NIPPON INDIA BANKING and FINANCIAL SERVICES FUND · Regular · Growth
NAV
₹642.5267
as of 31 Jul 2026
Expense Ratio
1.83%
AUM
₹7,305 Cr
Lumpsum returns (CAGR)
- 1Y
- +3.18%
- 3Y
- +11.88%
- 5Y
- +13.61%
- Since Inception
- +19.67%
SIP returns (XIRR)
- 1Y
- +2.75%
- 3Y
- +8.75%
- 5Y
- +12.69%
- Since Inception
- +16.29%
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 (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 ₹11,81,909 today — ₹5,95,000 invested, 13.3% XIRR.
₹5,95,000
Invested
₹11,81,909
Value today
13.3%
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 ₹3,40,561 today (13.0% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Aug 2016 would still hold ₹22,23,701.
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹11,81,909 in this fund vs ₹12,17,407 in the benchmark — underperformance of ₹35,498.
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 ₹4,21,212 today (4.21×).
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, annualised0.26
Sharpe Ratio
+0.06
Alpha
0.30
Beta
0.26
Sortino
15.82%
Std Dev
-16.75%
Max Drawdown
Performance Comparison
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Fund Details
Available transactions
Portfolio holdings
portfolio shared with Nippon India Banking & Financial Services Fund - IDCW Option
- 1Icici Bank Limited12.73%
- 2Hdfc Bank Limited12.63%
- 3Axis Bank Limited9.35%
- 4State Bank Of India5.40%
- 5Kotak Mahindra Bank Limited3.55%
- 6Sbi Life Insurance Company Limited3.29%
- 7Sbi Cards And Payment Services Limited3.27%
- 8Bajaj Finserv Limited3.06%
- 9Multi Commodity Exchange Of India Limited2.74%
- 10Cholamandalam Financial Holdings Limited2.72%
Investment Objective
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 ₹7,305 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%.
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