Should I invest in UTI Banking Sector Fund?

We don't give personal investment advice. UTI Banking Sector Fund-Growth Option is suitable for an investor whose:time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a lossrisk tolerance accepts seeing the portfolio fall sharply without panic-sellinggoal isn't capital preservation in the short termCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 22.5%. 5-year CAGR: 10.67%.

UTI

UTI Banking Sector Fund-Growth Option

Latest NAV

₹184.1660

As of

10 Jun 2026

4,964 NAV records on file

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	+1.34%	+0.52%	+0.81	9 / 122	Q1
1W	+0.95%	-0.65%	+1.60	11 / 122	Q1
2W	-2.88%	-1.97%	-0.91	96 / 122	Q4
1M	-2.34%	-1.57%	-0.77	82 / 122	Q3
3M	-4.83%	+2.70%	-7.53	115 / 122	Q4
6M	-6.73%	-1.28%	-5.45	86 / 122	Q3
YTD	-7.54%	-2.48%	-5.06	83 / 122	Q3
1Y	-4.69%	-0.10%	-4.59	81 / 120	Q3
2Y	+6.54%	+2.58%	+3.96	30 / 116	Q2
3Y	+11.76%	+14.25%	-2.50	73 / 112	Q3
4Y	+14.97%	+14.89%	+0.08	54 / 105	Q3
5Y	+10.67%	+11.91%	-1.24	61 / 104	Q3
7Y	+8.59%	+13.71%	-5.12	82 / 99	Q4
10Y	+10.43%	+11.54%	-1.12	61 / 93	Q3
Inception	+12.78%	+10.71%	+2.07	39 / 122	Q2

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2026 YTD	-7.54%	-2.67%	-4.87	79 / 118
2025	+15.71%	+3.20%	+12.52	18 / 115
2024	+10.83%	+19.60%	-8.77	88 / 113
2023	+19.34%	+31.56%	-12.22	94 / 108
2022	+15.08%	+2.19%	+12.90	14 / 104
2021	+14.20%	+32.41%	-18.21	88 / 102
2020	-5.53%	+18.32%	-23.85	94 / 100
2019	+10.67%	+5.50%	+5.17	23 / 97
2018	-6.29%	-10.07%	+3.78	34 / 94
2017	+43.09%	+30.10%	+12.99	15 / 93
2016	+12.34%	-0.25%	+12.59	5 / 93

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+17.11%

234 windows

min -50.5% · max 145.1%

74% positive

3-Year rolling

+13.27%

210 windows

min -11.6% · max 39.5%

91% positive

5-Year rolling

+12.31%

186 windows

min -1.5% · max 27.0%

99% positive

7-Year rolling

+11.74%

161 windows

min 3.5% · max 21.7%

100% positive

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

12.09%

3-year · annualised

Sharpe ratio

0.45

vs risk-free 6.5%

Sortino ratio

0.77

Downside-only deviation

Max drawdown

-16.60%

Feb 2026 → Mar 2026

% positive months

66.7%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Peers in Sectoral/Thematic Fund

Scheme	Fund house	NAV	As of
HDFC Banking & Financial Services Fund - Growth Option	HDFC	₹16.9470	10 Jun 2026
Nippon India Japan Equity Fund- Growth Plan- Bonus Option	Nippon India	₹26.7441	10 Jun 2026
Magnum Equity Fund -Dividend	SBI	₹71.3828	10 Jun 2026
ICICI Prudential Active Momentum Fund - Growth	ICICI Prudential	₹10.4100	10 Jun 2026
Franklin Asian Equity Fund - Dividend Plan	Franklin Templeton	₹20.4784	10 Jun 2026
Franklin India Multi-Factor Fund- Growth	Franklin India	₹9.1874	10 Jun 2026
Kotak Infrastructure & Economic Reform Fund - Standard Plan-Growth	Kotak	₹65.7260	10 Jun 2026
Canara Robeco Infrastructure-DIVIDEND	Canara Robeco	₹63.3900	10 Jun 2026
UTI - MNC Fund (UGS 10000)-Growth Option	UTI	₹382.5913	10 Jun 2026
BANK OF INDIA Manufacturing & Infrastructure Fund-Growth	Bank of India	₹62.3900	10 Jun 2026

