| Investment Objective The objective of the scheme is to generate long term capital appreciation by investing predominantly in equity and equity related securities of companies/institutions engaged in the banking and financial services activities. However, there can be no assurance or guarantee that the investment objective of the scheme would be achieved. |
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| Date of inception/allotment |
7th April, 2004 | ||||||||||||
| Fund Manager |
Mr. Amit Premchandani, PGDM (IIM Indore), CA, CFA. Managing the scheme since Jun 2025 Total Exp: 17 Yrs Mr. Bhavesh Kanani - B. Com, MBA (Finance), Diploma in Business Finance. Managing the scheme since Jan 2026 Total Exp: 0.3 Yrs |
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| Fund AUM/Folio as on 31st July, 2026 |
Fund Size Monthly Average : 1,438.82 Crore Closing AUM : 1,439.51 Crore No. of Folios : 66,782 |
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| High/Low NAV in the month |
High Growth Option : 200.0830 Low Growth Option : 193.4089 |
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Month-end Total Expense Ratio (%)* |
Regular : 2.35 Direct : 1.36 *For detailed YTD Total Expense Ratio refer to Click Here |
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Minimum Investment Amount |
Minimum initial investment of 5000/-and in multiples of 1/- thereafter with no upper limit. | ||||||||||||
Plans/Options
(Regular / Direct) |
Growth option IDCW option with Payout and Reinvestment | ||||||||||||
Market Capitalisation (%) |
|
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Load Structure |
Entry Load : Nil Exit Load : < 30 days – 1%; ≥ 30 days – Nil |
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NAV per unit as on 31st July, 2026 |
Regular Growth Option 197.2892 Regular IDCW Option 76.7840 Direct Growth Option 227.2517 Direct IDCW Option 88.9424 |
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Benchmark Index |
Nifty Financial Services TRI | ||||||||||||
Overweight (Top 5) |
% of Nav |
Underweight (Top 5) |
% of Nav |
| Ujjivan Small Finance Bank Ltd | 3.8 | BSE Ltd | -4.6 |
| Aavas Financiers Ltd | 1.8 | Jio Financial Services Ltd | -2.6 |
| SBI Life Insurance Company Ltd | 1.0 | ICICI Bank Ltd | -2.2 |
| KFin Technologies Ltd | 1.0 | Power Finance Corporation Ltd | -1.9 |
| PB Fintech Ltd | 0.9 | Bajaj Finance Ltd | -1.6 |
UTI Banking and Financial Fund (Formerly known as UTI Banking Sector Fund) IDCW Declared |
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Year |
IDCW |
Per unt |
NAV (Cum Div ) |
Face Value (per unit) |
NAV Date |
Record Date |
2005 |
25% |
2.50 |
15.62 |
10.00 |
22-09-2005 |
29-09-2005 |
2007 |
35% |
3.50 |
19.02 |
10.00 |
23-05-2007 |
30-05-2007 |
2009 |
22% |
2.20 |
19.04 |
10.00 |
04-09-2009 |
11-09-2009 |
2010 |
10% |
1.00 |
22.78 |
10.00 |
24-06-2010 |
01-07-2010 |
2011 |
25% |
2.50 |
24.20 |
10.00 |
27-01-2011 |
03-02-2011 |
2011 |
25% |
2.50 |
21.82 |
10.00 |
04-05-2011 |
09-05-2011 |
2015 |
25% |
2.50 |
31.8833 |
10.00 |
16-07-2015 |
23-07-2015 |
2016 |
25% |
2.50 |
30.6179 |
10.00 |
03-08-2016 |
10-08-2016 |
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)
| Financial Services | 96% |
|
Equity
|
% of NAV
|
| HDFC Bank Ltd. | 17.28 |
| ICICI Bank Ltd | 12.47 |
| Axis Bank Ltd. | 9.69 |
| State Bank Of India | 8.91 |
| Kotak Mahindra Bank Ltd. | 8.81 |
| Bajaj Finance Ltd. | 7.86 |
| Shriram Finance Ltd | 3.84 |
| Ujjivan Small Finance Bank Ltd | 3.83 |
| SBI Life Insurance Company Ltd. | 3.62 |
| Bajaj Finserv Ltd. | 2.06 |
| Aavas Financiers Ltd | 1.84 |
| Cholamandalam Investment And Finance Company Ltd. | 1.72 |
| ICICI Lombard General Insurance Company Ltd | 1.69 |
| Max Financial Services Ltd. | 1.62 |
| HDFC Life Insurance Company Ltd. | 1.49 |
