Should I invest in UTI Banking & PSU Fund?

We don't give personal investment advice. UTI Banking & PSU Fund - Direct Plan - Growth Option 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: 7.63%.

UTI

UTI Banking & PSU Fund - Direct Plan - Growth Option

Latest NAV

₹23.7568

As of

17 Jul 2026

3,000 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	+0.05%	+0.02%	+0.03	2 / 22	Q1
1W	+0.08%	-0.03%	+0.11	3 / 22	Q1
2W	+0.08%	-0.11%	+0.19	2 / 22	Q1
1M	+0.66%	+0.69%	-0.03	17 / 22	Q4
3M	+1.53%	+1.77%	-0.24	19 / 22	Q4
6M	+3.22%	+3.20%	+0.02	9 / 22	Q2
YTD	+3.15%	+2.82%	+0.33	3 / 22	Q1
1Y	+5.71%	+5.37%	+0.34	4 / 22	Q1
2Y	+7.41%	+7.27%	+0.14	4 / 22	Q1
3Y	+7.28%	+7.24%	+0.05	10 / 20	Q2
4Y	+7.21%	+7.15%	+0.06	8 / 19	Q2
5Y	+7.63%	+6.38%	+1.25	1 / 18	Q1
7Y	+7.10%	+6.87%	+0.23	5 / 16	Q2
10Y	+6.61%	+7.20%	-0.59	14 / 15	Q4
Inception	+7.18%	+7.48%	-0.30	17 / 21	Q4

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	+3.15%	+2.92%	+0.22	3 / 21
2025	+8.02%	+7.73%	+0.29	4 / 21
2024	+7.86%	+8.19%	-0.33	18 / 21
2023	+7.03%	+7.05%	-0.02	11 / 20
2022	+10.57%	+3.98%	+6.60	1 / 18
2021	+2.90%	+3.82%	-0.92	18 / 18
2020	+8.87%	+10.42%	-1.55	15 / 16
2019	-0.94%	+10.17%	-11.11	16 / 16
2018	+6.82%	+6.92%	-0.10	9 / 16
2017	+6.34%	+5.82%	+0.52	6 / 17
2016	+11.61%	+10.00%	+1.61	3 / 16

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

+7.20%

140 windows

min -1.0% · max 13.8%

96% positive

3-Year rolling

+6.87%

116 windows

min 3.5% · max 10.0%

100% positive

5-Year rolling

+6.46%

91 windows

min 4.6% · max 8.1%

100% positive

7-Year rolling

+6.41%

67 windows

min 5.8% · max 7.4%

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

1.02%

3-year · annualised

Sharpe ratio

0.56

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 - Growth Option - Direct Plan	HDFC	₹25.4126	17 Jul 2026
Nippon India Banking and PSU Fund- Direct Plan-Growth Plan- Growth Option	Nippon India	₹22.8275	17 Jul 2026
SBI BANKING & PSU FUND - Direct Plan - Growth	SBI	₹3,512.4985	17 Jul 2026
ICICI Prudential Banking and PSU Debt Fund - Direct Plan - Growth	ICICI Prudential	₹36.3286	17 Jul 2026
Invesco India Banking and PSU Fund - Direct Plan - Growth Option	Invesco	₹2,569.5096	17 Jul 2026
Bandhan Banking and PSU Fund - Direct Growth	Bandhan	₹26.9584	17 Jul 2026
Aditya Birla Sun Life Banking & PSU Debt Fund- Direct Plan-Growth	Aditya Birla Sun Life	₹402.5843	17 Jul 2026
Franklin India Banking & PSU Debt Fund - Direct - Growth	Franklin India	₹25.0706	17 Jul 2026
Mirae Asset Banking and PSU Fund - Direct Plan - Growth	Mirae Asset	₹13.9659	17 Jul 2026
Kotak Banking and PSU Debt Direct - Growth	Kotak	₹72.5392	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹23.7568
16 Jul 2026	₹23.7452
15 Jul 2026	₹23.7334
14 Jul 2026	₹23.7298
13 Jul 2026	₹23.7432
10 Jul 2026	₹23.7368
9 Jul 2026	₹23.7311
8 Jul 2026	₹23.7186
7 Jul 2026	₹23.7340
6 Jul 2026	₹23.7444

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 17 Jul 2026, the NAV of UTI Banking & PSU Fund - Direct Plan - Growth Option is ₹23.7568. It's a Banking & PSU Fund from UTI, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

UTI Banking & PSU Fund - Direct Plan - Growth Option has NAV history starting from 06 Feb 2014, a track record of about 12 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 & PSU Fund - Direct Plan - Growth Option 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 - Growth Option has delivered a absolute return of 5.71% — +0.34 pp ahead of the Banking & PSU Fund category average of 5.37%. The fund ranks #4 of 22 in its category — the top (Q1) quartile.

Over the trailing 3-year window, UTI Banking & PSU Fund - Direct Plan - Growth Option has delivered a CAGR of 7.28% — +0.05 pp ahead of the Banking & PSU Fund category average of 7.24%. The fund ranks #10 of 20 in its category — the second (Q2) quartile.

Over the trailing 5-year window, UTI Banking & PSU Fund - Direct Plan - Growth Option has delivered a CAGR of 7.63% — +1.25 pp ahead of the Banking & PSU Fund category average of 6.38%. The fund ranks #1 of 18 in its category — the top (Q1) quartile.

₹1 lakh invested in UTI Banking & PSU Fund - Direct Plan - Growth Option exactly 10 years ago would be worth approximately ₹189,726 today — a multiplier of 1.90×, based on the 10-year CAGR of 6.61%. The category average over the same window would have grown ₹1 lakh to ₹200,461.

A ₹10,000 monthly SIP in UTI Banking & PSU Fund - Direct Plan - Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹724,982 today. That's an XIRR (money-weighted annualised return) of 7.50%.

A ₹10,000 monthly SIP for 10 years in UTI Banking & PSU Fund - Direct Plan - Growth Option = ₹1,200,000 invested. It would currently be worth ₹1,705,508 (multiplier 1.42×). XIRR: 6.83%. 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 - Growth Option ranks #1 out of 18 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 6.38%; this fund delivered 7.63%.

The worst peak-to-trough decline UTI Banking & PSU Fund - Direct Plan - Growth Option 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 - Growth Option averaged 6.46% (best 8.13%, worst 4.65%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.35 — weak risk-adjusted performance.

In calendar year 2025, UTI Banking & PSU Fund - Direct Plan - Growth Option returned 8.02% — beating the Banking & PSU Fund category average of 7.73% by 0.29 pp. It ranked #4 of 21 in its category that year.

UTI Banking & PSU Fund - Direct Plan - Growth Option 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 - Growth Option 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: 7.63%.

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 - Growth Option

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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