UTI Nifty Private Bank Index Fund is a mutual fund run by UTI Mutual Fund. On 30-09-2026, it managed ₹226 Cr of investors' money. In the year to 30-10-2026, its Direct plan returned −4.3% and its Regular plan returned −4.7%. Its benchmark, Nifty Private Bank TRI, returned −3.7% over the same year.
NAV (Direct plan)
₹10.04
▲ 0.00% · 30-10-2026
NAV (Regular plan)
₹9.94
▲ 0.00% · 30-10-2026
Expense ratio
0.56%Direct1.04%Regular
0.56%
A year
Riskometer
Very High
Set by the fund house
1 year return
−4.3%Direct−4.7%Regular
−4.3%
Total
UTI Nifty Private Bank Index Fund NAV Today
NAV on 30-10-2026: Direct Plan Growth ₹10.04 (up 0.00% that day); Regular Plan Growth ₹9.94 (up 0.00% that day).
This fund (Direct plan)
₹10.044
UTI Nifty Private Bank Index Fund Returns vs Nifty Private Bank 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)
+1.30%
−1.59%
+3.28%
−4.28%
--
--
--
This fund (Regular)
+1.26%
−1.70%
+3.04%
−4.70%
--
--
--
Nifty Private Bank TRI
+1.34%
−1.45%
+3.56%
−3.70%
+7.28%
+6.74%
+10.05%
Category average
--
--
--
--
--
--
--
Best in category
--
--
--
--
--
--
--
Worst in category
--
--
--
--
--
--
--
Rank in category
--
--
--
--
--
--
--
No category comparison is shown: this fund's category is too broad to compare, or has fewer than five funds.
UTI Nifty Private Bank Index Fund Year-wise Returns
Return of each calendar year
Year
Direct
Regular
Nifty Private Bank TRI
2026to date
−5.69%
−6.04%
−5.24%
2025
+15.87%
+15.27%
+16.55%
UTI Nifty Private Bank Index 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 1-year holding period, plotted on the day it ended. There are 269 periods, one for each trading day from 24-09-2025 to 30-10-2026.
−10%−5%0%5%10%15%20%25%
UTI Nifty Private Bank Index Fund (Direct)
Nifty Private Bank TRI
Oct 2024 to Oct 2025Jan 2025 to Jan 2026Mar 2025 to Mar 2026May 2025 to May 2026Jul 2025 to Jul 2026Sept 2025 to Sept 2026
UTI Nifty Private Bank Index Fund (Direct)Nifty Private Bank TRI
32%
28%
Below 0%
22%
25%
0-5%
12%
10%
5-10%
17%
15%
10-15%
17%
19%
15-20%
1%
2%
20-25%
0%
0%
Above 25%
Every holding period at a glance
Period
Periods
Median
Lowest
Highest
With a loss
Benchmark median
Beat benchmark
1 year
269
3.1%
−6.7%
21.1%
32%
3.7%
0%
2 years
23
2.8%
−0.9%
3.9%
17%
3.3%
0%
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 Private Bank TRI over the same days. Past returns do not promise future returns.
UTI Nifty Private Bank Index Fund Risk
How much it swings, and the falls an investor had to sit through
Risk and return
Measure
UTI Nifty Private Bank Index Fund (Direct)This fund
Nifty Private Bank TRI
Return (CAGR)
−4.28%
−3.70%
Standard deviation
16.80%
16.77%
Sharpe ratio
-0.57
-0.53
Sortino ratio
-0.80
-0.75
Maximum drawdown
−17.3%
(31-03-2026)
−17.3%
(30-03-2026)
Beta
1.00
1.00
Alpha
−0.58%
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 Nifty Private Bank Index Fund (Direct)This fund
Nifty Private Bank TRI
Return (CAGR)
−0.00%
+0.57%
Standard deviation
15.60%
15.62%
Sharpe ratio
-0.36
-0.33
Sortino ratio
-0.52
-0.47
Maximum drawdown
−17.3%
(31-03-2026)
−17.3%
(30-03-2026)
Beta
1.00
1.00
Alpha
−0.57%
0.00%
From daily NAVs, 24-09-2024 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: 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.
