| 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. |
|
Date of inception/allotment |
27th January, 2014 |
Fund Manager |
Mr. Anurag Mittal, B.Com, Master of Science, Chartered Accountant. Managing the scheme since Dec 2021 Total Exp: 15 Yrs |
Fund AUM/Folio as on 31st July, 2026 |
Fund Size Monthly Average : 1,405.02 Crore Closing AUM : 1,482.56 Crore No. of Folios : 6,670 |
High/Low NAV in the month |
High Growth Option : 23.3580 Low Growth Option : 23.2610 |
Month-end Total Expense Ratio (%)* |
Regular : 0.47 Direct : 0.22 *For detailed YTD Total Expense Ratio refer to Click Here |
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) |
Growth Option Monthly /Quarterly /Half Yearly /Annual /Flexi IDCW option with Payout & Reinvestment facilities |
Portfolio Parameters |
Weighted Average Maturity : 0.62 Yrs *Annualized Portfolio YTM – Yields of all securities are annualized |
Load Structure |
Entry Load : Nil Exit Load : Nil |
NAV per unit as on 31st July, 2026 |
Regular Growth Option 23.3580 Regular IDCW Option 13.4298 Direct Growth Option 23.8211 Direct IDCW Option 13.7041 |
Benchmark Index |
Nifty Banking & PSU Debt Index A-II |
UTI Banking & PSU Fund (Formerly known as UTI Banking and PSU Debt Fund) - IDCW Declared |
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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 |
2021 |
0.75% |
0.075 |
11.4779 |
10.00 |
16/12/2021 |
23/12/2021 |
2022 |
0.50% |
0.050 |
12.0850 |
10.00 |
16/06/2022 |
22/06/2022 |
2024 |
4.75% |
0.475 |
12.6284 |
10.00 |
11-03-2024 |
15-03-2024 |
2025 |
5.00% |
0.5000 |
13.0365 |
10.00 |
13-03-2025 |
20-03-2025 |
| 2026 | 4.25% | 0.42 | 13.4507 | 10 | 06-03-2026 | 12-03-2026 |
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 |
| Govt Securities | ||
| 7.38% GSEC 20/06/2027 | 3.42 | SOV |
| 7.61% TN SDL MAT 15/02/27. | 3.40 | SOV |
| 7.86% KARNATAKA SDL- 15/03/2027 | 1.71 | SOV |
| GS - C STRIP MAT- 15/12/2027 | 0.43 | SOV |
| CP / CDs | ||
| Canara Bank | 8.47 | CRISIL A1+ |
| Small Industries Development Bank Of India | 8.13 | CARE A1+ |
| Union Bank Of India | 6.53 | ICRA A1+ |
| HDFC Bank Ltd. | 6.51 | CARE A1+ |
| ICICI Bank Ltd | 4.84 | ICRA A1+ |
| National Bank For Agriculture And Rural Development | 4.23 | CRISIL A1+ |
| Export Import Bank Of India | 3.29 | CRISIL A1+ |
| Axis Bank Ltd. | 3.27 | CRISIL A1+ |
| Poonawalla Fincorp Ltd. | 3.25 | CARE A1+ |
| Indian Bank | 1.63 | CRISIL A1+ |
| Kotak Mahindra Bank Ltd. | 1.30 | CRISIL A1+ |
| ICICI Securities Ltd. | 0.97 | CRISIL A1+ |
| Long Term Debt | ||
| Power Finance Corporation Ltd. | 4.40 | CRISIL AAA |
| Aditya Birla Housing Finance Ltd | 4.39 | CRISIL AAA |
| National Bank For Agriculture And Rural Development | 3.72 | ICRA AAA |
| Axis Bank Ltd. | 3.71 | CRISIL AAA |
| National Housing Bank | 2.37 | CRISIL AAA |
| HDFC Bank Ltd. | 2.36 | CARE AAA |
| Indian Railway Finance Corporation Ltd | 2.03 | CRISIL AAA |
