UTI Banking and Financial Services Fund

UTI Banking and Financial Services Fund

Equity

UTI Mutual Fund

Sector - Financial Services

Get the latest NAV of UTI Banking and Financial Services Fund. 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.

₹209.05

▲2.4%1D

NAV as on 25 Mar 2026

11.52%/per year

Since Inception

Absolute Gain%

▲▼

116 people have invested ₹ 27.7L in UTI Banking and Financial Services Fund in the last three months

UTI Banking and Financial Services Fund Performance vs. Nifty 500

Fund returns vs Benchmark returns vs Category Average returns as on (25-Mar-26)

The fund has consistently outperformed the benchmark (Nifty 500) over the last 1Y, 3Y, 5Y time periods.

Period
1M
3M
6M
1Y
3Y
5Y
This Fund
-11.35%
-7.56%
-2.36%
4.85%
16.81%
13.56%
Nifty 500
-8.77%
-10.05%
-5.82%
0.54%
14.42%
11.98%
Sector - Financial Services Avg
-11.2%
-7.7%
-0.68%
8.7%
15.89%
13.39%
Best in Sector - Financial Services
-6.11%
-5.96%
0.27%
20.93%
21.99%
16.85%
Worst in Sector - Financial Services
-12.02%
-11.93%
-6.8%
-1%
8.94%
11.37%
Category Rank
8/11
9/11
9/11
9/11
8/8
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UTI Banking and Financial Services Fund Ranking and Peer Comparison

Ranked based on performance, risk management and cost efficiency

9
/12
59% Performance
39% Risk Management
21% Cost

Ranked 9 out of 12 mutual funds in the sector - financial services category as per INDmoney.

Fund Name
INDmoney Rank
AUM (in Crs.)
Expense Ratio
1Y Returns
3Y Returns
3Y Alpha
3Y Beta
3Y Sharpe
3Y Sortino
3Y Info Ratio
UTI Banking and Financial Services Fund
9/12
1,425Cr
1.06%
4.85%
16.81%
3.63
0.90
1.08
2.25
0.56
SBI Banking & Financial Services Fund
1/12
10,725Cr
0.72%
8.36%
21.27%
7.88
0.83
1.49
3.27
1.31
Mirae Asset Banking and Financial Services Fund
2/12
2,272Cr
0.57%
8.8%
18.68%
4.48
0.97
1.14
2.48
0.88
Invesco India Financial Services Fund
3/12
1,650Cr
0.79%
10.06%
21.99%
8.25
0.82
1.39
2.73
1.03
See all
Positive: Beats FD returns for both 3Y & 5Y
Beats FD returns for both 3Y & 5Y
Negative: No bad points found for this fund.
No bad points found for this fund.

UTI Banking and Financial Services Fund Returns Calculator

Calculate SIP and lumpsum returns based on historical performance

  • 1-time

  • SIP

Total Investment

0

Profit

Total Corpus

0

Absolute Return
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UTI Banking and Financial Services Fund Asset Allocation

See fund asset allocation details as on (14-Mar-26)

Fund Distribution

as on (14-Mar-26)

Large cap
73.7%
Mid cap
13.2%
Small cap
9.8%
Mid Cap allocation has gone down from 13.5% to 13.2%
Mid Cap allocation has gone down from 13.5% to 13.2%
Large Cap allocation has gone up from 72.4% to 73.7%
Large Cap allocation has gone up from 72.4% to 73.7%
Small Cap allocation has gone down from 11.4% to 9.8%
Small Cap allocation has gone down from 11.4% to 9.8%
Cash allocation has gone up from 2.6% to 3.3%
Cash allocation has gone up from 2.6% to 3.3%

UTI Banking and Financial Services Fund Sector Allocation

See fund sector allocation details as on (14-Mar-26)

Sector Allocation

Financial Services
99.5%
Tech
0.5%

Top 2 Sectors in February were Financial Services, Tech

Feb'26

Financial Services

99%

Tech

Jan'26

Financial Services

99%

Tech

UTI Banking and Financial Services Fund Holdings Details

as on (28-Feb-26)

