UTI Banking & PSU Debt Fund Direct Growth

Fund Overview

Fund Size

₹839 Cr

Expense Ratio

0.23%

ISIN

INF789F015Z6

Minimum SIP

₹500

Exit Load

No Charges

Inception Date

03 Feb 2014

About this fund

UTI Banking & PSU Debt Fund Direct Growth is a Banking & PSU mutual fund schemes offered by UTI Mutual Fund. This fund has been in existence for 10 years, 5 months and 23 days, having been launched on 03-Feb-14.
As of 25-Jul-24, it has a Net Asset Value (NAV) of ₹20.65, Assets Under Management (AUM) of 839.11 Crores, and an expense ratio of 0.23%.

UTI Banking & PSU Debt Fund Direct Growth has given a CAGR return of 7.17% since inception.
The fund's asset allocation comprises around 0.00% in equities, 95.82% in debts, and 3.89% in cash & cash equivalents.
You can start investing in UTI Banking & PSU Debt Fund Direct Growth with a SIP of ₹500 or a Lumpsum investment of ₹500.

Performance against Category Average

In this section, we compare the returns of the scheme with the category average over various periods. Periods for which the fund has outperformed its category average are marked in green, otherwise red.

1 Year

+7.31%

+6.00% (Cat Avg.)

3 Years

+7.86%

+4.98% (Cat Avg.)

5 Years

+7.13%

+5.84% (Cat Avg.)

10 Years

+7.03%

+6.22% (Cat Avg.)

Since Inception

+7.17%

— (Cat Avg.)

Portfolio Summaryas of 15th July 2024

Debt	₹804.04 Cr	95.82%
Others	₹35.07 Cr	4.18%

Top Holdings

All Holdings

Equity

Debt & Others

Name	Type	Amount	Holdings
7.38% Govt Stock 2027	Bond - Gov't/Treasury	₹101.2 Cr	12.05%
Axis Bank Limited	Bond - Corporate Bond	₹54.9 Cr	6.54%
ICICI Bank Limited	Bond - Corporate Bond	₹52.77 Cr	6.28%
Small Industries Development Bank Of India	Bond - Corporate Bond	₹50.15 Cr	5.97%
Export-Import Bank of India	Bond - Gov't Agency Debt	₹49.95 Cr	5.95%
Power Finance Corporation Limited	Bond - Corporate Bond	₹40.15 Cr	4.78%
Rural Electrification Corporation Limited	Bond - Corporate Bond	₹35.18 Cr	4.19%
HDFC Bank Limited	Bond - Corporate Bond	₹34.94 Cr	4.16%
Net Current Assets	Cash	₹32.46 Cr	3.86%
Indian Railway Finance Corporation Limited	Bond - Corporate Bond	₹30.22 Cr	3.60%
National Bank For Agriculture And Rural Development	Bond - Corporate Bond	₹29.95 Cr	3.57%
National Bank For Agriculture And Rural Development	Bond - Corporate Bond	₹25.55 Cr	3.04%
Export Import Bank Of India	Bond - Corporate Bond	₹25.02 Cr	2.98%
Indian Railway Finance Corporation Limited	Bond - Corporate Bond	₹25.01 Cr	2.98%
Power Finance Corporation Ltd.	Bond - Corporate Bond	₹24.99 Cr	2.97%
Indian Railway Finance Corporation Limited	Bond - Corporate Bond	₹24.96 Cr	2.97%
Indian Oil Corporation Limited	Bond - Corporate Bond	₹24.37 Cr	2.90%
7.37% Govt Stock 2028	Bond - Gov't/Treasury	₹20.31 Cr	2.42%
7.06% Govt Stock 2028	Bond - Gov't/Treasury	₹15.06 Cr	1.79%
National Bank For Agriculture And Rural Development	Bond - Corporate Bond	₹15.04 Cr	1.79%
Rural Electrification Corporation Limited	Bond - Corporate Bond	₹14.97 Cr	1.78%
National Housing Bank	Bond - Corporate Bond	₹14.95 Cr	1.78%
ICICI Bank Limited	Bond - Corporate Bond	₹14.91 Cr	1.78%
Nhpc Limited	Bond - Corporate Bond	₹14.84 Cr	1.77%
7.17% Govt Stock 2028	Bond - Gov't/Treasury	₹10.07 Cr	1.20%
Power Finance Corporation Ltd.	Bond - Corporate Bond	₹10.05 Cr	1.20%
Rural Electrification Corporation Limited	Bond - Corporate Bond	₹10.02 Cr	1.19%
Nhpc Limited	Bond - Corporate Bond	₹9.97 Cr	1.19%
India (Republic of)	Bond - Gov't/Treasury	₹5.53 Cr	0.66%
07.85 Tn SDL 2027	Bond - Gov't/Treasury	₹5.08 Cr	0.60%
Small Industries Development Bank Of India	Bond - Corporate Bond	₹4.97 Cr	0.59%
Power Finance Corporation Ltd.	Bond - Corporate Bond	₹4.97 Cr	0.59%
ICICI Bank Limited	Bond - Corporate Bond	₹4.82 Cr	0.57%
CORPORATE DEBT MARKET DEVT FUND - A2 UNITS	Mutual Fund - Open End	₹2.42 Cr	0.29%
Clearing Corporation Of India Ltd. Std - Margin	Cash	₹0.23 Cr	0.03%

