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

We don't give personal investment advice. UTI Banking & PSU Fund - Regular 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: 1.2%. 5-year CAGR: 7.36%.

UTI

UTI Banking & PSU Fund - Regular Plan - Flexi IDCW

Latest NAV

₹15.6233

As of

17 Jul 2026

2,400 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	4 / 46	Q1
1W	+0.08%	-0.01%	+0.09	11 / 46	Q1
2W	+0.07%	-0.11%	+0.18	6 / 46	Q1
1M	+0.64%	+0.03%	+0.62	7 / 46	Q1
3M	+1.47%	+0.55%	+0.92	14 / 45	Q2
6M	+3.10%	+1.10%	+2.00	8 / 45	Q1
YTD	+3.01%	+0.74%	+2.27	6 / 45	Q1
1Y	+5.44%	+1.85%	+3.59	6 / 45	Q1
2Y	+7.17%	+2.54%	+4.63	3 / 43	Q1
3Y	+7.01%	+2.10%	+4.91	2 / 37	Q1
4Y	+6.92%	+2.35%	+4.57	1 / 34	Q1
5Y	+7.36%	+2.15%	+5.21	1 / 33	Q1
7Y	+6.20%	+1.81%	+4.39	2 / 31	Q1
10Y	+4.56%	+1.82%	+2.74	3 / 26	Q1
Inception	+4.60%	+2.40%	+2.20	11 / 46	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	+3.01%	+0.48%	+2.53	3 / 36
2025	+7.78%	+2.43%	+5.35	2 / 37
2024	+7.59%	+2.68%	+4.90	8 / 39
2023	+6.68%	+2.17%	+4.51	6 / 37
2022	+10.32%	+1.72%	+8.59	1 / 33
2021	-1.78%	-0.47%	-1.31	27 / 33
2020	+8.82%	+2.88%	+5.94	3 / 31
2019	-4.67%	+2.39%	-7.06	29 / 30
2018	+0.88%	+1.46%	-0.59	12 / 29
2017	+3.25%	+0.94%	+2.31	6 / 34
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

+4.45%

109 windows

min -4.7% · max 13.4%

72% positive

3-Year rolling

+4.43%

85 windows

min -0.5% · max 9.1%

95% positive

5-Year rolling

+4.43%

61 windows

min 1.2% · max 7.4%

100% positive

7-Year rolling

+4.37%

36 windows

min 3.1% · max 6.5%

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

1.02%

3-year · annualised

Sharpe ratio

0.31

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
SBI Banking & PSU Fund - Regular Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹1,501.8744	17 Jul 2026
Invesco India Banking and PSU Fund - Regular Plan - Daily IDCW (Reinvestment)	Invesco	₹1,049.8531	17 Jul 2026
Bandhan Banking and PSU Fund - Regular Annual IDCW	Bandhan	₹11.3500	17 Jul 2026
Mirae Asset Banking and PSU Fund - Regular plan - IDCW	Mirae Asset	₹13.5966	17 Jul 2026
Edelweiss Banking and PSU Debt Fund - Regular Plan - IDCW Option	Edelweiss	₹17.6764	17 Jul 2026
DSP Banking & PSU Debt Fund - Regular Plan - IDCW	DSP	₹10.5865	17 Jul 2026
HSBC Banking and PSU Debt Fund - Regular Daily IDCW	HSBC	₹11.0910	17 Jul 2026
Canara Robeco Banking and PSU Debt Fund- Regular Plan- IDCW (Payout/ Reinvestment)	Canara Robeco	₹10.6618	17 Jul 2026
UTI Banking & PSU Fund - Regular Plan - Annual IDCW	UTI	₹13.3115	17 Jul 2026
Axis Banking & PSU Debt Fund - Regular Plan - Daily IDCW	Axis	₹1,037.3339	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹15.6233
16 Jul 2026	₹15.6157
15 Jul 2026	₹15.6081
14 Jul 2026	₹15.6058
13 Jul 2026	₹15.6147
10 Jul 2026	₹15.6109
9 Jul 2026	₹15.6072
8 Jul 2026	₹15.5991
7 Jul 2026	₹15.6093
6 Jul 2026	₹15.6163

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 - Regular Plan - Flexi IDCW is ₹15.6233. It's a Banking & PSU Fund from UTI, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

UTI Banking & PSU Fund - Regular Plan - Flexi IDCW has NAV history starting from 12 Aug 2016, a track record of about 9 years 11 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 - Regular 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 - Regular Plan - Flexi IDCW has delivered a absolute return of 5.44% — +3.59 pp ahead of the Banking & PSU Fund category average of 1.85%. The fund ranks #6 of 45 in its category — the top (Q1) quartile.

Over the trailing 3-year window, UTI Banking & PSU Fund - Regular Plan - Flexi IDCW has delivered a CAGR of 7.01% — +4.91 pp ahead of the Banking & PSU Fund category average of 2.10%. The fund ranks #2 of 37 in its category — the top (Q1) quartile.

Over the trailing 5-year window, UTI Banking & PSU Fund - Regular Plan - Flexi IDCW has delivered a CAGR of 7.36% — +5.21 pp ahead of the Banking & PSU Fund category average of 2.15%. The fund ranks #1 of 33 in its category — the top (Q1) quartile.

₹1 lakh invested in UTI Banking & PSU Fund - Regular Plan - Flexi IDCW exactly 10 years ago would be worth approximately ₹156,257 today — a multiplier of 1.56×, based on the 10-year CAGR of 4.56%. The category average over the same window would have grown ₹1 lakh to ₹119,772.

A ₹10,000 monthly SIP in UTI Banking & PSU Fund - Regular Plan - Flexi IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹719,998 today. That's an XIRR (money-weighted annualised return) of 7.22%.

UTI Banking & PSU Fund - Regular Plan - Flexi IDCW doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,067,942 — XIRR 6.75%.

On a 5-year basis, UTI Banking & PSU Fund - Regular Plan - Flexi IDCW ranks #1 out of 33 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 2.15%; this fund delivered 7.36%.

The worst peak-to-trough decline UTI Banking & PSU Fund - Regular Plan - Flexi IDCW has experienced over the last 5-year window is 1.18% — 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 - Regular Plan - Flexi IDCW averaged 4.43% (best 7.36%, worst 1.17%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.25 — weak risk-adjusted performance.

In calendar year 2025, UTI Banking & PSU Fund - Regular Plan - Flexi IDCW returned 7.78% — beating the Banking & PSU Fund category average of 2.43% by 5.35 pp. It ranked #2 of 37 in its category that year.

UTI Banking & PSU Fund - Regular 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 - Regular 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: 1.2%. 5-year CAGR: 7.36%.

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