UTI Banking and PSU Debt Fund
The scheme seeks to generate steady and reasonable income, with low risk and high level of liquidity from a portfolio of predominantly debt & money market securities by Banks and Public Sector Undertakings (PSUs).
Growthvine rating: 4/5 — ranked #5 of 20 in category.
Fund basics
| Category | Debt: Banking and PSU |
|---|---|
| NAV | ₹23.65 (as of 2026-10-26) |
| AUM | ₹1,448 Cr |
| Expense ratio | 0.40% |
| Riskometer | Moderate |
| Fund manager | Anurag Mittal |
| Exit load | 0 |
Performance & risk
| 5-year annualised return | 7.49% |
|---|---|
| Sharpe ratio | 1.38 |
| Standard deviation | 0.97% |
| Max drawdown | −6.74% |
| Alpha | 0 |
| Beta | 0 |
Over 5 years, captured 99.5% of NIFTY Banking & PSU Debt Index's upside and — of its downside.
Market cap allocation
Concentration
Top holdings
Not disclosed.
Top sectors
Not disclosed.
Calendar-year track record
| Year | Return | Quartile | Category rank |
|---|---|---|---|
| 2026 (partial) | 4.6% | Q1 (Top) | #1 of 20 |
| 2025 | 7.8% | Q1 (Top) | #2 of 20 |
| 2024 | 7.6% | Q4 (Bottom) | #16 of 20 |
| 2023 | 6.7% | Q2 | #10 of 19 |
| 2022 | 10.3% | Q1 (Top) | #1 of 17 |