UTI Banking & PSU Debt Fund is a Banking & PSU fund run by UTI Mutual Fund. On 30-09-2026, it managed ₹1,448 Cr of investors' money. In the 3 years to 30-10-2026, its Direct plan returned 7.5% a year and its Regular plan returned 7.2% a year. Its benchmark, NIFTY Banking & PSU Debt Index A-II, returned 6.6% a year over the same 3 years.
NAV (Direct plan)
₹24.15
▲ 0.01% · 30-10-2026
NAV (Regular plan)
₹23.66
▲ 0.01% · 30-10-2026
Expense ratio
0.24%Direct0.47%Regular
0.24%
A year
Riskometer
Low to Moderate
Set by the fund house
3 year return
7.5%Direct7.2%Regular
7.5%
A year
UTI Banking & PSU Debt Fund NAV Today
NAV on 30-10-2026: Direct Plan Growth ₹24.15 (up 0.01% that day); Regular Plan Growth ₹23.66 (up 0.01% that day).
This fund (Direct plan)
₹24.1464
UTI Banking & PSU Debt Fund Returns vs NIFTY Banking & PSU Debt Index A-II
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)
+0.29%
+1.41%
+3.21%
+5.74%
+7.47%
+7.79%
+6.46%
This fund (Regular)
+0.27%
+1.34%
+3.09%
+5.47%
+7.20%
+7.51%
+6.28%
NIFTY Banking & PSU Debt Index A-II
+0.16%
+0.57%
+2.67%
+4.43%
+6.60%
+5.65%
--
Banking & PSU average
−0.21%
+0.14%
+2.36%
+4.04%
+6.88%
+6.22%
+6.95%
Best in Banking & PSU
+0.29%
+1.41%
+3.21%
+5.74%
+7.47%
+7.79%
+7.22%
Worst in Banking & PSU
−0.45%
−0.53%
+1.89%
+2.97%
+6.32%
+5.58%
+6.46%
Rank in Banking & PSU
1/19
1/19
1/19
1/19
1/18
1/16
13/13
Category rows compare the Direct plans of 19 Banking & PSU funds. Rank 1 is the highest return. The benchmark row is as on 30-09-2026, as NSE published it.
UTI Banking & PSU Debt Fund Year-wise Returns
Return of each calendar year
Year
Direct
Regular
2026to date
+4.86%
+4.64%
2025
+8.04%
+7.80%
2024
+7.92%
+7.64%
2023
+7.01%
+6.66%
2022
+10.57%
+10.32%
2021
+2.95%
+2.82%
UTI Banking & PSU Debt 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 2,354 periods, one for each trading day from 06-02-2017 to 30-10-2026.
0%2%4%6%8%10%
UTI Banking & PSU Debt Fund (Direct)
Category average, 19 Banking & PSU funds
Nov 2014 to Nov 2017Jul 2016 to Jul 2019Mar 2018 to Mar 2021Nov 2019 to Nov 2022Jun 2021 to Jun 2024Jan 2023 to Jan 2026
UTI Banking & PSU Debt Fund (Direct)Category average, 19 Banking & PSU funds
0%
0%
Below 0%
27%
3%
0-5%
73%
97%
5-10%
0%
0%
10-15%
0%
0%
15-20%
0%
0%
20-25%
0%
0%
Above 25%
Every holding period at a glance
Period
Periods
Median
Lowest
Highest
With a loss
Category median
Beat category
1 year
2,835
7.8%
−1.5%
13.8%
3%
7.9%
47%
2 years
2,594
7.4%
1.9%
10.7%
0%
7.7%
53%
3 years
2,354
7.4%
3.5%
10.0%
0%
7.8%
61%
5 years
1,870
6.6%
4.4%
8.2%
0%
7.2%
32%
7 years
1,384
6.5%
5.8%
7.5%
0%
7.4%
9%
10 years
660
7.0%
6.5%
7.1%
0%
7.6%
0%
Every SIP holding period at a glance
Period
Periods
Median
Lowest
Highest
With a loss
Category median
Beat category
1 year
141
7.6%
−7.3%
14.2%
3%
7.6%
48%
2 years
129
7.5%
−1.3%
11.9%
1%
7.6%
56%
3 years
117
7.4%
1.5%
10.4%
0%
7.3%
60%
5 years
93
6.7%
4.2%
8.2%
0%
7.1%
55%
7 years
69
6.5%
4.9%
7.6%
0%
6.9%
35%
10 years
33
6.8%
6.6%
7.1%
0%
7.2%
3%
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 category" counts the periods in which the fund did better than the average of the 19 Banking & PSU funds (Direct plans, each weighted the same) over the same days. Past returns do not promise future returns.
