UTI Banking and PSU Debt Fund
Direct · Growth ₹24.23
11 Nov 2026
NAV
6.9%
3Y CAGR
6.5%
5Y CAGR
6.9%
10Y CAGR
6.8%
Weighted CAGR
?
Weighted Mean CAGR
Gives more importance to longer time periods (10Y, 20Y) than shorter ones (1Y, 3Y). This balances out recent outperformance and gives a more realistic picture of what long-term returns might look like.
Gives more importance to longer time periods (10Y, 20Y) than shorter ones (1Y, 3Y). This balances out recent outperformance and gives a more realistic picture of what long-term returns might look like.
2.29
Sharpe
-6.7%
Max Drawdown
?
Max Drawdown
The largest peak-to-trough decline in the fund's NAV. Shows the worst-case loss an investor would have experienced at any point in the fund's history.
The largest peak-to-trough decline in the fund's NAV. Shows the worst-case loss an investor would have experienced at any point in the fund's history.
NA
TER
If you invested ₹1,00,000 every month via SIP, here's how this fund has historically performed across different time horizons.
| Duration | Invested | Median Value | XIRR | Min XIRR | Max XIRR |
|---|---|---|---|---|---|
| 1 Year | ₹12.00 L | ₹12.41 L | 7.1% | -8.4% | 15.3% |
| 3 Years | ₹36.00 L | ₹40.04 L | 6.8% | 1.3% | 10.6% |
| 5 Years | ₹60.00 L | ₹70.86 L | 6.4% | 3.9% | 8.3% |
| 7 Years | ₹84.00 L | ₹1.05 Cr | 6.5% | 4.6% | 7.7% |
| 10 Years | ₹1.20 Cr | ₹1.69 Cr | 6.8% | 6.6% | 7.1% |
| 12 Years | ₹1.44 Cr | ₹2.20 Cr | 6.9% | 6.8% | 7.0% |
SIP returns vs benchmark & category
Annualised SIP return (XIRR) over each rolling horizon — like-for-like, not lump-sum.
| Duration | Fund SIP XIRR | Category avg |
|---|---|---|
| 1 Year | 7.1% | 6.3% |
| 3 Years | 6.8% | 7.1% |
| 5 Years | 6.4% | 6.9% |
| 7 Years | 6.5% | 7.1% |
| 10 Years | 6.8% | 7.0% |
| 12 Years | 6.9% | 7.1% |
| Duration | Mean | Median | Min | Max | Sharpe | Sortino | % Positive | Cat. Mean | Cat. Median |
|---|---|---|---|---|---|---|---|---|---|
| 1 Year | 7.2% | 7.8% | -1.5% | 13.8% | 0.22 | 0.32 | 97% | — | — |
| 3 Years | 6.9% | 7.4% | 3.5% | 10.0% | 0.20 | 0.31 | 100% | — | — |
| 5 Years | 6.5% | 6.6% | 4.4% | 8.2% | -0.01 | -0.02 | 100% | — | — |
| 10 Years | 6.9% | 7.0% | 6.4% | 7.1% | 2.29 | 55.85 | 100% | — | — |
-6.7%
Max Drawdown
1 mo
Drawdown Duration
9 mo
Recovery Time
-0.3%
Avg Drawdown
Calmar Ratio by Duration
1.06
1Y
1.02
3Y
0.96
5Y
0.96
7Y
1.03
10Y
1.05
12Y