Aditya Birla Sun Life Banking And Financial Services Fund · Regular · Growth
Aditya Birla Sun Life Mutual Fund
NAV
₹59.1100
as of 29 Sept 2026
Expense Ratio
2.02%
AUM
₹3,523 Cr
Lumpsum returns (CAGR)
- 1Y
- -0.97%
- 3Y
- +7.22%
- 5Y
- +8.50%
- Since Inception
- +14.90%
SIP returns (XIRR)
- 1Y
- -7.43%
- 3Y
- +3.17%
- 5Y
- +8.15%
- Since Inception
- +11.79%
What history actually did — last 10 years (Sept 2016 – Sept 2026)
A ₹5,000 monthly SIP for the last 10 years (Sept 2016 – Sept 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹10,29,883 today — ₹6,00,000 invested, 10.5% XIRR.
₹6,00,000
Invested
₹10,29,883
Value today
10.5%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Sept 2016 – Sept 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹2,72,899 today (10.6% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Sept 2016 would still hold ₹16,99,110.
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹10,29,883 in this fund vs ₹11,24,556 in the benchmark — underperformance of ₹1,08,131.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Sept 2016 – Sept 2026) (22 Mar 2020) would be ₹3,55,015 today (3.55×).
Historical simulation using actual published NAVs for the stated period. Past performance may or may not be sustained in the future. Not investment advice.
Risk Metrics
Trailing 1 year, annualised0.03
Sharpe Ratio
+0.01
Alpha
0.34
Beta
0.03
Sortino
16.07%
Std Dev
-16.53%
Max Drawdown
Performance Comparison
Sectoral allocation
as of 31 Aug 2026- Banks53.70%
- Finance25.69%
- Capital Markets7.91%
- Insurance7.20%
- Financial Technology (Fintech)3.25%
Each sector links to the mutual funds most exposed to it.
Related reading
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Fund Details
Available transactions
Portfolio holdings
- 1Icici Bank Ltd.14.16%
- 2Hdfc Bank Ltd.9.78%
- 3Axis Bank Ltd.7.93%
- 4Bajaj Finance Ltd.6.30%
- 5Shriram Finance Ltd.5.71%
- 6State Bank Of India5.18%
- 7Kotak Mahindra Bank Ltd.3.38%
- 8Au Small Finance Bank Ltd.2.91%
- 9Pnb Housing Finance Ltd.2.88%
- 10Pb Fintech Ltd.2.88%
Investment objective — in the AMC’s words
The primary investment objective of the Scheme is to generate long-term capital appreciation to unitholders from a portfolio that is invested predominantly in equity and equity related securities of companies engaged in banking and financial services.
About This Fund
Aditya Birla Sun Life Banking And Financial Services Fund · Regular · Growth is a Sectoral / Thematic mutual fund offered by Aditya Birla Sun Life Mutual Fund. The fund has been operational for over 12 years. It manages assets worth ₹3,523 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against Nifty Financial Services. The current expense ratio is 2.02%.
Who Should Invest?
- •Aggressive investors comfortable with significant short-term volatility
- •Investors with a long-term horizon of 7+ years who can ride out market cycles
- •SIP investors who can benefit from rupee cost averaging during market fluctuations