UTI - Banking and Financial Services Fund

ThematicDirect and Regular plans, Growth and IDCW options

Data as on 30-10-2026

UTI - Banking and Financial Services Fund is a Thematic fund run by UTI Mutual Fund. On 30-09-2026, it managed ₹1,339 Cr of investors' money. In the 3 years to 30-10-2026, its Direct plan returned 12.0% a year and its Regular plan returned 10.8% a year. Its benchmark, Nifty Financial Services TRI, returned 9.8% a year over the same 3 years.

NAV (Direct plan): ₹212.57; ▼ 0.34%30-10-2026
NAV (Regular plan): ₹184.10; ▼ 0.34%30-10-2026
Expense ratio: 1.45%Direct2.38%Regular; 1.45%; A year
Riskometer: Very High; Set by the fund house
3 year return: 12.0%Direct10.8%Regular; 12.0%; A year

UTI - Banking and Financial Services Fund NAV Today

NAV on 30-10-2026: Direct Plan Growth ₹212.57 (down 0.34% that day); Regular Plan Growth ₹184.10 (down 0.34% that day).

This fund (Direct plan)

₹212.5658

UTI - Banking and Financial Services Fund Returns vs Nifty Financial Services TRI

Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.

Trailing returns
Period	1M	3M	6M	1Y	3Y	5Y	10Y
This fund (Direct)	−1.86%	−5.50%	−1.11%	−5.38%	+11.97%	+9.64%	+10.17%
This fund (Regular)	−1.94%	−5.73%	−1.59%	−6.33%	+10.82%	+8.47%	+9.01%
Nifty Financial Services TRI	+0.30%	−5.63%	−2.88%	−8.88%	+9.77%	+6.64%	+12.73%
Thematic average	−2.09%	−4.52%	+0.86%	−1.22%	+13.76%	+11.62%	+13.76%
Best in Thematic	+11.54%	+11.27%	+22.16%	+75.71%	+54.78%	+21.14%	+19.31%
Worst in Thematic	−16.05%	−11.74%	−13.97%	−22.44%	−4.46%	+3.65%	+7.72%
Rank in Thematic	106/235	123/232	126/232	129/215	73/133	64/96	58/63

Category rows compare the Direct plans of 235 Thematic funds. Rank 1 is the highest return.

UTI - Banking and Financial Services Fund Year-wise Returns

Return of each calendar year
Year	Direct	Regular	Nifty Financial Services TRI
2026to date	−6.40%	−7.18%	−9.69%
2025	+17.53%	+16.32%	+18.60%
2024	+12.26%	+11.09%	+10.52%
2023	+20.81%	+19.54%	+14.31%
2022	+16.45%	+15.08%	+10.47%
2021	+15.53%	+14.27%	+14.55%

UTI - Banking and Financial Services Fund Rolling Returns

The return of every holding period in the fund's history, not only the one that ends today

Rolling returns

Each point is the yearly return of one 3-year holding period, plotted on the day it ended. There are 2,666 periods, one for each trading day from 04-01-2016 to 30-10-2026.

−20%−10%0%10%20%30%40%

Nov 2013
to
Nov 2016Sept 2015
to
Sept 2018Jul 2017
to
Jul 2020May 2019
to
May 2022Mar 2021
to
Mar 2024Dec 2022
to
Dec 2025

UTI - Banking and Financial Services Fund (Direct)Nifty Financial Services TRI

Every holding period at a glance

Period	Periods	Median	Lowest	Highest	With a loss	Benchmark median	Beat benchmark
1 year	3,154	13.5%	−46.2%	100.9%	21%	15.3%	52%
2 years	2,912	14.9%	−23.2%	49.2%	8%	15.3%	57%
3 years	2,666	14.5%	−13.6%	34.8%	7%	14.5%	53%
5 years	2,173	11.7%	−3.4%	29.1%	2%	14.2%	27%
7 years	1,684	11.0%	2.6%	18.3%	0%	14.4%	5%
10 years	941	12.7%	9.2%	16.6%	0%	15.0%	0%

