Aditya Birla Sun Life Crisil-IBX Financial Services 3 to 6 months Debt Index Fund vs UTI Banking & PSU Debt Fund
Direct Plan, Growth option · Data as on 30-10-2026
Aditya Birla Sun Life Crisil-IBX Financial Services 3 to 6 months Debt Index Fund is an Index fund and UTI Banking & PSU Debt Fund is a Banking & PSU fund. In the year to 30-10-2026, Aditya Birla Sun Life Crisil-IBX Financial Services 3 to 6 months Debt Index Fund (Direct) returned 6.7% and UTI Banking & PSU Debt Fund (Direct) returned 5.7%. Aditya Birla Sun Life Crisil-IBX Financial Services 3 to 6 months Debt Index Fund charges 0.15% a year and UTI Banking & PSU Debt Fund 0.24% (Direct plans). Their portfolios overlap 16.4%: they hold 8 of the same securities.
Aditya Birla Sun Life Crisil-IBX Financial Services 3 to 6 months Debt Index Fund
Index
- 1 year return
- 6.7%
- Expense ratio
- 0.15%
- NAV
- ₹11.37
UTI Banking & PSU Debt Fund
Banking & PSU
- 1 year return
- 5.7%
- Expense ratio
- 0.24%
- NAV
- ₹24.15
Which is better, Aditya Birla Sun Life Crisil-IBX Financial Services 3 to 6 months Debt Index or UTI Banking & PSU Debt? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- Aditya Birla Sun Life Crisil-IBX Financial Services 3 to 6 months Debt Index returned more over 1 year: 6.7% against 5.7%.
- Aditya Birla Sun Life Crisil-IBX Financial Services 3 to 6 months Debt Index costs less: 0.15% a year against 0.24% (Direct plans).
- Aditya Birla Sun Life Crisil-IBX Financial Services 3 to 6 months Debt Index fell less in its worst fall since 18-12-2024: −0.1% against −0.4%.
- Aditya Birla Sun Life Crisil-IBX Financial Services 3 to 6 months Debt Index is the larger fund: ₹2,220 Cr against ₹1,448 Cr.
- Their portfolios overlap 16.4%: 8 of the same holdings.
Past returns do not promise future returns. This page is information, not investment advice.
Key facts
From each fund's scheme summary document and AMFI
| Fact | Aditya Birla Sun Life Crisil-IBX Financial Services 3 to 6 months Debt Index Fund | UTI Banking & PSU Debt Fund |
|---|---|---|
| Fund house | Aditya Birla Sun Life Mutual Fund | UTI Mutual Fund |
| Category | Index | Banking & PSU |
| AUM | ₹2,220 Cr (30-09-2026) | ₹1,448 Cr (30-09-2026) |
| NAV | ₹11.37 (Direct) | ₹24.15 (Direct) |
| Expense ratio (Direct) | 0.15% | 0.24% |
| Expense ratio (Regular) | 0.38% | 0.47% |
| Riskometer | Low to Moderate | Low to Moderate |
| Benchmark | CRISIL-IBX Financial Services 3-6 Months Debt Index | NIFTY Banking & PSU Debt Index A-II |
| Launch date | 17-12-2024 | 03-02-2014 |
| Minimum investment | ₹1,000 | Regular Plan-Monthly Reinvestment of IDCW- Rs.20000, Regular Plan-Monthly Payout of IDCW- Rs.20000, Regular Plan-Half-yearly Reinvestment of IDCW- Rs.20000, Regular Plan-Half-yearly Payout of IDCW- Rs.20000, Regular Plan-Growth- Rs.500, Direct Plan-Growth |
| Lock in | None | None |
| Fund managers | Harshil Survankar, Sanjay Pawar | Anurag Mittal FM 1, Not Applicable FM 2, Not Applicable FM 3, Not Applicable FM 4 |
| Exit load | NIL | Nil |
Aditya Birla Sun Life Crisil-IBX Financial Services 3 to 6 months Debt Index vs UTI Banking & PSU Debt: Returns Comparison
Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.
| Fund | 1M | 3M | 6M | 1Y | 3Y | 5Y | 10Y |
|---|---|---|---|---|---|---|---|
| Aditya Birla Sun Life Crisil-IBX Financial Services 3 to 6 months Debt Index Fund (Direct) | +0.33% | +1.50% | +3.39% | +6.73% | -- | -- | -- |
| UTI Banking & PSU Debt Fund (Direct) | +0.29% | +1.41% | +3.21% | +5.74% | +7.47% | +7.79% | +6.46% |
| Banking & PSU average | −0.21% | +0.14% | +2.36% | +4.04% | +6.88% | +6.22% | +6.95% |
Category average: the average of the 19 Banking & PSU funds, same plan type.
