SBI BANKING & FINANCIAL SERVICES FUND vs UTI - Banking and Financial Services Fund
SBI BANKING & 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 +16.63% vs +14.37%, 5-year CAGR +12.03% vs +10.97%, volatility 14.99% vs 16.25%, maximum drawdown −43.81% vs −49.00%. Their portfolios overlap by 51.2% (20 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
| SBI BANKING & FINANCIAL SERVICES | UTI - Banking and Financial Services | |
|---|---|---|
| Fund house | SBI Mutual Fund | UTI Mutual Fund |
| Compared as | Banking & Financial Services Funds | Banking & Financial Services Funds |
| NAV | ₹49.8038 | ₹228.4905 |
| NAV date | 5 Nov 2026 | 5 Nov 2026 |
| Launched (first NAV) | 5 Mar 2015 | 2 Jan 2013 |
| Track record | 11.7 yrs | 13.8 yrs |
| Fund size (AUM) | ₹10,420 Cr | — |
| Securities held | 39 | 37 |
| Portfolio as of | 30 Sep 2026 | 30 Sep 2026 |
| Fund page | Full record → | Full record → |
Returns
| SBI BANKING & FINANCIAL SERVICES | UTI - Banking and Financial Services | |
|---|---|---|
| 1 month | +5.73% | +4.71% |
| 3 months | −0.28% | −0.90% |
| 6 months | +0.35% | +3.04% |
| 1 year | −0.07% | +2.08% |
| 3 years (CAGR) | +16.63% | +14.37% |
| 5 years (CAGR) | +12.03% | +10.97% |
| 7 years (CAGR) | +13.99% | +11.84% |
| 10 years (CAGR) | +15.38% | +11.31% |
| Since launch (CAGR) | +14.52% | +11.62% |
| SIP return (XIRR, 5 years) ⓘ | +13.86% | +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
| SBI BANKING & FINANCIAL SERVICES | UTI - Banking and Financial Services | |
|---|---|---|
| 2026 (year to date) | −3.10% | +0.61% |
| 2025 | +21.66% | +17.53% |
| 2024 | +20.90% | +12.26% |
| 2023 | +19.95% | +20.81% |
| 2022 | +14.87% | +16.45% |
| 2021 | +13.46% | +15.53% |
Risk
| SBI BANKING & FINANCIAL SERVICES | UTI - Banking and Financial Services | |
|---|---|---|
| Volatility (annualised) ⓘ | 14.99% | 16.25% |
| Downside volatility ⓘ | 10.18% | 11.02% |
| Sharpe ratio ⓘ | 0.68 | 0.49 |
| Sortino ratio ⓘ | 1.00 | 0.72 |
| Maximum drawdown ⓘ | −43.81% | −49.00% |
| Recovery from that fall | 9 months | 10 months |
| Current fall from peak | −5.65% | −3.34% |
| Rolling 1-year return: worst | −34.77% | −46.75% |
| Rolling 1-year return: median | +17.57% | +13.39% |
| Rolling 1-year return: best | +98.24% | +100.86% |
| Share of 1-year periods with a loss | 12.02% | 21.14% |
Against each fund's benchmark
| SBI BANKING & FINANCIAL SERVICES | UTI - Banking and Financial Services | |
|---|---|---|
| Beta ⓘ | 0.86 | 0.92 |
| Alpha (Jensen's, annualised) ⓘ | +4.44% | +2.11% |
| R² ⓘ | 83.49 | 79.66 |
| Upside capture | 100.19% | 98.27% |
| Downside capture | 74.94% | 85.52% |
| Tracking error | 6.38% | 7.37% |
| Information ratio | 0.69 | 0.25 |
| Treynor ratio | 9.36 | 6.02 |
Portfolio
Asset mix
| SBI BANKING & FINANCIAL SERVICES | UTI - Banking and Financial Services | |
|---|---|---|
| Equity | 92.64% | 98.73% |
| Cash & equivalents | 7.31% | 1.27% |
| Debt | 0.05% | 0.00% |
Market-cap split (share of fund assets)
| SBI BANKING & FINANCIAL SERVICES | UTI - Banking and Financial Services | |
|---|---|---|
| Large Cap | 62.03% | 78.21% |
| Mid Cap | 12.52% | 9.91% |
| Small Cap | 16.65% | 9.96% |
| Unclassified | 1.44% | 0.65% |
Concentration
| SBI BANKING & FINANCIAL SERVICES | UTI - Banking and Financial Services | |
|---|---|---|
| Top 10 holdings | 62.10% | 77.05% |
| Effective number of stocks ⓘ | 16.9 | 12.3 |
| Securities held | 39 | 37 |
Portfolio overlap: 51.2%
20 companies are held by both funds; by weight, 51.2% of the two portfolios is the same. That is a high overlap: holding both adds little diversification beyond holding one.
