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

We don't give personal investment advice. UTI Banking & PSU Fund - Regular Plan - Half-Yearly 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: 6.93%.

UTI

UTI Banking & PSU Fund - Regular Plan - Half-Yearly IDCW

Latest NAV

₹15.3690

As of

3 Jun 2026

2,424 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	35 / 46	Q4
1W	+0.22%	+0.20%	+0.03	28 / 46	Q3
2W	+0.16%	+0.19%	-0.03	34 / 46	Q3
1M	+0.17%	+0.10%	+0.07	18 / 46	Q2
3M	+0.96%	-0.11%	+1.07	6 / 45	Q1
6M	+2.05%	+0.36%	+1.69	9 / 45	Q1
YTD	+1.75%	+0.24%	+1.51	6 / 45	Q1
1Y	+4.88%	+1.36%	+3.52	6 / 45	Q1
2Y	+7.00%	+2.42%	+4.57	4 / 43	Q1
3Y	+6.73%	+1.94%	+4.79	4 / 37	Q1
4Y	+6.96%	+2.39%	+4.58	2 / 33	Q1
5Y	+6.93%	+2.05%	+4.88	2 / 33	Q1
7Y	+6.21%	+1.88%	+4.34	3 / 31	Q1
10Y	+4.36%	+1.70%	+2.67	3 / 25	Q1
Inception	+4.37%	+2.36%	+2.01	12 / 46	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	+1.75%	-0.15%	+1.89	3 / 36
2025	+7.78%	+2.43%	+5.35	3 / 37
2024	+7.59%	+2.68%	+4.90	9 / 39
2023	+6.68%	+2.17%	+4.51	5 / 37
2022	+10.32%	+1.72%	+8.59	2 / 33
2021	-1.12%	-0.47%	-0.65	24 / 33
2020	+6.87%	+2.88%	+3.99	8 / 31
2019	-3.32%	+2.39%	-5.71	27 / 30
2018	+2.46%	+1.46%	+1.00	8 / 29
2017	+0.37%	+0.94%	-0.57	12 / 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

+4.30%

110 windows

min -4.8% · max 12.3%

78% positive

3-Year rolling

+4.18%

86 windows

min -0.3% · max 8.9%

97% positive

5-Year rolling

+4.12%

62 windows

min 1.0% · max 7.0%

100% positive

7-Year rolling

+4.19%

37 windows

min 3.0% · max 6.4%

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

0.04

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 Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹1,476.2350	3 Jun 2026
Invesco India Banking and PSU Fund - Regular Plan - Daily IDCW (Reinvestment)	Invesco	₹1,049.2553	3 Jun 2026
Bandhan Banking and PSU Fund - Regular Annual IDCW	Bandhan	₹11.1380	3 Jun 2026
Mirae Asset Banking and PSU Fund - Regular plan - IDCW	Mirae Asset	₹13.3774	3 Jun 2026
Edelweiss Banking and PSU Debt Fund - Regular Plan - IDCW Option	Edelweiss	₹17.4365	3 Jun 2026
DSP Banking & PSU Debt Fund - Regular Plan - IDCW	DSP	₹10.3693	3 Jun 2026
HSBC Banking and PSU Debt Fund - Regular Daily IDCW	HSBC	₹11.0969	3 Jun 2026
Canara Robeco Banking and PSU Debt Fund- Regular Plan- IDCW (Payout/ Reinvestment)	Canara Robeco	₹10.7432	3 Jun 2026
UTI Banking & PSU Fund - Regular Plan - Annual IDCW	UTI	₹13.1500	3 Jun 2026
Axis Banking & PSU Debt Fund - Regular Plan - Daily IDCW	Axis	₹1,037.7295	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹15.3690
2 Jun 2026	₹15.3673
1 Jun 2026	₹15.3628
29 May 2026	₹15.3500
27 May 2026	₹15.3389
26 May 2026	₹15.3331
25 May 2026	₹15.3333
22 May 2026	₹15.3228
21 May 2026	₹15.3199
20 May 2026	₹15.3359

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 - Half-Yearly IDCW is ₹15.3690. 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 - Half-Yearly IDCW has NAV history starting from 26 May 2016, a track record of about 10 years. 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 - Half-Yearly 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 - Half-Yearly IDCW has delivered a absolute return of 4.88% — +3.52 pp ahead of the Banking & PSU Fund category average of 1.36%. 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 - Half-Yearly IDCW has delivered a CAGR of 6.73% — +4.79 pp ahead of the Banking & PSU Fund category average of 1.94%. The fund ranks #4 of 37 in its category — the top (Q1) quartile.

Over the trailing 5-year window, UTI Banking & PSU Fund - Regular Plan - Half-Yearly IDCW has delivered a CAGR of 6.93% — +4.88 pp ahead of the Banking & PSU Fund category average of 2.05%. The fund ranks #2 of 33 in its category — the top (Q1) quartile.

₹1 lakh invested in UTI Banking & PSU Fund - Regular Plan - Half-Yearly IDCW exactly 10 years ago would be worth approximately ₹153,283 today — a multiplier of 1.53×, based on the 10-year CAGR of 4.36%. The category average over the same window would have grown ₹1 lakh to ₹118,304.

A ₹10,000 monthly SIP in UTI Banking & PSU Fund - Regular Plan - Half-Yearly IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹717,126 today. That's an XIRR (money-weighted annualised return) of 7.06%.

A ₹10,000 monthly SIP for 10 years in UTI Banking & PSU Fund - Regular Plan - Half-Yearly IDCW = ₹1,200,000 invested. It would currently be worth ₹1,588,448 (multiplier 1.32×). XIRR: 5.47%. 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 - Half-Yearly IDCW ranks #2 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 2.05%; this fund delivered 6.93%.

The worst peak-to-trough decline UTI Banking & PSU Fund - Regular Plan - Half-Yearly 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 - Half-Yearly IDCW averaged 4.12% (best 6.96%, worst 0.95%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.10 — weak risk-adjusted performance.

In calendar year 2025, UTI Banking & PSU Fund - Regular Plan - Half-Yearly IDCW returned 7.78% — beating the Banking & PSU Fund category average of 2.43% by 5.35 pp. It ranked #3 of 37 in its category that year.

UTI Banking & PSU Fund - Regular Plan - Half-Yearly 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 - Half-Yearly 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: 6.93%.

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