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Mutual fundsSIF

UTI - Banking and Financial Services Fund - Regular Plan - IDCW

NAVs of 8 Nov 2026

UTI Mutual Fund · Equity fund · Regular plan · IDCW

Sectoral / ThematicRegular · IDCWRisk: Very High
NAV · 6 Nov 2026
₹78.6986 ▲ 2.19%
UTI Mutual Fund
Fund size₹1,431 crJuly - September 2026
1-month range₹70.76 – 78.70
1 year+4.14%
Expense ratio2.37%regular plan, a year
5 years+10.53%a year

What the fund does

The objective of the scheme is to generate long term capital appreciation by investing predominantly in equity and equity related securities of companies/institutions engaged in the banking and financial services activities. However, there can be no assurance or guarantee that the investment objective of the scheme would be achieved.

BenchmarkNifty Financial Services TRI
Launched7 Apr 2004
Fund houseUTI Mutual Fund
Fund managersBhavesh Kanani FM 1Not Applicable FM 2Not Applicable FM 3Not Applicable FM 4

NAV history

717578 2026-08-122026-08-252026-09-072026-09-212026-10-052026-10-162026-10-30

Returns

1 week
+9.83%avg 5.4%
1 month
+7.14%avg 2.9%
3 months
+2.31%avg -1.9%
6 months
+6.05%avg 3.1%
This year
+1.95%avg 3.2%
1 year
+4.14%avg 3.7%
3 years (a year)
+14.05%avg 13.8%
5 years (a year)
+10.53%avg 11.8%

Bars: this plan; the thin mark is the Sectoral / Thematic average (regular plans, growth option). Over a year: yearly averages (CAGR). Past returns do not guarantee future returns. Information only, not investment advice.

Monthly returns (%)

YearJanFebMarAprMayJunJulAugSepOctNovDec
2024-0.8
2025-3.6-2.6+8.7+4.4+2.0+4.5-3.0-4.0+1.7+5.2+2.4-0.6
2026+0.7+1.4-15.1+8.8-1.0+6.0+0.5+0.7-5.5-1.9+9.8

Each month's change in NAV (the current month to the latest NAV).

What if you had invested?

Worked out from this plan's actual NAVs. SIP: invested on the first NAV of each month. Taxes and exit loads are not included. Past returns do not guarantee future returns. Information only, not investment advice.

Portfolio as on 30 Sept 2026

Stocks held3839 lines in all
Top 10 stocks77.1%of the fund
Equity98.7%stocks and equity derivatives
Debt & cash1.3%everything else

Where the money is

Equity 98.7%Cash & others 1.3%

Sectors (stocks held)

Banks
64.5%
Finance
18.0%
Insurance
9.5%
Capital Markets
4.7%
Financial Technology (Fintech)
1.5%
Not Applicable
0.7%
Other
0.0%

Changes since 31 Aug 2026

Share of fund30 Sept 202631 Aug 2026Change
Stocks held98.7%96.3%+2.48
Cash & others1.3%3.7%-2.46
Top 10 stocks77.1%76.1%+0.95
Number of stocks3834+4
New stocks 5
  • EQ - BANDHAN BANK LTD.0.93%
  • EQ - NATIONAL STOCK EXCHANGE OF INDIA LIMITED0.65%
  • EQ - ONE 97 COMMUNICATIONS LTD0.63%
  • EQ - SBI CARDS & PAYMENTS SERVICES0.43%
  • EQ - L&T FINANCE LIMITED0.25%
Stocks sold off 1
  • EQ - AU SMALL FINANCE BANK LTDwas 0.26%
Bought more 6
  • EQ - HDFC BANK LIMITED+1.36
  • EQ - BSE LTD+0.93
  • EQ - SHRIRAM FINANCE LTD+0.57
  • EQ - SBI LIFE INSURANCE COMPANY LTD+0.57
  • EQ - KOTAK MAHINDRA BANK LTD.+0.50
  • EQ - CREDITACCESS GRAMEEN LTD+0.47
Cut back 5
  • EQ - MULTI COMMODITY EXCHANGE OF IN-1.33
  • EQ - ICICI BANK LTD-1.16
  • EQ - HDFC LIFE INSURANCE COMPANY LI-0.72
  • EQ - CHOLAMANDALAM INVESTMENT & FIN-0.70
  • EQ - MAX FINANCIAL SERVICES LTD.-0.50

Change is in percentage points. Bought more and cut back list stocks whose share of the fund moved by at least 0.25 points. A share can also move because the price changed, not only because the fund traded.