Every SIP holding period at a glance

Period	Periods	Median	Lowest	Highest	With a loss	Benchmark median	Beat benchmark
1 year	154	15.3%	−65.5%	94.4%	27%	15.6%	55%
2 years	142	16.1%	−40.9%	47.9%	14%	15.5%	52%
3 years	130	16.1%	−29.2%	26.1%	7%	16.1%	55%
5 years	106	12.7%	−12.4%	22.8%	8%	15.4%	41%
7 years	82	11.8%	−3.6%	17.2%	4%	14.6%	37%
10 years	46	12.8%	10.6%	14.6%	0%	14.6%	4%

Lumpsum: the yearly rate (CAGR) from the NAV on a period's first day to the NAV on its last. SIP: the XIRR of the monthly instalments and their value on the last day. "With a loss" counts the periods that ended below the money put in. "Beat benchmark" counts the periods in which the fund did better than Nifty Financial Services TRI over the same days. Past returns do not promise future returns.

UTI - Banking and Financial Services Fund Risk

How much it swings, and the falls an investor had to sit through

Risk and return

Measure	UTI - Banking and Financial Services Fund (Direct)This fund	Nifty Financial Services TRI
Return (CAGR)	−5.38%	−8.88%
Standard deviation	17.02%	17.58%
Sharpe ratio	-0.62	-0.80
Sortino ratio	-0.87	-1.11
Maximum drawdown	−16.5% (31-03-2026)	−17.3% (30-03-2026)
Beta	0.96	1.00
Alpha	+2.91%	0.00%

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: 1 moves with the benchmark, below 1 moves less. Alpha: return beyond what its beta explains, a year.

Measure	UTI - Banking and Financial Services Fund (Direct)This fund	Nifty Financial Services TRI
Return (CAGR)	+11.97%	+9.77%
Standard deviation	15.95%	16.24%
Sharpe ratio	0.37	0.23
Sortino ratio	0.52	0.32
Maximum drawdown	−16.5% (31-03-2026)	−17.3% (30-03-2026)
Beta	0.94	1.00
Alpha	+2.41%	0.00%

From daily NAVs, 30-10-2023 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: 1 moves with the benchmark, below 1 moves less. Alpha: return beyond what its beta explains, a year.

Measure	UTI - Banking and Financial Services Fund (Direct)This fund	Nifty Financial Services TRI
Return (CAGR)	+9.64%	+6.64%
Standard deviation	16.23%	16.70%
Sharpe ratio	0.24	0.05
Sortino ratio	0.33	0.07
Maximum drawdown	−20.0% (16-06-2022)	−21.4% (16-06-2022)
Beta	0.94	1.00
Alpha	+3.06%	0.00%

From daily NAVs, 29-10-2021 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: 1 moves with the benchmark, below 1 moves less. Alpha: return beyond what its beta explains, a year.

Measure	UTI - Banking and Financial Services Fund (Direct)This fund	Nifty Financial Services TRI
Return (CAGR)	+10.17%	+12.73%
Standard deviation	20.63%	20.60%
Sharpe ratio	0.23	0.36
Sortino ratio	0.31	0.49
Maximum drawdown	−49.0% (23-03-2020)	−43.5% (23-03-2020)
Beta	0.96	1.00
Alpha	−2.30%	0.00%

From daily NAVs, 28-10-2016 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: 1 moves with the benchmark, below 1 moves less. Alpha: return beyond what its beta explains, a year.

Measure	UTI - Banking and Financial Services Fund (Direct)This fund	Nifty Financial Services TRI
Return (CAGR)	+11.05%	+12.87%
Standard deviation	21.17%	21.02%
Sharpe ratio	0.24	0.32
Sortino ratio	0.33	0.45
Maximum drawdown	−49.0% (23-03-2020)	−43.5% (23-03-2020)
Beta	0.97	1.00
Alpha	−1.60%	0.00%

From daily NAVs, 02-01-2013 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: 1 moves with the benchmark, below 1 moves less. Alpha: return beyond what its beta explains, a year.

