Bajaj Finserv Banking and Financial Services Fund vs UTI - Banking and Financial Services Fund
Bajaj Finserv Banking and Financial Services Fund and UTI - Banking and Financial Services Fund are both Banking & Financial Services Funds. As of 5 Nov 2026 (Direct plan, Growth option): 3-year CAGR — vs +14.37%, 5-year CAGR — vs +10.97%, volatility — vs 16.25%, maximum drawdown −15.58% vs −49.00%. Their portfolios overlap by 60.3% (17 stocks held by both).
Showing the Direct plan, Growth option. Portfolio, sector and market-cap figures are the same for every plan and option of a fund.
Key facts
| Bajaj Finserv Banking and Financial Services | UTI - Banking and Financial Services | |
|---|---|---|
| Fund house | Bajaj Finserv Mutual Fund | UTI Mutual Fund |
| Compared as | Banking & Financial Services Funds | Banking & Financial Services Funds |
| NAV | ₹9.9370 | ₹228.4905 |
| NAV date | 5 Nov 2026 | 5 Nov 2026 |
| Launched (first NAV) | 3 Dec 2025 | 2 Jan 2013 |
| Track record | 0.9 yrs | 13.8 yrs |
| Fund size (AUM) | ₹469 Cr | — |
| Securities held | 37 | 37 |
| Portfolio as of | 30 Sep 2026 | 30 Sep 2026 |
| Fund page | Full record → | Full record → |
Returns
| Bajaj Finserv Banking and Financial Services | UTI - Banking and Financial Services | |
|---|---|---|
| 1 month | +4.44% | +4.71% |
| 3 months | −3.00% | −0.90% |
| 6 months | +1.26% | +3.04% |
| 1 year | — | +2.08% |
| 3 years (CAGR) | — | +14.37% |
| 5 years (CAGR) | — | +10.97% |
| 7 years (CAGR) | — | +11.84% |
| 10 years (CAGR) | — | +11.31% |
| Since launch (CAGR) | — | +11.62% |
| SIP return (XIRR, 5 years) ⓘ | — | +12.44% |
Up to one year: absolute return. Beyond one year: CAGR. Computed from each fund's own NAV history (AMFI), measured to the latest NAV.
Calendar-year returns
| Bajaj Finserv Banking and Financial Services | UTI - Banking and Financial Services | |
|---|---|---|
| 2026 (year to date) | −1.31% | +0.61% |
| 2025 | — | +17.53% |
| 2024 | — | +12.26% |
| 2023 | — | +20.81% |
| 2022 | — | +16.45% |
| 2021 | — | +15.53% |
Risk
| Bajaj Finserv Banking and Financial Services | UTI - Banking and Financial Services | |
|---|---|---|
| Volatility (annualised) ⓘ | — | 16.25% |
| Downside volatility ⓘ | — | 11.02% |
| Sharpe ratio ⓘ | — | 0.49 |
| Sortino ratio ⓘ | — | 0.72 |
| Maximum drawdown ⓘ | −15.58% | −49.00% |
| Recovery from that fall | — | 10 months |
| Current fall from peak | −3.53% | −3.34% |
| Rolling 1-year return: worst | — | −46.75% |
| Rolling 1-year return: median | — | +13.39% |
| Rolling 1-year return: best | — | +100.86% |
| Share of 1-year periods with a loss | — | 21.14% |
Against each fund's benchmark
| Bajaj Finserv Banking and Financial Services | UTI - Banking and Financial Services | |
|---|---|---|
| Beta ⓘ | — | 0.92 |
| Alpha (Jensen's, annualised) ⓘ | — | +2.11% |
| R² ⓘ | — | 79.66 |
| Upside capture | — | 98.27% |
| Downside capture | — | 85.52% |
| Tracking error | — | 7.37% |
| Information ratio | — | 0.25 |
| Treynor ratio | — | 6.02 |
Portfolio
Asset mix
| Bajaj Finserv Banking and Financial Services | UTI - Banking and Financial Services | |
|---|---|---|
| Equity | 95.66% | 98.73% |
| Cash & equivalents | 3.22% | 1.27% |
| Mutual Fund Units | 1.12% | 0.00% |
Market-cap split (share of fund assets)
| Bajaj Finserv Banking and Financial Services | UTI - Banking and Financial Services | |
|---|---|---|
| Large Cap | 59.76% | 78.21% |
| Mid Cap | 10.43% | 9.91% |
| Small Cap | 20.57% | 9.96% |
| Unclassified | 4.90% | 0.65% |
Concentration
| Bajaj Finserv Banking and Financial Services | UTI - Banking and Financial Services | |
|---|---|---|
| Top 10 holdings | 62.97% | 77.05% |
| Effective number of stocks ⓘ | 15.9 | 12.3 |
| Securities held | 37 | 37 |
Portfolio overlap: 60.3%
17 companies are held by both funds; by weight, 60.3% of the two portfolios is the same. That is a high overlap: holding both adds little diversification beyond holding one.
