% (Category Avg - 6.68%)

Portfolio Summary (as on 30th Nov,2025)

Security Type	% Weight	Category Average
GOI	14.69%	14.19%
CD	0.00%	5.98%
T-Bills	0.00%	0.04%
CP	0.00%	0.12%
NCD & Bonds	78.79%	73.63%
PTC	0.00%	0.96%

Category - Banking and PSU Fund

Security Type	% Weight	Category Average
Government Backed	14.69%	14.22%
Low Risk	78.79%	80.69%
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 30th Nov,2025)

Instrument	Type	Sector	Rating	Rating Agency	Value (Mn)	% of Total Holding	Quantity
Bond - Govt of India	GOI	Other			923.67	11.38%	90.00 Cr
Bond - Axis Bank Ltd.	NCD & Bonds	Private sector bank	AAA	CRISIL	555.03	6.84%	550.00
Bond - Export Import Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	510.22	6.29%	5.00 k
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	508.11	6.26%	5.00 k
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	408.62	5.04%	400.00
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	358.39	4.42%	3.50 k
Bond - National Housing Bank	NCD & Bonds	Financial institution	AAA	CRISIL	355.75	4.38%	3.50 k
Bond - HDFC Bank Ltd.	NCD & Bonds	Private sector bank	CARE AAA	CARE	352.74	4.35%	350.00
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	305.46	3.76%	3.00 k
Bond - Indian Railway Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	304.53	3.75%	300.00
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	258.44	3.18%	250.00
Bond - Indian Railway Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	254.86	3.14%	2.50 k
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	254.68	3.14%	250.00
Bond - National Housing Bank	NCD & Bonds	Financial institution	AAA	CRISIL	253.74	3.13%	2.50 k
Bond - Aditya Birla Housing Finance Ltd.	NCD & Bonds	Housing finance company	LAAA	ICRA	253.46	3.12%	2.50 k
Bond - Export Import Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	251.92	3.10%	250.00
Bond - Indian Oil Corporation Ltd.	NCD & Bonds	Refineries & marketing	AAA	CRISIL	249.73	3.08%	250.00
Bond - LIC Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	249.33	3.07%	250.00
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	152.91	1.88%	150.00
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	LAAA	ICRA	152.07	1.87%	1.50 k
Bond - NHPC Ltd.	NCD & Bonds	Power generation	INDAAA	FITCH	151.75	1.87%	750.00
Bond - ICICI Bank Ltd.	NCD & Bonds	Private sector bank	LAAA	ICRA	151.50	1.87%	150.00
Bond - Govt of India	GOI	Other			102.77	1.27%	10.00 Cr
Bond - NHPC Ltd.	NCD & Bonds	Power generation	LAAA	ICRA	101.61	1.25%	500.00
Bond - Govt of India	GOI	Other			62.14	0.77%	7.00 Cr
Bond - Govt of India	GOI	Other			52.04	0.64%	5.00 Cr
Bond - Govt of India	GOI	Other			51.12	0.63%	5.00 Cr

Name	Type of Instrument	Weight (%)
Net Receivables	Net Receivables	4.54%
TREPS	TREPS	1.96%
Margin	Margin	0.02%

UTI Banking & PSU Fund - Growth

Portfolio Summary (as on 30th Nov,2025)

Debt holding in Portfolio (as on 30th Nov,2025)

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