UTI-Banking and Financial Services Fund (IDCW)

Sectoral / Thematic

Invest Now

NAV
71.63(-0.07%)
Fund Size (CR)
₹1,350.29
Expense Ratio
2.07
Scheme Type
Active Fund
Value Research

Min. investment
₹5,000
Minimum Additional Investment
₹1,000
Minimum SIP Investment
₹500
Minimum Withdrawal
₹1
Exit Load
1%
Return Since Launch
14.05%

Absolute Return: -2.60%

Annualized Return: 0%

Basic Details

Scheme Manager

Amit Premchandani

Bench Mark

Nifty Financial Services TRI

Type

OPEN

Lumpsum Returns

Period Invested For	₹10,000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	June 3, 2026	10078.10	0.78%	-	-0.86%	102/1007
1 Month	May 8, 2026	9658.33	-3.42%	-	-2.84%	539/1007
3 Month	March 10, 2026	9533.73	-4.66%	-	3.11%	969/999
6 Month	December 10, 2025	9381.87	-6.18%	-	-0.32%	700/960
1 Year	June 10, 2025	9565.73	-4.34%	-4.34%	1.44%	623/876
3 Year	June 9, 2023	13983.56	39.84%	11.80%	16.36%	378/530
5 Year	June 10, 2021	16631.59	66.32%	10.70%	13.76%	314/434
Since Inception	April 7, 2004	184746.20	1747.46%	14.05%	9.98%	368/1007

Note: Lumpsum Returns since Inception Date.

SIP Returns

Period Invested For	₹10,000 Invested on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	July 1, 2025	1,20,000	298687.45	148.91%	148.91%
3 Year	July 3, 2023	3,60,000	1012856.24	181.35%	41.17%
5 Year	July 1, 2021	6,00,000	1980797.29	230.13%	26.98%
10 Year	July 1, 2016	12,00,000	5233370.16	336.11%	15.87%

Note: SIP Returns since Inception Date.

Tax Treatment

If sold after 1 year from purchase date, long term capital gain tax will be applicable. Current tax rate is 10%, if your total long term capital gain exceeds 1 lakh. Any cess/surcharge is not included.If sold before 1 year from purchase date, short term capital gain tax will be applicable. Current tax rate is 15%. Any cess/surcharge is not included in the 15%.

Mutual Funds Calculator

Monthly Investment (₹)

Minimum value allowed is 500

Expected Returns Rate (%)

Minimum value allowed is 1

Time Period (in Years)

Minimum value allowed is 1

Start your SIP now

Invested Amount
₹25,000
Estimated Returns
₹19,059

76%

Returns

Future value of your investment

₹44,059

Risk Ratios

4.35%

Standard Deviation

0.94%

Beta

0.39%

Sharpe Ratio

-0.01%

Treynor's Ratio

2.20%

Jension's Alpha

Asset Allocation

Sector Allocation

Top 10 stock holding in portfolio

Stock Invested in	% of Total Holdings	Quantity	Value (Cr)	Asset Type	Segment
HDFC Bank	17.08%	3075000	228.95	Equity	Banks
ICICI Bank	13.08%	1395000	175.27	Equity	Banks
SBI	8.98%	1248490	120.40	Equity	Banks
Axis Bank	7.87%	820000	105.50	Equity	Banks
Bajaj Finance	7.69%	1135000	103.09	Equity	Finance
Kotak Mah. Bank	7.31%	2550000	97.97	Equity	Banks
Shriram Finance	5.43%	767975	72.74	Equity	Finance
SBI Life Insuran	3.78%	277000	50.69	Equity	Insurance
Bajaj Finserv	3.27%	246000	43.88	Equity	Finance
Ujjivan Small	2.79%	6884317	37.44	Equity	Banks

Peer Comparison

Scheme Name	Asset Size (Cr)	1M	3M	6M	1Y	3Y
Nippon India Taiwan Equity Fund - Direct (G)	1138.67	1.75%	58.06%	96.99%	192.43%	61.66%
Nippon India Taiwan Equity Fund - Direct (IDCW)	1138.67	1.75%	58.06%	96.99%	192.43%	61.66%
Franklin Asian Equity Fund - Direct (G)	520.57	0.33%	14.85%	24.00%	44.65%	19.99%
Franklin Asian Equity Fund - Direct (IDCW)	520.57	0.33%	14.85%	24.00%	44.63%	19.98%
Nippon India Japan Equity Fund - Direct (G)	329.73	1.29%	9.39%	19.99%	34.19%	19.46%

