UTI Banking & PSU Fund Regular Plan Annual Payout Inc Dist cum Cap Wdrl Option

UTI Banking & PSU Fund Regular Plan Annual Payout Inc Dist cum Cap Wdrl Option

Debt

UTI Mutual Fund

Banking & Psu

Get the latest NAV of UTI Banking & PSU Fund Regular Plan Annual Payout Inc Dist cum Cap Wdrl Option. View historical returns compared to its benchmark and category average. Know which stocks and sectors the fund is investing in. Get an estimate of returns from the SIP and lump sum returns calculator. View detailed holding analysis and peer comparison. Get INDmoney ranking of the fund.

₹13.02

NAV as on 11 Jul 2025

5.98%/per year

Since Inception

Absolute Gain%

▲▼

Fund Performance

as on (11-Jul-25)

Period
This Fund
Banking and PSU Index
1 Month
0.4%
0.22%
3 Months
2.32%
2.15%
6 Months
4.89%
4.88%
1 Year
8.84%
8.81%
3 Years
7.24%
7.38%
5 Years
6.84%
5.82%

UTI Banking & PSU Fund Regular Plan Annual Payout Inc Dist cum Cap Wdrl Option Returns Calculator

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Total Corpus

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UTI Banking & PSU Fund Regular Plan Annual Payout Inc Dist cum Cap Wdrl Option Asset Allocation

See fund asset allocation details as on (14-Jun-25)

Fund Distribution

as on (14-Jun-25)

Debt & Cash 99.7%

AAA
100%
Cash allocation has gone up from 3.3% to 3.7%
Cash allocation has gone up from 3.3% to 3.7%
Debt allocation has gone down from 96.4% to 96%
Debt allocation has gone down from 96.4% to 96%

UTI Banking & PSU Fund Regular Plan Annual Payout Inc Dist cum Cap Wdrl Option Sector Allocation

See fund sector allocation details as on (14-Jun-25)

Sector Allocation

Debt & Cash 99.7%

Government
48.5%
Corporate
46.6%
Cash Equivalent
4.9%

Top 2 Sectors in May were Corporate, Government

May'25

Corporate

53%

Government

43%

Apr'25

Corporate

53%

Government

44%

UTI Banking & PSU Fund Regular Plan Annual Payout Inc Dist cum Cap Wdrl Option Overview

Get key fund statistics, minimum investment details, AUM, expense ratio, exit load, and tax treatment.

Expense ratio0.54%
Benchmark
NIFTY Banking and PSU Debt A-II TR INR
AUM₹805 Cr
Inception Date7 November, 2016
Min Lumpsum/SIP₹20000/₹500
Exit Load0%
Lock InNo Lock-in
TurnOver
44.09%
STCGSelling mutual fund within 36 months, gains taxed at slab rates.
LTCGHolding over 3 years, gains taxed at slab rates without indexation.
Risk
Risk meter
pointer
Low to Moderate Risk

About UTI Banking & PSU Fund Regular Plan Annual Payout Inc Dist cum Cap Wdrl Option

UTI Banking & PSU Fund Regular Plan Annual Payout Inc Dist cum Cap Wdrl Option is a debt fund. This fund was started on 7 November, 2016. The fund is managed by Anurag Mittal. This fund is suitable to keep your money safe.

Key Parameters

  1. UTI Banking & PSU Fund Regular Plan Annual Payout Inc Dist cum Cap Wdrl Option has ₹805 Cr worth of assets under management (AUM) as on Jun 2025 and is more than category average.
  2. The fund has an expense ratio 0.5.

Returns

UTI Banking & PSU Fund Regular Plan Annual Payout Inc Dist cum Cap Wdrl Option has given a CAGR return of 5.98% since inception. Over the last 1, 3 and 5 years the fund has given a CAGR return of 8.84%, 7.24% and 6.84% respectively.

