UTI Banking & PSU Fund - IDCW - Half Yearly

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 - 58.09) | Modified Duration 1.63 Years (Category Avg - 3.01)| Yield to Maturity 6.55% (Category Avg - 6.69%)

Portfolio Summary (as on 30th Sep,2025)

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%

Category - Banking and PSU Fund

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%

Category - Banking and PSU Fund

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

Instrument	Type	Sector	Rating	Rating Agency	Value (Mn)	% of Total Holding	Quantity
Bond - Govt of India	GOI	Other			923.90	11.32%	90.00 Cr
Bond - Axis Bank Ltd.	NCD & Bonds	Private sector bank	AAA	CRISIL	555.08	6.80%	550.00
Bond - Export Import Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	509.38	6.24%	5.00 k
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	508.07	6.23%	5.00 k
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	408.20	5.00%	400.00
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	358.13	4.39%	3.50 k
Bond - National Housing Bank	NCD & Bonds	Financial institution	AAA	CRISIL	355.73	4.36%	3.50 k
Bond - HDFC Bank Ltd.	NCD & Bonds	Private sector bank	CARE AAA	CARE	353.90	4.34%	350.00
Bond - Indian Railway Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	305.08	3.74%	300.00
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	304.90	3.74%	3.00 k
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	258.49	3.17%	250.00
Bond - Indian Railway Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	254.99	3.12%	2.50 k
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	254.35	3.12%	250.00
Bond - National Housing Bank	NCD & Bonds	Financial institution	AAA	CRISIL	253.75	3.11%	2.50 k
Bond - Aditya Birla Housing Finance Ltd.	NCD & Bonds	Housing finance company	LAAA	ICRA	253.54	3.11%	2.50 k
Bond - Export Import Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	252.30	3.09%	250.00
Bond - Indian Oil Corporation Ltd.	NCD & Bonds	Refineries & marketing	AAA	CRISIL	249.44	3.06%	250.00
Bond - ICICI Bank Ltd.	NCD & Bonds	Private sector bank	LAAA	ICRA	247.19	3.03%	250.00
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	152.75	1.87%	150.00
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	LAAA	ICRA	152.12	1.86%	1.50 k
Bond - NHPC Ltd.	NCD & Bonds	Power generation	INDAAA	FITCH	151.50	1.86%	750.00
Bond - ICICI Bank Ltd.	NCD & Bonds	Private sector bank	LAAA	ICRA	151.46	1.86%	150.00
Bond - Govt of India	GOI	Other			102.71	1.26%	10.00 Cr
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	102.19	1.25%	1.00 k
Bond - NHPC Ltd.	NCD & Bonds	Power generation	LAAA	ICRA	101.47	1.24%	500.00
Bond - Govt of India	GOI	Other			61.47	0.75%	7.00 Cr
Bond - Govt of India	GOI	Other			51.99	0.64%	5.00 Cr
Bond - Govt of India	GOI	Other			51.17	0.63%	5.00 Cr

Name	Type of Instrument	Weight (%)
Net Receivables	Net Receivables	3.66%
TREPS	TREPS	2.15%

Forum

NITINPIMPALE
MF Investment Help
Follow

8 days ago

purchase unit will adjust difference in NAV 10.263 View more

Posted by : NITINPIMPALE
- Like
- Reply
  
  reply Cancel
- Share
  
  276
- Repost
  
  Repost this message
  
  purchase unit will adjust difference in NAV 10.263
  
  Repost Cancel
You will now receive notification when someone reply to this message.
krishna_ksvs
MF Investment Help
Follow

20 days ago

View more

Posted by : krishna_ksvs
- Like
- Reply
  
  reply Cancel
- Share
  
  276
- Repost
  
  Repost this message
  
  Repost Cancel
You will now receive notification when someone reply to this message.
The Fixed Income
Bonds
Follow

6 hrs ago

Invest in Stability with Long-Term Growth! 9.41% INDIA INFRASTRUCTURE FINANCE COMPANY LIMITED 2037 ✔️ Coupon: 9.41% ✔️ Rating: CARE AAA Stable ✔️ Tenor: 11y 9m (Maturity: 27/Jul/2037) Secured Bond | PSU Bond | High Return Bond | Listed Enjoy a secure, government-backed investment with steady returns over the long term. ???? Explore on The Fixed Income :https://www.thefixedincome.com/product/dUJHdFp3PT0=/941-india-infrastructure-finance-company-limited-2037?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list View more

Posted by : The Fixed Income
- Like
- Reply
  
  reply Cancel
- Share
  
  276
- Repost
  
  Repost this message
  
  Invest in Stability with Long-Term Growth! 9.41% INDIA INFRASTRUCTURE FINANCE COMPANY LIMITED 2037 ✔️ Coupon: 9.41% ✔️ Rating: CARE AAA Stable ✔️ Tenor: 11y 9m (Maturity: 27/Jul/2037) Secured Bond | PSU Bond | High Return Bond | Listed Enjoy a secure, government-backed investment with steady returns over the long term. ???? Explore on The Fixed Income :https://www.thefixedincome.com/product/dUJHdFp3PT0=/941-india-infrastructure-finance-company-limited-2037?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list
  
  Repost Cancel
You will now receive notification when someone reply to this message.
shravanashok
MF Investment Help
Follow

70 days ago

need your suggestion for sbi psu fund direct growth stay or switch View more

Posted by : shravanashok
- Like
- Reply
  
  reply Cancel
- Share
  
  276
- Repost
  
  Repost this message
  
  need your suggestion for sbi psu fund direct growth stay or switch
  
  Repost Cancel
You will now receive notification when someone reply to this message.
ravisistla
MF Investment Help
Follow

83 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

Posted by : ravisistla
- Like
- Reply
  
  reply Cancel
- Share
  
  276
- Repost
  
  Repost this message
  
  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.
  
  Repost Cancel
You will now receive notification when someone reply to this message.
sunny85deol
MF Investment Help
Follow

120 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

Posted by : sunny85deol
- Like
- Reply
  
  reply Cancel
- Share
  
  276
- Repost
  
  Repost this message
  
  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.
  
  Repost Cancel
You will now receive notification when someone reply to this message.

+ See More

Advisory Alert: It has come to our attention that certain individuals are representing themselves as affiliates of Moneycontrol and soliciting funds on the false promise of assured returns on their investments. We wish to reiterate that Moneycontrol does not solicit funds from investors and neither does it promise any assured returns. In case you are approached by anyone making such claims, please write to us at grievanceofficer@nw18.com or call on 02268882347