List of Schemes under UTI Mutual Fund

Fund Name	Category	Risk	1Y Returns	Ratings	Fund Size (Cr)
UTI-Aggressive Hybrid Fund	Hybrid	Very High	-2.58%	4	₹6,473.37
UTI-Banking and Financial Services Fund	Equity	Very High	-3.35%	3	₹1,340.47
UTI-Medium to Long Duration Fund	Debt	Moderate	2.64%	3	₹300.50
UTI-Children's Equity Fund	Solution Oriented	Very High	-7.55%	0	₹1,087.38
UTI-Credit Risk Fund	Debt	Moderately High	6.38%	3	₹250.95
UTI-Dynamic Bond Fund	Debt	Moderately Low	4.18%	3	₹411.00
UTI-Flexi Cap Fund	Equity	Very High	-9.16%	1	₹22,248.38
UTI-ELSS Tax Saver Fund	Equity	Very High	-5.98%	2	₹3,399.99
UTI-Ultra Short Duration Fund	Debt	Moderate	6.31%	3	₹3,996.87
UTI-Gilt Fund	Debt	Moderate	3.74%	3	₹543.57
UTI-Infrastructure Fund	Equity	Very High	-2.18%	2	₹2,135.01
UTI-Liquid Fund	Debt	Moderate	6.29%	3	₹33,248.42
UTI-Large Cap Fund	Equity	Very High	-7.53%	3	₹11,852.52
UTI-Mid Cap Fund	Equity	Very High	-2.96%	2	₹11,870.75
UTI-Conservative Hybrid Fund	Hybrid	Moderately High	0.58%	3	₹1,641.13
UTI-MNC Fund	Equity	Very High	-0.44%	0	₹2,681.60
UTI-Money Market Fund	Debt	Moderate	6.05%	3	₹18,610.69
UTI-Nifty 50 Index Fund	Other	Very High	-6.74%	3	₹27,826.89
UTI-Value Fund	Equity	Very High	-5.14%	3	₹9,257.87
UTI-Healthcare Fund	Equity	Very High	11%	4	₹1,216.85
UTI-Short Duration Fund	Debt	Moderate	5.03%	3	₹2,405.20
UTI-Large & Mid Cap Fund	Equity	Very High	-0.81%	4	₹5,964.02
UTI-Transportation & Logistics Fund	Equity	Very High	4.99%	0	₹3,860.06
UTI-Low Duration Fund	Debt	Moderately Low	5.96%	2	₹3,151.17
UTI Multi Asset Allocation Fund	Hybrid	Very High	4.44%	3	₹6,922.05
UTI Dividend Yield Fund	Equity	Very High	-2.55%	0	₹3,697.48
UTI-Retirement Fund	Solution Oriented	High	-0.31%	0	₹4,607.75
UTI-Overnight Fund	Debt	Low	5.35%	3	₹4,258.58
UTI-India Consumer Fund	Equity	Very High	-5.53%	1	₹663.73
UTI-Unit Linked Insurance Plan	Hybrid	Moderately High	-2.11%	0	₹4,924.35
UTI-Arbitrage Fund	Hybrid	Low	6.49%	3	₹10,990.93
UTI-Annual Interval Fund - I	Debt	Moderately Low	5.3%	0	₹21.97
UTI-Banking & PSU Fund	Debt	Moderate	5.33%	3	₹1,226.91
UTI-Medium Duration Fund	Debt	Moderate	4.37%	2	₹36.03
UTI-Nifty Next 50 Index Fund	Other	Very High	1.04%	2	₹6,818.26
UTI-Corporate Bond Fund	Debt	Moderate	4.88%	3	₹5,338.49
UTI-Equity Savings Fund	Hybrid	Moderate	2.56%	4	₹822.88
UTI-Floater Fund	Debt	Moderately Low	5.74%	3	₹1,560.59
UTI-Children's Equity Fund	Solution Oriented	Very High	-7.55%	0	₹1,087.38
UTI-Children's Hybrid Fund	Solution Oriented	High	-2.21%	0	₹4,314.95
UTI-Small Cap Fund	Equity	Very High	-1.16%	3	₹4,970.44
UTI-Nifty200 Momentum 30 Index Fund	Other	Very High	-6.06%	1	₹8,433.23
UTI-Focused Fund	Equity	Very High	-6.29%	3	₹2,368.43
UTI-BSE Sensex Index Fund	Other	Very High	-9.5%	2	₹189.32
UTI-BSE Low Volatility Index Fund	Other	Very High	-5.44%	3	₹486.28
UTI-Nifty Midcap 150 Quality 50 Index Fund	Other	Very High	-6.19%	1	₹243.39
UTI-Gilt Fund with 10yr Constant Duration	Debt	Moderate	2.52%	0	₹112.31
UTI-Gold ETF Fund of Fund	Other	High	51.07%	5	₹1,413.01
UTI-CRISIL SDL Maturity April 2033 Index Fund	Other	Moderate	2.32%	0	₹264.09
UTI-CRISIL SDL Maturity June 2027 Index Fund	Other	Moderate	5.48%	0	₹64.80
UTI-Nifty SDL Plus AAA PSU Bond Apr 2028 75:25 Index Fund	Other	Moderate	4.82%	0	₹32.89
UTI-Long Duration Fund	Debt	Moderate	-0.12%	0	₹67.02
UTI-Silver ETF Fund of Fund	Other	Very High	110.64%	0	₹664.61
UTI-Nifty 500 Value 50 Index Fund	Other	Very High	14.54%	0	₹750.31
UTI-Nifty50 Equal Weight Index Fund	Other	Very High	1.18%	0	₹143.10
UTI-BSE Housing Index Fund	Other	Very High	-10.64%	0	₹23.99
UTI-Balanced Advantage Fund	Hybrid	Very High	-3.14%	0	₹2,980.74
UTI-Innovation Fund	Equity	Very High	-10.27%	0	₹757.56
UTI-Nifty200 Quality 30 Index Fund	Other	Very High	-4.81%	0	₹562.03
UTI-Nifty Private Bank Index Fund	Other	Very High	-4.79%	0	₹206.38
UTI-Nifty Alpha Low-Volatility 30 Index Fund	Other	Very High	-5.51%	0	₹73.31
UTI-Nifty Midcap 150 Index Fund	Other	Very High	0.14%	0	₹70.10
UTI-Quant Fund	Equity	Very High	-5.86%	0	₹1,611.84
UTI-Nifty India Manufacturing Index Fund	Other	Very High	7.42%	0	₹30.06
UTI-Nifty Midsmallcap 400 Momentum Quality 100 Index Fund	Other	Very High	-4.59%	0	₹115.66
UTI-Income Plus Arbitrage Active Fund of Fund	Other	Moderate	5.44%	0	₹179.18
UTI Multi Cap Fund	Equity	Very High	-1.73%	0	₹1,956.43
UTI-Nifty500 Shariah Index Fund	Other	Very High	0%	0	₹82.00

