Aditya Birla Sun Life Banking And Financial Services Fund · Regular · Growth
Aditya Birla Sun Life Mutual Fund
NAV
₹63.2200
as of 31 Jul 2026
Expense Ratio
1.96%
AUM
₹3,457 Cr
Lumpsum returns (CAGR)
- 1Y
- +4.98%
- 3Y
- +10.25%
- 5Y
- +11.51%
- Since Inception
- +15.72%
SIP returns (XIRR)
- 1Y
- +5.25%
- 3Y
- +8.70%
- 5Y
- +11.53%
- Since Inception
- +13.02%
What history actually did — last 10 years (Aug 2016 – Jul 2026)
A ₹5,000 monthly SIP for the last 10 years (Aug 2016 – Jul 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹11,06,220 today — ₹5,95,000 invested, 12.1% XIRR.
₹5,95,000
Invested
₹11,06,220
Value today
12.1%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Aug 2016 – Jul 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹3,04,381 today (11.8% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Aug 2016 would still hold ₹19,37,594.
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹11,06,220 in this fund vs ₹12,17,407 in the benchmark — underperformance of ₹1,11,187.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Aug 2016 – Jul 2026) (22 Mar 2020) would be ₹3,79,700 today (3.80×).
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, annualised0.36
Sharpe Ratio
+0.09
Alpha
0.30
Beta
0.36
Sortino
16.29%
Std Dev
-16.53%
Max Drawdown
Performance Comparison
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Fund Details
Available transactions
Portfolio holdings
- 1Icici Bank Limited13.61%
- 2Hdfc Bank Limited10.98%
- 3Axis Bank Limited8.43%
- 4Bajaj Finance Limited5.84%
- 5State Bank Of India5.36%
- 6Shriram Finance Ltd5.35%
- 7Kotak Mahindra Bank Limited3.57%
- 8Bank Of Maharashtra3.12%
- 9Au Small Finance Bank Limited2.95%
- 10Pnb Housing Finance Limited2.60%
Investment Objective
Aditya Birla Sun Life Banking And Financial Services Fund · Regular · Growth invests in stocks from a specific sector or theme, offering concentrated exposure to a particular area of the economy. These funds carry sector-specific risks but can deliver significant returns when the underlying sector performs well.
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 ₹3,457 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against Nifty Financial Services. The current expense ratio is 1.96%.
Who Should Invest?
- •Investors with a high risk appetite seeking long-term wealth creation
- •Investors with an investment horizon of 5 years or more
- •SIP investors who can benefit from rupee cost averaging during market fluctuations