Sharpe ratio
0.26Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+5.85%1Y Absolute Return
+0.00%1D
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Past performance is not an indicator of future returns.
Returns calculator comparison
Compare an illustrative investment outcome across return assumptions.
| Asset | Projected corpus | Total invested | Gain | Annual return |
|---|---|---|---|---|
| UTI Banking & PSU Fund - Direct Plan - Growth OptionFund 5Y annualised return | ₹8,85,778 | ₹7,32,612 | ₹1,53,166 | +7.83% |
| EPFIllustrative annual assumption | ₹8,95,132 | ₹7,32,612 | ₹1,62,520 | +8.25% |
| Residential propertyIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| PPFIllustrative annual assumption | ₹8,69,819 | ₹7,32,612 | ₹1,37,207 | +7.10% |
| Bank fixed depositIllustrative annual assumption | ₹8,56,981 | ₹7,32,612 | ₹1,24,369 | +6.50% |
| GoldIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| Savings accountIllustrative annual assumption | ₹7,86,827 | ₹7,32,612 | ₹54,215 | +3.00% |
Illustration only. Fund results use the available NAV-derived annualised return and can be negative. Reference rows are assumptions, not current quoted rates or guaranteed returns; property excludes transaction costs, taxes, and liquidity constraints. Mutual fund investments are subject to market risk.
Wealth multiple
₹1 became₹1.07
₹1 Lakh since launch₹1.07 Lakh
Fund age12.8 yrs
Fund information
Scheme code126940
ISININF789F015Z6
BenchmarkNifty Banking & PSU Debt Index A-II
CategoryDebt Scheme - Banking and PSU Fund
Expense ratio0.22%
Exit loadNil
Minimum SIP₹500 SIP
Return comparison
1st / 143 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +5.27% | — | — |
| 3M | +5.67% | — | — |
| 6M | +7.09% | — | — |
| 1Y | +5.85% | — | +1.68% |
| 3Y | +7.44% | — | +3.16% |
| 5Y | +7.83% | — | +2.94% |
| 10Y | +6.45% | — | — |
| Since Launch | +7.17% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
0.36Return earned while limiting downside risk.
Moderate
Moderate downside risk-adjusted performance.
Standard deviation
0.65%How much the fund’s returns fluctuate over time.
Low volatility
Returns have been relatively stable.
Beta
—How closely the fund moves with the market.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Alpha
—Extra return generated above the benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Treynor ratio
—Return earned for each unit of market risk taken.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Calmar ratio
1.06How well the fund rewarded investors relative to its biggest decline.
Excellent
Excellent balance between returns and drawdowns.
Information ratio
—How consistently the fund outperformed its benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Portfolio allocation
Latest disclosed portfolio mix
Asset allocation
Portfolio109%
Debt108.50%
Market cap allocation
Market-cap classifications were not present in the latest portfolio disclosure.
Sector allocation
Equity exposure by sector
Top holdings
10 of 38 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| CANARA BANK CD 28JAN27 | Financial | Certificate of Deposit | 10.054% |
| UNION BANK OF INDIA CD 19JAN27 | Financial | Certificate of Deposit | 8.7577% |
| ICICI BANK LIMITED CD 25MAR27 | Financial | Certificate of Deposit | 6.4934% |
| AXIS BANK LIMITED SR 5 7.65 NCD 30JN27 FVRS10LAC | Financial | Non Convertible Debenture | 5.006% |
| GOVERNMENT OF INDIA 31719 GOI 20JU27 7.38 FV RS 100 | Entities | GOI Securities | 4.6158% |
| AXIS BANK LIMITED CD 13JAN27 | Financial | Certificate of Deposit | 4.3822% |
| NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT CD 22JAN27 | Financial | Certificate of Deposit | 4.3739% |
| POONAWALLA FINCORP LIMITED 365D CP 28JAN27 | Financial | Commercial Paper | 4.3573% |
| SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA CD 26FEB27 | Financial | Commercial Paper | 4.3458% |
| HDFC BANK LIMITED CD 05MAR27 | Financial | Certificate of Deposit | 4.3418% |
Fund management
AN
Anurag Mittal
Since 2021 · Prior to joining UTI Mutual Fund, he worked with IDFC AMC, HDFC AMC ( Sept. 2012 - Oct. 2015), Axis AMC (July 2009 - Sept. 2012), ICICI Prudential Life Insurance Company Ltd. as Credit Research Analyst (2008-2009) and with Bank of America in Corporate Banking (2006-2008).
Mr. Mittal is B.Com. (Hons), CA and M.Sc. in Accounting and Finance (specialization in Finance) from London School of Economics & Political Science.
Compare similar funds
No comparable category funds are available yet.
Summary
A low to moderate-risk debt scheme - banking and psu fund. Ranks 1 of 143 in its category over 1 year. Financial makes up 99% — trouble in that sector hits the whole fund.
Strengths
- Ranks 1 of 143 in its category over 1 year.
Weaknesses
- None
Ideal investor
- Needs a 1–3 years depending on duration horizon to ride out its low to moderate risk level.
Risk drivers
- Financial makes up 99% — trouble in that sector hits the whole fund.