What is the current price / NAV of UTI Banking & PSU Debt Fund(F-IDCW)?
The current NAV of UTI Banking & PSU Debt Fund(F-IDCW) is ₹20.68, as of 4th September 2026.What are the returns of UTI Banking & PSU Debt Fund(F-IDCW)?
The UTI Banking & PSU Debt Fund(F-IDCW) was launched on 15th September 2014. This mutual fund's past returns are as follows:- 1 Year Returns: 6.29%
- 3 Year Returns: 7.46%
- 5 Year Returns: 7.71%
What are the top 5 sectoral holdings of UTI Banking & PSU Debt Fund(F-IDCW)?
The top sectors UTI Banking & PSU Debt Fund(F-IDCW) has invested in are as follows:- Public Banks | 39.57%
- Private Banks | 22.72%
- G-Sec | 8.80%
- Consumer Finance | 7.97%
- Home Financing | 6.97%
What are the top 5 holdings of UTI Banking & PSU Debt Fund(F-IDCW)?
The top 5 holdings for UTI Banking & PSU Debt Fund(F-IDCW) are as follows:- CD - CANARA BANK - 28/01/2027 | 7.42%
- CD - UNION BANK OF INDIA - 19/01/2027 | 6.46%
- CD - ICICI BANK LTD - 25/03/2027 | 4.79%
- NET CURRENT ASSETS | 3.88%
- NCD NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT | 3.65%
What is the asset allocation of UTI Banking & PSU Debt Fund(F-IDCW)?
The asset allocation for UTI Banking & PSU Debt Fund(F-IDCW) is as follows:- Certificate of Deposit | 44.44%
- Corporate Debt | 35.18%
- Government Securities | 8.80%
- Commercial Paper | 7.43%
- Cash & Equivalents | 3.88%
What is the AUM of UTI Banking & PSU Debt Fund(F-IDCW)?
The AUM (i.e. assets under management) of UTI Banking & PSU Debt Fund(F-IDCW) is ₹1482.56 Cr as of 4th September 2026.What is the expense ratio of UTI Banking & PSU Debt Fund(F-IDCW)?
The expense ratio of UTI Banking & PSU Debt Fund(F-IDCW) Plan is 0.22 as of 4th September 2026.What is the alpha ratio of UTI Banking & PSU Debt Fund(F-IDCW)?
The alpha ratio for the UTI Banking & PSU Debt Fund(F-IDCW) is 0.82
Alpha is the excess return of a fund compared to its expected return, based on its beta and the risk-free rate. Positive alpha indicates that the fund has outperformed its expected return, while negative alpha suggests underperformance.
What is the volatility or standard deviation of UTI Banking & PSU Debt Fund(F-IDCW)?
The volatility or standard deviation for the UTI Banking & PSU Debt Fund(F-IDCW) is 0.65
Standard deviation measures the volatility or risk associated with the returns of a mutual fund. A higher standard deviation indicates higher volatility, suggesting that the returns of the mutual fund are more spread out from the average. On the other hand, a lower standard deviation implies lower volatility and a more stable performance.
What is the sharpe ratio of UTI Banking & PSU Debt Fund(F-IDCW)?
The Sharpe ratio for the UTI Banking & PSU Debt Fund(F-IDCW) is 2.86
The Sharpe ratio is a measure of risk-adjusted return that evaluates the performance of a mutual fund, by adjusting for its risk. Higher Sharpe ratio indicates a better risk-adjusted performance. A positive Sharpe ratio indicates that the MF has provided a return in excess of the risk-free rate for the amount of risk taken. Conversely, a negative Sharpe ratio suggests that the MF did not adequately compensate for the risk.
What is the Sortino ratio of UTI Banking & PSU Debt Fund(F-IDCW)?
The Sortino Ratio for the UTI Banking & PSU Debt Fund(F-IDCW) is 0.39
The Sortino ratio of a mutual fund is a measure of its risk-adjusted return, considering only downside volatility. It helps investors evaluate how well a fund is performing relative to its downside risk. A higher Sortino ratio (value >1) means the fund generates better returns for the downside risk taken.
