Uti Banking And Financial Services Fund Datagrid
Category Banking and Financial Fund
BMSMONEY Rank 8
Rating
Growth Option 28-10-2026
NAV ₹182.67(R) +0.47% ₹210.89(D) +0.48%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular -7.39% 10.53% 8.08% 9.97% 8.92%
Direct -6.45% 11.67% 9.25% 11.13% 10.08%
Benchmark
SIP (XIRR) Regular -9.31% 2.94% 7.65% 10.64% 9.4%
Direct -8.4% 4.03% 8.83% 11.87% 10.56%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
0.41 0.2 0.5 3.05% 0.07
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
15.71% -10.87% -15.1% 0.93 11.63%
Fund AUM As on: 30/12/2025 1359 Cr
Top Banking and Financial Fund
Fund Name Rank Rating
quant Bfsi Fund 1
Invesco India Financial Services Fund 2
SBI Banking & Financial Services Fund 3
Mirae Asset Banking and Financial Services Fund 4

NAV Date: 28-10-2026

Scheme Name NAV Rupee Change Percent Change
UTI Banking and Financial Services Fund - Regular Plan - IDCW 71.09
0.3400
0.4700%
UTI Banking and Financial Services Fund - Direct Plan - IDCW 82.54
0.3900
0.4800%
UTI Banking and Financial Services Fund - Regular Plan - Growth Option 182.67
0.8600
0.4700%
UTI Banking and Financial Services Fund - Direct Plan - Growth Option 210.89
1.0000
0.4800%

Review Date: 28-10-2026

Beginning of Analysis

UTI Banking And Financial Services Fund is the 7th ranked fund in the Banking and Financial Services Fund category. The category has total 14 funds. The 3 star rating shows an average past performance of the UTI Banking And Financial Services Fund in Banking and Financial Services Fund. The fund has a Jensen Alpha of 3.05% which is lower than the category average of 3.46%, showing poor performance. The fund has a Sharpe Ratio of 0.41 which is lower than the category average of 0.43.
The past performance of the fund may or may not be sustained in the future. The review is not investment advice nor is it a recommendation to buy or sell funds. The ranking is based on proprietary methodology developed by bmsmoney. The methodology is based on the past performance of the funds and does not guarantee future performance.
Banking and Financial Services Mutual Funds are ideal for aggressive investors seeking high returns by investing in the banking and financial services sector. These funds offer targeted exposure to banks, NBFCs, insurance companies, and other financial institutions, allowing investors to capitalize on the growth potential of this sector. However, they carry higher risks due to their concentrated exposure and are heavily dependent on the performance of the BFSI sector and macroeconomic factors. Investors should have a long-term investment horizon, a high risk tolerance, and a good understanding of the banking and financial services sector before investing in these funds. Additionally, monitoring economic trends and regulatory changes is crucial for success.

UTI Banking And Financial Services Fund Return Analysis

The UTI Banking And Financial Services Fund has delivered a mixed performance across various time horizons, showcasing both strengths and challenges when compared to its Banking and Financial Services Fund peers and the Nifty Financial Services TRI benchmark. This analysis examines the fund’s returns over periods ranging from one month to ten years, alongside its Systematic Investment Plan (SIP) performance, highlighting its rankings within the Banking and Financial Services Fund category and its ability to outperform or underperform the benchmark and category averages.

  • The fund has given a return of -2.5%, -5.72 and -2.52 in last one, three and six months respectively. In the same period the category average return was -3.18%, -7.14% and -4.2% respectively.
  • UTI Banking And Financial Services Fund has given a return of -6.45% in last one year. In the same period the Nifty Financial Services TRI return was -3.58%. The fund has given 2.87% less return than the benchmark return.
  • The fund has given a return of 11.67% in last three years and rank 6th out of seventeen funds in the category. In the same period the Nifty Financial Services TRI return was 8.55%. The fund has given 3.12% more return than the benchmark return.
  • UTI Banking And Financial Services Fund has given a return of 9.25% in last five years and category average returns is 9.44% in same period. The fund ranked 9th out of thirteen funds in the category. In the same period the Nifty Financial Services TRI return was 8.02%. The fund has given 1.23% more return than the benchmark return.
  • The fund has given a return of 10.08% in last ten years and ranked 10th out of eleven funds in the category. In the same period the Nifty Financial Services TRI return was 12.92%. The fund has given 2.84% less return than the benchmark return.
  • The fund has given a SIP return of -8.4% in last one year whereas category average SIP return is -9.41%. The fund one year return rank in the category is 7th in 23 funds
  • The fund has SIP return of 4.03% in last three years and ranks 8th in 17 funds. quant Bfsi Fund has given the highest SIP return (8.76%) in the category in last three years.
  • The fund has SIP return of 8.83% in last five years whereas category average SIP return is 8.57%.