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.

−50%−40%−30%−20%−10%0%

2014201620182020202220242026

UTI - Banking and Financial Services Fund (Direct)Nifty Financial Services TRI

	Worst fall	High before it	Bottom	Back at the high	Time to climb back	Below its high today
UTI - Banking and Financial Services Fund (Direct)	−49.0%	02-01-2020	23-03-2020	02-02-2021	10 months	−10.1%
Nifty Financial Services TRI	−43.5%	02-01-2020	23-03-2020	15-12-2020	9 months	−12.4%

From the Direct plan's daily NAV since 02-01-2013, adjusted for unit splits, and Nifty Financial Services TRI over the same days. "Time to climb back" runs from the bottom to the first day back at the old high.

UTI - Banking and Financial Services Fund vs Other Thematic Funds

The five Thematic funds with the best three year return, and this fund. Direct plans.

Fund name	Rank	AUM (Cr)	Exp. ratio	1Y return	3Y return	3Y alpha	3Y beta	3Y Sharpe	3Y Sortino
Nippon India Taiwan Equity Fund	1/133	1,147	1.08%	+75.71%	+54.78%	--	--	1.38	2.03	Compare
HDFC Defence Fund	2/133	11,493	0.90%	+13.79%	+34.76%	−0.18%	0.83	1.12	1.54	Compare
HDFC Pharma and Healthcare Fund	3/133	3,501	1.05%	+23.12%	+30.53%	+8.23%	0.96	1.74	2.49	Compare
SBI Healthcare Opportunities Fund	4/133	5,870	1.01%	+17.12%	+24.60%	+3.61%	0.88	1.42	2.03	Compare
Aditya Birla Sun Life International Equity Fund	5/133	352	2.00%	+13.97%	+24.46%	--	--	1.49	2.16	Compare
UTI - Banking and Financial Services Fund	73/133	1,339	1.45%	−5.38%	+11.97%	+2.41%	0.94	0.37	0.52

AUM is each fund's size at the end of its last reported month, from its own portfolio file. We calculate the risk ratios from daily NAVs over the last three years. The risk-free return is what NSE's overnight rate index earned over the same years. Alpha and beta compare each fund with its own benchmark's TRI. "--" means we have no figure: for alpha and beta, no daily series for that benchmark.

UTI - Banking and Financial Services Fund Expense Ratio and Costs

What each plan charges a year, in force from 21-10-2026

Plan	Base expense ratio	Brokerage	Transaction costs	Levies and GST	Total expense ratio	Thematic median	Cost rank (1 = cheapest)
Direct	0.99%	0.09%	0.00%	0.37%	1.45%	1.18%	177/235
Regular	1.82%	0.09%	0.00%	0.47%	2.38%	2.41%	112/235

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, the cost of executing trades, and statutory levies with GST. From AMFI's expense ratio file. Cost rank: where this plan comes when the Thematic funds' plans of the same type are sorted from the lowest total expense ratio to the highest.

Direct vs Regular: what the gap cost

Both plans own the same portfolio, so the difference in what they earned is the Regular plan's extra cost, taken out of its NAV.

Over the last	Regular	Direct	Direct earned more by	₹1 lakh became (Regular)	₹1 lakh became (Direct)
1 year	−6.33%	−5.38%	0.95%	₹93,670	₹94,620
3 years	10.82%	11.97%	1.15% a year	₹1,36,099	₹1,40,380
5 years	8.47%	9.64%	1.17% a year	₹1,50,158	₹1,58,433
10 years	9.01%	10.17%	1.16% a year	₹2,36,954	₹2,63,411

Returns over more than 1 year are a rate a year (CAGR). ₹1 lakh invested once at the start of each period, valued on the last NAV.