−20%−15%−10%−5%0%
UTI Nifty Private Bank Index Fund (Direct)
Nifty Private Bank TRI
20252026
UTI Nifty Private Bank Index Fund (Direct)Nifty Private Bank TRI
Worst fall
High before it
Bottom
Back at the high
Time to climb back
Below its high today
UTI Nifty Private Bank Index Fund (Direct)
−17.3%
18-02-2026
31-03-2026
Not yet
--
−7.1%
Nifty Private Bank TRI
−17.3%
18-02-2026
30-03-2026
Not yet
--
−6.8%
From the Direct plan's daily NAV since 24-09-2024, adjusted for unit splits, and Nifty Private Bank TRI over the same days. "Time to climb back" runs from the bottom to the first day back at the old high.
UTI Nifty Private Bank Index 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
Direct
0.41%
0.00%
0.00%
0.15%
0.56%
Regular
0.84%
0.00%
0.00%
0.20%
1.04%
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.
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
−4.70%
−4.28%
0.42%
₹95,300
₹95,720
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 Nifty Private Bank Index 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 24-09-2024 to 30-10-2026: 26 instalments, ₹2,60,000 in all.
Investment
Invested
Value now
Gain
Return a year
Direct planUTI Nifty Private Bank Index Fund (Direct)
₹2,60,000
₹2,63,839
₹3,839
1.3%
Regular planUTI Nifty Private Bank Index Fund (Regular)
₹2,60,000
₹2,62,441
₹2,441
0.8%
Nifty Private Bank TRI
₹2,60,000
₹2,65,349
₹5,349
1.8%
₹0₹1.0 L₹2.0 L₹3.0 L
Direct planUTI Nifty Private Bank Index Fund (Direct)
Regular planUTI Nifty Private Bank Index Fund (Regular)
Nifty Private Bank TRI
Amount invested
20252026
Direct planUTI Nifty Private Bank Index Fund (Direct)Regular planUTI Nifty Private Bank Index Fund (Regular)Nifty Private Bank TRIAmount invested
From each plan's published NAV (Growth option), the benchmark's TRI, 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 Nifty Private Bank Index Fund Asset Allocation
Asset allocation as on 30-09-2026
What the fund holds
100.0%Equity
Asset
Fund
Equity
100.0%
Market cap of stocks
Market cap
Fund
Large Cap
81.5%
Mid Cap
15.6%
Small Cap
2.9%
Share of the whole fund. 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 Nifty Private Bank Index Fund Sector Allocation
Sector allocation of the fund's stocks as on 30-09-2026
Largest sectors
Banks100.0%
Sector changes
Sector
July 2026
August 2026
September 2026
Change
Banks
99.6%
99.8%
100.0%
+0.4%
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 Nifty Private Bank Index Fund Portfolio Holdings
As on 30-09-2026 · 10 holdings · from the fund house's monthly portfolio
Holdings
Sector
Weight%
Holdings trend
1M change
EQ - ICICI BANK LTD
Banks
21.54%
+1.9%
EQ - HDFC BANK LIMITED
Banks
20.83%
+6.2%
EQ - KOTAK MAHINDRA BANK LTD.
Banks
19.84%
−8.6%
EQ - AXIS BANK LTD.
Banks
19.28%
+2.3%
EQ - FEDERAL BANK LTD.
Banks
5.36%
−3.2%
EQ - INDUSIND BANK
Banks
4.06%
−3.4%
EQ - IDFC FIRST BANK LTD
Banks
3.69%
−3.3%
EQ - YES BANK LTD.
Banks
2.51%
−3.4%
EQ - RBL BANK LTD
Banks
1.71%
−3.2%
EQ - BANDHAN BANK LTD.
Banks
1.20%
+4.4%
UTI Nifty Private Bank Index Fund Stocks Bought and Sold
All changes are between August 2026 and September 2026
More
Stocks bought and sold in September 2026
EQ - ICICI BANK LTD
↑Added
+1.9%
21.54%
EQ - HDFC BANK LIMITED
↑Added
+6.2%
20.83%
EQ - KOTAK MAHINDRA BANK LTD.
