UTI Banking & PSU Fund

Q: What are the returns of this mutual fund scheme?

The UTI Banking & PSU Fund is a 12 yrs old fund and has delivered average annual returns of 7.04% since inception. UTI Banking & PSU Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 7.21% 7.2% 7.12% 6.66% 7.04%

Q: How much does this mutual fund charge as expense ratio?

The UTI Banking & PSU Fund has an expense ratio of 0.46% , representing the annual cost of managing and operating the fund. This fee is deducted from the fund's AUM while declaring the daily NAV, reducing investor returns.

NAV as of Feb 02, 2026	Returns since inception	ET Money Rank	AUM (Fund size)
₹22.6458+0.04% 1 day change	7.04% p.a.	App exclusive #NA View Ranked Funds	₹1,015 Cr

Historical NAV & returns

NAV: ₹22.6458 as on Feb 02, 2026

This fund Category average

UTI Banking & PSU Fund overview

AUM (Fund size)	₹1,015 Cr
Exit load	0%
Lock-in Period	Nil
Age	12 yrs since Jan 27, 2014
Benchmark	Nifty Banking & PSU Debt Index A-II
Min. investment	SIP: ₹500 & Lumpsum: ₹1000
Expense ratio	0.46% as on Feb 02, 2026
Plan type	Regular
Risk	Low to Moderate
Tax on your gains	Profits are added to your income and taxed as per your slab rate

UTI Banking & PSU 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 Feb 03, 2026

Period	This fund	Category average
1 Month	0.14%	0.0%
3 Months	0.87%	0.53%
6 Months	2.21%	1.68%
1 Year	7.21%	6.56%
2 Years	7.36%	7.17%
3 Years	7.2%	7.14%
4 Years	8.12%	6.33%
5 Years	7.12%	5.84%
7 Years	6.37%	6.83%
10 Years	6.66%	6.98%

Asset allocationas on Dec 31, 2025

Large Cap 0%

Mid Cap 0%

Small Cap 0%

Other Cap 0%

Top holdings

Bifurcation by Holding is not available for this fund

Top sectors

Bifurcation by Sector is not available for this fund

AAA 72.24932181%

A1+ 12.52942242%

SOV 11.19506345%

Cash & Call Money 3.75868188%

Top Debt Holdings

GOI 9.19%

Kotak Mahindra Bank Ltd. 6.95%

Axis Bank Ltd. 5.46%

Small Industries Devp. Bank of India Ltd. 4.99%

Allocation by Instruments

Debenture 32.356919129999994%

Non Convertible Debenture 24.472686969999998%

GOI Securities 9.19039173%

Certificate of Deposit 7.8762709200000005%

Other Holdings

Others 3.75%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
UTI Banking & PSU Fund	0.14%	2.21%	7.21%	7.2%	7.12%	6.66%
ICICI Prudential Banking & PSU Debt Fund	-0.02%	2.01%	6.86%	7.41%	6.27%	7.39%
ITI Banking & PSU Debt Fund	0.14%	1.8%	6.24%	6.75%	5.88%	2.95%
Axis Banking & PSU Debt Fund	-0.03%	1.74%	6.66%	6.96%	5.8%	7.11%
Bandhan Banking and PSU Fund	0.06%	1.71%	6.37%	6.94%	5.8%	7.05%
Sundaram Banking & PSU Fund	-0.05%	1.73%	6.68%	7.22%	5.6%	6.52%

Fund name	Std. deviation	Beta	Sharpe	Sortino
UTI Banking & PSU Fund	1.05	1.23	0.84	1.55
ICICI Prudential Banking & PSU Debt Fund	0.93	1.08	1.17	1.58
ITI Banking & PSU Debt Fund	0.87	0.96	0.5	0.86
Axis Banking & PSU Debt Fund	1.08	1.31	0.62	0.93
Bandhan Banking and PSU Fund	1.0	1.23	0.62	0.99
Sundaram Banking & PSU Fund	1.17	1.43	0.78	1.29

Fund name	ETM Rank	AUM	Fund age	Expense ratio
UTI Banking & PSU Fund	N.A.	1,015 Cr	12 yrs	0.46%
ICICI Prudential Banking & PSU Debt Fund	N.A.	9,728 Cr	16 yrs 1 m	0.73%
ITI Banking & PSU Debt Fund	N.A.	37 Cr	5 yrs 3 m	0.7%
Axis Banking & PSU Debt Fund	N.A.	13,574 Cr	13 yrs 8 m	0.62%
Bandhan Banking and PSU Fund	N.A.	12,651 Cr	12 yrs 11 m	0.66%
Sundaram Banking & PSU Fund	N.A.	377 Cr	21 yrs 1 m	0.44%

View all Banking And Psu funds

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

Alpha	3.18 vs. 3.19 Underperformed at beating benchmark
Sharpe	0.84 vs. 3.7 Poor risk-adjusted returns
Beta	1.23 vs. 1.12 More sensitive to market's ups & downs
Standard deviation	1.05 vs. 1.13 More stable returns

Compare UTI Banking & PSU Fund in detail with

About this fund

About UTI Banking & PSU Fund

UTI Banking & PSU Fund is a Banking and PSU mutual fund scheme from Uti Mutual Fund. This fund has been in existence for 12 yrs, having been launched on 27/01/2014. UTI Banking & PSU Fund has ₹1,015 Crores worth of assets under management (AUM) as on 31/12/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of UTI Banking & PSU Fund as of 02/02/2026 is ₹22.65. The fund has an expense ratio of 0.46%, which is higher than what most other Banking And Psu funds charge.

