UTI Banking and Financial Services Fund
NAV
₹218.22
as of 6 Oct 2026
UTI Banking and Financial Services Fund is an open-ended Sectoral/ Thematic scheme from UTI Mutual Fund managing ₹1,452 crore (as of 31 Aug 2026). Its Direct-plan NAV is ₹218.22 as of 6 Oct 2026. The expense ratio is 1.38% a year. Managed by Amit Premchandani. This page is factual data only – it carries no rating and no recommendation.
Key facts
- Expense ratio
- 1.38% / yr
- as of 31 Aug 2026
- Fund size
- ₹1,452 crore
- as of 31 Aug 2026
- Exit load
- 1%
- SIP available
- Yes
- Launched
- 7 Apr 2004
- ISIN
- INF789F01SN3
₹100 invested, fund vs category
The category line is the average of the funds in this category, built from nyvo’s own NAV data.
Rebased to 100data to 5 Oct 2026Benchmark: NIFTY FINANCIAL SERVICES TRI
UTI Banking and Financial Services Fund
₹165
+65% on ₹100 over 5.0 yrs
Sectoral/ Thematic average
₹166
+66% on ₹100 over 5.0 yrs
Returns vs category
| Window | Fund | Category avg | Gap |
|---|---|---|---|
| 3 months | -6.10% | -4.47% | -1.63 |
| 6 months | -0.60% | 7.56% | -8.16 |
| 1 year | -1.07% | -0.10% | -0.97 |
| 3 years (CAGR) | 11.74% | 12.32% | -0.58 |
| 5 years (CAGR) | 10.54% | 11.84% | -1.30 |
Category average across 119 funds, as of 5 Oct 2026. Short windows are noise; the 3 and 5-year rows are the record. Past returns do not predict future returns.
A single return number depends on its start date. These are ALL the overlapping holding periods, so the worst case is visible – read that number first.
1-year holding periods
- Worst
- -1.8%
- Median
- 14.4%
- Best
- 35.9%
49 windows over the last 60 months, stepped monthly; 96% ended positive. Worst window began 2 Jun 2025. Windows overlap – this is the range of past start dates, not a probability of anything.
3-year holding periods (per year)
- Worst
- 11.6%
- Median
- 16.0%
- Best
- 25.2%
25 windows over the last 60 months, stepped monthly; 100% ended positive. Worst window began 3 Oct 2023. Windows overlap – this is the range of past start dates, not a probability of anything.
Risk, measured
- Sharpe ratio (3Y)
- 0.55
- Sharpe ratio (5Y)
- 0.45
- Sortino ratio (3Y)
- 0.81 vs category 0.66
- Standard deviation (3Y)
- 15.65%
- Beta (3Y)
- 0.95
- Alpha (3Y)
- 3.04%
- Deepest fall (5Y)
- -16.35%
Distance below its own peak
Every dip below 0 is the fund trading under a previous high – how deep and for how long is what a drawdown feels like.
Deepest fall
-15.0%
Right now
-8.5% below peak
Ahead of its benchmark in 64% of months (window: 3y, monthly) – benchmark: NIFTY FINANCIAL SERVICES TRI, name shown only.
Where the money actually is
Equity
96.3%
Cash
3.7%
Whole-portfolio split, as of 31 Aug 2026.
What it owns
35 positions · top 10 = 76.1%
Market-cap mix
Large 77.5%Mid 10.4%Small 8.3%Other 3.7%
as of 31 Aug 2026
Holdings by sector
Financial Services(9 in top 10)94.5%
- HDFC Bank Ltd16.24%
- ICICI Bank Ltd11.53%
- State Bank of India10.17%
- Axis Bank Ltd10.16%
- Kotak Mahindra Bank Ltd9.39%
- Bajaj Finance Ltd5.15%
- Shriram Finance Ltd4.04%
- Ujjivan Small Finance Bank Ltd Ordinary Shares3.71%
- SBI Life Insurance Co Ltd3.32%
- Technology1.8%
Sectors marked ▶ expand to show this fund’s top-10 holdings in that sector. Holdings as of 31 Aug 2026. Portfolio turnover 35.0% vs category 37.4% a year.
Other top holdings
- Net Current Assets3.72%
The businesses it owns
- P/E (trailing)
- 17.8 vs category 25.9
- P/B
- 2.2 vs category 3.9
- Dividend yield
- 1.1% vs category 1.1%
- Net margin
- 27.6% vs category 15.4%
- Earnings growth
- 14.5%
- Avg market cap
- ₹3.35 lakh crore
Money in, money out
- Net flow, 12 months
- +₹81 cr
- Net flow, 3 months
- +₹14 cr
as of 31 Aug 2026. Flows follow performance more than they predict it.
Quick answers
- What is the NAV of UTI Banking and Financial Services Fund?
- ₹218.22 per unit as of 6 Oct 2026 (Direct plan, growth). NAV is declared daily on working days.
- What is the expense ratio of UTI Banking and Financial Services Fund?
- 1.38% a year for the Direct plan, as of 31 Aug 2026.
- How large is UTI Banking and Financial Services Fund?
- ₹1,452 crore under management as of 31 Aug 2026, in the Sectoral/ Thematic category.
- How risky is UTI Banking and Financial Services Fund?
- Its SEBI Riskometer reading is "Very High Risk". One sector, one story. The most-launched shelf on the map, by far.
- What are the 5-year returns of UTI Banking and Financial Services Fund?
- 10.54% a year over the last 5 years (Direct plan, CAGR), against a Sectoral/ Thematic average of 11.84%. Past returns do not predict future returns.
- What is the worst 3-year return of UTI Banking and Financial Services Fund?
- 11.6% a year – the weakest of 25 overlapping 3-year holding periods, beginning 3 Oct 2023. The median was 16.0% and 100% of those windows ended positive. Windows overlap, so this is the range of past start dates, not a probability.
- Who manages UTI Banking and Financial Services Fund?
- Amit Premchandani, managing this fund for 1.1 years.
Where this fund sits
Its shelf, all funds
St · Sectoral / thematic →
One sector, one story. The most-launched shelf on the map, by far.
The money map
How big this shelf is in India →
The whole industry sized by real money, from AMFI’s monthly data.
Side by side
Compare this fund →
Put it next to any other fund – growth, returns, risk and cost in one table.
One bet or two?
Check its overlap →
See whether it owns the same stocks as your other funds.
Other Sectoral/ Thematic funds
- ICICI Prudential India Opportunities Fund₹38,338 crore
- ICICI Prudential Business Cycle Fund₹15,873 crore
- UTI - Transportation and Logistics Fund₹4,341 crore
- UTI - MNC Fund₹2,790 crore
- Edelweiss Business Cycle Fund₹1,463 crore
- Baroda BNP Paribas India Consumption Fund₹1,454 crore
- Invesco India PSU Equity Fund₹1,448 crore
- UTI - Healthcare Fund₹1,444 crore
Data: nyvo research systems; each block above states its own as-of date, and blocks with no data for this fund are omitted rather than estimated. NAV updates daily on working days. The benchmark (NIFTY FINANCIAL SERVICES TRI) is named for reference only; its values are licensed and never shown. This page is factual information about one scheme. It is not investment advice, not a recommendation, and it carries no rating of any kind. Past performance does not predict future returns. Mutual fund investments are subject to market risks; read all scheme related documents carefully.