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UTI Banking & PSU Debt Fund - Regular Plan - Half yearly IDCW

UTI Mutual FundBanking & PSU FundsRegular · IDCW (income distribution)
NAV · 15 Oct 2026₹15.7875▼ 0.05% (1 day)
Fund size (AUM) —
Expense ratio —
1Y return+5.54%
3Y return (CAGR)+7.23%
5Y return (CAGR)+7.49%
Since launch (CAGR)+4.48%
Category rank (3Y) —
Volatility (3Y) 0.76%
Sharpe ratio (3Y) 0.96
Beta (3Y) —
52-week range₹14.9579 – ₹15.7971
Min. SIP / lump sum—
Launched26 May 2016
Lock-in—
Portfolio turnover —
Max drawdown -8.7%

Performance chart

Past performance may or may not be sustained in future.

Quick take

  • Over 5 years it returned 7.5% a year.
  • Volatility over 3 years was 0.8% a year, with a Sharpe ratio of 0.96.
  • Its biggest fall from a peak was 8.7% (15 Jan 2019 to 30 Apr 2019).
  • Across all 3-year periods since launch, yearly returns ranged from -0.6% to 9.4% and were positive 96% of the time.

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Returns vs benchmark and category

Returns (%)1W1M3M6MYTD1Y2Y3Y5Y7Y10YSince launch
This fund+0.02%+0.40%+1.58%+3.01%+4.54%+5.54%+6.78%+7.23%+7.49%+6.30%+4.42%+4.48%

Point-to-point NAV returns as on 15 Oct 2026; over 1 year, yearly compounded (CAGR). Category: Regular Growth plans in Banking & PSU Funds. Q1 = top quarter by return over that period.

Calendar-year returns

Year2026 YTD202520242023202220212020201920182017
This fund+4.54%+7.80%+7.64%+6.66%+10.32%-1.07%+6.94%-3.33%+2.55%+0.48%

January to December each year; the current year is to date.

Risk and consistency

Risk measure3 years5 years
Volatility (standard deviation) ?0.76%2.98%
Sharpe ratio ?0.960.33
Sortino ratio ?1.511.31
Maximum drawdown-0.41%-1.18%

Rolling 3-year returns (yearly)

Lowest-0.55%
Median+5.04%
Highest+9.42%
Positive96% of periods
Above 12% a year0% of periods

Rolling 5-year returns (yearly)

Lowest+0.89%
Median+4.26%
Highest+7.50%
Positive100% of periods
Above 12% a year0% of periods

Every 3- and 5-year period since launch, checked weekly. It shows how consistent returns were, whenever someone invested.

SIP returns: ₹10,000 every month

SIP forInvestedValue todayGainXIRR
1Y₹1,20,000₹1,23,879₹3,879+6.02%
3Y₹3,60,000₹3,99,028₹39,028+6.79%
5Y₹6,00,000₹7,18,004₹1,18,004+7.11%
10Y₹12,00,000₹16,06,399₹4,06,399+5.69%

A ₹10,000 instalment on the same date every month, valued at the latest NAV. XIRR is the yearly return on those dated instalments. Try the SIP calculator.

Compare with all Banking & PSU Funds (20)