UTI Banking And Financial Services Fund Risk Analysis

  • The fund has a standard deviation of 15.71 and semi deviation of 11.63. The category average standard deviation is 15.84 and semi deviation is 11.7.
  • The fund has a Value at Risk (VaR) of -10.87 and a maximum drawdown of -15.1. The category average VaR is -14.29 and the maximum drawdown is -15.4. The fund has a beta of 0.91 which shows that fund is less volatile than the benchmark.

Standard deviation measures the fund's return volatility and Semi deviation focuses on downside volatility. Value at Risk (VaR) is a measure of the risk of investments. Maximum Drawdown is the maximum loss from a peak to a trough of a portfolio. Beta measures the volatility of the fund compared to the benchmark. A beta of 1 indicates that the fund will move in line with the benchmark. A beta of more than 1 indicates that the fund will be more volatile than the benchmark and vice versa.


  • Very Good Performance in Banking and Financial Services Fund Category
  • Good Performance in Banking and Financial Services Fund Category
  • Poor Performance in Banking and Financial Services Fund Category
  • Very Poor Performance in Banking and Financial Services Fund Category

    • Investors beware: Mutual Fund investments are subject to market risks. Please read the scheme related documents carefully.

    Data Source: www.amfiindia.com

    SEBI Categorization


    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % -2.57 -1.02
    -3.28
    		-8.08 | -1.07 7 | 26 Very Good
    3M Return % -5.95 -5.98
    -7.45
    		-10.62 | -4.77 3 | 26 Very Good
    6M Return % -3.00 -5.11
    -4.84
    		-8.86 | -1.86 2 | 26 Very Good
    1Y Return % -7.39 -10.26
    -7.52
    		-12.98 | -1.11 11 | 23 Good
    3Y Return % 10.53 9.32
    9.77
    		3.82 | 16.41 6 | 17 Good
    5Y Return % 8.08 6.15
    8.17
    		5.56 | 10.84 7 | 13 Good
    7Y Return % 9.97 9.87
    10.55
    		7.72 | 12.73 7 | 11 Average
    10Y Return % 8.92 12.57
    10.66
    		6.33 | 13.20 10 | 11 Poor
    15Y Return % 10.98 13.72
    13.06
    		10.98 | 14.41 5 | 5 Average
    1Y SIP Return % -9.31
    -10.62
    		-17.58 | -6.81 6 | 23 Very Good
    3Y SIP Return % 2.94
    2.18
    		-2.21 | 7.01 5 | 17 Very Good
    5Y SIP Return % 7.65
    7.26
    		3.24 | 11.06 7 | 13 Good
    7Y SIP Return % 10.64
    10.42
    		6.95 | 13.33 5 | 11 Good
    10Y SIP Return % 9.40
    10.32
    		6.87 | 12.87 9 | 11 Average
    15Y SIP Return % 10.27
    12.26
    		10.27 | 13.84 5 | 5 Average
    Standard Deviation 15.71
    15.84
    		14.48 | 18.56 6 | 16 Good
    Semi Deviation 11.63
    11.71
    		10.75 | 14.29 10 | 16 Average
    Max Drawdown % -15.10
    -15.40
    		-21.45 | -13.19 7 | 16 Good
    VaR 1 Y % -10.87
    -14.29
    		-31.85 | -10.85 2 | 16 Very Good
    Average Drawdown % 5.64
    5.79
    		4.36 | 10.13 6 | 16 Good
    Sharpe Ratio 0.41
    0.43
    		0.10 | 0.99 8 | 16 Good
    Sterling Ratio 0.50
    0.51
    		0.30 | 0.80 8 | 16 Good
    Sortino Ratio 0.20
    0.21
    		0.08 | 0.46 8 | 16 Good
    Jensen Alpha % 3.05
    3.46
    		-2.29 | 18.15 7 | 16 Good
    Treynor Ratio 0.07
    0.08
    		0.02 | 0.26 7 | 16 Good
    Modigliani Square Measure % 6.34
    6.71
    		1.56 | 15.43 8 | 16 Good
    Alpha % 2.77
    3.60
    		-2.70 | 18.41 10 | 16 Average
    Return data last Updated On : Oct. 28, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : June 30, 2026
    KPIs: Key Performance Indicators

