NIPPON INDIA BANKING and FINANCIAL SERVICES FUND · Regular · Growth
NAV
₹608.2118
as of 30 Sept 2026
Expense Ratio
1.83%
AUM
₹7,501 Cr
Lumpsum returns (CAGR)
- 1Y
- -1.27%
- 3Y
- +9.37%
- 5Y
- +11.25%
- Since Inception
- +19.24%
SIP returns (XIRR)
- 1Y
- -7.21%
- 3Y
- +3.85%
- 5Y
- +9.64%
- Since Inception
- +15.76%
Returns calculated from 24 March 2015 onwards due to a structural change in the scheme on that date. Earlier NAV history is preserved but excluded from multi-year return calculations. Periods spanning this date show —.
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 ₹11,09,712 today — ₹6,00,000 invested, 11.9% XIRR.
₹6,00,000
Invested
₹11,09,712
Value today
11.9%
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 ₹3,02,967 today (11.7% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Sept 2016 would still hold ₹19,19,956.
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹11,09,712 in this fund vs ₹11,24,556 in the benchmark — underperformance of ₹29,839.
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 ₹3,97,512 today (3.98×).
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, annualised0.04
Sharpe Ratio
-0.01
Alpha
0.31
Beta
0.04
Sortino
15.55%
Std Dev
-16.75%
Max Drawdown
Performance Comparison
Sectoral allocation
as of 31 Aug 2026- Banks52.55%
- Finance21.60%
- Capital Markets10.80%
- Insurance9.80%
- Financial Technology (Fintech)3.81%
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 Limited13.58%
- 2Hdfc Bank Limited12.26%
- 3Axis Bank Limited8.89%
- 4State Bank Of India5.72%
- 5Kotak Mahindra Bank Limited3.80%
- 6Bajaj Finserv Limited3.26%
- 7Sbi Cards And Payment Services Limited3.17%
- 8Indusind Bank Limited2.78%
- 9Hdfc Asset Management Company Limited2.54%
- 10Aye Finance Limited2.46%
What this fund does
NIPPON INDIA 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
NIPPON INDIA BANKING and FINANCIAL SERVICES FUND · Regular · Growth is a Sectoral / Thematic mutual fund offered by Nippon India Mutual Fund. The fund has been operational for over 23 years. It manages assets worth ₹7,501 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against NIFTY FINANCIAL SERVICES TRI. The current expense ratio is 1.83%.