Previously Known As : Uti Banking & Psu Debt Fund
Uti Banking & Psu Fund Datagrid
Category Banking and PSU Fund
BMSMONEY Rank 1
Rating
Growth Option 12-06-2026
NAV ₹23.11(R) +0.03% ₹23.56(D) +0.03%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 5.25% 6.88% 7.21% 7.13% 6.51%
Direct 5.51% 7.16% 7.49% 7.34% 6.69%
Benchmark
SIP (XIRR) Regular 5.19% 5.03% 6.57% 6.8% 6.26%
Direct 5.46% 5.29% 6.85% 7.05% 6.47%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
1.27 0.79 0.71 0.43% -0.77
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
0.98% 0.0% 0.0% 0.61 0.64%
Fund AUM As on: 30/12/2025 830 Cr
Top Banking and PSU Fund
Fund Name Rank Rating
UTI Banking & PSU Fund 1
Franklin India Banking & Psu Debt Fund 2
Kotak Banking And Psu Debt Fund 3
ICICI Prudential Banking & PSU Debt Fund 4

NAV Date: 12-06-2026

Scheme Name NAV Rupee Change Percent Change
UTI Banking & PSU Fund - Regular Plan - Annual IDCW 13.2
0.0000
0.0300%
UTI Banking & PSU Fund - Regular Plan - Monthly IDCW 13.34
0.0000
0.0300%
UTI Banking & PSU Fund - Direct Plan - Annual IDCW 13.49
0.0000
0.0300%
UTI Banking & PSU Fund - Direct Plan - Monthly IDCW 13.6
0.0000
0.0300%
UTI Banking & PSU Fund - Regular Plan - Half-Yearly IDCW 15.43
0.0000
0.0300%
UTI Banking & PSU Fund - Regular Plan - Flexi IDCW 15.5
0.0000
0.0300%
UTI Banking & PSU Fund - Direct Plan - Half-Yearly IDCW 15.63
0.0000
0.0300%
UTI Banking & PSU Fund - Regular Plan - Quarterly IDCW 15.86
0.0000
0.0300%
UTI Banking & PSU Fund - Direct Plan - Quarterly IDCW 17.54
0.0000
0.0300%
UTI Banking & PSU Fund - Direct Plan - Flexi IDCW 20.3
0.0100
0.0300%
UTI Banking & PSU Fund- Regular Plan - Growth Option 23.11
0.0100
0.0300%
UTI Banking & PSU Fund - Direct Plan - Growth Option 23.56
0.0100
0.0300%

Review Date: 12-06-2026

Beginning of Analysis

UTI Banking & PSU Fund is the top ranked fund in the Banking and PSU Debt Fund category. The category has total 20 funds. The 5 star rating shows an excellent past performance of the UTI Banking & PSU Fund in Banking and PSU Debt Fund. The fund has a Jensen Alpha of 0.43% which is higher than the category average of -0.27%. Here the fund has shown very good performance in terms of risk adjusted returns. The fund has a Sharpe Ratio of 1.27 which is higher than the category average of 0.78.
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 PSU Debt Mutual Funds are a category of debt mutual funds that invest primarily in debt instruments issued by banks, public sector undertakings (PSUs), and public financial institutions. These funds must allocate a minimum of 80% of their total assets in debt securities issued by these entities. Banking and PSU Debt Mutual Funds are ideal for conservative investors seeking stable returns with relatively lower risk. However, they may not be suitable for those looking for higher returns or willing to take on more risk. Investors should also consider their investment horizon and tax implications before investing in these funds.

