LIC MF Banking & PSU Debt Fund vs UTI Banking & PSU Debt Fund
LIC MF Banking & 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 01 Sep 2026
Growth of ₹100 (rebased over the selected window)
Common period 06 Feb 2014 – 01 Sep 2026, limited by UTI Banking & PSU Debt Fund. Every series is rebased to ₹100 at the start of this window.
View as table
| Date | LIC MF Banking & PSU Debt Fund | UTI Banking & PSU Debt Fund |
|---|---|---|
| 06 Feb 2014 | ₹100.00 | ₹100.00 |
| 24 Feb 2015 | ₹109.04 | ₹109.78 |
| 12 Mar 2016 | ₹116.47 | ₹119.85 |
| 30 Mar 2017 | ₹127.39 | ₹133.72 |
| 16 Apr 2018 | ₹136.14 | ₹143.22 |
| 04 May 2019 | ₹148.55 | ₹140.72 |
| 20 May 2020 | ₹165.59 | ₹155.11 |
| 07 Jun 2021 | ₹176.01 | ₹163.73 |
| 24 Jun 2022 | ₹181.04 | ₹177.72 |
| 12 Jul 2023 | ₹193.34 | ₹191.48 |
| 28 Jul 2024 | ₹208.50 | ₹206.33 |
| 15 Aug 2025 | ₹228.37 | ₹224.96 |
| 01 Sep 2026 | ₹240.93 | ₹239.29 |
| Metric | LIC · Direct NAV ₹39.99 Low to Moderate risk ★★★★☆ | UTI · Direct NAV ₹23.96 Low to Moderate risk ★★★★★ | Category median Banking and PSU Fund · 20 funds |
|---|---|---|---|
| +5.64% | +6.22%Best in row | +5.40% | |
| +7.31% | +7.42%Best in row | +7.14% | |
| +6.25% | +7.68%Best in row | +6.24% | |
| +7.04%Best in row | +6.57% | +7.20% | |
| +7.35%Best in row | +7.19% | +7.51% | |
| +6.91% | +7.49%Best in row | — | |
| +7.29%Best in row | +6.84% | +7.53% | |
| +7.24%Best in row | +6.46% | +7.47% | |
| +7.25%Best in row | +6.93% | +7.58% | |
| Risk | |||
| 1.08% | 0.81%Best in row | 1.06% | |
| 0.75 | 1.14Best in row | 0.59 | |
| 1.12 | 1.74Best in row | 0.86 | |
| -2.77%Best in row | -6.74% | -2.96% | |
| 0.28% | 0.23%Best in row | 0.35% | |
| ₹1,869Cr | — | ₹3,329Cr | |
| ₹200 | ₹500 | — | |
| ₹5.00K | ₹500 | — | |
| Pratik Harish Shroff · 2.9y | Anurag Mittal · 4.8y | — | |
| 03 Jan 2013 | 06 Feb 2014 | — | |
| 3.0% | 2.5% | — | |
10 rows carry the same value for every fund — show
- Benchmark
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- Alpha
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- Upside capture
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- Exit load
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- Lock-in
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- Top 10 weight
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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 — LIC MF Banking & PSU Debt Fund or UTI Banking & PSU Debt Fund?
Over the last 3 years, UTI Banking & PSU Debt Fund returned +7.42% CAGR against LIC MF Banking & PSU Debt Fund's +7.31%, computed from AMFI NAV history. Over 5 years: LIC MF Banking & PSU Debt Fund +6.25% vs UTI Banking & PSU Debt Fund +7.68% CAGR. Past returns don't guarantee future performance.
Which fund is cheaper — LIC MF Banking & PSU Debt Fund or UTI Banking & PSU Debt Fund?
UTI Banking & PSU Debt Fund has the lower expense ratio: LIC MF Banking & PSU Debt Fund charges 0.28% a year against UTI Banking & PSU Debt Fund's 0.23%. The expense ratio is deducted from the NAV daily, so a lower one compounds in the investor's favour.
Which fund is riskier — LIC MF Banking & PSU Debt Fund or UTI Banking & PSU Debt Fund?
LIC MF Banking & PSU Debt Fund has shown higher volatility (+1.08% 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: LIC MF Banking & PSU Debt Fund -0.59% vs UTI Banking & PSU Debt Fund -0.41%.
Are LIC MF Banking & 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.