UTI BANKING AND PSU DEBT FUND

Banking and PSU Fund | An open ended debt scheme predominantly investing in debt instruments issued by Banks, Public Sector Undertakings, Public Financial Institutions and Municipal Bonds. | Data as on 31 October 2021

Investment Objective
The investment objective of the scheme is to generate reasonable income, with low risk and high level of liquidity from a portfolio of predominantly debt & money market securities by Banks, Public Sector Undertakings (PSUs), Public Financial Institutions (PFIs) and Municipal Bonds.
However there can be no assurance that the investment objective of the Scheme will be achieved. The Scheme does not guarantee / indicate any returns.
Inception Date
27th January, 2014
Fund Manager
Mr. Sudhir Agrawal [MCom, PGDBA (Finance), CFA]
Managing the scheme since Aug-2014
Fund AUM
Fund size monthly average : 232.03 Crore
Closing AUM : 246.04 Crore
High/Low NAV in the month
High Growth Option : 16.4795
Low Growth Option : 16.4554
Total expense ratio (%)
Regular : 0.30
Direct : 0.16
Minimum Investment Amount
Minimum initial investment under Growth option is Rs.500/- and in multiples of Re.1/-. & under IDCW option is Rs.20,000/- and in multiples of Re.1/-
Plans/Options (Regular / Direct)
IDCW option & Growth option Mthly/Qtly/HalfYearly/Annual/Flexi Payout & Reinvestment
IDCW Option
No. of Unit Holding Accounts 3,751
Portfolio Parameters Weighted Average Maturity : 1.71 yrs
Yield to Maturity : 4.10%
Modified Duration :1.17 yrs
Macaulay Duration : 1.21 yrs
PMAT : 1.71 yrs
PMD : 1.17 yrs
PYLD : 4.10%
PMCD : 1.21 yrs
Load Structure
Entry Load : Nil
Exit Load : Nil
NAV per unit as on 31st October, 2021
Regular Growth Option 16.4742
Regular IDCW Option 11.8603
Direct Growth Option 16.5978
Direct IDCW Option 11.9237
Benchmark Index
CRISIL Banking and PSU Debt Index
SIP/SWP/STRIP Digital Factsheet - Checkbox Image
Fund Size 232.03 Crore (Monthly Average as on 31/10/2021)
UTI Banking & PSU Debt Fund - IDCW Declared
Year
IDCW 
Per unt
NAV (Cum Div )
Face Value
(per unit)
NAV Date
Record Date
2015
1.50%
0.150
10.4645
10.00
21-12-2015
28-12-2015
2016
2.50%
0.250
11.2802
10.00
21-03-2016
28-03-2016
2016
1.50%
0.150
11.2826
10.00
20-06-2016
27-06-2016
2016
1.50%
0.150
10.7366
10.00
19-09-2016
26-09-2016
2016
1.50%
0.150
10.9412
10.00
19-12-2016
26-12-2016
2017
2.50%
0.250
10.9018
10.00
15-03-2017
22-03-2017
2017
1.50%
0.150
10.9302
10.00
21-06-2017
28-06-2017
2017
1.50%
0.150
10.9452
10.00
18-09-2017
25-09-2017
2017
1.50%
0.150
10.9373
10.00
19-12-2017
26-12-2017
2018
1.50%
0.150
10.9148
10.00
19-03-2018
26-03-2018
2018
0.30%
0.030
10.8702
10.00
19-06-2018
26-06-2018
2018
1.00%
0.100
11.0165
10.00
18-09-2018
25/09/2018
2018
1.20%
0.120
11.2040
10.00
19-12-2018
26-12-2018
2019
1.50%
0.150
11.0514
10.00
18-03-2019
25-03-2019
2020
1.00%
0.100
11.3820
10.00
17-06-2020
24-06-2020
2020
1.00%
0.100
11.4756
10.00
16-09-2020
23-09-2020
2020
1.00%
0.100
11.5779
10.00
14/12/2020
21/12/2020
2021
0.50%
0.050
11.4186
10.00
16/06/2021
23/06/2021
2021
0.75%
0.075
11.4837
10.00
15/09/2021
22/09/2021

