ICICI Prudential Banking & Financial Services Fund
ICICI Prudential Mutual Fund · Sectoral/Thematic · Regular plan, growth option
NAV (₹), 2 Oct 2026
125.1400
1-day change
-0.32%
1Y return
-6.2%
3Y CAGR
7.9%
5Y CAGR
8.0%
Max drawdown, 5Y
−20.7%
NAV history month-end NAV, ₹ · 25 Aug 2008 to 1 Oct 2026
Returns vs Sectoral/Thematic median (259 schemes) and “Banking & financial services” median (28)
| Period | Scheme | Category median | Banking & financial services median |
|---|---|---|---|
| 1 month | -4.6% | -5.4% | -6.2% |
| 3 months | -5.9% | -3.1% | -6.7% |
| 6 months | 5.5% | 8.5% | 5.9% |
| Year to date | -9.8% | -2.6% | -6.9% |
| 1 year | -6.2% | 0.0% | -1.0% |
| 3 years (CAGR) | 7.9% | 11.7% | 9.5% |
| 5 years (CAGR) | 8.0% | 10.6% | 9.6% |
| 7 years (CAGR) | 10.4% | 15.7% | 11.2% |
| 10 years (CAGR) | 10.7% | 13.3% | 11.0% |
| Since first NAV (CAGR) | 15.0% | – | – |
“Banking & financial services” is MFIC's grouping of Sectoral/Thematic schemes by the theme or index in their names, not an AMFI category.
Rolling returns every business-day start date
| Measure | Scheme | Category median |
|---|---|---|
| 1Y rolling median | 15.8% | 9.8% |
| 3Y rolling median | 15.3% | 15.6% |
| 3Y rolling worst | -11.4% | 0.6% |
| 3Y periods positive | 94% | 100% |
| 3Y periods ahead of benchmark | 28% | 71% |
| 5Y rolling median | 15.1% | 14.2% |
| 5Y rolling worst | 0.2% | 0.3% |
| 5Y periods ahead of benchmark | 27% | 70% |
Benchmark: Nifty 500 (proxy: Motilal Oswal Nifty 500 Index Fund, price return).
Risk 36 months, monthly returns, Rf 6.5%
| Measure | Scheme | Category median |
|---|---|---|
| Standard deviation (ann.) | 14.7% | 16.7% |
| Sharpe ratio | 0.14 | 0.34 |
| Sortino ratio | 0.19 | 0.51 |
| Beta | 0.84 | 0.96 |
| Alpha (ann.) | -0.9% | 2.3% |
| Upside capture | 80.98 | 103.56 |
| Downside capture | 85.29 | 96.87 |
Drawdowns peak-to-trough falls in NAV
| Measure | Scheme | Category median |
|---|---|---|
| Maximum drawdown, full history | −47.8% | −23.7% |
| Maximum drawdown, last 10Y | −47.8% | −39.3% |
| Maximum drawdown, last 5Y | −20.7% | −22.8% |
| Current drawdown | −11.1% | −8.8% |
| Recovery time of worst fall | 315 days | – |
Longer histories include more crises, so compare the 5Y and 10Y figures across schemes of different ages.
Cost, size and riskometer as disclosed to AMFI
| Measure | Scheme | Category median |
|---|---|---|
| Expense ratio (TER), Regular plan | n/a | 2.65% |
| AUM, whole scheme (₹ crore) | 10,774 | 1,245 |
| Riskometer | Very High | – |
TER: AMFI, TER of MF Schemes. AUM and riskometer: AMFI, Fund Performance, 30 Sep 2026.
Official benchmark and category consistency
| Measure | Scheme | Benchmark / category |
|---|---|---|
| Return, 1 year (AMFI) | -4.6% | -4.4% TRI |
| Return, 3 years (AMFI) | 8.0% | 8.6% TRI |
| Return, 5 years (AMFI) | 8.0% | 7.1% TRI |
| Month-ends above category median (3Y CAGR) | 40% | 53% median |
| Month-ends in category top quartile (3Y) | 33% | 24% median |
| 7Y rolling CAGR, median (monthly windows) | 14.6% | 13.5% median |
Official benchmark: Nifty Financial Services TRI (total return index, as published by AMFI). Category consistency: last 10 years of month-ends, Sectoral/Thematic Regular plans; how it is calculated.
Calendar-year returns NAV change from 31 Dec to 31 Dec
| Year | Scheme | Nifty 500 proxy | Difference |
|---|---|---|---|
| 2026 YTD | -9.8% | -7.8% | −2.0% |
| 2025 | 15.9% | 7.7% | +8.2% |
| 2024 | 11.6% | 15.6% | −4.0% |
| 2023 | 17.9% | 26.5% | −8.7% |
| 2022 | 11.9% | 3.8% | +8.2% |
| 2021 | 23.5% | 30.6% | −7.2% |
| 2020 | -5.5% | 17.2% | −22.8% |
| 2019 | 14.5% | n/a | – |
| 2018 | -0.4% | n/a | – |
| 2017 | 45.1% | n/a | – |
Benchmark proxy: Motilal Oswal Nifty 500 Index Fund (Direct plan NAV, price return), which carries its own costs. The first year starts from the first 31 December in the scheme's history.