Holdings
Weight%
1M Change
HDFC Bank Ltd
14.01%
0%
ICICI Bank Ltd
13.79%
0%
Axis Bank Ltd
10.78%
11%
Kotak Mahindra Bank Ltd
9.47%
0%
State Bank of India
7.17%
0%
See all
Top Stocks bought last month
Axis Bank Ltd's allocation increased from 9.79% to 10.78%
Axis Bank Ltd's allocation increased from 9.79% to 10.78%
Kotak Mahindra Bank Ltd's allocation increased from 8.76% to 9.47%
Kotak Mahindra Bank Ltd's allocation increased from 8.76% to 9.47%
State Bank of India's allocation increased from 6.54% to 7.17%
State Bank of India's allocation increased from 6.54% to 7.17%
Top Stocks sold last month
HDFC Bank Ltd's allocation decreased from 14.94 % to 14.01 %
HDFC Bank Ltd's allocation decreased from 14.94 % to 14.01 %
ICICI Bank Ltd's allocation decreased from 13.79 % to 13.79 %
ICICI Bank Ltd's allocation decreased from 13.79 % to 13.79 %
Bajaj Finance Ltd's allocation decreased from 5.97 % to 5.66 %
Bajaj Finance Ltd's allocation decreased from 5.97 % to 5.66 %

UTI Banking and Financial Services Fund Overview

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

Expense ratio1.06%
Benchmark
Nifty Financial Services TR INR
AUM₹1425 Cr
Inception Date1 January, 2013
Min Lumpsum/SIP₹5,000/₹500
Exit Load
1.0%
Lock InNo Lock-in
TurnOver
57.15%
Risk
Risk meter
pointer
Very High Risk

About UTI Banking and Financial Services Fund

UTI Banking and Financial Services Fund is an equity fund. This fund was started on 1 January, 2013. The fund is managed by Bhavesh Kanani, Amit Premchandani. The fund could potentially beat inflation in the long-run.

Key Parameters

  1. UTI Banking and Financial Services Fund has ₹1425 Cr worth of assets under management (AUM) as on Mar 2026 and is more than category average.
  2. The fund has an expense ratio 1.1.

Returns

UTI Banking and Financial Services Fund has given a CAGR return of 11.52% since inception. Over the last 1, 3 and 5 years the fund has given a CAGR return of 4.85%, 16.81% and 13.56% respectively.

Holdings

UTI Banking and Financial Services Fund has allocated its funds majorly in Cash Equivalent, Financial Services, Tech. Its top holdings are HDFC Bank Ltd, ICICI Bank Ltd, Axis Bank Ltd, Kotak Mahindra Bank Ltd, State Bank of India

Taxation

As it is a sector - financial services mutual fund the taxation is as follows:
For short term (less than a year) capital gains will be taxed at 20%
For long term (more than 1 year) capital gains will be taxed at 12.5% without indexation benefit
Dividends will always be taxed at slab rate. Long term gains upto Rs 1 lakh are exempt capital gains tax.

Investment objective of UTI Banking and Financial Services Fund

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.

Minimum Investment and lockin period

Minimum investment for lump sum payment is INR 5000.00 and for SIP is INR 500.00. UTI Banking and Financial Services Fund has no lock in period.

Fund Manager

Bhavesh Kanani

Fund Manager of UTI Banking and Financial Services Fund, since 12 January 2026

Amit Premchandani

Fund Manager of UTI Banking and Financial Services Fund, since 16 June 2025

Learn more about UTI Mutual Fund
Parameters
Feb'26
Jan'26
Dec'25
AUM
₹ 1.4K Cr
₹ 1.4K Cr
₹ 1.4K Cr
  • AUM of the fund stands at 1.4K Cr as of Feb'26
  • AUM increased by 25.4 Cr between Feb'26 and Jan'26

Compare UTI Banking and Financial Services Fund

UTI Banking and Financial Services Fund

VS

ICICI Prudential Banking and Financial Services Fund

Frequently Asked Questions for UTI Banking and Financial Services Fund

How do I invest in UTI Banking and Financial Services Fund?

INDmoney makes it simple to invest in the UTI Banking and Financial Services Fund. To do so, follow the steps below:
  • Download the INDmoney app.
  • Search for ‘UTI Banking and Financial Services Fund’.
  • 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 and Financial Services Fund?

The NAV of the fund today is ₹209.05. 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 and Financial Services Fund fund has generated a return of 4.85% in 1 year, 16.81% in 3 years, 13.56% in 5 years.

Who is the fund manager of UTI Banking and Financial Services Fund?

The fund managers are Bhavesh Kanani, Amit Premchandani.

What is the exit load of the fund?

The exit load is 1% if redeemed in 0-30 Days. 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 1.06%. 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 ₹1425 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 and Financial Services Fund?

The top 3 holdings of the fund are HDFC Bank Ltd(14.01%), ICICI Bank Ltd(13.79%), Axis Bank Ltd(10.78%)