Previously Known As : Uti Banking & Psu Debt Fund
Uti Banking & Psu Fund Datagrid
Category Banking and PSU Fund
BMSMONEY Rank 3
Rating
Growth Option 29-07-2026
NAV ₹23.35(R) +0.01% ₹23.81(D) +0.01%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 5.54% 7.1% 7.38% 6.95% 6.4%
Direct 5.81% 7.37% 7.65% 7.16% 6.57%
Benchmark
SIP (XIRR) Regular 5.97% 3.06% 5.97% 6.54% 5.78%
Direct 6.23% 3.31% 6.25% 6.8% 6.0%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
1.26 0.81 0.71 0.17% 0.03
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
0.98% 0.0% 0.0% 0.55 0.63%
Fund AUM As on: 30/12/2025 830 Cr
Top Banking and PSU Fund
Fund Name Rank Rating
Franklin India Banking & Psu Debt Fund 1
ICICI Prudential Banking & PSU Debt Fund 2
UTI Banking & PSU Fund 3
Kotak Banking And Psu Debt Fund 4

NAV Date: 29-07-2026

Scheme Name NAV Rupee Change Percent Change
UTI Banking & PSU Fund - Regular Plan - Annual IDCW 13.34
0.0000
0.0100%
UTI Banking & PSU Fund - Regular Plan - Monthly IDCW 13.42
0.0000
0.0100%
UTI Banking & PSU Fund - Direct Plan - Annual IDCW 13.64
0.0000
0.0100%
UTI Banking & PSU Fund - Direct Plan - Monthly IDCW 13.7
0.0000
0.0100%
UTI Banking & PSU Fund - Regular Plan - Half-Yearly IDCW 15.59
0.0000
0.0100%
UTI Banking & PSU Fund - Regular Plan - Flexi IDCW 15.66
0.0000
0.0100%
UTI Banking & PSU Fund - Direct Plan - Half-Yearly IDCW 15.8
0.0000
0.0100%
UTI Banking & PSU Fund - Regular Plan - Quarterly IDCW 16.02
0.0000
0.0100%
UTI Banking & PSU Fund - Direct Plan - Quarterly IDCW 17.72
0.0000
0.0100%
UTI Banking & PSU Fund - Direct Plan - Flexi IDCW 20.52
0.0000
0.0100%
UTI Banking & PSU Fund- Regular Plan - Growth Option 23.35
0.0000
0.0100%
UTI Banking & PSU Fund - Direct Plan - Growth Option 23.81
0.0000
0.0100%

Review Date: 29-07-2026

Beginning of Analysis

In the Banking and PSU Debt Fund category, UTI Banking & PSU Fund is the top ranked fund. 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 0.17% which is higher than the category average of -0.45%. Here the fund has shown very good performance in terms of risk adjusted returns. The fund has a Sharpe Ratio of 1.26 which is higher than the category average of 0.81.
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 0.49%, 1.75 and 3.34 in last one, three and six months respectively. In the same period the category average return was 0.38%, 2.15% and 3.3% respectively.
  • UTI Banking & PSU Fund has given a return of 5.81% in last one year. In the same period the Banking and PSU Debt Fund category average return was 5.31%.
  • The fund has given a return of 7.37% in last three years and ranked 7.0th out of nineteen funds in the category. In the same period the Banking and PSU Debt Fund category average return was 7.28%.
  • The fund has given a return of 7.65% 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 6.4%.
  • The fund has given a return of 6.57% in last ten years and ranked 13th out of fourteen funds in the category. In the same period the category average return was 7.16%.
  • The fund has given a SIP return of 6.23% in last one year whereas category average SIP return is 6.09%. The fund one year return rank in the category is 8th in 20 funds
  • The fund has SIP return of 3.31% in last three years and ranks 4th in 19 funds. Franklin India Banking & Psu Debt Fund has given the highest SIP return (3.6%) in the category in last three years.
  • The fund has SIP return of 6.25% in last five years whereas category average SIP return is 5.69%.

