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Previously called: UTI Banking Sector Direct-G

NAV as of ( Sep 09, 2022 )

136.21 0.19 % 1-D Change

10.9% p.a.

You get upto 1.24% extra returns

ET Money's Fund Report Card - UTI Banking and Financial Services Fund

ET Money Rank

not ranking

Not yet ranked

Performance Quality info

Poor drop-arrow

Generated returns consistently


Increased returns for each unit of additional risk info


Downside Protection info

Poor drop-arrow

Controlled losses during market corrections


Delivered returns without frequent ups and downs


Minimum SIP amount is ₹
Minimum Lumpsum amount is ₹

By continuing, I agree to the Declaration and T&Cs.

none buyable frame

Fresh Investments closed in this fund!

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Scheme Details

ET Money Rank Not yet ranked
VRO Rating 2
Expense ratio 1.41%  As on Jul 31, 2022
Exit Load 1.0% info
AUM (Fund Size) 804 Crs
Lock-in No Lockin
Age 9 yrs 8 m Since Jan 01, 2013
Benchmark Nifty Financial Services TRI
Min. Investment

SIP 500  &

Lumpsum 5000

About UTI Banking and Financial Services Fund

UTI Banking and Financial Services Fund Direct Plan-Growth is a Sectoral-Banking mutual fund scheme from Uti Mutual Fund . This fund has been in existence for 9 yrs 8 m, having been launched on 01/01/2013. UTI Banking and Financial Services Fund Direct Plan-Growth has ₹804 Crores worth of assets under management (AUM) as on 30/06/2022 and is medium-sized fund of its category. The fund has an expense ratio of 1.41%, which is higher than what most other Sectoral-banking funds charge.
  • UTI Banking and Financial Services Fund Direct Plan-Growth returns of last 1-year are 5.91%. Since launch, it has delivered 10.91% average annual returns. The fund has doubled the money invested in it every 3 yrs.
  • UTI Banking and Financial Services Fund Direct Plan-Growth scheme's ability to deliver returns consistently is in-line with most funds of its category. Its ability to control losses in a falling market is low.
  • The fund has the majority of its money invested in Financial, Insurance, Services sectors. It has taken less exposure in Financial, Insurance sectors compared to other funds in the category.
  • The fund's top 5 holdings are in ICICI Bank Ltd., HDFC Bank Ltd., State Bank of India, Axis Bank Ltd., Housing Development Finance Corpn. Ltd..
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Total value Profit
This fund
Category Average
Bank FD

Disclaimer: Products compared like fixed deposits may provide fixed guaranteed returns. Mutual Funds investments are subject to market risk, read all scheme related documents carefully. Past performance is not an indicator of future returns.

Latest Asset & Portfolio Allocation

as on Aug 31, 2022
Allocation by Market Cap

Large Cap 87.41%

Mid Cap 2.08%

Small Cap 8.22%

Other Cap -0%

Allocation by Sector

Financial 88.76%

Insurance 7.68%

Services 1.27%

Top Debt Holdings

Reserve Bank of India 0.14%

Clearing Corporation of India 0.02%

Allocation by Credit Quality

Bifurcation by Credit Quality is not available for this fund

Allocation by Instruments

Net Current Assets 2.12%

Treasury Bills 0.14%

Short Term Deposit 0.02%

Other Holdings

Others 2.12%

Know in detail about the portfolio of this fund See detailed Portfolio Analysis

Comparison with sectoral-banking Funds

as on Sep 12, 2022
2.7 % p.a
This fund


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Trailing Returns and Ranks

as on Sep 12, 2022
Period Trailing returns Category average Rank within category
1 month 2.7% 2.99% 9 / 14
3 months 21.41% 20.73% 2 / 13
6 months 14.16% 14.09% 7 / 13
1 year 6.25% 6.06% 4 / 11
3 years 11.56% 14.59% 9 / 9
5 years 5.86% 9.54% 8 / 8

Know in detail about the returns of this fund See detailed Return Analysis


Level of Risk in the Scheme

Very High

Investors understand that their principal will be at Very High risk

UTI Banking and Financial Services Fund


The scheme seeks to generate long term capital appreciation by investing predominantly in equity and equity related securities of companies/institutions engaged in the banking and financial services activities.