UTI Banking & PSU Fund Return Analysis

  • The fund has given a return of 0.52%, 1.49 and 2.65 in last one, three and six months respectively. In the same period the category average return was 0.92%, 1.4% and 2.33% respectively.
  • UTI Banking & PSU Fund has given a return of 5.51% in last one year. In the same period the Banking and PSU Debt Fund category average return was 4.88%.
  • The fund has given a return of 7.16% in last three years and ranked 8.0th out of nineteen funds in the category. In the same period the Banking and PSU Debt Fund category average return was 7.13%.
  • The fund has given a return of 7.49% in last five years and ranked 1st out of seventeen funds in the category. In the same period the Banking and PSU Debt Fund category average return was 6.23%.
  • The fund has given a return of 6.69% in last ten years and ranked 13th out of fourteen funds in the category. In the same period the category average return was 7.22%.
  • The fund has given a SIP return of 5.46% in last one year whereas category average SIP return is 5.03%. The fund one year return rank in the category is 5th in 20 funds
  • The fund has SIP return of 5.29% in last three years and ranks 4th in 19 funds. Franklin India Banking & Psu Debt Fund has given the highest SIP return (5.44%) in the category in last three years.
  • The fund has SIP return of 6.85% in last five years whereas category average SIP return is 6.25%.

UTI Banking & PSU Fund Risk Analysis

  • The fund has a standard deviation of 0.98 and semi deviation of 0.64. The category average standard deviation is 1.29 and semi deviation is 0.93.
  • The fund has a Value at Risk (VaR) of 0.0 and a maximum drawdown of 0.0. The category average VaR is -0.33 and the maximum drawdown is -0.38. 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 PSU Debt Fund Category
  • Good Performance in Banking and PSU Debt Fund Category
  • Poor Performance in Banking and PSU Debt Fund Category
  • Very Poor Performance in Banking and PSU Debt 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 % 0.50
    0.89
    		0.49 | 1.13 19 | 20 Poor
    3M Return % 1.43
    1.31
    		1.02 | 1.75 5 | 20 Very Good
    6M Return % 2.52
    2.16
    		1.72 | 2.73 3 | 20 Very Good
    1Y Return % 5.25
    4.51
    		3.78 | 5.49 2 | 20 Very Good
    3Y Return % 6.88
    6.76
    		6.35 | 7.10 5 | 19 Very Good
    5Y Return % 7.21
    5.85
    		5.18 | 7.21 1 | 17 Very Good
    7Y Return % 7.13
    6.64
    		6.04 | 7.14 2 | 15 Very Good
    10Y Return % 6.51
    6.86
    		6.34 | 7.22 12 | 14 Average
    1Y SIP Return % 5.19
    4.66
    		3.90 | 5.52 4 | 20 Very Good
    3Y SIP Return % 5.03
    4.70
    		4.28 | 5.10 3 | 19 Very Good
    5Y SIP Return % 6.57
    5.87
    		5.48 | 6.57 1 | 17 Very Good
    7Y SIP Return % 6.80
    6.03
    		5.61 | 6.80 1 | 15 Very Good
    10Y SIP Return % 6.26
    6.22
    		5.79 | 6.52 9 | 14 Average
    Standard Deviation 0.98
    1.29
    		0.90 | 1.83 2 | 19 Very Good
    Semi Deviation 0.64
    0.93
    		0.61 | 1.35 2 | 19 Very Good
    Max Drawdown % 0.00
    -0.38
    		-0.91 | 0.00 2 | 19 Very Good
    VaR 1 Y % 0.00
    -0.33
    		-1.21 | 0.00 5 | 19 Very Good
    Average Drawdown % 0.00
    -0.17
    		-0.38 | 0.00 2 | 19 Very Good
    Sharpe Ratio 1.27
    0.78
    		0.45 | 1.28 2 | 19 Very Good
    Sterling Ratio 0.71
    0.66
    		0.61 | 0.71 1 | 19 Very Good
    Sortino Ratio 0.79
    0.38
    		0.19 | 0.79 1 | 19 Very Good
    Jensen Alpha % 0.43
    -0.27
    		-0.90 | 0.43 1 | 19 Very Good
    Treynor Ratio -0.77
    -0.57
    		-0.86 | -0.41 18 | 19 Poor
    Modigliani Square Measure % 7.55
    6.85
    		6.38 | 7.56 2 | 19 Very Good
    Alpha % -0.25
    -0.70
    		-1.19 | -0.25 2 | 19 Very Good
    Return data last Updated On : June 12, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : March 30, 2026
    KPIs: Key Performance Indicators

