Should I invest in UTI Banking Sector Fund-Income Option?

We don't give personal investment advice. UTI Banking Sector Fund-Income Option is suitable for an investor whose:time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a lossrisk tolerance accepts seeing the portfolio fall sharply without panic-sellinggoal isn't capital preservation in the short termCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 22.5%. 5-year CAGR: 12.42%.

UTI

UTI Banking Sector Fund-Income Option

Latest NAV

₹77.8713

As of

17 Jul 2026

4,990 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	+1.18%	-0.07%	+1.25	2 / 122	Q1
1W	+0.32%	-0.15%	+0.47	30 / 122	Q1
2W	+0.68%	-0.13%	+0.81	20 / 122	Q1
1M	+3.39%	+1.33%	+2.06	20 / 122	Q1
3M	+3.61%	+3.32%	+0.29	48 / 122	Q2
6M	+0.47%	+2.87%	-2.40	66 / 122	Q3
YTD	+0.63%	+1.43%	-0.80	60 / 122	Q2
1Y	+4.08%	+2.53%	+1.54	46 / 120	Q2
2Y	+7.96%	+1.69%	+6.27	21 / 116	Q1
3Y	+12.97%	+13.72%	-0.75	58 / 114	Q3
4Y	+16.67%	+15.46%	+1.21	52 / 106	Q2
5Y	+12.42%	+12.16%	+0.25	49 / 104	Q2
7Y	+10.76%	+15.00%	-4.24	80 / 99	Q4
10Y	+9.81%	+11.50%	-1.70	66 / 93	Q3
Inception	+8.96%	+11.17%	-2.21	78 / 122	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	+0.63%	+1.37%	-0.75	58 / 118
2025	+15.71%	+3.20%	+12.52	17 / 115
2024	+10.83%	+19.60%	-8.77	89 / 113
2023	+19.34%	+31.56%	-12.22	95 / 108
2022	+15.08%	+2.19%	+12.90	13 / 104
2021	+14.20%	+32.41%	-18.21	89 / 102
2020	-5.53%	+18.32%	-23.85	95 / 100
2019	+10.67%	+5.50%	+5.17	22 / 97
2018	-6.29%	-10.07%	+3.77	35 / 94
2017	+43.09%	+30.10%	+12.99	16 / 93
2016	+3.18%	-0.25%	+3.43	29 / 93

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

+12.26%

236 windows

min -49.5% · max 107.6%

70% positive

3-Year rolling

+9.26%

211 windows

min -14.3% · max 30.7%

86% positive

5-Year rolling

+8.31%

187 windows

min -6.4% · max 27.7%

90% positive

7-Year rolling

+8.01%

163 windows

min -0.6% · max 14.4%

99% 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

14.36%

3-year · annualised

Sharpe ratio

0.47

vs risk-free 6.5%

Sortino ratio

0.83

Downside-only deviation

Max drawdown

-16.60%

Feb 2026 → Mar 2026

% positive months

61.1%

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 Sectoral/Thematic Fund

Scheme	Fund house	NAV	As of
HDFC Banking & Financial Services Fund - Growth Option	HDFC	₹18.4020	17 Jul 2026
Nippon India Japan Equity Fund- Growth Plan- Bonus Option	Nippon India	₹27.0439	17 Jul 2026
Magnum Equity Fund -Dividend	SBI	₹75.2678	17 Jul 2026
ICICI Prudential Active Momentum Fund - Growth	ICICI Prudential	₹10.7400	17 Jul 2026
Franklin Asian Equity Fund - Dividend Plan	Franklin Templeton	₹20.5340	17 Jul 2026
Franklin India Multi-Factor Fund- Growth	Franklin India	₹9.5442	17 Jul 2026
Kotak Infrastructure & Economic Reform Fund - Standard Plan-Growth	Kotak	₹68.7640	17 Jul 2026
Canara Robeco Infrastructure-DIVIDEND	Canara Robeco	₹64.5500	17 Jul 2026
UTI - MNC Fund (UGS 10000)-Growth Option	UTI	₹397.9086	17 Jul 2026
BANK OF INDIA Manufacturing & Infrastructure Fund-Growth	Bank of India	₹66.3400	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹77.8713
16 Jul 2026	₹76.9638
15 Jul 2026	₹77.4330
14 Jul 2026	₹76.7999
13 Jul 2026	₹77.7374
10 Jul 2026	₹77.6204
9 Jul 2026	₹76.5832
8 Jul 2026	₹75.9908
7 Jul 2026	₹77.8545
6 Jul 2026	₹77.6753