UTI Banking & PSU Debt Fund Risk
How much it swings, and the falls an investor had to sit through
Risk and return
Measure
UTI Banking & PSU Debt Fund (Direct)This fund
Category average
Return (CAGR)
+5.74%
+4.04%
Standard deviation
0.65%
1.18%
Sharpe ratio
0.76
-1.02
Sortino ratio
1.14
-1.39
Maximum drawdown
−0.26%
(21-05-2026)
−0.54%
(02-04-2026)
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.
Measure
UTI Banking & PSU Debt Fund (Direct)This fund
Category average
Return (CAGR)
+7.47%
+6.89%
Standard deviation
0.75%
1.00%
Sharpe ratio
1.92
0.87
Sortino ratio
3.16
1.29
Maximum drawdown
−0.41%
(13-06-2025)
−0.54%
(02-04-2026)
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.
Measure
UTI Banking & PSU Debt Fund (Direct)This fund
Category average
Return (CAGR)
+7.79%
+6.19%
Standard deviation
2.92%
0.98%
Sharpe ratio
0.68
0.39
Sortino ratio
2.76
0.54
Maximum drawdown
−1.1%
(14-10-2022)
−0.91%
(05-05-2022)
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.
Measure
UTI Banking & PSU Debt Fund (Direct)This fund
Category average
Return (CAGR)
+6.46%
+6.96%
Standard deviation
3.32%
1.60%
Sharpe ratio
0.32
0.98
Sortino ratio
0.44
1.59
Maximum drawdown
−6.7%
(30-04-2019)
−3.2%
(23-03-2020)
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.
Measure
UTI Banking & PSU Debt Fund (Direct)This fund
Category average
Return (CAGR)
+7.16%
+7.55%
Standard deviation
2.96%
1.46%
Sharpe ratio
0.44
1.16
Sortino ratio
0.60
1.89
Maximum drawdown
−6.7%
(30-04-2019)
−3.2%
(23-03-2020)
From daily NAVs, 06-02-2014 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.
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.
−8%−6%−4%−2%0%
UTI Banking & PSU Debt Fund (Direct)
Category average, 19 Banking & PSU funds
201520172019202120232025
UTI Banking & PSU Debt Fund (Direct)Category average, 19 Banking & PSU funds
Worst fall
High before it
Bottom
Back at the high
Time to climb back
Below its high today
UTI Banking & PSU Debt Fund (Direct)
−6.7%
02-04-2019
30-04-2019
07-02-2020
9 months
0.0%
Category average
−3.2%
06-03-2020
23-03-2020
20-04-2020
28 days
−0.37%
From the Direct plan's daily NAV since 06-02-2014, adjusted for unit splits, and the average of the 19 Banking & PSU funds (Direct plans, each weighted the same) over the same days. "Time to climb back" runs from the bottom to the first day back at the old high.
UTI Banking & PSU Debt Fund vs Other Banking & PSU Funds
The five Banking & PSU funds with the best three year return, and this fund. Direct plans.
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 & PSU Debt Fund Expense Ratio and Costs
What each plan charges a year, in force from 01-09-2026
Plan
Base expense ratio
Brokerage
Transaction costs
Levies and GST
Total expense ratio
Banking & PSU median
Cost rank (1 = cheapest)
Direct
0.20%
0.01%
0.00%
0.03%
0.24%
0.36%
3/19
Regular
0.40%
0.01%
0.00%
0.06%
0.47%
0.70%
1/19
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 Banking & PSU 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
5.47%
5.74%
0.27%
₹1,05,470
₹1,05,740
3 years
7.20%
7.47%
0.27% a year
₹1,23,193
₹1,24,126
5 years
7.51%
7.79%
0.28% a year
₹1,43,630
₹1,45,510
10 years
6.28%
6.46%
0.18% a year
₹1,83,872
₹1,87,010
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 & PSU Debt 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
Step up each year
PeriodFor
₹10,000 on the first trading day of every month, from 06-02-2014 to 30-10-2026: 153 instalments, ₹15,30,000 in all.
Direct planUTI Banking & PSU Debt Fund (Direct)Regular planUTI Banking & PSU Debt Fund (Regular)Category averageCategory average, 19 Banking & PSU fundsAmount invested
From each plan's published NAV (Growth option) 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 & PSU Debt Fund Asset Allocation
Asset allocation as on 30-09-2026
What the fund holds
97.2%Debt
Asset
Fund
Category
Debt
97.2%
91.5%
Cash and others
2.8%
8.5%
Credit rating
Bonds and money market papers by credit rating, % of the fund. Category: the average of 19 Banking & PSU funds.