Aditya Birla Sun Life Crisil-IBX Financial Services 3 to 6 months Debt Index vs UTI Banking & PSU Debt: Year-wise Returns
| Year | Aditya Birla Sun Life Crisil-IBX Financial Services 3 to 6 months Debt IndexAditya Birla Sun Life Crisil-IBX Financial Services 3 to 6 months Debt Index | UTI Banking & PSU DebtUTI Banking & PSU Debt |
|---|---|---|
| 2026to date | +5.61% | +4.86% |
| 2025 | +7.35% | +8.04% |
| 2024 | -- | +7.92% |
| 2023 | -- | +7.01% |
| 2022 | -- | +10.57% |
| 2021 | -- | +2.95% |
Aditya Birla Sun Life Crisil-IBX Financial Services 3 to 6 months Debt Index vs UTI Banking & PSU Debt: Rolling Returns
Every holding period of both funds
Rolling returns
Every 1-year holding period, 209 of them, one for each trading day from 18-12-2025 to 30-10-2026: the yearly return (CAGR) of each, plotted on the day it ended. One lucky or unlucky start day cannot flatter or hide a fund.
Aditya Birla Sun Life Crisil-IBX Financial Services 3 to 6 months Debt Index Fund (Direct)
UTI Banking & PSU Debt Fund (Direct)
to
Jan 2026Mar 2025
to
Mar 2026Apr 2025
to
Apr 2026Jun 2025
to
Jun 2026Aug 2025
to
Aug 2026Oct 2025
to
Oct 2026
How the periods spread
| Fund | Below 0% | 0-5% | 5-10% | 10-15% | 15-20% | 20-25% | Above 25% | Mean | Median | Lowest | Highest |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Aditya Birla Sun Life Crisil-IBX Financial Services 3 to 6 months Debt Index | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 6.9% | 6.9% | 6.5% | 7.4% |
| UTI Banking & PSU Debt | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 6.5% | 6.2% | 5.0% | 8.1% |
The table shows the % of periods in each return band; a darker cell holds more of them. Lumpsum: the yearly rate (CAGR) from a period's first NAV to its last. SIP: the XIRR of the monthly instalments. Every fund is measured over the days all of them have, from 18-12-2024. Past returns do not promise future returns.
Aditya Birla Sun Life Crisil-IBX Financial Services 3 to 6 months Debt Index vs UTI Banking & PSU Debt: SIP and Lumpsum Returns
What the same monthly or one-time investment would be worth in each fund today, from their own NAV history
Growth of an investment
₹10,000 on the first trading day of every month, from 18-12-2024 to 30-10-2026: 23 instalments, ₹2,30,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| Aditya Birla Sun Life Crisil-IBX Financial Services 3 to 6 months Debt IndexAditya Birla Sun Life Crisil-IBX Financial Services 3 to 6 months Debt Index Fund (Direct) | ₹2,30,000 | ₹2,45,789 | ₹15,789 | 6.9% |
| UTI Banking & PSU DebtUTI Banking & PSU Debt Fund (Direct) | ₹2,30,000 | ₹2,44,651 | ₹14,651 | 6.4% |
Aditya Birla Sun Life Crisil-IBX Financial Services 3 to 6 months Debt IndexAditya Birla Sun Life Crisil-IBX Financial Services 3 to 6 months Debt Index Fund (Direct)
UTI Banking & PSU DebtUTI Banking & PSU Debt Fund (Direct)
Amount invested
From each plan's published NAV (Growth option), over the same days. Return a year: XIRR for a SIP, CAGR for a lumpsum, shown for a year or more. It does not include exit load, stamp duty or tax. Past returns do not promise future returns.