UTI Banking & PSU Fund returns of last 1-year are 7.29%. Since launch, it has delivered 7.05% average annual returns. The fund has doubled the money invested in it every 11 yrs.
UTI Banking & PSU Fund 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 above average.
The fund's credit profile is very high indicating it has lent to borrowers whose quality is excellent. Most funds in this category lend to better borrowers and hence the risk of default in this fund is higher than the category.
The fund's top holdings are in GOI, Kotak Mahindra Bank Ltd., Axis Bank Ltd., Small Industries Devp. Bank of India Ltd., Bajaj Finance Ltd..

...

Fund AUM	1,015 Cr as on Dec 31, 2025
Scheme document	View Scheme Document

Fund managers

Anurag Mittal

Mr. Mittal is B.Com. (Hons), CA and M.Sc. in Accounting and Finance (specialization in Finance) from London School of Economics & Political Science. Prior to joining UTI Mutual Fund, he worked with IDFC AMC, HDFC AMC ( Sept. 2012 - Oct. 2015), Axis AMC (July 2009 - Sept. 2012), ICICI Prudential Life Insurance Company Ltd. as Credit Research Analyst (2008-2009) and with Bank of America in Corporate Banking (2006-2008).

Investment objective

The scheme seeks to generate steady and reasonable income, with low risk and high level of liquidity from a portfolio of predominantly debt & money market securities by Banks and Public Sector Undertakings (PSUs).

UTI Mutual Fund details

No. of schemes	63 view all schemes
Total AUM	3,95,059 Cr as on Dec 31, 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	3Y
UTI CRISIL SDL Maturity April 2033 Index Fund	N.A.	321 Cr	5.12%	7.58%
UTI Nifty SDL Plus AAA PSU Bond Apr 2028 75:25 Index Fund	N.A.	34 Cr	7.36%	N.A.
UTI Money Market Fund	N.A.	19,301 Cr	7.17%	7.46%
UTI CRISIL SDL Maturity June 2027 Index Fund	N.A.	72 Cr	7.28%	7.45%
UTI Low Duration Fund	N.A.	2,667 Cr	7.14%	7.33%
UTI Corporate Bond Fund	N.A.	5,421 Cr	6.83%	7.28%

See all Debt funds from this AMC

Frequently asked questions

What is the current NAV of UTI Banking & PSU Fund?

The current Net Asset Value (NAV) of the UTI Banking & PSU Fund plan is approximately ₹22.6458 as of Feb 02, 2026.

What are the returns of this mutual fund scheme?

The UTI Banking & PSU Fund is a 12 yrs old fund and has delivered average annual returns of 7.04% since inception.

UTI Banking & PSU Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
7.21%	7.2%	7.12%	6.66%	7.04%

How much does this mutual fund charge as expense ratio?

The UTI Banking & PSU Fund has an expense ratio of 0.46%, representing the annual cost of managing and operating the fund. This fee is deducted from the fund's AUM while declaring the daily NAV, reducing investor returns.

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

The UTI Banking & PSU Fund currently has assets under management (AUM) or fund size valued at approximately 1,015 Cr as on Dec 31, 2025.

To whom does UTI Banking & PSU Fund lend to?

The top 3 debt holdings of UTI Banking & PSU Fund are as follows

Holding Name	Percentage of Portfolio
GOI	9.19%
Kotak Mahindra Bank Ltd.	6.95%
Axis Bank Ltd.	5.46%

What is the quality of borrowers this mutual fund scheme lends to?

The credit rating of the instruments in which the fund invests represents the quality of the borrower.

The UTI Banking & PSU Fund allocation by credit quality is given below

Credit Quality	Percentage of Portfolio
AAA	72.24932181%
A1+	12.52942242%
SOV	11.19506345%

What is risk level of UTI Banking & PSU Fund?

This is a Banking And Psu fund comes with Low to Moderate risk.

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

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

How can I redeem my investments in UTI Banking & PSU Fund?

Redeeming your investments in the UTI Banking & PSU Fund is simple. If you have invested via ET Money, just log in to the app, go to the holdings section, and submit the redemption request.

If you have invested from anywhere else, you can go to the fund house website and put a request through it.

ET Money rank

App exclusive

in Banking and PSU

#NA

Return Outperformance: This fund has generated highest return amongst Banking and PSU funds in the last 5 Years.
Exit Load: This fund has no exit load.
Volatility Protection: This fund ranks lower in terms of protecting against volatility within its category.
Return/Risk: The fund is performing poorly than its category.