Rating
Fund
Category
Sovereign
9.1%
8.9%
AAA and A1+
88.1%
81.8%
UTI Banking & PSU Debt Fund Portfolio Holdings
As on 30-09-2026 · 42 holdings · from the fund house's monthly portfolio
Holdings
Rating
Weight%
CD - CANARA BANK - 28/01/2027 · Certificate of deposit
CRISIL-A1+
7.77%
CD - UNION BANK OF INDIA - 19/01/2027 · Certificate of deposit
ICRA-A1+
6.77%
CD - ICICI BANK LTD - 25/03/2027
ICRA-A1+
5.02%
NCD NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT · Bond
ICRA-AAA
3.80%
NCD AXIS BANK LTD. · Bond
CRISIL-AAA
3.80%
7.38% GSEC 20/06/2027 · Government security
SOV
3.48%
7.61% TN SDL MAT 15/02/27. · State government security
SOV
3.47%
CD - Axis Bank Ltd - 13/01/2027
CRISIL-A1+
3.39%
CD - HDFC BANK LTD. - 22/01/2027 · Certificate of deposit
CARE-A1+
3.38%
CD - SMALL INDST. DEV. BANK OF INDIA - 29/01/2027 · Certificate of deposit
CARE-A1+
3.38%
CD - NABARD - 22/01/2027 · Certificate of deposit
ICRA-A1+
3.38%
CP POONAWALLA FINCORP LTD. · Commercial paper
CARE-A1+
3.37%
CD - SMALL INDST. DEV. BANK OF INDIA - 26/02/2027 · Certificate of deposit
CARE-A1+
3.36%
CD - INDIAN BANK - 12/01/2027 · Certificate of deposit
CRISIL-A1+
3.05%
NCD ADITYA BIRLA HOUSING FINANCE LTD · Bond
CRISIL-AAA
2.76%
NCD INDIAN RAILWAY FINANCE CORPORATION LIMITED · Bond
CRISIL-AAA
2.08%
7.86% KARNATAKA SDL- 15/03/2027 · State government security
SOV
1.74%
NCD POWER FINANCE CORPORATION LTD. · Bond
CRISIL-AAA
1.73%
NCD REC LTD · Bond
CRISIL-AAA
1.73%
NCD ADITYA BIRLA HOUSING FINANCE LTD · Bond
ICRA-AAA
1.73%
NCD KOTAK MAHINDRA PRIME LTD.
CRISIL-AAA
1.73%
NCD BHARTI TELECOM LTD. · Bond
CRISIL-AAA
1.73%
NCD POWER FINANCE CORPORATION LTD. · Bond
CRISIL-AAA
1.72%
CP EXPORT IMPORT BANK OF INDIA · Commercial paper
CRISIL-A1+
1.70%
CD - INDIAN BANK - 22/01/2027 · Certificate of deposit
CRISIL-A1+
1.69%
CD - SMALL INDST. DEV. BANK OF INDIA - 04/02/2027 · Certificate of deposit
CARE-A1+
1.69%
CD - HDFC BANK LTD - 24/02/2027 · Certificate of deposit
CRISIL-A1+
1.68%
CD - HDFC BANK LTD - 15/02/2027 · Certificate of deposit
CARE-A1+
1.68%
CP L AND T FINANCE LIMITED · Commercial paper
CRISIL-A1+
1.67%
NCD BAJAJ HOUSING FINANCE LTD · Bond
CRISIL-AAA
1.38%
NCD TATA CAPITAL HOUSING FINANCE LTD · Bond
CRISIL-AAA
1.38%
NCD TOYOTA FINANCIAL SERVICES INDIA LTD · Bond
ICRA-AAA
1.38%
CD - KOTAK MAHINDRA BANK LTD - 29/01/2027
CRISIL-A1+
1.35%
NCD POWER FINANCE CORPORATION LTD. · Bond
CRISIL-AAA
1.04%
NCD NHPC LTD. · Bond
IND-AAA
1.03%
NCD ICICI BANK LTD · Bond
ICRA-AAA
1.03%
CD - CANARA BANK - 12/03/2027 · Certificate of deposit
CRISIL-A1+
1.01%
CP ICICI SECURITIES LTD. · Commercial paper
CRISIL-A1+
1.01%
CD - NABARD - 18/03/2027 · Certificate of deposit
CRISIL-A1+
1.00%
CD - HDFC BANK LTD - 05/03/2027 · Certificate of deposit
CARE-A1+
0.67%
GS - C STRIP MAT- 15/12/2027 STRIPS · Government security
SOV
0.45%
CORPORATE DEBT MARKET DEVT FUND - A2 UNITS
-
0.26%
UTI Banking & PSU Debt Fund Portfolio Overlap
Funds with the most similar portfolios, across every fund house and category
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 & PSU Debt Fund Overview
Fund facts from the scheme summary document, as on 16-10-2026
Expense ratio (Direct)
0.24%
Expense ratio (Regular)
0.47%
Category
Banking & PSU
Risk
Low to Moderate
Benchmark
NIFTY Banking & PSU Debt Index A-II
Launch date
03-02-2014
AUM
₹1,447.94 Cr (30-09-2026)
Lock in
None
Scheme code (Direct)
126940
