UTI Banking & PSU Fund Direct Growth

Debt
Banking and PSU
Low to Moderate Risk
7.76%
3Y annualised
+0.02% 1D
1M
6M
1Y
3Y
5Y
All
NAV: 11 Jul 2025₹22.45
Min. SIP amount₹500
Rating3
Fund size₹804.78Cr

Return calculator

Monthly SIP
One-Time
₹5,000 per month
Over the past
Total investment of 0
Would have become (%)

Holdings (28)

NameSectorInstrumentAssets
SovereignGOI Sec11.51%
FinancialNCD6.91%
Export-Import Bank Of India
FinancialDebenture6.35%
Small Industries Devp. Bank of India Ltd.
FinancialDebenture6.33%
FinancialNCD5.09%
FinancialNCD4.47%
FinancialNCD4.45%
FinancialBonds/Deb4.41%
FinancialBonds3.81%
FinancialDebenture3.80%
FinancialNCD3.23%
FinancialDebenture3.17%
FinancialDebenture3.17%
FinancialBonds/NCD3.17%
Aditya Birla Housing Finance Ltd.
FinancialDebenture3.15%
Export-Import Bank Of India
FinancialBonds3.15%
EnergyDebenture3.09%
ICICI Bank Ltd.
FinancialDebenture3.07%
FinancialDebenture1.90%
National Bank For Agriculture & Rural Development
FinancialDebenture1.90%
FinancialBonds1.88%
NHPC Ltd.
EnergyDebenture1.88%
SovereignGOI Sec1.28%
FinancialDebenture1.28%
EnergyNCD1.26%
SovereignGOI Sec0.75%
GOI
SovereignGOI Sec0.65%
Tamilnadu State
OthersSDL0.64%
See All

Minimum investment amounts

Min. for 1st investment₹500
Min. for 2nd investment onwards₹500
Min. for SIP₹500

Returns and rankings

Category: Debt Banking and PSU
Annualised returns
Absolute returns
1Y3Y5YAll
Fund returns9.2%7.8%7.2%7.3%
Category average8.9%7.4%5.8%NA
Rank with in category16121NA
Understand terms

Expense ratio, exit load and tax

Expense ratio: 0.33%

Inclusive of GST

Exit load

Nil

Stamp duty

0.005% (from July 1st, 2020)

Tax implication

Returns are taxed as per your Income Tax slab.

Understand terms
Check past data

Fund management

Anurag Mittal
Dec 2021 - Present
View details

Education
Mr. Mittal is B.Com. (Hons), CA and M.Sc. in Accounting and Finance (specialization in Finance) from London School of Economics & Political Science.
Experience
Prior to joining UTI Mutual Fund, he worked with IDFC AMC, HDFC AMC ( Sept. 2012 - Oct. 2015), Axis AMC (July 2009 - Sept. 2012), ICICI Prudential Life Insurance Company Ltd. as Credit Research Analyst (2008-2009) and with Bank of America in Corporate Banking (2006-2008).
Also manages these schemes

Fund house & investment objective

Fund house contact details

Address
UTI Tower, Plot C-1, GN Block,Banrda Kurla Complex, Bandra (East) Mumbai 400051
Phone
0263 2296993
Launch Date
14 Nov 2002
E-mail
NA
UTI Mutual Fund
Asset Management Company
Custodian
NA
Registrar & Transfer Agent
KFin Tech
Address
Karvy House, No. 46, 8-2-609/K, Avenue 4, Street No.1 Banjara Hills,

Pros and cons

Category: Debt Banking and PSU

Pros

Consistently higher annualised returns than category average for the past 1Y, 3Y and 5Y
Exit load is zero
Lower expense ratio: 0.33%

Cons

10Y annualised returns lower than category average by 0.24%

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