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    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % 0.52 0.92 0.52 | 1.16 20 | 20 Poor
    3M Return % 1.49 1.40 1.13 | 1.83 5 | 20 Very Good
    6M Return % 2.65 2.33 1.88 | 2.88 3 | 20 Very Good
    1Y Return % 5.51 4.88 4.06 | 5.82 2 | 20 Very Good
    3Y Return % 7.16 7.13 6.68 | 7.48 8 | 19 Good
    5Y Return % 7.49 6.23 5.58 | 7.49 1 | 17 Very Good
    7Y Return % 7.34 7.01 6.33 | 7.49 2 | 15 Very Good
    10Y Return % 6.69 7.22 6.55 | 7.63 13 | 14 Poor
    1Y SIP Return % 5.46 5.03 4.20 | 5.84 5 | 20 Very Good
    3Y SIP Return % 5.29 5.07 4.61 | 5.44 4 | 19 Very Good
    5Y SIP Return % 6.85 6.25 5.96 | 6.85 1 | 17 Very Good
    7Y SIP Return % 7.05 6.40 6.00 | 7.05 1 | 15 Very Good
    10Y SIP Return % 6.47 6.59 6.09 | 6.93 11 | 14 Average
    Standard Deviation 0.98 1.29 0.90 | 1.83 2 | 19 Very Good
    Semi Deviation 0.64 0.93 0.61 | 1.35 2 | 19 Very Good
    Max Drawdown % 0.00 -0.38 -0.91 | 0.00 2 | 19 Very Good
    VaR 1 Y % 0.00 -0.33 -1.21 | 0.00 5 | 19 Very Good
    Average Drawdown % 0.00 -0.17 -0.38 | 0.00 2 | 19 Very Good
    Sharpe Ratio 1.27 0.78 0.45 | 1.28 2 | 19 Very Good
    Sterling Ratio 0.71 0.66 0.61 | 0.71 1 | 19 Very Good
    Sortino Ratio 0.79 0.38 0.19 | 0.79 1 | 19 Very Good
    Jensen Alpha % 0.43 -0.27 -0.90 | 0.43 1 | 19 Very Good
    Treynor Ratio -0.77 -0.57 -0.86 | -0.41 18 | 19 Poor
    Modigliani Square Measure % 7.55 6.85 6.38 | 7.56 2 | 19 Very Good
    Alpha % -0.25 -0.70 -1.19 | -0.25 2 | 19 Very Good
    Return data last Updated On : June 12, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : March 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 & Psu Fund NAV Regular Growth Uti Banking & Psu Fund NAV Direct Growth
    12-06-2026 23.1098 23.5604
    11-06-2026 23.1037 23.5539
    10-06-2026 23.1121 23.5624
    09-06-2026 23.1039 23.5539
    08-06-2026 23.0787 23.528
    05-06-2026 23.0506 23.4989
    04-06-2026 23.0205 23.4681
    03-06-2026 23.0145 23.4617
    02-06-2026 23.0119 23.459
    01-06-2026 23.0051 23.4519
    29-05-2026 22.986 23.4319
    27-05-2026 22.9694 23.4147
    26-05-2026 22.9607 23.4056
    25-05-2026 22.961 23.4058
    22-05-2026 22.9452 23.3893
    21-05-2026 22.9409 23.3847
    20-05-2026 22.9648 23.4089
    19-05-2026 22.9746 23.4188
    18-05-2026 22.9679 23.4117
    15-05-2026 22.9785 23.4221
    14-05-2026 22.9849 23.4285
    13-05-2026 22.9916 23.4351
    12-05-2026 22.9944 23.4378

    Fund Launch Date: 27/Jan/2014
    Fund Category: Banking and PSU Fund
    Investment Objective: The investment objective of the scheme is to generate reasonable income, with low risk and high level of liquidity from a portfolio of predominantly debt & money market securities by Banks, Public Sector Undertakings (PSUs), Public Financial Institutions (PFIs) and Municipal Bonds.However there can be no assurance that the investment objective of the Scheme will be achieved. The Scheme does not guarantee / indicate any returns.
    Fund Description: An open ended debt scheme predominantly investing in debt instruments of Banks, Public Sector Undertakings,Public Financial Institutions and Municipal Bonds.
    Fund Benchmark: CRISIL Bankingand PSU DebtIndex
    Source: Fund FactSheet

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