Should I invest in UTI Banking & PSU Fund - Annual IDCW?

We don't give personal investment advice. UTI Banking & PSU Fund - Direct Plan - Annual IDCW is suitable for an investor whose:understands what asset class this scheme actually invests in (check the factsheet)matches that asset class's volatility profile to their goal horizonCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 5.6%. 5-year CAGR: 3.92%.

UTI

UTI Banking & PSU Fund - Direct Plan - Annual IDCW

Latest NAV

₹13.4356

As of

3 Jun 2026

2,310 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	+0.03%	+0.04%	-0.01	42 / 60	Q3
1W	+0.23%	+0.18%	+0.04	38 / 60	Q3
2W	+0.17%	+0.25%	-0.08	45 / 60	Q3
1M	+0.19%	+0.10%	+0.09	18 / 60	Q2
3M	-2.11%	-0.18%	-1.92	57 / 60	Q4
6M	-0.99%	+0.11%	-1.10	50 / 60	Q4
YTD	-1.30%	+0.01%	-1.31	54 / 60	Q4
1Y	+1.89%	+0.62%	+1.26	16 / 60	Q2
2Y	+3.56%	+2.02%	+1.55	16 / 60	Q2
3Y	+3.24%	+1.80%	+1.43	15 / 57	Q2
4Y	+2.88%	+1.90%	+0.98	14 / 51	Q2
5Y	+3.92%	+1.49%	+2.44	12 / 50	Q1
7Y	+4.10%	+1.49%	+2.60	10 / 47	Q1
10Y	—	—	—	—	—
Inception	+3.00%	+1.97%	+1.03	16 / 57	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	-1.30%	-0.12%	-1.18	46 / 51
2025	+3.97%	+2.37%	+1.60	14 / 52
2024	+3.86%	+2.35%	+1.52	15 / 53
2023	+0.90%	+2.08%	-1.18	20 / 51
2022	+10.57%	+1.10%	+9.47	1 / 50
2021	-1.59%	-0.84%	-0.75	42 / 50
2020	+8.87%	+2.60%	+6.27	6 / 47
2019	-4.54%	+1.86%	-6.40	43 / 45
2018	+1.04%	+1.66%	-0.62	19 / 46
2017	+6.34%	+0.89%	+5.45	3 / 46
2016	—	—	—	—

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

+3.08%

105 windows

min -4.8% · max 11.0%

72% positive

3-Year rolling

+3.11%

80 windows

min 0.7% · max 6.3%

100% positive

5-Year rolling

+3.22%

56 windows

min 1.7% · max 4.5%

100% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

7-Year rolling

+2.99%

32 windows

min 2.4% · max 4.3%

100% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

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

3.33%

3-year · annualised

Sharpe ratio

-0.98

vs risk-free 6.5%

Sortino ratio

-1.15

Downside-only deviation

Max drawdown

-3.76%

Mar 2024 → Mar 2024

% positive months

91.7%

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 Banking & PSU Fund

Scheme	Fund house	NAV	As of
HDFC Banking and PSU Debt Fund - IDCW Option - Direct Plan	HDFC	₹10.0227	3 Jun 2026
NIPPON INDIA BANKING and PSU FUND - Direct Plan - IDCW Option	Nippon India	₹22.3658	3 Jun 2026
SBI Banking & PSU Fund - Direct Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹1,520.0680	3 Jun 2026
ICICI Prudential Banking and PSU Debt Fund - Direct Plan - Quarterly IDCW	ICICI Prudential	₹12.9930	3 Jun 2026
Invesco India Banking and PSU Fund - Direct Plan - Daily IDCW (Reinvestment)	Invesco	₹1,062.6489	3 Jun 2026
Bandhan Banking and PSU Fund - Direct Annual IDCW	Bandhan	₹12.0978	3 Jun 2026
Aditya Birla Sun Life Banking & PSU Debt Fund - DIRECT - IDCW	Aditya Birla Sun Life	₹104.7496	3 Jun 2026
Franklin India Banking and PSU Debt Fund - Direct - IDCW	Franklin India	₹11.5390	3 Jun 2026
Mirae Asset Banking and PSU Fund - Direct Plan - IDCW	Mirae Asset	₹13.7262	3 Jun 2026
Kotak Banking and PSU Debt Direct - Monthly Payout of Income Distribution cum capital withdrawal option	Kotak	₹10.2444	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹13.4356
2 Jun 2026	₹13.4340
1 Jun 2026	₹13.4299
29 May 2026	₹13.4185
27 May 2026	₹13.4086
26 May 2026	₹13.4034
25 May 2026	₹13.4035
22 May 2026	₹13.3941
21 May 2026	₹13.3915
20 May 2026	₹13.4053

