UTI Banking & PSU Debt Fund - Regular Plan - IDCW

NAVs of 8 Nov 2026

UTI Mutual Fund · Debt fund · Regular plan · IDCW

Banking & PSURegular · IDCWRisk: Low to Moderate

NAV · 6 Nov 2026

₹13.5305 ▲ 0.02%

UTI Mutual Fund

Fund size₹1,450 crJuly - September 2026

1-month range₹13.48 – 13.53

1 year+1.65%

Expense ratio0.46%regular plan, a year

5 years+2.67%a year

What the fund does

The investment objective of the scheme is to generate reasonable income, with low risk and high level of liquidity from a portfolio of predominantly debt & money market securities issued by Banks, Public Sector Undertakings (PSUs), Public Financial Institutions (PFIs) and Municipal Bonds. However there can be no assurance that the investment objective of the Scheme will be achieved. The Scheme does not guarantee / indicate any returns.

BenchmarkNifty Banking & PSU Debt Index A-II

Fund houseUTI Mutual Fund

Fund managersAnurag Mittal FM 1Not Applicable FM 2Not Applicable FM 3Not Applicable FM 4

NAV history

Returns

1 week

+0.19%avg 0.6%

1 month

+0.33%avg 0.3%

3 months

+0.93%avg 0.4%

6 months

+1.55%avg 2.5%

This year

+1.37%avg 3.6%

1 year

+1.65%avg 4.1%

3 years (a year)

+2.64%avg 6.7%

5 years (a year)

+2.67%avg 6.0%

Bars: this plan; the thin mark is the Banking & PSU 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 (%)

Year	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec
2024												+0.0
2025	+0.3	+0.1	+0.6	+0.8	+0.8	-0.1	+0.2	-0.1	+0.1	+0.3	+0.1	-0.1
2026	-0.3	+0.3	-0.2	+0.2	-0.2	+0.8	+0.1	+0.2	+0.1	+0.3	+0.2

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

What if you had invested?

Amount (₹) Started

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

Holdings4344 lines in all

Top 10 holdings44.3%of the fund

Debt30.3%bonds, government securities

Money market67.2%CDs, CPs, treasury bills

Where the money is

Debt 30.3%Money market 67.2%Cash & others 2.5%

Credit quality (debt and money market)

A1+

58.0%

AAA

30.0%

Sovereign

9.1%

Unrated / other

0.3%

Changes since 31 Aug 2026

Share of fund	30 Sept 2026	31 Aug 2026	Change
Debt	30.3%	35.4%	-5.12
Money market	67.2%	60.7%	+6.50
Cash & others	2.5%	3.9%	-1.38

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 1

Holding	Sector / type	% of fund
CLEARING CORPORATION OF INDIA LTD. STD - MARGIN	–	0.01%