| Held by both | Bajaj Finserv Banking and Financial Services | UTI - Banking and Financial Services |
|---|---|---|
| HDFC Bank Limited | 15.23% | 17.60% |
| ICICI Bank Limited | 12.61% | 10.37% |
| State Bank of India | 8.21% | 9.98% |
| Bajaj Finance Limited | 5.49% | 5.07% |
| Kotak Mahindra Bank Limited | 5.05% | 9.89% |
| Axis Bank Limited | 5.00% | 9.93% |
| SBI Life Insurance Company Limited | 2.88% | 3.89% |
| Bajaj Finserv Limited | 1.84% | 1.50% |
| Max Financial Services Limited | 1.23% | 1.19% |
| Ujjivan Small Finance Bank Limited | 1.04% | 3.93% |
| BSE Limited | 1.03% | 1.27% |
| Cholamandalam Investment and Finance Company Ltd | 1.42% | 1.01% |
| Sundaram Finance Limited | 2.59% | 0.70% |
| National Stock Exchange Of India Ltd | 1.47% | 0.65% |
| One 97 Communications Limited | 1.47% | 0.63% |
Top 10 holdings
Bajaj Finserv Banking and Financial Services
- HDFC Bank Limited15.23%
- ICICI Bank Limited12.61%
- State Bank of India8.21%
- Bajaj Finance Limited5.49%
- Kotak Mahindra Bank Limited5.05%
- Axis Bank Limited5.00%
- RBL Bank Limited3.00%
- SBI Funds Management Limited2.91%
- SBI Life Insurance Company Limited2.88%
- Sundaram Finance Limited2.59%
UTI - Banking and Financial Services
- HDFC Bank Limited17.60%
- ICICI Bank Limited10.37%
- State Bank of India9.98%
- Axis Bank Limited9.93%
- Kotak Mahindra Bank Limited9.89%
- Bajaj Finance Limited5.07%
- Shriram Finance Limited4.61%
- Ujjivan Small Finance Bank Limited3.93%
- SBI Life Insurance Company Limited3.89%
- ICICI Lombard General Insurance Company Limited1.78%
Sector exposure
| Bajaj Finserv Banking and Financial Services | UTI - Banking and Financial Services | |
|---|---|---|
| Banks | 53.45% | 64.53% |
| Finance | 19.91% | 17.96% |
| Capital Markets | 10.87% | 5.31% |
| Insurance | 9.44% | 9.46% |
| Financial Technology (Fintech) | 1.47% | 1.47% |
| Unclassified | 1.12% | 0.00% |
| Commercial Services & Supplies | 0.52% | 0.00% |
Questions people ask
What is the difference between Bajaj Finserv Banking and Financial Services and UTI - Banking and Financial Services returns?
As of 5 Nov 2026, Direct plan Growth option: 1-year return — vs +2.08%; 3-year CAGR — vs +14.37%; 5-year CAGR — vs +10.97%; 10-year CAGR — vs +11.31%. Past returns do not indicate future returns.
How do Bajaj Finserv Banking and Financial Services and UTI - Banking and Financial Services compare on risk?
Volatility (36 monthly returns, annualised) — vs 16.25%; Sharpe ratio — vs 0.49; Sortino ratio — vs 0.72; maximum drawdown −15.58% vs −49.00%; beta — vs 0.92.
How much do Bajaj Finserv Banking and Financial Services and UTI - Banking and Financial Services overlap?
By weight, 60.3% of the two portfolios is invested in the same companies; 17 stocks are held by both, the largest shared positions being HDFC Bank Limited, ICICI Bank Limited, State Bank of India. Based on the portfolios disclosed for Sep 2026 and Sep 2026.
What is the large, mid and small cap split of Bajaj Finserv Banking and Financial Services and UTI - Banking and Financial Services?
Bajaj Finserv Banking and Financial Services: large cap 59.8%, mid cap 10.4%, small cap 20.6%. UTI - Banking and Financial Services: large cap 78.2%, mid cap 9.9%, small cap 10.0% (share of the fund's assets, from its latest disclosed portfolio).
Is this a recommendation to choose one of these funds?
No. This page places the published figures of both funds side by side. It does not rank, rate or recommend either fund; which one suits an investor depends on their goals, horizon and risk tolerance.
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UTI - Banking and Financial Services vs
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Sources: NAV from AMFI; returns, risk and ratios computed by MF Analyser from each fund's NAV history (risk on 36 monthly returns, risk-free rate 6.5%); benchmark ratios against each fund's benchmark total-return index; portfolios from each fund house's monthly disclosure. Returns and ratios as of 5 Nov 2026. IDCW options show no return or risk figures because payouts reduce the NAV and AMFI's file carries no payout history to add back. This page compares published figures only — it does not rank, rate or recommend either fund. Past performance does not indicate future returns; mutual fund investments are subject to market risks.