UTI Banking and Financial Services Fund Direct Plan-Growth
Equity: Sectoral-Banking & Financial Services - Growth (Open ended)
SEBI Riskometer: Very HighCategory: Equity: Sectoral-Banking & Financial ServicesBenchmark: NIFTY Financial Services Total Return IndexCheck Portfolio Overlap →
NAV: ₹214.34-1.33%
21 Oct 2026
Holdings Analysis
Equity, debt and cash allocation snapshot with market cap distribution for UTI Banking and Financial Services Fund Direct Plan-Growth.
Market Cap Distribution
Large Cap (79.9%)
Mid Cap (10.0%)
Small Cap (10.1%)
Historical Asset Allocation
| Asset | 30 Sep 2026 | 31 Aug 2026 | 31 Jul 2026 | 30 Jun 2026 | 31 May 2026 | 30 Apr 2026 |
|---|---|---|---|---|---|---|
| Equity | 98.73% | 96.26% | 96.42% | 97.48% | 97.84% | 96.87% |
| Debt | 0.01% | 0.01% | 0.01% | 0.01% | 0.02% | 0.02% |
| Others (incl. cash) | 1.26% | 3.72% | 3.56% | 2.51% | 2.14% | 3.12% |
| Commodities | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Real Estate | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Portfolio Snapshot
No. of Securities
38
P/E Ratio
18.59
P/B Ratio
2.41
Top Holding %
17.60%
Top 5 Holdings %
57.77%
Top 10 Holdings %
77.05%
AUM
₹1,339 Cr
Expense Ratio
1.45%
Since Inception
11.13%
Max Drawdown
-0.49%
Alpha
3.44%
Sharpe Ratio
0.42
Top Portfolio Holdings by Weight
Latest portfolio holdings sorted by allocation weight. Includes instrument name, sector, number of shares, market value (₹ Cr) and percentage of net assets. Switch dates or categories using the controls below.
| Instrument | Sector | No. of Shares | Value (Rs. Cr) | Weight | Change |
|---|---|---|---|---|---|
| HDFC Bank Ltd. | Financial | 33,25,000 | 235.64 | 17.60% | 1.36%↑ |
| ICICI Bank Ltd. | Financial | 10,51,000 | 138.91 | 10.37% | -1.15%↓ |
| State Bank of India | Financial | 13,93,490 | 133.71 | 9.98% | -0.19%↓ |
| Axis Bank Ltd. | Financial | 10,85,000 | 133.02 | 9.93% | -0.23%↓ |
| Kotak Mahindra Bank Ltd. | Financial | 31,75,000 | 132.4 | 9.89% | 0.50%↑ |
| Bajaj Finance Ltd. | Financial | 7,07,388 | 67.87 | 5.07% | -0.08%↓ |
| Shriram Finance Ltd | Financial | 6,27,975 | 61.71 | 4.61% | 0.57%↑ |
| Ujjivan Small Finance Bank Ltd. | Financial | 78,00,000 | 52.65 | 3.93% | 0.22%↑ |
| SBI Life Insurance Company Ltd. | Insurance | 3,07,000 | 52.08 | 3.89% | 0.57%↑ |
| ICICI Lombard General Insurance Company Ltd. | Insurance | 1,50,000 | 23.85 | 1.78% | 0.16%↑ |
| Aavas Financiers Ltd. | Financial | 1,95,000 | 23.63 | 1.76% | 0.07%↑ |
| Bajaj Finserv Ltd. | Financial | 1,16,000 | 20.08 | 1.50% | -0.12%↓ |
| BSE Ltd. | Services | 55,000 | 17.01 | 1.27% | 0.93%↑ |
| Max Financial Services Ltd. | Financial | 1,16,000 | 15.93 | 1.19% | -0.50%↓ |
| Bank of Maharashtra | Financial | 18,50,000 | 14.68 | 1.10% | 0.05%↑ |
| Multi Commodity Exchange Of India Ltd. | Services | 43,052 | 14.21 | 1.06% | -1.33%↓ |
| Cholamandalam Investment and Finance Company Ltd. | Financial | 83,756 | 13.57 | 1.01% | -0.70%↓ |
| Aditya Birla Capital Ltd. | Financial | 3,49,979 | 13.32 | 0.99% | 0.01%↑ |
| Life Insurance Corporation of India | Insurance | 3,35,000 | 13.24 | 0.99% | -0.13%↓ |
| KFin Technologies Ltd. | Financial | 1,54,682 | 12.99 | 0.97% | -0.06%↓ |
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Sector-wise Portfolio Allocation
Equity exposure by sector as a percentage of total net assets, tracked across recent portfolio dates. Identifies concentration risk and sector rotation trends in the fund's holdings.
