Should I invest in UTI Banking and Financial Services Fund?

We don't give personal investment advice. UTI Banking and Financial Services Fund - Direct Plan - IDCW 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: 21.9%. 5-year CAGR: 11.46%.

UTI

UTI Banking and Financial Services Fund - Direct Plan - IDCW

Latest NAV

₹82.2534

As of

3 Jun 2026

3,300 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	-0.31%	+0.27%	-0.58	216 / 249	Q4
1W	-3.78%	-1.33%	-2.45	246 / 249	Q4
2W	-1.62%	-0.44%	-1.19	222 / 251	Q4
1M	-3.15%	-0.98%	-2.17	223 / 251	Q4
3M	-8.89%	+0.91%	-9.79	231 / 249	Q4
6M	-7.53%	-3.35%	-4.18	169 / 241	Q3
YTD	-8.01%	-3.40%	-4.61	178 / 241	Q3
1Y	-2.14%	+2.11%	-4.25	147 / 225	Q3
2Y	+6.48%	+1.79%	+4.70	45 / 181	Q1
3Y	+12.72%	+12.30%	+0.42	79 / 142	Q3
4Y	+15.23%	+11.74%	+3.49	50 / 122	Q2
5Y	+11.46%	+8.93%	+2.54	46 / 111	Q2
7Y	+9.25%	+13.08%	-3.83	73 / 92	Q4
10Y	+10.77%	+12.03%	-1.25	46 / 77	Q3
Inception	+9.93%	+8.52%	+1.41	129 / 251	Q3

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	-8.01%	-2.64%	-5.37	176 / 237
2025	+16.92%	+1.49%	+15.43	17 / 204
2024	+11.98%	+20.10%	-8.11	121 / 158
2023	+20.60%	+30.21%	-9.61	105 / 131
2022	+16.45%	+1.48%	+14.97	14 / 119
2021	+15.47%	+31.54%	-16.07	85 / 106
2020	-4.63%	+19.90%	-24.53	89 / 95
2019	+11.74%	+6.43%	+5.32	19 / 87
2018	-5.26%	-9.17%	+3.91	31 / 78
2017	+44.73%	+32.45%	+12.28	18 / 77
2016	+4.60%	+2.96%	+1.64	27 / 77

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

+15.24%

152 windows

min -46.3% · max 89.7%

76% positive

3-Year rolling

+11.54%

127 windows

min -12.3% · max 34.2%

92% positive

5-Year rolling

+10.75%

103 windows

min -6.2% · max 25.6%

95% positive

7-Year rolling

+9.66%

79 windows

min 2.3% · max 14.0%

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

13.55%

3-year · annualised

Sharpe ratio

0.48

vs risk-free 6.5%

Sortino ratio

0.74

Downside-only deviation

Max drawdown

-16.51%

Feb 2026 → Mar 2026

% positive months

61.1%

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 - IDCW Option - Direct Plan	HDFC	₹15.9390	3 Jun 2026
NIPPON INDIA - JAPAN EQUITY FUND - DIRECT Plan - IDCW Option	Nippon India	₹31.2458	3 Jun 2026
SBI Automotive Opportunities Fund - Direct Plan - Income Distribution Cum Capital Withdrawal Option	SBI	₹11.7560	3 Jun 2026
ICICI Prudential Banking and Financial Services Fund - Direct Plan - IDCW	ICICI Prudential	₹64.9400	3 Jun 2026
Invesco India Business Cycle Fund - Direct Plan - IDCW	Invesco	₹13.3100	3 Jun 2026
Bandhan Business Cycle Fund - Direct Plan - IDCW	Bandhan	₹9.6290	3 Jun 2026
quant BFSI Fund - IDCW Option - Direct Plan	Quant	₹20.2732	3 Jun 2026
Aditya Birla Sun Life Banking and Financial Services Fund - DIRECT - IDCW	Aditya Birla Sun Life	₹29.4200	3 Jun 2026
Motilal Oswal Active Momentum Fund- Direct-IDCW	Motilal Oswal	₹13.3281	3 Jun 2026
Franklin India Multi-Factor Fund- Direct- IDCW	Franklin India	₹9.3581	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹82.2534
2 Jun 2026	₹81.9673
1 Jun 2026	₹82.2222
29 May 2026	₹83.3412
27 May 2026	₹84.6252
26 May 2026	₹85.1887
25 May 2026	₹85.7341
22 May 2026	₹83.9698
21 May 2026	₹83.1039
20 May 2026	₹83.2992

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 03 Jun 2026, the NAV of UTI Banking and Financial Services Fund - Direct Plan - IDCW is ₹82.2534. It's a Sectoral/Thematic Fund from UTI, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

UTI Banking and Financial Services Fund - Direct Plan - IDCW has NAV history starting from 02 Jan 2013, a track record of about 13 years 5 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

UTI Banking and Financial Services Fund - Direct Plan - IDCW 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 and Financial Services Fund - Direct Plan - IDCW has delivered a absolute return of -2.14% — -4.25 pp behind the Sectoral/Thematic Fund category average of 2.11%. The fund ranks #147 of 225 in its category — the third (Q3) quartile.

Over the trailing 3-year window, UTI Banking and Financial Services Fund - Direct Plan - IDCW has delivered a CAGR of 12.72% — +0.42 pp ahead of the Sectoral/Thematic Fund category average of 12.30%. The fund ranks #79 of 142 in its category — the third (Q3) quartile.

Over the trailing 5-year window, UTI Banking and Financial Services Fund - Direct Plan - IDCW has delivered a CAGR of 11.46% — +2.54 pp ahead of the Sectoral/Thematic Fund category average of 8.93%. The fund ranks #46 of 111 in its category — the second (Q2) quartile.

₹1 lakh invested in UTI Banking and Financial Services Fund - Direct Plan - IDCW exactly 10 years ago would be worth approximately ₹278,181 today — a multiplier of 2.78×, based on the 10-year CAGR of 10.77%. The category average over the same window would have grown ₹1 lakh to ₹311,351.

A ₹10,000 monthly SIP in UTI Banking and Financial Services Fund - Direct Plan - IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹789,703 today. That's an XIRR (money-weighted annualised return) of 10.92%.

A ₹10,000 monthly SIP for 10 years in UTI Banking and Financial Services Fund - Direct Plan - IDCW = ₹1,200,000 invested. It would currently be worth ₹2,149,821 (multiplier 1.79×). XIRR: 11.22%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, UTI Banking and Financial Services Fund - Direct Plan - IDCW ranks #46 out of 111 funds in the Sectoral/Thematic Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 8.93%; this fund delivered 11.46%.

The worst peak-to-trough decline UTI Banking and Financial Services Fund - Direct Plan - IDCW has experienced over the last 5-year window is 21.92% — 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 and Financial Services Fund - Direct Plan - IDCW averaged 10.75% (best 25.55%, worst -6.21%). 95% of rolling windows ended positive. The 5-year Sharpe ratio is 0.37 — weak risk-adjusted performance.

In calendar year 2025, UTI Banking and Financial Services Fund - Direct Plan - IDCW returned 16.92% — beating the Sectoral/Thematic Fund category average of 1.49% by 15.43 pp. It ranked #17 of 204 in its category that year.

UTI Banking and Financial Services Fund - Direct Plan - IDCW 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 and Financial Services Fund - Direct Plan - IDCW 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: 21.9%. 5-year CAGR: 11.46%.

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