UTI Banking and Financial Services Fund
NAV
₹228.87
as of 21 Aug 2026
UTI Banking and Financial Services Fund is an open-ended Sectoral/ Thematic scheme from UTI Mutual Fund managing ₹1,440 crore (as of 31 Jul 2026). Its Direct-plan NAV is ₹228.87 as of 21 Aug 2026. The expense ratio is 1.43% a year. Managed by Amit Premchandani. This page is factual data only — it carries no rating and no recommendation.
Key facts
- Expense ratio
- 1.43% / yr
- as of 30 Jun 2026
- Fund size
- ₹1,440 crore
- as of 31 Jul 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 20 Aug 2026Benchmark: NIFTY FINANCIAL SERVICES TRI
UTI Banking and Financial Services Fund
₹187
+87% on ₹100 over 5.0 yrs
Sectoral/ Thematic average
₹187
+87% on ₹100 over 5.0 yrs
Returns vs category
| Window | Fund | Category avg | Gap |
|---|---|---|---|
| 3 months | 6.37% | 6.78% | -0.41 |
| 6 months | -3.46% | 3.68% | -7.14 |
| 1 year | 6.16% | 6.07% | +0.09 |
| 3 years (CAGR) | 14.77% | 16.01% | -1.24 |
| 5 years (CAGR) | 13.39% | 15.20% | -1.81 |
Category average across 119 funds, as of 21 Aug 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
- 12.6%
- Median
- 16.3%
- Best
- 25.2%
25 windows over the last 60 months, stepped monthly; 100% ended positive. Worst window began 1 Feb 2022. Windows overlap — this is the range of past start dates, not a probability of anything.
Risk, measured
- Sharpe ratio (3Y)
- 0.50
- Sharpe ratio (5Y)
- 0.52
- Sortino ratio (3Y)
- 0.74 vs category 0.54
- Standard deviation (3Y)
- 15.73%
- Beta (3Y)
- 0.95
- Alpha (3Y)
- 3.14%
- 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
-3.5% 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
96.4%
Cash
3.6%
Whole-portfolio split, as of 31 Jul 2026.
What it owns
31 positions · top 10 = 78.4%
Market-cap mix
Large 78.9%Mid 8.4%Small 9.1%Other 3.6%
as of 31 Jul 2026
Holdings by sector
Financial Services(9 in top 10)94.7%
- HDFC Bank Ltd17.28%
- ICICI Bank Ltd12.47%
- Axis Bank Ltd9.69%
- State Bank of India8.91%
- Kotak Mahindra Bank Ltd8.81%
- Bajaj Finance Ltd7.86%
- Shriram Finance Ltd3.84%
- Ujjivan Small Finance Bank Ltd Ordinary Shares3.83%
- SBI Life Insurance Co Ltd3.62%
- Technology1.7%
Sectors marked ▶ expand to show this fund’s top-10 holdings in that sector. Holdings as of 31 Jul 2026. Portfolio turnover 57.1% vs category 37.3% a year.
Other top holdings
- Net Current Assets3.56%
The businesses it owns
- P/E (trailing)
- 18.6 vs category 25.8
- P/B
- 2.3 vs category 3.8
- Dividend yield
- 0.8% vs category 1.1%
- Net margin
- 27.0% vs category 15.4%
- Earnings growth
- 14.4%
- Avg market cap
- ₹3.45 lakh crore
Money in, money out
- Net flow, 12 months
- +₹66 cr
- Net flow, 3 months
- +₹15 cr
as of 31 Jul 2026. Flows follow performance more than they predict it.
Quick answers
- What is the NAV of UTI Banking and Financial Services Fund?
- ₹228.87 per unit as of 21 Aug 2026 (Direct plan, growth). NAV is declared daily on working days.
- What is the expense ratio of UTI Banking and Financial Services Fund?
- 1.43% a year for the Direct plan, as of 30 Jun 2026.
- How large is UTI Banking and Financial Services Fund?
- ₹1,440 crore under management as of 31 Jul 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?
- 13.39% a year over the last 5 years (Direct plan, CAGR), against a Sectoral/ Thematic average of 15.20%. Past returns do not predict future returns.
- What is the worst 3-year return of UTI Banking and Financial Services Fund?
- 12.6% a year — the weakest of 25 overlapping 3-year holding periods, beginning 1 Feb 2022. The median was 16.3% 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₹38,299 crore
- ICICI Prudential Business Cycle Fund₹16,123 crore
- UTI - Transportation and Logistics Fund₹4,263 crore
- UTI - MNC Fund₹2,765 crore
- Baroda BNP Paribas India Consumption Fund₹1,464 crore
- Edelweiss Business Cycle Fund₹1,449 crore
- Tata Resources & Energy Fund₹1,421 crore
- UTI - Healthcare Fund₹1,371 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.