UTI - Banking and Financial Services Fund SIP Calculator

What a one-time or monthly investment in this fund would be worth today, from its own NAV history

Growth of an investment

Every month₹

Step up each year

PeriodFor

₹10,000 on the first trading day of every month, from 02-01-2013 to 30-10-2026: 166 instalments, ₹16,60,000 in all.

Investment	Invested	Value now	Gain	Return a year
Direct planUTI - Banking and Financial Services Fund (Direct)	₹16,60,000	₹38,87,204	₹22,27,204	11.5%
Regular planUTI - Banking and Financial Services Fund (Regular)	₹16,60,000	₹35,49,084	₹18,89,084	10.3%
Nifty Financial Services TRI	₹16,60,000	₹41,99,102	₹25,39,102	12.5%
Category averageCategory average, 235 Thematic funds	₹16,60,000	₹52,02,269	₹35,42,269	15.2%

₹0₹20.0 L₹40.0 L₹60.0 L

2014201620182020202220242026

Direct planUTI - Banking and Financial Services Fund (Direct)Regular planUTI - Banking and Financial Services Fund (Regular)Nifty Financial Services TRICategory averageCategory average, 235 Thematic fundsAmount invested

From each plan's published NAV (Growth option), the benchmark's TRI and the category average, 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.

UTI - Banking and Financial Services Fund Asset Allocation

Asset allocation as on 30-09-2026

What the fund holds

98.7%Equity

Asset	Fund	Category
Equity	98.7%	94.5%
Cash and others	1.3%	4.0%

Market cap of stocks

Market cap	Fund	Category
Large Cap	78.2%	45.7%
Mid Cap	9.9%	19.6%
Small Cap	10.0%	24.1%
Not on AMFI's list	0.7%	2.3%

Share of the whole fund. Category: the average of the Thematic funds that hold stocks. Groups follow AMFI's latest list, as SEBI defines them: Large Cap is the 100 largest companies, Mid Cap the next 150, Small Cap the rest.

UTI - Banking and Financial Services Fund Sector Allocation

Sector allocation of the fund's stocks as on 30-09-2026

Largest sectors

Banks64.5%
Finance18.0%
Insurance9.5%
Capital Markets4.7%
Financial Technology (Fintech)1.5%
Not Applicable0.7%

Sector changes

Sector	July 2026	August 2026	September 2026	Change
Banks	62.1%	63.3%	64.5%	+2.4%
Finance	20.3%	17.0%	18.0%	−2.3%
Insurance	9.3%	10.1%	9.5%	+0.2%
Capital Markets	3.1%	5.0%	4.7%	+1.6%
Financial Technology (Fintech)	1.7%	0.8%	1.5%	−0.2%

Each sector's share of the fund at the end of each month. The five largest sectors of September 2026. Change: from July 2026 to September 2026, in % of the fund.

