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UTI Banking and Financial Services Fund
| NAV as of Feb 02, 2026 | Returns since inception | ET Money Rank | AUM (Fund size) |
|---|---|---|---|
| ₹195.9223-1.93% 1 day change | 13.19% | App exclusive   | ₹1,382 Cr |
Historical NAV & returns
NAV: ₹195.9223 as on Feb 02, 2026
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UTI Banking and Financial Services Fund overview
| AUM (Fund size) | ₹1,382 Cr |
| Exit load | 1.0% Exit load of 1%, if redeemed within 30 days.! |
| Lock-in Period | Nil |
| Age | 20 yrs 6 m since Aug 01, 2005 |
| Benchmark | NIFTY Financial Services TRI |
| Min. investment | SIP: ₹500 & Lumpsum: ₹1000 |
| Expense ratio | 2.15% as on Feb 02, 2026 |
| Plan type | Regular |
| Risk | Very High |
| Short term capital gains (STCG) | Returns taxed at 20% if you redeem before 1 year |
| Long term capital gains (LTCG) | After 1 year, returns above ₹1.25 lakh in a financial year are taxed at 12.5% |
UTI Banking and Financial Services Fund Returns calculator
Investment type
- Total investment ₹ 12 lakh
- Profit ₹12 lakhs
- Total corpus ₹1 lakh
- Absolute return 52.69%
Trailing returns as on Feb 03, 2026
| Period | This fund | Category average |
|---|---|---|
| 1 Month | -2.39% | -3.77% |
| 3 Months | -0.28% | -1.08% |
| 6 Months | 4.87% | 3.99% |
| 1 Year | 19.4% | 17.03% |
| 2 Years | 12.25% | 11.12% |
| 3 Years | 16.59% | 15.51% |
| 4 Years | 13.06% | 12.27% |
| 5 Years | 12.9% | 12.15% |
| 7 Years | 11.66% | 12.34% |
| 10 Years | 13.71% | 14.03% |
Asset allocationas on Dec 31, 2025
Large Cap 74.39%
Mid Cap 12.51%
Small Cap 11.33%
Other Cap 0%
Top holdings
Top sectors
Financial 89.92999999999999%
Insurance 5.04%
Services 3.0%
Credit quality
Bifurcation by Credit Quality is not available for this fund
Top Debt Holdings
Others 0.01%
Allocation by Instruments
Net Current Assets 1.76380111%
CBLO 0.00578862%
Other Holdings
Others 1.76%
Peer comparison
Key risk & return ratios Compared to other funds in the category
About this fund
More funds from UTI Mutual Fund
Frequently asked questions
ET Money rank
App exclusive
#NA
- Return Outperformance: This fund has generated highest return amongst Sectoral-Banking funds in the last 5 Years.
- Return Consistency: This fund ranks lower in terms of generating consistent return in it's category.
- Volatility Protection: This fund ranks lower in terms of protecting against volatility within its category.
- Chance: This fund has generated only 9.41% annual return in 70% of times for investors holding for at least 5 years.
- Return/Risk: The fund is performing poorly than its category.
- Exit Load: Exit load of 1%, if redeemed within 30 days.