Stocks held 38

HoldingSector / type% of fund
EQ - HDFC BANK LIMITED
INE040A01034		Banks17.60%
EQ - ICICI BANK LTD
INE090A01021		Banks10.37%
EQ - STATE BANK OF INDIA
INE062A01020		Banks9.98%
EQ - AXIS BANK LTD.
INE238A01034		Banks9.93%
EQ - KOTAK MAHINDRA BANK LTD.
INE237A01036		Banks9.89%
EQ - BAJAJ FINANCE LTD.
INE296A01032		Finance5.07%
EQ - SHRIRAM FINANCE LTD
INE721A01047		Finance4.61%
EQ - UJJIVAN SMALL FINANCE BANK LTD
INE551W01018		Banks3.93%
EQ - SBI LIFE INSURANCE COMPANY LTD
INE123W01016		Insurance3.89%
EQ - ICICI LOMBARD GENERAL INSURANC
INE765G01017		Insurance1.78%
EQ - AAVAS FINANCIERS LTD.
INE216P01012		Finance1.76%
EQ - BAJAJ FINSERV LTD.
INE918I01026		Finance1.50%
EQ - BSE LTD
INE118H01025		Capital Markets1.27%
EQ - MAX FINANCIAL SERVICES LTD.
INE180A01020		Insurance1.19%
EQ - BANK OF MAHARASHTRA
INE457A01014		Banks1.10%
EQ - MULTI COMMODITY EXCHANGE OF IN
INE745G01043		Capital Markets1.06%
EQ - CHOLAMANDALAM INVESTMENT & FIN
INE121A01024		Finance1.01%
EQ - ADITYA BIRLA CAPITAL LTD
INE674K01013		Finance0.99%
EQ - LIC OF INDIA
INE0J1Y01017		Insurance0.99%
EQ - KFIN TECHNOLOGIES LTD
INE138Y01010		Capital Markets0.97%
EQ - BANDHAN BANK LTD.
INE545U01014		Banks0.93%
EQ - BILLIONBRAINS GARAGE VENTURES LTD
INE0HOQ01053		Capital Markets0.89%
EQ - GENERAL INSURANCE CORPORATION
INE481Y01014		Insurance0.87%
EQ - INDUSIND BANK
INE095A01012		Banks0.80%
EQ - SESHAASAI TECHNOLOGIES LIMITED
INE04VU01023		Financial Technology (Fintech)0.76%
EQ - HDFC LIFE INSURANCE COMPANY LI
INE795G01014		Insurance0.74%
EQ - SUNDARAM FINANCE LTD.
INE660A01013		Finance0.70%
EQ - NATIONAL STOCK EXCHANGE OF INDIA LIMITED
INE721I01024		Not Applicable0.65%
EQ - CREDITACCESS GRAMEEN LTD
INE741K01010		Finance0.63%
EQ - ONE 97 COMMUNICATIONS LTD
INE982J01020		Financial Technology (Fintech)0.63%
EQ - INDIA SHELTER FINANCE CORPORATION LTD
INE922K01024		Finance0.51%
EQ - ICICI PRUDENTIAL ASSET MANAGEMENT COMPANY LIMITED
INE346A01027		Capital Markets0.47%
EQ - CHOLAMANDALAM FINANCIAL HOLDIN
INE149A01033		Finance0.47%
EQ - SBI CARDS & PAYMENTS SERVICES
INE018E01016		Finance0.43%
EQ - L&T FINANCE LIMITED
INE498L01015		Finance0.25%
EQ - PB FINTECH LTD
INE417T01026		Financial Technology (Fintech)0.08%
EQ - HDB FINANCIAL SERVICES LIMITED
INE756I01012		Finance0.03%
CLEARING CORPORATION OF INDIA LTD. STD - MARGIN–0.01%

Debt, money market and cash 1

HoldingSector / type% of fund
NET CURRENT ASSETS–1.26%

From the fund house's monthly portfolio (d3ce1o48hc5oli.cloudfront.net), as on 30 Sept 2026. Percentages are of the fund's net assets. Published about ten days after each month ends.