ISIN (Direct)
INF789F015Z6
Scheme code (Regular)
126939
ISIN (Regular)
INF789F014Z9
NAV history
From 06-02-2014, 12.7 years
Minimum investment
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
Minimum additional investment
Regular Plan-Monthly Reinvestment of IDCW-Rs.500, Regular Plan-Monthly Payout of IDCW-Rs.500, Regular Plan-Half-yearly Reinvestment of IDCW-Rs.500, Regular Plan-Half-yearly Payout of IDCW-Rs.500, Regular Plan-Growth-Rs.500, Direct Plan-Growth-Rs.500, Regu
Exit load
Nil
Tax on UTI Banking & PSU Debt Fund returns
UTI Banking & PSU Debt Fund is taxed as a debt fund: 65% or more of it is in bonds and money market papers.
For units bought on or after 01-04-2023, the gain is added to your income and taxed at your slab rate, however long you hold the units.
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
₹24.1464
30-10-2026
direct
Annual IDCW
₹13.8276
30-10-2026
direct
Discontinued Flexi IDCW
₹20.8077
30-10-2026
direct
Half Yearly IDCW
₹16.0229
30-10-2026
direct
Monthly IDCW
₹13.7903
30-10-2026
direct
Discontinued Quarterly IDCW
₹17.9718
30-10-2026
regular
Growth
₹23.6629
30-10-2026
regular
Annual IDCW
₹13.5205
30-10-2026
regular
Discontinued Flexi IDCW
₹15.8686
30-10-2026
regular
Half Yearly IDCW
₹15.8021
30-10-2026
regular
Monthly IDCW
₹13.5043
30-10-2026
regular
Discontinued Quarterly IDCW
₹16.2387
30-10-2026
About UTI Banking & PSU Debt Fund
UTI Banking & PSU Debt Fund is a mutual fund from UTI Mutual Fund. Its category is Banking & PSU. It was launched on 03-02-2014. Its benchmark is NIFTY Banking & PSU Debt Index A-II. At the end of September 2026 it held 42 securities.
Frequently Asked Questions for UTI Banking & PSU Debt Fund
What is the current NAV of UTI Banking & PSU Debt Fund?
The Direct plan NAV is ₹24.1464. The Regular plan NAV is ₹23.6629, as on 30-10-2026.
What are the returns of UTI Banking & PSU Debt Fund?
The Direct plan returned +5.74% in 1 year, +7.47% a year over 3 years, +7.79% a year over 5 years. The Regular plan returned +5.47% in 1 year, +7.20% a year over 3 years, +7.51% a year over 5 years. These figures are as on 30-10-2026.
What is the expense ratio of UTI Banking & PSU Debt Fund?
The Direct plan charges 0.24% a year. The Regular plan charges 0.47% a year. This is the figure the fund house reported to AMFI, in force from 01-09-2026.
What is the AUM of UTI Banking & PSU Debt Fund?
UTI Banking & PSU Debt Fund managed ₹1,447.94 Cr on 30-09-2026, as its fund house reported in its monthly portfolio.
What are the top holdings of UTI Banking & PSU Debt Fund?
At the end of September 2026 the largest holdings were CD - CANARA BANK - 28/01/2027 (7.77%), CD - UNION BANK OF INDIA - 19/01/2027 (6.77%), CD - ICICI BANK LTD - 25/03/2027 (5.02%), NCD NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT (3.80%), NCD AXIS BANK LTD. (3.80%). The fund held 42 securities in all.
How do I invest in UTI Banking & PSU Debt 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-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. You can invest once or through a monthly SIP.
Who is the fund manager of UTI Banking & PSU Debt Fund?
Anurag Mittal FM 1, Not Applicable FM 2, Not Applicable FM 3, Not Applicable FM 4.
What is the exit load of UTI Banking & PSU Debt Fund?
Nil
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.
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