Aditya Birla Sun Life Crisil-IBX Financial Services 3 to 6 months Debt Index vs UTI Banking & PSU Debt: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | Aditya Birla Sun Life Crisil-IBX Financial Services 3 to 6 months Debt Index Fund (Direct) | UTI Banking & PSU Debt Fund (Direct) |
|---|---|---|
| Return (CAGR) | +6.73% | +5.74% |
| Standard deviation | 0.43% | 0.65% |
| Sharpe ratio | 3.46 | 0.76 |
| Sortino ratio | 5.91 | 1.14 |
| Maximum drawdown | −0.1% (22-10-2026) | −0.3% (21-05-2026) |
| Beta | -- | -- |
| Alpha | -- | -- |
From daily NAVs, 30-10-2025 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
| Measure | Aditya Birla Sun Life Crisil-IBX Financial Services 3 to 6 months Debt Index Fund (Direct) | UTI Banking & PSU Debt Fund (Direct) |
|---|---|---|
| Return (CAGR) | +7.12% | +7.16% |
| Standard deviation | 0.39% | 2.96% |
| Sharpe ratio | 3.99 | 0.44 |
| Sortino ratio | 7.59 | 0.60 |
| Maximum drawdown | −0.1% (22-10-2026) | −6.7% (30-04-2019) |
| Beta | -- | -- |
| Alpha | -- | -- |
From daily NAVs, 18-12-2024 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
Drawdowns
How far below its previous high each one was on every day: the falls an investor had to sit through. 0% means it was at a new high.
Aditya Birla Sun Life Crisil-IBX Financial Services 3 to 6 months Debt Index Fund (Direct)
UTI Banking & PSU Debt Fund (Direct)
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| Aditya Birla Sun Life Crisil-IBX Financial Services 3 to 6 months Debt Index Fund (Direct) | −0.1% | 19-10-2026 | 22-10-2026 | 27-10-2026 | 5 days | 0.0% |
| UTI Banking & PSU Debt Fund (Direct) | −0.4% | 06-06-2025 | 13-06-2025 | 02-07-2025 | 19 days | 0.0% |
From daily values since 18-12-2024, the first day every fund has.
Rolling standard deviation
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 1-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
Aditya Birla Sun Life Crisil-IBX Financial Services 3 to 6 months Debt Index Fund (Direct)
UTI Banking & PSU Debt Fund (Direct)
Aditya Birla Sun Life Crisil-IBX Financial Services 3 to 6 months Debt Index vs UTI Banking & PSU Debt: Portfolio Overlap
From each fund's latest monthly portfolio: Aditya Birla Sun Life Crisil-IBX Financial Services 3 to 6 months Debt Index Fund, September 2026; UTI Banking & PSU Debt Fund, September 2026
Holdings in common
- Overlap
- 16.4%
- Held by both
- 8
- Only in Aditya Birla Sun Life Crisil-IBX Financial Services 3 to 6 months Debt Index
- 32
- Only in UTI Banking & PSU Debt
- 34
| Security | % of Aditya Birla Sun Life Crisil-IBX Financial Services 3 to 6 months Debt Index | % of UTI Banking & PSU Debt |
|---|---|---|
| 7.80% National Bank for Agriculture and Rural Development (15/03/2027) | 4.51% | 3.80% |
| Small Industries Development Bank of India (29/01/2027) | 3.30% | 3.38% |
| Small Industries Development Bank of India (26/02/2027) | 3.29% | 3.36% |
| 7.14% Bajaj Housing Finance Ltd. (26/02/2027) | 2.25% | 1.38% |
| 8.36% Toyota Financial Services India Ltd. (19/03/2027) | 1.35% | 1.38% |
| 7.60% Power Finance Corporation Ltd. (20/02/2027) | 1.13% | 1.73% |
| Canara Bank (28/01/2027) | 1.10% | 7.77% |
| National Bank for Agriculture and Rural Development (18/03/2027) | 2.18% | 1.00% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 16.4% means 16.4% of each fund's money sits in positions the other also holds. Matched by ISIN. Cash and hedged positions are left out.
Largest holdings only in Aditya Birla Sun Life Crisil-IBX Financial Services 3 to 6 months Debt Index Fund
| Security | % of fund |
|---|---|
| Sundaram Finance Ltd. (12/02/2027) | 8.78% |
| 6.65% LIC Housing Finance Ltd. (15/02/2027) | 6.74% |
| Aditya Birla Capital Ltd. (09/02/2027) | 5.49% |
| 7.71% REC Ltd. (26/02/2027) | 4.51% |
| National Bank for Agriculture and Rural Development (28/01/2027) | 4.41% |
Largest holdings only in UTI Banking & PSU Debt Fund
| Security | % of fund |
|---|---|
| CD - UNION BANK OF INDIA - 19/01/2027 | 6.77% |
| CD - ICICI BANK LTD - 25/03/2027 | 5.02% |
| NCD AXIS BANK LTD. | 3.80% |
| 7.38% GSEC 20/06/2027 | 3.48% |
| 7.61% TN SDL MAT 15/02/27. | 3.47% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | Aditya Birla Sun Life Crisil-IBX Financial Services 3 to 6 months Debt Index | UTI Banking & PSU Debt |
|---|---|---|
| Equity | 0.0% | 0.0% |
| Debt | 98.6% | 97.2% |
| Cash and others | 1.4% | 2.8% |
Aditya Birla Sun Life Crisil-IBX Financial Services 3 to 6 months Debt Index vs UTI Banking & PSU Debt: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | Aditya Birla Sun Life Crisil-IBX Financial Services 3 to 6 months Debt Index Fund | UTI Banking & PSU Debt Fund |
|---|---|---|
| Total expense ratio (Direct) | 0.15% | 0.24% |
| Base expense ratio (Direct) | 0.11% | 0.20% |
| Total expense ratio (Regular) | 0.38% | 0.47% |
| Base expense ratio (Regular) | 0.31% | 0.40% |
The expense ratio comes out of the fund's assets every day, so every return on this page is already after it. Base expense ratio: the fund house's own fee. The total adds brokerage, transaction costs, and levies with GST.
