Previously Known As : Uti Banking & Psu Debt Fund
Uti Banking & Psu Fund Overview
Category Banking and PSU Fund
BMSMONEY Rank 2
BMSMONEY Rating
Gro. Opt. As On: 17-01-2025
NAV ₹21.03(R) +0.03% ₹21.37(D) +0.03%
Returns 1Y 3Y 5Y 7Y 10Y
LumpSum (R) 7.45% 8.26% 7.22% 5.95% 6.8%
LumpSum (D) 7.72% 8.56% 7.44% 6.13% 6.96%
SIP (R) -9.04% 5.62% 6.64% 5.67% 5.7%
SIP (D) -8.85% 5.92% 6.9% 5.89% 5.89%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
0.38 0.36 0.77 -% -
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
3.21% -0.08% -0.56% - 1.21%
Top Banking and PSU Fund
Fund Name Rank Rating
ICICI Prudential Banking & PSU Debt Fund 1
UTI Banking & PSU Fund 2
Dsp Banking & Psu Debt Fund 3
Kotak Banking And Psu Debt Fund 4

NAV Date: 17-01-2025

Scheme Name NAV Rupee Change Percent Change
UTI Banking & PSU Fund - Regular Plan - Annual IDCW 12.9
0.0000
0.0300%
UTI Banking & PSU Fund - Regular Plan - Monthly IDCW 12.94
0.0000
0.0300%
UTI Banking & PSU Fund - Direct Plan - Annual IDCW 13.12
0.0000
0.0300%
UTI Banking & PSU Fund - Direct Plan - Monthly IDCW 13.14
0.0000
0.0300%
UTI Banking & PSU Fund - Regular Plan - Half-Yearly IDCW 14.05
0.0000
0.0300%
UTI Banking & PSU Fund - Regular Plan - Flexi IDCW 14.11
0.0000
0.0300%
UTI Banking & PSU Fund - Direct Plan - Half-Yearly IDCW 14.18
0.0000
0.0300%
UTI Banking & PSU Fund - Regular Plan - Quarterly IDCW 14.43
0.0000
0.0300%
UTI Banking & PSU Fund - Direct Plan - Quarterly IDCW 15.91
0.0100
0.0300%
UTI Banking & PSU Fund - Direct Plan - Flexi IDCW 18.42
0.0100
0.0300%
UTI Banking & PSU Fund- Regular Plan - Growth Option 21.03
0.0100
0.0300%
UTI Banking & PSU Fund - Direct Plan - Growth Option 21.37
0.0100
0.0300%

Review Date: 17-01-2025

UTI Banking & PSU Fund has shown very good performance in the Banking and PSU Debt Fund category. The fund has rank of 2 out of 19 funds in the category. The fund has delivered return of 7.45% in 1 year, 8.26% in 3 years, 7.22% in 5 years and 6.8% in 10 years. The category average for the same periods is 7.69%, 6.05%, 6.28% and 7.11% respectively, which shows poor return performance of fund in the category. The fund has exhibited standard deviation of 3.21, VaR of -0.08, Average Drawdown of -0.4, Semi Deviation of 1.21 and Max Drawdown of -0.56. The category average for the same parameters is 1.29, -0.45, -0.58, 0.94 and -0.87 respectively. The fund has low risk in the category.

Key Points:

  1. An investment of ₹10,000 in UTI Banking & PSU Fund direct growth option would have grown to ₹10772.0 in 1 year, ₹12794.0 in 3 years and ₹14317.0 in 5 years as of today (17-01-2025).
  2. An SIP of ₹1,000 per month in UTI Banking & PSU Fund direct growth option would have grown to ₹11416.0 in 1 year, ₹39391.0 in 3 years and ₹71442.0 in 5 years as of today (17-01-2025).
  3. standard deviation of 3.21 and based on VaR one can expect to lose more than -0.08% of current value of fund in one year.
  4. Sharpe ratio of the fund is 0.38 which shows very good performance of fund in the banking and psu debt fund category.


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KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
1M Return % 0.48
0.42
0.15 | 0.51 4 | 22 Very Good
3M Return % 1.39
1.41
1.05 | 1.72 12 | 22 Good
6M Return % 3.62
3.68
3.42 | 3.88 17 | 22 Average
1Y Return % 7.45
7.69
7.15 | 8.42 19 | 22 Poor
3Y Return % 8.26
6.05
5.39 | 8.26 1 | 19 Very Good
5Y Return % 7.22
6.28
5.60 | 7.22 1 | 15 Very Good
7Y Return % 5.95
6.83
5.95 | 7.57 15 | 15 Poor
10Y Return % 6.80
7.11
6.32 | 7.47 10 | 12 Poor
1Y SIP Return % -9.04
-8.96
-9.28 | -8.77 18 | 22 Average
3Y SIP Return % 5.62
5.16
4.82 | 5.62 1 | 19 Very Good
5Y SIP Return % 6.64
5.60
5.11 | 6.64 1 | 15 Very Good
7Y SIP Return % 5.67
5.38
4.83 | 5.85 3 | 15 Very Good
10Y SIP Return % 5.70
5.82
5.28 | 6.16 9 | 13 Average
Standard Deviation 3.21
1.29
0.73 | 3.21 19 | 19 Poor
Semi Deviation 1.21
0.94
0.52 | 1.70 16 | 19 Poor
Max Drawdown % -0.56
-0.87
-2.46 | 0.00 9 | 19 Good
VaR 1 Y % -0.08
-0.45
-2.69 | 0.00 9 | 19 Good
Average Drawdown % -0.40
-0.58
-1.67 | 0.00 8 | 19 Good
Sharpe Ratio 0.38
-0.80
-1.12 | 0.38 1 | 19 Very Good
Sterling Ratio 0.77
0.55
0.41 | 0.77 1 | 19 Very Good
Sortino Ratio 0.36
-0.24
-0.36 | 0.36 1 | 19 Very Good
Return data last Updated On : Jan. 17, 2025.
Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Dec. 31, 2024
KPIs: Key Performance Indicators

