Mutual Funds
AMC
UTI-Banking & PSU Fund - Direct (IDCW-Q)

UTI-Banking & PSU Fund - Direct (IDCW-Q)

NAV
17.14(0.00%)
Fund Size (CR)
₹811.55
Expense Ratio
0.2
Scheme Type
Active Fund
Value Research

Min. investment
₹20,000
Minimum Additional Investment
₹500
Minimum SIP Investment
₹500
Minimum Withdrawal
₹500
Exit Load
1% of applicable Net Asset Value - If the amount sought to be redeemed or switch out is invested for a period of up to 3 months from the date of allotment Nil - If the amount, sought to be redeemed or switch out is invested for a period of more than 3 months from the date of allotment
0%
Return Since Launch
7.24%

Absolute Return: 1.15%

Annualized Return: 0%

1% of applicable Net Asset Value - If the amount sought to be redeemed or switch out is invested for a period of up to 3 months from the date of allotment Nil - If the amount, sought to be redeemed or switch out is invested for a period of more than 3 months from the date of allotment

Basic Details

Scheme Manager

Anurag Mittal

Bench Mark

Nifty Banking & PSU Debt Index A-II

Type

OPEN

Lumpsum Returns

Period Invested For	₹10,000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	2 January 2026	10000.39	0.00%	-	-0.05%	16/158
1 Month	9 December 2025	10026.78	0.27%	-	0.10%	6/158
3 Month	9 October 2025	10117.43	1.17%	-	0.92%	20/158
6 Month	9 July 2025	10260.92	2.61%	-	2.09%	13/158
1 Year	9 January 2025	10788.02	7.88%	7.88%	7.13%	11/158
3 Year	9 January 2023	12458.78	24.59%	7.60%	7.25%	30/152
5 Year	8 January 2021	14162.64	41.63%	7.20%	5.76%	1/136
Since Inception	3 February 2014	23029.30	130.29%	7.24%	7.17%	97/158

Note: Lumpsum Returns since Inception Date.

SIP Returns

Period Invested For	₹10,000 Invested on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	3 February 2025	1,20,000	166171.61	38.48%	38.48%
3 Year	1 February 2023	3,60,000	540193.50	50.05%	14.49%
5 Year	1 February 2021	6,00,000	972015.63	62.00%	10.13%
10 Year	1 February 2016	12,00,000	2148749.25	79.06%	6.00%

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

Investment type
Scheme based

SIP
Lumpsum

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

0.29%

Standard Deviation

0.03%

Beta

1.71%

Sharpe Ratio

1.11%

Treynor's Ratio

1.53%

Jension's Alpha

Asset Allocation

Sector Allocation

There is no Sector Allocation data

Top 10 stock holding in portfolio

Stock Invested in	% of Total Holdings	Quantity	Value (Cr)	Asset Type	Segment
There's no data available of Stock Holdings

Peer Comparison

Scheme Name	Asset Size (Cr)	1M	3M	6M	1Y	3Y
UTI-Banking & PSU Fund - Direct (IDCW-Q)	811.55	0.27%	1.17%	2.61%	7.88%	7.60%
HSBC Banking and PSU Debt Fund - Direct (IDCW-D)	4413.44	0.13%	2.62%	3.99%	8.82%	8.04%
TRUSTMF Banking & PSU Fund - Dir (IDCW-D) RI	131.49	0.18%	1.17%	2.82%	8.69%	9.55%
ICICI Pru Banking & PSU Debt Fund-Direct (IDCW-Q)	9720.73	0.20%	1.21%	3.38%	8.55%	8.13%
Franklin India Banking & PSU Debt Fund-Direct(G)	485.44	0.22%	1.32%	2.96%	8.03%	7.75%
UTI-Banking & PSU Fund - Direct (Flexi)	811.55	0.27%	1.17%	2.61%	7.88%	7.60%