Allocation By Credit Quality (Debt)

AAA

Other Allocation

Equity Sector

Debt & Others

Instruments	Amount	Holdings
Bond - Corporate Bond	₹597.7 Cr	71.15%
Bond - Gov't/Treasury	₹157.25 Cr	18.72%
Bond - Gov't Agency Debt	₹49.95 Cr	5.95%
Cash	₹32.69 Cr	3.89%
Mutual Fund - Open End	₹2.42 Cr	0.29%

Risk & Performance Ratios

Fund Managers

Anurag Mittal

Since December 2021

Additional Scheme Detailsas of 15th July 2024

ISIN

INF789F015Z6

Expense Ratio

0.23%

Exit Load

No Charges

Fund Size

₹839 Cr

Age

03 Feb 2014

Lumpsum Minimum

₹500

Fund Status

Open Ended Investment Company

Benchmark

NIFTY Banking and PSU Debt A-II TR INR

Investment Objective

To seek to generate long-term capital growth from an actively managed portfolio primarily of Equity and Equity Related Securities. Scheme shall invest in Indian equities,foreign equities and related instruments and debt securities.

Tax Treatment

Withdrawal (irrespective of holding period)

Realised Gain (capital gains) are taxed at your marginal income tax rate

Note: Mutual funds are subject to capital gains taxation with surcharge and cess, based on prevailing income tax rules and investor income. Taxation applies to realised gains, not notional gains. Please consult your tax advisors to determine the implications or consequences of your investments in such securities.

Similar Banking & PSU Funds

Fund name	Expense Ratio	Exit Load	Fund size	1Y
Bandhan Banking & PSU Debt Fund Direct Growth Moderate Risk	0.3%	0.0%	₹14109.10 Cr	7.2%
Bandhan Banking & PSU Debt Fund Regular Growth Moderate Risk	0.6%	0.0%	₹14109.10 Cr	6.9%
Franklin India Banking & PSU Debt Fund Regular Growth Moderate Risk	0.5%	0.0%	₹620.60 Cr	7.0%
Franklin India Banking & PSU Debt Fund Direct Growth Moderate Risk	0.2%	0.0%	₹620.60 Cr	7.4%
PGIM India Banking and PSU Debt fund Direct Growth Moderate Risk	0.2%	0.0%	₹45.38 Cr	6.8%
PGIM India Banking and PSU Debt fund Regular Growth Moderate Risk	0.4%	0.0%	₹45.38 Cr	6.6%
Canara Robeco Banking and PSU Debt Fund Regular Growth Moderate Risk	0.7%	0.0%	₹346.42 Cr	6.8%
Canara Robeco Banking and PSU Debt Fund Direct Growth Moderate Risk	0.3%	0.0%	₹346.42 Cr	7.1%
Tata Banking & PSU Debt Fund Direct Growth Low to Moderate Risk	0.3%	0.0%	₹207.53 Cr	7.0%
Tata Banking & PSU Debt Fund Regular Growth Low to Moderate Risk	0.7%	0.0%	₹207.53 Cr	6.5%