| Held by both | SBI BANKING & FINANCIAL SERVICES | UTI - Banking and Financial Services |
|---|---|---|
| HDFC Bank Limited | 13.04% | 17.60% |
| ICICI Bank Limited | 12.77% | 10.37% |
| Kotak Mahindra Bank Limited | 10.19% | 9.89% |
| Bajaj Finance Limited | 6.85% | 5.07% |
| Axis Bank Limited | 2.82% | 9.93% |
| Cholamandalam Investment and Finance Company Ltd | 2.18% | 1.01% |
| Aavas Financiers Ltd. | 1.01% | 1.76% |
| Aditya Birla Capital Limited | 1.72% | 0.99% |
| Life Insurance Corporation Of India | 1.06% | 0.99% |
| Bandhan Bank Limited | 1.54% | 0.93% |
| Billionbrains Garage Ventures Ltd | 0.79% | 0.89% |
| HDFC Life Insurance Company Limited | 4.66% | 0.74% |
| National Stock Exchange Of India Ltd | 0.95% | 0.65% |
| One 97 Communications Limited | 3.46% | 0.63% |
| BSE Limited | 0.59% | 1.27% |
Top 10 holdings
SBI BANKING & FINANCIAL SERVICES
- HDFC Bank Limited13.04%
- ICICI Bank Limited12.77%
- Kotak Mahindra Bank Limited10.19%
- Bajaj Finance Limited6.85%
- HDFC Life Insurance Company Limited4.66%
- One 97 Communications Limited3.46%
- Bank of Baroda2.96%
- Muthoot Finance Ltd.2.87%
- Axis Bank Limited2.82%
- Manappuram Finance Limited2.48%
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
| SBI BANKING & FINANCIAL SERVICES | UTI - Banking and Financial Services | |
|---|---|---|
| Banks | 49.26% | 64.53% |
| Finance | 25.01% | 17.96% |
| Insurance | 10.01% | 9.46% |
| Capital Markets | 4.90% | 5.31% |
| Financial Technology (Fintech) | 3.46% | 1.47% |
| Sovereign | 0.05% | 0.00% |
Questions people ask
What is the difference between SBI BANKING & FINANCIAL SERVICES and UTI - Banking and Financial Services returns?
As of 5 Nov 2026, Direct plan Growth option: 1-year return −0.07% vs +2.08%; 3-year CAGR +16.63% vs +14.37%; 5-year CAGR +12.03% vs +10.97%; 10-year CAGR +15.38% vs +11.31%. Past returns do not indicate future returns.
How do SBI BANKING & FINANCIAL SERVICES and UTI - Banking and Financial Services compare on risk?
Volatility (36 monthly returns, annualised) 14.99% vs 16.25%; Sharpe ratio 0.68 vs 0.49; Sortino ratio 1.00 vs 0.72; maximum drawdown −43.81% vs −49.00%; beta 0.86 vs 0.92.
How much do SBI BANKING & FINANCIAL SERVICES and UTI - Banking and Financial Services overlap?
By weight, 51.2% of the two portfolios is invested in the same companies; 20 stocks are held by both, the largest shared positions being HDFC Bank Limited, ICICI Bank Limited, Kotak Mahindra Bank Limited. Based on the portfolios disclosed for Sep 2026 and Sep 2026.
What is the large, mid and small cap split of SBI BANKING & FINANCIAL SERVICES and UTI - Banking and Financial Services?
SBI BANKING & FINANCIAL SERVICES: large cap 62.0%, mid cap 12.5%, small cap 16.7%. 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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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.