Risk

Volatility17.7%yearly, from daily NAVs
Worst fall-43.29%31 May 2019 → 31 Mar 2020
RiskometerVery HighVery High

Volatility: how much the NAV moves, as a yearly figure (higher = bumpier). Worst fall: the biggest drop from a high, in the NAV history we hold (from 31 May 2016).

Where it can invest (limits from the scheme document)

Equity & equity related instruments of entities engaged in banking and financial services activities
80–100%
Money Market Instruments and other instruments permissible under residual portion
0–20%

The ranges the fund is allowed to hold, not what it holds today.

Fund details

Fund size (average AUM, July - September 2026)₹1,431 cr across all plans · this plan ₹135 cr
Fund houseUTI Mutual Fund
CategoryEquity · Sectoral / Thematic
PlanRegular
OptionIDCW
Expense ratio (TER)Direct 1.44% · Regular 2.37% (5 Nov 2026)
Exit load1.00% if redeemed before 30 days from the date of allotment. Nil if redeemed on or after 30 days from the date of allotment
Minimum investmentRegular Plan-Growth- Rs.5000, Regular Plan-Reinvestment of IDCW- Rs.5000, Regular Plan-Payout of IDCW- Rs.5000, Direct Plan-Growth- Rs.5000, Direct Plan-Reinvestment of IDCW- Rs.5000, Direct Plan-Payout of IDCW- Rs.5000, · additional Regular Plan-Growth-Rs.1000, Regular Plan-Reinvestment of IDCW-Rs.1000, Regular Plan-Payout of IDCW-Rs.1000, Direct Plan-Growth-Rs.1000, Direct Plan-Reinvestment of IDCW-Rs.1000, Direct Plan-Payout of IDCW-Rs.1000,
Scheme code (AMFI)102402
ISININF789F01356
NAV date6 Nov 2026

Scheme details from the fund's scheme summary document filed with AMFI; expense ratios from AMFI's daily filings.

Other plans of this fund

PlanNAV1 year
Direct · Growth₹233.5108+5.19%
Direct · IDCW₹91.3921+5.19%
Regular · Growth₹202.2086+4.14%

Top Sectoral / Thematic funds (regular plans)

Fund1 year3 years (a year)
Nippon India Taiwan Equity Fund+37.70%+40.44%
HDFC Defence Fund+19.63%+33.69%
HDFC Pharma and Healthcare Fund+26.81%+30.17%
SBI HEALTHCARE OPPORTUNITIES FUND+21.11%+24.39%
HDFC Transportation and Logistics Fund+8.74%+23.82%
UTI - Healthcare Fund+17.70%+23.50%
Mirae Asset Healthcare Fund+22.57%+23.40%
BANK OF INDIA MANUFACTURING & INFRASTRUCTURE FUND+16.15%+22.19%

All Sectoral / Thematic funds ranked › · Compare with others ›

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Information only, not investment advice.

What is the NAV of UTI - Banking and Financial Services Fund - Regular Plan - IDCW today?

₹78.6986 as of 6 Nov 2026, from AMFI's official NAV data.

What are the returns of UTI - Banking and Financial Services Fund - Regular Plan - IDCW?

1 year: 4.14%, 3 years: 14.05% a year, 5 years: 10.53% a year

What is the difference between direct and regular plans?

Both invest in the same portfolio. Direct plans are bought straight from the fund house and pay no distributor commission, so their expenses are lower and their NAV grows slightly faster.