UTI - Banking and Financial Services Fund Portfolio Holdings

As on 30-09-2026 · 37 holdings · from the fund house's monthly portfolio

Holdings	Sector	Weight%	1M change
EQ - HDFC BANK LIMITED	Banks	17.60%	0.0%
EQ - ICICI BANK LTD	Banks	10.37%	−8.7%
EQ - STATE BANK OF INDIA	Banks	9.98%	0.0%
EQ - AXIS BANK LTD.	Banks	9.93%	−4.4%
EQ - KOTAK MAHINDRA BANK LTD.	Banks	9.89%	−2.3%
EQ - BAJAJ FINANCE LTD.	Finance	5.07%	0.0%
EQ - SHRIRAM FINANCE LTD	Finance	4.61%	+18.9%
EQ - UJJIVAN SMALL FINANCE BANK LTD	Banks	3.93%	0.0%
EQ - SBI LIFE INSURANCE COMPANY LTD	Insurance	3.89%	+10.8%
EQ - ICICI LOMBARD GENERAL INSURANC	Insurance	1.78%	0.0%
EQ - AAVAS FINANCIERS LTD.	Finance	1.76%	0.0%
EQ - BAJAJ FINSERV LTD.	Finance	1.50%	0.0%
EQ - BSE LTD	Capital Markets	1.27%	+266.7%
EQ - MAX FINANCIAL SERVICES LTD.	Insurance	1.19%	−25.6%
EQ - BANK OF MAHARASHTRA	Banks	1.10%	0.0%
EQ - MULTI COMMODITY EXCHANGE OF IN	Capital Markets	1.06%	−57.8%
EQ - CHOLAMANDALAM INVESTMENT & FIN	Finance	1.01%	−37.4%
EQ - LIC OF INDIA	Insurance	0.99%	−14.1%
EQ - ADITYA BIRLA CAPITAL LTD	Finance	0.99%	0.0%
EQ - KFIN TECHNOLOGIES LTD	Capital Markets	0.97%	0.0%
EQ - BANDHAN BANK LTD.	Banks	0.93%	New
EQ - BILLIONBRAINS GARAGE VENTURES LTD	Capital Markets	0.89%	0.0%
EQ - GENERAL INSURANCE CORPORATION	Insurance	0.87%	0.0%
EQ - INDUSIND BANK	Banks	0.80%	0.0%
EQ - SESHAASAI TECHNOLOGIES LIMITED	Financial Technology (Fintech)	0.76%	−1.8%
EQ - HDFC LIFE INSURANCE COMPANY LI	Insurance	0.74%	−51.3%
EQ - SUNDARAM FINANCE LTD.	Finance	0.70%	0.0%
EQ - NATIONAL STOCK EXCHANGE OF INDIA LIMITED	Not Applicable	0.65%	New
EQ - ONE 97 COMMUNICATIONS LTD	Financial Technology (Fintech)	0.63%	New
EQ - CREDITACCESS GRAMEEN LTD	Finance	0.63%	+302.1%
EQ - INDIA SHELTER FINANCE CORPORATION LTD	Finance	0.51%	0.0%
EQ - ICICI PRUDENTIAL ASSET MANAGEMENT COMPANY LIMITED	Capital Markets	0.47%	0.0%
EQ - CHOLAMANDALAM FINANCIAL HOLDIN	Finance	0.47%	0.0%
EQ - SBI CARDS & PAYMENTS SERVICES	Finance	0.43%	New
EQ - L&T FINANCE LIMITED	Finance	0.25%	New
EQ - PB FINTECH LTD	Financial Technology (Fintech)	0.08%	+100.0%
EQ - HDB FINANCIAL SERVICES LIMITED	Finance	0.03%	0.0%

UTI - Banking and Financial Services Fund Stocks Bought and Sold

All changes are between August 2026 and September 2026

Stocks bought and sold in September 2026

EQ - ICICI BANK LTD	Reduced	−8.7%	10.37%
EQ - AXIS BANK LTD.	Reduced	−4.4%	9.93%
EQ - KOTAK MAHINDRA BANK LTD.	Reduced	−2.3%	9.89%
EQ - SHRIRAM FINANCE LTD	Added	+18.9%	4.61%
EQ - SBI LIFE INSURANCE COMPANY LTD	Added	+10.8%	3.89%
EQ - MULTI COMMODITY EXCHANGE OF IN	Reduced	−57.8%	1.06%
EQ - CHOLAMANDALAM INVESTMENT & FIN	Reduced	−37.4%	1.01%
EQ - MAX FINANCIAL SERVICES LTD.	Reduced	−25.6%	1.19%
EQ - HDFC LIFE INSURANCE COMPANY LI	Reduced	−51.3%	0.74%
EQ - BSE LTD	Added	+266.7%	1.27%
EQ - LIC OF INDIA	Reduced	−14.1%	0.99%
EQ - BANDHAN BANK LTD.	New	New	0.93%
EQ - SESHAASAI TECHNOLOGIES LIMITED	Reduced	−1.8%	0.76%
EQ - NATIONAL STOCK EXCHANGE OF INDIA LIMITED	New	New	0.65%
EQ - CREDITACCESS GRAMEEN LTD	Added	+302.1%	0.63%
EQ - ONE 97 COMMUNICATIONS LTD	New	New	0.63%
EQ - SBI CARDS & PAYMENTS SERVICES	New	New	0.43%
EQ - AU SMALL FINANCE BANK LTD	Sold out	−100%	was 0.26%
EQ - L&T FINANCE LIMITED	New	New	0.25%
EQ - PB FINTECH LTD	Added	+100.0%	0.08%

A change is counted by the number of shares the fund holds, not by price. A stock can become a smaller part of the fund in a month when the fund bought more of it, if its price fell. Debt papers are left out.

