SBI Banking and Financial Services Fund · Regular · Growth
NAV
₹43.9677
as of 31 Jul 2026
Expense Ratio
1.75%
AUM
₹10,340 Cr
Lumpsum returns (CAGR)
- 1Y
- +4.33%
- 3Y
- +15.03%
- 5Y
- +13.05%
- Since Inception
- +13.79%
SIP returns (XIRR)
- 1Y
- +2.18%
- 3Y
- +11.32%
- 5Y
- +13.74%
- Since Inception
- +14.58%
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 —.
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 ₹12,34,818 today — ₹5,95,000 invested, 14.2% XIRR.
₹5,95,000
Invested
₹12,34,818
Value today
14.2%
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 ₹3,80,314 today (14.3% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Aug 2016 would still hold ₹25,68,320.
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹12,34,818 in this fund vs ₹12,17,407 in the benchmark — outperformance of ₹17,411.
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 ₹3,78,119 today (3.78×).
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, annualised0.51
Sharpe Ratio
+0.11
Alpha
0.27
Beta
0.50
Sortino
15.45%
Std Dev
-16.17%
Max Drawdown
Performance Comparison
Sectoral allocation
as of 30 Jun 2026- Banks59.09%
- Finance21.30%
- Insurance8.99%
- Capital Markets6.85%
- Financial Technology (Fintech)0.57%
Each sector links to the mutual funds most exposed to it.
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Fund Details
Available transactions
Portfolio holdings
- 1Hdfc Bank Ltd.18.15%
- 2Icici Bank Ltd.13.40%
- 3Kotak Mahindra Bank Ltd.9.75%
- 4Treps9.28%
- 5State Bank Of India6.94%
- 6Bajaj Finance Ltd.5.61%
- 7Hdfc Life Insurance Company Ltd.4.43%
- 8Muthoot Finance Ltd.4.41%
- 9Axis Bank Ltd.3.74%
- 10Bank Of Baroda2.87%
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 ₹10,340 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