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 09 Oct 2026
Growth of ₹100 (rebased over the selected window)
Common period 25 Apr 2014 – 09 Oct 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 |
| 09 May 2015 | ₹109.12 | ₹110.75 |
| 22 May 2016 | ₹119.90 | ₹120.93 |
| 06 Jun 2017 | ₹132.67 | ₹132.19 |
| 20 Jun 2018 | ₹140.49 | ₹139.31 |
| 04 Jul 2019 | ₹141.44 | ₹155.88 |
| 17 Jul 2020 | ₹155.17 | ₹175.44 |
| 31 Jul 2021 | ₹160.93 | ₹183.58 |
| 14 Aug 2022 | ₹177.18 | ₹190.07 |
| 29 Aug 2023 | ₹188.74 | ₹202.91 |
| 11 Sep 2024 | ₹203.84 | ₹219.24 |
| 25 Sep 2025 | ₹221.53 | ₹238.11 |
| 09 Oct 2026 | ₹235.70 | ₹253.55 |
| Metric | UTI · Direct NAV ₹24.12 Low to Moderate risk ★★★★★ | Franklin Templeton · Direct NAV ₹25.35 Low to Moderate risk ★★★★★ | Category median Banking and PSU Fund · 20 funds |
|---|---|---|---|
| +5.98% | +5.93% | +4.51% | |
| +7.58% | +7.50% | +7.13% | |
| +7.78%Best in row | +6.48% | +6.22% | |
| +6.47% | +7.20%Best in row | +7.07% | |
| +7.18% | +7.75% | +7.47% | |
| +7.41%Best in row | +7.11% | — | |
| +6.87% | +7.53%Best in row | +7.52% | |
| +6.49% | +7.50%Best in row | +7.45% | |
| +6.92% | +7.57%Best in row | +7.55% | |
| Risk | |||
| 0.77%Best in row | 0.99% | 1.06% | |
| 1.41Best in row | 1.01 | 0.56 | |
| 2.27Best in row | 1.53 | 0.83 | |
| -6.74% | -3.64% | -2.96% | |
| 0.24% | 0.23% | 0.35% | |
| ₹1,449Cr | ₹576.51Cr | ₹2,902Cr | |
| ₹20.00K | ₹5.00K | — | |
| Anurag Mittal | Sandeep Manam | — | |
| 06 Feb 2014 | 25 Apr 2014 | — | |
| 2.5% | 5.8% | — | |
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, UTI Banking & PSU Debt Fund returned +7.58% CAGR against Franklin India Banking & PSU Debt Fund's +7.50%, computed from AMFI NAV history. Over 5 years: UTI Banking & PSU Debt Fund +7.78% vs Franklin India Banking & PSU Debt Fund +6.48% CAGR. Past returns don't guarantee future performance.
Which fund is cheaper — UTI Banking & PSU Debt Fund or Franklin India Banking & PSU Debt Fund?
Franklin India Banking & PSU Debt Fund has the lower expense ratio: UTI Banking & PSU Debt Fund charges 0.24% 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 +0.77%), 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%.
Which fund manages more money — UTI Banking & PSU Debt Fund or Franklin India Banking & PSU Debt Fund?
UTI Banking & PSU Debt Fund is the larger fund: UTI Banking & PSU Debt Fund manages ₹1,449Cr against Franklin India Banking & PSU Debt Fund's ₹576.51Cr 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 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.