UTI Banking & PSU Debt Fund(F-IDCW) Direct IDCW
Scorecard
Performance
HighThe creamy layer - amongst the top performing Mutual Funds
Risk
LowStay at ease, amongst the lower risk funds
Cost
LowExpense that wouldn't create any worry
Composition
AvgAverage allocation strategy, nothing exciting
Red flags
LowWe got you covered, no major red flags identified
How to use scorecard? Learn more
UTI Banking & PSU Debt Fund(F-IDCW) Direct IDCW
IDCW
₹20.680.03% (+0.01)
High
—
—
Low
—
—
Returns
—
—
1M
6M
1Y
3Y
5Y
Max
SIP
1M
6M
1Y
3Y
5Y
Max
SIP
Scorecard
Performance
HighThe creamy layer - amongst the top performing Mutual Funds
Risk
LowStay at ease, amongst the lower risk funds
Cost
LowExpense that wouldn't create any worry
Composition
AvgAverage allocation strategy, nothing exciting
Red flags
LowWe got you covered, no major red flags identified
How to use scorecard? Learn more
UTI Banking & PSU Debt Fund(F-IDCW) Performance & Key Metrics
UTI Banking & PSU Debt Fund(F-IDCW) Performance & Key Metrics
| Expense RatioExpense Ratio | No LabelNo Label | No LabelNo Label |
|---|---|---|
| 0.22 | 6.98 | 2.86 |
| No LabelNo Label | No LabelNo Label | No LabelNo Label |
|---|---|---|
| 0.50 | 7.19 | 0.93 |
UTI Banking & PSU Debt Fund(F-IDCW) Scheme InfoUTI Banking & PSU Debt Fund(F-IDCW) Scheme Info
| PlanPlan | Lock inLock in | Exit LoadExit Load |
|---|---|---|
| IDCW | 0 yrs | 0.00% |
| SIP Inv.SIP Inv. | Min. LumpsumMin. Lumpsum |
|---|---|
| Not allowed | Not allowed |
| BenchmarkBenchmark |
|---|
| NIFTY Banking and PSU Debt Index |
About Banking & PSU Fund
About Banking & PSU Fund
Banking and PSU funds are the debt funds that lend money to banks and public sector companies only. The risk of default is less as the borrowers are of high quality. The performance also depends on the interest rates in the economy.
UTI Banking & PSU Debt Fund(F-IDCW) Peers
UTI Banking & PSU Debt Fund(F-IDCW) Peers & Comparison
Comparing 3 mutual funds from
DebtBanking & PSU Fund
DebtBanking & PSU Fund
Returns
Scheme
Ratios
| Mutual Fund | 1Y Returns1Y Returns | 3Y CAGR3Y CAGR | Life CAGRLife CAGR |
|---|---|---|---|
| UTI Banking & PSU Debt Fund(F-IDCW) | 6.29% | 7.46% | 6.26% |
| Axis Banking and PSU Debt Fund(W-IDCW) | -0.02% | -0.03% | 0.26% |
| Bandhan Banking and PSU Debt Fund(DD-IDCW) | -0.01% | -0.00% | 0.37% |
| Aditya Birla SL Banking & PSU Debt Fund(IDCW Reinvest) | -0.91% | -2.04% | 0.29% |
UTI Banking & PSU Debt Fund(F-IDCW) Returns Comparison
Compare UTI Banking & PSU Debt Fund(F-IDCW) with any MF, ETF, stock or indexCompare UTI Banking & PSU Debt Fund(F-IDCW) with any MF, ETF, stock or index
UTI Banking & PSU Debt Fund(F-IDCW)
Hmm, looks like data is unavailable here. Please come back after some timeUTI Banking & PSU Debt Fund(F-IDCW) Portfolio
UTI Banking & PSU Debt Fund(F-IDCW) Asset Allocation
UTI Banking & PSU Debt Fund(F-IDCW) Asset Allocation
Actual
Target
Dec 2025
Mar 2026
Jun 2026
Aug 2026
Dec 2025
Mar 2026
Jun 2026
Aug 2026
UTI Banking & PSU Debt Fund(F-IDCW) Sector Distribution
UTI Banking & PSU Debt Fund(F-IDCW) Sector Distribution
Dec 2025
Mar 2026
Jun 2026
Aug 2026
UTI Banking & PSU Debt Fund(F-IDCW) Sector Weightage
UTI Banking & PSU Debt Fund(F-IDCW) Sector Weightage
Public Banks
Public Banks as a % of total holdings for last six quarters
UTI Banking & PSU Debt Fund(F-IDCW) Current Holdings
UTI Banking & PSU Debt Fund(F-IDCW) Current Holdings
Debt
Others
- ConstituentHolding Weight3M Change
Holdings
7.42 %
-2.63 %Holdings
6.46 %
-2.30 %Holdings
4.79 %
-1.70 %
AMC Profile of UTI Banking & PSU Debt Fund(F-IDCW)
AMC Profile of UTI Banking & PSU Debt Fund(F-IDCW)
UTI AMC commenced operations from February 1, 2003. It has been promoted by four sponsors, namely, SBI, Life Insurance Corporation of India, Bank of Baroda and Punjab National Bank and each of them hold 25% of the paid up capital of UTI AMC.
