Data shown is for informational purposes only and does not constitute investment advice. TopFund is not SEBI-registered. Consult a SEBI-registered advisor before investing.
UTI Banking & PSU Fund - Direct Plan - Flexi IDCW
★★★★★ 3rd-party
External rating
- Source: Third-party data provider (Groww/CRISIL)
- Original rating: 5/5, displayed as-is — TopFund does not modify third-party ratings
- Refresh frequency: Whenever TopFund re-syncs this fund's data
- Limitations: The provider's own rating methodology isn't disclosed here — see the provider's own site for their criteria
TopFund Score: 80/100 · Excellent
How this score is calculated
- Star rating (35%)5/5
- 3Y CAGR (30%)7.41%
- Expense ratio (20%)0.24%
- AUM (15%)₹1,508 Cr
Not investment advice — an analytical read of public fund data. Methodology →
UTI Mutual Fund · Debt · Banking and PSU
₹24.06
AUM: ₹1,508 Cr
NAV updated 3 days ago
Plan
Direct
Option
Idcw
Risk
Moderate
Expense Ratio
0.24%
Exit Load
Nil
Fund Manager
Sudhir Agrawal
Inception
Feb 2014
Benchmark
Nifty Banking & PSU Debt Index A-II
Sharpe Ratio
-0.31
Std Dev (1Y)
0.65%
Historical Returns (CAGR)
Annualized trailing returns computed from NAV history — past performance only, not a guarantee of future results.
1m
+0.52%
3m
+1.63%
6m
+3.61%
1y
+6.14%
3y
+7.41%
5y
+7.74%
10y
+6.52%
since inception
+6.48%
TopFund's Take on UTI Banking & PSU Fund - Direct Plan - Flexi IDCW
UTI Banking & PSU Fund - Direct Plan - Flexi IDCW ranks among the stronger performers in the Banking and PSU category, backed by a 5-star rating. TopFund's composite Health Score, which weighs rating, 3-year CAGR, expense ratio and fund size, puts it at 80/100.
Cost: At 0.24%, the expense ratio is meaningfully cheaper — about 31% below the Banking and PSU category average of 0.35% (based on 143 comparable funds). Lower costs compound in your favour over long holding periods.
Risk-adjusted performance: Over the trailing 1-year period, the fund shows a negative Sharpe ratio of -0.31 — over the past year, returns haven't kept pace with the volatility involved, even before accounting for the risk-free rate. Separately, annualised volatility of 0.65% is on the lower side for a Banking and PSU fund, suggesting a comparatively smoother ride.
Who should invest: This fund is best suited to conservative investors prioritising capital stability and predictable income over high growth.
This is an automated, data-driven analysis based on the fund's own metrics and its category peers — not personalized investment advice. Consult a SEBI-registered advisor before investing.
Sector Allocation
Asset Allocation
Fund Snapshot
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Tools & Guides for This Fund
Frequently Asked Questions about UTI Banking & PSU Fund - Direct Plan - Flexi IDCW
The current NAV (Net Asset Value) of UTI Banking & PSU Fund - Direct Plan - Flexi IDCW is ₹24.06. NAV is updated every business day after market close by AMFI.
1Y: 6.14% · 3Y CAGR: 7.41% · 5Y CAGR: 7.74%
The expense ratio of UTI Banking & PSU Fund - Direct Plan - Flexi IDCW is 0.24% per annum. This is the annual fee charged by the fund to manage your investment.
UTI Banking & PSU Fund - Direct Plan - Flexi IDCW is managed by Sudhir Agrawal at UTI Mutual Fund.
UTI Banking & PSU Fund - Direct Plan - Flexi IDCW is classified as a Moderate risk fund. It is suitable for investors with a moderate risk appetite.
UTI Banking & PSU Fund - Direct Plan - Flexi IDCW is a Banking and PSU fund. SIP suitability depends on your investment goal and risk profile.
You can start a SIP in UTI Banking & PSU Fund - Direct Plan - Flexi IDCW with as little as ₹500 per month through most mutual fund platforms. The minimum lump sum investment is typically ₹1,000.
The Assets Under Management (AUM) of UTI Banking & PSU Fund - Direct Plan - Flexi IDCW is ₹1,508 crore. AUM indicates the total market value of assets managed by the fund.
* Past performance is not indicative of future results. Mutual fund investments are subject to market risks.
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