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

We don't give personal investment advice. UTI Banking & PSU Fund - Direct Plan - Monthly 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: 3.0%. 5-year CAGR: 2.51%.

UTI

UTI Banking & PSU Fund - Direct Plan - Monthly IDCW

Latest NAV

₹13.5468

As of

3 Jun 2026

2,519 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	-0.34%	+0.04%	-0.37	60 / 60	Q4
1W	-0.14%	+0.18%	-0.33	58 / 60	Q4
2W	-0.20%	+0.25%	-0.45	57 / 60	Q4
1M	-0.54%	+0.10%	-0.64	58 / 60	Q4
3M	-0.45%	-0.18%	-0.27	45 / 60	Q3
6M	-0.05%	+0.11%	-0.17	28 / 60	Q2
YTD	-0.37%	+0.01%	-0.38	48 / 60	Q4
1Y	+0.22%	+0.62%	-0.40	17 / 60	Q2
2Y	+2.33%	+2.02%	+0.31	18 / 60	Q2
3Y	+2.23%	+1.80%	+0.43	17 / 57	Q2
4Y	+2.41%	+1.90%	+0.51	15 / 51	Q2
5Y	+2.51%	+1.49%	+1.02	14 / 50	Q2
7Y	+2.38%	+1.49%	+0.89	13 / 47	Q2
10Y	+2.69%	+1.37%	+1.32	9 / 37	Q1
Inception	+2.73%	+1.97%	+0.75	18 / 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	-0.37%	-0.12%	-0.25	41 / 51
2025	+3.30%	+2.37%	+0.93	15 / 52
2024	+2.97%	+2.35%	+0.63	17 / 53
2023	+2.06%	+2.08%	-0.02	17 / 51
2022	+5.25%	+1.10%	+4.15	5 / 50
2021	-2.01%	-0.84%	-1.17	44 / 50
2020	+4.05%	+2.60%	+1.45	16 / 47
2019	-5.38%	+1.86%	-7.25	44 / 45
2018	+3.69%	+1.66%	+2.03	9 / 46
2017	+6.34%	+0.89%	+5.45	2 / 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

+2.73%

117 windows

min -5.6% · max 11.4%

80% positive

3-Year rolling

+2.03%

92 windows

min -1.2% · max 6.2%

85% positive

5-Year rolling

+1.88%

68 windows

min 0.7% · max 3.7%

100% positive

7-Year rolling

+1.95%

44 windows

min 1.3% · max 3.2%

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

1.35%

3-year · annualised

Sharpe ratio

-3.18

vs risk-free 6.5%

Sortino ratio

-6.77

Downside-only deviation

Max drawdown

-0.62%

Sep 2023 → Oct 2023

% positive months

69.4%

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	₹13.5468
2 Jun 2026	₹13.5452
1 Jun 2026	₹13.5911
29 May 2026	₹13.5795
27 May 2026	₹13.5695
26 May 2026	₹13.5643
25 May 2026	₹13.5644
22 May 2026	₹13.5548
21 May 2026	₹13.5522
20 May 2026	₹13.5662

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 - Monthly IDCW is ₹13.5468. 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 - Monthly IDCW has NAV history starting from 26 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 - Monthly 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 - Monthly IDCW has delivered a absolute return of 0.22% — -0.4 pp behind the Banking & PSU Fund category average of 0.62%. The fund ranks #17 of 60 in its category — the second (Q2) quartile.

Over the trailing 3-year window, UTI Banking & PSU Fund - Direct Plan - Monthly IDCW has delivered a CAGR of 2.23% — +0.43 pp ahead of the Banking & PSU Fund category average of 1.80%. The fund ranks #17 of 57 in its category — the second (Q2) quartile.

Over the trailing 5-year window, UTI Banking & PSU Fund - Direct Plan - Monthly IDCW has delivered a CAGR of 2.51% — +1.02 pp ahead of the Banking & PSU Fund category average of 1.49%. The fund ranks #14 of 50 in its category — the second (Q2) quartile.

₹1 lakh invested in UTI Banking & PSU Fund - Direct Plan - Monthly IDCW exactly 10 years ago would be worth approximately ₹130,408 today — a multiplier of 1.30×, based on the 10-year CAGR of 2.69%. 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 - Monthly IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹638,385 today. That's an XIRR (money-weighted annualised return) of 2.44%.

A ₹10,000 monthly SIP for 10 years in UTI Banking & PSU Fund - Direct Plan - Monthly IDCW = ₹1,200,000 invested. It would currently be worth ₹1,333,560 (multiplier 1.11×). XIRR: 2.08%. 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 - Monthly IDCW ranks #14 out of 50 funds in the Banking & PSU Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 1.49%; this fund delivered 2.51%.

The worst peak-to-trough decline UTI Banking & PSU Fund - Direct Plan - Monthly IDCW has experienced over the last 5-year window is 3.00% — its NAV fell from a high on 14 Jun 2021 to a low on 05 May 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 - Monthly IDCW averaged 1.88% (best 3.69%, worst 0.72%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -1.57 — negative risk-adjusted performance.

In calendar year 2025, UTI Banking & PSU Fund - Direct Plan - Monthly IDCW returned 3.30% — beating the Banking & PSU Fund category average of 2.37% by 0.93 pp. It ranked #15 of 52 in its category that year.

UTI Banking & PSU Fund - Direct Plan - Monthly 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 - Monthly 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: 3.0%. 5-year CAGR: 2.51%.

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