About Banking & PSU Funds
Scheme (Regular plans, Growth)NAV1M6M1Y3Y5Y
Aditya Birla Sun Life Banking & PSU Debt Fund - Regular Plan - GROWTHAditya Birla Sun Life Mutual Fund₹386.9052—————
Axis Banking and PSU Debt Fund - Regular Plan - Growth optionAxis Mutual Fund₹2,794.00—————
Bajaj Finserv Banking and PSU Debt Fund - Regular Plan - GrowthBajaj Finserv Mutual Fund₹12.0375—————
Bandhan Banking and PSU Debt Fund - Regular Plan - GrowthBandhan Mutual Fund₹26.2846—————
Canara Robeco Banking and PSU Debt Fund - Regular Plan - Growth OptionCanara Robeco Mutual Fund₹12.6879—————
DSP Banking and PSU Debt Fund - Regular Plan - GrowthDSP Mutual Fund₹25.2145—————
Edelweiss Banking and PSU Debt Fund - Regular Plan - GrowthEdelweiss Mutual Fund₹26.0742—————
Franklin India Banking & PSU Debt Fund - Regular Plan - GrowthFranklin Templeton Mutual Fund₹24.1313—————
HDFC Banking and PSU Debt Fund - Regular Plan - Growth OptionHDFC Mutual Fund₹24.2656—————
HSBC Banking and PSU Debt Fund - Regular Plan - GrowthHSBC Mutual Fund₹25.6747—————
ICICI Prudential Banking and PSU Debt Fund - Regular Plan - GrowthICICI Prudential Mutual Fund₹34.7463—————
Invesco India Banking and PSU Debt Fund - Regular Plan - GrowthInvesco Mutual Fund₹2,390.83—————
ITI Banking & PSU Debt Fund - Regular Plan - Growth OptionITI Mutual Fund₹13.7653—————
Kotak Banking and PSU Debt Fund - Regular Plan - GrowthKotak Mahindra Mutual Fund₹69.3543—————
LIC MF Banking & PSU Debt Fund - Regular Plan - GrowthLIC Mutual Fund₹36.9292—————
Mirae Asset Banking and PSU Debt Fund - Regular Plan - GrowthMirae Asset Mutual Fund₹13.6146—————
Nippon India Banking and PSU Debt Fund - Regular Plan - Growth OptionNippon India Mutual Fund₹21.9219—————
SBI BANKING & PSU DEBT FUND - Regular Plan - GrowthSBI Mutual Fund₹3,312.73—————
Sundaram Banking and PSU Debt Fund (Formerly Known as Sundaram Banking and PSU Fund) - Regular Plan - GROWTHSundaram Mutual Fund₹45.7222—————
UTI Banking & PSU Debt Fund - Regular Plan - GrowthUTI Mutual Fund₹23.6410—————

Sorted by 3-year return; tap a heading to sort. Sorting by past returns is a way to explore data, not a ranking of which fund to choose. 3Y and 5Y are yearly (CAGR).

Scheme details

Fund house
UTI Mutual Fund
Category
Banking & PSU Funds · Debt
Plan / option
Regular · IDCW (income distribution)
AMFI scheme code
139407
ISIN
INF789FA1U20, INF789FA1U38
Exit load & portfolio
See the scheme's KIM and monthly factsheet on the fund house website.

Questions about this scheme

What is the NAV of UTI Banking & PSU Debt Fund today?
The latest NAV of UTI Banking & PSU Debt Fund - Regular Plan - Half yearly IDCW is ₹15.7875 as on 15 Oct 2026, as published by AMFI. NAVs are updated every business day evening.
What returns has UTI Banking & PSU Debt Fund given?
As on 15 Oct 2026: 1 year +5.54%, 3 years +7.23% a year, 5 years +7.49% a year. Past returns may or may not be sustained in future.
What is the expense ratio of UTI Banking & PSU Debt Fund?
See the scheme's latest factsheet on the fund house website for its expense ratio.
How risky is this fund?
Over 3 years its volatility was 0.8% a year and its biggest fall from a peak was 0.4%. Mutual fund investments are subject to market risks.
What is the difference between Direct and Regular plans?
Both plans hold the same portfolio. A Direct plan is bought straight from the fund house and has a lower expense ratio. A Regular plan is bought through a distributor, who is paid a commission from the expense ratio, so its NAV grows slightly slower.
What are Banking & PSU Funds?
Banking & PSU Funds invest at least 80% in debt of banks, public sector undertakings and public financial institutions.
Important. NAVs are from AMFI and mfapi.in; benchmark closes from Yahoo Finance; expense ratio, fund size and managers from published scheme data (Kuvera). Figures may be delayed; confirm with the fund house before transacting. Ranks and quartiles are positions by past return and are not a rating or recommendation. Mutual fund investments are subject to market risks; read all scheme-related documents carefully before investing. Plenitude Connect Private Limited is an AMFI-registered Mutual Fund Distributor (ARN-130934) and earns commission from fund houses on Regular plans (see Disclosures).
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