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 & PSU Fund - Direct Plan - Annual IDCW is ₹13.4356. It's a Banking & PSU Fund from UTI, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

UTI Banking & PSU Fund - Direct Plan - Annual IDCW has NAV history starting from 15 Nov 2016, a track record of about 9 years 6 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 & PSU Fund - Direct Plan - Annual IDCW is managed by UTI. It's classified by AMFI under the 'Banking & PSU Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, UTI Banking & PSU Fund - Direct Plan - Annual IDCW has delivered a absolute return of 1.89% — +1.26 pp ahead of the Banking & PSU Fund category average of 0.62%. The fund ranks #16 of 60 in its category — the second (Q2) quartile.

Over the trailing 3-year window, UTI Banking & PSU Fund - Direct Plan - Annual IDCW has delivered a CAGR of 3.24% — +1.43 pp ahead of the Banking & PSU Fund category average of 1.80%. The fund ranks #15 of 57 in its category — the second (Q2) quartile.

Over the trailing 5-year window, UTI Banking & PSU Fund - Direct Plan - Annual IDCW has delivered a CAGR of 3.92% — +2.44 pp ahead of the Banking & PSU Fund category average of 1.49%. The fund ranks #12 of 50 in its category — the top (Q1) quartile.

₹1 lakh invested in UTI Banking & PSU Fund - Direct Plan - Annual IDCW exactly 5 years ago would be worth approximately ₹121,216 today — a multiplier of 1.21×, based on the 5-year CAGR of 3.92%. The category average over the same window would have grown ₹1 lakh to ₹107,649.

A ₹10,000 monthly SIP in UTI Banking & PSU Fund - Direct Plan - Annual IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹649,265 today. That's an XIRR (money-weighted annualised return) of 3.11%.

UTI Banking & PSU Fund - Direct Plan - Annual IDCW doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹946,069 — XIRR 3.35%.

On a 5-year basis, UTI Banking & PSU Fund - Direct Plan - Annual IDCW ranks #12 out of 50 funds in the Banking & PSU Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 1.49%; this fund delivered 3.92%.

The worst peak-to-trough decline UTI Banking & PSU Fund - Direct Plan - Annual IDCW has experienced over the last 5-year window is 5.61% — its NAV fell from a high on 21 Mar 2023 to a low on 23 Mar 2023. 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 & PSU Fund - Direct Plan - Annual IDCW averaged 3.22% (best 4.53%, worst 1.72%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.60 — negative risk-adjusted performance.

In calendar year 2025, UTI Banking & PSU Fund - Direct Plan - Annual IDCW returned 3.97% — beating the Banking & PSU Fund category average of 2.37% by 1.60 pp. It ranked #14 of 52 in its category that year.

UTI Banking & PSU Fund - Direct Plan - Annual IDCW doesn't fit cleanly into the standard Equity/Debt buckets in our taxonomy. Tax treatment depends on actual asset allocation as disclosed by the AMC — check the factsheet or AMFI's classification table.

We don't give personal investment advice. UTI Banking & PSU Fund - Direct Plan - Annual IDCW is suitable for an investor whose:

understands what asset class this scheme actually invests in (check the factsheet)
matches that asset class's volatility profile to their goal horizon

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 5.6%. 5-year CAGR: 3.92%.

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

UTI Banking & PSU Fund - Direct Plan - Annual IDCW

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Banking & PSU Fund

Recent NAVs

Frequently asked questions

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