| Bharti Telecom Ltd. | 1.70 | CRISIL AAA |
| Kotak Mahindra Prime Ltd. | 1.69 | CRISIL AAA |
| REC Ltd | 1.69 | CRISIL AAA |
| Export Import Bank Of India | 1.69 | CRISIL AAA |
| Toyota Financial Services India Ltd | 1.35 | ICRA AAA |
| Tata Capital Housing Finance Ltd | 1.35 | CRISIL AAA |
| Bajaj Housing Finance Ltd | 1.35 | CRISIL AAA |
| ICICI Bank Ltd | 1.01 | ICRA AAA |
| NHPC Ltd. | 1.01 | IND AAA |
| Corporate Debt Market Development Fund | ||
| Corporate Debt Market Devt Fund - A2 Units | 0.26 | |
| Net Current Assets | 2.50 | |
| Total | 100.00 |
| Fund Performance Vs Benchmark (CAGR) as on 31st July, 2026 Growth of 10000
|
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| Period | NAV Growth (%) |
Nifty Banking & PSU Debt Index A-II (%) |
CRISIL 10 Year Gilt Index (%) |
NAV Growth () |
Nifty Banking & PSU Debt Index A-II () |
CRISIL 10 Year Gilt Index () |
| 1 Y | 5.56 | 4.82 | 2.27 | 10,556 | 10,482 | 10,227 |
| 3 Y | 7.11 | 6.81 | 6.78 | 12,291 | 12,187 | 12,177 |
| 5 Y | 7.38 | 5.73 | 5.34 | 14,279 | 13,215 | 12,973 |
| 10 Y | 6.39 | 6.67 | 5.92 | 18,585 | 19,080 | 17,779 |
| SI* | 7.02 | 7.29 | 6.96 | 23,345 | 24,092 | 23,182 |
Past performance may or may not be sustained in future. Different plans have a different expense structure. The performance details provided herein are of regular plan growth option. Date of allotment in the scheme/plan has been considered for inception date. Returns less than 1 year are Simple Annualized and returns greater than 1 year period are Compound Annual Growth Rate (CAGR). The Scheme is managed by Mr. Anurag Mittal Dec 2021. Period for which scheme’s performance has been provided is computed based on the last day of the month-end preceding the date of advertisement. In case, the start/end date of the concerned period is a non-business day, the NAV of the previous date is considered for computation of returns. Load is not taken into consideration for computation of performance.
| Period | |||||||
|
Investment Amount ()
|
Fund Value
() |
Nifty Banking & PSU Debt Index A-II()
|
CRISIL 10 Year
Gilt Index () |
Yield (%) Fund
|
Yield (%)
Nifty Banking & PSU Debt Index A-II |
Yield (%)
Nifty CRISIL 10 Year
Gilt Index |
|
| 1 Y | 1,20,000 | 1,23,810 | 1,23,314 | 1,22,592 | 5.97 | 5.19 | 4.05 |
| 3 Y | 3,60,000 | 3,99,767 | 3,96,651 | 3,93,081 | 6.94 | 6.41 | 5.80 |
| 5 Y | 6,00,000 | 7,20,063 | 7,04,755 | 7,02,072 | 7.24 | 6.38 | 6.23 |
| 7 Y | 8,40,000 | 10,82,032 | 10,44,683 | 10,27,302 | 7.12 | 6.14 | 5.67 |
| 10 Y | 12,00,000 | 16,87,178 | 16,69,548 | 16,20,422 | 6.63 | 6.43 | 5.86 |
| SI | 14,90,000 | 22,95,171 | 22,90,109 | 22,11,940 | 6.70 | 6.66 | 6.14 |
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.
This product is suitable for investors who are seeking*:
- 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.
@The fund intends to follow a roll-down strategy starting June 2022, and the portfolio maturity will ordinarily reduce with time.
