UTI Banking and Financial Services Fund - Regular Plan - Growth Option
💡 Why Pick This Fund? Quantitative Strengths & Watch-outs
- Delivered positive returns in 91% of 3-year investment horizons.
- Generated +2.0% annualized alpha (excess return) over its benchmark.
- Over 23 years of operational history across different market cycles.
- Experienced a maximum drawdown of -63.3% during severe market crashes.
Key Statistics vs Category Median
Trailing Returns Comparison
| Period | Fund Return | Category Median | Difference |
|---|---|---|---|
| 1 Month | +8.79% | +6.32% | +2.47% |
| 3 Months | +3.58% | -0.20% | +3.78% |
| 6 Months | +8.82% | +5.98% | +2.84% |
| 1 Year | +4.68% | +3.90% | +0.78% |
| 3 Years CAGR | +13.96% | +13.23% | +0.73% |
| 5 Years CAGR | +10.79% | +10.72% | +0.07% |
| 7 Years CAGR | +10.80% | +15.35% | -4.55% |
| 10 Years CAGR | +10.62% | +14.26% | -3.64% |
| Since Inception | +13.10% | - | - |
📈 Monthly SIP vs Bank Fixed Deposit (FD) Replay
See how a regular monthly SIP in UTI Banking and Financial Services Fund compares against a standard 7.0% p.a. Bank Fixed Deposit.
Calendar Year Returns
| Year | Fund | Category Median | Gap |
|---|---|---|---|
| 2026 | +3.28% | +4.03% | -0.75% |
| 2025 | +16.32% | +1.43% | +14.89% |
| 2024 | +11.09% | +20.41% | -9.32% |
| 2023 | +19.54% | +30.70% | -11.16% |
| 2022 | +15.08% | +1.66% | +13.42% |
| 2021 | +14.27% | +30.31% | -16.04% |
| 2020 | -5.33% | +13.54% | -18.87% |
| 2019 | +11.57% | +7.11% | +4.46% |
| 2018 | -6.81% | -5.94% | -0.87% |
| 2017 | +43.52% | +39.22% | +4.30% |
| 2016 | +12.97% | +4.10% | +8.87% |
| 2015 | -11.34% | +1.85% | -13.19% |
| 2014 | +64.03% | +52.06% | +11.97% |
| 2013 | -13.51% | -4.06% | -9.45% |
| 2012 | +58.69% | +26.60% | +32.09% |
| 2011 | -32.58% | -23.05% | -9.53% |
| 2010 | +36.48% | +18.91% | +17.57% |
| 2009 | +77.75% | +77.75% | 0.00% |
| 2008 | -45.81% | -57.13% | +11.32% |
| 2007 | +66.49% | +66.75% | -0.26% |
Daily Rolling Returns Summary
| Rolling Window | Minimum | Average | Median | Maximum | % Positive | % Beating Proxy |
|---|---|---|---|---|---|---|
| 1-Year Rolling | -52.92% | +16.97% | +13.35% | +151.82% | 73.3% | 50.7% |
| 3-Year Rolling | -14.33% | +13.29% | +14.01% | +42.91% | 91.2% | 42.8% |
| 5-Year Rolling | -4.27% | +12.25% | +11.85% | +28.74% | 98.8% | 36.3% |
Risk Profile & Deepest Drawdowns
Deepest Market Corrections (Depth >= 10%)
| Peak Date | Trough Date | Fall Depth | Months to Bottom | Recovery Period |
|---|---|---|---|---|
| 2008-01-14 | 2009-03-09 | -63.3% | 14 months | 14 months |
| 2019-06-03 | 2020-03-23 | -49.4% | 10 months | 10 months |
| 2010-11-04 | 2011-12-20 | -41.4% | 14 months | 29 months |
Portfolio & Asset Allocation
Statutory Asset Allocation Mandate (SEBI / SID)
| Instrument Category | Permitted Allocation Range |
|---|---|
| Equity & equity related instruments of entities engaged in banking and financial services activities | 80% - 100% Money Market Instruments and other instruments permissible under residual portion: 0% - 20% |
Investment Objective & Strategy
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.
ℹ️ Detailed monthly stock-level holdings for this scheme are updated periodically from asset management company statutory disclosures.
Fund Size Position
Currently managing Rs 1,442 cr (AMFI Daily Fund AUM as of 2026-11-11). Positioned as comfortable relative to Sectoral / Thematic schemes.
Fund Management
Cost & Capital Gains Taxation
From April 2026 the total expense ratio includes brokerage, transaction costs and statutory levies on top of the base fee.
Equity-oriented schemes: 20% short-term capital gains tax if sold within 12 months; 12.5% long-term capital gains tax on gains exceeding ₹1.25 lakh per financial year when held for more than 12 months.
Closest Sectoral / Thematic Peers by Rank
| Scheme | Score | 3Y Return | Expense | Downside | Fund Size | Compare |
|---|---|---|---|---|---|---|
| Aditya Birla Sun Life Business Cycle Fund | 5.5 | +13.03% | 2.46% | 96.6% | Rs 1,816 cr | Compare → |
| Sundaram Services Fund | 6.2 | +13.23% | 1.95% | 92.2% | Rs 5,304 cr | Compare → |
| Tata India Consumer Fund | 5.9 | +13.29% | 2.12% | 99.1% | Rs 2,897 cr | Compare → |
| Nippon India Innovation Fund | 5.8 | +13.00% | 2.10% | 107.4% | Rs 2,996 cr | Compare → |
| HSBC Business Cycles Fund | 5.6 | +15.23% | 2.32% | 129.0% | Rs 1,210 cr | Compare → |
Frequently Asked Questions about UTI Banking and Financial Services Fund
What is the expense ratio of UTI Banking and Financial Services Fund?
UTI Banking and Financial Services Fund has a total expense ratio (TER) of 2.36% with a base expense ratio of 1.79%, compared to the Sectoral / Thematic category median of 2.52%.
Who manages UTI Banking and Financial Services Fund?
UTI Banking and Financial Services Fund is managed by Bhavesh Kanani.
What are the historical returns of UTI Banking and Financial Services Fund?
UTI Banking and Financial Services Fund delivered a 3-year CAGR of 13.96% and a 5-year CAGR of 10.79%. Its 1-year return stands at +4.68%.
How large is UTI Banking and Financial Services Fund?
UTI Banking and Financial Services Fund manages assets of Rs 1,442 cr, placing it in the 'comfortable' size band relative to Sectoral / Thematic peers.
How is UTI Banking and Financial Services Fund scored on MFIQ?
UTI Banking and Financial Services Fund holds an MFIQ Score of 4.9/10 (Weak), based on a category percentile composite across returns, risk, consistency, and cost.
How risky is UTI Banking and Financial Services Fund?
UTI Banking and Financial Services Fund has an official SEBI riskometer rating of Very High. Over the analyzed period, its annualized standard deviation is 16.36% with a maximum historical drawdown of -63.33%.