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
3.6%
-0.89
-0.90
—
—
-10.0%
—
Risk-free rate 6.5%. Beta, alpha and R² are regressed on the
— 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
2,133
-5.2%
2.5%
11.0%
29%
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.
UTI Banking & PSU Debt Fund
Regular Plan · Annual IDCW
Allocation
By asset
Debt
97.46%
Cash & Equivalents
2.50%
By market cap
Concentration
Number of stocks
42
Top 5 stocks
26.30%
Top 10 stocks
42.94%
Top 20 stocks
68.82%
Lines in the filing
44
Largest holding
7.50%
Largest sector
CRISIL-AAA 24.68%
Effective stocks
31.5
Sectors held
9
Cash
2.50%
Effective stocks is what the concentration works out to: a fund holding
42 names but most of its money in a few
behaves like a fund of 32. Cash includes repo and TREPS, which
every fund parks money in overnight.
Sector split
CRISIL-AAA
24.68%
CRISIL-A1+
21.52%
CARE-A1+
16.27%
ICRA-A1+
14.63%
SOV
8.96%
ICRA-AAA
7.77%
Cash & Equivalents
2.50%
CARE-AAA
2.36%
IND-AAA
1.01%
-
0.26%
UTI Banking & PSU Debt Fund
Regular Plan · Annual IDCW · holdings
Top 30 holdings
#
Company
Sector
Shares held
Value ₹ cr
% of fund
1
CD - CANARA BANK - 28/01/2027
CRISIL-A1+
1,150,000,000
—
7.50%
2
CD - UNION BANK OF INDIA - 19/01/2027
ICRA-A1+
1,000,000,000
—
6.53%
3
CD - ICICI BANK LTD - 25/03/2027
ICRA-A1+
750,000,000
—
4.84%
4
NCD NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT
ICRA-AAA
5,500
—
3.72%
5
NCD AXIS BANK LTD.
CRISIL-AAA
550
—
3.71%
6
7.38% GSEC 20/06/2027
SOV
500,000,000
—
3.42%
7
7.61% TN SDL MAT 15/02/27.
SOV
500,000,000
—
3.40%
8
CP EXPORT IMPORT BANK OF INDIA
CRISIL-A1+
500,000,000
—
3.29%
9
CD - Axis Bank Ltd - 13/01/2027
CRISIL-A1+
500,000,000
—
3.27%
10
CD - NABARD - 22/01/2027
ICRA-A1+
500,000,000
—
3.26%
11
CD - SMALL INDST. DEV. BANK OF INDIA - 29/01/2027
CARE-A1+
500,000,000
—
3.26%
12
CD - HDFC BANK LTD. - 22/01/2027
CARE-A1+
500,000,000
—
3.26%
13
CP POONAWALLA FINCORP LTD.
CARE-A1+
500,000,000
—
3.25%
14
CD - SMALL INDST. DEV. BANK OF INDIA - 26/02/2027
CARE-A1+
500,000,000
—
3.24%
15
NCD ADITYA BIRLA HOUSING FINANCE LTD
CRISIL-AAA
4,000
—
2.70%
16
NET CURRENT ASSETS
Unclassified
—
—
2.49%
17
NCD NATIONAL HOUSING BANK
CRISIL-AAA
3,500
—
2.37%
18
NCD HDFC BANK LTD.
CARE-AAA
350
—
2.36%
19
NCD INDIAN RAILWAY FINANCE CORPORATION LIMITED
CRISIL-AAA
300
—
2.03%
20
7.86% KARNATAKA SDL- 15/03/2027
SOV
250,000,000
—
1.71%
21
NCD BHARTI TELECOM LTD.
CRISIL-AAA
2,500
—
1.70%
22
NCD KOTAK MAHINDRA PRIME LTD.
CRISIL-AAA
2,500
—
1.69%
23
NCD POWER FINANCE CORPORATION LTD.
CRISIL-AAA
250
—
1.69%
24
NCD POWER FINANCE CORPORATION LTD.
CRISIL-AAA
250
—
1.69%
25
NCD ADITYA BIRLA HOUSING FINANCE LTD
ICRA-AAA
2,500
—
1.69%
26
NCD EXPORT IMPORT BANK OF INDIA
CRISIL-AAA
250
—
1.69%
27
NCD REC LTD
CRISIL-AAA
2,500
—
1.69%
28
CD - HDFC BANK LTD - 15/02/2027
CARE-A1+
250,000,000
—
1.63%
29
CD - INDIAN BANK - 22/01/2027
CRISIL-A1+
250,000,000
—
1.63%
30
CD - SMALL INDST. DEV. BANK OF INDIA - 04/02/2027
CARE-A1+
250,000,000
—
1.63%
UTI Banking & PSU Debt Fund
Regular Plan · Annual IDCW · where the money sits
A ₹10,000 monthly SIP over five years
Invested
Value
Gain
XIRR
₹600,000
₹651,037
₹51,037
3.23%
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.