Bonds, money market and cash 43

Holding	Sector / type	% of fund
CD - CANARA BANK - 28/01/2027 INE476A16G28	CRISIL-A1+	7.77%
CD - UNION BANK OF INDIA - 19/01/2027 INE692A16KU1	ICRA-A1+	6.77%
CD - ICICI BANK LTD - 25/03/2027 INE090AD6337	ICRA-A1+	5.02%
NCD NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT INE261F08EF5	ICRA-AAA	3.80%
NCD AXIS BANK LTD. INE238A08468	CRISIL-AAA	3.80%
7.38% GSEC 20/06/2027 IN0020220037	SOV	3.48%
7.61% TN SDL MAT 15/02/27. IN3120160194	SOV	3.47%
CD - Axis Bank Ltd - 13/01/2027 INE238AD6BV1	CRISIL-A1+	3.39%
CD - HDFC BANK LTD. - 22/01/2027 INE040A16IK8	CARE-A1+	3.38%
CD - NABARD - 22/01/2027 INE261F16AF6	ICRA-A1+	3.38%
CD - SMALL INDST. DEV. BANK OF INDIA - 29/01/2027 INE556F16BX0	CARE-A1+	3.38%
CP POONAWALLA FINCORP LTD. INE511C14ZH9	CARE-A1+	3.37%
CD - SMALL INDST. DEV. BANK OF INDIA - 26/02/2027 INE556F16CC2	CARE-A1+	3.36%
CD - INDIAN BANK - 12/01/2027 INE562A16QE7	CRISIL-A1+	3.05%
NCD ADITYA BIRLA HOUSING FINANCE LTD INE831R07557	CRISIL-AAA	2.76%
NET CURRENT ASSETS	–	2.50%
NCD INDIAN RAILWAY FINANCE CORPORATION LIMITED INE053F07983	CRISIL-AAA	2.08%
7.86% KARNATAKA SDL- 15/03/2027 IN1920160117	SOV	1.74%
NCD BHARTI TELECOM LTD. INE403D08231	CRISIL-AAA	1.73%
NCD ADITYA BIRLA HOUSING FINANCE LTD INE831R07425	ICRA-AAA	1.73%
NCD POWER FINANCE CORPORATION LTD. INE134E08IT9	CRISIL-AAA	1.73%
NCD KOTAK MAHINDRA PRIME LTD. INE916DA7SR0	CRISIL-AAA	1.73%
NCD REC LTD INE020B08FA2	CRISIL-AAA	1.73%
NCD POWER FINANCE CORPORATION LTD. INE134E08LX5	CRISIL-AAA	1.72%
CP EXPORT IMPORT BANK OF INDIA INE514E14TQ3	CRISIL-A1+	1.70%
CD - INDIAN BANK - 22/01/2027 INE562A16QG2	CRISIL-A1+	1.69%
CD - SMALL INDST. DEV. BANK OF INDIA - 04/02/2027 INE556F16BY8	CARE-A1+	1.69%
CD - HDFC BANK LTD - 15/02/2027 INE040A16JC3	CARE-A1+	1.68%
CD - HDFC BANK LTD - 24/02/2027 INE040A16IO0	CRISIL-A1+	1.68%
CP L AND T FINANCE LIMITED INE498L14FQ3	CRISIL-A1+	1.67%
NCD TOYOTA FINANCIAL SERVICES INDIA LTD INE692Q07480	ICRA-AAA	1.38%
NCD TATA CAPITAL HOUSING FINANCE LTD INE033L07IE2	CRISIL-AAA	1.38%
NCD BAJAJ HOUSING FINANCE LTD INE377Y07557	CRISIL-AAA	1.38%
CD - KOTAK MAHINDRA BANK LTD - 29/01/2027 INE237AD6125	CRISIL-A1+	1.35%
NCD POWER FINANCE CORPORATION LTD. INE134E08JI0	CRISIL-AAA	1.04%
NCD ICICI BANK LTD INE090A08TY8	ICRA-AAA	1.03%
NCD NHPC LTD. INE848E07BA1	IND-AAA	1.03%
CP ICICI SECURITIES LTD. INE763G14F35	CRISIL-A1+	1.01%
CD - CANARA BANK - 12/03/2027 INE476A16H92	CRISIL-A1+	1.01%
CD - NABARD - 18/03/2027 INE261F16AQ3	CRISIL-A1+	1.00%
CD - HDFC BANK LTD - 05/03/2027 INE040A16IU7	CARE-A1+	0.67%
GS - C STRIP MAT- 15/12/2027 STRIPS IN001227C056	SOV	0.45%
CORPORATE DEBT MARKET DEVT FUND - A2 UNITS INF0RQ622028	-	0.26%

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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

Volatility1.3%yearly, from daily NAVs

Worst fall-7.64%31 Dec 2018 → 30 Apr 2019

RiskometerLow to ModerateLow to Moderate

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)

t and Money Market Securities issued by Banks, Public Financial Institutions (PFIs) and Public Sector Undertakings (PSUs) and Municipal Bonds

80–100%

amp; Repo) issued by entities other than Banks, Public Financial Institutions (PFIs), Public Sector Undertakings (PSUs) and Municipal Bonds

