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UTI Banking & Psu Fund Direct-growth
Debt
Low to Moderate Risk
Latest AUM
₹ 1,116.2 Cr.
NAV as on 24 jul, 2026
₹ 23.78
+20.58%
3 years annulised
This Fund
Fund Details
Fund Names
UTI Banking & Psu Fund Direct-growth
Inception Date
03 Feb 2014
Lock In
No Lock-in
SIP Minimum Investment amount
₹500
SWP Minimum Investment amount
₹500
STP Minimum Investment amount
₹100
Risk
Principal at low to moderate risk
Category Average Annual Returns
7.99
Portfolio Composition Analysis
Debt
108.50%
Portfolio Updated on: 07 Jul, 2026
Sector Allocations
Debt
Financial
Entities
Energy & Utilities
Industrials
Technology
Portfolio Updated on: 24 jul, 2026
Top 10 Holdings
| Name | Sector | Instruments | Assets |
|---|---|---|---|
| CANARA BANK CD 28JAN27 | Financial | Certificate of Deposit | 1.00% |
| UNION BANK OF INDIA CD 19JAN27 | Financial | Certificate of Deposit | 1.00% |
| GOVERNMENT OF INDIA 31719 GOI 20JU27 7.38 FV RS 100 | Entities | GOI Securities | 11.32% |
| GOVERNMENT OF INDIA 31719 GOI 20JU27 7.38 FV RS 100 | Entities | GOI Securities | 11.32% |
| GOVERNMENT OF INDIA 31719 GOI 20JU27 7.38 FV RS 100 | Entities | GOI Securities | 11.38% |
| GOVERNMENT OF INDIA 31719 GOI 20JU27 7.38 FV RS 100 | Entities | GOI Securities | 11.36% |
| GOVERNMENT OF INDIA 31719 GOI 20JU27 7.38 FV RS 100 | Entities | GOI Securities | 11.48% |
| GOVERNMENT OF INDIA 31719 GOI 20JU27 7.38 FV RS 100 | Entities | GOI Securities | 8.57% |
| GOVERNMENT OF INDIA 31719 GOI 20JU27 7.38 FV RS 100 | Entities | GOI Securities | 7.89% |
| CANARA BANK CD 28JAN27 | Financial | Certificate of Deposit | 1.00% |
Debt & Credit Risk Analysis
| Sharpe Ratio | 1.17% |
| Standard Deviation | 0.98% |
Returns Analysis
| Tenure | Absolute | Annualised | Category Average |
|---|---|---|---|
| 3 Months | 1.64% | NA | 0.62% |
| 6 Months | 3.28% | NA | 4.32% |
| 9 Months | 4.23% | NA | 6.08% |
| 1 Year | 5.68% | 5.68% | 7.99% |
| 2 Years | 15.28% | 7.37% | 7.75% |
| 3 Years | 23.54% | 7.30% | 7.17% |
| 5 Years | 44.50% | 7.64% | 5.91% |
| 7 Years | 61.95% | 7.13% | NA |
| 10 Years | 89.48% | 6.60% | 7.20% |
UTI Banking & Psu Fund Direct-growth is one Debt mutual fund offered by UTI Mutual Fund. Launched on 03 Feb 2014, the fund aims Reasonable income, with low risk and high level of liquidity over short to medium term. Investment predominantly in Debt & Money Market Securities issued by Banks, Public Sector Undertakings (PSUs) and Public Financial Institutions (PFIs) and Municipal Bonds. It manages assets worth ₹1,116.2 crore as on Tue Mar 31, 2026. The expense ratio stands at 0.2%.
Anurag Mittal has experience 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).