| KFIN Technologies Ltd | 1.01 |
| PB Fintech Ltd | 0.95 |
| Multi Commodity Exchange Of India Ltd | 0.94 |
| General Insurance Corporation Of India | 0.87 |
| IndusInd Bank Ltd. | 0.83 |
| Billionbrains Garage Ventures Ltd | 0.74 |
| Seshaasai Technologies Ltd. | 0.72 |
| Sundaram Finance Ltd. | 0.70 |
| Creditaccess Grameen Ltd | 0.66 |
| Aditya Birla Capital Ltd | 0.56 |
| India Shelter Finance Corporation Ltd | 0.53 |
| Cholamandalam Financial Holdings Ltd | 0.48 |
| ICICI Prudential Asset Management Company Ltd. | 0.43 |
| AU Small Finance Bank Ltd | 0.25 |
| Net Current Assets | 3.58 |
| TOTAL | 100.00 |
% of top 10 stocks |
78.38 |
Median Market Cap ( Cr) |
6,48,830 |
Weighted Average Market Cap |
5,98,512 |
Number of Securities |
29 |
All figures given are provisional and unaudited. |
Quantitative Indicators |
Fund |
Benchmark |
Beta |
0.94 |
1 |
Standard Deviation (Annual) |
15.90% |
16.17% |
Sharpe ratio |
0.44 |
|
Portfolio Turnover Ratio (Annual) |
0.52 |
|
P/B |
2.43 |
2.39 |
P/E |
18.49 |
17.59 |
RoE |
15.04 |
15.73 |
Calculation Methodology: P/E and P/B are based on harmonic mean: ROE is calculated as a weighted average. All figures are based on trailing twelve months (TTM) data.
| Fund Performance Vs Benchmark (CAGR) as on 31st July, 2026 Growth of 10000 |
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| Period | NAV Growth (%) |
Nifty Financial Services TRI (%) |
Nifty 50 TRI (%) |
NAV Growth TRI () |
Nifty Financial Services TRI () |
Nifty 50 TRI () |
| 1 Y | 5.18 | 0.75 | -0.43 | 10,518 | 10,075 | 9,957 |
| 3 Y | 12.41 | 10.41 | 8.56 | 14,209 | 13,463 | 12,797 |
| 5 Y | 12.33 | 11.06 | 10.40 | 17,890 | 16,901 | 16,404 |
| 5 Y | 10.28 | 13.83 | 12.28 | 26,620 | 36,549 | 31,864 |
| SI* | 14.29 | 16.74 | 13.69 | 1,97,358 | 3,16,909 | 1,75,473 |
B - Benchmark, AB - Additional Benchmark, TRI - Total Return Index. Past performance may or may not be sustained in future. Different plans shall have a different expense structure. The performance details provided herein are of regular plan (growth Option). Returns greater than 1 year period are Compound Annual Growth Rate (CAGR). Inception of UTI Banking & Financial Services Fund: 07-Apr-04. Date of allotment in the scheme/plan has been considered for inception date. Since Inception returns for SIP is calculated from 01-Dec-04. Mr. Amit Premchandani is managing the scheme since Jun-2025 & Mr. Bhavesh Kanani since Jan-2026. Period for which scheme’s performance has been provided is computed basis last day of the month-end preceding the date of advertisement. manages 1 open-ended schemes of UTI Mutual Fund. Load is not taken into consideration for computation of performance.
| Period | |||||||
|
Investment Amount ()
|
Fund Value
() |
Nifty
Financial Services TRI () |
Nifty 50 TRI ()
|
Yield (%) Fund
|
Yield (%)
Nifty Financial Services TRI |
Yield (%)
Nifty 50 TRI |
|
| 1 Y | 1,20,000 | 1,24,068 | 1,21,663 | 1,19,609 | 6.37 | 2.59 | -0.61 |
| 3 Y | 3,60,000 | 4,16,881 | 4,11,680 | 3,84,933 | 9.78 | 8.92 | 4.40 |
| 5 Y | 6,00,000 | 8,15,753 | 7,82,707 | 7,36,945 | 12.25 | 10.58 | 8.16 |
| 7 Y | 8,40,000 | 13,68,701 | 13,06,967 | 12,67,635 | 13.71 | 12.42 | 11.56 |
| 10 Y | 12,00,000 | 21,62,738 | 23,30,523 | 22,36,430 | 11.34 | 12.74 | 11.97 |
| 15 Y | 18,00,000 | 46,35,251 | 57,27,813 | 48,87,346 | 11.69 | 14.15 | 12.31 |
| SI | 26,00,000 | 1,20,42,680 | 1,69,09,435 | 1,15,48,740 | 12.45 | 14.96 | 12.14 |
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*:
- Long term capital appreciation
- Investment predominantly in equity and equity related securities of companies engaged in banking and financial services activities.
*Investors should consult their financial advisers if in doubt about whether the product is suitable for them.