0–20%

Units issued by InvITs

0–10%

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

Fund details

Fund size (average AUM, July - September 2026)	₹1,450 cr across all plans · this plan ₹0.06 cr
Fund house	UTI Mutual Fund
Category	Debt · Banking & PSU
Plan	Regular
Option	IDCW
Expense ratio (TER)	Direct 0.23% · Regular 0.46% (6 Nov 2026)
Minimum investment	Regular Plan-Monthly Reinvestment of IDCW- Rs.20000, Regular Plan-Monthly Payout of IDCW- Rs.20000, Regular Plan-Half-yearly Reinvestment of IDCW- Rs.20000, Regular Plan-Half-yearly Payout of IDCW- Rs.20000, Regular Plan-Growth- Rs.500, Direct Plan-Growth- Rs.500, Regular Plan-Flexi Reinvestment of IDCW- Rs.20000, Regular Plan-Flexi Payout of IDCW- Rs.20000, Regular Plan-Quarterly Reinvestment of IDCW- Rs.20000, Regular Plan-Quarterly Payout of IDCW- Rs.20000, Direct Plan-Flexi Reinvestment of IDCW- Rs.20000, Direct Plan-Flexi Payout of IDCW- Rs.20000, Direct Plan-Half-yearly Reinvestment of IDCW- Rs.20000, Direct Plan-Half-yearly Payout of IDCW- Rs.20000, Direct Plan-Annual Reinvestment of IDCW- Rs.20000, Direct Plan-Annual Payout of IDCW- Rs.20000, Direct Plan-Monthly Reinvestment of IDCW- Rs.20000, Direct Plan-Monthly Payout of IDCW- Rs.20000, Direct Plan-Quarterly Reinvestment of IDCW- Rs.20000, Direct Plan-Quarterly Payout of IDCW- Rs.20000, Regular Plan-Annual Reinvestment of IDCW- Rs.20000, Regular Plan-Annual Payout of IDCW- Rs.20000, "Note - Fresh subscriptions in Income Distribution Cum Capital Withdrawal (IDCW) option through all modes such as Lump Sum mode (including Switches) and fresh registration of Systematic Investment Plan (SIP) and/or Systematic Transfer Plan (STP) registration, special products/features in the scheme is discontinued w.e.f. September 04, 2026:" · additional Regular Plan-Monthly Reinvestment of IDCW-Rs.500, Regular Plan-Monthly Payout of IDCW-Rs.500, Regular Plan-Half-yearly Reinvestment of IDCW-Rs.500, Regular Plan-Half-yearly Payout of IDCW-Rs.500, Regular Plan-Growth-Rs.500, Direct Plan-Growth-Rs.500, Regular Plan-Flexi Reinvestment of IDCW-Rs.500, Regular Plan-Flexi Payout of IDCW-Rs.500, Regular Plan-Quarterly Reinvestment of IDCW-Rs.500, Regular Plan-Quarterly Payout of IDCW-Rs.500, Direct Plan-Flexi Reinvestment of IDCW-Rs.500, Direct Plan-Flexi Payout of IDCW-Rs.500, Direct Plan-Half-yearly Reinvestment of IDCW-Rs.500, Direct Plan-Half-yearly Payout of IDCW-Rs.500, Direct Plan-Annual Reinvestment of IDCW-Rs.500, Direct Plan-Annual Payout of IDCW-Rs.500, Direct Plan-Monthly Reinvestment of IDCW-Rs.500, Direct Plan-Monthly Payout of IDCW-Rs.500, Direct Plan-Quarterly Reinvestment of IDCW-Rs.500, Direct Plan-Quarterly Payout of IDCW-Rs.500, Regular Plan-Annual Reinvestment of IDCW-Rs.500, Regular Plan-Annual Payout of IDCW-Rs.500, "Note - Fresh subscriptions in Income Distribution Cum Capital Withdrawal (IDCW) option through all modes such as Lump Sum mode (including Switches) and fresh registration of Systematic Investment Plan (SIP) and/or Systematic Transfer Plan (STP) registration, special products/features in the scheme is discontinued w.e.f. September 04, 2026:"
Scheme code (AMFI)	136110
ISIN	INF789FC1HC5
NAV date	6 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

Plan	NAV	1 year
Direct · Growth	₹24.1944	+5.80%
Direct · IDCW	₹18.0076	+5.80%
Direct · IDCW	₹20.8491	+5.80%
Direct · IDCW	₹13.8177	+1.98%
Direct · IDCW	₹13.8551	+2.52%
Direct · IDCW	₹16.0548	+5.80%
Regular · Growth	₹23.7090	+5.53%
Regular · IDCW	₹16.2703	+5.53%
Regular · IDCW	₹15.8995	+5.53%
Regular · IDCW	₹15.8328	+5.53%
Regular · IDCW	₹13.5468	+2.20%

Top Banking & PSU funds (regular plans)

Fund	1 year	3 years (a year)
UTI Banking & PSU Debt Fund	+5.53%	+7.20%
Franklin India Banking & PSU Debt Fund	+5.23%	+7.06%
Sundaram Banking and PSU Debt Fund (Formerly Known as Sundaram Banking and PSU Fund)	+4.40%	+7.00%
Axis Banking and PSU Debt Fund	+4.46%	+6.92%
Mirae Asset Banking and PSU Debt Fund	+4.06%	+6.89%
Kotak Banking and PSU Debt Fund	+4.41%	+6.86%
Sundaram Banking and PSU Debt Fund (Formerly Known as Sundaram Banking and PSU Fund)	+4.23%	+6.85%
Edelweiss Banking and PSU Debt Fund	+3.91%	+6.79%

All Banking & PSU funds ranked › · Compare with others ›

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Information only, not investment advice.

What is the NAV of UTI Banking & PSU Debt Fund - Regular Plan - IDCW today?

₹13.5305 as of 6 Nov 2026, from AMFI's official NAV data.

What are the returns of UTI Banking & PSU Debt Fund - Regular Plan - IDCW?

1 year: 1.65%, 3 years: 2.64% a year, 5 years: 2.67% 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.