Returns
Growth option. Annualised, to 09 Oct 2026.
| 1 year | 3 years | 5 years | |
|---|---|---|---|
| Direct plan | 6.0% | 7.6% | 7.8% |
| Regular plan | 5.7% | 7.3% | 7.5% |
| Middle of banking and PSU funds | 4.5% | 7.1% | 6.2% |
NAV on 09 Oct 2026: ₹24.1245 for the direct plan and ₹23.6447 for the regular plan. A fund's NAV already has its costs taken out, so these are the returns an investor received, before tax.
UTI Banking & PSU Debt Fund is a banking and PSU fund. The middle fund in its category returned 6.2% a year over the same 5 years.
Direct plan against regular plan
Both plans hold the same portfolio. Over 5 years, the direct plan returned 7.8% a year and the regular plan 7.5%. The difference of 0.27% a year is mostly the commission the regular plan pays a distributor.
See what that costs over timeWhy there is no ranking here
Debt funds are not ranked by return here. Among them, a higher return usually means more risk was taken, with credit or with interest rates. For a debt fund, look at what it holds before what it returned: the credit quality of its bonds, how sensitive it is to interest rates, and whether its time frame matches how long you will hold it.
Check your whole portfolio
One fund says little on its own. Add everything you hold to see what you pay in commissions, which funds double up and where the portfolio is lopsided.
Check your portfolioTalk it through first
Whether a fund belongs in your portfolio depends on your goals, your tax position and what else you own. An advisor will go through it with you on a free call.
Talk to an advisorOther banking and PSU funds
The 20 funds in this category with at least a year behind them. See their returns side by side.
Questions
What is the return of UTI Banking & PSU Debt Fund?
As of 09 Oct 2026, the direct plan of UTI Banking & PSU Debt Fund returned 6.0% over 1 year, 7.6% a year over 3 years, 7.8% a year over 5 years. The regular plan returned 7.5% a year over 5 years. Returns over more than a year are annualised.
What is the NAV of UTI Banking & PSU Debt Fund?
NAV on 09 Oct 2026: ₹24.1245 for the direct plan and ₹23.6447 for the regular plan. NAVs are published by AMFI at the end of each business day.
What is the difference between the direct and regular plan of UTI Banking & PSU Debt Fund?
They hold the same portfolio, run by the same manager. The regular plan pays a commission to a distributor each year, so it returned 0.27% a year less over 5 years.
Why is UTI Banking & PSU Debt Fund not ranked?
Debt funds are not ranked by return here. Among them, a higher return usually means more risk was taken, with credit or with interest rates. For a debt fund, look at what it holds before what it returned: the credit quality of its bonds, how sensitive it is to interest rates, and whether its time frame matches how long you will hold it.
This page is information, not a recommendation to buy, sell or hold any fund. Returns are annualised, for the growth option, from NAVs published by AMFI. A ranking by past return says nothing certain about the future, and the right fund for you depends on your goals and the rest of your portfolio.
Invsify Technologies Private Limited is a SEBI Registered Investment Adviser, Registration No. INA000020572. Investments in the securities market are subject to market risks. Read all the related documents carefully before investing. Past performance is not indicative of future results.