What UTI - Banking and Financial Services Fund bought and sold

UTI - Banking and Financial Services Fund Portfolio Overlap

Funds with the most similar portfolios, across every fund house and category

Fund	Overlap	Holdings in common
Mirae Asset Nifty Financial Services ETFETF · Mirae Asset	77.2%	15	Compare
Tata NIFTY Financial Services Index FundIndex · Tata	77.2%	15	Compare
HDFC Banking & Financial Services FundThematic · HDFC	67.3%	20	Compare
ICICI Prudential Banking & Financial Services FundThematic · ICICI Prudential	63.9%	21	Compare
MahindraManulife Banking & Financial Services FundSectoral · Mahindra Manulife	62.6%	20	Compare
Mirae Asset Banking and Financial Services FundThematic · Mirae Asset	62.5%	18	Compare
Kotak Banking And Financial Services FundThematic · Kotak Mahindra	62.4%	18	Compare
Canara Robeco Banking and Financial Services FundSectoral · Canara Robeco	61.9%	18	Compare

Overlap: for each holding both funds own, the smaller of its two weights, added up. 40% means 40% of each fund's money sits in positions the other also holds. From each fund's latest monthly portfolio, matched by ISIN. Cash and hedged positions are left out. Funds that overlap under 10% are not listed. A high overlap does not make two funds the same: their costs, lock-in and category can differ.

UTI - Banking and Financial Services Fund Overview

Fund facts from the scheme summary document, as on 16-10-2026

Expense ratio (Direct): 1.45%
Expense ratio (Regular): 2.38%
Category: Thematic
Risk: Very High
Benchmark: Nifty Financial Services TRI
Launch date: 07-04-2004
AUM: ₹1,339.13 Cr (30-09-2026)
Lock in: None
Scheme code (Direct): 120733
ISIN (Direct): INF789F01SN3
Scheme code (Regular): 102401
ISIN (Regular): INF789F01372
NAV history: From 02-01-2013, 13.8 years

Minimum investment: Regular Plan-Growth- Rs.5000, Regular Plan-Reinvestment of IDCW- Rs.5000, Regular Plan-Payout of IDCW- Rs.5000, Direct Plan-Growth- Rs.5000, Direct Plan-Reinvestment of IDCW- Rs.5000, Direct Plan-Payout of IDCW- Rs.5000,
Minimum additional investment: Regular Plan-Growth-Rs.1000, Regular Plan-Reinvestment of IDCW-Rs.1000, Regular Plan-Payout of IDCW-Rs.1000, Direct Plan-Growth-Rs.1000, Direct Plan-Reinvestment of IDCW-Rs.1000, Direct Plan-Payout of IDCW-Rs.1000,
Exit load: 1.00% if redeemed before 30 days from the date of allotment. Nil if redeemed on or after 30 days from the date of allotment

Tax on UTI - Banking and Financial Services Fund returns

UTI - Banking and Financial Services Fund is taxed as an equity fund: 65% or more of it is in Indian stocks.
Units sold within 1 year: the gain is taxed at 20%.
Units held longer: gains above ₹1.25 lakh in a financial year, across all your equity funds and shares, are taxed at 12.5%.
IDCW (dividend) payouts are added to your income and taxed at your slab rate.
A stamp duty of 0.005% is deducted when you invest.

Rules in force from 23-07-2024 (Finance Act 2024). Tax depends on your own income; this is general information, not tax advice.

