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UTI Banking & PSU Fund - Regular Plan

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Fund info
NAV (as on 2025-07-18)
13.29 0.03%
AUM (Fund Size)
N/A
Expense Ratio
0.53%
Exit load
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 ₹1,001.36
0.14 %
Two Week 2025-07-03 ₹1,000.00 ₹1,002.22
0.22 %
One Month 2025-06-18 ₹1,000.00 ₹1,001.19
0.12 %
Three Months 2025-04-21 ₹3,000.00 ₹3,012.43
0.41 %
Six Months 2025-01-20 ₹6,000.00 ₹6,084.99
1.42 %
One Year 2024-07-18 ₹12,000.00 ₹12,297.04
2.48 %
Three Year 2022-07-19 ₹36,000.00 ₹37,830.18
5.08 %
Five Year 2020-07-20 ₹60,000.00 ₹64,541.81
7.57 %
Ten Year 2016-01-05 ₹117,000.00 ₹130,459.16
11.50 %
Since Inception 2014-09-15 ₹132,000.00 ₹150,544.72
14.05 %

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 N/A
Debt 98%
Others 6%

Sectors Holding in UTI Banking & PSU Fund - Regular Plan

Other
104%
-
0%

Companies Holding in UTI Banking & PSU Fund - Regular Plan

AXIS BANK LTD.
7.01%
EXPORT IMPORT BANK OF INDIA
3.19%
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA
6.42%
POWER FINANCE CORPORATION LTD.
1.29%
REC LTD
1.93%
HDFC BANK LTD.
4.46%
INDIAN RAILWAY FINANCE CORPORATION LIMITED
3.22%
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT
1.92%
NATIONAL HOUSING BANK
1.29%
ADITYA BIRLA HOUSING FINANCE LTD
3.20%
INDIAN OIL CORPORATION LTD.
3.13%
ICICI BANK LTD
1.91%
NHPC LTD.
1.28%
7.38% GSEC 20/06/2027
11.67%
07.37% GSEC MAT -23/10/2028
1.97%
7.17% GSEC 08/01/2028
1.30%
7.06% GS MAT - 10/04/2028
1.30%
GS - C STRIP MAT- 15/12/2027
0.75%
7.85% TN SDL MAT - 15/03/2027
0.65%
CLEARING CORPORATION OF INDIA LTD. STD - MARGIN
0.03%
CORPORATE DEBT MARKET DEVT FUND - A2 UNITS
0.33%
NET CURRENT ASSETS
3.25%
AXIS BANK LTD.
7.01%
EXPORT IMPORT BANK OF INDIA
3.19%
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA
6.42%
POWER FINANCE CORPORATION LTD.
1.29%
REC LTD
1.93%
HDFC BANK LTD.
4.46%
INDIAN RAILWAY FINANCE CORPORATION LIMITED
3.22%
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT
1.92%
NATIONAL HOUSING BANK
1.29%
ADITYA BIRLA HOUSING FINANCE LTD
3.20%
INDIAN OIL CORPORATION LTD.
3.13%
ICICI BANK LTD
1.91%
NHPC LTD.
1.28%
7.38% GSEC 20/06/2027
11.67%
07.37% GSEC MAT -23/10/2028
1.97%
7.17% GSEC 08/01/2028
1.30%
7.06% GS MAT - 10/04/2028
1.30%
GS - C STRIP MAT- 15/12/2027
0.75%
7.85% TN SDL MAT - 15/03/2027
0.65%
CLEARING CORPORATION OF INDIA LTD. STD - MARGIN
0.03%
CORPORATE DEBT MARKET DEVT FUND - A2 UNITS
0.33%
NET CURRENT ASSETS
3.25%

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
0.53
Expense Ratio Direct
0.32
Lock-in Period
N/A
Fund Age
N/A
Benchmark
N/A
Fund managers
Mr. Anurag Mittal
C.A., Msc in Accounting & Finance, London School of Economics Experience

Exit load

Nil

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