Previously Known As : Uti Banking & Psu Debt Fund
Uti Banking & Psu Fund Datagrid
Category Banking and PSU Fund
BMSMONEY Rank 3
Rating
Growth Option 27-01-2026
NAV ₹22.63(R) +0.07% ₹23.05(D) +0.07%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 7.32% 7.22% 7.05% 6.37% 6.65%
Direct 7.56% 7.51% 7.31% 6.57% 6.81%
Benchmark
SIP (XIRR) Regular 5.8% 7.14% 7.37% 6.75% 6.47%
Direct 6.06% 7.41% 7.64% 6.99% 6.68%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
1.56 1.09 0.74 1.67% 0.02
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
1.02% 0.0% 0.0% 0.71 0.66%
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
Sundaram Banking & PSU Fund 5

NAV Date: 27-01-2026

Scheme Name NAV Rupee Change Percent Change
UTI Banking & PSU Fund - Regular Plan - Monthly IDCW 13.3
0.0100
0.0700%
UTI Banking & PSU Fund - Regular Plan - Annual IDCW 13.35
0.0100
0.0700%
UTI Banking & PSU Fund - Direct Plan - Monthly IDCW 13.55
0.0100
0.0700%
UTI Banking & PSU Fund - Direct Plan - Annual IDCW 13.62
0.0100
0.0700%
UTI Banking & PSU Fund - Regular Plan - Half-Yearly IDCW 15.11
0.0100
0.0700%
UTI Banking & PSU Fund - Regular Plan - Flexi IDCW 15.17
0.0100
0.0700%
UTI Banking & PSU Fund - Direct Plan - Half-Yearly IDCW 15.29
0.0100
0.0700%
UTI Banking & PSU Fund - Regular Plan - Quarterly IDCW 15.53
0.0100
0.0700%
UTI Banking & PSU Fund - Direct Plan - Quarterly IDCW 17.15
0.0100
0.0700%
UTI Banking & PSU Fund - Direct Plan - Flexi IDCW 19.86
0.0100
0.0700%
UTI Banking & PSU Fund- Regular Plan - Growth Option 22.63
0.0200
0.0700%
UTI Banking & PSU Fund - Direct Plan - Growth Option 23.05
0.0200
0.0700%

Review Date: 27-01-2026

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 1.67% which is higher than the category average of 0.77%. Here the fund has shown very good performance in terms of risk adjusted returns. The fund has a Sharpe Ratio of 1.56 which is higher than the category average of 1.34.
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 0.13%, 0.96 and 2.4 in last one, three and six months respectively. In the same period the category average return was -0.04%, 0.66% and 1.98% respectively.
  • UTI Banking & PSU Fund has given a return of 7.56% in last one year. In the same period the Banking and PSU Debt Fund category average return was 7.04%.
  • The fund has given a return of 7.51% in last three years and ranked 9.0th out of 20 funds in the category. In the same period the Banking and PSU Debt Fund category average return was 7.48%.
  • The fund has given a return of 7.31% in last five years and ranked 1st out of 17 funds in the category. In the same period the Banking and PSU Debt Fund category average return was 6.17%.
  • The fund has given a return of 6.81% in last ten years and ranked 12th out of 14 funds in the category. In the same period the category average return was 7.35%.
  • The fund has given a SIP return of 6.06% in last one year whereas category average SIP return is 5.28%. The fund one year return rank in the category is 2nd in 21 funds
  • The fund has SIP return of 7.41% in last three years and ranks 4th in 20 funds. Franklin India Banking & Psu Debt Fund has given the highest SIP return (7.59%) in the category in last three years.
  • The fund has SIP return of 7.64% in last five years whereas category average SIP return is 6.88%.