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 Sector Fund-Income Option is ₹77.8713. It's a Sectoral/Thematic Fund from UTI, run as a Unknown plan Growth option. NAVs update once per business day from the AMFI feed.

UTI Banking Sector Fund-Income Option has NAV history starting from 03 Apr 2006, a track record of about 20 years 3 months. Long-tenured funds like this have weathered multiple market cycles — the 2008 crash, 2013 taper tantrum, 2020 COVID drawdown — which makes their returns more credible than a 3-year track record alone.

UTI Banking Sector Fund-Income Option is managed by UTI. It's classified by AMFI under the 'Sectoral/Thematic Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, UTI Banking Sector Fund-Income Option has delivered a absolute return of 4.08% — +1.54 pp ahead of the Sectoral/Thematic Fund category average of 2.53%. The fund ranks #46 of 120 in its category — the second (Q2) quartile.

Over the trailing 3-year window, UTI Banking Sector Fund-Income Option has delivered a CAGR of 12.97% — -0.75 pp behind the Sectoral/Thematic Fund category average of 13.72%. The fund ranks #58 of 114 in its category — the third (Q3) quartile.

Over the trailing 5-year window, UTI Banking Sector Fund-Income Option has delivered a CAGR of 12.42% — +0.25 pp ahead of the Sectoral/Thematic Fund category average of 12.16%. The fund ranks #49 of 104 in its category — the second (Q2) quartile.

₹1 lakh invested in UTI Banking Sector Fund-Income Option exactly 10 years ago would be worth approximately ₹254,831 today — a multiplier of 2.55×, based on the 10-year CAGR of 9.81%. The category average over the same window would have grown ₹1 lakh to ₹297,061.

A ₹10,000 monthly SIP in UTI Banking Sector Fund-Income Option over the last 5 years — total invested ₹600,000 — would be worth ₹829,443 today. That's an XIRR (money-weighted annualised return) of 12.91%.

A ₹10,000 monthly SIP for 10 years in UTI Banking Sector Fund-Income Option = ₹1,200,000 invested. It would currently be worth ₹2,198,904 (multiplier 1.83×). XIRR: 11.65%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, UTI Banking Sector Fund-Income Option ranks #49 out of 104 funds in the Sectoral/Thematic Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 12.16%; this fund delivered 12.42%.

The worst peak-to-trough decline UTI Banking Sector Fund-Income Option has experienced over the last 5-year window is 22.52% — its NAV fell from a high on 26 Oct 2021 to a low on 16 Jun 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 Sector Fund-Income Option averaged 8.31% (best 27.68%, worst -6.42%). 90% of rolling windows ended positive. The 5-year Sharpe ratio is 0.39 — weak risk-adjusted performance.

In calendar year 2025, UTI Banking Sector Fund-Income Option returned 15.71% — beating the Sectoral/Thematic Fund category average of 3.20% by 12.52 pp. It ranked #17 of 115 in its category that year.

UTI Banking Sector Fund-Income Option is classified as an Equity fund (at least 65% equity exposure). Tax rules (post Budget 2024): if you hold 12 months or more, gains are Long-Term and taxed at 12.5% on the amount exceeding ₹1.25 lakh per financial year. Held for under 12 months, gains are Short-Term and taxed at 20%. The ₹1.25 L exemption is per PAN per FY across all equity LTCG.

We don't give personal investment advice. UTI Banking Sector Fund-Income Option is suitable for an investor whose:

time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a loss
risk tolerance accepts seeing the portfolio fall sharply without panic-selling
goal isn't capital preservation in the short term

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 22.5%. 5-year CAGR: 12.42%.

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