Nippon India Banking & Financial Services Fund vs UTI Financial Services Debt Fund
Nippon India Banking & Financial Services Fund and UTI Financial Services Debt Fund are both Banking & Financial Services Funds. As of 6 Nov 2026 (Direct plan, Growth option): 3-year CAGR +12.59% vs —, 5-year CAGR +12.48% vs —, volatility 16.51% vs —, maximum drawdown −50.56% vs —.
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
| Nippon India Banking & Financial Services | UTI Financial Services Debt | |
|---|---|---|
| Fund house | Nippon India Mutual Fund | UTI Mutual Fund |
| Compared as | Banking & Financial Services Funds | Banking & Financial Services Funds |
| NAV | ₹715.5527 | — |
| NAV date | 6 Nov 2026 | — |
| Launched (first NAV) | 2 Jan 2013 | — |
| Track record | 13.8 yrs | — |
| Fund size (AUM) | ₹7,367 Cr | — |
| Securities held | 33 | — |
| Portfolio as of | 30 Sep 2026 | Not disclosed yet |
| Fund page | Full record → | Full record → |
Returns
| Nippon India Banking & Financial Services | UTI Financial Services Debt | |
|---|---|---|
| 1 month | +5.53% | — |
| 3 months | +0.59% | — |
| 6 months | +1.99% | — |
| 1 year | +1.25% | — |
| 3 years (CAGR) | +12.59% | — |
| 5 years (CAGR) | +12.48% | — |
| 7 years (CAGR) | +13.70% | — |
| 10 years (CAGR) | +13.60% | — |
| Since launch (CAGR) | +13.57% | — |
| SIP return (XIRR, 5 years) ⓘ | +12.63% | — |
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
| Nippon India Banking & Financial Services | UTI Financial Services Debt | |
|---|---|---|
| 2026 (year to date) | −1.22% | — |
| 2025 | +18.39% | — |
| 2024 | +11.25% | — |
| 2023 | +25.11% | — |
| 2022 | +21.75% | — |
| 2021 | +30.66% | — |
Risk
| Nippon India Banking & Financial Services | UTI Financial Services Debt | |
|---|---|---|
| Volatility (annualised) ⓘ | 16.51% | — |
| Downside volatility ⓘ | 11.36% | — |
| Sharpe ratio ⓘ | 0.37 | — |
| Sortino ratio ⓘ | 0.54 | — |
| Maximum drawdown ⓘ | −50.56% | — |
| Recovery from that fall | 9 months | — |
| Current fall from peak | −3.84% | — |
| Rolling 1-year return: worst | −50.51% | — |
| Rolling 1-year return: median | +14.54% | — |
| Rolling 1-year return: best | +116.94% | — |
| Share of 1-year periods with a loss | 19.24% | — |
Against each fund's benchmark
| Nippon India Banking & Financial Services | UTI Financial Services Debt | |
|---|---|---|
| Beta ⓘ | 0.91 | — |
| Alpha (Jensen's, annualised) ⓘ | +0.17% | — |
| R² ⓘ | 80.81 | — |
| Upside capture | 95.98% | — |
| Downside capture | 94.45% | — |
| Tracking error | 7.10% | — |
| Information ratio | -0.04 | — |
| Treynor ratio | 3.71 | — |
Portfolio
UTI Financial Services Debt Fund has no usable portfolio disclosure on file yet, so portfolio comparisons are shown only where available.
Asset mix
| Nippon India Banking & Financial Services | UTI Financial Services Debt | |
|---|---|---|
| Equity | 99.19% | — |
| Cash & equivalents | 0.81% | — |
Market-cap split (share of fund assets)
| Nippon India Banking & Financial Services | UTI Financial Services Debt | |
|---|---|---|
| Large Cap | 58.50% | — |
| Mid Cap | 21.97% | — |
| Small Cap | 18.35% | — |
| Unclassified | 0.37% | — |
Concentration
| Nippon India Banking & Financial Services | UTI Financial Services Debt | |
|---|---|---|
| Top 10 holdings | 61.07% | — |
| Effective number of stocks ⓘ | 15.2 | — |
| Securities held | 33 | — |
Top 10 holdings
Nippon India Banking & Financial Services
- HDFC Bank Limited15.76%
- ICICI Bank Limited13.26%
- Axis Bank Limited9.00%
- State Bank of India4.97%
- Kotak Mahindra Bank Limited4.06%
- SBI Cards and Payment Services Limited3.36%
- HDFC Asset Management Company Limited2.99%
- IndusInd Bank Limited2.65%
- Cholamandalam Financial Holdings Limited2.53%
- ICICI Prudential Life Insurance Company Ltd.2.49%
UTI Financial Services Debt
Not disclosed yet.
Sector exposure
| Nippon India Banking & Financial Services | UTI Financial Services Debt | |
|---|---|---|
| Banks | 55.16% | — |
| Finance | 19.88% | — |
| Insurance | 11.20% | — |
| Capital Markets | 8.94% | — |
| Financial Technology (Fintech) | 4.01% | — |
Questions people ask
What is the difference between Nippon India Banking & Financial Services and UTI Financial Services Debt returns?
As of 6 Nov 2026, Direct plan Growth option: 1-year return +1.25% vs —; 3-year CAGR +12.59% vs —; 5-year CAGR +12.48% vs —; 10-year CAGR +13.60% vs —. Past returns do not indicate future returns.
How do Nippon India Banking & Financial Services and UTI Financial Services Debt compare on risk?
Volatility (36 monthly returns, annualised) 16.51% vs —; Sharpe ratio 0.37 vs —; Sortino ratio 0.54 vs —; maximum drawdown −50.56% vs —; beta 0.91 vs —.
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.
More comparisons
Nippon India Banking & Financial Services vs
- Nippon India Banking & Financial Services vs Bank of India Banking & Financial Services
- Nippon India Banking & Financial Services vs DSP Financial Services Sectoral Debt
- Nippon India Banking & Financial Services vs Invesco India Financial Services
- Nippon India Banking & Financial Services vs quant BFSI
- Nippon India Banking & Financial Services vs Aditya Birla Sun Life Banking and Financial Services
- Nippon India Banking & Financial Services vs BANK OF INDIA MANUFACTURING & INFRASTRUCTURE
UTI Financial Services Debt vs
- UTI Financial Services Debt vs Sundaram Financial Services Opportunities
- UTI Financial Services Debt vs Bajaj Finserv Banking and Financial Services
- UTI Financial Services Debt vs Canara Robeco Banking and Financial Services
- UTI Financial Services Debt vs HSBC Financial Services
- UTI Financial Services Debt vs Mirae Asset Banking and Financial Services
- UTI Financial Services Debt vs UTI - Banking and Financial Services
All Banking & Financial Services Funds comparisons → · Compare up to six funds yourself → · Every fund in this category → · All comparisons →
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 6 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.