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UTI Banking & PSU Fund - Direct Plan - Growth Option
★★★★★ monitor_heart Health Score: 79/100 · GoodUTI Mutual Fund · Debt · Banking and PSU Fund
₹23.78
AUM: ₹1,226 Cr
NAV updated about 1 month ago
Plan
Direct
Option
Growth
Risk
Moderate
Expense Ratio
0.25%
Exit Load
Nil
Fund Manager
Sudhir Agrawal
Inception
Feb 2014
Benchmark
Nifty Banking & PSU Debt Index A-II
Sharpe Ratio
-1.2
Std Dev (1Y)
0.69%
Historical Returns (CAGR)
Annualized trailing returns computed from NAV history — past performance only, not a guarantee of future results.
1m
+0.52%
3m
+1.49%
6m
+2.65%
1y
+5.51%
3y
+7.15%
5y
+7.48%
10y
+6.68%
since inception
+7.18%
rate_review TopFund's Take on UTI Banking & PSU Fund - Direct Plan - Growth Option
UTI Banking & PSU Fund - Direct Plan - Growth Option holds up reasonably well within the Banking and PSU Fund 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 79/100.
Cost: At 0.25%, the expense ratio is meaningfully cheaper — about 29% below the Banking and PSU Fund category average of 0.35% (based on 142 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 -1.2 — 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 0.69% is on the lower side, 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.
donut_small Sector Allocation
pie_chart Asset Allocation
info Fund Snapshot
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tips_and_updates Tools & Guides for This Fund
Frequently Asked Questions about UTI Banking & PSU Fund - Direct Plan - Growth Option
The current NAV (Net Asset Value) of UTI Banking & PSU Fund - Direct Plan - Growth Option is ₹23.78. NAV is updated every business day after market close by AMFI.
1Y: 5.51% · 3Y CAGR: 7.15% · 5Y CAGR: 7.48%
The expense ratio is 0.25% per annum — the annual fee deducted from your investment to cover fund management costs.
UTI Banking & PSU Fund - Direct Plan - Growth Option is managed by Sudhir Agrawal at UTI Mutual Fund.
UTI Banking & PSU Fund - Direct Plan - Growth Option is a Moderate risk fund. Suitable for investors with a moderate risk appetite.
UTI Banking & PSU Fund - Direct Plan - Growth Option is a Banking and PSU Fund fund. SIP suitability depends on your investment goal and risk profile.
The Assets Under Management (AUM) of UTI Banking & PSU Fund - Direct Plan - Growth Option is ₹1,227 crore as of the latest data.
* Past performance is not indicative of future results. Mutual fund investments are subject to market risks.