ICICI Prudential Banking and PSU Debt Fund vs UTI Banking & PSU Debt Fund
ICICI Prudential Banking and PSU Debt Fund (Direct) and UTI Banking & PSU Debt Fund (Direct) head to head: growth of ₹100, returns across every window, risk, cost, and portfolio overlap — every figure computed from AMFI NAV history, nothing supplied by a fund house. Both are Banking and PSU Fund schemes — see the best banking & psu mutual funds for the full ranking.
Head to head
NAVs as of 25 Aug 2026
Growth of ₹100 (rebased over the selected window)
Common period 06 Feb 2014 – 25 Aug 2026, limited by UTI Banking & PSU Debt Fund. Every series is rebased to ₹100 at the start of this window.
View as table
| Date | ICICI Prudential Banking and PSU Debt Fund | UTI Banking & PSU Debt Fund |
|---|---|---|
| 06 Feb 2014 | ₹100.00 | ₹100.00 |
| 23 Feb 2015 | ₹111.47 | ₹109.75 |
| 11 Mar 2016 | ₹120.90 | ₹119.85 |
| 28 Mar 2017 | ₹136.45 | ₹133.62 |
| 14 Apr 2018 | ₹146.27 | ₹143.15 |
| 01 May 2019 | ₹156.19 | ₹140.70 |
| 17 May 2020 | ₹173.05 | ₹154.64 |
| 02 Jun 2021 | ₹187.39 | ₹163.54 |
| 19 Jun 2022 | ₹194.30 | ₹176.87 |
| 06 Jul 2023 | ₹210.37 | ₹191.23 |
| 22 Jul 2024 | ₹227.79 | ₹205.92 |
| 08 Aug 2025 | ₹248.70 | ₹225.04 |
| 25 Aug 2026 | ₹263.53 | ₹238.94 |
| Metric | ICICI Prudential · Direct NAV ₹36.48 Low to Moderate risk ★★★★★ | UTI · Direct NAV ₹23.93 Low to Moderate risk ★★★★★ | Category median Banking and PSU Fund · 20 funds |
|---|---|---|---|
| +6.03% | +6.10% | +5.45% | |
| +7.41% | +7.44% | +7.23% | |
| +6.79% | +7.67%Best in row | +6.28% | |
| +7.35%Best in row | +6.57% | +7.23% | |
| +8.04%Best in row | +7.19% | +7.53% | |
| +7.19% | +7.49%Best in row | — | |
| +8.02%Best in row | +6.85% | +7.53% | |
| +7.82%Best in row | +6.46% | +7.48% | |
| +7.96%Best in row | +6.93% | +7.59% | |
| Risk | |||
| 1.04% | 0.81%Best in row | 1.06% | |
| 0.87 | 1.17Best in row | 0.67 | |
| 1.28 | 1.80Best in row | 0.98 | |
| -2.88%Best in row | -6.74% | -2.96% | |
| 0.40% | 0.22%Best in row | 0.35% | |
| ₹8,974Cr | — | ₹3,329Cr | |
| ₹100 | ₹500 | — | |
| Manish Banthia | Anurag Mittal · 4.7y | — | |
| 14 Mar 2013 | 06 Feb 2014 | — | |
| 1.2% | 2.5% | — | |
11 rows carry the same value for every fund — show
- Benchmark
- —
- Alpha
- —
- Beta
- —
- Upside capture
- —
- Downside capture
- —
- Exit load
- None
- Lock-in
- None
- Min lumpsum
- ₹500
- Portfolio turnover
- —
- Holdings
- —
- Top 10 weight
- —
Best marks the strongest value in a row, and only where the gap is bigger than noise — a near-tie is left unmarked rather than dressed up as a result. SIP XIRR is a ₹10,000/month instalment over 5 years of real NAV history. Nothing here is supplied by a fund house. For research only — not investment advice.
Frequently asked questions
Which fund has delivered higher returns — ICICI Prudential Banking and PSU Debt Fund or UTI Banking & PSU Debt Fund?
Over the last 3 years, UTI Banking & PSU Debt Fund returned +7.44% CAGR against ICICI Prudential Banking and PSU Debt Fund's +7.41%, computed from AMFI NAV history. Over 5 years: ICICI Prudential Banking and PSU Debt Fund +6.79% vs UTI Banking & PSU Debt Fund +7.67% CAGR. Past returns don't guarantee future performance.
Which fund is cheaper — ICICI Prudential Banking and PSU Debt Fund or UTI Banking & PSU Debt Fund?
UTI Banking & PSU Debt Fund has the lower expense ratio: ICICI Prudential Banking and PSU Debt Fund charges 0.40% a year against UTI Banking & PSU Debt Fund's 0.22%. The expense ratio is deducted from the NAV daily, so a lower one compounds in the investor's favour.
Which fund is riskier — ICICI Prudential Banking and PSU Debt Fund or UTI Banking & PSU Debt Fund?
ICICI Prudential Banking and PSU Debt Fund has shown higher volatility (+1.04% annualized vs UTI Banking & PSU Debt Fund's +0.81%), measured as the annualized standard deviation of daily returns over the trailing 3 years. Worst 3-year drawdown: ICICI Prudential Banking and PSU Debt Fund -0.66% vs UTI Banking & PSU Debt Fund -0.41%.
Are ICICI Prudential Banking and PSU Debt Fund and UTI Banking & PSU Debt Fund in the same category?
Yes — both are Banking and PSU Fund schemes, so their returns, risk and cost are directly comparable against the same peer set.
Figures update daily from AMFI NAV history; ratings and ranks are WealthTicker’s own — see the methodology. This is data, not investment advice.