  • Std. Dev : 33.41
  • Alpha : -1.98
  • Beta : 1.0
  • Sharpe : 0.4
  • Sortino : 0.46
  • Profile

    Preethi R S

    Ms. R S is B.E and MBA (Finance).

    Prior to joining UTI Mutual Fund, she has worked with PwC India.

UTI Mutual Fund

UTI Mutual Fund



See all schemes


₹2,24,279 Crs

As on Jun 30, 2022

  • Phone: 0263 2296993
  • Address: 1st Floor, Signature, Office No.103
    Valsad Dharampur Road

    Mumbai, 396001

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Frequently asked questions

How are the returns of UTI Banking and Financial Services Fund ?

The UTI Banking and Financial Services Fund is a 9 yrs 8 m old fund and has delivered average annual returns of 10.9% since inception.

UTI Banking and Financial Services Fund Returns

1-Year 3-Year 5-Year Since Inception
6.25% 11.56% 5.86% 10.9%

NAV or Net Asset Value is the per-unit price of the Mutual Fund. The NAV of a Mutual Fund changes every day. It is calculated by taking the current value of the holdings of the fund at end of the day, subtracting the expenses, and dividing the value by the number of units issued to date.

The NAV of UTI Banking and Financial Services Fund for Sep 09, 2022 is 136.21 .

On ET Money, Investing in UTI Banking and Financial Services Fund is fast, easy, and 100% paperless. And it takes only minutes. Here is what you need to do -

  1. Click on the Invest Now Button present on the top right-hand side.
  2. Enter your email id, select whether you want to do a one-time investment or start a SIP and add the amount
  3. Provide few more details needed including the bank account from which you will be making the payment and confirm.
  4. That's it. Your SIP or one-time investment in UTI Banking and Financial Services Fund is done.

The Expense Ratio of a Mutual Fund is the annual charges you pay to the Mutual Fund company for managing your investments in that fund. The Expense Ratio is a percentage of Assets Under Management (AUM) and is taken from the returns generated by the fund. For this reason, a fund with a lower expense ratio is always better because a smaller part of the returns will be taken and that means more returns for you.

The Expense Ratio of the direct plan of UTI Banking and Financial Services Fund is 1.41%.  .

Redeeming your investments in UTI Banking and Financial Services Fund is super easy. If you have invested in this fund via ET Money, just login into the app, go to the investment section and put the redemption request.

If you have invested in UTI Banking and Financial Services Fund from anywhere else, you can go to the fund house website and put a request through it.

AUM or Asset Under Management is the total value of the assets held by a Mutual Fund scheme. For instance, for an equity Mutual Fund, the AUM will be the total value of its portfolio's equity shares (plus any other asset it might have invested in). The AUM of the fund changes every day because the price of the underlying asset fluctuates daily. However, the Mutual Fund company doesn't update it every day. It is updated only at the end of the month and released within few days of the next month.

The AUM of the fund is a good indicator of its popularity. A fund with a high AUM means a lot of money has been invested in it, and investors like it. However, the AUM should never be the primary criteria while selecting a fund. There are funds with huge AUMs that continue to perform well despite their size.

The AUM of UTI Banking and Financial Services Fund is ₹804 Crs.

The UTI Banking and Financial Services Fund has invested the majority of its money in the stocks of the following companies -

Company Percentage of Portfolio
ICICI Bank Ltd. 19.41%
HDFC Bank Ltd. 19.03%
State Bank of India 9.25%
Axis Bank Ltd. 8.59%
Housing Development Finance Corpn. Ltd. 6.39%
Kotak Mahindra Bank Ltd. 4.29%
SBI Life Insurance Company Ltd. 3.46%
Indusind Bank Ltd. 3.12%
Bajaj Finserv Ltd. 2.42%
Bajaj Finance Ltd. 2.27%

The UTI Banking and Financial Services Fund has primarily invested in the following sectors

Sector Percentage of Portfolio
Financial 88.76%
Insurance 7.68%
Services 1.27%
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