All plans and options

Plan	Option	NAV	As on
direct	Growth	₹212.5658	30-10-2026
direct	IDCW	₹83.1946	30-10-2026
regular	Growth	₹184.104	30-10-2026
regular	IDCW	₹71.6524	30-10-2026

About UTI - Banking and Financial Services Fund

UTI - Banking and Financial Services Fund is a mutual fund from UTI Mutual Fund. Its category is Thematic. It was launched on 07-04-2004. Its benchmark is Nifty Financial Services TRI. At the end of September 2026 it held 37 securities.

Fund Manager

Bhavesh Kanani FM 1
Fund manager of UTI - Banking and Financial Services Fund
Not Applicable FM 2
Fund manager of UTI - Banking and Financial Services Fund
Not Applicable FM 3
Fund manager of UTI - Banking and Financial Services Fund
Not Applicable FM 4
Fund manager of UTI - Banking and Financial Services Fund

See all funds of UTI Mutual Fund

AUM change

September 2026: ₹1,339.13 Cr; −7.76% from August 2026
August 2026: ₹1,451.73 Cr; +0.85% from July 2026
July 2026: ₹1,439.51 Cr; +0.69% from June 2026

AUM moves with money invested or taken out, and with the value of what the fund holds.

Compare UTI - Banking and Financial Services Fund with Other Funds

Returns, risk, costs and the stocks they share, side by side

Compare with any other fund

Frequently Asked Questions for UTI - Banking and Financial Services Fund

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

The Direct plan NAV is ₹212.5658. The Regular plan NAV is ₹184.104, as on 30-10-2026.

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

The Direct plan returned −5.38% in 1 year, +11.97% a year over 3 years, +9.64% a year over 5 years. The Regular plan returned −6.33% in 1 year, +10.82% a year over 3 years, +8.47% a year over 5 years. These figures are as on 30-10-2026.

What is the expense ratio of UTI - Banking and Financial Services Fund?

The Direct plan charges 1.45% a year. The Regular plan charges 2.38% a year. This is the figure the fund house reported to AMFI, in force from 21-10-2026.

What is the AUM of UTI - Banking and Financial Services Fund?

UTI - Banking and Financial Services Fund managed ₹1,339.13 Cr on 30-09-2026, as its fund house reported in its monthly portfolio.

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

At the end of September 2026 the largest holdings were HDFCBANK (17.60%), ICICIBANK (10.37%), SBIN (9.98%), AXISBANK (9.93%), KOTAKBANK (9.89%). The fund held 37 securities in all.

What did UTI - Banking and Financial Services Fund buy and sell in September 2026?

It bought 5 new stocks: EQ - SBI CARDS & PAYMENTS SERVICES, EQ - L&T FINANCE LIMITED, EQ - BANDHAN BANK LTD, EQ - NATIONAL STOCK EXCHANGE OF INDIA LIMITED, EQ - ONE 97 COMMUNICATIONS LTD. It sold out of 1: EQ - AU SMALL FINANCE BANK LTD. It added shares in 5. It reduced 9.

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

Through UTI Mutual Fund's website or app, a mutual fund distributor, or an investment platform. Choose the Direct plan to pay no distributor commission, or the Regular plan to invest through a distributor. The first investment is at least Regular Plan-Growth- Rs.5000, Regular Plan-Reinvestment of IDCW- Rs.5000, Regular Plan-Payout of IDCW- Rs.5000, Direct Plan-Growth- Rs.5000, Direct Plan-Reinvestment of IDCW- Rs.5000, Direct Plan-Payout of IDCW- Rs.5000,. You can invest once or through a monthly SIP.

Who is the fund manager of UTI - Banking and Financial Services Fund?

Bhavesh Kanani FM 1, Not Applicable FM 2, Not Applicable FM 3, Not Applicable FM 4.

Sources: NAV and expense ratio from AMFI. Holdings from the fund house's monthly portfolio statement. Fund facts from its scheme summary document, as on 16-10-2026.

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.