The scheme IDCW details under regular plan.
Disclaimer: Pursuant to payment of Dividend/Bonus, the Nav of the income distribution cum capital withdrawal options of the schemes would fall to the extent of payout and statutory levy (if applicable)

Portfolio
% of Nav
Rating
CP / CDs
EXIM Bank
2.02
CRISIL A1+
Govt Securities
6.10% GSEC MAT-12/07/2031.
9.95
SOV
GOI FRB - MAT 22/09/2033
2.06
SOV
Long Term Debt
Food Corporation Of India
8.29
CRISIL AAA(CE)
NHPC Ltd.
8.23
ICRA AAA
REC Ltd
8.16
CRISIL AAA
National Highways Authority Of India
6.13
CRISIL AAA
Oil & Natural Gas Corporation Ltd.
6.03
ICRA AAA
Housing And Urban Development Corpn
5.20
ICRA AAA
Indian Railways Fin Corpn Ltd.
4.20
CRISIL AAA
Hindustan Petroleum Corporation Ltd.
4.16
CRISIL AAA
National Bank For Agriculture & Rural Development
4.15
ICRA AAA
Small Indst. Dev. Bank Of India
4.15
CARE AAA
Jorabat Shillong Expressway Ltd.~
2.08
IND D
National Housing Bank
2.06
CRISIL AAA
Indian Oil Corporation Ltd.
2.04
CRISIL AAA
Net Current assets
21.09
Total
100.00
Top 10 scrips in the portfolio
~ Backed by Annuity from National Highway Authority of India - NHAI

Fund Performance Vs Benchmark (CAGR) as on 31st October 2021 Growth of 10000
Period
NAV Growth (%)
CRISIL Banking
and PSU Debt
Index (%)
CRISIL 10 Year Gilt Index  (%)
NAV Growth 
()
CRISIL Banking
and PSU Debt
Index ()
CRISIL 10 Year Gilt Index ()
1 Year
2.98
4.58
1.64
10,298
10,458
10,164
3 Years
3.97
8.81
8.28
11,240
12,886
12,698
5 Years
5.06
7.74
5.84
12,801
14,520
13,284
Since inception*
6.66
8.85
7.82
16,477
19,286
17,917

Different plans have a different expense structure. The performance details provided herein are of regular plan.
*Compounded annualized Growth Rate.
For performance details of other Schemes managed by the Fund Manager, please refer the respective Scheme sheets as listed in Please click here in ‘Fund Manager Summary’. No of Schemes Managed by Mr. Sudhir Agrawal is 6.

Period
Investment Amount ()
Value- Fund ()
CRISIL Banking
and PSU Debt
Index ()
CRISIL 10 Year
Gilt Index
()
Yield (%) Fund
Yield (%)
CRISIL Banking and
PSU Debt Index
Yield (%)
CRISIL 10 Year
Gilt Index
1 Year
120,000
121,981
123,190
122,168
3.11
5.02
3.41
3 Years
360,000
386,884
402,559
387,587
4.75
7.42
4.87
5 Years
600,000
673,203
729,665
691,741
4.56
7.78
5.64
7 Years
840,000
1,013,775
1,115,612
1,039,213
5.30
7.99
6.00
Since inception
920,000
1,141,011
1,263,464
1,168,106
5.53
8.13
6.13

Note: Systematic Investment Plan (SIP) returns are worked out assuming investment of 10,000/- every month at NAV per unit of the scheme as on the first working day for the respective time periods. The loads have not been taken into account. Past performance may or may not be sustained in future.

*Investors should consult their Mutual Fund Distributor if in doubt about whether the product is suitable for them.:

  • Reasonable income, with low risk and high level of liquidity over short to medium term
  • Investment predominantly in Debt & Money Market Securities issued by Bank, Public Sector Undertaking (PSUs),Public Financial Institutions (PFIs) and Municipal Bonds

*Investors should consult their financial advisers if in doubt about whether the product is suitable for them.

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