UTI - Banking and Financial Services Fund

Regular Plan · IDCW · Sectoral / Thematic · Scheme code 102402

NAV₹71.6524as on 30 Oct 2026

Fund houseUTI Mutual Fund

CategorySectoral / Thematic

Plan & optionRegular · IDCW

History20.4 years

Returns (%)

	1M	3M	6M	1Y	3Y	5Y	7Y	10Y	Launch
This scheme	1.25	6.97	-2.17	8.48	13.08	11.70	11.74	10.31	8.86
Nifty 500 benchmark	0.87	4.31	2.15	5.20	12.49	11.41	—	—	15.49
Sectoral / Thematic category median	—	—	—	-6.58	11.54	8.85	—	12.68	—

Over a year annualised (CAGR), under a year absolute. Computed from AMFI's published NAV history for this scheme.

Risk

	Volatility	Sharpe	Sortino	Beta	Alpha	Max fall	R²
This scheme	15.6%	0.42	0.62	0.91	1.28%	-63.4%	78.70
Nifty 500 benchmark	15.2%	0.39	0.58	—	—	-37.3%	—

Risk-free rate 6.5%. Beta, alpha and R² are regressed on the 36 months this scheme and its benchmark share.

Growth of ₹100 since launch

Drawdown from peak (%)

Every one-year period it has lived through

Windows	Worst	Median	Best	Periods that lost money
4,774	-52.9%	11.3%	123.5%	30%

Every one-year holding period in this scheme's history, not just the last one — the spread a real investor would have met depending only on when they started.

How it behaves against its benchmark

Up capture	Down capture	Correlation	Tracking error	Information ratio	Treynor
95%	84%	0.89	7.3%	0.10	7.29

Up capture is how much of the benchmark's gain this scheme kept in the months the benchmark rose; down capture, how much of its fall it took. Below 100 on the down side and above it on the up side is the combination every fund is trying for and few reach. Measured over the 36 months this scheme and Nifty 500 share.

UTI - Banking and Financial Services Fund

Regular Plan · IDCW

Allocation

By asset

Equity	98.73%
Cash & Equivalents	1.27%

By market cap

Large Cap	78.21%
Mid Cap	9.91%
Small Cap	9.96%
Unclassified	0.65%

Concentration

Number of stocks	37
Top 5 stocks	57.77%
Top 10 stocks	77.05%
Top 20 stocks	88.89%
Lines in the filing	39

Largest holding	17.60%
Largest sector	Banks 64.53%
Effective stocks	12.3
Sectors held	6
Cash	1.27%

Effective stocks is what the concentration works out to: a fund holding 37 names but most of its money in a few behaves like a fund of 12. Cash includes repo and TREPS, which every fund parks money in overnight.

Sector split

Banks	64.53%
Finance	17.96%
Insurance	9.46%
Capital Markets	4.66%
Financial Technology (Fintech)	1.47%
Cash & Equivalents	1.27%
Not Applicable	0.65%

UTI - Banking and Financial Services Fund

Regular Plan · IDCW · holdings

Top 30 holdings

#	Company	Sector	Shares held	Value ₹ cr	% of fund
1	EQ - HDFC BANK LIMITED	Banks	3,325,000	—	17.60%
2	EQ - ICICI BANK LTD	Banks	1,051,000	—	10.37%
3	EQ - STATE BANK OF INDIA	Banks	1,393,490	—	9.98%
4	EQ - AXIS BANK LTD.	Banks	1,085,000	—	9.93%
5	EQ - KOTAK MAHINDRA BANK LTD.	Banks	3,175,000	—	9.89%
6	EQ - BAJAJ FINANCE LTD.	Finance	707,388	—	5.07%
7	EQ - SHRIRAM FINANCE LTD	Finance	627,975	—	4.61%
8	EQ - UJJIVAN SMALL FINANCE BANK LTD	Banks	7,800,000	—	3.93%
9	EQ - SBI LIFE INSURANCE COMPANY LTD	Insurance	307,000	—	3.89%
10	EQ - ICICI LOMBARD GENERAL INSURANC	Insurance	150,000	—	1.78%
11	EQ - AAVAS FINANCIERS LTD.	Finance	195,000	—	1.76%
12	EQ - BAJAJ FINSERV LTD.	Finance	116,000	—	1.50%
13	EQ - BSE LTD	Capital Markets	55,000	—	1.27%
14	NET CURRENT ASSETS	Unclassified	—	—	1.26%
15	EQ - MAX FINANCIAL SERVICES LTD.	Insurance	116,000	—	1.19%
16	EQ - BANK OF MAHARASHTRA	Banks	1,850,000	—	1.10%
17	EQ - MULTI COMMODITY EXCHANGE OF IN	Capital Markets	43,052	—	1.06%
18	EQ - CHOLAMANDALAM INVESTMENT & FIN	Finance	83,756	—	1.01%
19	EQ - LIC OF INDIA	Insurance	335,000	—	0.99%
20	EQ - ADITYA BIRLA CAPITAL LTD	Finance	349,979	—	0.99%
21	EQ - KFIN TECHNOLOGIES LTD	Capital Markets	154,682	—	0.97%
22	EQ - BANDHAN BANK LTD.	Banks	700,000	—	0.93%
23	EQ - BILLIONBRAINS GARAGE VENTURES LTD	Capital Markets	650,000	—	0.89%
24	EQ - GENERAL INSURANCE CORPORATION	Insurance	351,860	—	0.87%
25	EQ - INDUSIND BANK	Banks	118,468	—	0.80%
26	EQ - SESHAASAI TECHNOLOGIES LIMITED	Financial Technology (Fintech)	274,995	—	0.76%
27	EQ - HDFC LIFE INSURANCE COMPANY LI	Insurance	190,000	—	0.74%
28	EQ - SUNDARAM FINANCE LTD.	Finance	21,654	—	0.70%
29	EQ - NATIONAL STOCK EXCHANGE OF INDIA LIMITED	Not Applicable	49,009	—	0.65%
30	EQ - ONE 97 COMMUNICATIONS LTD	Financial Technology (Fintech)	50,000	—	0.63%

UTI - Banking and Financial Services Fund

Regular Plan · IDCW · where the money sits

A ₹10,000 monthly SIP over five years

Invested	Value	Gain	XIRR
₹600,000	₹815,599	₹215,599	12.24%

XIRR, not CAGR — a SIP's money arrives over sixty months, so each instalment has been invested for a different length of time.

Not investment advice. InvestVerdict is not a SEBI-registered Investment Adviser or Research Analyst. Every figure is computed from AMFI's published NAV history and the portfolio the AMC filed with AMFI; none of it is a recommendation to buy, hold or sell. Past returns do not predict future ones. Generated 30 Oct 2026.