DebtSectoral/ ThematicDirectGrowthModerate

UTI Financial Services Debt Fund

Q: What is the NAV of UTI Financial Services Debt Fund?

As of 06 Nov 2026, the NAV of UTI Financial Services Debt Fund is ₹10.01 per unit. NAV (net asset value) is the fund's per-unit price, published once each business day.

Q: What returns has UTI Financial Services Debt Fund delivered?

UTI Financial Services Debt Fund has returned +0.04% per year since inception. Figures beyond one year are annualised (CAGR) and are computed from AMFI NAV history, so they may differ slightly from other portals.

Q: How risky is UTI Financial Services Debt Fund?

UTI Financial Services Debt Fund sits at the moderate level on our estimate of SEBI's risk-o-meter scale and its worst peak-to-trough fall in our sample was 0.0%. Higher volatility means the NAV swings more; the drawdown shows how far it has fallen from a peak historically.

Q: What is the benchmark of UTI Financial Services Debt Fund?

UTI Financial Services Debt Fund is benchmarked against the Crisil Financial Services Short Term Debt Index.

Q: Who manages UTI Financial Services Debt Fund?

UTI Financial Services Debt Fund is managed by Amit Sharma at UTI.

Q: How is UTI Financial Services Debt Fund taxed?

UTI Financial Services Debt Fund is a debt / non-equity fund. Since April 2023 there is no long-term or indexation benefit — capital gains are added to your income and taxed at your income-tax slab rate regardless of how long you held the units.

UTI Mutual Fund · Best Sectoral & Thematic Mutual Funds

NAV

₹10.01

+0.04% 1D

as of 06 Nov 2026

This is the Direct plan of UTI Financial Services Debt Fund — bought from the fund house, with no distributor commission in its expense ratio. Income is retained in the fund, so it shows up as NAV rather than as a payout.

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NAV history

+0.04%absolute

52-week rangePrev NAV ₹10.01

Latest ₹10.01

Low ₹10.01100th percentile of its 52-week rangeHigh ₹10.01

Key Metrics

Annual fee charged by the fund, already deducted from NAV

—

Category 1.27%

Portfolio-weighted harmonic mean P/E across the fund's equity holdings

—

Category 29.34

Excess return per unit of total volatility (rf = 6.5%)

—

Category 0.52

Scheme Info

Definitions

Plan

Direct · Growth

Period before units can be redeemed — 3 years for ELSS, none for most open-ended funds

None

Entry Load : Not Applicable# #In terms of provision no 11.7.1 of para 11.7 under Chapter 11 of SEBI Master Circular for Mutual Funds, no entry load will be charged by the scheme to the investor. Exit Load : Nil

—

Statutory levy on every mutual-fund purchase since 1 Jul 2020 (SEBI / Govt of India) — the same for every scheme

0.005%

SIP Inv.

—

Smallest recurring SIP instalment the scheme accepts

—

Smallest one-time (lumpsum) investment the scheme accepts

₹500

Crisil Financial Services Short Term Debt Index

Start of our NAV history for this plan. Direct plans begin 1 Jan 2013, so this is the plan's inception — not necessarily the scheme's original launch date.

05 Nov 2026

Period returns (<1Y, absolute — not annualized)

Definitions

Absolute return over the last 1 month (not annualized)

—

Absolute return over the last 3 months (not annualized)

—

Absolute return over the last 6 months (not annualized)

—

Absolute return since 1 Jan of this year (not annualized)

—

Annualized returns (≥1Y — CAGR)

Definitions

1-year point-to-point return, annualized (CAGR)

—

3-year annualized return (CAGR)

—

5-year annualized return (CAGR)

—

10-year annualized return (CAGR)

—

Annualized return (CAGR) since the first NAV we hold for this plan — the Inception date under Key metrics. AMFI's history starts in April 2006, so an older scheme is measured from there.

+0.04%

Advanced metrics — risk

Risk (trailing 3Y)

Definitions

Annualized standard deviation of daily returns

—

Excess return per unit of total volatility (rf = 6.5%)

—

Excess return per unit of downside deviation — upside swings aren't penalized (rf = 6.5%)

—

Largest peak-to-trough decline over full history

0.00%

Benchmark ratios

Not shown for Sectoral/ Thematic — a debt, arbitrage or cash-like fund isn't measured against an equity index, so alpha/beta vs one would be noise rather than signal.

Not sure what a figure means? The glossary explains every metric, and the methodology shows the formulas.

Backtest this fund

What a SIP or one-time investment would have grown to over this fund’s real NAV history.

Monthly investment (₹)

Period

Invested

₹10.00K

Current value

₹10.00K

Absolute

0.00%

XIRR

+450.01%

Value vs. invested

ValueInvested

Pick a longer period to plot the path.

