Should I invest in UTI Banking & PSU Fund?

We don't give personal investment advice. UTI Banking & PSU Fund- Regular 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: 1.2%. 5-year CAGR: 7.17%.

UTI

UTI Banking & PSU Fund- Regular Plan - Growth Option

Latest NAV

₹23.0145

As of

3 Jun 2026

2,969 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%	+0.05%	-0.03	11 / 13	Q4
1W	+0.22%	+0.24%	-0.01	10 / 13	Q4
2W	+0.16%	+0.30%	-0.14	12 / 13	Q4
1M	+0.17%	+0.16%	+0.01	7 / 13	Q3
3M	+0.96%	+0.37%	+0.59	2 / 13	Q1
6M	+2.05%	+1.33%	+0.72	2 / 13	Q1
YTD	+1.75%	+0.96%	+0.79	1 / 13	Q1
1Y	+4.88%	+3.78%	+1.10	2 / 13	Q1
2Y	+7.00%	+6.45%	+0.55	2 / 13	Q1
3Y	+6.73%	+6.37%	+0.36	1 / 11	Q1
4Y	+6.96%	+6.50%	+0.47	1 / 9	Q1
5Y	+7.17%	+5.71%	+1.46	1 / 9	Q1
7Y	+7.07%	+6.54%	+0.53	1 / 7	Q1
10Y	+6.49%	+6.67%	-0.18	5 / 6	Q4
Inception	+6.98%	+6.75%	+0.24	7 / 13	Q3

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	+1.75%	+0.99%	+0.75	1 / 12
2025	+7.78%	+7.22%	+0.56	1 / 12
2024	+7.58%	+7.78%	-0.20	9 / 12
2023	+6.68%	+6.50%	+0.18	3 / 11
2022	+10.32%	+3.77%	+6.54	1 / 9
2021	+2.76%	+3.32%	-0.56	8 / 9
2020	+8.82%	+10.37%	-1.55	7 / 7
2019	-1.03%	+9.03%	-10.06	7 / 7
2018	+6.72%	+6.84%	-0.12	5 / 7
2017	+6.27%	+5.26%	+1.00	3 / 8
2016	+11.52%	+9.05%	+2.47	1 / 7

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

+7.00%

138 windows

min -1.3% · max 12.3%

96% positive

3-Year rolling

+6.67%

114 windows

min 3.5% · max 9.7%

100% positive

5-Year rolling

+6.28%

90 windows

min 4.5% · max 8.0%

100% positive

7-Year rolling

+6.25%

65 windows

min 5.8% · max 7.3%

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

0.98%

3-year · annualised

Sharpe ratio

0.04

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 Paln - Growth	SBI	₹3,235.7419	3 Jun 2026
Invesco India Banking and PSU Fund - Regular Plan - Growth Option	Invesco	₹2,344.7714	3 Jun 2026
Bandhan Banking and PSU Fund - Regular Growth	Bandhan	₹25.6248	3 Jun 2026
Mirae Asset Banking and PSU Fund - Regular Plan - Growth	Mirae Asset	₹13.3762	3 Jun 2026
Edelweiss Banking and PSU Debt Fund - Regular Plan - Growth Option	Edelweiss	₹25.5061	3 Jun 2026
DSP Banking & PSU Debt Fund - Regular Plan - Growth	DSP	₹24.7723	3 Jun 2026
HSBC Banking and PSU Debt Fund - Regular Growth	HSBC	₹25.1821	3 Jun 2026
Canara Robeco Banking and PSU Debt Fund- Regular Plan- Growth Option	Canara Robeco	₹12.4870	3 Jun 2026
Axis Banking & PSU Debt Fund - Regular Plan - Growth option	Axis	₹2,740.3004	3 Jun 2026
Bajaj Finserv Banking and PSU Fund- Regular Plan- Growth	Bajaj Finserv	₹11.7756	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹23.0145
2 Jun 2026	₹23.0119
1 Jun 2026	₹23.0051
29 May 2026	₹22.9860
27 May 2026	₹22.9694
26 May 2026	₹22.9607
25 May 2026	₹22.9610
22 May 2026	₹22.9452
21 May 2026	₹22.9409
20 May 2026	₹22.9648

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- Regular Plan - Growth Option is ₹23.0145. It's a Banking & PSU Fund from UTI, run as a Regular plan Growth option. NAVs update once per business day from the AMFI feed.

UTI Banking & PSU Fund- Regular Plan - Growth Option has NAV history starting from 06 Feb 2014, a track record of about 12 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- Regular 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- Regular Plan - Growth Option has delivered a absolute return of 4.88% — +1.1 pp ahead of the Banking & PSU Fund category average of 3.78%. The fund ranks #2 of 13 in its category — the top (Q1) quartile.

Over the trailing 3-year window, UTI Banking & PSU Fund- Regular Plan - Growth Option has delivered a CAGR of 6.73% — +0.36 pp ahead of the Banking & PSU Fund category average of 6.37%. The fund ranks #1 of 11 in its category — the top (Q1) quartile.

Over the trailing 5-year window, UTI Banking & PSU Fund- Regular Plan - Growth Option has delivered a CAGR of 7.17% — +1.46 pp ahead of the Banking & PSU Fund category average of 5.71%. The fund ranks #1 of 9 in its category — the top (Q1) quartile.

₹1 lakh invested in UTI Banking & PSU Fund- Regular Plan - Growth Option exactly 10 years ago would be worth approximately ₹187,589 today — a multiplier of 1.88×, based on the 10-year CAGR of 6.49%. The category average over the same window would have grown ₹1 lakh to ₹190,730.

A ₹10,000 monthly SIP in UTI Banking & PSU Fund- Regular Plan - Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹717,762 today. That's an XIRR (money-weighted annualised return) of 7.10%.

A ₹10,000 monthly SIP for 10 years in UTI Banking & PSU Fund- Regular Plan - Growth Option = ₹1,200,000 invested. It would currently be worth ₹1,679,584 (multiplier 1.40×). XIRR: 6.54%. 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- Regular Plan - Growth Option ranks #1 out of 9 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 5.71%; this fund delivered 7.17%.

The worst peak-to-trough decline UTI Banking & PSU Fund- Regular Plan - Growth Option 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 - Growth Option averaged 6.28% (best 8.04%, worst 4.46%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.19 — weak risk-adjusted performance.

In calendar year 2025, UTI Banking & PSU Fund- Regular Plan - Growth Option returned 7.78% — beating the Banking & PSU Fund category average of 7.22% by 0.56 pp. It ranked #1 of 12 in its category that year.

UTI Banking & PSU Fund- Regular 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- Regular 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: 1.2%. 5-year CAGR: 7.17%.

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

UTI Banking & PSU Fund- Regular 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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