UTI Banking & PSU Fund Risk Analysis

  • The fund has a standard deviation of 0.98 and semi deviation of 0.63. The category average standard deviation is 1.46 and semi deviation is 0.96.
  • 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 -0.36. 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 % 0.47
    0.35
    		0.24 | 0.67 2 | 20 Very Good
    3M Return % 1.69
    2.06
    		1.47 | 2.34 19 | 20 Poor
    6M Return % 3.22
    3.12
    		2.66 | 3.64 7 | 20 Good
    1Y Return % 5.54
    4.94
    		4.23 | 5.99 2 | 20 Very Good
    3Y Return % 7.10
    6.91
    		6.52 | 7.25 4 | 19 Very Good
    5Y Return % 7.38
    6.02
    		5.56 | 7.38 1 | 17 Very Good
    7Y Return % 6.95
    6.53
    		6.00 | 6.95 1 | 15 Very Good
    10Y Return % 6.40
    6.79
    		6.34 | 7.14 13 | 14 Poor
    1Y SIP Return % 5.97
    5.72
    		4.88 | 6.54 5 | 20 Very Good
    3Y SIP Return % 3.06
    2.76
    		2.31 | 3.27 3 | 19 Very Good
    5Y SIP Return % 5.97
    5.31
    		4.88 | 5.97 1 | 17 Very Good
    7Y SIP Return % 6.54
    5.77
    		5.38 | 6.54 1 | 15 Very Good
    10Y SIP Return % 5.78
    5.71
    		5.30 | 5.99 7 | 14 Good
    Standard Deviation 0.98
    1.46
    		0.98 | 2.08 1 | 19 Very Good
    Semi Deviation 0.63
    0.96
    		0.63 | 1.41 1 | 19 Very Good
    Max Drawdown % 0.00
    -0.36
    		-0.89 | 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
    		0.00 | 0.38 19 | 19 Poor
    Sharpe Ratio 1.26
    0.81
    		0.53 | 1.29 2 | 19 Very Good
    Sterling Ratio 0.71
    0.67
    		0.63 | 0.71 3 | 19 Very Good
    Sortino Ratio 0.81
    0.44
    		0.26 | 0.81 1 | 19 Very Good
    Jensen Alpha % 0.17
    -0.45
    		-1.09 | 0.42 2 | 19 Very Good
    Treynor Ratio 0.03
    0.02
    		0.01 | 0.03 2 | 19 Very Good
    Modigliani Square Measure % 1.83
    1.18
    		0.77 | 1.88 2 | 19 Very Good
    Alpha % -0.70
    -0.75
    		-1.08 | -0.29 8 | 19 Good
    Return data last Updated On : July 29, 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 % 0.49 0.38 0.26 | 0.69 3 | 20 Very Good
    3M Return % 1.75 2.15 1.60 | 2.44 19 | 20 Poor
    6M Return % 3.34 3.30 2.87 | 3.79 10 | 20 Good
    1Y Return % 5.81 5.31 4.54 | 6.30 2 | 20 Very Good
    3Y Return % 7.37 7.28 6.85 | 7.60 7 | 19 Good
    5Y Return % 7.65 6.40 5.96 | 7.65 1 | 17 Very Good
    7Y Return % 7.16 6.90 6.27 | 7.17 3 | 15 Very Good
    10Y Return % 6.57 7.16 6.54 | 7.55 13 | 14 Poor
    1Y SIP Return % 6.23 6.09 5.19 | 6.85 8 | 20 Good
    3Y SIP Return % 3.31 3.12 2.70 | 3.60 4 | 19 Very Good
    5Y SIP Return % 6.25 5.69 5.37 | 6.25 1 | 17 Very Good
    7Y SIP Return % 6.80 6.14 5.73 | 6.80 1 | 15 Very Good
    10Y SIP Return % 6.00 6.07 5.57 | 6.40 10 | 14 Average
    Standard Deviation 0.98 1.46 0.98 | 2.08 1 | 19 Very Good
    Semi Deviation 0.63 0.96 0.63 | 1.41 1 | 19 Very Good
    Max Drawdown % 0.00 -0.36 -0.89 | 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 0.00 | 0.38 19 | 19 Poor
    Sharpe Ratio 1.26 0.81 0.53 | 1.29 2 | 19 Very Good
    Sterling Ratio 0.71 0.67 0.63 | 0.71 3 | 19 Very Good
    Sortino Ratio 0.81 0.44 0.26 | 0.81 1 | 19 Very Good
    Jensen Alpha % 0.17 -0.45 -1.09 | 0.42 2 | 19 Very Good
    Treynor Ratio 0.03 0.02 0.01 | 0.03 2 | 19 Very Good
    Modigliani Square Measure % 1.83 1.18 0.77 | 1.88 2 | 19 Very Good
    Alpha % -0.70 -0.75 -1.08 | -0.29 8 | 19 Good
    Return data last Updated On : July 29, 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 & Psu Fund NAV Regular Growth Uti Banking & Psu Fund NAV Direct Growth
    29-07-2026 23.3489 23.8115
    28-07-2026 23.3476 23.8101
    27-07-2026 23.3422 23.8044
    24-07-2026 23.3227 23.784
    23-07-2026 23.3156 23.7766
    22-07-2026 23.3107 23.7715
    21-07-2026 23.3116 23.7723
    20-07-2026 23.3003 23.7605
    17-07-2026 23.2971 23.7568
    16-07-2026 23.2858 23.7452
    15-07-2026 23.2744 23.7334
    14-07-2026 23.271 23.7298
    13-07-2026 23.2843 23.7432
    10-07-2026 23.2786 23.7368
    09-07-2026 23.2731 23.7311
    08-07-2026 23.261 23.7186
    07-07-2026 23.2763 23.734
    06-07-2026 23.2867 23.7444
    03-07-2026 23.2812 23.7383
    02-07-2026 23.2799 23.7369
    01-07-2026 23.2643 23.7209
    30-06-2026 23.2516 23.7077
    29-06-2026 23.2408 23.6965

    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.