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Home Mf Research Uti Banking Psu Fund Regular Plan
UTI MUTUAL FUND

UTI Banking & PSU Fund - Regular Plan

Debt Debt Banking Psu
Fund House : UTI MUTUAL FUND
Overview
Returns
Portfolio
Analysis
Peer Comparison
Fund Family
Scheme Details
-
-
  • 1W
  • 2W
  • 1M
  • 3M
  • 6M
  • 1Y
  • 3Y
  • 5Y
  • 10Y
  • SI
NAV (as on 2025-06-20)
13.27 -0.04%
Fund Size (Total Assets)
-
Expense Ratio (Regular)
0.56%
Expense Ratio (Direct)
0.23%
SIP Returns
Period Invested for ₹1000 SIP Started on Investments Latest Value Abs. Returns
One Week 2025-06-13 ₹1,000.00 ₹1,001.68
0.17 %
Two Week 2025-06-05 ₹1,000.00 ₹1,000.65
0.06 %
One Month 2025-05-21 ₹1,000.00 ₹999.48
-0.05 %
Three Months 2025-03-24 ₹3,000.00 ₹3,023.88
0.80 %
Six Months 2024-12-23 ₹6,000.00 ₹6,095.38
1.59 %
One Year 2024-06-20 ₹12,000.00 ₹12,304.44
2.54 %
Three Year 2022-06-21 ₹36,000.00 ₹37,822.76
5.06 %
Five Year 2020-06-22 ₹60,000.00 ₹64,520.28
7.53 %
Ten Year 2016-01-05 ₹116,000.00 ₹129,198.45
11.38 %
Since Inception 2014-09-15 ₹132,000.00 ₹150,242.32
13.82 %
Portfolio Summary
Company Name Sector Sector Type Nav(in %)
AXIS BANK LTD. - Debt 7.01
EXPORT IMPORT BANK OF INDIA - Debt 3.19
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA - Debt 6.42
POWER FINANCE CORPORATION LTD. - Debt 1.29
REC LTD - Debt 1.93
HDFC BANK LTD. - Debt 4.46
INDIAN RAILWAY FINANCE CORPORATION LIMITED - Debt 3.22
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT - Debt 1.92
NATIONAL HOUSING BANK - Debt 1.29
ADITYA BIRLA HOUSING FINANCE LTD - Debt 3.20
INDIAN OIL CORPORATION LTD. - Debt 3.13
ICICI BANK LTD - Debt 1.91
NHPC LTD. - Debt 1.28
7.38% GSEC 20/06/2027 - Debt 11.67
07.37% GSEC MAT -23/10/2028 - Debt 1.97
7.17% GSEC 08/01/2028 - Debt 1.30
7.06% GS MAT - 10/04/2028 - Debt 1.30
GS - C STRIP MAT- 15/12/2027 - Debt 0.75
7.85% TN SDL MAT - 15/03/2027 - Debt 0.65
CLEARING CORPORATION OF INDIA LTD. STD - MARGIN - - 0.03
CORPORATE DEBT MARKET DEVT FUND - A2 UNITS - Debt 0.33
NET CURRENT ASSETS - - 3.25
AXIS BANK LTD. - Debt 7.01
EXPORT IMPORT BANK OF INDIA - Debt 3.19
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA - Debt 6.42
POWER FINANCE CORPORATION LTD. - Debt 1.29
REC LTD - Debt 1.93
HDFC BANK LTD. - Debt 4.46
INDIAN RAILWAY FINANCE CORPORATION LIMITED - Debt 3.22
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT - Debt 1.92
NATIONAL HOUSING BANK - Debt 1.29
ADITYA BIRLA HOUSING FINANCE LTD - Debt 3.20
INDIAN OIL CORPORATION LTD. - Debt 3.13
ICICI BANK LTD - Debt 1.91
NHPC LTD. - Debt 1.28
7.38% GSEC 20/06/2027 - Debt 11.67
07.37% GSEC MAT -23/10/2028 - Debt 1.97
7.17% GSEC 08/01/2028 - Debt 1.30
7.06% GS MAT - 10/04/2028 - Debt 1.30
GS - C STRIP MAT- 15/12/2027 - Debt 0.75
7.85% TN SDL MAT - 15/03/2027 - Debt 0.65
CLEARING CORPORATION OF INDIA LTD. STD - MARGIN - - 0.03
CORPORATE DEBT MARKET DEVT FUND - A2 UNITS - Debt 0.33
NET CURRENT ASSETS - - 3.25
Risk Ratios
Standard Deviation
-
Beta
-
Sharpe Ratio
-
Lock In Period
-
Residual Maturity
-
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
  • Fund manager(s) : Mr. Anurag Mittal (C.A., Msc in Accounting & Finance, London School of Economics),
  • Expense ration regular : 0.56
  • Expense ration direct : 0.23
  • Launch date : -
  • Benchmark : -
  • Min SIP amount : -
  • Max SIP amount : -
  • Min investment amount (one time- first time) : ₹-
  • Type : debt
Exit load
Nil

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