| Sector | 30 Sep 2026 | 31 Aug 2026 | 31 Jul 2026 | 30 Jun 2026 | 31 May 2026 | 30 Apr 2026 |
|---|---|---|---|---|---|---|
| Financial | 86.67% | 84.34% | 85.72% | 87.83% | 86.50% | 83.66% |
| Insurance | 8.27% | 8.38% | 7.67% | 7.71% | 7.84% | 7.71% |
| Services | 3.80% | 3.54% | 2.60% | 1.93% | 2.71% | 4.76% |
Equity Insights
A detailed look at the equity holdings of this scheme — aggregated scores on value, momentum, quality parameters along with diversification and performance analysis.
Style Analysis
Value score
69.4 / 100
Weighted average Value score is 69.4. This indicates that portfolio is relatively reasonably valued using composite of value measures.
Price Momentum score
59.9 / 100
Weighted average Price Momentum score is 59.9. This indicates that portfolio has average momentum using composite of momentum measures.
Quality score
56.9 / 100
Weighted average Quality score is 56.9. This indicates that portfolio has average quality using composite of quality measures.
QVM score
70.9 / 100
Weighted average QVM score is 70.9. This indicates that portfolio has average QVM score and hence a neutral stance is warranted.
Red Flags
Frequently Asked Questions
What are the top holdings of UTI Banking and Financial Services Fund Direct Plan-Growth?
The top holdings of UTI Banking and Financial Services Fund Direct Plan-Growth as of 30 Sep 2026 are HDFC Bank Ltd. (17.60%), ICICI Bank Ltd. (10.37%), State Bank of India (9.98%), Axis Bank Ltd. (9.93%), Kotak Mahindra Bank Ltd. (9.89%). These top 5 stocks together account for 57.77% of the total portfolio. You can view the complete holdings breakdown above.
How many stocks does UTI Banking and Financial Services Fund Direct Plan-Growth hold in its portfolio?
UTI Banking and Financial Services Fund Direct Plan-Growth holds 38 stocks in its portfolio as of 30 Sep 2026. The fund's portfolio size reflects the fund manager's investment approach, a more concentrated portfolio indicates higher conviction bets, while a larger number of holdings suggests a more diversified strategy.
What is the sector allocation of UTI Banking and Financial Services Fund Direct Plan-Growth?
As of 30 Sep 2026, UTI Banking and Financial Services Fund Direct Plan-Growth's top sector allocations are Financial (86.67%), Insurance (8.27%), Services (3.80%). You can find detailed sector allocation above.
What is the equity and debt allocation of UTI Banking and Financial Services Fund Direct Plan-Growth?
As of 30 Sep 2026, UTI Banking and Financial Services Fund Direct Plan-Growth has 98.73% allocated to equity, and 0.01% to debt. You can also check the historical trends above.
What is the market cap allocation of UTI Banking and Financial Services Fund Direct Plan-Growth?
As of 30 Sep 2026, UTI Banking and Financial Services Fund Direct Plan-Growth's market cap allocation is 79.87% in large caps, 10.03% in mid caps, and 10.09% in small caps.
What is the PE ratio of UTI Banking and Financial Services Fund Direct Plan-Growth's portfolio?
The portfolio PE ratio of UTI Banking and Financial Services Fund Direct Plan-Growth is 18.59 as of 30 Sep 2026. The portfolio PE ratio tells you how expensive or cheap the fund's holdings are relative to their earnings.
What is the credit quality of UTI Banking and Financial Services Fund Direct Plan-Growth?
A credit rating breakdown is not available for UTI Banking and Financial Services Fund Direct Plan-Growth — its non-equity allocation was 0.01% as of the latest disclosure. This is common when a fund's non-equity holdings are mostly cash or short-term money market instruments, which aren't assigned a credit rating the way bonds are.
When is the latest portfolio disclosure for UTI Banking and Financial Services Fund Direct Plan-Growth?
The latest portfolio disclosure for UTI Banking and Financial Services Fund Direct Plan-Growth is as of 30 Sep 2026. SEBI requires all mutual funds to disclose their complete portfolio holdings on a monthly basis, typically within 10 days of the end of each month.