About the AMC

UTI Mutual Fund

+91-22-6678 6666

https://www.utimf.com/

Total AUM

₹2,92,994 Cr

Address

UTI Towers, Gn Block, Mumbai, 400 051

Other Funds by UTI Mutual Fund

Fund name	Expense Ratio	Exit Load	Fund size	1Y
UTI Innovation Fund Direct Growth Very High Risk	0.9%	1.0%	₹699.04 Cr	-
UTI Fixed Income Interval Fund Annual Plan I Direct Growth Low Risk	-	0.0%	₹20.40 Cr	6.9%
UTI Fixed Term Income Fund - Series XXXV-I (1260 Days) Direct Growth Low to Moderate Risk	-	0.0%	-	7.6%
UTI Fixed Term Income Fund - Series XXXV-III (1176 Days) Direct Growth Low to Moderate Risk	-	0.0%	-	7.6%
UTI FIIF Ser 2 Qt Interval V Direct Growth Low Risk	-	1.0%	₹4.80 Cr	6.8%
UTI Fixed Income Interval Fund Quarterly I Direct Growth Low Risk	-	0.0%	₹10.46 Cr	7.1%
UTI Fixed Inc Intvl Series2 Qt Intvl VI Direct Growth Moderate Risk	-	1.0%	₹11.46 Cr	7.2%
UTI-Fixed Term Income Fund - Series XXX-VI (1107 days) Direct Growth Low to Moderate Risk	-	0.0%	-	10.0%
UTI-Fixed Term Income Fund - Series XXX - VII (1294 days) Direct Growth Low to Moderate Risk	-	0.0%	-	-
UTI Fixed Term Income Fund - Series XXXV-II (1223 Days) Direct Growth Moderate Risk	-	-	-	7.6%
UTI Fixed Income Interval Fund Annual Plan III Direct Growth Low to Moderate Risk	-	0.0%	₹13.38 Cr	6.9%
UTI Fixed Term Income Fund - Series XXXVI-I (1574 days) Direct Growth Low to Moderate Risk	-	0.0%	-	8.0%
UTI Floater Fund Direct Growth Low to Moderate Risk	0.3%	0.0%	₹1378.45 Cr	7.3%
UTI Nifty 500 Value 50 Index Fund Direct Growth Very High Risk	0.6%	0.0%	₹308.39 Cr	84.2%
UTI Banking & PSU Debt Fund Direct Growth Moderate Risk	0.2%	0.0%	₹839.11 Cr	7.3%
UTI Focused Equity Fund Direct Growth Very High Risk	0.6%	1.0%	₹2738.29 Cr	36.5%
UTI Silver ETF Fund of Fund Direct Growth Very High Risk	0.1%	1.0%	₹27.90 Cr	12.2%
UTI Nifty200 Momentum 30 Index Fund Direct Growth Very High Risk	0.5%	0.0%	₹6971.45 Cr	63.9%
UTI Overnight Fund Direct Growth Low Risk	0.1%	0.0%	₹3948.39 Cr	6.8%
UTI Corporate Bond Fund Direct Growth Moderate Risk	0.3%	0.0%	₹3796.48 Cr	7.5%
UTI Nifty Midcap 150 Quality 50 Index Fund Direct Growth Very High Risk	0.5%	0.0%	₹229.47 Cr	39.3%
UTI Arbitrage Fund Direct Growth Low Risk	0.4%	0.0%	₹5521.20 Cr	8.5%
UTI Small Cap Fund Direct Growth Very High Risk	0.4%	1.0%	₹4221.01 Cr	43.4%
UTI Ultra Short Term Fund Direct Growth Moderate Risk	0.4%	0.0%	₹2239.53 Cr	7.6%
UTI Credit Risk Fund Direct Growth Moderately High risk	0.9%	1.0%	₹386.27 Cr	7.5%
UTI Dividend Yield Fund Direct Growth Very High Risk	1.4%	1.0%	₹4071.32 Cr	50.9%
UTI Banking and Financial Services Fund Direct Growth Very High Risk	1.1%	1.0%	₹1140.83 Cr	20.6%
UTI Dynamic Bond Fund Direct Growth Moderate Risk	0.7%	0.0%	₹479.82 Cr	8.2%
UTI Hybrid Equity Fund Direct Growth Very High Risk	1.3%	1.0%	₹5851.61 Cr	33.8%
UTI Long Term Equity Fund Direct Growth Very High Risk	0.8%	0.0%	₹3918.51 Cr	34.5%
UTI Flexi Cap Fund Direct Growth Very High Risk	0.9%	1.0%	₹25696.23 Cr	23.2%
UTI Bond Fund Direct Growth Moderate Risk	1.2%	0.0%	₹301.30 Cr	7.2%
UTI Liquid Fund Cash Plan Direct Growth Moderate Risk	0.2%	0.0%	₹24127.08 Cr	7.4%
UTI Gilt Fund Direct Growth Moderate Risk	0.7%	0.0%	₹643.00 Cr	8.2%
UTI India Consumer Fund Direct Growth Very High Risk	1.5%	1.0%	₹660.51 Cr	38.6%
UTI Infrastructure Fund Direct Growth Very High Risk	1.8%	1.0%	₹2409.84 Cr	55.9%
UTI MNC Fund Direct Growth Very High Risk	1.1%	1.0%	₹3100.83 Cr	36.6%
UTI Master Share Unit Scheme Direct Growth Very High Risk	0.8%	1.0%	₹13182.87 Cr	29.1%
UTI Regular Savings Fund Direct Growth Moderately High risk	1.2%	1.0%	₹1617.22 Cr	15.6%
UTI Money Market Fund Direct Growth Moderate Risk	0.2%	0.0%	₹16266.52 Cr	7.6%
UTI Mid Cap Fund Direct Growth Very High Risk	0.8%	1.0%	₹11692.15 Cr	42.3%
UTI Value Opportunities Fund Direct Growth Very High Risk	1.1%	1.0%	₹9902.89 Cr	44.6%
UTI Healthcare Fund Direct Growth Very High Risk	1.3%	1.0%	₹985.80 Cr	48.3%
UTI Nifty 50 Index Fund Direct Growth Very High Risk	0.2%	0.0%	₹18345.17 Cr	25.2%
UTI Transportation & Logistics Fund Direct Growth Very High Risk	0.8%	1.0%	₹3698.11 Cr	54.9%
UTI Short Term Income Fund Direct Growth Moderate Risk	0.4%	0.0%	₹2566.21 Cr	7.8%
UTI - Treasury Advantage Fund Direct Growth Moderate Risk	0.3%	0.0%	₹2428.81 Cr	7.3%
UTI Multi Asset Fund Direct Growth High Risk	1.1%	1.0%	₹2418.31 Cr	38.3%
UTI Core Equity Fund Direct Growth Very High Risk	1.2%	1.0%	₹3440.75 Cr	50.2%
UTI Medium Term Fund Direct Growth Moderate Risk	0.9%	1.0%	₹39.86 Cr	7.3%

