UTI Banking & PSU Fund(H-IDCW)

Ticker: mf16179
Decent 68/100

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Business Overview

The UTI Banking & PSU Fund (H-IDCW) is a mutual fund scheme designed to invest primarily in banking and public sector undertakings. It is ideal for conservative investors seeking stable returns with a focus on safety and liquidity. This fund matters as it provides exposure to well-regulated sectors, ensuring a balanced investment approach. With a strong track record and professional management, it aims to deliver consistent performance while minimizing risks.

  • Focus on banking and public sector investments
  • Ideal for conservative investors
  • Emphasis on safety and liquidity
  • Managed by experienced professionals
  • Potential for stable returns
  • Regular income through dividend options

Opportunity vs Risk

Opportunities
  • Diversified exposure to banking sector
  • Potential for steady dividend income
  • Government support for PSU banks
  • Strong long-term growth prospects
  • Rising demand for financial services
Risks ⚠️
  • Market volatility affecting performance
  • Regulatory changes impacting banks
  • Economic slowdown risks
  • Interest rate fluctuations
  • Credit risk in PSU loans
📊 Stock Investment Checklist (100 Points)
UTI Banking & PSU Fund(H-IDCW) • Updated: 2025-10-01 07:40:32
  • 10
    Business
    High
    Banking and PSU sectors are essential and have a stable demand.
  • 10
    Growth
    High
    Consistent revenue growth observed in the banking sector.
  • 10
    Profitability
    High
    ROE and ROCE are above industry averages, indicating good profitability.
  • 8
    Valuation
    High
    Valuation metrics are reasonable compared to peers.
  • 7
    Balance
    High
    Debt levels are manageable with adequate liquidity.
  • 6
    Governance
    Good
    Promoter holding is stable, but some concerns on disclosures.
  • 5
    Drivers
    Good
    Growth drivers are present, but execution risks remain.
  • 5
    Technicals
    Good
    Market sentiment is neutral with moderate liquidity.
Final Score & Verdict
Score 68 / 100 • Decent
The UTI Banking & PSU Fund shows decent potential with stable growth and profitability metrics, but some governance concerns and execution risks should be monitored.