SBI Banking and Financial Services Fund · Regular · Growth
NAV
₹41.3136
as of 29 Sept 2026
Expense Ratio
1.75%
AUM
₹10,444 Cr
Lumpsum returns (CAGR)
- 1Y
- -2.38%
- 3Y
- +13.06%
- 5Y
- +10.38%
- Since Inception
- +12.97%
SIP returns (XIRR)
- 1Y
- -9.02%
- 3Y
- +5.60%
- 5Y
- +10.49%
- Since Inception
- +13.26%
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 (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 ₹11,52,499 today — ₹6,00,000 invested, 12.6% XIRR.
₹6,00,000
Invested
₹11,52,499
Value today
12.6%
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 ₹3,51,222 today (13.4% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Sept 2016 would still hold ₹23,59,726.
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹11,52,499 in this fund vs ₹11,24,556 in the benchmark — outperformance of ₹10,781.
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 ₹3,55,294 today (3.55×).
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-0.28
Sharpe Ratio
-0.03
Alpha
0.26
Beta
-0.27
Sortino
14.79%
Std Dev
-16.17%
Max Drawdown
Performance Comparison
Sectoral allocation
as of 31 Aug 2026- Banks49.10%
- Finance24.00%
- Insurance10.20%
- Financial Technology (Fintech)4.71%
- Capital Markets2.40%
Each sector links to the mutual funds most exposed to it.
Related reading
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Fund Details
Available transactions
Portfolio holdings
- 1Hdfc Bank Ltd.13.48%
- 2Icici Bank Ltd.10.79%
- 3Kotak Mahindra Bank Ltd.9.82%
- 4Bajaj Finance Ltd.7.52%
- 5State Bank Of India4.87%
- 6Hdfc Life Insurance Company Ltd.4.12%
- 7Muthoot Finance Ltd.4.09%
- 8One 97 Communications Ltd.3.40%
- 9Bank Of Baroda2.94%
- 10Cholamandalam Investment & Finance Co. Ltd.2.39%
What this fund does
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 ₹10,444 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%.