UTI AMC commenced operations from February 1, 2003. It has been promoted by four sponsors, namely, SBI, Life Insurance Corporation of India, Bank of Baroda and Punjab National Bank and each of them hold 25% of the paid up capital of UTI AMC.
No.of Schemes
69
Total AUM
₹ 2,66,523.84 Cr.
UTI Banking & PSU Debt Fund(F-IDCW) Manager Details
UTI Banking & PSU Debt Fund(F-IDCW) Manager Details
UTI Banking & PSU Debt Fund(F-IDCW) Manager Profile
UTI Banking & PSU Debt Fund(F-IDCW) Manager Profile
Qualification
B.Com, CA, M.Sc
Past Experience
Mr. Mittal Joined UTI AMC Ltd in 2021. He is Senior Executive Vice President & Head-Fixed Income. He is B.Com from University of Delhi. He is a Chartered Accountant holder from Institute of Chartered Accountants of India. He also holds a degree in Master of Science from London School of Economics, University of London. He began his career with Bank of America. Prior to joining UTI AMC he was working with Bandhan AMC. He had been associated with HDFC MF, Axis MF, ICICI Prudential Life Insurance. He has total work experience of 19 years.
Funds Managed (97)
Debt (90)
1Y Returns
5.67%
5.67%
3Y CAGR
7.39%
7.39%
Expense Ratio
0.32%
0.32%
1Y Returns
2.63%
2.63%
3Y CAGR
3.66%
3.66%
Expense Ratio
0.32%
0.32%
1Y Returns
5.67%
5.67%
3Y CAGR
7.39%
7.39%
Expense Ratio
0.32%
0.32%
1Y Returns
5.67%
5.67%
3Y CAGR
7.39%
7.39%
Expense Ratio
0.32%
0.32%
1Y Returns
0.43%
0.43%
3Y CAGR
4.42%
4.42%
Expense Ratio
1.04%
1.04%
1Y Returns
0.17%
0.17%
3Y CAGR
0.03%
0.03%
Expense Ratio
0.15%
0.15%
1Y Returns
7.06%
7.06%
3Y CAGR
7.90%
7.90%
Expense Ratio
1.04%
1.04%
1Y Returns
7.07%
7.07%
3Y CAGR
7.10%
7.10%
Expense Ratio
1.04%
1.04%
1Y Returns
5.55%
5.55%
3Y CAGR
7.08%
7.08%
Expense Ratio
0.84%
0.84%
1Y Returns
5.55%
5.55%
3Y CAGR
5.87%
5.87%
Expense Ratio
0.84%
0.84%
1Y Returns
5.55%
5.55%
3Y CAGR
7.07%
7.07%
Expense Ratio
0.84%
0.84%
1Y Returns
1.44%
1.44%
3Y CAGR
0.00%
0.00%
Expense Ratio
0.84%
0.84%
1Y Returns
6.29%
6.29%
3Y CAGR
7.46%
7.46%
Expense Ratio
0.22%
0.22%
1Y Returns
1.12%
1.12%
3Y CAGR
0.45%
0.45%
Expense Ratio
0.41%
0.41%
1Y Returns
7.08%
7.08%
3Y CAGR
7.91%
7.91%
Expense Ratio
1.04%
1.04%
1Y Returns
6.63%
6.63%
3Y CAGR
7.43%
7.43%
Expense Ratio
0.15%
0.15%
1Y Returns
1.70%
1.70%
3Y CAGR
2.70%
2.70%
Expense Ratio
0.22%
0.22%
1Y Returns
6.61%
6.61%
3Y CAGR
7.43%
7.43%
Expense Ratio
0.15%
0.15%
1Y Returns
2.99%
2.99%
3Y CAGR
3.68%
3.68%
Expense Ratio
0.22%
0.22%
1Y Returns
6.63%
6.63%
3Y CAGR
7.44%
7.44%
Expense Ratio
0.15%
0.15%
1Y Returns
6.63%
6.63%
3Y CAGR
7.43%
7.43%
Expense Ratio