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KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
1M Return % 0.50 0.46 0.18 | 0.55 6 | 21
3M Return % 1.44 1.51 1.13 | 1.81 17 | 21
6M Return % 3.71 3.88 3.62 | 4.06 20 | 21
1Y Return % 7.72 8.09 7.55 | 8.70 20 | 21
3Y Return % 8.56 6.48 5.78 | 8.56 1 | 18
5Y Return % 7.44 6.72 6.01 | 7.44 1 | 14
7Y Return % 6.13 7.25 6.13 | 7.90 14 | 14
10Y Return % 6.96 7.49 6.81 | 7.88 11 | 12
1Y SIP Return % -8.85 -8.63 -8.95 | -8.45 19 | 21
3Y SIP Return % 5.92 5.57 5.27 | 5.92 1 | 18
5Y SIP Return % 6.90 6.00 5.49 | 6.90 1 | 14
7Y SIP Return % 5.89 5.79 5.23 | 6.19 7 | 14
10Y SIP Return % 5.89 6.24 5.71 | 6.58 11 | 12
Standard Deviation 3.21 1.29 0.73 | 3.21 19 | 19
Semi Deviation 1.21 0.94 0.52 | 1.70 16 | 19
Max Drawdown % -0.56 -0.87 -2.46 | 0.00 9 | 19
VaR 1 Y % -0.08 -0.45 -2.69 | 0.00 9 | 19
Average Drawdown % -0.40 -0.58 -1.67 | 0.00 8 | 19
Sharpe Ratio 0.38 -0.80 -1.12 | 0.38 1 | 19
Sterling Ratio 0.77 0.55 0.41 | 0.77 1 | 19
Sortino Ratio 0.36 -0.24 -0.36 | 0.36 1 | 19
Return data last Updated On : Jan. 17, 2025.
Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Dec. 31, 2024
KPIs: Key Performance Indicators

Investment Period Regular Direct
Return % Current Value of ₹ 10000 Return % Current Value of ₹ 10000
1D 0.03 ₹ 10,003.00 0.03 ₹ 10,003.00
1W 0.10 ₹ 10,010.00 0.11 ₹ 10,011.00
1M 0.48 ₹ 10,048.00 0.50 ₹ 10,050.00
3M 1.39 ₹ 10,139.00 1.44 ₹ 10,144.00
6M 3.62 ₹ 10,362.00 3.71 ₹ 10,371.00
1Y 7.45 ₹ 10,745.00 7.72 ₹ 10,772.00
3Y 8.26 ₹ 12,689.00 8.56 ₹ 12,794.00
5Y 7.22 ₹ 14,173.00 7.44 ₹ 14,317.00
7Y 5.95 ₹ 14,986.00 6.13 ₹ 15,165.00
10Y 6.80 ₹ 19,308.00 6.96 ₹ 19,593.00
15Y ₹ ₹

Disclaimer: Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments. Returns for periods above 1 year are annualised.

Investment Period Invested Amount Regular Direct
XIRR % Current Value of Invested Amount XIRR % Current Value of Invested Amount
1Y ₹ 12000 -9.04 ₹ 11,403.59 -8.85 ₹ 11,415.98
3Y ₹ 36000 5.62 ₹ 39,213.65 5.92 ₹ 39,390.84
5Y ₹ 60000 6.64 ₹ 70,962.96 6.90 ₹ 71,441.88
7Y ₹ 84000 5.67 ₹ 102,768.79 5.89 ₹ 103,597.03
10Y ₹ 120000 5.70 ₹ 160,752.24 5.89 ₹ 162,351.60
15Y ₹ 180000 ₹ ₹


Date Uti Banking & Psu Fund NAV Regular Growth Uti Banking & Psu Fund NAV Direct Growth
17-01-2025 21.0337 21.3732
16-01-2025 21.0265 21.3659
15-01-2025 21.0134 21.3524
14-01-2025 21.001 21.3398
13-01-2025 20.998 21.3365
10-01-2025 21.0117 21.3502
09-01-2025 21.0099 21.3482
08-01-2025 21.0081 21.3464
07-01-2025 21.0094 21.3475
06-01-2025 21.0014 21.3393
03-01-2025 20.9893 21.3267
02-01-2025 20.9787 21.3158
01-01-2025 20.9805 21.3176
31-12-2024 20.9775 21.3144
30-12-2024 20.9651 21.3016
27-12-2024 20.9546 21.2907
26-12-2024 20.9398 21.2756
24-12-2024 20.9346 21.27
23-12-2024 20.9355 21.2708
20-12-2024 20.9242 21.2591
19-12-2024 20.9348 21.2697
18-12-2024 20.9368 21.2716
17-12-2024 20.9323 21.267

Fund Launch Date: 27/Jan/2014
Fund Category: Banking and PSU Fund
Investment Objective: The investment objective of the scheme is to generate reasonable income, with low risk and high level of liquidity from a portfolio of predominantly debt & money market securities by Banks, Public Sector Undertakings (PSUs), Public Financial Institutions (PFIs) and Municipal Bonds.However there can be no assurance that the investment objective of the Scheme will be achieved. The Scheme does not guarantee / indicate any returns.
Fund Description: An open ended debt scheme predominantly investing in debt instruments of Banks, Public Sector Undertakings,Public Financial Institutions and Municipal Bonds.
Fund Benchmark: CRISIL Bankingand PSU DebtIndex
Source: Fund FactSheet

Disclaimer: NO INVESTMENT ADVICE. The Content is for informational purposes only.