Holdings

UTI Banking & PSU Fund Regular Plan Annual Payout Inc Dist cum Cap Wdrl Option has allocated its funds majorly in Corporate, Government, Cash Equivalent. Its top holdings are 7.38% Govt Stock 2027, Axis Bank Limited, Export Import Bank Of India, Small Industries Development Bank Of India, Power Finance Corporation Limited

Taxation

As it is a banking & psu mutual fund the taxation is as follows:
If the fund is debt oriented i.e. asset allocation of more than 65% in debt instruments:
Invested before 1 April 2023 and held for less than 24 months, STCG will be taxed at your income slab rate.
Invested before 1 April 2023 and held for more than 24 months, LTCG will be taxed at 12.5%.
Invested after 1 April 2023, capital gains will be taxed at your income slab rate.
Dividends will always be taxed at slab rate.

Investment objective of UTI Banking & PSU Fund Regular Plan Annual Payout Inc Dist cum Cap Wdrl Option

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.

Minimum Investment and lockin period

Minimum investment for lump sum payment is INR 20000.00 and for SIP is INR 500.00. UTI Banking & PSU Fund Regular Plan Annual Payout Inc Dist cum Cap Wdrl Option has no lock in period.

Fund Manager

Anurag Mittal

Fund Manager of UTI Banking & PSU Fund Regular Plan Annual Payout Inc Dist cum Cap Wdrl Option, since 1 December 2021

Learn more about UTI Mutual Fund
Parameters
May'25
Apr'25
Mar'25
AUM
₹ 799.6 Cr
₹ 791.9 Cr
₹ 785.2 Cr
  • AUM of the fund stands at 799.6 Cr as of May'25
  • AUM increased by 7.7 Cr between May'25 and Apr'25

Frequently Asked Questions for UTI Banking & PSU Fund Regular Plan Annual Payout Inc Dist cum Cap Wdrl Option

How do I invest in UTI Banking & PSU Fund Regular Plan Annual Payout Inc Dist cum Cap Wdrl Option?

INDmoney makes it simple to invest in the UTI Banking & PSU Fund Regular Plan Annual Payout Inc Dist cum Cap Wdrl Option. To do so, follow the steps below:
  • Download the INDmoney app.
  • Search for ‘UTI Banking & PSU Fund Regular Plan Annual Payout Inc Dist cum Cap Wdrl Option’.
  • Select whether you want to invest in SIP or lump sum.
  • Enter the amount you wish to invest.
  • Set up payments via bank mandate or UPI.

What is the current NAV of UTI Banking & PSU Fund Regular Plan Annual Payout Inc Dist cum Cap Wdrl Option?

The NAV of the fund today is ₹13.02. NAV or Net Asset Value is the per unit price of a mutual fund. For example, if the NAV of a fund is ₹10, it means you can get 1000 units of that mutual fund at ₹10,000.

What is the return on the fund?

UTI Banking & PSU Fund Regular Plan Annual Payout Inc Dist cum Cap Wdrl Option fund has generated a return of 8.84% in 1 year, 7.24% in 3 years, 6.84% in 5 years.

Who is the fund manager of UTI Banking & PSU Fund Regular Plan Annual Payout Inc Dist cum Cap Wdrl Option?

The fund managers are Anurag Mittal.

What is the exit load of the fund?

The exit load is . Exit load is a fee levied for ‘exiting’ the fund earlier than a stipulated period, usually 1 year.

What is the expense ratio of the fund?

The expense ratio is 0.54%. The Expense Ratio is a fee charged for managing the fund. This includes commissions, administrative costs etc.

What is the AUM of the fund?

The AUM of the fund is ₹805 Cr. AUM stands for Assets Under Management. It refers to the total assets managed by the fund.

What are the top holdings of UTI Banking & PSU Fund Regular Plan Annual Payout Inc Dist cum Cap Wdrl Option?

The top 3 holdings of the fund are 7.38% Govt Stock 2027(11.51%), Axis Bank Limited(6.91%), Export Import Bank Of India(6.35%)