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

We don't give personal investment advice. UTI Banking & PSU Fund - Regular 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: 3.2%. 5-year CAGR: 2.19%.

UTI

UTI Banking & PSU Fund - Regular Plan - Monthly IDCW

Latest NAV

₹13.2818

As of

3 Jun 2026

2,510 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	-0.35%	+0.04%	-0.38	46 / 46	Q4
1W	-0.15%	+0.20%	-0.35	45 / 46	Q4
2W	-0.21%	+0.19%	-0.40	42 / 46	Q4
1M	-0.58%	+0.10%	-0.68	45 / 46	Q4
3M	-0.55%	-0.11%	-0.44	38 / 45	Q4
6M	-0.22%	+0.36%	-0.59	33 / 45	Q3
YTD	-0.52%	+0.24%	-0.76	38 / 45	Q4
1Y	-0.12%	+1.36%	-1.48	29 / 45	Q3
2Y	+2.02%	+2.42%	-0.41	17 / 43	Q2
3Y	+1.90%	+1.94%	-0.04	12 / 37	Q2
4Y	+2.07%	+2.39%	-0.32	13 / 33	Q2
5Y	+2.19%	+2.05%	+0.14	12 / 33	Q2
7Y	+2.14%	+1.88%	+0.26	10 / 31	Q2
10Y	+2.49%	+1.70%	+0.80	8 / 25	Q2
Inception	+2.75%	+2.36%	+0.39	19 / 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	-0.52%	-0.15%	-0.37	29 / 36
2025	+2.99%	+2.43%	+0.56	12 / 37
2024	+2.64%	+2.68%	-0.04	14 / 39
2023	+1.68%	+2.17%	-0.49	14 / 37
2022	+4.98%	+1.72%	+3.25	5 / 33
2021	-2.16%	-0.47%	-1.69	30 / 33
2020	+3.98%	+2.88%	+1.10	12 / 31
2019	-5.48%	+2.39%	-7.87	30 / 30
2018	+3.59%	+1.46%	+2.12	5 / 29
2017	+6.27%	+0.94%	+5.33	1 / 34
2016	+11.15%	+2.13%	+9.02	1 / 30

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

+2.57%

115 windows

min -5.7% · max 11.4%

79% positive

3-Year rolling

+1.80%

91 windows

min -1.3% · max 7.0%

85% positive

5-Year rolling

+1.66%

66 windows

min 0.5% · max 3.6%

100% positive

7-Year rolling

+1.74%

42 windows

min 1.1% · max 3.1%

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

1.36%

3-year · annualised

Sharpe ratio

-3.39

vs risk-free 6.5%

Sortino ratio

-6.67

Downside-only deviation

Max drawdown

-0.68%

Nov 2025 → Apr 2026

% positive months

66.7%

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	₹13.2818
2 Jun 2026	₹13.2803
1 Jun 2026	₹13.3263
29 May 2026	₹13.3153
27 May 2026	₹13.3056
26 May 2026	₹13.3006
25 May 2026	₹13.3008
22 May 2026	₹13.2917
21 May 2026	₹13.2892
20 May 2026	₹13.3030

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 - Monthly IDCW is ₹13.2818. 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 - Monthly IDCW has NAV history starting from 13 Jan 2016, a track record of about 10 years 4 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 - 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 - Regular Plan - Monthly IDCW has delivered a absolute return of -0.12% — -1.48 pp behind the Banking & PSU Fund category average of 1.36%. The fund ranks #29 of 45 in its category — the third (Q3) quartile.

Over the trailing 3-year window, UTI Banking & PSU Fund - Regular Plan - Monthly IDCW has delivered a CAGR of 1.90% — -0.04 pp behind the Banking & PSU Fund category average of 1.94%. The fund ranks #12 of 37 in its category — the second (Q2) quartile.

Over the trailing 5-year window, UTI Banking & PSU Fund - Regular Plan - Monthly IDCW has delivered a CAGR of 2.19% — +0.14 pp ahead of the Banking & PSU Fund category average of 2.05%. The fund ranks #12 of 33 in its category — the second (Q2) quartile.

₹1 lakh invested in UTI Banking & PSU Fund - Regular Plan - Monthly IDCW exactly 10 years ago would be worth approximately ₹127,895 today — a multiplier of 1.28×, based on the 10-year CAGR of 2.49%. 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 - Monthly IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹633,042 today. That's an XIRR (money-weighted annualised return) of 2.11%.

A ₹10,000 monthly SIP for 10 years in UTI Banking & PSU Fund - Regular Plan - Monthly IDCW = ₹1,200,000 invested. It would currently be worth ₹1,316,177 (multiplier 1.10×). XIRR: 1.82%. 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 - Monthly IDCW ranks #12 out of 33 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 2.05%; this fund delivered 2.19%.

The worst peak-to-trough decline UTI Banking & PSU Fund - Regular Plan - Monthly IDCW has experienced over the last 5-year window is 3.17% — 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 - Regular Plan - Monthly IDCW averaged 1.66% (best 3.59%, worst 0.55%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -1.69 — negative risk-adjusted performance.

In calendar year 2025, UTI Banking & PSU Fund - Regular Plan - Monthly IDCW returned 2.99% — beating the Banking & PSU Fund category average of 2.43% by 0.56 pp. It ranked #12 of 37 in its category that year.

UTI Banking & PSU Fund - Regular 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 - Regular 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: 3.2%. 5-year CAGR: 2.19%.

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