0.15%
0.15%
1Y Returns
6.44%
6.44%
3Y CAGR
7.31%
7.31%
Expense Ratio
0.33%
0.33%
1Y Returns
6.29%
6.29%
3Y CAGR
7.46%
7.46%
Expense Ratio
0.22%
0.22%
1Y Returns
2.28%
2.28%
3Y CAGR
0.73%
0.73%
Expense Ratio
0.40%
0.40%
1Y Returns
6.63%
6.63%
3Y CAGR
7.43%
7.43%
Expense Ratio
0.15%
0.15%
1Y Returns
6.77%
6.77%
3Y CAGR
7.37%
7.37%
Expense Ratio
0.40%
0.40%
1Y Returns
6.77%
6.77%
3Y CAGR
7.37%
7.37%
Expense Ratio
0.40%
0.40%
1Y Returns
6.77%
6.77%
3Y CAGR
7.37%
7.37%
Expense Ratio
0.40%
0.40%
1Y Returns
2.51%
2.51%
3Y CAGR
3.63%
3.63%
Expense Ratio
0.41%
0.41%
1Y Returns
1.41%
1.41%
3Y CAGR
1.89%
1.89%
Expense Ratio
0.40%
0.40%
1Y Returns
6.45%
6.45%
3Y CAGR
7.32%
7.32%
Expense Ratio
0.33%
0.33%
1Y Returns
0.18%
0.18%
3Y CAGR
0.03%
0.03%
Expense Ratio
0.33%
0.33%
1Y Returns
6.45%
6.45%
3Y CAGR
7.31%
7.31%
Expense Ratio
0.33%
0.33%
1Y Returns
5.79%
5.79%
3Y CAGR
7.49%
7.49%
Expense Ratio
0.41%
0.41%
1Y Returns
5.78%
5.78%
3Y CAGR
7.48%
7.48%
Expense Ratio
0.41%
0.41%
1Y Returns
6.44%
6.44%
3Y CAGR
7.31%
7.31%
Expense Ratio
0.33%
0.33%
1Y Returns
6.77%
6.77%
3Y CAGR
7.37%
7.37%
Expense Ratio
0.40%
0.40%
1Y Returns
6.44%
6.44%
3Y CAGR
7.31%
7.31%
Expense Ratio
0.33%
0.33%
1Y Returns
7.07%
7.07%
3Y CAGR
7.91%
7.91%
Expense Ratio
1.04%
1.04%
1Y Returns
0.14%
0.14%
3Y CAGR
0.02%
0.02%
Expense Ratio
0.33%
0.33%
1Y Returns
0.12%
0.12%
3Y CAGR
0.01%
0.01%
Expense Ratio
0.40%
0.40%
1Y Returns
1.05%
1.05%
3Y CAGR
1.99%
1.99%
Expense Ratio
0.15%
0.15%
1Y Returns
0.01%
0.01%
3Y CAGR
0.00%
0.00%
Expense Ratio
0.15%
0.15%
1Y Returns
6.44%
6.44%
3Y CAGR
7.31%
7.31%
Expense Ratio
0.33%
0.33%
1Y Returns
6.77%
6.77%
3Y CAGR
7.37%
7.37%
Expense Ratio
0.40%
0.40%
1Y Returns
5.78%
5.78%
3Y CAGR
7.48%
7.48%
Expense Ratio
0.41%
0.41%
1Y Returns
1.12%
1.12%
3Y CAGR
0.45%
0.45%
Expense Ratio
0.41%
0.41%
1Y Returns
0.17%
0.17%
3Y CAGR
0.03%
0.03%
Expense Ratio
0.15%
0.15%
1Y Returns
6.29%
6.29%
3Y CAGR
7.46%
7.46%
Expense Ratio
0.22%
0.22%
1Y Returns
6.44%
6.44%
3Y CAGR
7.31%
7.31%
Expense Ratio
0.33%
0.33%
1Y Returns
6.77%
6.77%
3Y CAGR
7.37%
7.37%
Expense Ratio
0.40%
0.40%
1Y Returns
6.63%
6.63%
3Y CAGR
7.43%
7.43%
Expense Ratio
0.15%
0.15%
1Y Returns
1.44%
1.44%
3Y CAGR
0.00%
0.00%
Expense Ratio
0.84%
0.84%
1Y Returns
1.41%
1.41%
3Y CAGR
1.89%
1.89%
Expense Ratio
0.40%
0.40%
1Y Returns
6.63%
6.63%
3Y CAGR
7.43%
7.43%
Expense Ratio
0.15%
0.15%
1Y Returns
6.63%
6.63%
3Y CAGR
7.44%
7.44%
Expense Ratio
0.15%
0.15%
1Y Returns
5.55%
5.55%
3Y CAGR
7.07%
7.07%
Expense Ratio
0.84%
0.84%
1Y Returns
6.77%
6.77%
3Y CAGR
7.37%
7.37%