Monthly SIP of ₹10,000 first business day of each month, ending 2 Oct 2026
| Period | Invested | Value | XIRR |
|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1,13,728 | -9.5% |
| 3 years | ₹3,60,000 | ₹3,71,242 | 2.0% |
| 5 years | ₹6,00,000 | ₹7,17,793 | 7.1% |
| 10 years | ₹12,00,000 | ₹20,05,163 | 9.9% |
Uses this plan's NAVs; ignores stamp duty, exit loads and taxes. One historical path only — the interactive SIP analyzer shows outcomes across every start date.
Scheme facts
Category: Sectoral/Thematic
Plan / option: Regular · Growth
AMFI scheme code: 109445
ISIN: INF109K01BU5
First NAV in MFIC data: 25 Aug 2008
History: 18.1 years
Expense ratio, AUM, portfolio: see the scheme's factsheet
Schemes that behaved similarly correlation of monthly returns, last 5 years
| Scheme | Category | Correlation | 3Y CAGR |
|---|---|---|---|
| Nippon India Banking & Financial Services Fund | Sectoral/Thematic | 0.98 | 9.3% |
| HDFC Banking & Financial Services Fund | Sectoral/Thematic | 0.97 | 9.7% |
| Aditya Birla Sun Life Banking and Financial Services Fund | Sectoral/Thematic | 0.97 | 7.3% |
| Mirae Asset Banking and Financial Services Fund | Sectoral/Thematic | 0.96 | 9.6% |
| Sundaram Financial Services Opportunities Fund | Sectoral/Thematic | 0.96 | 9.5% |
| Tata Banking & Financial Services Fund | Sectoral/Thematic | 0.96 | 8.5% |
Questions about ICICI Prudential Banking & Financial Services Fund
- What is the latest NAV of ICICI Prudential Banking & Financial Services Fund?
- The NAV of the Regular plan (growth option) was ₹125.1400 on 2 Oct 2026, as published by AMFI.
- Which category is ICICI Prudential Banking & Financial Services Fund in?
- It is classified as Sectoral/Thematic in AMFI's daily NAV file; a Sectoral/Thematic scheme invests at least 80% in one sector or theme. MFIC compares it with 259 Sectoral/Thematic schemes (Regular plans).
- What returns has ICICI Prudential Banking & Financial Services Fund delivered?
- Over one year the NAV changed by -6.2%. The 3-year CAGR is 7.9% (category median 11.7%) and the 5-year CAGR is 8.0% (category median 10.6%). Returns are after expenses and before tax. Past performance may or may not be sustained in future.
- How consistent have its 3-year returns been?
- Measuring a 3-year CAGR from every business day in its history, the median was 15.3%, the lowest was -11.4%, and 94% of 3-year periods ended with a gain. It was ahead of Nifty 500 (index-fund proxy) in 28% of those periods.
- What was the largest fall in ICICI Prudential Banking & Financial Services Fund's NAV?
- The largest peak-to-trough fall in its available history was 47.8%; within the last five years it was 20.7% (category median 22.8%).
- How volatile is ICICI Prudential Banking & Financial Services Fund?
- Its annualised standard deviation of monthly returns over the last 36 months is 14.7%, which is below the Sectoral/Thematic category median of 16.7%.
- What would a monthly SIP in ICICI Prudential Banking & Financial Services Fund have grown to?
- A SIP of ₹10,000 on the first business day of each month for the last 5 years (60 instalments, ₹6,00,000 invested) would have been worth about ₹7,17,793 on 2 Oct 2026, an annualised return (XIRR) of 7.1%. This uses the Regular plan's NAVs, ignores taxes and exit loads, and past performance may or may not be sustained in future.
- How large is ICICI Prudential Banking & Financial Services Fund?
- Assets under management of the whole scheme were ₹10,774 crore on 30 Sep 2026, as published by AMFI.
- What is the riskometer level of ICICI Prudential Banking & Financial Services Fund?
- AMFI lists the scheme's riskometer as “Very High”, and its benchmark's as “Very High”. The riskometer is a label of potential risk set under SEBI rules, not a forecast.
- What is the benchmark of ICICI Prudential Banking & Financial Services Fund and how has it compared?
- Its official benchmark is the Nifty Financial Services TRI. Over 3 years AMFI reports a return of 8.0% for this plan against 8.6% for the benchmark total return index; over 5 years 8.0% against 7.1%. Past performance does not indicate future results.
- How often has ICICI Prudential Banking & Financial Services Fund beaten its category?
- At 40% of the 120 month-ends compared over the last 10 years, its 3-year return was above the median of Sectoral/Thematic schemes (Regular plans); it was in the top quarter at 33% of them. A typical scheme would show about 50%.
- What is the difference between the Direct and Regular plans?
- Both plans hold the same portfolio; the Regular plan includes distribution costs in its expense ratio. Over one year the Direct plan's NAV changed by -5.5% and the Regular plan's by -6.2%. The Regular plan includes the services of a distributor.
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Data & disclosure. Source: AMFI daily NAV file and historical NAVs via mfapi.in; calculations by MFIC, as of 2 Oct 2026. Category medians use Regular plans in the same AMFI category. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Past performance may or may not be sustained in future. This page is for research and education only and is not investment advice or a recommendation to buy, sell or hold any scheme. Integrato Financial Services Pvt. Ltd. is an AMFI-registered Mutual Fund Distributor (ARN-173155). Methodology.