UTI Banking & PSU Fund Risk Analysis

  • The fund has a standard deviation of 1.02 and semi deviation of 0.66. The category average standard deviation is 1.14 and semi deviation is 0.77.
  • The fund has a Value at Risk (VaR) of 0.0 and a maximum drawdown of 0.0. The category average VaR is -0.05 and the maximum drawdown is -0.13. 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 % 0.11
    -0.07
    		-0.26 | 0.11 1 | 21 Very Good
    3M Return % 0.89
    0.57
    		0.19 | 1.06 3 | 21 Very Good
    6M Return % 2.27
    1.79
    		1.29 | 2.42 2 | 21 Very Good
    1Y Return % 7.32
    6.66
    		5.90 | 7.43 2 | 21 Very Good
    3Y Return % 7.22
    7.09
    		6.65 | 7.45 5 | 20 Very Good
    5Y Return % 7.05
    5.79
    		5.16 | 7.05 1 | 17 Very Good
    7Y Return % 6.37
    6.86
    		6.32 | 7.64 14 | 15 Poor
    10Y Return % 6.65
    6.99
    		6.39 | 7.37 11 | 14 Average
    1Y SIP Return % 5.80
    4.90
    		3.96 | 6.02 2 | 21 Very Good
    3Y SIP Return % 7.14
    6.83
    		6.34 | 7.24 2 | 20 Very Good
    5Y SIP Return % 7.37
    6.50
    		6.15 | 7.37 1 | 17 Very Good
    7Y SIP Return % 6.75
    6.04
    		5.59 | 6.75 1 | 15 Very Good
    10Y SIP Return % 6.47
    6.47
    		6.02 | 6.78 9 | 14 Average
    Standard Deviation 1.02
    1.14
    		0.82 | 1.59 7 | 20 Good
    Semi Deviation 0.66
    0.77
    		0.54 | 1.09 6 | 20 Good
    Max Drawdown % 0.00
    -0.13
    		-0.40 | 0.00 2 | 20 Very Good
    VaR 1 Y % 0.00
    -0.05
    		-0.45 | 0.00 15 | 20 Average
    Average Drawdown % 0.00
    -0.09
    		-0.25 | 0.00 2 | 20 Very Good
    Sharpe Ratio 1.56
    1.34
    		0.89 | 2.05 3 | 20 Very Good
    Sterling Ratio 0.74
    0.72
    		0.69 | 0.75 4 | 20 Very Good
    Sortino Ratio 1.09
    0.82
    		0.47 | 1.33 3 | 20 Very Good
    Jensen Alpha % 1.67
    0.77
    		-1.20 | 2.45 5 | 20 Very Good
    Modigliani Square Measure % 7.83
    7.17
    		5.23 | 9.22 6 | 20 Good
    Alpha % -0.44
    -0.67
    		-0.97 | -0.27 4 | 20 Very Good
    Return data last Updated On : Jan. 27, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Dec. 31, 2025
    KPIs: Key Performance Indicators

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    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % 0.13 -0.04 -0.24 | 0.15 2 | 21 Very Good
    3M Return % 0.96 0.66 0.26 | 1.13 3 | 21 Very Good
    6M Return % 2.40 1.98 1.42 | 2.59 2 | 21 Very Good
    1Y Return % 7.56 7.04 6.20 | 7.78 2 | 21 Very Good
    3Y Return % 7.51 7.48 6.97 | 7.82 9 | 20 Good
    5Y Return % 7.31 6.17 5.55 | 7.31 1 | 17 Very Good
    7Y Return % 6.57 7.24 6.57 | 7.98 15 | 15 Poor
    10Y Return % 6.81 7.35 6.66 | 7.78 12 | 14 Average
    1Y SIP Return % 6.06 5.28 4.24 | 6.36 2 | 21 Very Good
    3Y SIP Return % 7.41 7.21 6.67 | 7.59 4 | 20 Very Good
    5Y SIP Return % 7.64 6.88 6.61 | 7.64 1 | 17 Very Good
    7Y SIP Return % 6.99 6.40 5.96 | 6.99 1 | 15 Very Good
    10Y SIP Return % 6.68 6.84 6.31 | 7.19 12 | 14 Average
    Standard Deviation 1.02 1.14 0.82 | 1.59 7 | 20 Good
    Semi Deviation 0.66 0.77 0.54 | 1.09 6 | 20 Good
    Max Drawdown % 0.00 -0.13 -0.40 | 0.00 2 | 20 Very Good
    VaR 1 Y % 0.00 -0.05 -0.45 | 0.00 15 | 20 Average
    Average Drawdown % 0.00 -0.09 -0.25 | 0.00 2 | 20 Very Good
    Sharpe Ratio 1.56 1.34 0.89 | 2.05 3 | 20 Very Good
    Sterling Ratio 0.74 0.72 0.69 | 0.75 4 | 20 Very Good
    Sortino Ratio 1.09 0.82 0.47 | 1.33 3 | 20 Very Good
    Jensen Alpha % 1.67 0.77 -1.20 | 2.45 5 | 20 Very Good
    Modigliani Square Measure % 7.83 7.17 5.23 | 9.22 6 | 20 Good
    Alpha % -0.44 -0.67 -0.97 | -0.27 4 | 20 Very Good
    Return data last Updated On : Jan. 27, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Dec. 31, 2025
    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
    27-01-2026 22.6256 23.0451
    23-01-2026 22.6103 23.0289
    22-01-2026 22.6104 23.0288
    21-01-2026 22.585 23.0028
    20-01-2026 22.5864 23.0041
    19-01-2026 22.5951 23.0128
    16-01-2026 22.5976 23.0148
    14-01-2026 22.606 23.023
    13-01-2026 22.6087 23.0256
    12-01-2026 22.6247 23.0417
    09-01-2026 22.6142 23.0306
    08-01-2026 22.6135 23.0297
    07-01-2026 22.6105 23.0265
    06-01-2026 22.6165 23.0324
    05-01-2026 22.6149 23.0306
    02-01-2026 22.6143 23.0295
    01-01-2026 22.617 23.0321
    31-12-2025 22.6134 23.0283
    30-12-2025 22.5997 23.0142
    29-12-2025 22.6009 23.0153

    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.