Recent NAVs

Date	NAV
10 Jun 2026	₹184.1660
9 Jun 2026	₹183.8430
8 Jun 2026	₹181.4182
5 Jun 2026	₹183.5146
4 Jun 2026	₹182.9304
3 Jun 2026	₹182.7390
2 Jun 2026	₹182.1083
1 Jun 2026	₹182.6796
29 May 2026	₹185.1807
27 May 2026	₹188.0440

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

As of 10 Jun 2026, the NAV of UTI Banking Sector Fund-Growth Option is ₹184.1660. It's a Sectoral/Thematic Fund from UTI, run as a Unknown plan Growth option. NAVs update once per business day from the AMFI feed.

UTI Banking Sector Fund-Growth Option has NAV history starting from 03 Apr 2006, a track record of about 20 years 2 months. Long-tenured funds like this have weathered multiple market cycles — the 2008 crash, 2013 taper tantrum, 2020 COVID drawdown — which makes their returns more credible than a 3-year track record alone.

UTI Banking Sector Fund-Growth Option is managed by UTI. It's classified by AMFI under the 'Sectoral/Thematic Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, UTI Banking Sector Fund-Growth Option has delivered a absolute return of -4.69% — -4.59 pp behind the Sectoral/Thematic Fund category average of -0.10%. The fund ranks #81 of 120 in its category — the third (Q3) quartile.

Over the trailing 3-year window, UTI Banking Sector Fund-Growth Option has delivered a CAGR of 11.76% — -2.5 pp behind the Sectoral/Thematic Fund category average of 14.25%. The fund ranks #73 of 112 in its category — the third (Q3) quartile.

Over the trailing 5-year window, UTI Banking Sector Fund-Growth Option has delivered a CAGR of 10.67% — -1.24 pp behind the Sectoral/Thematic Fund category average of 11.91%. The fund ranks #61 of 104 in its category — the third (Q3) quartile.

₹1 lakh invested in UTI Banking Sector Fund-Growth Option exactly 10 years ago would be worth approximately ₹269,594 today — a multiplier of 2.70×, based on the 10-year CAGR of 10.43%. The category average over the same window would have grown ₹1 lakh to ₹298,137.

A ₹10,000 monthly SIP in UTI Banking Sector Fund-Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹771,880 today. That's an XIRR (money-weighted annualised return) of 10.01%.

A ₹10,000 monthly SIP for 10 years in UTI Banking Sector Fund-Growth Option = ₹1,200,000 invested. It would currently be worth ₹2,037,771 (multiplier 1.70×). XIRR: 10.21%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, UTI Banking Sector Fund-Growth Option ranks #61 out of 104 funds in the Sectoral/Thematic Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 11.91%; this fund delivered 10.67%.

The worst peak-to-trough decline UTI Banking Sector Fund-Growth Option has experienced over the last 5-year window is 22.53% — its NAV fell from a high on 26 Oct 2021 to a low on 16 Jun 2022. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, UTI Banking Sector Fund-Growth Option averaged 12.31% (best 27.02%, worst -1.51%). 99% of rolling windows ended positive. The 5-year Sharpe ratio is 0.34 — weak risk-adjusted performance.

In calendar year 2025, UTI Banking Sector Fund-Growth Option returned 15.71% — beating the Sectoral/Thematic Fund category average of 3.20% by 12.52 pp. It ranked #18 of 115 in its category that year.

UTI Banking Sector Fund-Growth Option is classified as an Equity fund (at least 65% equity exposure). Tax rules (post Budget 2024): if you hold 12 months or more, gains are Long-Term and taxed at 12.5% on the amount exceeding ₹1.25 lakh per financial year. Held for under 12 months, gains are Short-Term and taxed at 20%. The ₹1.25 L exemption is per PAN per FY across all equity LTCG.

We don't give personal investment advice. UTI Banking Sector Fund-Growth Option is suitable for an investor whose:

time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a loss
risk tolerance accepts seeing the portfolio fall sharply without panic-selling
goal isn't capital preservation in the short term

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 22.5%. 5-year CAGR: 10.67%.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.