↓Reduced
−8.6%
19.84%
EQ - AXIS BANK LTD.
↑Added
+2.3%
19.28%
EQ - FEDERAL BANK LTD.
↓Reduced
−3.2%
5.36%
EQ - INDUSIND BANK
↓Reduced
−3.4%
4.06%
EQ - IDFC FIRST BANK LTD
↓Reduced
−3.3%
3.69%
EQ - YES BANK LTD.
↓Reduced
−3.4%
2.51%
EQ - RBL BANK LTD
↓Reduced
−3.2%
1.71%
EQ - BANDHAN BANK LTD.
↑Added
+4.4%
1.20%
No stocks in this group for September 2026.
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.
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 Nifty Private Bank Index Fund Overview
Fund facts from the scheme summary document, as on 16-10-2026
Expense ratio (Direct)
0.56%
Expense ratio (Regular)
1.04%
Category
Index
Risk
Very High
Benchmark
Nifty Private Bank TRI
Launch date
20-09-2024
Minimum investment
₹1,000
Minimum additional investment
₹1,000
AUM
₹226.20 Cr (30-09-2026)
Lock in
None
Scheme code (Direct)
152864
ISIN (Direct)
INF789F1AZJ5
Scheme code (Regular)
152865
ISIN (Regular)
INF789F1AZI7
NAV history
From 24-09-2024, 2.1 years
Exit load
Nil
Tax on UTI Nifty Private Bank Index Fund returns
UTI Nifty Private Bank Index 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
₹10.044
30-10-2026
regular
Growth
₹9.938
30-10-2026
About UTI Nifty Private Bank Index Fund
UTI Nifty Private Bank Index Fund is a mutual fund from UTI Mutual Fund. Its category is Index. It was launched on 20-09-2024. Its benchmark is Nifty Private Bank TRI. At the end of September 2026 it held 10 securities.
Fund Manager
Sharwan Kumar Goyal FM 1
Fund manager of UTI Nifty Private Bank Index Fund, since 19-09-2024
Ayush Jain FM 2
Fund manager of UTI Nifty Private Bank Index Fund, since 19-09-2024
Lokesh Kulthia FM 3
Fund manager of UTI Nifty Private Bank Index Fund, since 19-06-2026
Frequently Asked Questions for UTI Nifty Private Bank Index Fund
What is the current NAV of UTI Nifty Private Bank Index Fund?
The Direct plan NAV is ₹10.044. The Regular plan NAV is ₹9.938, as on 30-10-2026.
What are the returns of UTI Nifty Private Bank Index Fund?
The Direct plan returned −4.28% in 1 year. The Regular plan returned −4.70% in 1 year. These figures are as on 30-10-2026.
What is the expense ratio of UTI Nifty Private Bank Index Fund?
The Direct plan charges 0.56% a year. The Regular plan charges 1.04% a year. This is the figure the fund house reported to AMFI, in force from 01-09-2026.
What is the AUM of UTI Nifty Private Bank Index Fund?
UTI Nifty Private Bank Index Fund managed ₹226.20 Cr on 30-09-2026, as its fund house reported in its monthly portfolio.
What are the top holdings of UTI Nifty Private Bank Index Fund?
At the end of September 2026 the largest holdings were ICICIBANK (21.54%), HDFCBANK (20.83%), KOTAKBANK (19.84%), AXISBANK (19.28%), FEDERALBNK (5.36%). The fund held 10 securities in all.
What did UTI Nifty Private Bank Index Fund buy and sell in September 2026?
It added shares in 4. It reduced 6.
How do I invest in UTI Nifty Private Bank Index 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 ₹1,000. You can invest once or through a monthly SIP.
Who is the fund manager of UTI Nifty Private Bank Index Fund?
Sharwan Kumar Goyal FM 1 (since 19-09-2024), Ayush Jain FM 2 (since 19-09-2024), Lokesh Kulthia FM 3 (since 19-06-2026).
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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