ICICI Prudential Banking and Financial Services Fund · Regular · Growth
NAV
₹125.5400
as of 30 Sept 2026
Expense Ratio
1.79%
AUM
₹10,670 Cr
Lumpsum returns (CAGR)
- 1Y
- -4.58%
- 3Y
- +7.97%
- 5Y
- +8.08%
- Since Inception
- +15.00%
SIP returns (XIRR)
- 1Y
- -8.29%
- 3Y
- +2.56%
- 5Y
- +7.26%
- Since Inception
- +13.84%
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 ₹9,98,624 today — ₹6,00,000 invested, 9.9% XIRR.
₹6,00,000
Invested
₹9,98,624
Value today
9.9%
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 ₹2,75,616 today (10.7% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Sept 2016 would still hold ₹17,57,533.
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹9,98,624 in this fund vs ₹11,24,556 in the benchmark — underperformance of ₹1,39,534.
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 ₹3,37,416 today (3.37×).
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, annualised-0.13
Sharpe Ratio
-0.04
Alpha
0.30
Beta
-0.13
Sortino
13.92%
Std Dev
-17.17%
Max Drawdown
Performance Comparison
Sectoral allocation
as of 31 Aug 2026- Banks51.91%
- Finance23.03%
- Insurance13.66%
- Capital Markets8.32%
- Commercial Services & Supplies0.20%
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.14.08%
- 2Hdfc Bank Ltd.12.07%
- 3Kotak Mahindra Bank Ltd.9.37%
- 4Axis Bank Ltd.8.95%
- 5State Bank Of India5.11%
- 6Sbi Cards & Payment Services Ltd.3.04%
- 7Lic Housing Finance Ltd.2.75%
- 8Sbi Life Insurance Company Ltd.2.73%
- 9Hdfc Life Insurance Company Ltd.2.60%
- 10Bajaj Finserv Ltd.2.30%
What this fund does
ICICI Prudential 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
ICICI Prudential Banking and Financial Services Fund · Regular · Growth is a Sectoral / Thematic mutual fund offered by ICICI Prudential Mutual Fund. The fund has been operational for over 18 years. It manages assets worth ₹10,670 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against Nifty Financial Services TRI. The current expense ratio is 1.79%.