News

UTI Mutual Fund announces Change in Face Value of units of UTI Liquid Fund
Face Value of unit of UTI Liquid Fund will be Rs. 100/- instead of Rs. 1000/- with effect from June 19, 2026. Accordingly, the NAV of the scheme will change to reflect the change in the face value, without any adverse effect on the NAV on account of the change.
Powered by Capital Market - Live News

UTI MF announces change in benchmark under its scheme

UTI Mutual Fund has announced a change in the benchmark of the UTI Dividend Yield Fund, with effect from June 09, 2026.

Change of Benchmark of UTI Dividend Yield Fund

Scheme Name	Existing Benchmark	Revised Benchmark
UTI Dividend Yield Fund	(i) Tier 1 benchmark ' Nifty 500 TRI (ii)Tier 2 benchmark ' Nifty Dividend Opportunities 50 TRI	(i) Tier 1 benchmark ' Nifty 500 TRI.

Powered by Capital Market - Live News

UTI Mutual Fund announces IDCW Income Distribution cum Capital Withdrawal (IDCW) under its scheme
UTI Mutual Fund has announced 01 June 2026 as the record date for declaration of Income Distribution cum Capital Withdrawal (IDCW) in the following scheme. The proposed IDCW on the face value of Rs 10 per unit will be:
UTI-Conservative Hybrid Fund ' Regular Plan ' IDCW Option: Rs 0.80 per unit.
UTI-Conservative Hybrid Fund ' Direct Plan ' IDCW Option: Rs 0.80 per unit
Powered by Capital Market - Live News

Fund House Details & Investment Objective

Date of Incorporation

March 9, 2004

Total AUM (Cr)

₹1340.47

UTI-Banking and Financial Services Fund (IDCW) is an Sectoral / Thematic-oriented fund from the renowned AMC, UTI Mutual Fund. Launched in March 9, 2004, this fund is managed by Amit Premchandani. With assets under management (AUM) worth ₹1,340.47 (Cr), as of June 11, 2026, UTI-Banking and Financial Services Fund (IDCW) is categorized as a Sectoral / Thematic within its segment. The fund has generated a return of 14.05% since its launch.
The current NAV of UTI-Banking and Financial Services Fund (IDCW) is ₹71.63, as on June 11, 2026. The fund's benchmark index is Nifty Financial Services TRI. You can invest in UTI-Banking and Financial Services Fund (IDCW) via both lumpsum and SIP modes. The minimum SIP amount in the fund is ₹500 while the minimum lumpsum investment is ₹5,000.

Being an open-ended fund, you can exit the fund anytime subject to applicable exit loads:
The fund has generated 11.80% and 10.70% CAGR in the last 3 and 5 years respectively.

The fund aims to provide long-term capital appreciation and growth, by investing in a mix of financial instruments 97.85% in Equity, 2.16% in cash and cash equivalents.
The top 5 sectors the fund invests in are: 61.41% in Banks, 21.33% in Finance, 8.11% in Insurance, 4.81% in Capital Markets, 2.79% in Cash & Others

Mutual Fund Categories

Mutual Fund Calculators

View All

SIP Calculator

Compute the future value of your SIP investments

Lumpsum Calculator

Calculate lumpsum investment corpus

SWP Calculator

Calculate the future value of your SWP Investments