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

We don't give personal investment advice. UTI Banking & PSU Fund - Direct Plan - Flexi 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: 1.1%. 5-year CAGR: 7.44%.

UTI

UTI Banking & PSU Fund - Direct Plan - Flexi IDCW

Latest NAV

₹20.2177

As of

3 Jun 2026

2,726 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	44 / 60	Q3
1W	+0.23%	+0.18%	+0.04	41 / 60	Q3
2W	+0.17%	+0.25%	-0.08	46 / 60	Q4
1M	+0.19%	+0.10%	+0.09	21 / 60	Q2
3M	+1.02%	-0.18%	+1.21	6 / 60	Q1
6M	+2.18%	+0.11%	+2.07	7 / 60	Q1
YTD	+1.85%	+0.01%	+1.84	6 / 60	Q1
1Y	+5.14%	+0.62%	+4.52	5 / 60	Q1
2Y	+7.24%	+2.02%	+5.22	4 / 60	Q1
3Y	+7.01%	+1.80%	+5.20	4 / 57	Q1
4Y	+7.26%	+1.90%	+5.36	1 / 51	Q1
5Y	+7.44%	+1.49%	+5.96	1 / 50	Q1
7Y	+7.28%	+1.49%	+5.79	1 / 47	Q1
10Y	+6.67%	+1.37%	+5.29	3 / 37	Q1
Inception	+6.43%	+1.97%	+4.46	6 / 57	Q1

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	+1.85%	-0.12%	+1.97	3 / 51
2025	+8.03%	+2.37%	+5.66	2 / 52
2024	+7.86%	+2.35%	+5.51	12 / 53
2023	+7.03%	+2.08%	+4.95	8 / 51
2022	+10.57%	+1.10%	+9.47	3 / 50
2021	+2.90%	-0.84%	+3.73	10 / 50
2020	+8.87%	+2.60%	+6.27	7 / 47
2019	-0.94%	+1.86%	-2.81	39 / 45
2018	+6.82%	+1.66%	+5.16	2 / 46
2017	+6.34%	+0.89%	+5.45	1 / 46
2016	+5.60%	+2.60%	+3.00	8 / 43

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

+6.44%

126 windows

min -1.2% · max 12.6%

96% positive

3-Year rolling

+6.25%

102 windows

min 3.5% · max 9.2%

100% positive

5-Year rolling

+6.12%

77 windows

min 4.6% · max 7.7%

100% positive

7-Year rolling

+6.12%

53 windows

min 5.2% · max 7.5%

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

0.98%

3-year · annualised

Sharpe ratio

0.30

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.41%

Jun 2025 → Jun 2025

% positive months

100.0%

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	₹20.2177
2 Jun 2026	₹20.2153
1 Jun 2026	₹20.2092
29 May 2026	₹20.1920
27 May 2026	₹20.1772
26 May 2026	₹20.1694
25 May 2026	₹20.1696
22 May 2026	₹20.1553
21 May 2026	₹20.1514
20 May 2026	₹20.1722

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 - Flexi IDCW is ₹20.2177. 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 - Flexi IDCW has NAV history starting from 20 Feb 2015, a track record of about 11 years 3 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 - Flexi 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 - Flexi IDCW has delivered a absolute return of 5.14% — +4.52 pp ahead of the Banking & PSU Fund category average of 0.62%. The fund ranks #5 of 60 in its category — the top (Q1) quartile.

Over the trailing 3-year window, UTI Banking & PSU Fund - Direct Plan - Flexi IDCW has delivered a CAGR of 7.01% — +5.2 pp ahead of the Banking & PSU Fund category average of 1.80%. The fund ranks #4 of 57 in its category — the top (Q1) quartile.

Over the trailing 5-year window, UTI Banking & PSU Fund - Direct Plan - Flexi IDCW has delivered a CAGR of 7.44% — +5.96 pp ahead of the Banking & PSU Fund category average of 1.49%. The fund ranks #1 of 50 in its category — the top (Q1) quartile.

₹1 lakh invested in UTI Banking & PSU Fund - Direct Plan - Flexi IDCW exactly 10 years ago would be worth approximately ₹190,678 today — a multiplier of 1.91×, based on the 10-year CAGR of 6.67%. The category average over the same window would have grown ₹1 lakh to ₹114,619.

A ₹10,000 monthly SIP in UTI Banking & PSU Fund - Direct Plan - Flexi IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹722,754 today. That's an XIRR (money-weighted annualised return) of 7.37%.

A ₹10,000 monthly SIP for 10 years in UTI Banking & PSU Fund - Direct Plan - Flexi IDCW = ₹1,200,000 invested. It would currently be worth ₹1,698,548 (multiplier 1.42×). XIRR: 6.75%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, UTI Banking & PSU Fund - Direct Plan - Flexi IDCW ranks #1 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 7.44%.

The worst peak-to-trough decline UTI Banking & PSU Fund - Direct Plan - Flexi IDCW has experienced over the last 5-year window is 1.15% — its NAV fell from a high on 13 Sep 2022 to a low on 14 Oct 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 & PSU Fund - Direct Plan - Flexi IDCW averaged 6.12% (best 7.71%, worst 4.55%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.29 — weak risk-adjusted performance.

In calendar year 2025, UTI Banking & PSU Fund - Direct Plan - Flexi IDCW returned 8.03% — beating the Banking & PSU Fund category average of 2.37% by 5.66 pp. It ranked #2 of 52 in its category that year.

UTI Banking & PSU Fund - Direct Plan - Flexi 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 - Flexi 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: 1.1%. 5-year CAGR: 7.44%.

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 - Flexi 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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