UTI Banking and Financial Services Fund Regular Plan-Growth

Q: What are the returns of UTI Banking and Financial Services Fund?

The UTI Banking and Financial Services Fund is a 20 yrs 1 m old fund and has delivered average annual returns of 13.11% since inception. UTI Banking and Financial Services Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 5.69% 14.63% 20.12% 11.87% 13.11%

NAV as of Sep 03, 2025	Returns since inception	ET Money Rank	AUM (Fund size)
₹183.4507+0.44% 1 day change	13.11% p.a.	App exclusive #NA View Ranked Funds	₹1,295 Cr

Historical NAV & returns

NAV: ₹183.4507 as on Sep 03, 2025

This fund Category average

UTI Banking and Financial Services Fund overview

Expense ratio	2.16% as on Aug 31, 2025
Plan type	Regular
Exit load	1.0% Exit load of 1%, if redeemed within 30 days.!
AUM (Fund size)	₹1,295 Cr
Lock-in Period	Nil
Age	20 yrs 1 m since Aug 01, 2005
Benchmark	NIFTY Financial Services TRI
Min. investment	SIP: ₹500 & Lumpsum: ₹5000
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

Monthly investment

₹ 10,000

Investment period

Lumpsum investment

₹1 lakh

Investment period

Disclaimer: Products compared like fixed deposits may provide fixed guaranteed returns. Mutual Funds investments are subject to market risk, read all scheme related documents carefully. Past performance is not an indicator of future returns.

Total investment ₹ 12 lakh
Profit ₹12 lakhs
Total corpus ₹1 lakh
Absolute return 52.69%

Trailing returns as on Sep 04, 2025

Period	This fund	Category average
1 Month	-1.81%	-1.66%
3 Months	-1.5%	-0.99%
6 Months	13.39%	14.61%
1 Year	5.69%	4.79%
2 Years	15.34%	16.07%
3 Years	14.63%	15.94%
4 Years	11.71%	12.49%
5 Years	20.12%	20.97%
7 Years	8.95%	12.0%
10 Years	11.87%	14.52%

Asset allocationas on May 31, 2025

Large Cap 70.17%

Mid Cap 9.22%

Small Cap 18.56%

Other Cap 0%

Top holdings

ICICI Bank Ltd.21.03%

HDFC Bank Ltd.15.56%

Kotak Mahindra Bank Ltd.7.58%

Axis Bank Ltd.7.37%

Top sectors

Financial 92.37%

Insurance 4.02%

Services 2.7%

Credit quality

Bifurcation by Credit Quality is not available for this fund

Top Debt Holdings

Others 0.01%

Allocation by Instruments

Bifurcation by Instrument is not available for this fund

Other Holdings

Others 0.87%

Detailed portfolio analysis

Peer comparison

Fund name	ETM Rank	AUM	Fund age	Expense ratio
UTI Banking and Financial Services Fund	N.A.	1,295 Cr	20 yrs 1 m	2.16%
Sundaram Financial Services Opportunities Fund	N.A.	1,548 Cr	17 yrs 4 m	2.11%
Invesco India Financial Services Fund	N.A.	1,392 Cr	17 yrs 3 m	2.13%
Nippon India Banking & Financial Services Fund	N.A.	7,160 Cr	22 yrs 4 m	1.85%
SBI Banking & Financial Services Fund	N.A.	7,650 Cr	10 yrs 6 m	1.79%
Tata Banking and Financial Services Fund	N.A.	2,797 Cr	9 yrs 9 m	1.91%

Fund name	1M	6M	1Y	3Y	5Y	10Y
UTI Banking and Financial Services Fund	-1.81%	13.39%	5.69%	14.63%	20.12%	11.87%
Sundaram Financial Services Opportunities Fund	-3.23%	9.53%	-2.1%	16.24%	21.17%	14.27%
Invesco India Financial Services Fund	-2.39%	16.94%	4.55%	19.15%	21.32%	15.7%
Nippon India Banking & Financial Services Fund	-1.73%	12.96%	4.05%	16.48%	24.29%	14.23%
SBI Banking & Financial Services Fund	-0.89%	16.52%	9.84%	17.43%	20.89%	17.04%
Tata Banking and Financial Services Fund	-1.32%	14.27%	5.78%	16.37%	19.6%	15.29%

Fund name	Std. deviation	Beta	Sharpe	Sortino
UTI Banking and Financial Services Fund	12.73	0.87	0.64	1.56
Sundaram Financial Services Opportunities Fund	13.28	0.91	0.71	1.46
Invesco India Financial Services Fund	12.9	0.83	0.91	1.55
Nippon India Banking & Financial Services Fund	12.1	0.84	0.8	1.66
SBI Banking & Financial Services Fund	11.89	0.81	0.87	1.84
Tata Banking and Financial Services Fund	13.16	0.91	0.73	2.02

View all Sectoral-banking funds

Key risk & return ratios Compared to other funds in the category

Alpha	3.94 vs. 4.6 Underperformed at beating benchmark
Sharpe	0.64 vs. 3.54 Poor risk-adjusted returns
Beta	0.87 vs. 0.69 More sensitive to market's ups & downs
Standard deviation	12.73 vs. 7.75 More volatile performance

Compare UTI Banking and Financial Services Fund in detail with

About this fund

About UTI Banking and Financial Services Fund

UTI Banking and Financial Services Fund Regular Plan-Growth is a Sectoral-Banking mutual fund scheme from Uti Mutual Fund. This fund has been in existence for 20 yrs 1 m, having been launched on 01/08/2005. UTI Banking and Financial Services Fund Regular Plan-Growth has ₹1,295 Crores worth of assets under management (AUM) as on 31/05/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of UTI Banking and Financial Services Fund Regular Plan-Growth as of 03/09/2025 is ₹183.45. The fund has an expense ratio of 2.16%, which is higher than what most other Sectoral-banking funds charge.

