
UTI Banking & PSU Debt Fund Direct Growth
UTI Banking & PSU Debt Fund Direct Growth
as on 12 Nov 2026
UTI Banking & PSU Debt Fund Direct Growth is a Debt mutual fund scheme launched on 03 Feb 2014. The current NAV stands at ₹24.2347 as of 12 Nov 2026.
Scheme Overview
- Inception Date : 03 Feb 2014
- AUM : ₹1,440.72 Cr
- 5Y Returns (CAGR) : 7.82%
- Expense Ratio : 0.24%
- Min. SIP : ₹500
- Min. Lumpsum : ₹500
Returns Calculator
basis annualised returns
Investment Type
SIP Amount
Investment Period
5Y
₹ 32.73 L
3.50%
₹ 36.98 L
8.00%
₹ 36.80 L
7.82%
Total Investment
₹ 30,00,000
Returns
₹ 6,80,486 (7.82%)
Maturity Value
₹ 36,80,486
Disclaimer: Fixed deposits offer guaranteed returns. Mutual fund investments carry market risks; read all scheme-related documents carefully. Past performance does not guarantee future returns.
Direct vs Regular Returns
Sorry, No Data Available at this Moment!
Returns vs Category
Sorry, No Data Available at this Moment!
*The above returns are absolute
Returns Vs Nifty 50
Historical Returns
Sorry, No Data Available at this Moment!
Start SIP with as Low as ₹100.
Historical NAV
Sorry, No Data Available at this Moment!
Asset Allocation
AUM
₹ 1,440.72 Cr
Cash Holding
-
Equity
-
Cash
-
Debt
-
Other
-
Asset Allocation
AUM
₹1,440.72 Cr
Cash Holding
-
Equity
-
Cash
-
Debt
-
Other
-
Sector Holdings
as of 15 Jun 2026
| Sectors | Allocation | Weightage | Value (in Cr.) |
|---|---|---|---|
| Other | 100.00% |
Stock Holdings
as of 15 Jun 2026
| Name | Allocation | Weightage |
|---|---|---|
![]() C Canara Bank | 6.98% | |
![]() K Kotak Mahindra Bank Limited | 5.87% | |
![]() U Union Bank Of India | 5.83% | |
![]() A Axis Bank Limited | 4.46% | |
![]() G GOI LOAN 7.38% 2027 | 4.11% | |
![]() S SIDBI-7.79%-14052027-NCD | 4.06% | |
![]() A Axis Bank Ltd | 3.89% | |
![]() N National Bank For Agriculture And Rural Development | 3.88% | |
![]() P Poonawalla Fincorp Ltd | 3.87% | |
![]() H HDFC Bank Limited | 3.85% | |
![]() N NABARD-7.8%-15032027-NCD | 3.25% | |
![]() N Net Current Assets | 3.01% | |
![]() N NHB-7.59%-08092027-NCD | 2.85% | |
![]() H HDFC Bank Limited | 2.84% | |
![]() I Indian Railway Finance Corporation Limited | 2.44% | |
![]() 7 7.86% Karnataka Sdl 2027 | 2.05% | |
![]() P Power Finance Corporation Limited | 2.04% | |
![]() A ABHFL-8.2%-26022027-NCD | 2.03% | |
![]() P Power Finance Corporation Limited | 2.03% | |
![]() K Kotak Mahindra Prime Limited | 2.03% | |
![]() E Export Import Bank Of India | 2.03% | |
![]() R RECL-7.59%-31052027-NCD | 2.03% | |
![]() L LIC Housing Finance Ltd | 2.02% | |
![]() I Indian Bank | 1.94% | |
![]() S Small Industries Dev Bank Of India | 1.94% | |
![]() H HDFC Bank Ltd. | 1.93% | |
![]() 7 7.61% Tamilnadu SDL 2027 | 1.64% | |
![]() T TFSIL-8.3645%-19032027-NCD | 1.63% | |
![]() B Bajaj Housing Finance Limited | 1.62% | |
![]() K Kotak Mahindra Bank Limited | 1.55% | |
![]() P Power Finance Corporation Limited | 1.22% | |
![]() I ICICI Bank Limited | 1.22% | |
![]() N Nhpc Limited | 1.21% | |
![]() I ICICI Securities Limited | 1.16% | |
![]() C Canara Bank | 1.15% | |
![]() N National Bank for Agriculture and Rural Development | 1.15% | |
![]() S SDL GJ 6.75% 2027 | 0.81% | |
![]() I Indian Bank | 0.78% | |
![]() H HDFC Bank Limited | 0.78% | |
![]() G Gs15dec2027c | 0.52% | |
![]() C Corporate Debt Market Devt Fund - A2 Units | 0.24% | |
![]() C Clearing Corporation Of India Ltd. Std - Margin | 0.03% | |
![]() E EXIM 7.45% 2028 SR Z01 | 0.00% |
Fund Comparison
Fund Details
52W High NAV
₹ 24.2347
Min. SIP Amount
₹ 500.00
Min. Lumpsum Amount
₹ 500.00
AUM (in Cr.)
₹ 1,440.72
Expense Ratio
0.24%
Lock-in Period
No Lock in Period
52W Low NAV
₹ 22.8937
Inception Date
03 Feb 2014
Fund Age
12 Yrs
Benchmark
Nifty Banking & PSU Debt Index A-II
Scheme Type
Open Ended
Stamp Duty
0.005% (from July 1st 2020)
Exit Load
- No charges for withdrawal
Tax Implication
- Returns to be taxed as per your normal Income Tax slab.
Fund Managers
| Name | Qualification |
|---|---|
| Anurag Mittal | B.Com (Hons),ACA,MSc in Accounting and Finance From London School of Economics. |
Fund Objective
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.
Risk-O-Meter
Investors understand that their principal will be at
Moderate Risk
Risk Scale
Low
Moderately Low
Moderate
Moderately High
High
Very High
AMC Information
UTI Mutual Fund
No. of Schemes
66
Total AUM
₹ 2,48,779.83 Cr
Contact Details
UTI Towers, Gn Block,Bandra Kurla Complex,Bandra (East), Mumbai 400 051
Contact Details
UTI Towers, Gn Block,Bandra Kurla Complex,Bandra (East), Mumbai 400 051
FAQs
When was UTI Banking & PSU Debt Fund launched?
What is the current NAV of UTI Banking & PSU Debt Fund?
What is the AUM of UTI Banking & PSU Debt Fund?
What is the rate of return of UTI Banking & PSU Debt Fund?
- In the past 1Y: 5.87%
- In the past 3Y: 7.45%
- In the past 5Y: 7.82%
What is the expense ratio of UTI Banking & PSU Debt Fund?
What is exit load of UTI Banking & PSU Debt Fund?
How risky is investing in UTI Banking & PSU Debt Fund?
Who is the fund manager UTI Banking & PSU Debt Fund?
What is the minimum investment required in UTI Banking & PSU Debt Fund?
How to invest in UTI Banking & PSU Debt Fund directly?
- Open Demat Account on Dhan if you don't have one.
- Analyze the fund performance.
- Invest via SIP or Lumpsum.

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