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UTI Banking & Financial Services Fund - Regular Plan

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Fund info
NAV (as on 2025-07-18)
190.67 -0.82%
AUM (Fund Size)
33
Expense Ratio
2.18%
Exit load
< 30 days – 1%; ≥ 30 days – Nil
Risk
N/A
AMC
UTI MUTUAL FUND
View AMC Details

SIP Returns

Period Invested for ₹1000 SIP Started on Investments Latest Value Abs. Returns
One Week 2025-07-11 ₹1,000.00 ₹990.59
-0.94 %
Two Week 2025-07-03 ₹1,000.00 ₹989.85
-1.02 %
One Month 2025-06-18 ₹1,000.00 ₹1,007.69
0.77 %
Three Months 2025-04-21 ₹3,000.00 ₹3,050.84
1.69 %
Six Months 2025-01-20 ₹6,000.00 ₹6,478.93
7.98 %
One Year 2024-07-18 ₹12,000.00 ₹13,191.39
9.93 %
Three Year 2022-07-19 ₹36,000.00 ₹47,265.63
31.29 %
Five Year 2020-07-20 ₹60,000.00 ₹92,719.57
54.53 %
Ten Year 2015-07-21 ₹120,000.00 ₹237,014.10
97.51 %
Since Inception 2005-07-30 ₹244,000.00 ₹1,045,219.39
328.37 %

Return Calculator

SIP Amount
1M
6M
1Y
3Y
5Y
Investment
₹0
Maturity Value
₹0
Abs. Returns
0
Current CAGR
0

Portfolio

Allocation of Equity and Debt Asset Classes.

Equity 84%
Debt N/A
Others 1%

Sectors Holding in UTI Banking & Financial Services Fund - Regular Plan

Banks
56%
Finance
19%
Insurance
7%
Capital Markets
2%
Other
1%

Companies Holding in UTI Banking & Financial Services Fund - Regular Plan

ICICI BANK LTD
20.92%
HDFC BANK LIMITED
15.32%
AXIS BANK LTD.
6.28%
BAJAJ FINANCE LTD.
5.76%
SHRIRAM FINANCE LTD
4.76%
STATE BANK OF INDIA
4.68%
INDIA SHELTER FINANCE CORPORATION LTD
4.61%
KOTAK MAHINDRA BANK LTD.
3.91%
KARUR VYSYA BANK LTD.
3.31%
MAX FINANCIAL SERVICES LTD.
3.24%
HDFC LIFE INSURANCE COMPANY LI
3.05%
REC LTD
2.77%
INDIAN BANK
2.65%
BAJAJ FINSERV LTD.
2.58%
UJJIVAN SMALL FINANCE BANK LTD
2.18%
AAVAS FINANCIERS LTD.
1.82%
MULTI COMMODITY EXCHANGE OF IN
1.70%
ARMAN FINANCIAL SERVICES LTD
1.15%
SBI LIFE INSURANCE COMPANY LTD
1.13%
BSE LTD
1.08%
EQUITAS SMALL FINANCE BANK LTD
1.06%
CHOLAMANDALAM INVESTMENT & FIN
0.92%
INDUSIND BANK
0.79%
HDFC ASSET MANAGEMENT COMPANY
0.64%
EQ CSB BANK LTD
0.54%
CREDITACCESS GRAMEEN LTD
0.43%
INDIAN ENERGY EXCHANGE LTD
0.33%
NIPPON LIFE INDIA ASSET MANAGE
0.25%
LIC HOUSING FINANCE LTD.
0.24%
PRUDENT CORPORATE ADVISORY SERVICES LTD
0.16%
KFIN TECHNOLOGIES LTD
0.09%
CLEARING CORPORATION OF INDIA LTD. STD - MARGIN
0.02%
NET CURRENT ASSETS
1.63%

Risk Ratios

Std. Deviation N/A
Beta N/A
Sharpe Ratio N/A
Lock In Period N/A
Residual Maturity N/A

Standard Deviation:

Standard deviation numbers measure the variability or volatility of a fund's returns over a specific time period (often 3 years).
  • Low standard deviation = Stable, predictable returns → Suitable for conservative investors seeking stability.
  • High standard deviation = High volatility, more risk → Be cautious, suitable for risk-tolerant investors who can handle fluctuations.

Beta:

Beta measures a fund's volatility about the market or a benchmark. A lower beta means the fund's performance is less sensitive to market movements, making it more predictable compared to the market.
  • Low beta = Less sensitive to market changes → Great for investors with less market exposure.
  • High beta = More sensitive to market changes → Better for aggressive investors who seek higher returns but can handle market risks.

Sharpe Ratio:

The Sharpe Ratio measures how much return a fund has made compared to the risk it carries. A higher Sharpe ratio indicates better returns relative to the risk taken, meaning the fund delivers more efficiently.
  • A higher Sharpe ratio indicates better risk-adjusted returns → Look for funds with higher ratios for better return efficiency.
  • Use it to compare different funds' efficiency in generating returns relative to the risk taken.

Lock-In Period:

India's "lock-in period" in mutual funds encourages long-term investment, particularly in tax-saving schemes preventing redemption or selling of units.

Lock-in times for various investment types

  • Most ELSS mutual fund holders hold for 3 years.
  • Tax savings FDs lock in for 5 years.
  • The lock-in period for 8% Government of India bond investment is 6 years.
  • ULIPs must be locked in for 5 years.
  • The average hedge fund holding period is 30-90 days.
  • The average PPF investor holds onto their money for 15 years.

Residual Maturity:

Residual maturity is the remaining time until a security reaches its maturity date. It is an important factor for investors to consider when evaluating the risk associated with an investment.

There are two different types of residual maturity.

  • Short-term residual maturity: This occurs when a security has less than a year left on its maturity.
  • Long-term residual maturity: This occurs when a security has more than a year left on its remaining maturity.

Scheme Details

Min. SIP Amount
N/A
Min. Lumpsum Amount
N/A
AUM (in Cr.)
N/A
Expense Ratio Regular
2.18
Expense Ratio Direct
1.10
Lock-in Period
N/A
Fund Age
N/A
Benchmark
N/A
Fund managers
Ms. Preethi R S
Experience

Exit load

< 30 days – 1%; ≥ 30 days – Nil

FAQs

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