Expense Ratio
0.40%
0.40%
1Y Returns
6.45%
6.45%
3Y CAGR
7.32%
7.32%
Expense Ratio
0.33%
0.33%
1Y Returns
5.67%
5.67%
3Y CAGR
7.39%
7.39%
Expense Ratio
0.32%
0.32%
1Y Returns
2.99%
2.99%
3Y CAGR
3.68%
3.68%
Expense Ratio
0.22%
0.22%
1Y Returns
6.29%
6.29%
3Y CAGR
7.46%
7.46%
Expense Ratio
0.22%
0.22%
1Y Returns
2.63%
2.63%
3Y CAGR
3.66%
3.66%
Expense Ratio
0.32%
0.32%
1Y Returns
6.61%
6.61%
3Y CAGR
7.43%
7.43%
Expense Ratio
0.15%
0.15%
1Y Returns
7.06%
7.06%
3Y CAGR
7.90%
7.90%
Expense Ratio
1.04%
1.04%
1Y Returns
7.07%
7.07%
3Y CAGR
7.10%
7.10%
Expense Ratio
1.04%
1.04%
1Y Returns
6.45%
6.45%
3Y CAGR
7.31%
7.31%
Expense Ratio
0.33%
0.33%
1Y Returns
0.43%
0.43%
3Y CAGR
4.42%
4.42%
Expense Ratio
1.04%
1.04%
1Y Returns
2.28%
2.28%
3Y CAGR
0.73%
0.73%
Expense Ratio
0.40%
0.40%
1Y Returns
5.67%
5.67%
3Y CAGR
7.39%
7.39%
Expense Ratio
0.32%
0.32%
1Y Returns
7.08%
7.08%
3Y CAGR
7.91%
7.91%
Expense Ratio
1.04%
1.04%
1Y Returns
0.18%
0.18%
3Y CAGR
0.03%
0.03%
Expense Ratio
0.33%
0.33%
1Y Returns
5.67%
5.67%
3Y CAGR
7.39%
7.39%
Expense Ratio
0.32%
0.32%
1Y Returns
6.63%
6.63%
3Y CAGR
7.43%
7.43%
Expense Ratio
0.15%
0.15%
1Y Returns
1.70%
1.70%
3Y CAGR
2.70%
2.70%
Expense Ratio
0.22%
0.22%
1Y Returns
2.51%
2.51%
3Y CAGR
3.63%
3.63%
Expense Ratio
0.41%
0.41%
1Y Returns
5.79%
5.79%
3Y CAGR
7.49%
7.49%
Expense Ratio
0.41%
0.41%
1Y Returns
6.77%
6.77%
3Y CAGR
7.37%
7.37%
Expense Ratio
0.40%
0.40%
1Y Returns
5.55%
5.55%
3Y CAGR
5.87%
5.87%
Expense Ratio
0.84%
0.84%
1Y Returns
5.55%
5.55%
3Y CAGR
7.08%
7.08%
Expense Ratio
0.84%
0.84%
1Y Returns
0.14%
0.14%
3Y CAGR
0.02%
0.02%
Expense Ratio
0.33%
0.33%
1Y Returns
6.29%
6.29%
3Y CAGR
7.46%
7.46%
Expense Ratio
0.22%
0.22%
1Y Returns
6.44%
6.44%
3Y CAGR
7.31%
7.31%
Expense Ratio
0.33%
0.33%
1Y Returns
6.77%
6.77%
3Y CAGR
7.37%
7.37%
Expense Ratio
0.40%
0.40%
1Y Returns
6.44%
6.44%
3Y CAGR
7.31%
7.31%
Expense Ratio
0.33%
0.33%
1Y Returns
5.78%
5.78%
3Y CAGR
7.48%
7.48%
Expense Ratio
0.41%
0.41%
1Y Returns
1.05%
1.05%
3Y CAGR
1.99%
1.99%
Expense Ratio
0.15%
0.15%
1Y Returns
7.07%
7.07%
3Y CAGR
7.91%
7.91%
Expense Ratio
1.04%
1.04%
1Y Returns
5.78%
5.78%
3Y CAGR
7.48%
7.48%
Expense Ratio
0.41%
0.41%
1Y Returns
6.29%
6.29%
3Y CAGR
7.46%
7.46%
Expense Ratio
0.22%
0.22%
UTI Banking & PSU Debt Fund(F-IDCW) Manager Performance (0)
UTI Banking & PSU Debt Fund(F-IDCW) Manager Performance (0)
Debt: Banking & PSU Fund
UTI Banking & PSU Debt Fund(F-IDCW) Review & Opinions
UTI Banking & PSU Debt Fund(F-IDCW) Review & Opinions
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