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: 10.26%.

UTI

UTI Banking Sector Fund-Income Option

Latest NAV

₹71.1211

As of

3 Jun 2026

4,959 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	-0.31%	+0.28%	-0.59	109 / 122	Q4
1W	-3.80%	-1.28%	-2.52	122 / 122	Q4
2W	-1.66%	+0.09%	-1.75	105 / 122	Q4
1M	-3.22%	-0.62%	-2.61	108 / 122	Q4
3M	-9.12%	+1.50%	-10.62	119 / 122	Q4
6M	-8.01%	-2.06%	-5.96	91 / 122	Q3
YTD	-8.41%	-1.85%	-6.56	93 / 122	Q4
1Y	-3.15%	+2.44%	-5.59	83 / 119	Q3
2Y	+5.40%	+3.47%	+1.93	37 / 116	Q2
3Y	+11.55%	+14.90%	-3.34	77 / 112	Q3
4Y	+14.02%	+14.65%	-0.64	60 / 105	Q3
5Y	+10.26%	+12.36%	-2.11	66 / 104	Q3
7Y	+8.12%	+13.76%	-5.64	86 / 99	Q4
10Y	+9.56%	+11.67%	-2.10	68 / 93	Q3
Inception	+8.51%	+10.81%	-2.30	83 / 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	-8.41%	-2.01%	-6.40	89 / 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

+12.63%

234 windows

min -50.4% · max 93.1%

71% positive

3-Year rolling

+9.01%

210 windows

min -15.2% · max 32.7%

86% positive

5-Year rolling

+8.14%

185 windows

min -7.3% · max 24.2%

91% positive

7-Year rolling

+7.99%

161 windows

min -1.1% · max 13.7%

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

13.54%

3-year · annualised

Sharpe ratio

0.40

vs risk-free 6.5%

Sortino ratio

0.61

Downside-only deviation

Max drawdown

-16.60%

Feb 2026 → Mar 2026

% positive months

58.3%

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	₹16.8310	3 Jun 2026
Nippon India Japan Equity Fund- Growth Plan- Bonus Option	Nippon India	₹27.7005	3 Jun 2026
Magnum Equity Fund -Dividend	SBI	₹71.4772	3 Jun 2026
ICICI Prudential Active Momentum Fund - Growth	ICICI Prudential	₹10.5700	3 Jun 2026
Franklin Asian Equity Fund - Dividend Plan	Franklin Templeton	₹21.5824	3 Jun 2026
Franklin India Multi-Factor Fund- Growth	Franklin India	₹9.2801	3 Jun 2026
Kotak Infrastructure & Economic Reform Fund - Standard Plan-Growth	Kotak	₹67.0980	3 Jun 2026
Canara Robeco Infrastructure-DIVIDEND	Canara Robeco	₹64.3200	3 Jun 2026
UTI - MNC Fund (UGS 10000)-Growth Option	UTI	₹382.6597	3 Jun 2026
BANK OF INDIA Manufacturing & Infrastructure Fund-Growth	Bank of India	₹62.7500	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹71.1211
2 Jun 2026	₹70.8757
1 Jun 2026	₹71.0980
29 May 2026	₹72.0714
27 May 2026	₹73.1858
26 May 2026	₹73.6751
25 May 2026	₹74.1488
22 May 2026	₹72.6288
21 May 2026	₹71.8818
20 May 2026	₹72.0527

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 Sector Fund-Income Option is ₹71.1211. 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 2 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 -3.15% — -5.59 pp behind the Sectoral/Thematic Fund category average of 2.44%. The fund ranks #83 of 119 in its category — the third (Q3) quartile.

Over the trailing 3-year window, UTI Banking Sector Fund-Income Option has delivered a CAGR of 11.55% — -3.34 pp behind the Sectoral/Thematic Fund category average of 14.90%. The fund ranks #77 of 112 in its category — the third (Q3) quartile.

Over the trailing 5-year window, UTI Banking Sector Fund-Income Option has delivered a CAGR of 10.26% — -2.11 pp behind the Sectoral/Thematic Fund category average of 12.36%. The fund ranks #66 of 104 in its category — the third (Q3) quartile.

₹1 lakh invested in UTI Banking Sector Fund-Income Option exactly 10 years ago would be worth approximately ₹249,252 today — a multiplier of 2.49×, based on the 10-year CAGR of 9.56%. The category average over the same window would have grown ₹1 lakh to ₹301,430.

A ₹10,000 monthly SIP in UTI Banking Sector Fund-Income Option over the last 5 years — total invested ₹600,000 — would be worth ₹766,417 today. That's an XIRR (money-weighted annualised return) of 9.72%.

A ₹10,000 monthly SIP for 10 years in UTI Banking Sector Fund-Income Option = ₹1,200,000 invested. It would currently be worth ₹2,021,253 (multiplier 1.68×). XIRR: 10.06%. 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 #66 out of 104 funds in the Sectoral/Thematic Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 12.36%; this fund delivered 10.26%.

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 8.14% (best 24.21%, worst -7.28%). 91% of rolling windows ended positive. The 5-year Sharpe ratio is 0.30 — 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: 10.26%.

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