UTI Banking and Financial Services Fund Direct Growth

UTI Banking and Financial Services Fund Direct Growth

Equity

UTI Mutual Fund

Sector - Financial Services

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

₹210.61

▲4.2%1D

NAV as on 12 May 2025

12.44%/per year

Since Inception

Absolute Gain%

▲▼

76 people have invested ₹ 4.1L in UTI Banking and Financial Services Fund Direct Growth 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 (12-May-25)

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

Period
This Fund
Nifty 500
Category Avg
1 Month
6.95%
8.47%
7.66%
3 Months
12.79%
7.67%
11.25%
6 Months
8.16%
0.81%
6.19%
1 Year
20.64%
9.98%
14.61%
3 Years
23.06%
18.69%
22.15%
5 Years
26.58%
24.52%
26.46%

INDmoney Rank

Powered by IND quant engine

IND ranking is not available for this fund.

Fund Name
INDmoney Rank
AUM (in Crs.)
Expense Ratio
1Y Returns
3Y Returns
Inception Returns
UTI Banking and Financial Services Fund
9/11
1,264Cr
1.11%
20.64%
23.06%
12.44%
Tata Banking & Financial Services Fund Direct Growth
1/11
2,752Cr
0.5%
23.12%
25.48%
18.46%
Nippon India Banking & Financial Services Fund Direct Growth
2/11
6,967Cr
1.03%
20.1%
24.89%
14.77%
SBI Banking & Financial Services Fund Direct Growth
3/11
7,650Cr
0.76%
21.15%
24.3%
15.93%
See all
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Beats FD returns for both 3Y & 5Y duration
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No bad points found for this fund.

UTI Banking and Financial Services Fund Returns Calculator

Calculate SIP and lumpsum returns based on historical performance

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Total Investment

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Profit

Total Corpus

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UTI Banking and Financial Services Fund Asset Allocation

as on (31-Mar-25)

Fund Distribution

as on (31-Mar-25)

Equity 98.3%

Debt & Cash 1.7%

Large cap
72.1%
Small cap
17.4%
Mid cap
8.9%
Mid Cap allocation has gone down from 10.3% to 9.2%
Mid Cap allocation has gone down from 10.3% to 9.2%
Large Cap allocation has gone up from 68.9% to 73.8%
Large Cap allocation has gone up from 68.9% to 73.8%
Small Cap allocation has gone down from 16.3% to 14.6%
Small Cap allocation has gone down from 16.3% to 14.6%
Cash allocation has gone down from 4.5% to 2.3%
Cash allocation has gone down from 4.5% to 2.3%

UTI Banking and Financial Services Fund Sector Allocation

as on (31-Mar-25)

Sector Allocation

Equity 98.3%

Debt & Cash 1.7%

Financial Services
99.1%
Tech
0.9%

Top Sector in March was Financial Services

Mar'25

Financial Services

100%

Feb'25

Financial Services

100%

UTI Banking and Financial Services Fund Holdings Details

as on (30-Apr-25)

Equity

Holdings
Weight%
1M Change
ICICI Bank Ltd
20.92%
10.6%
HDFC Bank Ltd
15.32%
0%
Axis Bank Ltd
6.28%
0%
Bajaj Finance Ltd
5.76%
45.4%
Shriram Finance Ltd
4.76%
0%
See all
Top Stocks bought last month
ICICI Bank Ltd's allocation increased from 18.22% to 20.62%
ICICI Bank Ltd's allocation increased from 18.22% to 20.62%
Bajaj Finance Ltd's allocation increased from 4.41% to 6.15%
Bajaj Finance Ltd's allocation increased from 4.41% to 6.15%
Kotak Mahindra Bank Ltd's allocation increased from 2.82% to 4.01%
Kotak Mahindra Bank Ltd's allocation increased from 2.82% to 4.01%
Top Stocks sold last month
HDFC Bank Ltd's allocation decreased from 15.74 % to 15.18 %
HDFC Bank Ltd's allocation decreased from 15.74 % to 15.18 %
Axis Bank Ltd's allocation decreased from 6.15 % to 6.1 %
Axis Bank Ltd's allocation decreased from 6.15 % to 6.1 %
India Shelter Finance Corporation Ltd's allocation decreased from 4.69 % to 4.59 %
India Shelter Finance Corporation Ltd's allocation decreased from 4.69 % to 4.59 %

UTI Banking and Financial Services Fund Direct Growth Overview

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

Expense ratio1.11%
Benchmark
Nifty Financial Services TR INR
AUM₹1264 Cr
Inception Date1 January, 2013
Min Lumpsum/SIP₹5000/₹500
Exit Load
1.0%
Lock InNo Lock-in
TurnOver
59.42%
STCGSelling mutual fund before 1 year, returns taxed at 20%.
LTCGAfter 1 year, 12.5% tax on returns over ₹1.25 lakh/year.
Risk
Risk meter
pointer
Very High Risk

About UTI Banking and Financial Services Fund

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

Key Parameters

  1. UTI Banking and Financial Services Fund Direct Growth has ₹1264 Cr worth of assets under management (AUM) as on Mar 2025 and is less than category average.
  2. The fund has an expense ratio 1.1.

Returns

UTI Banking and Financial Services Fund Direct Growth has given a CAGR return of 12.44% since inception. Over the last 1, 3 and 5 years the fund has given a CAGR return of 20.64%, 23.06% and 26.58% respectively.

