SBI Banking and Financial Services Fund · Regular · Growth
NAV
₹43.6253
as of 16 Jun 2026
Expense Ratio
1.75%
AUM
₹10,292 Cr
Lumpsum returns (CAGR)
- 1Y
- +3.38%
- 3Y
- +16.86%
- 5Y
- +13.10%
- Since Inception
- +13.87%
SIP returns (XIRR)
- 1Y
- +1.85%
- 3Y
- +12.05%
- 5Y
- +14.03%
- Since Inception
- +14.73%
Returns calculated from 11 February 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 —.
Beat the benchmark — ₹500/month SIP
Same SIP in this fund vs the benchmark index
This fund
₹1,56,300
Benchmark
₹1,50,491
+₹5,809 extra wealth vs the benchmark index
Backtest this SIP yourselfSIP since inception — what ₹500/month became
Real NAV backtest from day one
₹68,000
Invested
₹1,56,300
Value today
14.0%
XIRR (p.a.)
₹500/month SIP from fund inception · Current value as of today
Try SIP Calculator with this fund's history₹5,000 lumpsum at launch — value today
Invested on the fund's first NAV date
₹5,000
Invested
₹20,827
Value today
13.4%
CAGR (p.a.)
One-time investment at fund inception · Growth purely from NAV appreciation
Try Lumpsum Calculator₹10L corpus with ₹5,000/month withdrawals since inception
Corpus is still growing despite monthly payouts
₹10,00,000
Initial corpus
₹6,80,000
Withdrawn
₹26,02,368
Corpus left
+₹22,82,368 net gain — withdrew ₹6,80,000 AND corpus grew
Plan your SWP with real NAV₹6L corpus via 12-month STP from a liquid fund at inception
₹50K/month transferred from HDFC Liquid → this fund at launch
₹6,00,000
Invested
₹26,98,023
Value today
+8.0%
vs lumpsum
STP beat direct lumpsum by 8.0% — reduced timing risk paid off
Model your own STP with real NAV₹1 lakh on the worst crash day — 22 Mar 2020
Worst single-day Nifty drop during this fund's life
₹1,00,000
Invested
₹3,58,219
Value today
3.6×
Multiple
Staying invested through that crash turned ₹1L into ₹3,58,219 — a 3.6× return
Read: Staying invested through crashesRisk Metrics
Trailing 1 year, annualised0.26
Sharpe Ratio
+0.09
Alpha
0.44
Beta
0.25
Sortino
15.87%
Std Dev
-16.17%
Max Drawdown
Performance Comparison
Sectoral allocation
as of 30 Apr 2026- Banks51.15%
- Finance22.64%
- Insurance11.33%
- Capital Markets6.18%
- Financial Technology (Fintech)0.51%
Each sector links to the mutual funds most exposed to it.
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Fund Details
Available transactions
Portfolio holdings
- 1Icici Bank Ltd.12.87%
- 2Kotak Mahindra Bank Ltd.9.96%
- 3State Bank Of India9.61%
- 4Axis Bank Ltd.7.35%
- 5Treps7.12%
- 6Hdfc Bank Ltd.6.11%
- 7Bajaj Finserv Ltd.5.75%
- 8Muthoot Finance Ltd.4.54%
- 9Hdfc Life Insurance Company Ltd.3.51%
- 10Sbi Life Insurance Co. Ltd.3.20%
Investment Objective
SBI 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
SBI Banking and Financial Services Fund · Regular · Growth is a Sectoral / Thematic mutual fund offered by SBI Mutual Fund. The fund has been operational for over 11 years. It manages assets worth ₹10,292 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against NIFTY FINANCIAL SERVICES TRI. The current expense ratio is 1.75%.
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