Risk Level

Your principal amount will be at Moderate Risk

Still got questions?
We're here to help.

What is the current NAV of UTI Banking & PSU Debt Fund Direct Growth?

The NAV of UTI Banking & PSU Debt Fund Direct Growth, as of 25-Jul-2024, is ₹20.65.

What are the returns of UTI Banking & PSU Debt Fund Direct Growth?

The fund has generated 7.31% over the last 1 year and 7.86% over the last 3 years. However, this does not guarantee that the fund will perform similarly in the future.

What is the portfolio composition of UTI Banking & PSU Debt Fund Direct Growth?

The fund's allocation of assets is distributed as 0.00% in equities, 95.82% in bonds, and 3.89% in cash and cash equivalents.

Who manages the UTI Banking & PSU Debt Fund Direct Growth?

The fund managers responsible for UTI Banking & PSU Debt Fund Direct Growth are:-

Anurag Mittal

Disclaimer: Mutual Fund investments are subject to market risks, read all scheme-related documents carefully. The NAVs of the schemes may go up or down depending upon the factors and forces affecting the securities market including the fluctuations in the interest rates. The past performance of the mutual funds is not necessarily indicative of the future performance of the schemes. Investors are requested to review the prospectus carefully and obtain expert professional advice with regard to specific legal, tax and financial implications of the investment/participation in the scheme.

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