UTI Banking and Financial Services Fund Regular Plan-Growth returns of last 1-year are 5.20%. Since launch, it has delivered 14.56% average annual returns. The fund has doubled the money invested in it every 5 yrs.
UTI Banking and Financial Services Fund Regular Plan-Growth scheme's ability to deliver returns consistently is in-line with most funds of its category. Its ability to control losses in a falling market is average.
The fund has the majority of its money invested in Financial, Insurance, Services sectors. It has taken less exposure in Financial, Insurance sectors compared to other funds in the category.
The fund's top 5 holdings are in ICICI Bank Ltd., HDFC Bank Ltd., Kotak Mahindra Bank Ltd., Axis Bank Ltd., Bajaj Finance Ltd..

...

Fund AUM	1,295 Cr as on May 31, 2025
Scheme document	View Scheme Document

Fund managers

Preethi R S

Ms. R S is B.E and MBA (Finance). Prior to joining UTI Mutual Fund, she has worked with PwC India.

Amit Kumar Premchandani

Mr. Premchandani is a Chartered Accountant, MBA and CFA degree holder. Prior to joining UTI Mutual Fund, he has worked in Deutsche Equities India, JP Morgan and Peerless General Finance and Investment. In UTI he has been associated with Dept. of Securities Research and Dept. of Fund Management for more than 11 years.

Investment objective

The scheme seeks to generate long term capital appreciation by investing predominantly in equity and equity related securities of companies/institutions engaged in the banking and financial services activities.

UTI Mutual Fund details

No. of schemes	63 view all schemes
Total AUM	3,61,295 Cr as on Jun 30, 2025
Address	UTI Tower, Plot C-1, GN Block, Banrda Kurla Complex, Bandra (East) Mumbai, 400051
Phone	0263 2296993

More funds from UTI Mutual Fund

Fund name	ETM Rank	AUM	1Y	5Y
UTI Transportation and Logistics Fund	N.A.	3,447 Cr	1.73%	25.93%
UTI Infrastructure Fund	N.A.	2,200 Cr	-7.35%	24.99%
UTI Large & Mid Cap Fund	N.A.	4,544 Cr	-3.41%	24.89%
UTI Mid Cap Fund	N.A.	11,643 Cr	-6.07%	22.94%
UTI Value Fund	N.A.	9,752 Cr	-2.4%	21.8%

See all Equity funds from this AMC

Frequently asked questions

What is the current NAV of UTI Banking and Financial Services Fund?

The current Net Asset Value (NAV) of the UTI Banking and Financial Services Fund - Direct Growth plan is approximately ₹183.4507 as of Sep 03, 2025.

What are the returns of this mutual fund scheme?

The UTI Banking and Financial Services Fund is a 20 yrs 1 m old fund and has delivered average annual returns of 13.11% since inception.

UTI Banking and Financial Services Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
5.69%	14.63%	20.12%	11.87%	13.11%

How much does this mutual fund charge as expense ratio?

The UTI Banking and Financial Services Fund - Direct Growth has an expense ratio of 2.16%, which reflects the fund's management and operating costs. This percentage is subtracted from the fund's annual returns, impacting net returns for investors.

What is the AUM or fund size of this mutual fund?

The UTI Banking and Financial Services Fund currently has assets under management (AUM) or fund size valued at approximately 1,295 Cr as on May 31, 2025.

What are the top stock holdings of UTI Banking and Financial Services Fund?

The UTI Banking and Financial Services Fund has invested the majority of its money in the stocks of the following companies -

Company	Percentage of Portfolio
ICICI Bank Ltd.	21.03%
HDFC Bank Ltd.	15.56%
Kotak Mahindra Bank Ltd.	7.58%
Axis Bank Ltd.	7.37%
Bajaj Finance Ltd.	5.69%
State Bank of India	5.19%
Karur Vysya Bank Ltd.	4.18%
Shriram Finance Ltd	3.38%
India Shelter Finance Corporation Ltd.	3.3%
Max Financial Services Ltd.	3.16%

What are the top sectors UTI Banking and Financial Services Fund has invested in?

The UTI Banking and Financial Services Fund has primarily invested in the following sectors

Sector	Percentage of Portfolio
Financial	92.37%
Insurance	4.02%
Services	2.7%

What is risk level of UTI Banking and Financial Services Fund?

This is a Sectoral-banking fund comes with Very High risk.

Is there any lock-in period in this mutual fund?

No, this fund does not have any lock-in period.

How do I invest in UTI Banking and Financial Services Fund?

UTI Banking and Financial Services Fund Regular Plan-Growth is the regular plan of the fund. For this plan of you pay 2.16% as annual charges. On the other hand if you go for the direct plan available on ET Money, you pay 1.14%. That's 1.0200000000000002% less.

Regular plans charge more because when you buy them, the fund pays commission to the agent. This is an additional expense for the fund and to cover this expense, the fund takes a bigger share from the returns generated by your investments.

So, the lower annual cost of the direct plan means you will earn 1.0200000000000002% if you opt for direct plan of UTI Banking and Financial Services Fund

How can I redeem my investments in UTI Banking and Financial Services Fund?

Redeeming your investments in UTI Banking and Financial Services Fund is super easy. If you have invested in this fund via ET Money, just login into the app, go to the investment section and put the redemption request.

If you have invested in UTI Banking and Financial Services Fund from anywhere else, you can go to the fund house website and put a request through it.

ET Money rank

App exclusive

in Sectoral-Banking

#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 9.32% 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.