Top Performing Mutual Funds
| Fund name | |||||||
|---|---|---|---|---|---|---|---|
| UTI Banking & Psu Fund Direct-flexi Idcw | 1,116.2 | +0.59% | +1.64% | +3.28% | +5.68% | +7.30% | +7.64% |
| UTI Banking & Psu Fund Direct-idcw Half Yearly | 1,116.2 | +0.59% | +1.64% | +3.28% | +5.68% | +7.30% | +7.64% |
| UTI Banking & Psu Fund Direct-idcw Monthly | 1,116.2 | +0.59% | +1.64% | +3.28% | +5.68% | +7.30% | +7.64% |
| UTI Banking & Psu Fund Direct-idcw Quarterly | 1,116.2 | +0.59% | +1.64% | +3.28% | +5.68% | +7.30% | +7.64% |
| UTI Banking & Psu Fund Direct-idcw Yearly | 1,116.2 | +0.59% | +1.64% | +3.28% | +5.68% | +7.30% | +7.64% |
| UTI Banking & Psu Fund Regular-flexi Idcw | 1,116.2 | +0.57% | +1.57% | +3.15% | +5.41% | +7.02% | +7.36% |
| UTI Banking & Psu Fund Regular-growth | 1,116.2 | +0.57% | +1.57% | +3.15% | +5.41% | +7.02% | +7.36% |
| UTI Banking & Psu Fund Regular-idcw Half Yearly | 1,116.2 | +0.57% | +1.57% | +3.15% | +5.41% | +7.02% | +7.36% |
| UTI Banking & Psu Fund Regular-idcw Monthly | 1,116.2 | +0.57% | +1.57% | +3.15% | +5.41% | +7.02% | +7.36% |
growth is based on 1-month returns of the funds & Top fund are based on 3Y Returns
More Funds from UTI Mutual Fund
| Fund name | |||||||
|---|---|---|---|---|---|---|---|
| UTI Banking & Psu Fund Regular-flexi Idcw | 1,116.2 | +0.57% | +1.57% | +3.15% | +5.41% | +7.02% | +7.36% |
| UTI Banking & Psu Fund Direct-flexi Idcw | 1,116.2 | +0.59% | +1.64% | +3.28% | +5.68% | +7.30% | +7.64% |
| UTI Banking & Psu Fund Regular-growth | 1,116.2 | +0.57% | +1.57% | +3.15% | +5.41% | +7.02% | +7.36% |
| UTI Banking & Psu Fund Direct-idcw Half Yearly | 1,116.2 | +0.59% | +1.64% | +3.28% | +5.68% | +7.30% | +7.64% |
| UTI Banking & Psu Fund Regular-idcw Half Yearly | 1,116.2 | +0.57% | +1.57% | +3.15% | +5.41% | +7.02% | +7.36% |
| UTI Banking & Psu Fund Regular-idcw Monthly | 1,116.2 | +0.57% | +1.57% | +3.15% | +5.41% | +7.02% | +7.36% |
| UTI Banking & Psu Fund Direct-idcw Monthly | 1,116.2 | +0.59% | +1.64% | +3.28% | +5.68% | +7.30% | +7.64% |
| UTI Banking & Psu Fund Regular-idcw Quarterly | 1,116.2 | +0.57% | +1.57% | +3.15% | +5.41% | +7.02% | +7.36% |
| UTI Banking & Psu Fund Direct-idcw Quarterly | 1,116.2 | +0.59% | +1.64% | +3.28% | +5.68% | +7.30% | +7.64% |
growth is based on 1-month returns of the funds
Top Mutual Funds
| Fund name | |||||||
|---|---|---|---|---|---|---|---|
| Axis Banking & Psu Debt Fund-growth | 12,598.1 | +0.49% | +1.84% | +3.04% | +4.91% | +6.83% | +5.92% |
| Axis Banking & Psu Debt Direct Plan-growth | 12,598.1 | +0.51% | +1.92% | +3.18% | +5.20% | +7.13% | +6.22% |
| Axis Banking & Psu Debt Fund-idcw Daily | 12,598.1 | +0.49% | +1.84% | +3.04% | +4.91% | +6.83% | +5.92% |
| Axis Banking & Psu Debt Direct Plan-idcw Daily | 12,598.1 | +0.51% | +1.92% | +3.18% | +5.20% | +7.13% | +6.22% |
| Axis Banking & Psu Debt Direct Plan-idcw Monthly | 12,598.1 | +0.51% | +1.92% | +3.18% | +5.20% | +7.13% | +6.22% |
| Axis Banking & Psu Debt Fund-idcw Monthly | 12,598.1 | +0.49% | +1.84% | +3.04% | +4.91% | +6.83% | +5.92% |
| Axis Banking & Psu Debt Fund-idcw Weekly | 12,598.1 | +0.49% | +1.84% | +3.04% | +4.91% | +6.83% | +5.92% |
| Axis Banking & Psu Debt Direct Plan-idcw Weekly | 12,598.1 | +0.51% | +1.92% | +3.18% | +5.20% | +7.13% | +6.22% |
| Bandhan Banking And Psu Fund Regular-growth | 12,289.2 | +0.42% | +2.02% | +3.46% | +5.24% | +6.86% | +5.95% |
| Bandhan Banking And Psu Fund Direct-growth | 12,289.2 | +0.44% | +2.09% | +3.62% | +5.56% | +7.18% | +6.27% |
Top funds are based on Fund AUM
Top Debt Funds
| Fund name | ||||
|---|---|---|---|---|
| Uti Banking & Psu Fund Direct-flexi Idcw | ₹20.50 | +7.30% | +7.64% | — |