1 monthly installments of ₹10,000 into UTI Financial Services Debt Fund, valued at the latest NAV. XIRR annualizes for each installment’s timing.

History points

Exit load

Taxation

Taxed as debt

This is a debt / non-equity fund. Since April 2023 there is no long-term or indexation benefit — every rupee of gain is added to your income and taxed at your income-tax slab rate, whatever the holding period.

Any holding period

30%

Short- and long-term alike

Your income-tax slab — no LTCG or indexation benefit

Your income-tax slab

Pick your slab to see the rate that applies to you.

Applies to capital gains on redemption. Excludes IDCW/dividend tax, STT, surcharge and cess, and pre-2018 equity grandfathering. For research only — consult a tax advisor before filing.

Peer comparison · Sectoral/ Thematic

Compare all


UTI Financial Services Debt FundThis fund UTI · Direct · Growth	—	—	—	—	—	—	—
Nippon India Taiwan Equity Fund Nippon India · Direct · Growth	★★★★☆	+39.55%	+41.23%	—	—	1.08%	₹1,100Cr
HDFC Defence Fund HDFC · Direct · Growth	★★★★☆	+20.78%	+34.58%	—	54.93	0.90%	₹11,128Cr
HDFC Pharma and Healthcare Fund HDFC · Direct · Growth	★★★★★	+28.23%	+31.30%	—	49.48	1.05%	₹3,128Cr
SBI Healthcare Opportunities Fund SBI · Direct · Growth	★★★★★	+22.32%	+25.30%	+19.77%	56.50	1.01%	₹5,565Cr
HDFC Transportation and Logistics Fund HDFC · Direct · Growth	★★★★☆	+9.94%	+24.93%	—	37.58	1.16%	₹1,997Cr

AMC Profile

UTI Mutual Fund descends from the Unit Trust of India, which was effectively the whole Indian mutual fund industry from 1963 until private managers were allowed in. It was carved out as a SEBI-registered fund house in 2003, is listed on the exchanges, and is held by SBI, LIC, Bank of Baroda, PNB and T. Rowe Price rather than a single parent.

Launched

13 Nov 2002

Total AUM

₹4,02,337Cr+2.5% QoQ

Avg AUM · July - September 2026

Website

utimf.com

Fund Managers

ASAmit SharmaStart date not disclosed

Role

Senior Vice President- Fixed Income

Education

B.Com, CA, FRM

Experience

He joined UTI in 2008. He has worked in Department of Fund Accounts. He is a B.Com graduate and C.A. He has been associated with the Dept. of Fund Management for the past

Funds managed (10)

All schemes Amit Sharma runs →

Fund manager, benchmark and dealing terms from this scheme's SEBI-filed Scheme Information Document on AMFI. Each manager's qualifications and role are reconciled across every filing this fund house makes for them, including its Statement of Additional Information. Total AUM via AMFI.

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Fund managers

Amit Sharma

UTI in the news

Headlines about the fund house, not this scheme in particular — highlights only; tap through to read the full story at the source.

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Returns and risk are computed from NAV history and may differ slightly from other portals due to methodology (rolling vs point-to-point, dividend treatment). For research only — not investment advice.

About Sectoral & Thematic funds

Sectoral and thematic funds must keep at least 80% in the equity of one sector (banking, pharma, technology) or one theme (consumption, manufacturing, ESG). That concentration is the point and the risk: with no mandate to diversify away from the sector, the fund rises and falls with it.

Frequently asked questions

What is the NAV of UTI Financial Services Debt Fund?

As of 06 Nov 2026, the NAV of UTI Financial Services Debt Fund is ₹10.01 per unit. NAV (net asset value) is the fund's per-unit price, published once each business day.

What returns has UTI Financial Services Debt Fund delivered?

UTI Financial Services Debt Fund has returned +0.04% per year since inception. Figures beyond one year are annualised (CAGR) and are computed from AMFI NAV history, so they may differ slightly from other portals.

How risky is UTI Financial Services Debt Fund?

UTI Financial Services Debt Fund sits at the moderate level on our estimate of SEBI's risk-o-meter scale and its worst peak-to-trough fall in our sample was 0.0%. Higher volatility means the NAV swings more; the drawdown shows how far it has fallen from a peak historically.

What is the benchmark of UTI Financial Services Debt Fund?

UTI Financial Services Debt Fund is benchmarked against the Crisil Financial Services Short Term Debt Index.

Who manages UTI Financial Services Debt Fund?

UTI Financial Services Debt Fund is managed by Amit Sharma at UTI.

How is UTI Financial Services Debt Fund taxed?

UTI Financial Services Debt Fund is a debt / non-equity fund. Since April 2023 there is no long-term or indexation benefit — capital gains are added to your income and taxed at your income-tax slab rate regardless of how long you held the units.