Holdings

UTI Banking and Financial Services Fund Direct Growth has allocated its funds majorly in Cash Equivalent, Financial Services, Tech. Its top holdings are ICICI Bank Ltd, HDFC Bank Ltd, Axis Bank Ltd, Bajaj Finance Ltd, Shriram Finance Ltd

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 Direct Growth

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 Direct Growth has no lock in period.

Learn more about UTI Mutual Fund
Parameters
Mar'25
Feb'25
Jan'25
AUM
₹ 1.2K Cr
₹ 1.1K Cr
₹ 1.1K Cr
  • AUM of the fund stands at 1.2K Cr as of Mar'25
  • AUM increased by 104.3 Cr between Mar'25 and Feb'25

Most Popular Comparisons

UTI Banking and Financial Services Fund

VS

ICICI Prudential Banking and Financial Services Fund Direct Growth

Frequently Asked Questions for UTI Banking and Financial Services Fund Direct Growth

What is the current NAV of UTI Banking and Financial Services Fund Direct Growth?

The current NAV of UTI Banking and Financial Services Fund Direct Growth is ₹210.61 as on 12-May-2025.

What are the average returns of UTI Banking and Financial Services Fund Direct Growth?

Existing (Absolute + CAGR) as on 12-May-2025.
UTI Banking and Financial Services Fund Direct Growth
Absolute Returns
CAGR Returns
1 Month Returns
6.95%
6.95%
6 Month Returns
8.16%
8.16%
1 Year Returns
20.64%
20.64%
3 Years Returns
86.35%
23.06%

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

With INDmoney, the process of investing is very simple and involves zero commission.
  • Click Buy on the fund name.
  • Input the amount you are looking to invest.
  • Select Lump Sum or SIP (Weekly, Monthly or Quarterly).
  • Select your bank account and proceed with Payment.

What is the expense ratio of UTI Banking and Financial Services Fund Direct Growth?

1.11% as on April 2025

What is net assets under management (AUM) of UTI Banking and Financial Services Fund Direct Growth?

₹1264 Cr as on April 2025

What are the top 5 holdings of UTI Banking and Financial Services Fund Direct Growth?

ICICI Bank Ltd(20.92%), HDFC Bank Ltd(15.32%), Axis Bank Ltd(6.28%), Bajaj Finance Ltd(5.76%), Shriram Finance Ltd(4.76%) as on April 2025

What is the alpha of UTI Banking and Financial Services Fund Direct Growth?

The alpha ratio for the UTI Banking and Financial Services Fund Direct Growth for various period is as follows:
Fund Name
Alpha 1 Year
Alpha 3 Years
Alpha 5 Years
UTI Banking and Financial Services Fund Direct Growth
-5.89
2.44
2.55
As on April 2025
The alpha for UTI Banking and Financial Services Fund Direct Growth is calculated against Nifty Financial Services TR INR. Higher alpha indicates that this fund has generated extra returns compared to the benchmark index. An alpha of 1.0 means the fund has outperformed its benchmark index by 1%.

What is the beta of UTI Banking and Financial Services Fund Direct Growth??

The Beta ratio for the UTI Banking and Financial Services Fund Direct Growth for various period is as follows:
Fund Name
Beta 1 Year
Beta 3 Years
Beta 5 Years
UTI Banking and Financial Services Fund Direct Growth
1.08
0.95
0.99
As on April 2025
The Beta for UTI Banking and Financial Services Fund Direct Growth is calculated with Nifty Financial Services TR INR. Beta tells the volatility of the mutual fund relative to its benchmark. If the beta of a mutual fund is more than 1, then the mutual fund is more volatile than its benchmark. If beta is less than 1, then the mutual fund is less volatile than the benchmark.

What is the sharpe ratio of UTI Banking and Financial Services Fund Direct Growth?

The sharpe ratio for the UTI Banking and Financial Services Fund Direct Growth for various period is as follows:
Fund Name
Sharpe Ratio 1 Year
Sharpe Ratio 3 Years
Sharpe Ratio 5 Years
UTI Banking and Financial Services Fund Direct Growth
0.57
0.84
0.9
As on April 2025
The sharpe ratio for UTI Banking and Financial Services Fund Direct Growth is calculated with Nifty Financial Services TR INR. Sharpe ratio tells risk-adjusted-returns of the mutual fund. The higher a fund's Sharpe ratio, the better a fund's returns have been relative to the risk it has taken on.

What is the standard deviation of UTI Banking and Financial Services Fund Direct Growth?

The standard deviation for the UTI Banking and Financial Services Fund Direct Growth for various period is as follows:
Fund Name
Standard Deviation 1 Year
Standard Deviation 3 Years
Standard Deviation 5 Years
UTI Banking and Financial Services Fund Direct Growth
14.28
14.9
19.86
As on April 2025
Standard deviation tells the volatility of the returns of the mutual fund. The higher a fund's Standard deviation, the higher the volatility of the fund's returns.

What is the Sortino ratio of UTI Banking and Financial Services Fund Direct Growth?

Sortino ratio is 1.77 as on April 2025. Sortino ratio tells the downside risk-adjusted-returns of the mutual fund.

What is the information ratio of UTI Banking and Financial Services Fund Direct Growth?

Information ratio is 0.41 as on April 2025. It tells the consistency of the fund in generating superior risk-adjusted performance

What is the exit load of UTI Banking and Financial Services Fund Direct Growth?

The Exit load of UTI Banking and Financial Services Fund Direct Growth is 1%