| Uti Banking & Psu Fund Direct-idcw Half Yearly | ₹15.78 | +7.30% | +7.64% | — |
| Uti Banking & Psu Fund Direct-idcw Monthly | ₹13.68 | +7.30% | +7.64% | — |
| Uti Banking & Psu Fund Direct-idcw Quarterly | ₹17.70 | +7.30% | +7.64% | — |
| Uti Banking & Psu Fund Direct-idcw Yearly | ₹13.62 | +7.30% | +7.64% | — |
| Uti Banking & Psu Fund Regular-flexi Idcw | ₹15.64 | +7.02% | +7.36% | — |
| Uti Banking & Psu Fund Regular-growth | ₹23.32 | +7.02% | +7.36% | — |
| Uti Banking & Psu Fund Regular-idcw Half Yearly | ₹15.57 | +7.02% | +7.36% | — |
| Uti Banking & Psu Fund Regular-idcw Monthly | ₹13.41 | +7.02% | +7.36% | — |
growth is based on 5Y returns of the funds
Historical NAV
| Date | NAV |
|---|---|
| 24 Jul 2026 | ₹23.78 |
| 23 Jul 2026 | ₹23.78 |
| 22 Jul 2026 | ₹23.77 |
| 21 Jul 2026 | ₹23.77 |
| 20 Jul 2026 | ₹23.76 |
| 17 Jul 2026 | ₹23.76 |
| 16 Jul 2026 | ₹23.75 |
| 15 Jul 2026 | ₹23.73 |
| 14 Jul 2026 | ₹23.73 |
| 13 Jul 2026 | ₹23.74 |
| 10 Jul 2026 | ₹23.74 |
| 09 Jul 2026 | ₹23.73 |
| 08 Jul 2026 | ₹23.72 |
| 07 Jul 2026 | ₹23.73 |
| 06 Jul 2026 | ₹23.74 |
| 03 Jul 2026 | ₹23.74 |
| 02 Jul 2026 | ₹23.74 |
| 01 Jul 2026 | ₹23.72 |
| 30 Jun 2026 | ₹23.71 |
| 29 Jun 2026 | ₹23.70 |
| 25 Jun 2026 | ₹23.67 |
| 24 Jun 2026 | ₹23.65 |
| 23 Jun 2026 | ₹23.63 |
| 22 Jun 2026 | ₹23.63 |
| 19 Jun 2026 | ₹23.61 |
| 18 Jun 2026 | ₹23.61 |
| 17 Jun 2026 | ₹23.60 |
| 15 Jun 2026 | ₹23.59 |
| 12 Jun 2026 | ₹23.56 |
| 11 Jun 2026 | ₹23.55 |
Portfolio Updated on: 25 Jul, 2026
Fund Growth & Size Analysis
+₹1,116.2 Cr
Since Launch
This Fund
Category Average
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UTI Banking & Psu Fund Direct-growth Returns Comparison
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UTI Banking & Psu Fund Direct-growth FAQ'S
- Sharpe Ratio: 1.17%
- Standard Deviation: 0.98%
As of Tue Mar 31, 2026, the total assets managed under UTI Banking & Psu Fund Direct-growth stand at approximately ₹ 1,116.2 crore.
The UTI Banking & Psu Fund Direct-growth has delivered the following short-term performance:
- 3 Months Return: 1.64%
- 6 Months Return: 3.28%
The historical growth of the UTI Banking & Psu Fund Direct-growth is reflected through its CAGR returns:
- 3 Year CAGR: 7.30%
- 5 Year CAGR: 7.64%
- Return Since Launch: 7.19%
The portfolio of UTI Banking & Psu Fund Direct-growth is distributed across different asset classes as follows:
- Debt Instruments: 108.50%
The UTI Banking & Psu Fund Direct-growth is managed by Anurag Mittal, representing UTI Mutual Fund.
Top stock holdings of UTI Banking & Psu Fund Direct-growth include:
- CANARA BANK CD 28JAN27 – represents 1.00% of the portfolio
- UNION BANK OF INDIA CD 19JAN27 – represents 1.00% of the portfolio
- GOVERNMENT OF INDIA 31719 GOI 20JU27 7.38 FV RS 100 – represents 11.32% of the portfolio
- GOVERNMENT OF INDIA 31719 GOI 20JU27 7.38 FV RS 100 – represents 11.32% of the portfolio
- GOVERNMENT OF INDIA 31719 GOI 20JU27 7.38 FV RS 100 – represents 11.38% of the portfolio
- GOVERNMENT OF INDIA 31719 GOI 20JU27 7.38 FV RS 100 – represents 11.36% of the portfolio
- GOVERNMENT OF INDIA 31719 GOI 20JU27 7.38 FV RS 100 – represents 11.48% of the portfolio
- GOVERNMENT OF INDIA 31719 GOI 20JU27 7.38 FV RS 100 – represents 8.57% of the portfolio
- GOVERNMENT OF INDIA 31719 GOI 20JU27 7.38 FV RS 100 – represents 7.89% of the portfolio
- CANARA BANK CD 28JAN27 – represents 1.00% of the portfolio
Major sector exposures in UTI Banking & Psu Fund Direct-growth are:
- Financial – accounts for 823.49% of the portfolio
- Entities – accounts for 106.17% of the portfolio
- Energy & Utilities – accounts for 47.70% of the portfolio
- Industrials – accounts for 4.82% of the portfolio
- Technology – accounts for 1.36% of the portfolio