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    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % -2.50 -1.02 -3.18 -7.96 | -0.96 7 | 26 Very Good
    3M Return % -5.72 -5.98 -7.14 -10.34 | -4.60 3 | 26 Very Good
    6M Return % -2.52 -5.11 -4.20 -8.32 | -1.09 3 | 26 Very Good
    1Y Return % -6.45 -10.26 -6.27 -11.89 | 0.45 13 | 23 Average
    3Y Return % 11.67 9.32 11.16 5.30 | 18.28 6 | 17 Good
    5Y Return % 9.25 6.15 9.44 6.95 | 12.31 9 | 13 Average
    7Y Return % 11.13 9.87 11.77 9.11 | 14.19 7 | 11 Average
    10Y Return % 10.08 12.57 11.90 7.72 | 14.81 10 | 11 Poor
    1Y SIP Return % -8.40 -9.41 -16.54 | -5.03 7 | 23 Good
    3Y SIP Return % 4.03 3.51 -0.84 | 8.76 8 | 17 Good
    5Y SIP Return % 8.83 8.57 4.74 | 12.59 7 | 13 Good
    7Y SIP Return % 11.87 11.73 8.48 | 14.90 5 | 11 Good
    10Y SIP Return % 10.56 11.58 8.30 | 14.40 8 | 11 Average
    Standard Deviation 15.71 15.84 14.48 | 18.56 6 | 16 Good
    Semi Deviation 11.63 11.71 10.75 | 14.29 10 | 16 Average
    Max Drawdown % -15.10 -15.40 -21.45 | -13.19 7 | 16 Good
    VaR 1 Y % -10.87 -14.29 -31.85 | -10.85 2 | 16 Very Good
    Average Drawdown % 5.64 5.79 4.36 | 10.13 6 | 16 Good
    Sharpe Ratio 0.41 0.43 0.10 | 0.99 8 | 16 Good
    Sterling Ratio 0.50 0.51 0.30 | 0.80 8 | 16 Good
    Sortino Ratio 0.20 0.21 0.08 | 0.46 8 | 16 Good
    Jensen Alpha % 3.05 3.46 -2.29 | 18.15 7 | 16 Good
    Treynor Ratio 0.07 0.08 0.02 | 0.26 7 | 16 Good
    Modigliani Square Measure % 6.34 6.71 1.56 | 15.43 8 | 16 Good
    Alpha % 2.77 3.60 -2.70 | 18.41 10 | 16 Average
    Return data last Updated On : Oct. 28, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : June 30, 2026
    KPIs: Key Performance Indicators

    Disclaimer: Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments. Returns for periods above 1 year are annualised.


    Date Uti Banking And Financial Services Fund NAV Regular Growth Uti Banking And Financial Services Fund NAV Direct Growth
    28-10-2026 182.6658 210.8945
    27-10-2026 181.8048 209.8951
    26-10-2026 182.7176 210.9436
    23-10-2026 182.828 211.0551
    22-10-2026 185.2985 213.9015
    21-10-2026 185.6799 214.3364
    19-10-2026 188.1896 217.2224
    16-10-2026 191.0644 220.524
    15-10-2026 190.9917 220.4344
    14-10-2026 188.7023 217.7866
    13-10-2026 190.4942 219.8491
    12-10-2026 187.6787 216.5942
    09-10-2026 188.3133 217.3101
    08-10-2026 186.0783 214.7255
    07-10-2026 188.7244 217.7734
    06-10-2026 189.1166 218.2204
    05-10-2026 187.3964 216.2301
    01-10-2026 187.0682 215.8294
    30-09-2026 187.7422 216.6016
    29-09-2026 187.2923 216.077
    28-09-2026 187.49 216.2996

    Fund Launch Date: 02/Jan/2003
    Fund Category: Banking and Financial Fund
    Investment Objective: The objective of the scheme is to generate long term capital appreciation by investing predominantly in equity and equity related securities of companies/ institutions engaged in the banking and financial services activities. However, there can be no assurance or guarantee that the investment objective of the scheme would be achieved.
    Fund Description: An open ended equity scheme investing in Banking and Financial Services Sector
    Fund Benchmark: Nifty Financial Services
    Source: Fund FactSheet

    Disclaimer: NO INVESTMENT ADVICE. The Content is for informational purposes only.