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UTI Banking & PSU Fund Direct Growth
Debt
Banking and PSU
Low to Moderate Risk
+7.76%
3Y annualised
+0.01% 1D
NAV: 27 Feb '26
₹23.21
Min. for SIP
₹500
Fund size
₹1,101.43 Cr
Expense ratio
0.20%
Return calculator
Monthly investment
₹5,000
| Over the past | Total investment | Would've become | Historic returns | Returns |
|---|---|---|---|---|
| 1 year | ₹60,000 | ₹62,670 | +4.45% | |
| 3 years | ₹1,80,000 | ₹2,03,039 | +12.80% | |
| 5 years | ₹3,00,000 | ₹3,66,089 | +22.03% | |
| 10 years | ₹6,00,000 | ₹8,57,863 | +42.98% |
Holdings (32)
| Name | Sector | Instruments | Assets |
|---|---|---|---|
| GOI | Sovereign | GOI Sec | 7.89% |
| Kotak Mahindra Bank Ltd. | Financial | CD | 6.41% |
| Union Bank of India | Financial | CD | 6.38% |
| National Housing Bank | Financial | NCD | 5.49% |
| Axis Bank Ltd. | Financial | NCD | 5.01% |
| Export-Import Bank Of India | Financial | Debenture | 4.58% |
| Small Industries Devp. Bank of India Ltd. | Financial | Debenture | 4.57% |
| National Bank For Agriculture & Rural Development | Financial | CD | 4.24% |
| Poonawalla Fincorp Ltd. | Financial | CP | 4.22% |
| Power Finance Corporation Ltd. | Financial | NCD | 3.67% |
| National Bank For Agriculture & Rural Development | Financial | Debenture | 3.65% |
| HDFC Bank Ltd. | Financial | Bonds/Deb | 3.18% |
| Indian Railway Finance Corporation Ltd. | Financial | Bonds | 2.74% |
| Power Finance Corporation Ltd. | Financial | Debenture | 2.29% |
| Aditya Birla Housing Finance Ltd. | Financial | Debenture | 2.29% |
| National Housing Bank | Financial | Debenture | 2.29% |
| Kotak Mahindra Prime Ltd. | Financial | NCD | 2.28% |
| Power Finance Corporation Ltd. | Financial | Bonds/Deb | 2.28% |
| REC Ltd. | Financial | Debenture | 2.28% |
| Export-Import Bank Of India | Financial | Debenture | 2.27% |
| Export-Import Bank Of India | Financial | Bonds | 2.27% |
| LIC Housing Finance Ltd. | Financial | Debenture | 2.25% |
| Indian Bank | Financial | CD | 2.13% |
| Small Industries Devp. Bank of India Ltd. | Financial | CD | 2.12% |
| Tamilnadu State | Others | SDL | 1.85% |
| Bajaj Housing Finance Ltd. | Financial | NCD | 1.81% |
| NHPC Ltd. | Energy | Debenture | 1.36% |
| ICICI Bank Ltd. | Financial | Bonds | 1.36% |
| Bharti Telecom Ltd. | Communication | CP | 1.36% |
| NHPC Ltd. | Energy | NCD | 0.91% |
| HDFC Bank Ltd. | Financial | CD | 0.85% |
| GOI | Sovereign | GOI Sec | 0.57% |
See All
Minimum investments
Min. for 1st investment
₹500
Min. for 2nd investment
₹500
Min. for SIP
₹500
Returns and rankings
Annualised returns
Absolute returns
| Name | 3Y | 5Y | 10Y | All |
|---|---|---|---|---|
| Fund returns | +7.8% | +7.5% | +6.9% | +7.2% |
| Category average (Debt Banking and PSU) | +7.3% | +5.7% | +7.1% | -- |
| Rank (Debt Banking and PSU) | 7 | 1 | 13 | -- |
Exit load, stamp duty and tax
Exit load
Nil
Stamp duty on investment: 0.005% (from July 1st, 2020)
from July 1st 2020
Tax implication
Returns are taxed as per your Income Tax slab.
Check past data
Compare similar funds
| Name | 1Y | 3Y | Fund Size(Cr) | |
|---|---|---|---|---|
ICICI Prudential Banking & PSU Debt Direct Growth | +7.66% | +7.93% | 9,583.50 | |
UTI Banking & PSU Fund Direct Growth | +7.68% | +7.76% | 1,101.43 | |
Axis Banking & PSU Debt Direct Plan Growth | +7.44% | +7.55% | 13,093.52 | |
TRUSTMF Banking & PSU Fund Direct Growth | +7.26% | +7.52% | 130.72 | |
Bandhan Banking and PSU Fund Direct Growth | +7.04% | +7.48% | 12,553.48 | |
| Compare | ||||
Fund management
AMAnurag MittalDec 2021 - PresentView details
AM
Anurag Mittal
Dec 2021 - Present
View details
About UTI Banking & PSU Fund Direct Growth
UTI Banking & PSU Fund Direct Growth is a Debt Mutual Fund Scheme launched by UTI Mutual Fund. This scheme was made available to investors on 14 Nov 2002. Anurag Mittal is the Current Fund Manager of UTI Banking & PSU Fund Direct Growth fund. The fund currently has an Asset Under Management(AUM) of ₹3,93,335 Cr and the Latest NAV as of 27 Feb 2026 is ₹23.21.
The UTI Banking & PSU Fund Direct Growth is rated Low to Moderate risk. Minimum SIP Investment is set to ₹500. Minimum Lumpsum Investment is ₹500.
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Investment Objective
The scheme seeks to generate steady and reasonable income, with low risk and high level of liquidity from a portfolio of predominantly debt & money market securities by Banks and Public Sector Undertakings (PSUs).
Fund benchmarkNifty Banking & PSU Debt Index A-II
Fund house
Rank (total assets)#8 in India
Total AUM₹3,93,334.93 Cr
Date of Incorporation14 Nov 2002
Launch Date14 Nov 2002
AddressUTI Tower, Plot C-1, GN Block,Banrda Kurla Complex, Bandra (East) Mumbai 400051
Websitewww.karvymfs.com
AddressKarvy House, No. 46, 8-2-609/K, Avenue 4, Street No.1 Banjara Hills,