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InvestVerdict

UTI Banking & PSU Debt Fund

Direct Plan · Annual IDCW · Banking & PSU · Scheme code 140135

NAV₹13.8221as on 28 Oct 2026
Fund houseUTI Mutual Fund
CategoryBanking & PSU
Plan & optionDirect · Annual IDCW
History9.8 years

Returns (%)

 1M3M6M1Y3Y5Y7Y10YLaunch
This scheme 0.552.18-0.03 2.803.634.15 3.95—3.14
Banking & PSU
category median		 ——— 3.936.856.14 —7.02—

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

Risk

 VolatilitySharpeSortinoBetaAlphaMax fallR²
This scheme 3.5% -0.81 -0.83 — — -9.9% —

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

9511012413820182020202220242026InvestVerdict

Drawdown from peak (%)

0%-4%-7%-11%20182020202220242026

Every one-year period it has lived through

WindowsWorstMedianBestPeriods that lost money
2,127 -5.1% 2.8% 11.2% 28%

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.

InvestVerdict

UTI Banking & PSU Debt Fund

Direct Plan · Annual IDCW

Allocation

By asset

Debt97.46%
Cash & Equivalents2.50%

By market cap

Concentration

Number of stocks42
Top 5 stocks26.30%
Top 10 stocks42.94%
Top 20 stocks68.82%
Lines in the filing44
Largest holding7.50%
Largest sectorCRISIL-AAA 24.68%
Effective stocks31.5
Sectors held9
Cash2.50%

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 — 24.7%CRISIL-A1+ — 21.5%CARE-A1+ — 16.3%ICRA-A1+ — 14.6%SOV — 9.0%ICRA-AAA — 7.8%Other — 6.1%CRISIL-AAA24.7%CRISIL-A1+21.5%CARE-A1+16.3%ICRA-A1+14.6%SOV9.0%ICRA-AAA7.8%Other6.1%
CRISIL-AAA24.68%
CRISIL-A1+21.52%
CARE-A1+16.27%
ICRA-A1+14.63%
SOV8.96%
ICRA-AAA7.77%
Cash & Equivalents2.50%
CARE-AAA2.36%
IND-AAA1.01%
-0.26%
InvestVerdict

UTI Banking & PSU Debt Fund

Direct Plan · Annual IDCW · holdings

Top 30 holdings

#CompanySectorShares 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%
InvestVerdict

UTI Banking & PSU Debt Fund

Direct Plan · Annual IDCW · where the money sits

A ₹10,000 monthly SIP over five years

InvestedValueGainXIRR
₹600,000 ₹656,463 ₹56,463 3.55%

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.