SBI Banking & PSU Debt Fund vs UTI Banking & PSU Debt Fund
SBI 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 22 Oct 2026
Growth of ₹100 (rebased over the selected window)
Common period 06 Feb 2014 – 22 Oct 2026, limited by UTI Banking & PSU Debt Fund. Every series is rebased to ₹100 at the start of this window.
View as table
| Date | SBI Banking & PSU Debt Fund | UTI Banking & PSU Debt Fund |
|---|---|---|
| 06 Feb 2014 | ₹100.00 | ₹100.00 |
| 28 Feb 2015 | ₹110.83 | ₹109.88 |
| 21 Mar 2016 | ₹121.52 | ₹120.49 |
| 11 Apr 2017 | ₹132.72 | ₹133.94 |
| 03 May 2018 | ₹142.46 | ₹142.85 |
| 25 May 2019 | ₹155.55 | ₹142.09 |
| 15 Jun 2020 | ₹174.60 | ₹155.99 |
| 06 Jul 2021 | ₹185.51 | ₹163.67 |
| 28 Jul 2022 | ₹191.20 | ₹179.92 |
| 19 Aug 2023 | ₹204.43 | ₹192.23 |
| 09 Sep 2024 | ₹221.56 | ₹208.27 |
| 30 Sep 2025 | ₹241.15 | ₹226.67 |
| 22 Oct 2026 | ₹253.44 | ₹240.75 |
| Metric | SBI · Direct NAV ₹3,534.68 Low to Moderate risk ★★★★☆ | UTI · Direct NAV ₹24.11 Low to Moderate risk ★★★★★ | Category median Banking and PSU Fund · 20 funds |
|---|---|---|---|
| +4.27% | +5.66%Best in row | +3.86% | |
| +7.06% | +7.47%Best in row | +6.88% | |
| +6.11% | +7.75%Best in row | +6.10% | |
| +7.05%Best in row | +6.45% | +7.02% | |
| +7.65% | +7.16% | +7.41% | |
| +6.58% | +7.30%Best in row | — | |
| +7.53%Best in row | +6.86% | +7.52% | |
| +7.45%Best in row | +6.49% | +7.45% | |
| +7.52%Best in row | +6.91% | +7.55% | |
| Risk | |||
| 1.02% | 0.77%Best in row | 1.08% | |
| 0.55 | 1.25Best in row | 0.35 | |
| 0.82 | 2.01Best in row | 0.50 | |
| -3.20% | -6.74% | -2.96% | |
| 0.41% | 0.24%Best in row | 0.35% | |
| ₹2,687Cr | ₹1,449Cr | ₹2,902Cr | |
| ₹5.00K | ₹20.00K | — | |
| Rajeev Radhakrishnan · 12.9y | Anurag Mittal | — | |
| 09 Oct 2009 | 03 Feb 2014 | — | |
| 9.8% | 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 SIP
- ₹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 — SBI Banking & PSU Debt Fund or UTI Banking & PSU Debt Fund?
Over the last 3 years, UTI Banking & PSU Debt Fund returned +7.47% CAGR against SBI Banking & PSU Debt Fund's +7.06%, computed from AMFI NAV history. Over 5 years: SBI Banking & PSU Debt Fund +6.11% vs UTI Banking & PSU Debt Fund +7.75% CAGR. Past returns don't guarantee future performance.
Which fund is cheaper — SBI Banking & PSU Debt Fund or UTI Banking & PSU Debt Fund?
UTI Banking & PSU Debt Fund has the lower expense ratio: SBI Banking & PSU Debt Fund charges 0.41% a year against UTI Banking & PSU Debt Fund's 0.24%. The expense ratio is deducted from the NAV daily, so a lower one compounds in the investor's favour.
Which fund is riskier — SBI Banking & PSU Debt Fund or UTI Banking & PSU Debt Fund?
SBI Banking & PSU Debt Fund has shown higher volatility (+1.02% annualized vs UTI Banking & PSU Debt Fund's +0.77%), measured as the annualized standard deviation of daily returns over the trailing 3 years. Worst 3-year drawdown: SBI Banking & PSU Debt Fund -0.60% vs UTI Banking & PSU Debt Fund -0.41%.
Which fund manages more money — SBI Banking & PSU Debt Fund or UTI Banking & PSU Debt Fund?
SBI Banking & PSU Debt Fund is the larger fund: SBI Banking & PSU Debt Fund manages ₹2,687Cr against UTI Banking & PSU Debt Fund's ₹1,449Cr 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 SBI 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.