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  • UTI Banking & PSU Debt Fund Inc Dist cum Cap Wdrl (PIDCW-M)

Formerly UTI Banking & PSU Debt Reg Mn DP

UTI Mutual Fund

UTI Banking & PSU Debt Fund Inc Dist cum Cap Wdrl (PIDCW-M)

DebtBanking And Psu

11.8605

NAV (Oct 13)

3.1%
3 Year CAGR
Scripbox Opinion

Neutral

Click here for top ranked funds in banking and psu mutual funds.

However, Scripbox does not recommend investing in banking and psu mutual funds.

Banking and PSU Funds are mandated to invest a minimum of 80% of total assets in debt instruments issued by Banks, Public Sector Undertakings and Public Financial Institutions.

They tend to invest in medium to long duration securities and hence are exposed to higher variations when interest rates change.

The category accounts for close to 8% of the total assets in the Debt Segment.

We assess the credit quality of funds in this category as relatively poor.We do not recommend funds in this category since we believe that the potential incremental return is not justified by the higher credit risk and higher interest rate risk.

Scripbox does not recommend investing in the dividend option of a fund because dividends are taxable at a higher rate than withdrawals.

Our analysis of this fundLearn how we rate funds ->

Track Record

5 Years. The Fund has Sufficient history for analysis and the track record is good.

Relative Size

223 Cr. Small within the category

Impact of Interest Rate Changes

Moderate Interest Rate Risk. The impact on fund value is moderate when interest rates change

Credit Quality Of Fund's Portfolio

High Credit Risk. The fund has a lower credit quality compared to other debt funds

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Short Term Money

Short Term Money

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  • graph-icon-gray
    Historical growth rate of 6.5% per annum
  • graph-icon-gray
    Recommended Duration 1 - 5 years
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    No Lock-in
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    Expert Investing Only, Car, Down Payment

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Historical NAV

11.8605

NAV (Oct 13)

Fund Returns

Last 1Y
2.8%
Last 3Y
3.1%
Last 5Y
4.3%
Last 10Y
NA
Since Inception
5.3%
6 Month CAGR
1.9%
info-icon-blue

Scheme Information

Investment Objective

The investment objective of the scheme is to generate reasonable income,with low risk and high level of liquidity from a portfolio of predominantly debt & money market securities by Banks,Public Sector Undertakings (PSUs) and Public Financial Institutions (PFIs) and Municipal Bonds. However there can be no assurance that the investment objective of the Scheme will be achieved. The Scheme does not guarantee / indicate any returns.

Low

Low to Moderate

Moderate

Moderately High

High

Very High

risk-indicator-arrow.svg

Moderately High risk

Expense Ratio
0.31
Launched (5y ago)
Jan 13, 2016
AUM in Crores
222.421
ISIN
INF789FC1HE1
Lock-in
No Lock-in
Benchmark
CRISIL Banking and PSU Debt TR INR
SIP Minimum
1000
Lumpsum Min.
20000
Fund Managers
user-avatar

Sudhir Agarwal

Fund Manager

calculator

Returns Calculator Comparison

of

for

with step up of

InstrumentReturnsTotal CorpusGainsAnnualised %
Mutual Fund70%₹ 9,65,796 ₹ 2,33,18411.25%
EPF70% ₹ 9,00,761 ₹ 1,68,1498.50%
Property70% ₹ 8,67,662 ₹ 1,35,0507.00%
PPF70% ₹ 8,69,819 ₹ 1,37,2077.10%
Bank FD70% ₹ 8,46,471 ₹ 1,13,8596.00%
Gold70% ₹ 8,46,471 ₹ 1,13,8596.00%
Savings Bank70% ₹ 8,25,950 ₹ 93,3385.00%

Disclaimer: Products compared like fixed deposits may provide fixed guaranteed returns. Mutual Funds investments are subject to market risk, read all scheme related documents carefully before investing. Past performance is not an indicator of future returns.

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Short Term Money

Invest in a scientifically curated set of debt mutual funds which are best aligned towards achieving any short term objectives you may have.

  • Inflation beating returns
    Inflation beating returns
  • Expert Investing Only, Car, Down Payment
    Expert Investing Only, Car, Down Payment
  • One click investing  tracking
    One click investing tracking
comparison

Comparison with Debt Funds

Fund NameScripbox OpinionFund SizeTrack Record

Kotak Savings Fund (G)

recommended-badge

₹ 12,698 cr

5

recommended-badge

₹ 28,554 cr

5

recommended-badge

₹ 11,007 cr

5

recommended-badge

₹ 21,654 cr

5

recommended-badge

₹ 28,496 cr

5

amc-icon

About the AMC

UTI Asset Management Company Ltd

UTI Asset Management Co Ltd manages assets worth 178,540 crores and was set up on 3 December 1993. It's current offering of mutual fund schemes includes 59 equity,485 debt and 34 hybrid funds.

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  • tel-amc-about
    022-62278000
  • mail-amc-about
    invest@utico.in
  • Fund NameScripbox Opinion
    Till Date CAGR
    recommended-badge

    21.1%

    12.2%

    top-ranked-badge

    21.1%

    12.2%

    top-ranked-badge

    21.1%

    12.2%

    top-ranked-badge

    5%

    7%

    top-ranked-badge

    4.8%

    7.2%

    growth

    Short Term Money

    Invest in a scientifically curated set of debt mutual funds which are best aligned towards achieving any short term objectives you may have.

