UTI Banking & PSU Debt Fund vs Franklin India Banking & PSU Debt Fund
UTI Banking & PSU Debt Fund (Direct) and Franklin India 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 25 Apr 2014 – 25 Aug 2026, limited by Franklin India Banking & PSU Debt Fund. Every series is rebased to ₹100 at the start of this window.
View as table
| Date | UTI Banking & PSU Debt Fund | Franklin India Banking & PSU Debt Fund |
|---|---|---|
| 25 Apr 2014 | ₹100.00 | ₹100.00 |
| 05 May 2015 | ₹109.11 | ₹111.10 |
| 15 May 2016 | ₹119.77 | ₹120.86 |
| 25 May 2017 | ₹132.30 | ₹131.88 |
| 05 Jun 2018 | ₹139.96 | ₹138.89 |
| 15 Jun 2019 | ₹140.55 | ₹155.39 |
| 25 Jun 2020 | ₹153.82 | ₹173.38 |
| 05 Jul 2021 | ₹160.21 | ₹182.75 |
| 15 Jul 2022 | ₹175.53 | ₹188.59 |
| 26 Jul 2023 | ₹188.09 | ₹201.88 |
| 04 Aug 2024 | ₹202.17 | ₹217.38 |
| 15 Aug 2025 | ₹220.12 | ₹236.57 |
| 25 Aug 2026 | ₹233.80 | ₹252.23 |
| Metric | UTI · Direct NAV ₹23.93 Low to Moderate risk ★★★★★ | Franklin Templeton · Direct NAV ₹25.22 Low to Moderate risk ★★★★★ | Category median Banking and PSU Fund · 20 funds |
|---|---|---|---|
| +6.10% | +6.63%Best in row | +5.45% | |
| +7.44% | +7.55%Best in row | +7.23% | |
| +7.67%Best in row | +6.44% | +6.28% | |
| +6.57% | +7.30%Best in row | +7.23% | |
| +7.19% | +7.79%Best in row | +7.53% | |
| +7.49%Best in row | +7.20% | — | |
| +6.85% | +7.53%Best in row | +7.53% | |
| +6.46% | +7.52%Best in row | +7.48% | |
| +6.93% | +7.60%Best in row | +7.59% | |
| Risk | |||
| 0.81%Best in row | 0.99% | 1.06% | |
| 1.17Best in row | 1.06 | 0.67 | |
| 1.80Best in row | 1.61 | 0.98 | |
| -6.74% | -3.64%Best in row | -2.96% | |
| 0.22% | 0.23% | 0.35% | |
| — | ₹1.11Cr | ₹3,329Cr | |
| ₹500 | ₹5.00K | — | |
| Anurag Mittal · 4.7y | Sandeep Manam · 4.9y | — | |
| 06 Feb 2014 | 25 Apr 2014 | — | |
| 2.5% | 17.3% | — | |
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 — UTI Banking & PSU Debt Fund or Franklin India Banking & PSU Debt Fund?
Over the last 3 years, Franklin India Banking & PSU Debt Fund returned +7.55% CAGR against UTI Banking & PSU Debt Fund's +7.44%, computed from AMFI NAV history. Over 5 years: UTI Banking & PSU Debt Fund +7.67% vs Franklin India Banking & PSU Debt Fund +6.44% CAGR. Past returns don't guarantee future performance.
Which fund is cheaper — UTI Banking & PSU Debt Fund or Franklin India Banking & PSU Debt Fund?
UTI Banking & PSU Debt Fund has the lower expense ratio: UTI Banking & PSU Debt Fund charges 0.22% a year against Franklin India 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 — UTI Banking & PSU Debt Fund or Franklin India Banking & PSU Debt Fund?
Franklin India Banking & PSU Debt Fund has shown higher volatility (+0.99% 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: UTI Banking & PSU Debt Fund -0.41% vs Franklin India Banking & PSU Debt Fund -0.62%.
Are UTI Banking & PSU Debt Fund and Franklin India 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.