List of Schemes under UTI Mutual Fund

Fund Name	Category	Risk	1Y Returns	Ratings	Fund Size (Cr)
UTI-Nifty Private Bank Index Fund	Other	Very High	16.98%	0	₹228.22
UTI-Nifty Midcap 150 Quality 50 Index Fund	Other	Very High	-0.86%	1	₹245.93
UTI-BSE Low Volatility Index Fund	Other	Very High	6.57%	3	₹569.57
UTI-Nifty Midsmallcap 400 Momentum Quality 100 Index Fund	Other	Very High	0%	0	₹95.70
UTI-Banking and Financial Services Fund	Equity	Very High	19.63%	3	₹1,382.02
UTI-Silver ETF Fund of Fund	Other	Very High	160.74%	0	₹493.75
UTI-Healthcare Fund	Equity	Very High	-2.1%	4	₹1,101.63
UTI-MNC Fund	Equity	Very High	4.06%	0	₹2,856.33
UTI-Gilt Fund	Debt	Moderate	5.25%	3	₹545.23
UTI-Transportation & Logistics Fund	Equity	Very High	20.21%	0	₹4,083.94
UTI-Gilt Fund with 10yr Constant Duration	Debt	Moderate	6.95%	0	₹138.70
UTI-Equity Savings Fund	Hybrid	Moderate	9.05%	4	₹809.60
UTI-Nifty200 Momentum 30 Index Fund	Other	Very High	-1.85%	1	₹8,683.06
UTI-BSE Housing Index Fund	Other	Very High	-3.2%	0	₹24.73
UTI Multi Asset Allocation Fund	Hybrid	Very High	12.17%	3	₹6,719.75
UTI-Large Cap Fund	Equity	Very High	8.01%	3	₹13,321.57
UTI-Gold ETF Fund of Fund	Other	High	74.58%	5	₹848.36
UTI-Mid Cap Fund	Equity	Very High	1.69%	2	₹11,956.07
UTI-Nifty Midcap 150 Index Fund	Other	Very High	6.36%	0	₹62.18
UTI-Conservative Hybrid Fund	Hybrid	Moderately High	6.41%	3	₹1,703.12
UTI-Balanced Advantage Fund	Hybrid	Very High	9.39%	0	₹3,203.37
UTI-Unit Linked Insurance Plan	Hybrid	Moderately High	5.08%	0	₹5,212.13
UTI-Low Duration Fund	Debt	Moderately Low	7.56%	2	₹2,667.29
UTI-Annual Interval Fund - I	Debt	Moderately Low	5.94%	0	₹21.60
UTI-CRISIL SDL Maturity April 2033 Index Fund	Other	Moderate	5.77%	0	₹321.15
UTI-Credit Risk Fund	Debt	Moderately High	8%	3	₹260.49
UTI-Corporate Bond Fund	Debt	Moderate	7.94%	3	₹5,420.85
UTI-Arbitrage Fund	Hybrid	Low	7.04%	3	₹10,464.65
UTI-Income Plus Arbitrage Active Fund of Fund	Other	Moderate	0%	0	₹250.51
UTI-Aggressive Hybrid Fund	Hybrid	Very High	6.74%	4	₹6,757.91
UTI-Nifty 500 Value 50 Index Fund	Other	Very High	17.07%	0	₹560.05
UTI-Nifty50 Equal Weight Index Fund	Other	Very High	12.94%	0	₹122.19
UTI-Large & Mid Cap Fund	Equity	Very High	8.5%	4	₹5,635.04
UTI-Long Duration Fund	Debt	Moderate	2.14%	0	₹99.70
UTI-Retirement Fund	Solution Oriented	High	6.41%	0	₹4,788.53
UTI-Children's Hybrid Fund	Solution Oriented	High	4.91%	0	₹4,525.33
UTI-BSE Sensex Index Fund	Other	Very High	8.75%	2	₹213.24
UTI-Overnight Fund	Debt	Low	5.79%	3	₹3,759.67
UTI-Medium to Long Duration Fund	Debt	Moderate	5.64%	3	₹309.62
UTI-Banking & PSU Fund	Debt	Moderate	7.88%	3	₹1,014.91
UTI-Nifty200 Quality 30 Index Fund	Other	Very High	3.96%	0	₹658.74
UTI-CRISIL SDL Maturity June 2027 Index Fund	Other	Moderate	7.94%	0	₹72.34
UTI-Small Cap Fund	Equity	Very High	-4.62%	3	₹4,736.67
UTI-Nifty SDL Plus AAA PSU Bond Apr 2028 75:25 Index Fund	Other	Moderate	8.1%	0	₹34.38
UTI-Money Market Fund	Debt	Moderate	7.49%	3	₹19,300.55
UTI-Ultra Short Duration Fund	Debt	Moderate	7.23%	3	₹3,655.33
UTI-India Consumer Fund	Equity	Very High	3.35%	1	₹737.41
UTI-Nifty 50 Index Fund	Other	Very High	10.32%	3	₹26,947.15
UTI-Value Fund	Equity	Very High	7.57%	3	₹10,150.97
UTI-Children's Equity Fund	Solution Oriented	Very High	4.48%	0	₹1,175.78
UTI-Children's Equity Fund	Solution Oriented	Very High	4.48%	0	₹1,175.78
UTI Dividend Yield Fund	Equity	Very High	5.73%	0	₹3,945.70
UTI-Focused Fund	Equity	Very High	6.86%	3	₹2,610.46
UTI-ELSS Tax Saver Fund	Equity	Very High	5.22%	2	₹3,761.85
UTI-Flexi Cap Fund	Equity	Very High	1.97%	1	₹24,902.62
UTI-Innovation Fund	Equity	Very High	-5.55%	0	₹829.34
UTI-Floater Fund	Debt	Moderately Low	7.36%	3	₹1,579.93
UTI-Short Duration Fund	Debt	Moderate	7.68%	3	₹3,181.38
UTI-Quant Fund	Equity	Very High	0%	0	₹1,851.04
UTI Multi Cap Fund	Equity	Very High	0%	0	₹1,864.46
UTI-Infrastructure Fund	Equity	Very High	4.56%	2	₹2,170.69
UTI-Liquid Fund	Debt	Moderate	6.57%	3	₹23,479.98
UTI-Medium Duration Fund	Debt	Moderate	7.07%	2	₹39.24
UTI-Nifty Alpha Low-Volatility 30 Index Fund	Other	Very High	0.93%	0	₹76.57
UTI-Nifty SDL Plus AAA PSU Bond Apr 2026 75:25 Index Fund	Other	Moderate	7.21%	0	₹170.23
UTI-Nifty Next 50 Index Fund	Other	Very High	5.07%	2	₹6,069.51
UTI-Nifty India Manufacturing Index Fund	Other	Very High	0%	0	₹26.70
UTI-Dynamic Bond Fund	Debt	Moderately Low	6.78%	3	₹430.04