    • graph-icon-gray
      Historical growth rate of 6.5% per annum
    • graph-icon-gray
      Recommended Duration 1 - 5 years
    • graph-icon-gray
      No Lock-in
    • graph-icon-gray
      Expert Investing Only, Car, Down Payment
    • graph-icon-gray
      One-click investing and tracking
    • graph-icon-gray
      Zero fees for all your investments
    Kotak Savings Fund (Growth)

    Kotak Savings Fund (Growth)

    Debt

    Ultra Short

    ICICI Prudential Savings Fund (Growth)

    ICICI Prudential Savings Fund (Growth)

    Debt

    Low Duration

    Tata Liquid Fund (Growth)

    Tata Liquid Fund (Growth)

    Debt

    Liquid

    How does Scripbox rate funds?

    Proprietary 4-step system to rate mutual funds

    We use a proprietary system to rate mutual funds and based on that make a recommendation or rate the fund as top ranked.

    What Scripbox recommendations mean?
    Scripbox algorithm recommends 2-4 funds for investment for an investment asset class such as large cap, diversified, liquid etc. When you invest for an objective, the algorithm suggests the appropriate asset class and funds.
    Track Record

    Track Record

    We look at consistent and long historical performance for our analysis.

    Fund Size

    Fund Size

    We look at the size of the fund with respect to other funds in the category. Larger funds are preferred.

    Sub-asset Class View

    Sub-asset Class View

    We check if the sub-category of the fund is recommended by us.

    Fund Performance

    Fund Performance

    Consistency of performance over various tenures is analysed for a relative performance stack.

    Track Record

    Track Record

    We look at consistent and long historical performance for our analysis.

    Fund Size

    Fund Size

    We look at the size of the fund with respect to other funds in the category. Larger funds are preferred.

    Impact of Interest Rates

    Impact of Interest Rates

    We check the relative interest rate risk of the sub-category of the fund. Lower the better.

    Credit Attractiveness

    Credit Attractiveness

    We check the credit quality of the underlying instruments present in the fund. Higher the better.

    Equity Funds

    Debt Funds

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    3,600+

    AUM

    2,500+

    Cities

    2012

    Established

    About UTI Banking & PSU Debt Fund Inc Dist cum Cap Wdrl (PIDCW-M)

    About UTI Banking & PSU Debt Fund Inc Dist cum Cap Wdrl (PIDCW-M)

    UTI Banking & PSU Debt Fund Inc Dist cum Cap Wdrl (PIDCW-M) is a Banking And Psu Debt fund and has delivered an annualised return of 5.3% over a period of 5 years. The fund was previously known as UTI Banking & PSU Debt Reg Mn DP . The fund is managed by UTI Asset Management Co Ltd. The fund manager’s name is Sudhir Agarwal

    UTI Banking & PSU Debt Fund Inc Dist cum Cap Wdrl (PIDCW-M) Investment Objective

    The investment objective of the scheme is to generate reasonable income,with low risk and high level of liquidity from a portfolio of predominantly debt & money market securities by Banks,Public Sector Undertakings (PSUs) and Public Financial Institutions (PFIs) and Municipal Bonds. However there can be no assurance that the investment objective of the Scheme will be achieved. The Scheme does not guarantee / indicate any returns. . However, there is no assurance that the objective of the scheme will be realized.

    UTI Banking & PSU Debt Fund Inc Dist cum Cap Wdrl (PIDCW-M) NAV,AUM,Risk

    The UTI Banking & PSU Debt Fund Inc Dist cum Cap Wdrl (PIDCW-M) fund was launched on Jan 13, 2016. The NAV (Net Asset Value) of this Banking And Psu Debt fund as of 2021-10-13 is ₹11.86. The total AUM (Asset Under Management) of the fund as of 14/10/2021 is ₹222.421. The category risk of the UTI Banking & PSU Debt Fund Inc Dist cum Cap Wdrl (PIDCW-M) fund is Moderately High risk. The fund charges 0.31 % as expense ratio.

    UTI Banking & PSU Debt Fund Inc Dist cum Cap Wdrl (PIDCW-M) Holdings

    The fund’s highest allocation is towards Debt and has invested 60.6% in this asset class. The top three holdings of the fund are , net current assets , food corporation of india , nhpc limited , rural electrification corporation limited , national highways authority of india , oil& natural gas corporation limited , housing and urban development corporation limited (hudco) , indian railway finance corporation limited , small industries development bank of india , hindustan petroleum corporation limited , jorabat shillong expressway limited , national bank for agriculture and rural development , national bank for agriculture and rural development , national housing bank , govt stock , export-import bank of india , clearing corporation of india ltd. std - 92 daysmargin deposit

    UTI Banking & PSU Debt Fund Inc Dist cum Cap Wdrl (PIDCW-M) Sip

    The minimum SIP (Systematic Investment Plan) amount for this is ₹1000 and you can increase this in multiples of ₹ 100. In case you want to invest a lump sum, the minimum amount to be invested is ₹ 20000.

    UTI Banking & PSU Debt Fund Inc Dist cum Cap Wdrl (PIDCW-M) Investment volatility and Horizon

    This fund is suited for investors looking to invest for 1-4 years. The asset class is less volatile than equity and the fund is likely to provide stable but slow growth. The fund is benchmarked to CRISIL Banking and PSU Debt TR INR.

    UTI Banking & PSU Debt Fund Inc Dist cum Cap Wdrl (PIDCW-M) Review

    UTI Banking & PSU Debt Fund Inc Dist cum Cap Wdrl (PIDCW-M) has a score of 2 on a scale of 5. The fund has a score of 4 out of 5 based on historical performance. As compared to the other funds in its category, UTI Banking & PSU Debt Fund Inc Dist cum Cap Wdrl (PIDCW-M) has a score of 2out of 5 The credit risk of the fund is 2 out of 5 as compared to other debt funds.

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