HealthyDirect · Growth
UTI Banking & PSU Debt Fund
UTI Mutual FundIncome/Debt Oriented Schemes - Banking and PSU Debt Fund12.6 years
- NAV
- 24.0215
- 15 Sept 2026
- 1Y
- +6.2%
- Trailing CAGR
- AUM
- ₹1,482.56 Cr
- 31 Aug 2026
- Volatility
- Low
- 3.0% annualized
NAV
Path not in current snapshots
n/a
Returns
Trailing CAGR and simulated monthly SIP XIRR from daily NAV. Category comparison uses the median of comparable share classes in the peer set.
Trailing CAGR
Point-to-point, calendar-day annualized
- 1Y+6.2%
- 3Y+7.4%
- 5Y+7.7%
- 10Y+6.6%
- SI+7.2%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+6.4%
- 3Y+7.2%
- 5Y+7.5%
- 10Y+6.9%
- Since inception
- +7.2%
- Calendar-day CAGR
- Excess 1Y
- +0.9%
- Category median, same plan and option
- 3Y win rate
- +61%
- Windows beating the median
- 3Y percentile
- 100
- Vs comparable share classes
- Worst rolling 3Y
- +3.5%
- 2325 daily-ending windows
- Median rolling 3Y
- +7.4%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 1841 daily-ending windows
- SIP 3Y XIRR
- +7.2%
- Simulated monthly SIP
Drawdown
Peak to trough from a running NAV high. Move across the path to read a date.
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 5 days
- 277 recovered episodes
- Longest recovery
- 283 days
- Trough to prior peak
- Current spell
- 6 days
- Days below latest peak
- Time below peak
- +42%
- NAV observations
2 Apr 2019 – 7 Feb 2020
Trough 30 Apr 2019 · recovered in 283 days
-6.7%
9 Mar 2020 – 17 Apr 2020
Trough 23 Mar 2020 · recovered in 25 days
-2.7%
15 Jan 2019 – 2 Apr 2019
Trough 22 Jan 2019 · recovered in 70 days
-2.2%
13 Sept 2022 – 11 Nov 2022
Trough 14 Oct 2022 · recovered in 28 days
-1.1%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
100
Vs category
56
Consistency
54
Risk-adjusted
58
Drawdown
83
Mean
70
Portfolio
31 Aug 2026 · 44 holdings · top 10 are 43.0%.
- Top 5
- 26.3%
- Top 10
- 43.0%
- Largest holding
- 7.4%
- Effective holdings
- 30.9
CANARA BANK CD 28JAN27
Financial
7.4%
UNION BANK OF INDIA CD 19JAN27
Financial
6.5%
ICICI BANK LIMITED CD 25MAR27
Financial
4.8%
Net Current Assets
Unspecified
3.9%
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 24E 7.80 BD 15MR27 FVRS1LAC
Financial
3.6%
Decision
Quantitative read of the live evidence. An explanation can only restate what is already here.
As of 15 Sept 2026
Healthy
Engine status
Healthy
Doing its job
Why this status
- No material deterioration, cost shock, or persistent category underperformance in the current evidence set.
Supporting reads
- The fund beat the category median in 61% of rolling 3-year windows.
- Three-year return is above the category median.
- Risk-adjusted return sits above the documented risk-free proxy.
- Peak-to-trough drawdown has stayed shallower than 15%.
Worth investigating
Same-category peers with enough history to inspect beside this fund.
Bajaj Finserv Banking and PSU Debt Fund
Bajaj Finserv Mutual Fund
- 1Y
- +5.2%
- 3Y
- n/a
- Vol
- 1.2%
- Max DD
- -0.8%
- Sharpe
- 1.72
- 3Y win
- n/a
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
Caveat: Higher TER · Lower trailing returns
Edelweiss Banking and PSU Debt Fund
Edelweiss Mutual Fund
- 1Y
- +4.9%
- 3Y
- +7.1%
- Vol
- 2.6%
- Max DD
- -4.3%
- Sharpe
- 0.83
- 3Y win
- +83%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
Caveat: Higher TER · Lower trailing returns
ICICI Prudential Banking and PSU Debt Fund
ICICI Prudential Mutual Fund
- 1Y
- +5.7%
- 3Y
- +7.2%
- Vol
- 1.7%
- Max DD
- -2.9%
- Sharpe
- 1.63
- 3Y win
- +77%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
Caveat: Higher TER · Lower trailing returns
Nippon India Banking and PSU Debt Fund
Nippon India Mutual Fund
- 1Y
- +5.1%
- 3Y
- +7.1%
- Vol
- 1.7%
- Max DD
- -3.2%
- Sharpe
- 1.39
- 3Y win
- +83%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
Caveat: Higher TER · Lower trailing returns
Sundaram Banking and PSU Debt Fund (Formerly Known as Sundaram Banking and PSU Fund)
Sundaram Mutual Fund
- 1Y
- +9.1%
- 3Y
- n/a
- Vol
- 1.3%
- Max DD
- -0.5%
- Sharpe
- 2.33
- 3Y win
- n/a
- Lower volatility
- Shallower drawdown
- Higher trailing returns
Caveat: Higher TER