More comparisons
Each fund against the others of its category
Aditya Birla Sun Life Crisil-IBX Financial Services 3 to 6 months Debt Index Fund vs UTI Banking & PSU Debt Fund: Frequently Asked Questions
What is the difference between Aditya Birla Sun Life Crisil-IBX Financial Services 3 to 6 months Debt Index Fund and UTI Banking & PSU Debt Fund?
Aditya Birla Sun Life Crisil-IBX Financial Services 3 to 6 months Debt Index Fund is an Index fund, UTI Banking & PSU Debt Fund is a Banking & PSU fund, run by Aditya Birla Sun Life Mutual Fund and UTI Mutual Fund. Their portfolios overlap 16.4%. Aditya Birla Sun Life Crisil-IBX Financial Services 3 to 6 months Debt Index Fund charges 0.15% a year and UTI Banking & PSU Debt Fund 0.24%.
Which has given higher returns, Aditya Birla Sun Life Crisil-IBX Financial Services 3 to 6 months Debt Index Fund or UTI Banking & PSU Debt Fund?
Over 1 year: Aditya Birla Sun Life Crisil-IBX Financial Services 3 to 6 months Debt Index Fund +6.73%, UTI Banking & PSU Debt Fund +5.74%. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, Aditya Birla Sun Life Crisil-IBX Financial Services 3 to 6 months Debt Index Fund or UTI Banking & PSU Debt Fund?
Aditya Birla Sun Life Crisil-IBX Financial Services 3 to 6 months Debt Index Fund charges less: 0.15% a year against 0.24%. These are the Direct plans' total expense ratios reported to AMFI.
How much do Aditya Birla Sun Life Crisil-IBX Financial Services 3 to 6 months Debt Index Fund and UTI Banking & PSU Debt Fund overlap?
16.4%. They hold 8 of the same securities, the largest shared ones being 7.80% National Bank for Agriculture and Rural Development (15/03/2027), Small Industries Development Bank of India (29/01/2027), Small Industries Development Bank of India (26/02/2027). From each fund's latest monthly portfolio.
Which is riskier, Aditya Birla Sun Life Crisil-IBX Financial Services 3 to 6 months Debt Index Fund or UTI Banking & PSU Debt Fund?
On SEBI's riskometer, Aditya Birla Sun Life Crisil-IBX Financial Services 3 to 6 months Debt Index Fund is rated Low to Moderate and UTI Banking & PSU Debt Fund Low to Moderate. Over 1 years, the standard deviation of daily returns was 0.43% and 0.65% a year.
Can I invest in both Aditya Birla Sun Life Crisil-IBX Financial Services 3 to 6 months Debt Index Fund and UTI Banking & PSU Debt Fund?
Yes. 16.4% of each fund's money sits in the same holdings, so some of the two investments would move together.
Who manages Aditya Birla Sun Life Crisil-IBX Financial Services 3 to 6 months Debt Index Fund and UTI Banking & PSU Debt Fund?
Aditya Birla Sun Life Crisil-IBX Financial Services 3 to 6 months Debt Index Fund: Harshil Survankar, Sanjay Pawar. UTI Banking & PSU Debt Fund: Anurag Mittal FM 1, Not Applicable FM 2, Not Applicable FM 3, Not Applicable FM 4.
Sources: NAV and expense ratio from AMFI. Holdings from each fund house's monthly portfolio statement. Fund facts from each scheme summary document.
This page is information, not investment advice. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Past returns do not promise future returns. Figures come from AMFI, NSE, BSE and each fund house's own documents.