News

UTI Mutual Fund announces change in Key Personnel
UTI Mutual Fund has that Mr. Kapil Udaiwal, President & Head - Human Resources,UTI Asset Management Company Limited effective from January 1, 2026:
Details of Mr. Kapil Udaiwal
Age: 48 years
Designation: President & Head - Human Resources
Qualification: B.Sc., Master in Labour Laws & Labour Welfare, PGDM (PM & HR)
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UTI Mutual Fund announces change in Key Personnel
UTI Mutual Fund has announced the Mr. Ashish Wakodikar has been identified as Key Personnel of UTI Asset Management Company Ltd, with effect from December 10, 2025.
Details of Mr. Ashish Wakodikar
Age: 34 years
Designation: Associate Vice President- Dealer
Qualification: MBA/MMS
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UTI Mutual Fund announces change in Key Personnel
UTI Mutual Fund has announced All investors are hereby notified that, with effect from November 14, 2025, the Board of Directors of UTI Trustee Company Private Limited (Trustee to UTI Mutual Fund) has been reconstituted with the appointment of Mr. Chandra Bhan Singh as an Additional Director (Independent Category) and Mr. Srinivasan Sridhar as an Additional Director (Associate Category).
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Fund House Details & Investment Objective

Date of Incorporation

27 January 2014

Total AUM (Cr)

₹1014.91

UTI-Banking & PSU Fund - Direct (IDCW-Q) is an Banking and PSU Fund-oriented fund from the renowned AMC, UTI Mutual Fund. Launched in 27 January 2014, this fund is managed by Anurag Mittal. With assets under management (AUM) worth ₹1,014.91 (Cr), as of 9 January 2026, UTI-Banking & PSU Fund - Direct (IDCW-Q) is categorized as a Banking and PSU Fund within its segment. The fund has generated a return of 7.24% since its launch.
The current NAV of UTI-Banking & PSU Fund - Direct (IDCW-Q) is ₹17.14, as on 9 January 2026. The fund's benchmark index is Nifty Banking & PSU Debt Index A-II. You can invest in UTI-Banking & PSU Fund - Direct (IDCW-Q) via both lumpsum and SIP modes. The minimum SIP amount in the fund is ₹500 while the minimum lumpsum investment is ₹20,000.

Being an open-ended fund, you can exit the fund anytime subject to applicable exit loads:
The fund has generated 7.60% and 7.20% 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 95.97% in Debt and 4.03% in cash and cash equivalents.