ICICI Prudential Banking & PSU Debt Fund vs UTI Banking & PSU Fund
ICICI Prudential Banking & PSU Debt Fund (Direct) and UTI Banking & PSU 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 20 Aug 2026
Growth of ₹100 (rebased over the selected window)
Common period 06 Feb 2014 – 20 Aug 2026, limited by UTI Banking & PSU Fund. Every series is rebased to ₹100 at the start of this window.
View as table
| Date | ICICI Prudential Banking & PSU Debt Fund | UTI Banking & PSU Fund |
|---|---|---|
| 06 Feb 2014 | ₹100.00 | ₹100.00 |
| 23 Feb 2015 | ₹111.47 | ₹109.75 |
| 10 Mar 2016 | ₹120.86 | ₹119.84 |
| 27 Mar 2017 | ₹136.45 | ₹133.62 |
| 12 Apr 2018 | ₹146.22 | ₹143.14 |
| 29 Apr 2019 | ₹156.04 | ₹150.79 |
| 14 May 2020 | ₹172.90 | ₹154.62 |
| 31 May 2021 | ₹187.12 | ₹163.54 |
| 16 Jun 2022 | ₹194.61 | ₹176.72 |
| 03 Jul 2023 | ₹210.23 | ₹191.27 |
| 18 Jul 2024 | ₹227.63 | ₹205.77 |
| 04 Aug 2025 | ₹249.07 | ₹225.06 |
| 20 Aug 2026 | ₹263.59 | ₹238.71 |
| Metric | ICICI Prudential · Direct NAV ₹36.49 Low to Moderate risk ★★★★★ | UTI · Direct NAV ₹23.91 Low to Moderate risk ★★★★☆ | Category median Banking and PSU Fund · 20 funds |
|---|---|---|---|
| +6.02% | +6.01% | +5.50% | |
| +6.83% | +7.67%Best in row | +6.30% | |
| +7.36%Best in row | +6.57% | +7.24% | |
| +8.05%Best in row | +7.19% | +7.54% | |
| +7.23% | +7.48%Best in row | — | |
| +8.01%Best in row | +6.85% | +7.52% | |
| +7.82%Best in row | +6.46% | +7.48% | |
| +7.96%Best in row | +6.94% | +7.58% | |
| Risk | |||
| 1.04% | 0.81%Best in row | 1.05% | |
| 0.94 | 1.20Best in row | 0.74 | |
| 1.39 | 1.85Best in row | 1.10 | |
| -2.88%Best in row | -6.74% | -2.96% | |
| 0.40% | 0.22%Best in row | 0.35% | |
| ₹8,974Cr | ₹1,483Cr | ₹2,803Cr | |
| ₹100 | ₹500 | — | |
| Manish Banthia | Anurag Mittal | — | |
| 14 Mar 2013 | 06 Feb 2014 | — | |
| 1.2% | 2.5% | — | |
12 rows carry the same value for every fund — show
- 3Y return (CAGR)
- +7.47%
- 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 & PSU Debt Fund or UTI Banking & PSU Fund?
Over the last 3 years, ICICI Prudential Banking & PSU Debt Fund returned +7.47% CAGR against UTI Banking & PSU Fund's +7.47%, computed from AMFI NAV history. Over 5 years: ICICI Prudential Banking & PSU Debt Fund +6.83% vs UTI Banking & PSU Fund +7.67% CAGR. Past returns don't guarantee future performance.
Which fund is cheaper — ICICI Prudential Banking & PSU Debt Fund or UTI Banking & PSU Fund?
UTI Banking & PSU Fund has the lower expense ratio: ICICI Prudential Banking & PSU Debt Fund charges 0.40% a year against UTI Banking & PSU 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 & PSU Debt Fund or UTI Banking & PSU Fund?
ICICI Prudential Banking & PSU Debt Fund has shown higher volatility (+1.04% annualized vs UTI Banking & PSU 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 & PSU Debt Fund -0.66% vs UTI Banking & PSU Fund -0.41%.
Which fund manages more money — ICICI Prudential Banking & PSU Debt Fund or UTI Banking & PSU Fund?
ICICI Prudential Banking & PSU Debt Fund is the larger fund: ICICI Prudential Banking & PSU Debt Fund manages ₹8,974Cr against UTI Banking & PSU Fund's ₹1,483Cr in assets. Size cuts both ways — scale lowers costs, but a very large fund can find it harder to move in and out of positions.
Are ICICI Prudential Banking & PSU Debt Fund and UTI Banking & PSU 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.