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NAV as of ( Sep 09, 2022 )

18.26 0.03 % 1-D Change

7.23% p.a.

You get upto 0.33% extra returns

ET Money's Fund Report Card - UTI Banking & PSU Debt Fund

ET Money Rank


Out of 16

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 14 Out of 16
VRO Rating N.A.
Expense ratio 0.24%  As on Jul 31, 2022
Exit Load 0%
AUM (Fund Size) 465 Crs
Lock-in No Lockin
Age 8 yrs 7 m Since Jan 27, 2014
Benchmark CRISIL Banking and PSU Debt
Min. Investment

SIP 500  &

Lumpsum 5000

About UTI Banking & PSU Debt Fund

UTI Banking & PSU Debt Fund Direct-Growth is a Banking and PSU mutual fund scheme from Uti Mutual Fund . This fund has been in existence for 8 yrs 7 m, having been launched on 27/01/2014. UTI Banking & PSU Debt Fund Direct-Growth has ₹465 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 0.24%, which is close to what most other Banking And Psu funds charge.
  • UTI Banking & PSU Debt Fund Direct-Growth returns of last 1-year are 10.24%. Since launch, it has delivered 7.24% average annual returns.
  • UTI Banking & PSU Debt Fund Direct-Growth scheme's ability to deliver returns consistently is lower than most funds of its category. Its ability to control losses in a falling market is average.
  • The fund's credit profile is very high indicating it has lent to borrowers whose quality is excellent. Most funds in this category lend to better borrowers and hence the risk of default in this fund is higher than the category.
  • The fund's top holdings are in GOI, Small Industries Devp. Bank of India Ltd., Power Finance Corpn. Ltd., National Housing Bank, Export-Import Bank Of India.
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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
Top Stock Holdings

Bifurcation by Holding is not available for this fund

Allocation by Market Cap

Large Cap 0%

Mid Cap 0%

Small Cap 0%

Other Cap 0%

Allocation by Sector

Bifurcation by Sector is not available for this fund

Top Debt Holdings

GOI 26.99%

Small Industries Devp. Bank of India Ltd. 9.7%

Power Finance Corpn. Ltd. 7.65%

National Housing Bank 6.5%

Allocation by Credit Quality

AAA 68.19%

SOV 28.09%

Cash & Call Money 3.68%

Term Deposits 0.02%

Allocation by Instruments

Debenture 38.51%

GOI Securities 26.99%

Non Convertible Debenture 17.63%

Bonds 7.65%

Other Holdings

Others 3.68%

Comparison with banking and psu Funds

as on Sep 12, 2022
0.69 % 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 0.69% 0.57% 3 / 18
3 months 3.14% 2.03% 2 / 18
6 months 8.7% 1.8% 1 / 18
1 year 10.23% 3.17% 1 / 18
3 years 7.25% 6.35% 2 / 16
5 years 5.64% 6.89% 16 / 16


Level of Risk in the Scheme


Investors understand that their principal will be at Moderate risk

UTI Banking & PSU Debt Fund


The scheme seeks to generate steady and reasonable income, with low risk and high level of liquidity from a portfolio of predominantly debt & money market securities by Banks and Public Sector Undertakings (PSUs).

  • Std. Dev : 3.52
  • Alpha : 1.14
  • Beta : -2.51
  • Sharpe : 1.01
  • Sortino : 2.69
  • Profile

    Anurag Mittal

    Mr. Mittal is B.Com. (Hons), CA and M.Sc. in Accounting and Finance (specialization in Finance) from London School of Economics & Political Science.

    Prior to joining IDFC AMC, he worked with 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).

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 & PSU Debt Fund ?

The UTI Banking & PSU Debt Fund is a 8 yrs 7 m old fund and has delivered average annual returns of 7.23% since inception.

UTI Banking & PSU Debt Fund Returns

1-Year 3-Year 5-Year Since Inception
10.23% 7.25% 5.64% 7.23%

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 & PSU Debt Fund for Sep 09, 2022 is 18.26 .

UTI Banking & PSU Debt Fund has an ET Money Rank of # 14 of 16 and a consistency rating of 1 .

This indicates the fund has not generated great returns and even those are not very consistent. You might want to look at other funds in its category.

On ET Money, Investing in UTI Banking & PSU Debt 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 & PSU Debt 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 & PSU Debt Fund is 0.24%.  .

Redeeming your investments in UTI Banking & PSU Debt 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 & PSU Debt 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 & PSU Debt Fund is ₹465 Crs.

The credit rating of the instruments in which the fund invests represents the quality of the borrower.

The UTI Banking & PSU Debt Fund allocation by credit quality is given below

Credit Quality Percentage of Portfolio
AAA 68.19%
SOV 28.09%
Cash & Call Money 3.68%

The top 3 debt holdings of UTI Banking & PSU Debt Fund are as follows

Holding Name Percentage of Portfolio
GOI 26.99%
Small Industries Devp. Bank of India Ltd. 9.7%
Power Finance Corpn. Ltd. 7.65%
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